vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Subject : Dispute of Medical Debt and Request for Cease of Communication Dear [ Collection Agency Name ], I am writing to formally dispute the validity of the medical debt that your agency is attempting to collect from me. I would like to emphasize that I did not sign any contract with your agency, and therefore, I do not owe any payment for the alleged debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you cease all communication regarding this debt immediately. Furthermore, I urge you to remove this debt from my credit report as it has significantly impacted my ability to lead a fulfilling life and utilize my credit due to the negative item you have placed on my report. 

I would like to bring to your attention that the information relating to my XXXX XXXX, including the billing details, is protected by the XXXX XXXX Portability and Accountability Act ( XXXX ). This legislation ensures that my medical information remains confidential and is not shared without proper authorization. Therefore, any disclosure of this information to your agency is a violation of my privacy rights. 

Moreover, I have taken the necessary steps to cc the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) to ensure that they are aware of the ongoing dispute and the inaccuracies present on my credit report. I have been diligently working to rectify these errors, as they have caused significant distress and have negatively impacted my financial opportunities. 

It is imperative for your agency to understand that I have not entered into any contractual agreement with you regarding this medical debt. Therefore, any attempts to collect payment from me are unjust and unwarranted. I request that you provide me with documented proof of this debt, including a signed contract or other legally binding evidence that establishes my liability for this obligation. 

I implore you to thoroughly investigate this matter and take immediate action to remove this inaccurate information from my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that all reported information must be accurate, verified, and not misleading. 

I expect to receive written confirmation from your agency within the legally mandated XXXX period, acknowledging the receipt of this dispute and providing me with an update on the actions taken to address this matter. 

Thank you for your immediate attention to this dispute. I trust that you will handle this matter with the utmost professionalism and resolve it promptly. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I requested debt validation that they claimed was sent to me. They proceeded to sue me when they are supposed to validate and stop collections till they can validate. They claimed it was mailed to me. Which I have proof its a lie because I get pictures from usps informed delivery sent to my email. They sued me even though I asked for validation which they were to stop collections on this debt. I asked for validation before the do date.

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 2023-11-11 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: ACIMA CREDIT, LLC
State: UT

Complaint narrative:
Acima Lenders located in Utah. Has put in my Experian account that I have a loan or a merchandise between range {$4000.00} which I Absolutely Do not Have Any Product of Thiers. I need to Buy a new car and it's affecting my credit with the lenders. XXXX XXXXXXXX XXXX XXXX Thank you for your Time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have submitted a XXXX request to manually recertify my income to change my payment amount from {$0.00} XXXX to an actual payment amount XXXX on XX/XX/23 through studentaid.gov with all required documents. Nelnet received it and then made me resubmit all of the same documents. They have now been " processing '' it with no real update. In the meantime, I am unable to get a home loan due to any payment amount not showing up on my account and the long delay in processing times. It's also caused a problem because Nelnet originally showed my loans in forebearance but they just recently updated it to XXXX even though the application hasn't moved along in the process. Also, the wait time to talk to someone has exceeded XXXX hours and I've given up. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Dispute of Medical Debt and Request for Cease of Communication Dear [ Collection Agency Name ], I am writing to formally dispute the validity of the medical debt that your agency is attempting to collect from me. I would like to emphasize that I did not sign any contract with your agency, and therefore, I do not owe any payment for the alleged debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you cease all communication regarding this debt immediately. Furthermore, I urge you to remove this debt from my credit report as it has significantly impacted my ability to lead a fulfilling life and utilize my credit due to the negative item you have placed on my report. 

I would like to bring to your attention that the information relating to my medical debt, including the billing details, is protected by the XXXX XXXX Portability and Accountability Act ( XXXX ). This legislation ensures that my medical information remains confidential and is not shared without proper authorization. Therefore, any disclosure of this information to your agency is a violation of my privacy rights. 

Moreover, I have taken the necessary steps to cc the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) to ensure that they are aware of the ongoing dispute and the inaccuracies present on my credit report. I have been diligently working to rectify these errors, as they have caused significant distress and have negatively impacted my financial opportunities. 

It is imperative for your agency to understand that I have not entered into any contractual agreement with you regarding this medical debt. Therefore, any attempts to collect payment from me are unjust and unwarranted. I request that you provide me with documented proof of this debt, including a signed contract or other legally binding evidence that establishes my liability for this obligation. 

I implore you to thoroughly investigate this matter and take immediate action to remove this inaccurate information from my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that all reported information must be accurate, verified, and not misleading. 

I expect to receive written confirmation from your agency within the legally mandated XXXX period, acknowledging the receipt of this dispute and providing me with an update on the actions taken to address this matter. 

Thank you for your immediate attention to this dispute. I trust that you will handle this matter with the utmost professionalism and resolve it promptly. 

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 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have many closed accounts on my credit report from unknown companies. I need these removed 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 2023-11-11 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 have submitted multiple disputes to XXXX, XXXX, and TransUnion about a car loan titled XXXX XXXX XXXX or XXXX XXXX XXXX on my credit report. I successfully removed these from my XXXX and XXXX credit reports, due to the account having information that does not belong to me such as it being purchased in a different state. I have tried to dispute the same information with TransUnion as well as the 30 inquiries on my TransUnion credit report to no avail. I provided them with documentation of my Identity theft report filed with the Federal Trade Commission, but TransUnion came back and said it was fake. They refuse to properly investigate and delete the inaccurate information. Instead, they lock me out of my online account for extended periods of time so I can't dispute or respond to their dispute results and make it to where I can only mail them in my disputes. This happens at least 3 times a month, I do not have these problems with the other credit bureau 's only TransUnion. In regards to the over 30 credit inquiries on my report most of them being 5 to 6 duplicates from the same company. TransUnion refused to investigate them and remove them for inaccuracies and simply sent a letter stating they were true immediately after I submitted a dispute for them. TransUnion is the only credit report that does not delete incorrect information, no matter how much proof you submit they always come back with an excuse. They are going out of their way to deliberately negatively impact my credit report. I have talked to a lawyer and if the information is not fixed I am afforded the right to seek litigation, which I fully intend to do.

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 2023-11-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX... has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-11-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX... has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Someone logged into my account EXPERIAN used my credit report to put soft inquiries without my consent. 

These soft inquiries are fraudulent, and I already filed a police report. 
Someone logged into my account unauthorized and did a soft inquiry without my knowledge.

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 2023-11-11 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: CA

Complaint narrative:
XXXX Card Account # XXXX Canceled {$1900.00} XXXX Account XXXX XXXX Canceled off {$700.00} XXXX XXXX Account # XXXX Canceled off {$710.00} XXXX XXXX Account # XXXX Canceled off {$3500.00} According to 15 USC 1681 s-2 These accounts has been charged off on my credit report and is defined by the IRS as canceled and is a gross income on my tax return. A lender that cancels or forgives a debt of {$600.00} or more is considered taxable income on my income tax return. I am not authorized to pay these charge offs because it is not a disputable debt. The debt has already been forgiven, its already been canceled, and it is now taxable income to me. I am requesting the deletion of this inaccuracy effective immediately or I will file a 3949-A form on these companies.

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 2023-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zenith Financial Network Inc
State: GA

Complaint narrative:
I keep getting calls from a Zenith Debt Management. They tell me to log into the Website to view my balance and make a payment but I don't know if they have a legitime claim to the debt or if they were working on behalf of my creditor. There is no place to dispute it, and when I close the page for that lack of information I get texts from them asking me why I didn't. 

At one point I told them I wasn't sure if the debt was legitimate, and they told me that because I verified my info to view the debt it was. Now because I couldn't verify the debt they're threatening legal action against me.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, I used PayPal to send money to my friend. I sent her {$1700.00}. After sending her the money, I contacted her to verify that she received it. She had not. I checked my PayPal and saw that it had instead been received by a man named XXXX. This was the incorrect person. I then called PayPal to have them cancel the transaction because it had not yet been accepted or withdrawn by the individual. Customer service encouraged me to contact this individual and helped me file a claim. While I was awaiting to hear back regarding the claim, I asked customer service if I could contact my bank to have them bounce the transaction because it was incorrect and had not yet left my account. Customer service agreed that I could contact my bank. My bank was quick to bounce any transactions that amounted to {$1700.00}. I believed that my account was now secure and that the money would not be wrongly received by this individual. Later that day, I received a notice that PayPal had denied my claim. At this point, the money was still not withdrawn from my account. I was confident that my bank would bounce the transaction if XXXX accepted the money. He never responded to my methods of contact, but he did eventually accept the funds and PayPal charged my bank account on XX/XX/XXXX. Yet I did not have the funds to pay this. When the money did not go through, PayPal still gave XXXX the money and placed my account on a negative balance. I am now being contacted by a collection agency to pay the overdrawn fee. I disagree that my account should be overdrawn because I reject the transaction and do not permit it. I have tried contacting PayPal customer service since then but have been unable to talk to anyone about this particular case after attempted calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I have XXXX XXXX. Per XXXX. XXXX l owe {$120.00} with Ref. as of XX/XX/2023 to XXXX XXXX XXXX XXXX. This XXXX, XXXX XXXX XXXX. XXXX, would NOT render me any services unless I pay my responsibility ( copay ) upfront. I do not owe such debt. I would really appreciate a response to my complaint. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I have attempted to make monthly payments for the past four months. Every time I pay, my payments are pending and then processed and eventually reversed. My interest continue to accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: NJ

Complaint narrative:
I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of XXXX inaccurate accounts from pages XXXX and XXXX of the XX/XX/XXXX Experian report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX XXXX bill due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX listed under page XXXX of the attached Experian report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX The payment history shows okay for XX/XX/XXXX yet the last payment was supposedly made in XX/XX/XXXX which makes no sense. XXXX XXXX XXXX as closed in XX/XX/XXXX on page XXXX of the XX/XX/XXXX XXXX XXXX report XXXX but the same account shows as open in XX/XX/XXXX on page XXXX of Experian report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. 
Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099. 
On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
As a result, this invalid/ inaccurate XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.

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 2023-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect. 

It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness. 

I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency. 

Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2017, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being. 

I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated XXXX period, informing me of the actions taken to address this matter. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves. 

Sincerely,

Company response to consumer: Closed with explanation