vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
XXXX and XXXX is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
In a recent review of my credit report, I have noticed you are trying to collect on a debt you say I own you, but I have never received a call or letter from you, so I need you to please tell me on what date did I open an account with you and why you think I owe the debt. Send me a signed copies where I contracted to do business with you and the date I entered into an agreement with your firm or the name and address of the original creditor to whom the debt is currently owed, the account number used by that creditor and the amount owed to that creditor the date it was open and the date it was transferred. 

Pleas provide verification and documentation with my signature on it, and that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide written agreement that created my original requirement to pay the amount and age of the debt, a copy of the last billing statement sent to me by the original creditor. Explain how the debt is permitted by law and if so why you did not give written notice that you are taking action past the limitation period and are you trying to get around this law by reporting and old debt as newer that it really is. But by lying about the age of the account is or the date of any delinquency, you or the debt buyer violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a medical collection with XXXX that was reporting on XXXX  and Equifax and requested validation under the guidelines set forth by the FDCPA, Texas Finance Code and HIPAA. XXXX responded but did not send any documentation to support their claim that I owe the amount reported. A demand for removal was sent to XXXX and they received it on XX/XX/2021. However, instead of removing it as they should have per federal and state law, they opted to report the disputed account to XXXX. This act has severely damaged my credit reporting and is concerning since each account newly reported was in dispute. I have attached documentation to show that the dispute had not been resolved and this act may have possibly violated several consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, 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 disputed a medical collection with XXXX that was reporting on Experian and XXXX and requested validation under the guidelines set forth by the FDCPA, Texas Finance Code and HIPAA. XXXX responded but did not send any documentation to support their claim that I owe the amount reported. A demand for removal was sent to XXXX and they received it on XX/XX/2021. However, instead of removing it as they should have per federal and state law, they opted to report the disputed account to XXXX. This act has severely damaged my credit reporting and is concerning since each account newly reported was in dispute. I have attached documentation to show that the dispute had not been resolved and this act may have possibly violated several consumer protection laws.

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 2021-05-20 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: OH

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I don't recall having a HAND WRITTEN agreement with any of the following companies that have been reporting falsely on my credit. I don't know who any of these companies are, therefore I demand the following accounts be verified or deleted immediately. 
: 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 non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
There is an account showing on my credit profile from XXXX XXXX XXXX that violates my rights and has continuously caused me financial harm over the last 18 months. Attached with my complaint you will find a copy of the XX/XX/XXXX letter sent to XXXX XXXX XXXX requesting specific information regarding this account. 

I informed XXXX XXXX XXXX that under the laws of South Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS.

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL It has been past 30 days and GXXXX XXXX XXXX has failed to provide the requested information. On XX/XX/XXXX I directly disputed this account with Equifax, XXXX and XXXX. Attached is a copy of the letter sent to each of the credit bureaus asking them to reinvestigate this matter on my behalf and to send me a copy of all documentation received from XXXX XXXX XXXX  They have failed to provide me with the documentation. 

I am now asking the CFPB to intervene on my behalf and demand the credit bureaus deliver said documents or remove the erroneous information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: TX

Complaint narrative:
pened a Discover secured credit card account. I was approved and funded the card through an ACH transfer from my bank to Discover. A card is mailed to me and I am able to activate and use the card. A week/10 days in, I am asked to submit a verification document. 10 days after that, I received an email saying that my account has been closed. I called Discover to get information regarding the closure. They could provide none other than " business decision. '' I asked about recourse, next steps and why there was no adverse action notice. They had no answers other than " our current policy is not updated '' so we can not provide any information regarding the business decision. Any remaining credit balance will be mailed to me in 4 months. Why was I approved for a card and then denied with no explanation or recourse? In addition, why are they holding on to my money and collecting interest on it based upon their unilateral decision? The phone agent did indicate that I could reapply for a card. It I can reapply for a card though I suspect it would be rejected and further harm my credit score. 

In my XXXX  complaints, Discover reviewed my complaint and cited no new information and provided no answers : They provided no adverse action notice and no justification for their decision. They must inform me of where they got their information and how it can be corrected. I received neither of those. When pressed in the XXXX complaint, Discover offered no information and subsequently the XXXX complaint was closed without resolution. 

They are violating FCRA as their denial of credit impacts my credit score. I have a right to know why my credit account was closed and how I can correct any errors that led to that bad decision. They do not get to have my money for several weeks while they review and ultimately cancel my credit account. 

As this closure negatively impacted my credit score and any subsequent attempt to reopen an account would further impact my account, they have a responsibility to disclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I called Equifax and spoke with XXXX  ID # XXXX explained that I did not give anyone permission to access my credit for any reason. I explained that I did not do this and according to the FCRA those inquiries should be removed for XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, TX XXXX AR XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have explain that I did not do this. Delete this information from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I did go to the hospital but never received a bill in the mail, nor was my bill ever explained to me. The bill went to collections and I paid the balance in full immediately by phone with the promise of the collections being removed from my credit report. There were two collections from the same collector for the same hospital visit, it was just split into two separate bills and therefore separate collections somehow. I've previously disputed this situation via the CFPB who contacted the collector XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX and XXXX. Results from XXXX are still pending. The debt collector, XXXX XXXX XXXX, contacted the bureaus on my behalf as well and requested to remove the account from my credit report. The collection company did in fact confirm the collections should be removed. However, only one of the collections was removed from my account. One collection still remains and is reflecting poorly on my credit report. Probably a clerical error but it still needs to be resolved in exactly the way it was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: LA

Complaint narrative:
XXXX  and Experian is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.

