vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Subject : Formal Complaint Against XXXX and XXXX for Inaccurate Reporting of XXXX XXXX Account Dear CFPB, I am filing a formal complaint against XXXX and XXXX regarding the inaccurate and inconsistent reporting of my auto loan account. Despite my efforts to resolve these discrepancies directly with the credit reporting agencies, significant errors remain on my credit report, which violate both federal consumer protection laws and Metro 2 compliance standards. 

Details of the Discrepancies : Inconsistent Date Opened Reporting : XXXX : Reports the date opened as XX/XX/XXXX. 
XXXX : Reports the date opened as XX/XX/XXXX. 

This discrepancy suggests a failure by the data furnishers to report consistent and accurate data, which is required under Metro 2 standards. 
Inaccurate Date Last Active Reporting : XXXX : Reports the Date Last Active ( DLA ) as XX/XX/XXXX. 
XXXX : XXXX the XXXX as XX/XX/XXXX. 

The Metro 2 standard mandates that the Date of Last Activity be reported consistently across all bureaus. This inconsistency directly impacts how long this account will affect my credit score. 

Discrepancies in Payment History Reporting : Both XXXX and XXXX report a payment history showing " 60 days late '' and " 30 days late '' statuses during XX/XX/XXXX and XX/XX/XXXX. My personal records do not support these entries, indicating a potential error in reporting. 

Metro 2 guidelines require accurate and consistent reporting of late payments. The discrepancies in these late payments are misleading and have negatively impacted my creditworthiness. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violations : Inaccuracy in Reporting : The FCRA requires that information furnished to credit reporting agencies be accurate and complete. The discrepancies in the date opened, date last active, and payment history suggest that the data furnishers have failed to ensure the maximum possible accuracy of the information reported. 

Right to Dispute : Under the FCRA, consumers have the right to dispute inaccurate or incomplete information on their credit reports. Despite my dispute, XXXX and XXXX have not corrected or removed the inaccurate late payments. 

Metro 2 Compliance Violations : Inconsistent Reporting : Metro 2 guidelines are designed to ensure that credit reporting is accurate and consistent across all bureaus. The discrepancies in the date opened, date last active, and payment history violate these guidelines and contribute to inaccurate and misleading credit reporting. 

Failure to Report Correct Payment History : The erroneous late payment entries for XX/XX/XXXX and XX/XX/XXXX represent a failure to adhere to Metro 2 procedural requirements, leading to a negative impact on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: MO

Complaint narrative:
To Whom It May Concern : 1 am writing to dispute the following incorrect information on my credit report : [ XXXX XXXXXXXX XXXX, Opportunity Financial ], account is reporting closed with XXXX and Transunion bureau but open with XXXX. 
This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
Please contact me at XXXX XXXX XXXX XXXX XXXX below to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. 
Thank you for your assistance in correcting this erroneous information on my credit report. 

Sincerely, [ 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 2024-08-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
To Whom It May Concern : 1 am writing to dispute the following incorrect information on my credit report : [ XXXX XXXXXXXX XXXX, Opportunity Financial ], account is reporting closed with XXXX and XXXX bureau but open with Equifax. 
This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
Please contact me at XXXX XXXX XXXX XXXX XXXX below to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. 
Thank you for your assistance in correcting this erroneous information on my credit report. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: MO

Complaint narrative:
To Whom It May Concern : 1 am writing to dispute the following incorrect information on my credit report : [ XXXX XXXX XXXX, Opportunity Financial ], account is reporting closed with Experian and XXXX bureau but open with XXXX. 
This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
Please contact me at XXXX XXXX XXXX XXXX XXXX below to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. 
Thank you for your assistance in correcting this erroneous information on my credit report. 

Sincerely, [ 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 2024-08-19 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: NJ

Complaint narrative:
I sent a request that you reinvestigate the disputed Accounts from my credit report as well as correct or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request.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 non-monetary relief
Consumer complaint received 2024-08-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a request that you reinvestigate the disputed Accounts from my credit report as well as correct or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my requestXXXX 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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
On XXXX XXXX I mistakenly purchased XXXX XXXX tickets from a fake XXXX XXXX website, since the page looked a lot like the official page. The day after I purchased I received email and XXXX messages requesting more personal information. I immediately got suspicious, checked the webpage and confirmed it was a fake tickets website ( XXXX ) and not the official XXXX XXXX website. I immediately called Chase to inform and try to cancel the charge. They indicated that since the charge was not processed yet, they could not do anything and that I had to wait until it was processed to make a dispute. I waited a few days until it was processed, made a dispute and explained the situation on XX/XX/year>. They issued me a statement credit and sent a new credit card through mail. 

The fake website started sending emails asking for my date of birth, which if course I never provided. I even bought tickets later from the official XXXX website and they never asked for my date of birth. As suspected, I never received XXXX tickets from the fake website, they even sent me an email from their alternate website XXXX just the day before the event indicating they couldnt deliver the tickets and that they would provide a credit in their website. Obviously there is no way to login as the website is fake so there is no credit. This email on XX/XX/year> was the last I received from them. A simple google search of the website will reveal multiple complaints of it being a fake website and defrauding olympic ticket buyers ( here is XXXX complaints link for your reference XXXX XXXX XXXX XXXX. Here is also an article explaining how this is a fake website : XXXX XXXX XXXX Today I received a letter from chase indicating that they have charged back my account for the transaction because I received a benefit from this transaction. Which as explained above and you can see in the evidence, I never received the tickets. I have no idea how chase can come to this conclusion and just close my case when I never received any benefit, and I thoroughly explained it was fake and their suspicious behavior. I was scammed as many others were and this can be easily corroborated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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 2024-08-19 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: NJ

Complaint narrative:
This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 2024-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I sent my friend XXXX XXXX on cash app and she hasn't received it yet.there is no phone number to call only texting them.i told them the problem and they won't refund the moneys back to my account or put it into her account like I wanted it.they have done this to many people and they get away with it.can you help me fix this situation not only for me for the millions of others this has happened to.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX, I purchased the home I currently live in with a XXXX XXXX. Shortly after, M & T began to service the loan. Since the inception of the loan, I have not paid property taxes, as I am a XXXX XXXX XXXXXXXX Veteran and are exception per state law. I have been XXXX XXXX XXXXXXXX for longer than I have owned the home. I paid no property taxes in XXXX, as M & T issued me a XXXX confirming the same. 

However, in XX/XX/XXXX, M & T sent a letter indicating I had past due property taxes and my payment will be increased to account for updated escrow. Again, I've owned the home XXXX months and have paid {$0.00} property taxes to included as part of my escrow- must be the exception... 

I called M & T bank on XX/XX/XXXX and told them that they have made an error. I advised them I'm a XXXX XXXX  XXXX veteran and do not pay property taxes in XXXX The representative on the call reviewed my file and the XXXX XXXX XXXX. She confirmed that she could see the exception on the XXXX and I should send over the property tax exemption letter provided by the county. Further, I was advised once provided, to call back and request an escrow analysis. 

I did exactly this. I submitted the property tax form with my account # written on it, called back on XX/XX/XXXX, and requested an escrow analysis. On XX/XX/XXXX, I received my mortgage statement, which still includes increase payment due to past due property taxes. 

Its clear I'm excempt, I have provided the paperwork, the county reflect the proper status, and I have performed all of the steps M & T has requested of 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 2024-08-19 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:
Please be aware that it is unlawful to threaten legal action without the intent to follow through. With that in mind, understand that I am fully committed to filing a lawsuit against your company. I have repeatedly requested that you investigate and remove the inaccurate information being reported on my credit profile, yet you have failed to take appropriate action. 

My understanding of the law is that you are required to investigate any incorrect information when requested, yet you have ignored all of my prior communications. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides consumers with the right to take legal action and outlines penalties for non-compliance by both credit reporting agencies and information furnishers. 

This serves as my final request for you to fulfill your obligations under the FCRA. If you do not promptly and properly investigate the accounts in question, I will have no choice but to file a lawsuit in my local jurisdiction, requiring you to appear here to defend your actions. 

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 non-monetary relief
Consumer complaint received 2024-08-19 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: NC

Complaint narrative:
My information was compromised into the Equifax XXXX XXXX which cause my credit score to drop and ruin everything. This error is Illegal and Unethical. Equifax failed to investigate and will not take the responsibility of their actions. Please remove all the unauthorized accounts. I did file a FTC report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NJ

Complaint narrative:
This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 XXXXXX/XX/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 2024-08-19 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: NJ

Complaint narrative:
This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX  XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief