vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
XXXXXXXX XXXX do not report monthly balance after closing monthly statement immediately to the credit Bureau. They report 60 days after the monthly statement of credit card balance to all credit Bureau. 

At present, XXXXXXXX XXXX reporting credit card balance of statement XXXX XXXX to XXXX XXXX to all credit Bureau. At Experian credit Bureau credit report showing XXXX XXXX balance as today XX/XX/year>. 
Where Statement for the next month XXXX XXXX to XXXX XXXX already close but XXXXXXXX XXXX  wait to REPORT this balance until next year XXXX XXXX to the credit Bureau . I guess bank not following Fair Credit Reporting Act. XXXXXXXX XXXX reporting my credit card balance every month use 60 days back statement balance, not current statement closing balance.so they always reporting after 60 days old balance. 
I like to know what date they will report the balance of my current statement which close on XXXX XXXX for the statement From XXXX XXXX to XXXX XXXX. They still did not report yet even today is XXXX XXXX. Statement for this month is close on XXXX XXXX and its 21 days passed but they do not report to credit Bureau. I believe they are breaking Fair Credit Reporting Act. Not following FECA ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
Someone advertised, in my HOA coummity XXXX page, that they were selling off some of there season tickets to a XXXX football game. They were {$150.00} each. I checked the XXXX page and it looked legit, so I had a conversation with them and proceeded to purchase 5 tickets. It cost me {$650.00}. I sent XXXX through XXXX and the other {$450.00} through cash app. I reported the accout to XXXX and reported both of the transfers to XXXX and Cashapp and they both told me that I'm pretty much XXXX and can't get any of my money back. This money was for XXXX for my XXXX boys, and it was everything I had. I completely broke and that messed up everything for XXXX. My kids got basically socks and t-shirts for XXXX and I have nothing left. This is extremely upsetting and wrong that this is allowed. People have to enter their social security numbers to be able to create these accounts and XXXX is linked directly to a bank account so there's no reason they shouldn't be able to give me my money back. I took screen shots of everything and these accounts haven't even been shut down. It's appalling that this is allowed and there's no support or help. These transfers should be insured and this should NOT be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: EQUIFAX, INC.
State: FL

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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Lexington law is still charging my bank account after I told them I wanted to cancel my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Received unauthorized deposit from XXXX, which was deposited into closed checking account then rerouted to savings. Savings account has hold on account which prevents withdraw to return funds to sender. Contacted financial institution multiple times to report unauthorized EFT and was told that they refused to take report of unauthorized EFT and to contact sender, which we already have done.

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 2024-12-27 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:
My information has been used fraudulently resulting in numerous credit inquiries on my credit report not done by 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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
While booking a flight with XXXX XXXX, we were presented with a promotional offer to apply for a Citi credit card and receive {$200.00} off the trip we were booking, along with XXXX miles. The offer appeared to be tied directly to the booking, so we decided to apply and were approved. 

However, once approved, all the flight and payment information we had entered disappeared, and we were required to restart the booking process. The problem was that we were not provided with a credit card number after approval. When we called Citi, we were informed that the card processing takes XXXX days and the physical card would arrive in XXXX days, making it impossible to use the card for the trip as advertised. 

I specifically asked why the offer indicated it could be applied immediately to our trip, and the representative stated it was supposed to auto-fill upon approval. This did not happen. After further research, I discovered many similar complaints online about the same issue. 

I also inquired about Citis complaint process and was told they simply write an email to a supervisor but do not take my information or provide any way to follow up with customers. 

I believe this promotion is misleading and deceptive. The company knowingly advertised a benefit that they were not able to deliver, leading us to apply for a credit card under false pretenses. Additionally, when I asked if the card could be expedited to take advantage of the low fare on the flight, I was told that nothing could be done. 

This experience has caused significant frustration and feels like an unfair practice.

