vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  account number XXXX, 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. States a consumer reporting agency can not furnish an account with my written instructions.

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 2023-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I XXXX XXXX and my partner XXXX XXXX attended a time share in order to retrieve free gifts promised to us. We were told we would receive 3 days and2 night free stay if used within a year at the Wyndham resorts in XXXX XXXX XXXX. It was my spouse and I anniversary. We declined to purchase any time shares due to refinancing our home and necessary upgrade to our home. We expressed not interested in what they were offering. Declined all offers presented to us. They already had our photo IDs per the sign in process. They did ask for us to fill out a brief questionnaire about our finances and occupation. It did ask for ssn. We provided our information on the sheet but never authorized to be signed up for anything. After declining we were told to go to the website or call to book the room to redeem voucher we received. This company took my information and created what XXXX XXXX  stated to me there was a credit account opened asked did I want a card to be mailed. I wasnt sure what she was talking about. I asked her was this a credit card, loan, credit line. She was not able to see what type of account it was so then I started asking more questions in regards to when it was open and where did they mail correspondence to and realize that the actually mailed correspondence regarding the collection to a wrong address. The address on my photo ID is not my current address. They use that address to send some thing there had I not went to my mothers old home for rental property. I would have never known this account was open it says vacation club credit account she mentioned that it may be a point system, so I tried reaching out to Windham. I was unable to receive any information in regards to this account. It does not specify that we purchased anything at all. I would attach the bill the collection bill that was mailed to the wrong address. I am not at all responsible for days. This is zero liability on my end, because I did not open this account and I would like for this to be removed off my credit. 
I looked up and research on XXXX about timeshares and what they do to people like myself that is unaware about everything and they swindle you and persuade you and make you feel like oh youre gon na get something free, but end up tricking you into something completely different after declining multiple times They should have known I was not interested so now I am very upset and irate. I filed a dispute with XXXX XXXX and they did research, but it came back that I need additional information which I do not have because again we did not sign up for anything. We only retrieve our free gifts for restaurants and the voucher for the free three day two night stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Blackhawk Network Holdings Inc.

Complaint narrative:
Today I checked my chequings accounts and its XXXXXXXX XXXX XXXX which made no sense to me. I checked what caused the money amount to be in the negatives and saw a " Auth Reversal Expired '' by CASHSTAR GF. I contacted my bank at first to see if they could do something because Ive never had to deal with this before. They then told me to contact the merchant, which I did and they said they refunded me the XXXX XXXX originally. I originally purchased a card off XXXX giftcards for XXXX, the purchase failed but took my money, which was then refunded in the next XXXX days. Then I checked today as I said and I got charged by what seems to be another gift card company which I had not purchased anything from. I tried to contact XXXX but never heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- XXXX XXXX, on XX/XX/2023 -- -XXXX XXXX XXXX on XX/XX/2023 -- -XXXX on XX/XX/2023 -- -XXXX XXXX, on 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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- XXXX XXXX, on XX/XX/2023 -- -XXXX XXXX XXXX on XX/XX/2023 -- -XXXX on XX/XX/2023 -- -XXXX XXXX on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Online offer was issued in my name, after reports made about returns to outside merchants. This Merchant lead me to believe, corrections would be made but never was. I notice amount kept increasing and I was not using the credit card. I contact them again about the ongoing increase this Merchant failed to correct but lead me to believe everything would be taking care of and for me not to worry this Merchant filed to credit report instead of making correction clearing balance. As of XX/XX/2023 this Merchant for years now have fraudulently continue to report this information this has harmed me in a great way. Merchant is under a bank that extended credit to me for account was opened using my name. I am now blocked from any increase credit due to the fraudulent account Merchant keep reporting. I notified credit bureau years ago but they keep allow Merchant to make reports of owing balance when I owe nothing, Merchant failed to handle account in my name for fair investigation, plus allowed ongoing billing to be added to my name leaving a balance of XXXX I never charged this amount and asking for removal and never to be reported using my name.

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 2023-10-05 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: 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 : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 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 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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mercedes Benz Financial Services
State: MI

Complaint narrative:
There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- -XXXX XXXX XXXX, on XX/XX/2023 -- -Mercedes-B, on XX/XX/2023 -- -XXXX XXXX, on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: VA

Complaint narrative:
Account info Account name XXXX, XXXX. 
Account number XXXX 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 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 2023-10-05 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: VA

Complaint narrative:
Account info Account name XXXX XXXX XXXX Account number XXXX 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 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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
THESE ACCOUNT NOT MINE XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX INQUIRIES 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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
THESE ACCOUNT NOT MINE XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX INQUIRIES 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 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I ordered food from a 3rd party company ( XXXX XXXX ) and it never got completed and I have evidence of the order being canceled. I disputed the charge with Chime after never getting a straight answer from management and getting the runaround on who wad to refund what. Chime has sided with the merchant with evidence of order being canceled. Chime has said are going to hold funds till XXXX even with evidence. Almost {$100.00} of undelivered product with evidence and Chime has still decided to side with merchant and hold funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nav Technologies, Inc.
State: CA

Complaint narrative:
This is essentially a case of false advertisement and terribly rude customer service. I signed up for Nav 's " Nav Prime '' membership and its XXXX XXXX {$10.00} service today, XX/XX/XXXX Three ( 3 ) of the most important features I paid for are unavailable. 

1. ) The XXXX XXXX service I paid extra for is completely unavailable to me. When I attempted to use the XXXX link to access my business ' score, it provides an error message stating, " Something went wrong. It looks like the page you're looking for doesn't exist. '' Error screenshot attached. 

2. ) When I attempt to apply for the Nav Business Checking, it provides an error message stating that it " ... .is n't currently live in your state ... '' Error screenshot attached. 

3. ) When I attempt to apply for the New Prime card, which was advertised ( please see attached advertisements ) as being " exclusive to Nav Prime members, '' it also provides a similar error message. 

I attempted to chat in and reached representative XXXX. The rep provided no apologies or empathy. At best, she offered absolutely minimal technical support assistance, and, instead, mainly tried to express the *other* benefits of Nav Prime membership. When I finally asked for a full refund, she said, " In order for Nav to process a refund you will need to call in ... '' Screenshot of the chat attached.

So, I called in as instructed, & after waiting on hold, received another unhelpful representative, XXXX. After explaining why I wanted a full refund ( false advertisement & inability to access features I paid for ), she tried saying I wasn't eligible for a refund. 

After demanding to speak to a supervisor, she allegedly put in a ticket for a supervisor to call me back in 2 business days. She refused to transfer to me to a lead or supervisor. 

This is absolutely ridiculous. I signed up, started experiencing issues accessing paid for services, and immediately tried to reach out. I have gone ahead and cancelled any renewal. However, I want a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: VA

Complaint narrative:
Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX 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 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 2023-10-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WESTSTAR MORTGAGE CORPORATION
State: TX

Complaint narrative:
We have been having trouble making payments online via the portal. We have been calling repeatedly and emailing for weeks, but we can not get anyone to take our payment. We continue to be redirected to our loan servicing representative, who will not return our calls or email requests to service our loan. We have been told that we do not qualify for forbearance because it has expired, yet we have been trying to get loan servicing help to get it done for all of those months. 

Our insurance was also canceled stating non-payment, yet we received a letter from the mortgage company stating that they were never billed by our insurance company. The escrow account is fully funded, so this was not our error. 

We can not get any of our issues resolved due to our roadblock of a servicing agent, and the process that forces us to use only her with no online resources or alternative contact person. We are just trying to get a new presentative who will actually help us and service the loan. 

This is a VA account and we are surprised at the treatment of a veteran. It feels like an attempt to take our home.

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 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a complaint ( # XXXX ) to the CFPB because I could not close my TD Bank credit card and, subsequently, fraudulent charges appeared. On XX/XX/XXXX, TC Bank sent a letter ( attached ) indicating that my account had been blocked and that I would receive a credit for the fraudulent charges. This letter referenced my inability to close my account, and by mentioning the account was blocked, lead me to believe that no further charges could occur on this account. On XX/XX/XXXX, I received an email from TD Bank indicating that a new charge appeared on the account that I requested be closed. I never approved the opening of a new account and very clearly indicated that I wanted my account closed. Not only do I believe that this new charge is fraudulent, but I believe that opening this account was fraudulent since it was clearly against my previously stated wishes. On XX/XX/XXXX at XXXX CT, I called TD Bank to attempt to resolve this issue, but the customer service representative I was speaking with hung up on me and no one called me back. I want TD Bank to permanently close any and all accounts associated with me and remove any associated charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2023 I sent letter to the credit bureau to verify or remove inaccurate information on my report I havent received any response it have been 60 days

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