vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Today XX/XX/ I received a TransUnion letter that showed its continuous persistence to violate my rights asserted under the FCRA and other applicable laws ( attached file of my personal information within TransUnion shows unauthorized and never existed before account with XXXX XXXX under description # XXXX****. I disputed this account and Transunion just wanted to retaliate too against me in this directed blacklisting and retaliation from Some corporates of scam and fraud their end is soon and they will dissolve ). 


- - - I repeatedly proved with evidence that the only XXXX XXXX credit account that I had had the following description as shown in my attached Transunion Credit report of XX/XX/ ( I also attached the exact page 27/35 of the credit report where information of the account located ) : # XXXX**** which Ive kept paying for its balance until this month I paid off ( see attached copies of payment checks ) and it was already closed by XXXX XXXX on XX/XX/ according to XXXX XXXX itself and it is a different long detailed story of retaliation. I also attached my last check payments via Bill-pay service from my bank. The payments were all for account # XXXX****. 

- ______________ Conclusion : Account # XXXX**** is missing from my credit report. 
Unauthorized account # XXXX**** is forced against my will on my Transunion file and by Transunion that knows now and before the above facts with undeniable proofs. 


Demand : 1-delete immediately the unauthorized account XXXX**** and its information because it is not correct it is inaccurate. 
_________________ 2-fix and put back the correct account information for my account # XXXX**** - - It is that very simple and easy fix if I do not see my Transunion credit report fixed and corrected by Transunion from the errors and/or inaccurate information referenced and detailed above and as soon as possible. Then Transunion decided to dishonor the law and has no respect to the role of the CFPB in this process now. 

XXXX All stated herein is to my current states belief, knowledge and understanding and it is all subject to any correction or any thing and only by my person or my representative and at any time and Without waiving my rights. 


Thank you, 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 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I applied for new Internet and Cable service today. Surprisingly, I was denied. I was so confused when the representative told me it was because of bad credit. When I had my credit pulled I saw things on my report that l knew nothing about. I was advised to call the police and I did, also contacted the FTC. Please delete all these items as they are not mine. 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 explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
I went to apply for a mortgage and there was a collection account reporting on my XXXX  credit report. I have never heard of the collection before, I never received any written notification before it reported on my credit, it just reported. This is not legal. 

When I reached out to the collector, they claimed it was for a medical bill that was unpaid, but I have 100 % coverage on my insurance, so it was either already paid or it was a billing error from the original creditor. 

The collector told me if I paid it, they would remove it from my credit, so I paid them. It's been XXXX months and the account is still reporting on my credit and increased my mortgage payment by {$350.00} per month. I've experienced actual damages from this company breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I applied for new XXXX and XXXX service today. Surprisingly, I was denied. I was so confused when the representative told me it was because of bad credit. When I had my credit pulled I saw things on my report that l knew nothing about. I was advised to call the police and I did, also contacted the FTC. Please delete all these items as they are not mine. 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
Consumer complaint received 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I applied for new Internet and Cable service today. Surprisingly, I was denied. I was so confused when the representative told me it was because of bad credit. When I had my credit pulled I saw things on my report that l knew nothing about. I was advised to call the police and I did, also contacted the FTC. Please delete all these items as they are not mine. 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 non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery Associates, LLC is continuously and repeatedly calling trying to collect an alleged 7-8 year old debt that has long been disputed and removed by all credit bureaus. I have asked the company to stop calling numerous times. 

Dates of recent phone calls : XX/XX/2019 XX/XX/2019 and numerous times before that. 

The company uses a different generic phone number to call so blocking them is useless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
Thiscomplaintsubmission is in regards to a false credit report by ENHANCED RECOVERY COMPANY ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with two different representatives who were extremely rude and stated I am responsible for this debt then hung up the phone. I then spoke with another representative who gave me their company email number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through a response by an ERC representative that they had received the files ; however, after 30 days of notifying them, still no response. ENHANCED RECOVERY COMPANY ( ERC ) then removed themselves from my credit report. After a month went by, ERC then reported again to the 3 Credit Bureaus and also violated our CEASE & DECIST agreement. At this point in time ENHANCED RECOVERY COMPANY ( ERC ) has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$390.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting ENHANCED RECOVERY COMPANY ( ERC ) immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX  ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. ENHANCED RECOVERY COMPANY ( ERC ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TN

Complaint narrative:
I have an Experian Credit membership # XXXXDuring 2019 I have substantially paid down my debt to the point my FICO went from XXXX to XXXX on my XX/XX/2019. Suddenly, even though my credit situation improved on XX/XX/2019 my FICO dropped 14 points, experian sent me 2 email alerting me my score drpped from XXXX to XXXX. I called for two ( 2 ) days the customer service required my SSN and as soon as I entered my SSN the call would drop. I called Corporate they hung up on me or sent me to customer service who would hang up. I explained I want to dispute a drop in my FICO but I have to know why it dropped the credit report still says excellent. Experian Credit reporting said 'we do not know why your FICO dropped it ' there is nothing we can do. This membership and this business 'RUINS ' a persons credit without any explanation. I want them to explain why they dropped the FICO ; I want a dispute process when the only dispute is randoming dumping FICO scores of people. This is not accurate to drop a FICO when debt is paid on time and there has been no change in financial situation. I move a lot for my job this makes it difficult to negotiate new apartments. I

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 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Today XX/XX/XXXX I received a TransUnion letter that showed its continuous persistence to violate my rights asserted under the FCRA and other applicable laws ( attached file of my personal information within TransUnion shows unauthorized and never existed before account with XXXX XXXX under description # XXXX. I disputed this account and Transunion just wanted to retaliate too against me in this directed blacklisting and retaliation from Some corporates of scam and fraud their end is soon and they will dissolve ). 


- - - I repeatedly proved with evidence that the only XXXX XXXX credit account that I had had the following description as shown in my attached Transunion Credit report of XX/XX/XXXX ( I also attached the exact page 27/35 of the credit report where information of the account located ) : # XXXX which Ive kept paying for its balance until this month I paid off ( see attached copies of payment checks ) and it was already closed by XXXX XXXX on XX/XX/XXXX according to XXXX XXXX itself and it is a different long detailed story of retaliation. I also attached my last check payments via Bill-pay service from my bank. The payments were all for account # XXXX. 

- ______________ Conclusion : Account # XXXX is missing from my credit report. 
Unauthorized account # XXXX is forced against my will on my Transunion file and by Transunion that knows now and before the above facts with undeniable proofs. 


Demand : 1-delete immediately the unauthorized account XXXX and its information because it is not correct it is inaccurate. 
_________________ 2-fix and put back the correct account information for my account # XXXX - - It is that very simple and easy fix if I do not see my Transunion credit report fixed and corrected by Transunion from the errors and/or inaccurate information referenced and detailed above and as soon as possible. Then Transunion decided to dishonor the law and has no respect to the role of the CFPB in this process now. 

__________ All stated herein is to my current states belief, knowledge and understanding and it is all subject to any correction or any thing and only by my person or my representative and at any time and Without waiving my rights. 


Thank you, 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 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
In the end of XX/XX/XXXX I noticed IC System showed up on my XXXX XXXX Credit Score under XXXX. At that time, I reached out to IC System to inquire about nature of debt. I was informed that the debt is from an XXXX  XXXX line between the years of XX/XX/XXXX and XX/XX/XXXX. I communicated to the representative that I am unaware of services I received from XXXX during that time period. I was told to reach out to XXXX for confirmation. Upon reaching out to XXXX  I was told that they no longer have any information on accounts and to contact IC System. 

On XX/XX/XXXX, IC System offered to reduce amount by 50 % to {$110.00}. I reiterated that I still have no knowledge of the account but I wanted to resolve this credit issue and was becoming increasing frustrated and exhausted from length of call without resolution. Out of pure exhaustion and frustration I attempted to pay the amount to get all of this behind me, even though I was still unaware of origin of debt and debt collector reported not having the information. 

This led to several more hours of attempting payments online and being directed to bank payment sites at the instruction of representative. Outcome of this multiple hour call was a confirmation number from site suggested to go to for payment. I was told I would receive an email to confirm. 

Weeks later, I still had not received email or confirmation and called back. Representative informed me no payment had been made even though they had a confirmation number they referenced in account. I was informed that I paid XXXX   directly and I shouldn't have. I informed IC System I only followed their laborious and confusing instruction. 

After call ended I checked bank statements to see if payment had been made or not. Charge did not leave my banking account. 

I feel duped and not even sure this is a legitimate debt collection agency and I am unwilling to pay or settle for a debt I am not aware of and collector can not provide information on. 

Feeling extremely frustrated and hoping submitting this complaint will provide some resolution and/or shine a light on a fraudulent or incompetent debt collection agency.

