vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-06 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: NEW CITY FUNDING CORP.
State: MA

Complaint narrative:
Im writing because I noticed that my most recent credit report contains New City Funding Corp as a Paid Charge off Collection. I was in a rear end front end collision and the vehicle was totaled out and was unaware I was still obligated to continue to pay the car off in full. I thought that was up to the insurance company. I want you to know that I understand my financial obligations, so I paid it off in full in 2018. I would have an excellent repayment record. 
I am planning to apply for a Mortgage Loan, and it has come to my attention that the missed payments, and charge off status on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to delete the account from my Credit report. Thank you for your consideration, and I hope you will approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: NC

Complaint narrative:
Experian never notified me of the outcome of an investigation into an account/credit card and refuses to correct inaccurate information on my account listed as XXXX XXXX XXXX. On my credit report it is listed as a closed/charged off credit card account opened in XXXX with {$15.00} written off. I have disputed this twice with experian. Neither time did Experian notify me of the outcome or share information. On my credit report the phone number for the company listed as XXXX is not a working phone number. 
My report shows that Experian " Completed Investigation of FCRA dispute on XX/XX/XXXX but no results or information has been shared and this has not been corrected or removed. In addition, this is listed as a " joint account. '' Also on my report, a " reinvestigation info '' section reads that the items were " updated from our processing of dispute in XX/XX/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 2021-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
I made a complaint against Capital Accounts on XX/XX/2021. My complaint number is XXXX, which they received the same day. In a blatant act of retaliation to my complaint and my dispute they manipulated my credit score by first adding an increase of XXXX XXXX on the debt owed and then on XX/XX/2021 decreasing the debt amount by XXXX XXXX in an attempt to make it look like I have accepted the debt and began paying on it, which resulted in my credit score dropping immediately. As I said in my original complaint they are clearly in violation of The Fair Debt Reporting Act. As stated in previous complaint I have sent them a validation letter, it has been thirty days and I still haven't received validation. I am becoming emotionally distressed with the tactics that this company is using against me, while trying to collect a fraudulent debt that is impossible for me to owe thus the reason why they can't not validate it. My next step is to let my lawyer handle this matter because it's just becoming too much for me and is mentally draining.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX never notified me of the outcome of an investigation into an account/credit card and refuses to correct inaccurate information on my account listed as WF Bank NA. On my credit report it is listed as a closed/charged off credit card account opened in XXXX with {$15.00} written off. I have disputed this twice with XXXX. Neither time did XXXX notify me of the outcome or share information. On my credit report the phone number for the company listed as XXXX is not a working phone number. 
My report shows that XXXX " Completed Investigation of FCRA dispute on XX/XX/XXXX but no results or information has been shared and this has not been corrected or removed. In addition, this is listed as a " joint account. '' Also on my report, a " reinvestigation info '' section reads that the items were " updated from our processing of dispute in XX/XX/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 2021-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IN

Complaint narrative:
I have been contacted by a company " True Accord '' by EMAIL to attempt to collect an alleged debt that I have no knowledge of. I have never given this company permission to contact me Especially by email. This company is in violation of 15 U.S. Code 1692 ( a ) and 1690 U.S. Code1692 ( b ) ( 2 ) ( 3 ) ( 5 ). This company can not legally state that I owe a debt, especially one I have no knowledge of. I will be attaching the email, dates and how many communications I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
I made a complaint against Capital Accounts on XX/XX/2021. My complaint number is XXXX, which they received the same day. In a blatant act of retaliation to my complaint and my dispute they manipulated my credit score by first adding an increase of XXXX  dollars on the debt owed and then on XX/XX/2021 decreasing the debt amount by XXXX  dollars in an attempt to make it look like I have accepted the debt and began paying on it, which resulted in my credit score dropping immediately. As I said in my original complaint they are clearly in violation of The Fair Debt Reporting Act. As stated in previous complaint I have sent them a validation letter, it has been thirty days and I still haven't received validation. I am becoming emotionally distressed with the tactics that this company is using against me, while trying to collect a fraudulent debt that is impossible for me to owe thus the reason why they can't not validate it. My next step is to let my lawyer handle this matter because it's just becoming too much for me and is mentally draining.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: Nelnet, Inc.
State: MI

Complaint narrative:
My credit rating just took a 100-point drop as of today. It had gone up as of yesterday when I got caught up on my loan. It shows that the balance of my loan has gone up. I am on an income-based repayment plan because I was laid off last year due to COVID and had to take another one that paid over {$10000.00} less. How can my credit rating go down that much overnight when I just got caught up on my loans? Is the payment even being applied correctly? Such a low credit score can severely impact a lot of other things. All they should be reporting is that Im paying on this loan and I am paying on time. Nelnets business practices and credit reporting processes must be investigated. This is happening to way too many people and I believe there is something highly unethical going on here. I think the company may be resorting to shady reporting tactics to try and squeeze more money out of people paying on their student loans, especially since the freeze on interest and payments has been extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company BK OF AMERmaccount number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
EXPERIAN is not correcting a dispute with XXXX. 
I can not get through to EXPERIAN on either its web site or by telephone. 

