vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, 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:
I have several HARD INQUIRIES to banks and car loans that were identified as identity theft by me. I called to get these removed from my credit report and they are still there.

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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have several HARD INQUIRIES to banks and car loans that were identified as identity theft by me. I called to get these removed from my credit report and they are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I am writing this complaint to bring to your attention a serious issue I am facing with Barclays Bank. My complaint is in regards to a reduction in my credit limit that occurred as a result of the company checking my credit report without my authorization. This reduction in credit limit constitutes an adverse action and should require a new application. 

On XX/XX/2023, I received a letter from Barclays informing me that they checked my credit report and decided to reduce my credit limit. I contacted the company on XX/XX/2023 informing them that they had no right to check my credit report anytime they choose. I also inform them that it was against the law for them to decrease my credit limit without making a counteroffer pursuit to 12 CFR 1002.2. 

Barclays Bank replied on XX/XX/2023 that they were unable to complete my request. 
Federal law regulates how consumer credit information can be collected, used, and disseminated. Under this law, a company must obtain written consent from the consumer before accessing their credit report. In my case, Barclays did not obtain my consent, which means that they have violated the FCRA.

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 2023-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NBT BANCORP INC.
State: PA

Complaint narrative:
This company is biased, I have a joint auto loan with this company XXXX XXXX XXXX XXXX, with my husband. They reported on his credit report paid on time. But on my credit report they only report when I am late. My husband checked his credit report and they reported him paid on time and on my credit report its showing late after making my payment at the same time as my husband, thats the point of a joint account it gets paid the same time coming out of our shared accounts. 


XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
Vehicle was repossessed by company. 
Company sent letter of notice to sell vehicle after XX/XX/23 if full payment not received before date. 
I accepted the offer and tendered payment in ACCORD AND SATISFACTION in the amount of {$11000.00} on XX/XX/23 using XXXX money order XXXX which was subsequently cashed by the company. 
Clearly prior to the deadline date of the notice.

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 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XXXX XXXX I had a direct deposit made into my PNC Smartaccess account. On XX/XX/23 I started noticing unauthorized transactions and withdrawals from my account. I noticed some unauthorized transactions starting XX/XX/23 at XXXX XXXX XXXX Bank at the ATM for the amount of {$200.00} Then here 's a bunch more unauthorized transactions and withdrawals done from my account. 
XX/XX/23 XXXX XXXX. {$31.00} XX/XX/23. XXXX. {$59.00} XX/XX/23 XXXX XXXX {$49.00} XX/XX/23 XXXX XXXX {$120.00} XX/XX/23 XXXX 's. {$100.00} XX/XX/23 XXXX 's. {$31.00} XX/XX/23. XXXX XXXX {$10.00} XX/XX/23. XXXX. {$47.00} XX/XX/23. XXXX. {$400.00}. 

I let my Uncle and his lady friend come to my motel room to takeca shower. My uncle went to the store and I walked to go get something to eat. It wasn't in till later that night when I went to go sign in for class that I noticed my notebook where I keep every single password, account, routing, passcodes and pins etc was missing. I checked my wallet and my debit card was also missing. I have tried telling this to PNC Smartaccess but they aren't listening. They denied my claim because all of the information was correct. Well it would be correct if the individual had all of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
According to the fair credit report act XXXXXXXX XXXX, Capital one, and XXXX XXXX i have the right to privacy in which my information is all over google sites. 

Reporting agencies can not furnish a account with my permission A creditor may not treat a payment on a credit card account as late for any purpose. 

I have credit accounts as old as XXXX reported, with several attempts to dispute. Named is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: KY

Complaint narrative:
Credit Control, a collection agency, contacted my place of employment as well as my boyfriend ( who is not involved or listed in the debt whatsoever ) regarding an old debt that is currently being handled by a debt consolidation company. Both of these phone calls to occurred in XX/XX/2023.

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 2023-04-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank continuously posted payments to my JC Penney account in error. 

The payments apparently belonged to a different account number and Cardholder name. 

The Payments applied to my account in error are as follows : XX/XX/XXXX - {$1000.00} acct XXXX ending in XXXX was returned " payment not authorized '' XX/XX/XXXX - {$1300.00} acct XXXX  ending in XXXX was returned " acct closed '' XX/XX/XXXX - {$1900.00} acct XXXX  ending in XXXX was returned " acct closed '' I reported these payments were not issued by me and not my financial institution, they sent a letter of apology for the payment on XX/XX/XXXX posted to my acct in error. 

I received a following letter stating my acct was closed because of these payments. Two of these payments are from the acct number they stated was posted in error. The balance is also greater than i would have previously charged. I have asked for copies of these checks so i can pursue possible fraud charges, i have also asked for location of delivery or purchases for the items charged. Jc Penney and Synchrony Bank have not assisted in this endeavor at all, but they did manage to close my account because of THEIR ERROR and failure to protect THE CONSUMER from their own Failed processes. Why did Synchrony Bank send a letter of apology for posting a check to my acct in error and then use it as an excuse to close the account.. Synchrony Bank apparently has a history of doing this very same thing and I will not accept this as the norm. I want a SINCERE Letter of Apology and my Account Reinstated as it should have NEVER been closed.

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 2023-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a checking account with XXXX XXXXXXXX XXXX ( acquired by Capitalone in XXXX ) which was closed in XXXX. I recently contacted the bank to request bank statements for the year XXXX as I had have very important information that matter to me to check my transactions and all the wiring in and out money to my bank account. One of the managers I spoke to confirmed through an email that the available statements they have of my account is from XXXX onwards and she made a request for the concerned department to mail them to me. After 10 days, I received the statements from only XXXX. I called again and left a complaint that this isnt the statements I requested, they said we dont provide clients statements dated longer than 7 years. I politely told them that not providing me with those statements will cause me a huge loss as it is the only proof I would have that to settle my accounts payable and receivable. I have been trying for three months now with no success. I just want those statements from my account to be sent to me even if it has to be a paid service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These are the companies that have inquiries on my credit report in which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, Resident Verify- XX/XX/XXXX, Resident Verify- XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, US Department of Education-08/16/2022, US Department of EducationXXXX 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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These are the companies that have inquiries on my credit report in which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, US Department of Education-XXXX, US Department of EducationXXXX 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 2023-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XXXX XX/XX/XXXX ~ {$400.00} XXXX XX/XX/XXXX ~ {$500.00} XXXX XX/XX/XXXX ~ {$500.00} XXXX XX/XX/XXXX ~ {$1000.00} This amount of monies was taken from my account by scammers who hacked into my computer and took complete control of my computer, and I had to have the XXXX XXXX from XXXX XXXX come into my home and I had to completely shut down my computer and not use it and cancel all of my appointments over the internet with my providers. They had also hacked into my cell phone and I had to call XXXX for them to do a scan and get things cleared up in my phone, as well. 

Because my bank says that I provided my PIN each time a transaction was done they say that I was part of the scam and they do not TOLERATE scams, and they took back the provisional monies that they deposited into my account and they refused to give me back my monies. 

This all started on XX/XX/2022, with me getting a call from scammers pretending to be XXXX, and them describing my printer and them telling me of a new program that they have, and I thought that it was a great program and I had no idea what I was doing, but I had opened the door and let them in and they put more than XXXX files on my computer and took complete control of my computer and I had to jump through hoops to get the control back from XXXX to prove that it was me. 

The real XXXX did contact me as the scammers had blocked their calls but after XXXX cleared my phone I talked with them, and they told me to go to the police which I did and they have everything locked in their headquarters as the scammers wanted me to destroy the cards that I had bought but I refused. I am not able to find the police report that they gave me, but the scammers even called me while I was at the police station, and they heard the call and told me to block them. 

I had the claim with my bank reopened as one gentleman told me it was obvious that I was not a part of what was happening and that I was taken advantage of but my bank still insists that I was part of the scam and they are refusing to refund my monies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I Recently Received A Copy Of My Credit Report And I Came Across Some Inquires Here Are The Inquires And Dates In Question 1.XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX 2.XXXX  XXXX XXXX Inquired on XX/XX/XXXX 3.XXXX  XXXX XXXX Inquired on XX/XX/XXXX 4.XXXX XXXXXXXX Inquired on XX/XX/XXXX XX/XX/XXXX 5.XXXX XXXX XXXX Inquired on XX/XX/XXXX 6.XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX 7.XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX 8.XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX 9.XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX 10.XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 11.XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 12.XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX 13.XXXX XXXXXXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX 14.XXXX XXXX XXXX Inquired on XX/XX/XXXX 15.XXXX XXXX XXXX Inquired on XX/XX/XXXX That I Do Not Have Any Accounts That I Am Associated With And I Did Not Authorize Please Have Them Removed From My Credit File Thank You

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 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
In XX/XX/XXXX, Ollo Card / Ally suddenly and randomly charged me a {$39.00} annual fee, which when I signed up for my Ollo Rewards Card with Ollo the terms clearly stated No Annual Fee. After I reported this to Ollo as well as her to the CFPB, Ollo Card / Ally reversed/refunded the {$39.00} annual fee, but I was also charged a late fee of {$29.00} on the same day XX/XX/XXXX / XX/XX/XXXX as the now reversed/refunded {$39.00} annual fee. This {$29.00} late fee has yet as of the writing of this complaint today been refunded. I send online direct communications to Ollo Card / Ally through secure messaging and uploaded proof of these charge ( s ) securely through being logged in to my Ollo Rewards Card account on www.ollocard.com. Please have refund the {$29.00} late fee as you have already done with the {$39.00} Annual Fee in error they charged. As well as revert my percentage rate back to what it was before the {$10.00} no interest payments plan setup up around 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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

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 XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : has violated my rights .

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 person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, 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: OH

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 XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : has violated my rights .

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 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