vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: LEXISNEXIS
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Bankruptcy Information on My Credit Report Notice to agent is notice to principal, notice to principal is notice to agent.

Dear LexisNexis Consumer Center, I am writing to dispute inaccurate information on my LexisNexis credit report. Specifically, my report incorrectly lists a bankruptcy filing that I do not have. 

Personal Information : Full Name : XXXX, XXXX XXXX. 
Date of Birth : XX/XX/XXXX Social Security Number : XXXX Details of the Disputed Bankruptcy : Bankruptcy Type : XXXX  XXXX Bankruptcy Filing Date : XX/XX/XXXX Reference Number : XXXX Additional Case Numbers : XXXX, XXXX Court : XXXX XXXX XXXX Tennessee, XXXX XXXX XXXX XXXX, XXXX, TN XXXX Explanation XXXX The XXXX regarding this bankruptcy is incorrect. I have never filed for bankruptcy. This error on my credit report is affecting my creditworthiness and needs to be corrected immediately. 

Request for Correction : I request that LexisNexis investigate this matter and remove the erroneous bankruptcy information from my credit report. I have enclosed copies of documents to support my claim, including a letter from the bankruptcy court confirming that there is no bankruptcy filed under my name. 

Supporting Documentation : A copy of my government-issued ID ( e.g., driver 's license ) for verification purposes. 
A copy of my Social Security card. 
A letter from the bankruptcy court confirming no record of a bankruptcy filed under my name. 
A copy of the erroneous credit report showing the incorrect bankruptcy information.

Legal References : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), I have the right to dispute inaccurate information on my credit report and request an investigation.

I request that you investigate this matter promptly and provide me with written confirmation once the corrections have been made. Additionally, please send me a copy of my updated credit report reflecting the corrected information.

Additional Request to the Clerk/Authorized Person : Dear Clerk or Authorized Person, I recently pulled my credit report from all three major credit bureaus and saw a bankruptcy being reported in my name. I was unaware that you report this private information to the bureaus without the consumer 's consent. I called the credit bureaus, and they stated that you, the clerk/authorized person, reported it. I would appreciate a letter back stating whether you report to the credit bureaus, the method used, along with the person or department that reported the information, and the procedure used to report that information. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: DC

Complaint narrative:
I am writing to formally dispute a recent decrease in my credit score by XXXX points, which I noticed on my latest credit report. This sudden drop is perplexing and concerning, as I have consistently made all my payments on time with all my creditors. 

To provide some context, my payment history has been impeccable, with no missed or late payments. I regularly monitor my credit report and ensure that all financial obligations are met promptly. Given this diligence, the recent decline in my credit score is both unexpected and unjustified.

I kindly request a thorough investigation into this matter to identify and rectify any errors that may have caused this decrease. Please provide a detailed explanation for this change and take the necessary steps to correct my credit score if an error is found. 

Enclosed are copies of my recent credit report and payment records for your reference. I appreciate your prompt attention to this issue and look forward to a swift resolution. 

Thank you for your cooperation. 

Sincerely,

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 2024-08-07 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: PA

Complaint narrative:
The debt collection company, Tek Collect, is accusing me of owing this debt from XXXX XXXX XXXX XXXX, and upon asking for verification of the debt on XX/XX/XXXX, Tek Collect sent me information which I received on XX/XX/XXXX which included a copy of a lease for an apartment that I have never lived at, with tenant names that I do not recognize, which may be a privacy breach for the people 's information that they provided me. They also provided me with what looks like a ledger from my lease in XXXX containing many duplicate charges, charging for normal wear and tear, as well as seemingly made-up charges. Some examples include charging to change locks, charging to clean window wells, charging to deep clean appliances, and then charging again to replace them, and all of these charges are obscene amounts. They are saying that I owe over {$2800.00}, even after the management company took the full security deposit of almost {$5000.00} due to these charges. The monthly rent was only {$2900.00}. There was also a {$1500.00} " move in fee ''. During the lease, the tenants were also charged around {$2000.00} for a high water bill that was caused by the landlord 's faulty toilet fill valve. Additionally, the amount provided is inconsistent with the amount in the move-out calculation sent by the management company after the lease. It looks like they tacked on charges after the lease was over. The lease was over XX/XX/XXXX and there is a charge for XX/XX/XXXX. They provided me this information, and there was no indication that I can dispute the debt in their communications. I will have to file separate complaints for the management company trying to charge these unreasonable fees and for the negligence that I experienced during the lease, including failing to fix safety concerns, and a gunpoint break in burglary ensued for the tenants after. Attached are images of letters I sent the management company and debt collection company, the cover page for the lease they sent me, screenshots of email correspondence, the provided ledger with many questionable charges.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX 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 2024-08-07 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: TX

Complaint narrative:
I received an email from XXXX on XXXX that my federal student loans were forgiven in full under the XXXX XXXX XXXX XXXX because my students loans have been in repayment of atleast 20 - 25 years. However, the full balance is still showing on my credit reports at XXXX, Transunion and 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 2024-08-07 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:
I received an email from XXXX on XXXX that my federal student loans were forgiven in full under the XXXX XXXX XXXX XXXX because my students loans have been in repayment of atleast 20 - 25 years. However, the full balance is still showing on my credit reports at Equifax, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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:
I received an email from XXXX on XXXX that my federal student loans were forgiven in full under the XXXX XXXX XXXX XXXX because my students loans have been in repayment of atleast 20 - 25 years. However, the full balance is still showing on my credit reports at XXXX, XXXX and Experian.