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 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Identity was stollen since year XXXX. I didn't realize until almost the middle of year XXXX. I wrote letters in XXXX XXXX to the creditors, and I was able to dispute and cleared most of them by phone except XXXX of many from Home Depot ( Citi Bank ) Someone opened a few credit cards for Home Depot using my personal information. My original Home depot credit card ending number was XXXX and it was paid off on XX/XX/XXXX. These are the ones that the thief opened in my name for HomeDepot Ending numbers of accounts for Home Depot # XXXX. was disputed and cleared # XXXX was disputed and cleared # XXXX Citi Bank took me to court, I tried to dispute this by phone but they couldn't verify my identity by phone, so I was served by the court. I have a trial in XXXXXXXX XXXX XXXXXXXX. If you can refer me to someone that can represent me in court that will be great because I don't have the funds to pay. I also filed an identity report # XXXX and also have a letter ( XX/XX/XXXX ) from a Probation Department XXXX XXXX ( XXXX XXXX ) saying that I was a victim of financial loss, and they convicted and sentenced the person for this. 
My complained is against CitiBank because they refused to verify my identity and they let someone else used and opened new credit cards on my name. I'm XXXX XXXX XXXX and I still have a parttime job because my SS it is not enough to support me. I have been in a lot of stress and this affecting my health. 
Attorney that are in involved in my court case from Citti Bank are, My case # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca 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 2024-12-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB/CARE CREDIT C/O XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Is erroneously reporting on my credit report that I have an account open with them owing {$7400.00}. 

I have no knowledge of this account. I have disputed the account and reporting with the merchant via XXXX different credit bureaus and they are violating FCRA by not providing a full validation of the debt showing the documents of whom and where this debt was applied for. Contract. Signature. Identification of whom signed. Etc. they've also filed to provide names and contact information for any person or entities they used to allegedly " VALIDATE '' This debt as my responsibility. Methods for which this validation process was completed.

Furthermore, upon researching this creditor, it seems as though this is a medical billing account to which I have no knowledge. They are reporting this in violation of The HIPAA Privacy Rule ( 164.524 ). 

I am here by demanding that this account be IMMEDIATELY REMOVED from my credit reporting and that they CEASE to report any negative information on this account. Otherwise I will be forced to take legal action and report this issue to higher governing bodies for immediate legal recourse.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
I was unable to open up A bank account. The bank tried to open up an bank account and they noticed my credit score was low because of an unnoticed line of credit for A loan was used in that city and state bank account that I never enrolled in or know anybody out there. I'm not sure how this bank account got my information/credit opened but it is fraud. I called them and they said they would reach back to me and I never recieved a call from them or the fraud department they said that would reach back neither an email from either of the companies that was provided to me as well. I will be uploading pictures of when I called the dates and times will be on there as well and the credit loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Is erroneously reporting on my credit report that I have an account open with them owing {$7400.00}. 

I have no knowledge of this account. I have disputed the account and reporting with the merchant via XXXX different credit bureaus and they are violating FCRA by not providing a full validation of the debt showing the documents of whom and where this debt was applied for. Contract. Signature. Identification of whom signed. Etc. they've also filed to provide names and contact information for any person or entities they used to allegedly " VALIDATE '' This debt as my responsibility. Methods for which this validation process was completed.

Furthermore, upon researching this creditor, it seems as though this is a medical billing account to which I have no knowledge. They are reporting this in violation of The HIPAA Privacy Rule ( 164.524 ).

I am here by demanding that this account be IMMEDIATELY REMOVED from my credit reporting and that they CEASE to report any negative information on this account. Otherwise I will be forced to take legal action and report this issue to higher governing bodies for immediate legal recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Is erroneously reporting on my credit report that I have an account open with them owing {$7400.00}. 

I have no knowledge of this account. I have disputed the account and reporting with the merchant via XXXX different credit bureaus and they are violating FCRA by not providing a full validation of the debt showing the documents of whom and where this debt was applied for. Contract. Signature. Identification of whom signed. Etc. they've also filed to provide names and contact information for any person or entities they used to allegedly " VALIDATE '' This debt as my responsibility. Methods for which this validation process was completed.

