vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX : XXXX Dear CFPB officials, I appreciate this opportunity to file a complaint or report. First, I want to congratulate the XXXX XXXX savings account section ; they are very professional and humane individuals. Unfortunately, I can not say the same for the credit card section. A few days ago, I submitted some complaints to XXXX XXXX because I have felt discriminated against in the sense that XXXX XXXX knows that I, XXXX XXXX, have an ITIN number, not a Social Security number. I find that their policies are somewhat discriminatory and only favor wealthy individuals who have Social Security numbers to " purchase '' authorized users, thus using this system to their advantage. Without much credit history, they can immediately boost their scores, allowing them to obtain good limits on personal cards and then very high limits on business cards without even having a business. Many people on social media boast about obtaining phantom credits without having businesses, securing large limits, while those of us who actually have businesses can not access any financing. Tell me, sir from CFPB, if this is not discrimination, what is? This was precisely my complaint : unfair competition. Although I am a person with an ITIN number, I have my business well-structured with an office in Florida and everything in order, yet I am not even considered for my first personal account due to having an ITIN number. Even more concerning, in the letter I will attach, it states that my first card application was rejected because XXXX does not provide or have information about me. This is obvious ; I can not even access my credit score because I have an ITIN number. Furthermore, they claim that my amounts are too low to make a decision, but they do not consider that we have had a relationship through a savings account for XXXX months. I am also just starting in the commercial ecosystem here in the United States, but I am very disappointed with the system and how people are treated, especially those of us who unfortunately have an ITIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC
State: ND

Complaint narrative:
On XX/XX/2022. I purchased 2 money orders from pls check cashiers. Address is ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The money orders number are XXXX and XXXX. Totals are {$2000.00}. They got stole after a week in the mail. I followed the procedure and got all the paperwork done. In the first year. I kept contact the pls as the store told me to. Meanwhile. I also went to the store to follow up couple times. The pls kept told to wait. Until about half year ago. The pls told me. The store didnt submit the affidavit on time. But store said they did twice which I was there when store did that. Now the pls said my case is closed. I need to contact the store. But the store also said the same thing to me. Told me to contact the pls. So now what? Who can help me with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''

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 2024-10-01 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( XXXX ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXXXXXX 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 2024-10-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of XXXX and 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 2024-10-01 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: CA

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
After my last complaint they let me change my login. I wrote it down and it worked. Tried again and it is locked AGAIN.They are so CORRUPT. They allowed companies I never heard of report items XXXX yrs old, they do not recognize new login they had me create and continue to allow access to my info from companies I never heard of.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I opened a business card for my business XXXX XXXX. I closed the account on XX/XX/XXXX because I had to dissolve the business. This card was never reported to my personal account as it was a business card. I attempted to pay but also advised representatives that my financial status had changed and I wanted to set up a payment plan. They advised that since I was not past due... there was nothing they could do. Last week, I received an update from the credit reporting agency noting that my score decreased by XXXX points due to the reporting of this business card on my personal account as 60 days past due. I called XXXX and was advised that " they can do that ''. I was also advised that they closed the account in XX/XX/XXXX which is untrue. I want this card removed from my account as it should not be there in the first place. I want someone to attempt to set up reasonable payment plans with me as I expressed well before it went past due that I needed 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 2024-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Per law, XXXX XXXX XXXX ( c ), if a consumer notifies a debt collector that the consumers refuses to pay a debt the debt collector must cease all communications, this includes debt being reported to credit agencies. I have sent this company a cease and desist and the company has refused adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of XXXX Credit bureaus have all been notified as well and has refused to cease collection reporting for said accounts advised. Please have the company crease all collection activities as this is my final attempt to complain outside of court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX is attempting to collect a debt that is not a valid debt. Genesis Credit Management provided a lease contract in the attempt to validate a final statement provided by XXXX XXXX/ The XXXX. The final statement provided by Genesis Credit Management is not signed and does not have a date associated with " XXXX '' stating when the amount was originally billed as the other line items clearly are shown. In addition, the " final statement '' shows the person named should be paid the amount of the remaining balance. The document clearly states Pay to : XXXX XXXX XXXX. Furthermore, I have provided a rental report provided to the credit bureaus by XXXX XXXX/ The XXXX reporting on XX/XX/year> the account is Closed, paid as agreed with a Zero-dollar {$0.00} balance. Provided the documentation submitted this attempt to collect a debt is not valid and should be removed immediately from all primary and secondary reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Received an Amex gift card for XXXX. Was finally going to use it on XXXX. I tried using it and it declines. The balance was {$25.00}. Showed correct amount thru American Express ' website. 
XXXX. Found a XXXX discussion about it saying to use it to add money to my XXXX account. But it ONLY works in increments of XXXX XXXX. I did it XXXX, leaving {$5.00}. I tried that amount. Didn't work. Checked amex. I inexplicably have only XXXX. FINE! So I go to out that amount into XXXX. But XXXX only lets you put {$5.00} minimum. 
So I have {$4.00} I'll never be able to use. 

