vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 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: VA

Complaint narrative:
I have an account with KIKOFF that is supposed to be some credit management repair service, etc. like XXXX. 

I pay two monthly fees to them for a loan and something else and it is supposed to help increase your credit scores etc., which is supposed to help increase your credit scores, I do not know how they obtain the credit scores for all three credit bureaus however I recently found out that the information they are reporting as far as the credit scores are not the same as what I am receiving vs. what KIKOFF is reporting. 

They also charged me for disputes that went nowhere and it was only when I disputed everything myself that I was able to receive the results that I paid them for and should have received. 

So what am I paying them for what I can do for free myself is the real question here and why do they have different credit scores vs. what I am receiving from the actual credit bureaus and where are they getting this information from?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a mortgage with Wells Fargo. I was a single parent and was struggling with payment. They would not work with me and I lost my home. It was listed under XXXX XXXX at the time.

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 2024-02-08 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:
TRANSUNION is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent TRANSUNION written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice.

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I made a payment for my XXXX XXXX  due date on XX/XX/2024. 
On XX/XX/2024 I made a payment for my XXXX payment. It was not put towards my XXXX payment, they reversed that payment for my XX/XX/2024 payment, but I had already made that payment. Rep and supervisor said they didn't know where it states on my CC agreement/contract, but that was just the way it works.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 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: TN

Complaint narrative:
I recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me.

Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Therefore, these accounts should not be reported on my consumer report. 


This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. 

This has been hurting me and causing my mental health to be disturbed with severe harm and extreme anxiety, as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per 15 U.S Code 1692d Harassment or abuse. 

Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I had a XXXX XXXX in XXXX IA run my card without my acknowledgement. I called Capitol One once this happened. 
The account was locked and a new card was issued. 

2 weeks later the card arrived, I entered the information into Capitol One app.. the XXXX XXXX XXXX for double protection. 

I went to the optometrist to get a new pair of glasses.. trip to use the Tap to Pay/NFC chip.. 

Triggered a fraud attempt with Capitol one.XXXX and I have been without this card for over a month... sent everything needed.. spoke with over seven specialists... 

And the last Manager I spoke XXXX ... and many others were hostile to the point of fatigue on my end. Treating me as a Fraudulent Criminal... 

And now have permanently restricted my account ending in XXXX 

This has greatly effected my bill paying process, my livelihood and my liquid funds due to a farce Fraud system suspension.

Many of my bills were set with my XXXX Capitol One accounts... now I am without one.. 

They ( XXXX/Management ) told me today that my DL couldn't be verified.. and much more. 

Please pull all transactions and transcripts and recording since XXXX til today XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently filed a complaint with your agency in regard to not being able to freeze/unfreeze my credit file with Transunion. Well today XX/XX/XXXX, your agency sent a response to me from Transunion that this concern had been resolved and that I would now be able to freeze/unfreeze my credit file online. Well, I checked my email that Transunion instructed me to reset my password through the link that was provided to me in my email. I followed the instructions to reset my profile 's password with Transunion. I then tried to freeze/unfreeze and was unsuccessful again. Therefore, I called Transunion at the number provided in my email and was connected to the online department. Well, the agent in this department stated that the reason I can not freeze/unfreeze my file is because I had a profile set up on their paid site and that I need to set up a profile on their free site called service.transunion.com. I attempted to setup a profile on the free site of Transunion and it stated that I had a profile set up already. I am very furious therefore, I called back into Transunion. This agent stated that the reason that I could not freeze/unfreeze my file is because of internal errors on my online profile and that a supervisor was going to call me in 3 business days. I told her that I had heard this before and had spoken to a supervisor back in XXXX and was told to send in copies of my drivers license and social card to no avail nothing was fixed. The agent then had given me another case # again for the third time and said that she would see if she could get a supervisor on the line. Supervisor XXXX talked to me to tell me that she could not fix my problem but that a technical rep will call me in 3 business days ( something that Transunion keeps saying to me ). This is the same issue I have been dealing with since XX/XX/XXXX. I personally feel that this is just a ploy by Transunion to have me start paying monthly for monitoring service with their bureau. My file is still frozen, and I can not access credit from creditors who utilize Transunion.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against Experian regarding their handling of my dispute letter sent on XX/XX/2024, via USPS certified mail tracking # XXXX. In the letter, I requested an investigation into inaccurate items on my credit report, including accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and two bankruptcy references : Bankruptcy - XXXX and Bankruptcy - XXXX. Additionally, I disputed incorrect personal information listed on my credit report and provided a copy of my photo ID, social security card, and recent bill with my current address to help Experian verify my identity and address. 

Experian responded on XX/XX/2024, stating that they received a request regarding my credit information but could not verify its authenticity. As a precautionary measure, they mentioned that they had not taken any action on my alleged request. 

This response indicates a failure on Experian 's part to conduct a reasonable investigation upon receipt of my dispute, as required by the Fair Credit Reporting Act ( FCRA ). It is their responsibility to verify the accuracy of the information in my credit report, and their failure to do so constitutes a violation of my consumer rights. 

Enclosed with this complaint are copies of my dispute letter sent to Experian, USPS certified mail proof of delivery, and Experians response as proof.

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 2024-02-08 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: OH

Complaint narrative:
Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : XXXX XXXX Based on the provided credit report information, here are the discrepancies and inconsistencies found between each credit bureau : Account Holder : XXXX : XXXX TransUnion : XXXX XXXX : XXXX Inconsistency : The account holder information is partially redacted, making it difficult to confirm if it is the same across all bureaus. 
High Balance : XXXX : {$770.00} TransUnion : {$710.00} XXXX : {$770.00} Inconsistency : The reported high balance differs between XXXX and TransUnion. 
Monthly Payment : XXXX : {$99.00} TransUnion : {$97.00} XXXX : {$99.00} Inconsistency : The reported monthly payment differs between XXXX and TransUnion. 
Last Reported : XXXX : XX/XX/2023 TransUnion : XX/XX/2023 XXXX : XX/XX/2023 Inconsistency : The last reported date differs between XXXX and TransUnion. 
Past Due - XXXX Days : XXXX : XXXX TransUnion : XXXX XXXX : XXXX Inconsistency : The number of past-due days ( XXXX  days ) differs between XXXX, TransUnion, and XXXX. 
Remarks : XXXX : - TransUnion : Canceled By Credit Grantor XXXX : Account Closed By Credit Grantor Inconsistency : The remarks differ between TransUnion and XXXX. 
Responsibility : XXXX : Individual TransUnion : Individual Account XXXX : Individual Account Inconsistency : The reported responsibility type differs between XXXX and TransUnion. 
Credit History Timeline ( Late Payments ) : There are discrepancies in the reporting of late payments ( XXXX, XXXX, and XXXX  days ) across the XXXX credit bureaus. Detailed information about specific months is not provided, so it's challenging to identify the exact inconsistencies in the timeline.

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 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I noticed a lot of activity on my XXXX account and then I was defrauded through Cashapp. On XX/XX/XXXX, someone gained access to my phone and computer and sent someone named XXXX XXXX XXXX cashapp payments in the sum Of {$860.00} and {$720.00}. I immediately reported the transactions to Cashapp and my bank, XXXX XXXX. I also filed an identity theft claim. Attached. Cashapp refused to refund my money and then submitted fraudulent documents to my bank stating that I had prior transactions with this person which is absolutely false. Cashapp claims that I had sent money to this person on XX/XX/XXXX  and XX/XX/. I have evidence showing this to be false. Also attached. 

Cashapp is a haven for scammers because of the protection Cashapp grants to these individuals. Cashapp itself is a fraudulent company because of the lengths it will go to including falsifying documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: F.H. Cann & Associates, Inc.
State: VA

Complaint narrative:
Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with F.H. Cann & Associates , Inc. dated XXXX XXXX XXXX, regarding the XXXX XXXX XXXX XXXX Account No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: MS

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NH

Complaint narrative:
I have my student loans with Mohela, Account # XXXX. Beginning in XXXX, when repayments were to begin, they substantially over calculated my payments and actually charged me those amounts for 2 months. When I called to raise the issue with the amounts they told me my account would be placed in forebearance until XXXX and that what I paid would be credited toward the balance such that my first payment likely would not start until XXXX. Then, they started charging me in XXXX and never credited my account. 
Since then, I have tried to get a hold of them without success. This week alone, on Tuesday, I called and had to hang up as i was on hold over an hour. Also on XX/XX/XXXX, I called and asked for a call back but received one. Today, I called, was placed into a hold for over an hour and then disconnected by them. I can not get a hold of anyone to address these issues and am extremely frustrated that i was charged over XXXX $ that has not been credited to my account that should be due to the Federal Government Investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: MD

Complaint narrative:
The Following Inquiries Where Not Authorized By Me. 
XXXX XXXX BANK XXXX, XXXX XXXX, XXXX, XXXX XXXX AUTO, XX/XX/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 ( Bank ), XX/XX/XXXX XXXX XXXX XXXX XXXX ), XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ), XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ), XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XX/XX/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, XX/XX/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 2024-02-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The Following Inquiries Where Not Authorized By Me. 
XXXX XXXX BANK XXXX, XXXX XXXX, XXXX, XXXX XXXX AUTO, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX BANK ( Bank ), XX/XX/XXXX XXXX XXXX XXXX XXXX ), XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ), XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ), XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO, XX/XX/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  XX/XX/XXXX CAP XXXX NA, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T, XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: VA

Complaint narrative:
Chime stated via text a fraudulent charge was attempted XX/XX/. I confirmed in my response via text that the charge was not initiated by me and was in fact, fraudulent. They then, replied, the charge would be blocked. Not only did they wait for the charge to clear and post, but after calling XX/XX/ a dispiute was never filed. I had to call again, XX/XX/XXXX, to file a follow-up dispute with supporting screenshots/documentation of the text message and my whereabouts at the time of the transaction. After less than 4 hours, the investigation was concluded and case subsequently closed. A customer service rep confirmed multiple transactions were attempted and that was the only XXXX flagged and myself notified about. The amount total is {$310.00} that Chime is stating that I owe after XXXX dispute attempts. Charge orginated in XXXX, XXXX. They're now stating due to bankruptcy they're unable to refund/or remove/reverse the charge. and unable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NC

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 2024-02-08 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: NC

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 explanation