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 2021-05-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/21. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX, upon reviewing my credit reports, I observed a new collection data from National Credit Adjusters. XXXX XXXX supposedly being the original creditor. The collection amount was XXXX. Before the collection data, National Credit Adjusters has never contacted me via mail or phone. Unaware of this debt, I called National Credit Adjusters to inquire about this inaccurate information placed on my credit reports. The representative stated I owed a debt from XXXX XXXX. Explained to the representative that I never had a XXXX XXXX account, this information was inaccurate and needed to be removed from my credit report. The representative stated that was not possible and I needed to pay the debt. Ask the representative for the address and account open date. The respresentive stated the address was XXXX XXXX XXXX XXXX in Alabama. I asked were in Alabama. The representative stated its just says Alabama. First of all, I never lived on XXXX XXXX XXXX somewhere in Alabama. Really, this company couldn't give me accurate information regarding the account or accurate address. I asked for the XXXX XXXX credit services number to dispute the account. The representative stated they may not speak with you regarding the account but precedes to give a number. Called XXXX XXXX with the number NCA representative provided but the number wasn't in service. XXXX XXXX XXXX card services to inquire about the alleged account. I spoke with a XXXX XXXX representative regarding the alleged credit card account. The representative stated she couldn't find my information in the system. The representative asked if I had a previous or current account with them. I informed the representative I never had an XXXXe XXXX but National Credit Adjusters claims I owe this debt. National Credit Adjusters is placing false accounts on consumers credit reports to collect funds. The stated account is not my account and I would the inaccurate information deleted from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: CA

Complaint narrative:
I have know knowledge about this account. When I asked XXXX XXXX about proof showing this account belongs to me, it was never given. He was very rude and unprofessional. I am a victim of identity theft. I never had or use this service or know anything about it. This is negatively affecting my credit score I want this fraudulent account removed from my credit file immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
pened a XXXX secured credit card account. I was approved and funded the card through an ACH transfer from my bank to XXXX. A card is mailed to me and I am able to activate and use the card. A week/10 days in, I am asked to submit a verification document. 10 days after that, I received an email saying that my account has been closed. I called XXXX to get information regarding the closure. They could provide none other than " business decision. '' I asked about recourse, next steps and why there was no adverse action notice. They had no answers other than " our current policy is not updated '' so we can not provide any information regarding the business decision. Any remaining credit balance will be mailed to me in 4 months. Why was I approved for a card and then denied with no explanation or recourse? In addition, why are they holding on to my money and collecting interest on it based upon their unilateral decision? The phone agent did indicate that I could reapply for a card. It I can reapply for a card though I suspect it would be rejected and further harm my XXXX score. 

In my XXXX complaints, XXXX reviewed my complaint and cited no new information and provided no answers : They provided no adverse action notice and no justification for their decision. They must inform me of where they got their information and how it can be corrected. I received neither of those. When pressed in the XXXX  complaint, XXXX offered no information and subsequently the XXXX complaint was closed without resolution. 

They are violating FCRA as their denial of credit impacts my credit score. I have a right to know why my credit account was closed and how I can correct any errors that led to that bad decision. They do not get to have my money for several weeks while they review and ultimately cancel my credit account. 

As this closure negatively impacted my credit score and any subsequent attempt to reopen an account would further impact my account, they have a responsibility to disclose.

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 2021-05-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
pened a XXXX secured credit card account. I was approved and funded the card through an ACH transfer from my bank to XXXX. A card is mailed to me and I am able to activate and use the card. A week/10 days in, I am asked to submit a verification document. 10 days after that, I received an email saying that my account has been closed. I called XXXX to get information regarding the closure. They could provide none other than " business decision. '' I asked about recourse, next steps and why there was no adverse action notice. They had no answers other than " our current policy is not updated '' so we can not provide any information regarding the business decision. Any remaining credit balance will be mailed to me in 4 months. Why was I approved for a card and then denied with no explanation or recourse? In addition, why are they holding on to my money and collecting interest on it based upon their unilateral decision? The phone agent did indicate that I could reapply for a card. It I can reapply for a card though I suspect it would be rejected and further harm my credit score. 

In my XXXX complaints, XXXX reviewed my complaint and cited no new information and provided no answers : They provided no adverse action notice and no justification for their decision. They must inform me of where they got their information and how it can be corrected. I received neither of those. When pressed in the XXXX  complaint, XXXX offered no information and subsequently the XXXX complaint was closed without resolution. 

They are violating FCRA as their denial of credit impacts my credit score. I have a right to know why my credit account was closed and how I can correct any errors that led to that bad decision. They do not get to have my money for several weeks while they review and ultimately cancel my credit account. 

As this closure negatively impacted my credit score and any subsequent attempt to reopen an account would further impact my account, they have a responsibility to disclose.

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