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 2024-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I flew into XXXX XXXX XXXX in the XXXX XXXX on XX/XX/year> and landed at XXXX local time. I took a taxi from the airport to my XXXX which is about a XXXX minute car ride away. When I reached my XXXX, the taxi guy showed me XXXX XXXX XXXX on the credit card machine, which I happily accepted. After the charge was complete, I asked for a receipt, in which he claimed his machine couldn't produce a receipt and got in his car and left. 

The next morning, I checked my credit card and realized he charged me XXXX XXXX XXXX which is {$600.00}. I called my credit card company, Capital One and they canceled the credit card and issued me a refund. However, after a few days, Capital One reversed the credit and stated that upon investigating, I will need to produce a receipt and work with the merchant for a refund. 

I presented Capital One with my flight ticket, XXXX confirmation and address, XXXX timeline, and XXXX estimate of the cost from the airport to my XXXX. I wrote them a letter informing them of the situation and there was no way I could get a receipt because it was a fraudulent charge and he refused to give me one. I even have my XXXX receptionist try to call the merchant company and cant locate the company in XXXX. 

After speaking with Capital One for a few days, I felt that their request was unreasonable because they are asking for a receipt and asking me to work with the merchant even explaining my situation. But even if I can produce a receipt, it will have the incorrect amount on there. I felt that they wanted me to accept the charge even though their company guaranteed a XXXX liability claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
[ XXXX ] Capital one [ Resurgent acquisition ] [ XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX ] Subject : Dispute of Hidden Fees, Account Closure, and Debt Sale Dear Capital one I am writing to formally dispute the charges and handling of my account I am deeply concerned about several issues regarding the hidden fees, the closure of my account, and the subsequent sale of my debt to a third-party debt collector. 

To provide context, on [ specific date ], I noticed a charge of {$1100.00} on my statement that was not disclosed or communicated to me. This lack of transparency is troubling and has led to unexpected financial strain. 

Furthermore, on XXXX, without prior notice or a reasonable explanation, my account was abruptly closed. This action has not only affected my credit score but has also caused significant inconvenience and stress. Following the account closure, on [ specific date ], I was informed that my debt amounting to [ $ amount ] had been sold to [ name of third-party debt collector ]. This was done without proper communication or disclosure, leaving me in the dark about the status of my debt. 

I am requesting the following actions to be taken immediately : XXXX. A detailed explanation of all the charges and fees applied to my account, including the {XXXX} charge on XXXX XXXX. An investigation into the hidden fees and why they were not disclosed appropriately. 
3. Reinstatement of my account with a clear and transparent breakdown of any legitimate charges.

4. Clarification on the sale of my debt, including the terms under which it was sold and the identity of [ name of third-party debt collector ].

5. Rectification of any negative impact this situation has had on my credit report. 

I believe that as a customer, I deserve transparency and fair treatment. I am hopeful that this matter can be resolved amicably and promptly. 

Please acknowledge receipt of this letter and provide a response within 14 days. I am confident that we can address these issues satisfactorily and restore my faith in your companys services. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX I purchased a service from XXXX XXXX to unlock my XXXX. From the XXXX reviews and advertising on their website they stated they can unlock your phone with XXXX. I purchased the service for {$26.00}. They email me and say now I qualify for the full unlocking of the phone for {$89.00} when it never said it was additional charges. I paid the charges anyway to get the phone unlocked. Days after purchase you see the circle grid filling up to say its almost done. It gets all the way up to XXXX  % and has been there since XXXX. I have reached out to mobile unlocked and still no reply. They say they have a 30 day contract with whom ever unlocks their phones. I waited the full 30 days. The phone is still not unlocked at this current time. I provided screenshots of all this to Chime XXXX. They have a lengthy process which I do not agree with. I have been waiting for this merchant for over a month. Now Chimes lengthy process is making this be even a more disaster of a purchase. I express my disappointment and frustration with the process and wanted to see if Chime could expedite my dispute to solve since it was proof and time on my side the merchant never delivered. I even wrote an email to XXXX XXXX XXXX to say this process was very frustrating and could their be anything done in my favor. The next morning I have an email saying my dispute is closed and Chine see anything wrong. So they sided with they merchant who stole {$110.00} for your consumer and thats ok!? After going back and forth with some of their workers who cant seem to understand why I would be frustrated I am now constantly being emailed by Chime and threatened with strikes on my account, account closure, and words of getting law enforcement involved as to say Im threatening them!!! In what manner? I have not made not one threat to no one during my frustrations. I only stated their is legal actions against companies displaying this type of behavior. Something must be done for the consumer to not be bullied by a company this way. To threaten me with law enforcement when Im a hard working father trying to get his money back from a thief merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-08-07 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: TX

Complaint narrative:
My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-08-07 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: TX

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-08-07 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: TX

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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