vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Subject : Complaint Regarding Reporting of Time-Barred Debts in Violation of Federal and State Laws To Whom It May Concern : I am filing this complaint against these agencies for reporting debts to credit bureaus that are over three years old and thus unenforceable under Maryland law . Under Maryland Courts and Judicial Proceedings 5-101, consumer debts that are more than three years old are considered time-barred and are no longer legally enforceable.

Despite this, these debt collectors have reported these unenforceable debts to credit bureaus, which I believe constitutes a violation of my rights. Such reporting disregards protections provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates fair and accurate credit reporting. Reporting these time-barred debts misrepresents their enforceability, potentially damaging my credit profile and misleading future creditors. 

Furthermore, the XXXX XXXX ( 15 U.S.C. 6802 ) limits how my private financial information may be shared without consent. By reporting these unenforceable debts, these agencies have likely disclosed my private information in a manner inconsistent with my rights under this law. Additionally, under the Privacy Act of 1974, I am entitled to protection of my personal information, which should not be misused or disclosed in ways that could harm my reputation or financial standing. 

I request that the CFPB investigate these debt collection agencies practices to ensure they immediately retract these reports of time-barred debts and cease all efforts that misrepresent the enforceability of such debts. Furthermore, I ask that the CFPB hold these agencies accountable for any breaches of my rights under both federal and Maryland state laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX FM XXXX XXXX # XXXX XXXX XXXX TX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: CA

Complaint narrative:
On XX/XX/year>, I was sent a prepaid American Express card as part of a rewards program : " This Card has been provided pursuant to a reward, loyalty or promotional program. '' As claimed on the card website, this is for " Use at U.S. merchants that accept American Express Cards. '' However, since American Express does not provide a mechanism to register a billing address, name, or ZIP code for prepaid cards, most charges are declined. In addition, American Express charges a $ XXXX fee for this particular prepaid card after a year, even though the card website also claims " Funds do not expire. '' but right below it, also claims " Subject to applicable law, a {$3.00} monthly fee will be assessed against Card balance starting 12 months after Card issuance. '' After making multiple attempts to add the card to popular online services, such as phone bill payments, and online shopping, no charges are allowed to process. The above monthly fee also will result in the balance going to {$0.00}, despite the fact that virtually no charges are allowed to go through when used online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In according to federal law act this company XXXX XXXX has violated my rigths under According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-11-02 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: NJ

Complaint narrative:
In according to federal law act this company XXXX XXXX, has violated my rigths under According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-11-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I went to the bank to open credit. they run my report said that I have best buy credit card open and have balance owe. I never open and used at all. I already called the best buy credit to dispute the card. a few days later I went to XXXX to check my credit report it showed I have best buy ACOUNT # XXXX and XXXXXXXX XXXX XXXX  ACCOUNT # XXXX which never open. Now I need to report so I need dispute the cards. 
so I show it to the XXXX they can do something to closed it for me.

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 2024-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: NY

Complaint narrative:
XXXX. I can not access my account online, via telephone, nor via the app, despite MANY attempts to resolve the lockout issue Mariner Finance has.

2. Mariner Finance offers payment via phone according to the loan documents signed at time of loan, but charges an additional cost to make the payment, IF the payment function is operational ( not likely operational ).