I terminated services with XXXX several years ago. 
I owed a balance of {$200.00}. I began paying XXXX {$10.00} per month. 
I confirmed with XXXX customer service and its financial departments that this plan to pay {$10.00} per moth was acceptable. 

I initiated Internet services with XXXX. A person in finance at XXXX told me I could not begin Inter net services until by balance was paid. I was told I had a balance of approximately {$45.00} dollars. 

I had tried to call the supposed collection agency that XXXX had referred ny account to and learned that they did not accept money for account balances and it appears to be a ghost or shadow XXXX operation that did nothing more than provide a means for XXXX to refer accounts so they could say amounts due were referred to a collection agency. 

I paid the {$45.00} and I am now an Internet customer of XXXX. Now EXPERIAN has impacted my FICO score by over 100 points downward. This all appears to be racially motivated and profiling of a XXXX  as well as age discrimination on the part of XXXX and EXPERIAN combined.

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 2021-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Services, Inc.
State: TN

Complaint narrative:
I noticed that Collection Management Services of XXXX XXXX, TN had reported negative information on my report without my consent ( violation of 15 USC 1681b ( a ) ( 2 ) and 15 USC 1692j ( A ) ). I began to make payments in order to satisfy the balance and clear my name and credit. My goal is to buy a home ; so it was important that I took care of the matter. I received an letter from them dated XX/XX/2021. The letter was sent for an organization in all caps and not to me the consumer. I seen that it was not my debt and I decided to request validation on XX/XX/2021. They did not give me any proof of agreement or contract that I had with Collection Management Services and they sent another letter requesting payment on XX/XX/2021. Under 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ), I sent a cease and desist on XX/XX/2021. As of today, Collection Management Services are still reporting to XXXX, XXXX, and XXXX  which is a violation to 15 USC 1692j ( A ) and 15 USC 1692c ( c ). Under my rights as the consumer, I demand them to be deleted immediately for they do not have the right, contract, nor agreement to do. The company logo and language on the two letters is a violation of 15 USC 1692b ( 5 ). As the letter continued, they stated it was an attempt to collect which is a violation of 15 USC 1692b ( 2 ) on both letters. As the consumer, I'm seeking remedy under 15 USC 1692k ( a ) ( 1 ) ( 2 ) for each FDCPA violation. As a debt collection agency, Collection Management Services take an oath to abide by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: FL

Complaint narrative:
In Early XXXX I contacted XXXX asking for credit line increase with my account ending in XXXX. It was denied. A credit bureau submitted information that was not mine. Ive never filed bankruptcy, have not used a delinquent account, once I paid a credit card and put the wrong bank account number in and that made the payment late. I pay all my credit card balances off each month! I have never been in a payment program. I have a credit rating of XXXX. 
This incorrect information needs to be removed from any reporting on XXXX Or XXXX XXXX XXXX immediately. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Fl. XXXX, SS # XXXX. Birthday XX/XX/1941

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 2021-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To Whom it May Concern : Transunion did not verify Late payments on The XXXX Accounts listed on my consumer credit report in XXXX, XXXX and XXXX. These accounts were in Deferment and NEVER Late for the dates Transunion is reporting as Late payments. When I disputed this in XX/XX/XXXX, I received notice from Transunion that all XXXX accounts were UPDATED but they still show late payments on my my consumer credit report. Transunion continues reporting false information. I reported this to them over 45 days ago. They have violated FCRA Regulations. Please help.

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 2021-06-06 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I noticed and the beginning of the year of some unusual activity on my credit report my email was on the dark web and this company keep showing up first as XXXX  got it deleted then it shows up as Wafefield & Associate and got it deleted so I put a freeze on my credit and put a fraud alert as well but for some reason this company keeps coming back on my report and I keep loosing all these points please help and advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I downloaded the Experian app about a year ago to get advice on raising my credit. Using the steps on this Experian app and paying off debt and current with others, this app now says that I have a FICO score of XXXX. When I went to a local dealership to purchase a car, I was told that my FICO score was XXXX. I have never been so humiliated in my life. When I spoke to a Customer Service Rep at Experian, he tried to explain it as a " metrics '' issue. What type of " metrics '' cause lenders to have FICO scores with XXXX point difference from what potential customers are seeing from Experian? Now I have inquires in my credit all based on a product that obviously is a scam. Any help with this issue would be greatly appreciated. You can contact me XXXX. Thank you for your time, and I hope to hear from you soon.

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 2021-06-06 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company Capital One account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2700.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXXmaccount number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company DISCOVERBANK account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2700.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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 — Investigation took more than 30 days
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company CAVALRY PORT ( Original Creditor : 08 XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2600.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
In XXXX this debt was reported by the company itself the debt was disputed and removed from all credit bureaus by the company because the debt didnt belong to me. In XXXX of XXXX the debt was sold to a third party, which is who my complaint is about. They are now reporting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
Hello I called them to inform them that there are multiple inquiries that I do or recognize and they refuse to remove them without a police report and a complaint through you all.

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