But Amex is doing this to countless people, and that adds up. Amex claims it's for security. But I've tried it in person and online and only this XXXX  tip let me even get {$19.00} out of my XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I switched auto insurance companies from XXXX to XXXX. When I switched to XXXX, I was asked if I wanted to have XXXX cancel my auto insurance with XXXX for me. Since that seemed like a seamless option, I opted in to have XXXX cancel my insurance with XXXX for me immediately on XX/XX/year>. I signed the required documents & XXXX was supposed to be responsible for the rest. XXXX confirms they contacted XXXX by mail but XXXX says otherwise. If XXXX wasn't able to cancel my insurance, then that shouldn't have been offered as an option to me as it seems deceptive. Now XXXX is charging me for an additional month of insurance when I already had an active insurance policy with XXXX. I did everything correctly as a consumer, but both of these companies have failed me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: PA

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit 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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: Velocity Portfolio Group
State: NJ

Complaint narrative:
Agreement with the creditor that authorizes you to collect on this alleged debt : XXXX. Theagreement bearing my signature stating that I have agreed to assume the debt ; XXXX. Valid copies of the debt agreement stating the amount of the debt and interest charges ; XXXX. Proof that the statute of limitations has not expired ; XXXX. Complete payment history of this account along with an accounting of all additional charges being assessed ; XXXX. Proof that you are licensed to collect in my state :

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 2024-10-01 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: MA

Complaint narrative:
I received my TransUnion free credit report online. TransUnion indicates I was employed at : XXXX I have never worked for XXXX, Earlier I failed an identity check because of this error by Trans Union. I received a XXXX XXXX XXXX by XXXX ( they lost my info in a breach ). To initiate the monitoring service I had to pass an Identity Check. They provided a list of my employers which included XXXX. but I said " None of the above '' since I never worked there! 

When I clicked the Trans Union dispute button ioffered on the web sire here XXXX XXXX XXXX XXXX  The system went busy and never unlocked. 

When I clicked on the support button on that page it redirected me to a page identifying issues that can and can't be resolved. I clicked on the Personal Information hyperlink and nothing happens.

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 2024-10-01 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On my Experian report I see that the amount shown on my credit report is incorrect

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 2024-10-01 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: MOHELA
State: MI

Complaint narrative:
Hit XXXX payments for XXXX in XX/XX/year>. Had two loans, one finally forgiven in XXXX, second one not forgiven?? -- on federal website it was officially forgiven in XXXX finally, but I have no confirmation from Mohela. Also further payments were made after XX/XX/year> while Mohela was failing to process the XXXX forgiveness despite ethr ight forms being submitted XXXX times, so they owe me money back on the excess payments which of course has not come. 

They failed to process XXXX when it was due despite the payment count reaching XXXX payments and forms being submitted. They continued to charge me after XXXX payments. They stlll have not confirmed that I am in a XXXX balance. They still have not refunded me for overpayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America reported a credit inquiry, and I never applied for a third line of credit. I currently have two accounts with them but bank of America explained that somebody tried to open a third account with my social security.

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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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