vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Self Financial Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX ca XXXX ] [ XXXX [ XXXX [ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Dispute of Unknown Charges Impacting Credit Score Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute unknown charges that have recently appeared on my credit report, resulting in a significant drop in my credit score. I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have carefully reviewed my credit report, obtained from XXXX XXXX XXXX XXXX XXXX XXXX ], on XXXX XXXX and noticed several unauthorized charges that I have no knowledge of. The charges in question are affecting my creditworthiness, potentially hindering my future financial opportunities. 

I am providing the relevant details below for your reference : Total Amount in Dispute : [ {$720.00} ] I have attempted to resolve this issue by contacting the respective creditors and explaining that these charges are not familiar to me. However, my attempts have yielded limited success, as the creditors have been unable to provide any satisfactory explanation or documentation supporting the charges. 

I hereby request that the CFPB : 1. Conduct a thorough investigation into these unauthorized charges listed on my credit report, 2. Promptly notify me of the findings and actions taken in this regard, 3. Remove these questionable charges from my credit report, 4. Provide me with an updated credit report once these discrepancies have been resolved, 5. Take any necessary actions against the responsible creditors for reporting erroneous information, and 6. Provide me with guidance on how to prevent similar occurrences and protect my credit in the future.

Enclosed with this letter are copies of my credit report highlighting the disputed charges, as well as any supporting documentation I have concerning my attempts to resolve this issue independently.

I appreciate your prompt attention to this matter and trust that the CFPB will investigate and resolve this dispute in a fair and efficient manner. Should you require any additional information or documentation from my end, kindly notify me at the contact information provided above.

I would like to thank you in advance for your assistance in rectifying this situation and helping me safeguard my financial well-being. I look forward to a favorable resolution to this dispute.

UCC 1-308 I reserve my rights not to be compelled to perform under any contract or commercial agreement that I did not enter knowingly, voluntarily and intentionally All Rights reserved without prejudice to any rights. Sincerly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MN

Complaint narrative:
MRB BPO LLC has filed a collections for {$110.00} for " overdue debt from XXXX  '' at an address that I have never lived at nor had a lease. I have requested detailed information from MRS BPO LLC on the alleged debt and they did not provide any details. I called back and requested details again and they hung up. I have contacted the property management company for the apartment complex at the address and they have provided proof that I have never lived there. I have filed a dispute for this collection acquisition with XXXX, XXXX, and XXXX- the documentation from the apartment complex was attached to the disputes as supporting data. XXXX and XXXX have completely removed both the collections due as well as the associated address for the collection claim. My credit report is now accurate. I am filing this formal complaint against MRS BPO LLC in order to re-submit my dispute to have the fraudulent collections removed from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
[ XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX XXXX ca XXXX ] XXXX [ XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Dispute of Unknown Charges Impacting Credit Score Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute unknown charges that have recently appeared on my credit report, resulting in a significant drop in my credit score. I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have carefully reviewed my credit report, obtained from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ], on [ XXXX ], and noticed several unauthorized charges that I have no knowledge of. The charges in question are affecting my creditworthiness, potentially hindering my future financial opportunities. 

I am providing the relevant details below for your reference : Total Amount in Dispute : [ {$300.00} ] I have attempted to resolve this issue by contacting the respective creditors and explaining that these charges are not familiar to me. However, my attempts have yielded limited success, as the creditors have been unable to provide any satisfactory explanation or documentation supporting the charges.

I hereby request that the CFPB : 1. Conduct a thorough investigation into these unauthorized charges listed on my credit report, 2. Promptly notify me of the findings and actions taken in this regard, 3. Remove these questionable charges from my credit report, 4. Provide me with an updated credit report once these discrepancies have been resolved, 5. Take any necessary actions against the responsible creditors for reporting erroneous information, and 6. Provide me with guidance on how to prevent similar occurrences and protect my credit in the future.

Enclosed with this letter are copies of my credit report highlighting the disputed charges, as well as any supporting documentation I have concerning my attempts to resolve this issue independently.

I appreciate your prompt attention to this matter and trust that the CFPB will investigate and resolve this dispute in a fair and efficient manner. Should you require any additional information or documentation from my end, kindly notify me at the contact information provided above.

I would like to thank you in advance for your assistance in rectifying this situation and helping me safeguard my financial well-being. I look forward to a favorable resolution to this dispute.

UCC 1-308 I reserve my rights not to be compelled to perform under any contract or commercial agreement that I did not enter knowingly, voluntarily and intentionally All Rights reserved without prejudice to any rights. Sincerly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: TN

Complaint narrative:
I have received a Credit Report from XXXX XXXX. Because my information is incorrect for the following : XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX in collection status. The reason why I'm disputing these accounts is because the information that is currently on my report is a violation of the Fair Credit Reporting Act. The information is incomplete and inaccurate. I'm requesting that these accounts are removed immediately. It is a violation of U.S. Code 15 1681i I will be attaching a letter for each Credit Reporting Service, as well as one addressed to the Attorney Generals Office of Tennessee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The company did not explain the computer error that caused the problem. They only reported the problem that is present on the credit report. This is not a resolution.

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 2023-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Nelnet recently acquired my student loans. I applied and was approved for the SAVE program, with {$0.00} income due to being recently laid off. Under the SAVE program, I am entitled to {$0.00} payments, with no interest accrual, until the next re-certification period. Nelnet has sent an email on XX/XX/23, encouraging borrowers to make payments to avoid the accrual of interest. This is misleading and deceptive marketing and advertising, quite literally untrue, and creates pressure on the borrower, despite the fact that interest is not actually accruing. Other financial institutions would be penalized for such behavior and student loan issuers should be held similarly accountable. I implore the CFPB work with Nelnet to improve their marketing compliance program, and prohibit their predatory marketing tactics. Given the lack of traditional consumer protections surrounding student loans, consumers deserve straight forward information regarding their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I signed up for a Delta Gold AMEX card with an offer to earn XXXX miles in XXXX of this year after spending {$2000.00} in 6 month period. I did spend way more than that but never received my promotional bonus points. Chat support or phone customer service failed to tell me why I didn't get the points or give me my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report with transunion. looking over my credit file ive noticed alot of errors that Neds to be deleted asap. this is my 2nd attempt to process disputes that can help improve my credit. please review the following data that is listed to help clear my file asap.

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 2023-09-10 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: CO

Complaint narrative:
I sent the following letter to the three reporting agencies. They are violating the law I have complained several times about them using my personal information without my express written consent which they can not provide because I have not given it. Please rectify the issue immediately.

I am writing to formally request the removal of certain transactions on my consumer report, as outlined in the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Ive reviewed my consumer report and Ive identified transactions to be removed per the aforementioned laws.

Copies of this letter and certified mail receipts are also being submitted to the Consumer Financial Protection Bureau. 

Below are the details of the transactions that I demand be excluded from my consumer report : Please acknowledge receipt of this correspondence by detailing the time frame of any applicable investigations. 
Ive included copies of identification as well as a copy of a bank statement for identity verification purposes. 

Thank you for your prompt attention in resolving this matter. 


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 explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in processing disputes to delete an remove all inaccurate information on my credit report with experian. checking my credit file ive noticed that none of these items are correct on all 3 credit files. this has caused alot of errors on my credit report. this is my 2nd attempt an I am interested in action being taken. please review an remove all listed items to fix my credit report asap.

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 2023-09-10 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: Colony Brands, Inc.
State: FL

Complaint narrative:
credit was obtained in my name but was canceled because of alert also credit being applied for in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: Self Financial Inc.
State: IL

Complaint narrative:
Dear XXXX, XXXX and XXXX, I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : Self Amount : {$690.00} Party Owed : XXXX XXXX  Amount : {$770.00} INQUIRIES XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX BANK NA Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I XXXX disputing this claim due to : I had know knowledge of these accounts addresses or inquiries nor did I give permission for anyone to sign up with their company underneath my information I have also sent dispute letters as well as FTC report to the companies and credit bureaus listed above This is my official request to have the aforementioned item to be deleted off my credit report.

Enclosed may be additional evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
The company is First Point Collection Resources , Inc located in XXXX NC. Had debt from an XXXX XXXX visit to XXXX XXXX XXXX in XXXX NC. Made payments to the hospital but was sent to collections. 

Received notice from the above referenced company and filed a Dispute. In the dispute we requested several items to include : 1. A detailed Invoice 2. Paperwork indicating who would be responsible for debt 3. Confirmation that XXXX XXXX XXXX is in compliance with Transparency Laws ( ie. Cost of services was not disclosed prior to services being rendered. 

Received nothing but a vague copy of an invoice that referred to several items that were not detailed as well a letter that said XXXX XXXX XXXX verified the debt was appropriate. 

The letter was from XXXX XXXX, Manager of XXXXXXXX XXXX XXXX XXXXXXXX. 

While on a phone conversation with the company they threatened to damage my credit by reporting to credit bureaus. 

I feel as though I am responsible for a portion of the debt but that the Hospital failed to be transparent and the collections agency has done little to confirm the debt and work out payment options, nothing but threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: CO

Complaint narrative:
I sent the following letter to the three reporting agencies. They are violating the law I have complained several times about them using my personal information without my express written consent which they can not provide because I have not given it. Please rectify the issue immediately.

I am writing to formally request the removal of certain transactions on my consumer report, as outlined in the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Ive reviewed my consumer report and Ive identified transactions to be removed per the aforementioned laws.

Copies of this letter and certified mail receipts are also being submitted to the Consumer Financial Protection Bureau.

Below are the details of the transactions that I demand be excluded from my consumer report : Please acknowledge receipt of this correspondence by detailing the time frame of any applicable investigations.

Ive included copies of identification as well as a copy of a bank statement for identity verification purposes.

Thank you for your prompt attention in resolving this matter. 


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 explanation
Consumer complaint received 2023-09-10 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: CO

Complaint narrative:
I sent the following letter to the three reporting agencies. They are violating the law I have complained several times about them using my personal information without my express written consent which they can not provide because I have not given it. Please rectify the issue immediately.

I am writing to formally request the removal of certain transactions on my consumer report, as outlined in the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Ive reviewed my consumer report and Ive identified transactions to be removed per the aforementioned laws.

Copies of this letter and certified mail receipts are also being submitted to the Consumer Financial Protection Bureau.

Below are the details of the transactions that I demand be excluded from my consumer report : Please acknowledge receipt of this correspondence by detailing the time frame of any applicable investigations.

Ive included copies of identification as well as a copy of a bank statement for identity verification purposes.

Thank you for your prompt attention in resolving this matter. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern : According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15U.S.C. 1681i ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. I require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.

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 2023-09-10 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: AL

Complaint narrative:
I wrote a letter to check and verify these accounts for a 100 % accuracies and completion if not under the fair reporting act please delete. XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: AL

Complaint narrative:
I wrote a letter to check and verify these accounts for a 100 % accuracies and completion if not under the fair reporting act please delete. XXXXXXXX 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

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