3. Mariner Finance does not respond to voice mails, or return phone calls, that is IF a client happens to get an answer from a telephone call to their office. ( Someone picking up the phone is RARE - if your call IS answered, Mariner Finance will put you on hold, after which, the line disconnects ). 
XXXX. They do not answer their telephone during NORMAL business hours, specified on their company voicemail AND company website. 
XXXX. Mariner Finance delays withdraw of automatic payments for weeks on end. 
XXXX. Mariner Finance offers more loans, often via email and spam calling, despite clients requests to pay off their existing loan. 
XXXX. Mariner Finance fails to adjust loan balances after payments are made. 
XXXX. Mariner Finance is often not in the office, during normal business hours according to their listed times at the location. 
XXXX. My latest attempt to contact Mariner Finance at the telephone number provided on their business DOOR and website, was answered by a female who hung up on me stating, We are closing, call back. This response was received during their normal business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
I am contacting you about the compromising of my social security number.i am a victim of identity theft/data breach.i contacted the federal trade commission and filed an ftc report number:XXXX which is attached.please block remove all negative accounts listed below from my credit report and send me an updated copy of the credit report.i have submitted numerous dispute letters and you have taken advantage of my federally protected rights under15u.s.c1681c2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance $ XXXXon transunion and eXXXX XXXX XXXX XXXX XXXX XXXX  acount # XXXX balance {$1400.00} on transunion XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX balance {$26000.00} on transunion and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX acount XXXX XXXX balance {$6500.00} on XXXX and XXXX please block delete the aforementioned accounts within XXXX business days of receiving this complaint in accordance to 15 usc 1681c-2 the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days.failure to respond satisfactory will result in a small claims action against your agency.i will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each per 15 usc 1692k : 1.defamation of character. 2.neglegent enhancement of idenity fraud. 3.violation of the fair credit reporting act 4.violation under 15 usc code 1681o-civil liability for negligent non compliance. 5.violation under 15usc 1681n ( b ) civil liability for willful non compliance.i am enclosing a credit report from today that has all of the inaccurate inconsistent incomplete information being reported highlighted.it is the data furnishers responsibility to report 100percent accurate information of delete from my file because it is severely hurting me from obtaining a new home and a car.i am fighting XXXX XXXX XXXX and need to be able to go to the doctor, and pick up my kids from school.i demand a proper investigation.when ever a consumer report containing any negative information being reported with out my written consent is considered identity theft and I never authorized any of these accounts to be opened or reported.

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 2024-11-02 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: IL

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I recived the email from the bank on XXXX XXXX, they said will close my account for no reason, i called them many times they do not give me the reason. But I stiil have over XXXX thousands dollars on account. The bank does not send the check until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/XXXX no correspondence offering me specific XXXX XXXX guideline refinance offers or mortgage assistance XX/XX/XXXX isolated mortgage statement mailed from debt collection XXXX to present Lender or servicer never updated mortgage transfer or assumption to investor Received call claiming to be a point of contact from XXXX XXXX with rude communication like insults and questions about if I work anywhere as if all low income, minority groups are not capable of staying employed. 

Lender/Servicer claims no contact from XXXX XXXX XXXX at 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 2024-11-02 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: MI

Complaint narrative:
The Company reported this account as a charge off on my credit report. The company is committing tax fraud by keeping this account on my consumer report when the debt has been cancelled. According to 15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in " consumer reports ''. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I May presume that no proof of the alleged debt, nor therefore any such debt in fact exists. According to 15USC 1681eb Compliance Procedures maximum possible accuracy. According to 15USC 1681a ( 2 ) ( b ) says the consumer report does not include authorizations or approvals of specific extensions of credit. I also read that inaccurate account that is furnishing on my credit account as debt is cancelled 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 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/XXXX all swipes decline. Company blocked spending and said it will be blocked until XX/XX/XXXX, randomly They have done this about XXXX times during this year XXXX time they blocked spending for XXXX weeks I had to prove which account I sent the payments from in XXXX occasions The last time I had to submit a letter from the drafted bank. Insane! 
No tangible reason is given Very frustrating Truist is horrible

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 2024-11-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to the bank to open credit. they run XXXX report said that I have XXXX XXXX XXXX XXXX open and have balance owe. I never open and used at all. I already called the XXXX XXXX XXXX  to dispute the card. a few days later I went to XXXX to check my credit report it showed I have XXXX XXXX ACOUNT # XXXX and SYNCB/XXXX XXXX XXXX ACCOUNT # XXXX which never open. Now I need to report so I need dispute the cards. 
so I show it to the XXXX they can do something to closed it for me.

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 2024-11-02 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: TX

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-11-02 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: TX

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX KY XXXX XXXX Subject : Incorrect Outdated Address on Credit Report Description : This is my second complaint regarding Equifaxs refusal to remove an outdated address from my credit report. Despite providing evidence of my current address, Equifax continues to report my previous address, Outdated Address : XXXX XXXX XXXX XXXX XXXX. XXXX KY XXXX, which is incorrect and negatively affects my ability to buy a house, buy a car loan, employment securing credit and updating records. I request that Equifax be directed to promptly update my address information and remove the outdated entry to ensure my credit report is accurate and fair. Documentation of my current address and previous dispute communications with Equifax are attached for review. attached Driver License with current address and utility bill XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation