vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
Halsted Financial keeps contacting about debt that was from XXXX  XXXX XXXX  for {$690.00} and {$1300.00} this is a 3 rd party that I never heard of or gave my written consent on anything. This violates my consumer rights and is illegal per consumer laws.Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to ensure that any information reported to credit bureaus is accurate, complete, and verifiable. I must point out that, under federal law, it is illegal to attempt to collect a debt that has been sold to a third party and for which I am no longer responsible. This constitutes a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: KS

Complaint narrative:
XXXX XXXX XXXX reported the account as being opened on XX/XX/XXXX to TransUnion and XXXX. 

XXXX XXXX XXXX failed to report payment history for XXXX of XXXX. XXXX XXXX XXXX has the following inaccurate credit reporting which has violated my constitutional rights and Federal Law under 15 USC and designated sub categories. 

XXXX XXXX XXXX reported to Transunion in XXXX of XXXX that the account was 30 days late. In XXXXXXXX XXXX XXXX the account was deemed to be 60 days late by XXXX XXXX XXXX. 

XXXX XXXX XXXX reported to XXXX in XXXXXXXX XXXX XXXX that the account was 30 days late as of XXXX XXXX 60 days. 

Under 15 U.S. Code as with the designated sub sections Creditors and Lenders are legally required to maintain the integrity of the credit report by reporting information with 100 % accuracy to the credit bureaus. XXXX XXXX XXXX has violated Federal Law and my civil rights by failing to properly report credit payment reporting history to the Credit Bureaus. 

15 U.S.C. Sec. 1681e ( b ) - Disputes were submitted to XXXX XXXX XXXXXXXX and they failed to properly respond or correct any information within a reasonable timeframe under US Law. XXXX XXXX XXXX violated US Law again by failing to properly investigate and provide me with a signed consumer contract and accurate credit reporting.

Due to the inaccurate reporting to the credit bureaus, it has affected my ability to get credit and has violated my consumer and constitutional rights of the United States. XXXX XXXX XXXXXXXX was notified and made aware of the disputes multiple times and failed to act within a reasonable timeframe.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX reported the account as being opened on XX/XX/XXXX to XXXX and Equifax. 

XXXX XXXX XXXX failed to report payment history for XXXX of XXXX. XXXX XXXX XXXX has the following inaccurate credit reporting which has violated my constitutional rights and XXXX XXXX under 15 USC and designated sub categories. 

XXXX XXXX XXXX reported to XXXX in XXXX of XXXX that the account was 30 days late. In XXXX of XXXX the account was deemed to be 60 days late by XXXX XXXX XXXX. 

XXXX XXXX XXXX reported to Equifax in XXXX of XXXX that the account was 30 days late as of XXXX XXXX 60 days. 

Under 15 U.S. Code as with the designated sub sections Creditors and Lenders are legally required to maintain the integrity of the credit report by reporting information with 100 % accuracy to the credit bureaus. XXXX XXXX XXXX has violated Federal Law and my civil rights by failing to properly report credit payment reporting history to the Credit Bureaus.

15 U.S.C. Sec. 1681e ( b ) - Disputes were submitted to XXXX XXXX XXXXXXXX and they failed to properly respond or correct any information within a reasonable timeframe under US Law. XXXX XXXX XXXXXXXX violated US Law again by failing to properly investigate and provide me with a signed consumer contract and accurate credit reporting. 

Due to the inaccurate reporting to the credit bureaus, it has affected my ability to get credit and has violated my consumer and constitutional rights of the United States. XXXX XXXX XXXX was notified and made aware of the disputes multiple times and failed to act within a reasonable timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: VA

Complaint narrative:
XXXX has insisted for over a year that I owe them for a router that I returned them. They refuse to explain why. They have ignored multiple requests to fix their error but arrogantly refuse to even explain themselves. My credit rating went from " very good '' to just " fair ''.

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 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/XXXX XXXX  Open Date XX/XX/2024 {$6800.00} Closed No Action take and this is Affecting my family and my 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 2024-09-21 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: AL

Complaint narrative:
my personal information was exposed in a data breach. please remove these negative accounts from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: PA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DailyPay, Inc
State: IN

Complaint narrative:
I use Dailypay ( by XXXX XXXX ) to transfer payroll funds before payday for early access. I requested XXXX different transfers from Dailypay to my bank account for early access to my payday funds. The Dailypay app said it would take XXXX business days for the funds to transfer. After 5 days the funds never showed to my bank account. I called and emailed Dailypay to figure out what is going on and all they tell me is that the funds successfully transferred out and to call my bank for tracing. They provided me tracing ID 's and I called my bank. My bank stated that they have no record of those tracing ID 's and that they do no see those XXXX incoming transfers. They advised I call Dailypay back and request them to trace where the payments went. Each time I call I get told the same thing, that the transfers successfully went through but they refuse to trace the funds and see where they went. I have been patiently waiting for over a month for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did not take a cash advance. A merchant coded a regular transaction incorrectly as a cash advance. I am disputing the nature of the charge. I understand Capitalone will process based on the merchant. Merchant made an error. I asked capital one to reverse the fees and interest as they do have control over their own fees. They are unwilling to reverse these fees even though it is their own fee and I did not authorize this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: GA

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 2024-09-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute Equifax 's failure to display my credit report, which has caused significant personal and financial harm. On [ Date ], I was denied a mortgage by XXXX due to XXXX refusal to release my credit report. This refusal is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have sent multiple letters to Equifax, providing the necessary documents, including my ID, rental lease, and a copy of my Social Security card, yet my issue remains unresolved. 

This situation has greatly impacted my ability to secure a home and has caused undue stress and financial strain. I urge Equifax to immediately rectify this issue by releasing my credit report and ensure compliance with FCRA regulations. If this matter is not resolved promptly, I will be forced to consider further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: PA

Complaint narrative:
I recently discovered several fraudulent accounts and inquiries on my TransUnion credit report that were opened without my authorization. These accounts and inquiries were the result of identity theft. After realizing this, I filed an identity theft report and began disputing the fraudulent activities. 

The fraudulent accounts include credit cards and bank accounts opened between XXXX and XXXX, with balances totaling several thousand dollars. Additionally, there were unauthorized inquiries made in XXXX and XXXX. These items are negatively impacting my credit, and I am demanding their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ]. 

I have taken all necessary steps, including filing a report with the FTC and notifying the credit reporting agencies. I expect TransUnion to comply with the FCRA and delete these fraudulent items from my credit report without delay.

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 2024-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XXXX XXXX my wife first talked to a loan officer from PNC bank, they offered us a great rate but refused to send us a written loan estimate. We then had another conversation together on XXXX XXXX. During this conversation the loan officer repeatedly refused to give us a written loan estimate, or any written form of information regarding the loan, estimated closing costs etc. He refused a soft pull on my credit and said they can only provide a written loan estimate if we commit to his bank as the mortgage holder and agree to a hard credit pull. He also mentioned that once he hard pulls my credit it would negatively impact my credit score. I had informed myself beforehand that multiple hard credit scores during the mortgage loan search would not impact me negatively until two-four weeks later, and that multiple hard pulls for such a search would be treated as one by most credit scoring agencies. After some back-and-forth, he finally agreed to send us a written loan estimate but made me agree to have a hard credit pull. I thought that this was part of us shopping for a good mortgage. In messages later that day, it became clear that he thought we had agreed to take the PNC bank as our mortgage holder. When I told him again I just want to see the loan estimate, he told us in writing that I narrowly made the best rate with my credit score and that I CAN NOT have any other lender hard pull my credit or I would loose that rate. He also immediately told us that we would have to pay for the credit report and potentially the application fee, if we aborted at this point, even though we never agreed to a loan in writing before and had not received the loan estimate yet. We finally get a look at the loan estimate the next day and they also had sent us a charge for the credit report and the application fee. At this point we made it clear that we do not intend to move forward with them. They then changed the charge to just the credit report fee of {$75.00}. We paid the fee and that was the end of it. We have had no such issues with any other potential lender that we reached out to. The PNC employee 's words and actions were clearly misleading and pressuring us into simply accepting the terms he was offering.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-21 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: TX

Complaint narrative:
I have a debt listed XXXX  on my credit report. It's under the original creditor and the collection agency it was sold to. Both still have a balance. The original creditor balance is supposed to be {$0.00} but it still shows the same balance. I submitted multiple disputes with both Experian and XXXX. I think the practice of relying on computers is preventing this from being fixed. They think I'm disputing the debt but I'm not. I'm disputing the balance of the original creditor. 
Both the original creditor and the collection can't both have a balance, I can only owe XXXX of them.

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 2024-09-21 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: VA

Complaint narrative:
The information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Lets examine Account Description showing Individual Metro 2 requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here! 
Upon inspecting Creditor Remarks ( XXXX ) exhibiting ACCOUNT INFORMATION DISPUTED BY CONSUMER. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! 
Viewing Date Opened ( XXXX ) demonstrating XXXX. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? 
Upon inspecting High Balance ( XXXX ) exhibiting {$5400.00}. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information When I scrutinized Payment Status ( XXXX ) presenting CollectionOrChargeOff I noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by Metro 2. If I can't trust what's in my credit report, then there is no point to having one at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my 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 non-monetary relief