vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: PA

Complaint narrative:
I am XXXX XXXX. I am submitting this complaint for myself. I have been disputing a public record for several years. The agencies continued to send back a verified status on my reports. A bankruptcy has been showing on my reports stating verified with LEXISNEXIS. A letter to LexisNexis was sent certified mail/USPS on 9/20/21. The letter states that theyre in violation of my consumer rights according to U.S Code 1681a ( 4 ) - Consumers Right to privacy. This company hasnt verified any of my information to ensure its accuracy. Furnishing both personal or public information has been detrimental to my well being. As well as U.S.15 1681b ( a ) ( 2 ) -Permissible Purpose. LexisNexis never had my written consent to furnish any of my information. According to USPS tracking my letter has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To whom this may concern, This is my 3rd attempt to respectfully request that the CFPB contact the credit bureau in question to reinvestigate my request to have inaccurate, erroneous, and potentially harmful non-validated items removed from my credit report. It is now my belief that Transunion is attempting to initiate stall tactics by responding to the CFPB that The company needs authorization from you to proceed with your complaint.. PLEASE BE ADVISED THAT I DO NOT HAVE A 3RD PARTY ENTITY SUBMITTING ANY DOCUMENTATION OR THIS CFPB COMPLAINT REQUEST ON MY BEHALF!! THEREFORE, NO AUTHORIZATION OF ANY KIND IS NEEDED!! YOU HAVE FULL AUTHORITY TO CONDUCT THIS INVESTIGATION PER MY REQUEST!!

I sent a request to investigate inaccurate accounts on my credit profile on XXXXXX/XX/2021. At the time of this missive, it has been more than 60 days since I've sent my inquiry but I have yet to receive a response. I am looking forward to making some major purchases very soon for the betterment of my family but these inaccuracies on my credit profile are stopping me from achieving my dreams.

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX bank refuse to fix the one late payments they put me in when I was never late with this account I made every payment since its been open on time with no problem. Since they refused to fix I closed the account I refuse to do business with someone who doesnt fault and Flaws of their own. I spoke to numerous reps who all promised me to fix this on their end and months later since no results.

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
XXXX bank refuse to fix the one late payments they put me in when I was never late with this account I made every payment since its been open on time with no problem. Since they refused to fix I closed the account I refuse to do business with someone who doesnt fault and Flaws of their own. I spoke to numerous reps who all promised me to fix this on their end and months later since no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash App account was hacked. Noticed that there was XXXX w/d from my Cash App that was linked to my debit card and ultimately my checking account. I reported the fraud to XXXX XXXXXXXX XXXX immediately and I reported the fraud to Cash App right away -- same day. Both parties initiated a " dispute '' but months after, I get notification from both parties that they have denied my claim. We have no idea who the money went to, did not participate in the transaction, did not allow anyone access or use of the Cash App account and we did not benefit from the transaction. 
I tried to start the dispute process over with Cash App and the case is still not closed. I can not reach anyone for assist other that slow email back and forth. There is no customer service for Cash App other than email which makes it very difficult and slow to resolve a claim. 
This has been going on for months. XXXX  XXXX XXXX reversed provisional credit on XX/XX/2021 and then closed the case again on XX/XX/2021 ; they state I should work with Cash App. 
Cash App would not assist me but now say they are working with our bank. 
This dispute began back on XX/XX/2021. I reported the fraud the very day the transactions were trying to come through. 
XXXX was stolen from me via Cash App in the amounts of ; XXXX, XXXX, XXXX, XXXX, XXXX. I need help with this dispute. I need Cash App to reimburse me the fraudulent transactions and I would like to close my account out afterwards and the customer service and fraud prevention is terrible. 
My email is XXXX and phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX why are you serving the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in my identity? XXXX XXXX and XXXX have always been private lenders. XXXX XXXX and its entities has never been a Federal Lender. XXXX XXXX could consolidate their originated only private student loans thru XXXX XXXX with the Department of Education thru their joint collaboration am I correct? Then the Consolidation loan would become owned by the Department of Education. Then the Department of Education would find a different servicer for the new Department of Education Direct Loan Consolidation am I correct? For all the credit Bureaus XXXX has been falsifying reporting as Educational Loans but actually has falsifying made documents as a consolidation loans. XXXX has not sent me one Promissory Note with XXXX XXXX XXXX as a private Lender of their consolidation loans. XXXX is currently a servicer to student loans in my identity without my permission. XXXX will only pick and choose questions but will not answer all of my questions. XXXX will state repeated question but will not answer all of my questions. Watch this Credit Bureaus. XXXX send thru the CFPB portal those 9 XXXX XXXX and {$7000.00} XXXX Loan from the XXXX  XXXX XXXX XXXX from your Private Lender XXXX XXXX XXXX. Do not send any loans from XXXX XXXX, XXXX XXXX  or any other federal lender because they are not written in your consolidation package. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX could only purchase consolidation loans after they had been consolidated by a federal lender XXXX why are you reporting Educational Loans to the Credit Bureaus when you should have been reporting Consolidation Loans? Be prepared for rebuttal. XXXX XXXX could only consolidate with the Department of Education then loans would become the Department of Education ant XXXX not the servicer?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX why are you serving the University XXXX XXXX XXXX XXXX XXXX XXXX in my identity? XXXX XXXX and XXXX have always been private lenders. XXXX XXXX and its entities has never been a Federal Lender. XXXX XXXX could consolidate their originated only private student loans thru Direct Consolidation with the Department of Education thru their joint collaboration am I correct? Then the Consolidation loan would become owned by the Department of Education. Then the Department of Education would find a different servicer for the new Department of Education Direct Loan Consolidation am I correct? For all the credit Bureaus XXXX has been falsifying reporting as Educational Loans but actually has falsifying made documents as a consolidation loans. XXXX has not sent me one Promissory Note with XXXX XXXX XXXX as a private Lender of their consolidation loans. XXXX is currently a servicer to student loans in my identity without my permission. XXXX will only pick and choose questions but will not answer all of my questions. XXXX will state repeated question but will not answer all of my questions. Watch this Credit Bureaus. XXXX send thru the CFPB portal those 9 Stafford Loans and {$7000.00} Perkins Loan from the University XXXX XXXX XXXX from your Private Lender XXXX XXXX XXXX. Do not send any loans from XXXX XXXX, XXXX XXXX  or any other federal lender because they are not written in your consolidation package. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX could only purchase consolidation loans after they had been consolidated by a federal lender XXXX why are you reporting Educational Loans to the Credit Bureaus when you should have been reporting Consolidation Loans? Be prepared for rebuttal. XXXX XXXX could only consolidate with the Department of Education then loans would become the Department of Education ant XXXX not the servicer?

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I tried to log into my account online and notice that my account was locked. I then contacted NetSpend ( Skylight prepaid card ) and was informed that my account was locked because of suspicious activity on my account. After giving them personal information they allowed me to review my account. Upon reviewing my account I found that {$3500.00} was taken from my account over a four day span ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). I inquired why they did not notified me that my account had suspicious activity. She had not answer. We than submitted a dispute for the money taken from my account. They also issue me a new debit card. However no one from the dispute department reached out to speak to me and I continue to call and try to speak with the dispute department and all I get told is someone from the dispute department will call me in 24 to 48 hours and they never call. On XX/XX/XXXX I get a letter informing me that the dispute has been investigated and they found no errors and because I did not changed my pin when they send me a new card the investigation is close. I continue to call them trying to speak to the dispute department only to be told that some will call me back in 24 to 48 hours. The last time I called was on XX/XX/XXXX and to date no one has returned my call. I need assistance getting my money there was 26 ATM withdrawal from my account and not from location that I normally go to. There was also on transaction of {$25.00} paid to XXXX XXXX on XX/XX/XXXX this they returned to me on XX/XX/XXXX. The card Netspend Visa Prepaid Card is issued by XXXX XXXX XXXX, Member FDIC, Pursuant to a license from Visa U.S.A. Inc.

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX obtained this account from XXXX XXXX and it was placed on Mt credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
Lender : Cardinal Financial NMLS ID XXXX The lender repeatedly fails to calculate, collect, and apply escrow payments. In XX/XX/XXXX : I received a letter alerting me to escrow funds of ~ {$1500.00} being held with a third party as part of the loan transaction. I worked with this company to try to get these funds to the lender/servicer. Cardinal financial would not take receipt of the funds. 

XX/XX/XXXX : I received a summons along with a lien threat from my municipality due to lack of payment of taxes that should have come out of the escrow account held by the server by law. Servicer refused to pay taxes out of my escrow. I promptly paid the taxes ( ~ {$5700.00} ) so as not to incur a lien on my property. 

XX/XX/XXXX : Cardinal erroneously paid the tax bill. 

XX/XX/XXXX : Cardinal erroneously double-paid the tax bill. 

XX/XX/XXXX : Cardinal gets refunded ONE of their erroneous/duplicative payments. Increases my escrow payments by {$1000.00} per month to cover their shortages. 

XX/XX/XXXX : Cardinal realizes they made erroneous payments. Is unable to explain what my escrow payments will be going forward while demanding the erroneous additional {$1000.00} be paid AGAIN. 

No relief. No explanation. No end in sight. THIS IS XXXX. They've been floating {$10000.00} of my money for 8 months and are too incompetent to account for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I opened the account in XXXX. The welcome bonus associated with the account is XXXX membership rewards points after spending {$5000.00} within 6 months of the account opening date. I have met this spending requirement in XXXX, but haven't received the points so far. 

As such, I've filed two complaints on CFPB regarding this issue. In the responses from American Express, they mentioned they would issue the points/rectify my account as they fix an internal issue, which is the reason behind the delay. They also confirmed that I've met the spending requirement. 

However, I learned from an online representative today that the spending requirement was not met, and the majority of my spending was considered unqualified. This is shocking, and is against the info provided in the responses from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: WI

Complaint narrative:
I received a notification that I had an adverse account that was posted to my credit report. I called SOUTHWEST CREDIT SYSTEMS & was told that they sent a letter in XX/XX/2018, which I NEVER received. So three years later & with no communication, they slap this on my account. I read the reviews on this company & they are notorious for doing this to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX  reported a payment 30 days late. After discussing the issue with XXXX XXXX I was assured the issue was fixed. XXXX XXXX immediately refunded the late payments and instructed me that the account was noted and to dispute the late charge with all 3 credit agencies and it would expedite the process to remove the late payment. As instructed I immediately notified all 3 credit agencies. Not a single dispute rectified my situation. I again called XXXX XXXX and after multiple conversations was told I am not allowed to speak to the dispute department and that I was given wrong information. I again explained what had happened and the bank again assured me this would be fixed. It s over 90 days later and I am unable to speak to anyone who could rectify this situation for me. I even attempted to dispute the charge itself but XXXX XXXX never properly moved forward to do this. I was explained to twice by XXXX XXXX this would be fixed and I am running out of options to fix the situation.

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  reported a payment 30 days late. After discussing the issue with XXXX XXXX I was assured the issue was fixed. XXXX XXXX immediately refunded the late payments and instructed me that the account was noted and to dispute the late charge with all 3 credit agencies and it would expedite the process to remove the late payment. As instructed I immediately notified all 3 credit agencies. Not a single dispute rectified my situation. I again called XXXX XXXX and after multiple conversations was told I am not allowed to speak to the dispute department and that I was given wrong information. I again explained what had happened and the bank again assured me this would be fixed. It s over 90 days later and I am unable to speak to anyone who could rectify this situation for me. I even attempted to dispute the charge itself but XXXX XXXX never properly moved forward to do this. I was explained to twice by XXXX XXXX this would be fixed and I am running out of options to fix the situation.

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank reported a payment 30 days late. After discussing the issue with Capital One I was assured the issue was fixed. Capital One immediately refunded the late payments and instructed me that the account was noted and to dispute the late charge with all 3 credit agencies and it would expedite the process to remove the late payment. As instructed I immediately notified all 3 credit agencies. Not a single dispute rectified my situation. I again called Capital One and after multiple conversations was told I am not allowed to speak to the dispute department and that I was given wrong information. I again explained what had happened and the bank again assured me this would be fixed. It s over 90 days later and I am unable to speak to anyone who could rectify this situation for me. I even attempted to dispute the charge itself but Capital One never properly moved forward to do this. I was explained to twice by Capital One this would be fixed and I am running out of options to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX obtained this account from XXXX XXXX and it was placed on Mt credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.

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