vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have had a federal student loan and is being serviced by Nelnet. The loan was discharged through debt relief. I received a notification on XX/XX/23 from credit agency XXXX, stating there is an update on my report. I review my credit report and noticed the student loan was closed however there is a negative rating stating loan is 90 days late which my score to decrease and a negative rating in XXXX score. I contacted Nelnet and the rep state they are in the process of updating the information and that was all they can do. I stated that they have ruined my score and they did not help me at all. On XX/XX/23 I received another alert from XXXX credit agency, stating there is an alert on my credit report and when I reviewed the report, it stated there is a 90 day late rating and my score dropped XXXX points as of this incorrect information. I contacted Nelnet and spoke with the supervisor and all she did was make excuses and try to deflect the situation in another direction, asking me to call the reporting agencies and file all sorts of disputes. The supervisor was not helpful and i was very upset and began to argue, she then disconnected the phone call. This is in violation of the fair credit act the Nelnet is liable up to {$1000.00} for every violation. They had damaged my credit report and ruined my credit score. I am in the middle of obtaining a home loan and dealing with financial concerns which require me to have a high credit score and due to this error by Nelnet, I will have big monetary loses due to Nelnet 's fraudulent activity. Nelnet is a fraud servicing company and has been performing this type of actions with my other friends as well. I need to have this corrected immediately. 

Thank you, XXXX XXXX. 
XXXX Nelnet XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: NJ

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Lock account without prior notice and lying to customer!!! 

Following up with previous complaints. 

The bank replied and said on XX/XX/XXXX they will close my account and transfer my money, but didn't receive my call backs on XX/XX/XXXX and XX/XX/XXXX so they can not proceed. However, this is not the truth. 

The bank is lying. I did receive emails regarding calling back to the bank, and I called back. 
On XX/XX/XXXX, someone claimed to be a supervisor refused to close my account and denied the fact that I have requested to change my address in my previous calls. However, on XX/XX/XXXX, I have requested to send XXXX to my new address. I told her I reached an agreement with the bank to close my account on XX/XX/XXXX, and I even agreed to the verbal statements of closing account. But she still rejected the facts. 

XX/XX/XXXX, I called again, a XXXX in fraud department answered my call. XXXX refused to tell me anything regarding my account ( including when will the XXXX be sent out ) and also rejected to look into my issue. I made zero progress in this call too. 

The bank is not resolving my issue as they said!!! I did call back but none of the people answered the phone proceeded to close my account, which is in the contrary to their replies. They are lying. I've attached my records of calling the bank on XX/XX/XXXX and XX/XX/XXXX. 

I'm asking for a {$1000.00} compensation for the total XXXX hours I'm wasting on phone calls, my financial loss, and my mental suffering during the previous two months dealing with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: NJ

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
request, through certified mail, validation of account/debt. to date no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting a debt that XXXX removed a long time ago because creditor was not able to validate debt in the timeframe given. 

The FCRA states debt must be removed if not validated and XXXX did just that. 

Experian is still reporting this collection account on my credit report from the company. 

XXXX Outsourcing balance of {$4700.00} This is a violation of the Fair Credit Reporting Act as Experian must Follow Suit and remove this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: AZ

Complaint narrative:
Hello, I am filling a complain against credit systems international. 
on XX/XX/2020 XXXX XXXX reported to the credit systems collection that I do owe XXXX XXXX {$100.00}, I have been contesting this item for several years as it does not belong to me and should have been removed due to burden of proof. 
this past XXXX weeks I apply for a house mortgage and this effecting getting the loan, finally contact the collection and I told them that this not belong to me because I don't live in Alabama in XXXX and it does not belong to me, they asked me for proof which is I don't have since its not mine and she refused to remove it. 
Its been disputed with XXXX but they say It will take up to 30 days and I don't have this time because I am about to lose our chance to get the house me and my family wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: FC HoldCo LLC
State: VA

Complaint narrative:
FlagShip Account # XXXX Certified Mail Receipt To Flag Ship : XXXX XXXX XXXX XXXX XXXX XXXX As Defined by The IRS Publication 4681 Even if FLAGSHIP CRD didnt receive a Form 1099-C, they must report canceled debt as gross income on their tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income. 

INCOME/TRANSACTIONS/EXPERIENCES DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a alleged " debt '' is inaccurate. The account is being furnished inaccurate and this is prohibited by federal law. 

15 U.S.C. 1681s-2 Says consumer reporting agency as a furnisher of information are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something.

( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; I also mentioned above the Federal Definition of a Consumer Report '' and what it should not include. This inaccurate information is causing actual severe damage to my general reputation, my family, mode of living, and mental health. Also, as you can see in the exclusions, transactions and experiences are not reported on a consumer report, and this is another violation of my rights.

Flagship Credit Acceptance LLC is hereby put on NOTICE that they are furnishing incorrect inaccurate information.

The lender must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity, as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2022 Publication 4681.

This account must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I summited a dispute with XXXX XXXX XXXX company, I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692e ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: CA

Complaint narrative:
XXXX of 2023 my Debit card with Key Bank expired. I called and asked them for a new card. That replacement card never arrived to me, it was stolen, activated, and all of my money was taken fraudulently from my account. Unaware of this, because Key Bank would not give me access to my online banking without the aforementioned stolen card details, I was unable to report fraud. Over the course of XXXX and XXXX, my debit account was completely robbed of $ XXXX while I was not able to stop it, because Key bank would not give me access to my online banking, and their physical branch would only mail me a card. When I finally was able to cancel the card, a new card was sent to a secure address.Then I was finally able to access my online banking, and low and behold all of my money had been stolen. When I filled a dispute, clearly outlining that it was not possible for me to be the person using the card, because I was in Hawaii for all of the transactions that were happening physically in Washington, XXXX at the disputes department told me the investigator had already made their decision, and that they would not allow it to be reopened. The company will not allow me to explain my case over the phone or by email to the person in charge of making the decision, nor will they allow me to submit further information that could help my case. They also will not tell me what documentation to send in that will prove my innocence. Long story short, that have decided guilty until proven innocent, but they wont take my documents to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TN

Complaint narrative:
XXXX XXXX has been paid with a XXXX balance. Transunion is still reporting this debt with a XXXX XXXX balance i have filed XXXX disputes plus sent supporting documentation and they have still not updated this account. the decision not to update my file is affecting my ability to borrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
i have insurance and medicate ( part a ) but hospital never processed second insurance. Also sent certified mail request for validation, no response to date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
Was contacted by Law Offices of Mitchell Bluhm on or around XX/XX/2023 about a debt that I supposedly owed XXXX Physician 's group. I asked they send me a letter to verify this debt was mine. They said I would receive it within a month, I did not receive any documents from them. Offered to pay debt in full if they could tell me the physicians name, they refused and claimed they did not have the information. 
Contacted again, XX/XX/2023 ( today ), I told them that I called XXXX and they said I did not have any debts to their organization and I would not speak with them and they would have to contact my lawyer. There is a chance it it just taking them a longer time to verify, but they are not being cooperative and at this point it seems highly likely like a refusal to verify the debt in a timely manner. 

Collection Agent : Law Offices of Mitchell D Bluhm & Associates XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUSSRQ Holdings, LLC
State: CA

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NC

Complaint narrative:
All my XXXX benefit funds go to the Comerica bank card issued by Direct Express. I lost my card and requested a new card on XX/XX/XXXX. They claim DE issued a replacement card on XX/XX/XXXX, which should have arrived no later that XXXX calendar days from XXXX XXXX. It is XX/XX/2023 and I do not have a card, so I have no money at all. 

I called on XXXX XXXX and asked for help transferring money from Comerica to my local bank, where I recently opened a checking account. I tried using their phone system, but I found it very difficult to navigate to get money transferred. It says on their web site it is easy to transfer funds. I would counter that is almost impossible to do any kind of transaction other than checking your balance with Direct Express by phone or online.

Since Social Security 's website directed me to Direct Express, I was expecting a competent and honest company. That is not what my experience has been. I will be cutting off my use of their services, but I think with all the class action lawsuits against Comerica and Direct Express, it is high time CFPB intervenes and at least warns folks without a credit union or bank account to find another method of receiving funds from federal agencies, especially the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
It's with XXXX. This has gone on for almost 4 years now. I was getting money taken out of my checking account by XXXX. They were not mine. I went to my bank and all the fraudulent ones had weird names through XXXX on them. So my bank and I and XXXX had a 3 way phone call, my bank would tell them the name and the amount of money and everyone of them XXXX would come back a say fraudulent. But I never received any of the money back and my bank told me that since most of them were over 60 days that could not refund my money. I had a heck of a time with XXXX. They turned it over to XXXXXXXX XXXX, who turned it over to Portfolio Recovery Associates , LLC. This whole thing has been a nightmare for me. I lost my husband so I have been dealing with that and dealing with this. I don't understand how someone could just say that you owe them money and they find someone to get it from you and ( Portfolio Recovery ) doesn't even care to look into it to see if it's true or not. They just come after you and they don't care why. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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