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 2019-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
years ago I foolishly took out a small online loan with XXXX. I repaid in full butt they insisted I owed them more money. I filed bankruptcy and was discharged in XX/XX/XXXXso this should be a none-issue. AMS debt collectors has threatened me by phone three times  today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
XXXX XXXX sold my load to Rushmore Loan Management Services ( RushmoreLM ). 

RushmoreLM is not suited to handle a 'negative amortization ' loan. Online and statement by mail only give the option to pay the minimum amount plus insurance. 

They see my loan as a standard ARM and at the same time tell me they understand a negative amortization loan. 

Since taking over the loan ( 4 or 5 months ago ) I have to call every month to make my payment. I never speak with the same rep so I have explain my loan so they take the right payment. This takes time as they put me on hold to read the mounting notes of the previous months. They go through the same series of solutions that I go through every month that never fix the issue. 

Since being forcibly moved into this company it has taken me 30 to 45 minutes to make a payment. It used to be 30 seconds online at XXXX XXXX. 

All I am being told is that they are working on it. My relationship due to my frustration is not going very well with this company. 

I understand my loan can be transferred and what I do not understand is how it can transferred to a company not suited to handle this type of loan? 

What recourse does a consumer have in this type of indecent?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I started receiving calls and voicemails from local and XXXX numbers in early XXXX 2019 about a debt in the amount of {$130.00} from XXXX. I never acknowledged the debt because as of today, I've yet to receive a debt notice, a letter of debt validation, or anything for that matter, ever. Suddenly on XX/XX/2019 upon checking my credit score as I normally do weekly, I noticed that the debt had been added to my credit report, negatively impacting my perfect score ( and making me angry might I add ). I specifically use XXXX and XXXX XXXX. XXXX XXXX lists the debt being added on XX/XX/2019 for {$130.00} by Radius Global Solutions. XXXX XXXX also lists an address for them located in XXXX, Florida. I was originally going to contact the company myself by mailing a dispute letter. However, the " Corporate Headquarters '' address listed on their site https : //www.radiusgs.com/contact-radius/ is someone's residential address. The other addresses listed are also false, some listed in other countries. Both XXXX XXXX and Radius Global Solutions 's site list the same address for XXXX, FL, but the suite numbers are different. Then, after attempting to verify their license credibility on XXXX XXXX XXXX and XXXX ( Florida Office of Financial Regulation ) , this collection agency has a license in Florida, but their " mailing address '' on XXXX is the address for the XXXX XXXX XXXX XXXX XXXX XXXX in Louisiana, a 4.5 star hotel. This company has several completely different numbers. I believe it's safe to say this collection agency deserves an investigation. I have attached some screenshots below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I've tried to work with US Bank Mortgage Company multiple times over multiple years to have the PMI on my mortgage loan removed. Most recently in XXXX of this year. I faxed another letter explaining how I've met the criteria for removal of PMI some years ago. Yet, they keep sending me letters denying that I have met the criteria. Every letter states that the LTV ratio must be 78 % of the original value and you must have good payment history. Both criteria has been met for over 4 years. I've never had a late payment and my LTV ratio is where it should be as well.

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 2019-09-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XXXX 2019 I became aware that an account was opened under my name based on doing a credit report. On XXXX XXXX 2019 I called the company Nordstrom in regards to this issue and the representative informed me that I needed to write a letter in my handwriting stating that I did not opened the account and how I became aware of it and to also include a copy of my drivers license. On XXXX,2019 I sent the letter. On XXXX XXXX,2019 I finally received a response stating that they " determined that the information provided does not support your claim of fraud '' and that it would 'continue ti report the credit bureaus. I do not understand how they do not consider it fraud. I have lived at this home address for more than 15 years. I know for a fact who ever made the account did not put my current address because I never received a bill or the actual card. Whoever address they have on file is the first step to get in contact who stole my identity. Nordstrom response made me feel like i am the criminal when in fact I am a victim of identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had a U.S. Bank XXXX Visa Final XXXX account that was included in Chapter XXXX bankruptcy, the bankruptcy proceedings started in XX/XX/ 2019, and the debts were discharged in XX/XX/2019 by the Honorary Judge. However, I keep {$400.00} in funds that I can't withdraw at all. In consultation with the court, the {$400.00} is not due to the US bank because the debit has been discharged, so it is no longer for collection, payment or liquidation, since the bankruptcy  process is fully closed today, however exhausted me means of dialogue with the bank.

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