Furthermore, upon researching this creditor, it seems as though this is a medical billing account to which I have no knowledge. They are reporting this in violation of The HIPAA Privacy Rule ( 164.524 ). 

I am here by demanding that this account be IMMEDIATELY REMOVED from my credit reporting and that they CEASE to report any negative information on this account. Otherwise I will be forced to take legal action and report this issue to higher governing bodies for immediate legal recourse.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent into Equifax, XXXX and XXXX  letters for accounts on my report for debt validation. Per 15 USC 1692 C I have not received a response in over 30 days now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report. I have made previous attempts to get this verified. This company is violating my rights, and I'm entitled to {$1000.00} for every violation of those rights. I will pursue legal action if this account is not removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
These items were not authorized by me and constitute a breach of my rights under both federal and state law. Furthermore, your responses to previous disputes have been inadequate and evasive, often suggesting that my communications originate from a credit repair organization, which is untrue. This practice is both misleading and unlawful. 

I am invoking the following legal protections to demand swift and transparent action : California Consumer Credit Reporting Agencies Act ( CCCRAA ) ( Civil Code 1785 et seq. ) - This act prohibits credit reporting agencies from including inaccurate information on a credit report and requires them to investigate disputes thoroughly.

California Civil Code 1785.16 - Mandates credit reporting agencies to block fraudulent information within four business days upon receipt of a valid dispute.

California Business and Professions Code 17200 et seq. - Prohibits unfair, deceptive, or fraudulent business practices, including ambiguous and misleading responses to consumer complaints.

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) - Requires credit reporting agencies to investigate disputes and correct or delete inaccurate or unverifiable information within 30 days.

Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) - Provides protections against unauthorized charges and requires creditors to respond promptly to billing disputes. 

here are the accounts and inquirers in question XXXXXXXX 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 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
These items were not authorized by me and constitute a breach of my rights under both federal and state law. Furthermore, your responses to previous disputes have been inadequate and evasive, often suggesting that my communications originate from a credit repair organization, which is untrue. This practice is both misleading and unlawful. 

I am invoking the following legal protections to demand swift and transparent action : California Consumer Credit Reporting Agencies Act ( CCCRAA ) ( Civil Code 1785 et seq. ) - This act prohibits credit reporting agencies from including inaccurate information on a credit report and requires them to investigate disputes thoroughly.

California Civil Code 1785.16 - Mandates credit reporting agencies to block fraudulent information within four business days upon receipt of a valid dispute.

California Business and Professions Code 17200 et seq. - Prohibits unfair, deceptive, or fraudulent business practices, including ambiguous and misleading responses to consumer complaints.

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) - Requires credit reporting agencies to investigate disputes and correct or delete inaccurate or unverifiable information within 30 days.

Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) - Provides protections against unauthorized charges and requires creditors to respond promptly to billing disputes. 

here are the accounts and inquirers in question 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Correction of Incorrect Name and Address Information in My Credit Report Dear Sir or Madam, I am writing to request the immediate correction of inaccurate information in my credit report related to my name and address. 

My correct and only name is : XXXX XXXX XXXX XXXX. 
My correct and only address is : XXXX, Texas XXXX. 
Upon reviewing my credit report, I identified errors related to my personal information that need to be corrected. Below, I have outlined all inaccuracies : [ List the errors exactly as they appear in your credit report ] To facilitate the correction, I have attached documentation verifying my identity and accurate information, including : A copy of a government-issued photo ID ( e.g., drivers license or passport ) A copy of a utility bill or bank statement showing my current address I respectfully request that you : Correct my name to reflect XXXX XXXX XXXX XXXX XXXX 
Update my address to reflect XXXX, Texas XXXX. 
Remove all incorrect or outdated entries related to my name and address from my credit report. 
Please confirm in writing once the corrections have been made and provide me with a copy of my updated credit report. 

Should you need additional information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, [ Signature, if on paper ] 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