vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 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:
To whom it may concern : I went onto XXXX  the other day, : & found a collection account with XXXX XXXX XXXX XXXX XXXX. 

I have had no business with this vendor in all my years ; and I shared this fact with the gentleman at Enhanced Recovery Collection : I have had no correspondence from XXXX  XXXX XXXX XXXX, nor have I heard of this collection agency According to ERC/ collection agency this is an account dating back to XXXX Again, if this account is owed by someone. It is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have had my credit pulled this month and I recently found out I am a victim of fraud. I have a few issues going on concerning the accuracy of my name and addresses. 
My name is spelled XXXX XXXX XXXX my DOB XXXX my SS # XXXX please remove any other spelling of my name. 
The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, OH XXXX Please delete the following numbers they are not mine:XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have some unverified accounts that do not belong to me please delete : XXXX XXXX # XXXX, XXXX XXXX # XXXX, Please delete this account account it is fraudulent I do not owe 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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a dispute to Transunion regarding a Public Record ( Bankruptcy ) on my credit report via their online dispute mechanism on XX/XX/XXXX. The dispute is in reference to the following item : I am disputing the following item on my credit report. Specifically I asked Transunion to verify this information and show me how they had verified this information. 

XXXX XXXX NEW JERSEY DOCKET # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CH XXXX BANKRUPTCY DISMISSED/CLOSED Responsibility : Individual Debt Court Type : US Bankruptcy Court Plaintiff Attorney : XXXX XXXX XXXX Transunion closed my dispute one day  later on XX/XX/XXXX saying they had verified the information. 

Report Created On : XX/XX/XXXX File Identification Number : XXXX INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

XXXX XXXX NEW JERSEY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX No information was provided as to how they verified the information. 
I contacted the court in question and they informed me that they do not respond to verification requests by credit bureaus. Furthermore, the court was closed on XX/XX/XXXX as it was a public holiday ( XXXX XXXX ). 

There is no way that this information was correctly verified.

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested my credit freeze be lifted on XXXX in order to allow me to apply for financing for a large purchase. Myself nor the lender have been able to pull my TransUnion score up to this date. The lender is receiving a response from TransUnion indicating that the account is frozen. The lender only uses TransUnion so i have been unable complete the transaction. I am about to lose out on the opportunity to take advantage of a promotional interest rate that expires in 5 days. TransUnion 's website says there is an error when trying to lift the freeze and gives no option to resolve the issue other than calling a customer service number. I have called this number several times. The department that initially answers the call is unable to assist and attempts to escalate to another department. I have never been able to actually speak with this second department despite waiting on hold over an hour in some cases.

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 2020-05-26 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: AL

Complaint narrative:
XXXX XXXX XXXX for XXXX XXXX Apartments. I lived in XXXX XXXX XXXX. I was evicted. To this day I cant tell you why. The attorney representing XXXX XXXX claims XXXX XXXX sent me a letter dated XX/XX/XXXX advising that eviction had been failed because I failed to recertify. The court documents detail the reason for eviction was unlawful detainer with {$0.00} money owed. 
In XXXX of XXXX, I told XXXX XXXX ( XXXX XXXX staff member ) that my fianc was moving to XXXX and we would probably be looking for a house. She explained the month to month clause built into the lease. She asked me to give her a 30 day notice if I was going to move out and I agreed. My then fianc moved to XXXX, AL with his XXXX XXXX XXXX son XX/XX/XXXX. I came home one day in XXXX of XXXX and the letter dated XXXX XXXX, XXXX was on the door. I went to the office to find out what was going on. It turns out per XXXX " There was miscommunication and power struggle '' going on between XXXX XXXX management and I got caught in the middle. XXXX referred me to XXXX because the issue was " above her pay grade ''. XXXX told me to disregard the notice and gave me an updated lease to take to the school to enroll my step-son. I took the lease to XXXX XXXX XXXX and enrolled my son. Shortly after that, I received an actual eviction notice. I responded to the complaint. I did not understand because I was a model tenant. I was quiet. I did not owe any money. After receiving the eviction notice, I still paid my rent but the attorney representing XXXX XXXX sent it back to me. 
The attached eviction complaint says that I was evicted because the lease expired. The statement of claim say I owe {$0.00}. In XXXX of XXXX, XXXX XXXX XXXX sent my money order back claiming my lease has expired. XXXX XXXX XXXX, XXXX ruled on XX/XX/XXXX that if I moved by XX/XX/XXXX I would not have to pay anything. I rented a XXXX XX/XX/XXXX. I placed the key in the drop box XX/XX/XXXX. I did everything I was asked to do and they reported {$2100.00} to the credit bureau without notice ; or an explanation. I have disputed this false reporting through Equifax, XXXX, and XXXX. I provided the supporting documentation and they did not conduct an investigation. As a matter of fact, the Equifax rep deigned receiving the supporting documentation until I provided a tracking #. The corporate office of XXXX XXXX can't tell me why the {$2100.00} is being reported because XXXX XXXX has a whole new staff. The apartment was left clean. I paid XXXX the cleaning lady to clean and take pictures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: MO

Complaint narrative:
I have the XXXX XXXXXXXX XXXX to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$280.00} XXXX XXXXXXXX {$26.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$230.00} XXXX XXXXXXXX {$430.00} XXXX XXXX XXXX XXXXXXXX {$95.00} US DEP ED XXXX {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
COLLECTION AGENCIES DEMAND PAYMENT ON ACCOUNTS OUTDATED PAST STATE OF CALIFORNIA STATUE OF LIMITATION 4YRS OPEN ENDED/ CREDIT CARD ACCOUNTS ... SINCE XXXX XXXX, 2015 OVER 5YRS OLD AND NOT MY ACCOUNTS/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX XXXX, RESURGENT CAPITAL SERVICES/ XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

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 2020-05-26 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

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 2020-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX XXXX from Transworld collection agency and he was rude and would not allow me to speak or ask questions. He specifically stated in my first call with him if youre not calling to pay, then you dont need to be calling. I called to make an arrangement to pay a SIF of {$5300.00} and I called on XX/XX/XXXX to advise that my check may not be available to pay the full settlement on this Friday due to my withdrawal n to pay this being a check that is in the mail. I do not have control over when I will receive this check in the mail. I then spoke with XXXX and asked that he reach out to the lender for an extension because I have every intention to pay the settlement of {$5300.00} when my check comes in that I have taken out to pay this loan off. This company acts as if they can not work with the consumer and makes speaking with them and paying this debt very hard. It feels like I am dealing with the mafia and they are making this process difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX my FHA loan was transferredfrom XXXX XXXX  to New Rez because XXXX financial filedfor bankruptcy. 
on XX/XX/XXXX I received an " Escrow analysis '' from New Rez that stated a 1/6th balance cushionwas required for my escrow account. I have never had this requirementbefore for myescrow account with any of my previous " holders/lenders '' of my FHA loan.I called New Rez several times between XX/XX/XXXX and XX/XX/XXXX attempting to get the 1/6th. cushion requirementremoved from my escrow account because per my originalnote a " 1/6th '' cushion is not required and also because per my " welcome letter '' None of my mortgage terms are to change, the only difference is the company I send my payments to. 
I have had my FHA mortgage loan since XX/XX/XXXX and since my mortgage has been transferredto 3 different lenders and never have I had this issuebefore.On XX/XX/XXXX I decided to make yet another call and speak to a supervisor considering that any other time I had talked to a customer service representative my questions were not being answered in a consistentmanner. I spoke with a manager by the name of XXXX XXXX who opened a case for me and said it had a completion date of XX/XX/XXXX. When I called on the XXXX. for the resolution of the case they stated they were still working on it. Today, XX/XX/XXXX when I called I was told by another representative that the case is still open because the original request was not to remove the 1/6th cushionbut to rather close my escrow account. I have not made a payment to my mortgage for the month of XXXX because I can not afford my new mortgage account because of the XXXX cushion. I am under the impression that because my loan was transferred to New Rez from XXXX and the welcome letter states that nothing will change in regards to theterms of the loan and also because the 1/6th cushion was not a part of my original FHA mortgage note, that what they are doing is not legal, and thus, I am reaching out to you for your guidance and help in regards to a resolution so that I won't lose my home. 

I also am concerned in regards to the legitimacy of this company. All of my correspondence say " New Rez '' but when I call they state their name is Shell Point Servicing and New Rez is a  subsidiary of Shell Point Servicing. I just want to make sure my previous payments made are to a legitimate company.

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 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
RASH CURTIS AND ASSOCIATES XXXX {$750.00} IS STILL REPORTING A COLLECTION ON MY CREDIT REPORT .... A COUPLE OF MONTHS AGO, CALLED AND REACHED A SETTLEMENT ON SEVERAL AND ALL ACCOUNTS THEY HAD IN MY NAME. SETTLEMENT LETTER CAME IN SHOWING ONLY ONE ACT NUMBER, WAS TOLD NOT TO WORRY BY RASH CURTIS THAT IT INCLUDED FULL BALANCE DUE TO THEM AND SETTLEMENT WAS FOR ALL ACCOUNTS AND IT WOULD BE PROCESSED CORRECTLY, ONLY TO FIND OUT THEY LIED AND NOW TRYING TO SAY THERE IS ANOTHER ACCOUNT I OWED ON.. THIS IS REDICULOUS, AND THIS IS FOR THE MEDICAL FEES AND SERVICES I INCURRED BACK IN 2010 HOW CAN THEY STILL REPORT THIS ON CONSUMER CREDIT .... THIS IS LIEYING AND CHEATING BY RASH CURTIS AND ASSOCIATES ... NOW I RECEIVED A NOTICE FROM XXXX   THAT THEY REPORTED 5 NEW COLLECTIONS ON MY REPROT ... FURTHER INVESTIGATION OF THESE AND CONTACTING THE ORIGINAL CREDITOR PROVED VIOLATION.. RASH CURTIS IS GUILTY OF CHANGING ACCOUNT NUMBERS, AMOUNTS AND DATE OF DEFAULT DATES WHICH ALLOWS THEM TO REPORT SAME COLLECTION SEVERAL TIMES UNDER DIFFERENT NUMBERS ... THIS IS ILLEGAL AND AUTHORITIES ARE BEING ALLERTED BY CONSUMERS TO TAKE ACTION FOR PREDATORY COLLECTORS SUCH AS RASH CURTIS AND ASSOCIATES ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX Re : Notice for Proof of Claim Account : TRANSWORLD SYSTEM INC # XXXXTo Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you ( TRANSWORLD SYSTEM INC ) and XXXX METROPOLITAN HOUSING AUTHORITY that gave you the right to enforce a claim upon my person for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: MO

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$280.00} COLLECTIONS XXXX {$26.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$230.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX  XXXX {$95.00} US DEP ED XXXX {$5000.00}

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 2020-05-26 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: MO

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$280.00} XXXX   XXXX {$26.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$230.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$95.00} XXXX XXXX XXXX XXXX {$5000.00}

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 2020-05-26 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation