vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
I am writing to file a formal complaint against Alliant Credit Union for what I believe to be a violation of the Equal Credit Opportunity Act ( ECOA ). 

I applied for a consumer credit plan with Alliant Credit Union. Shortly after, I received an adverse action letter from the institution. The letter cited factors such as debt and accounts but did not provide a substantive reason for denying the credit transaction. According to the ECOA, creditors are required to provide specific reasons for adverse actions, and these reasons must be factors that were genuinely used in their decision-making process.

I believe that the adverse action taken by Alliant Credit Union against my application was not only unjustified but also discriminatory. This action has caused me financial distress and undermines my rights as a consumer under the ECOA.

I request that the CFPB investigate this matter thoroughly to determine whether [ Credit Union 's Name ] has violated the ECOA and, if so, to take appropriate action against the institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: NY

Complaint narrative:
Hi, I have had an account with Wise ( Wise Inc ) for 3 years. They asked me to provide some verification details, so I did, successfully. 

They have still not unlocked my account and my {$2000.00} is being held for now 4 weeks. I am behind on rent because of this and wise are not taking responsibility. 


Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Penn Credit Corp has filed an unpaid debt of {$4900.00} under my name to the 3 main credit reporting agencies, XXXX, XXXX, and XXXX which has had an adverse effect on my credit report. I have disputed this debt because they have no supporting records that I owe this debt. In fact they are asking me for documents to accompany my dispute. Since I have no knowledge of this debt since it most likely is past the statute of limitations, I'm filing this complaint with the FTC so I can send this to Penn Credit Corp to accompany my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
received letter saying I owed {$7700.00}. from CBE Group. When I called them they said it was XXXX XXXX. I called XXXX and they could not locate the account number on the letter from the collection agency. After speaking with them on chat I have downloaded a fraud claim form off their website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I asked them to remove the unrecognized inquiries but i was ignored.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I asked them to remove the unrecognized inquiries but i was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: VA

Complaint narrative:
Submitted paperwork for PSLF on XX/XX/XXXX - never processed Submitted paperwork for PSLF on XX/XX/XXXX - never processed I can not reach a person due to excessive wait times. I just want to know what the status of my loan is so that I can prepare for repayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was charged by several online companies for products I was attempting to buy, {$2700.00} in total. The products were never delivered and I've never even been given a receipt for my transaction. I've tried several times to search for contact information for the company and could not find anyone to resolve my issue. I then disputed the transactions with my bank who denied ALL of the disputed transactions. They've informed me that I will need to reach out to the company. How can a consumer reach out to a company if no phone number, physical address or XXXX XXXX was provided? On XX/XX/2023 The claims department purposefully entered wrongful dispute formation and on XX/XX/2023 a " Customer Care Specialist '' informed me in order to seek arbitration I would need to contact a lawyer. This is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

The credit bureaus are required by federal law to respond within the statutory time range, but they have yet to do so. If you don't comply with the request, the things in question should be updated right away. Please remove the following.

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 2023-10-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
My Amex gift card doesn't work anywhere online. I have tried XXXX, XXXX, XXXX, XXXX, and I've also trying transferring it to cash. I am having no luck. I have called customer service several times and always get the same answer, " keep trying your card. It is active and has a balance of {$360.00}. '' It will not work. I am so frustrated with them and with this stupid card. What can I do? Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently discovered 2 accounts reported on my credit report from a creditor XXXX that I have no Knowledge of. One opened XX/XX/XXXX for the amount of XXXX Another opened on XX/XX/XXXX XXXX Ive never had accounts with this company and Have tried to reach out several times to have this information 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 2023-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
Recently, a student loan has appeared on my credit report that does not belong to me. My student has been paid in full for over 15 years. 

I have tried repeatedly to dispute this with documentation showing it is paid if full, but all I get back is " verified '' or " accurate '', when it clearly is not. 

I have been XXXX from a XXXX XXXX since XXXX  and I rely on my good credit so that I can survive day to day with my limited XXXX. I am tired of having false information on my report and struggling to get anyone to listen to me that this is not mine as my in paid in full. 

I don't know how much more documentation I can provide that shows it is paid, or of my XXXX, but it is like no one is actually reading my complaints and believe some company that is in direct violation of the fair credit reporting act. 

The only thing I have not done at this point, because I can not afford it due to the XXXX is to file a lawsuit against these companies that want to prey on the weak and innocent. 

I am attaching my documents again in hopes that they will be taken seriously and they will stop reporting information that is just plain FALSE.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions santander consumer

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I was informed that there is a charged off account on my Chex systems for XXXX XXXX  from XXXX XXXX. In XXXX  I filed ( XXXX  XXXX ) bankruptcy and shortly after this was discharged they submitted a claim it was charged off. My bankruptcy was finalized in XXXX. I have contact XXXX  to make sure this was updated on my credit reports and they removed it. However it is still showing on my check systems. Please remove this.

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 2023-10-16 00:00:00
Product: Credit reporting 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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-16 00:00:00
Product: Credit reporting 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-16 00:00:00
Product: Credit reporting 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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: LA

Complaint narrative:
It's appears that Nelnet is reporting 29 accounts student loan on my credit report which complete the monitor after 3 years of discharge with {$0.00} balance. I contacted Nelnet about this matter and stills no response. I planned to resume a legal aide lawyer in this matter if it's not resolved or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX hard inquiries was pulled on my credit from Truist XXXX XXXX without my permission

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 2023-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
Recently, a student loan has appeared on my credit report that does not belong to me. My student has been paid in full for over 15 years. I have tried repeatedly to dispute this with documentation showing it is paid if full, but all I get back is " verified '' or " accurate '', when it clearly is not. I have been XXXX from a XXXX XXXX since XXXX  and I rely on my good credit so that I can survive day to day with my limited XXXX. I am tired of having false information on my report and struggling to get anyone to listen to me that this is not mine as my in paid in full. I don't know how much more documentation I can provide that shows it is paid, or of my XXXX, but it is like no one is actually reading my complaints and believe some company that is in direct violation of the fair credit reporting act. The only thing I have not done at this point, because I can not afford it due to the XXXX is to file a lawsuit against these companies that want to prey on the weak and innocent. I am attaching my documents again in hopes that they will be taken seriously and they will stop reporting information that is just plain FALSE.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These accounts have been reported late when it has never been late and the accounts are all closed. These are also closed accounts thag have all been settled. This incorrect information it is affecting my credit score. This INCORRECT late payment, and account information needs to be removed immediately per the FCA reporting laws stating correct reporting is mandatory. These are the incorrectly reported accounts. 

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX, Ally Financial XXXX XXXXXXXX XXXX XXXX pulled hard inquiries on my Credit File without my consent.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX XXXX, Westlake ServiceINC, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX pulled hard inquiries on my Credit File without my consent.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: NV

Complaint narrative:
I was online looking at cars in I never gave anyone permission to run my credit

Company response to consumer: Closed with explanation