vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 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: CA

Complaint narrative:
**IMPORTANT** In two previous questions regarding my issue type - I was forced into selecting something or not continue in process. Therefore, TYPE of complaint is INCORRECT. 

In the past week, my credit score dropped XXXX points, yet wonderful things happened to my credit and NO negative events occurred. As a frequent user of the Experian website ( and I have spent literally hours and hours familiarizing myself with all available information on this site ) I could not help but notice the dramatic increase in Experian additional products advertised TO REMEDY THIS DROP IN MY SCORE! Fishy perhaps? To be clear, I have no evidence of wrongdoing on their part. However, and they may claim the increase in advertised remedy for sale was triggered by a drop of XXXX points, what I think might be happening ( and I hope my complaint stimulates increased observance of Experian sales practices ) is they drop my score to increase sales of side products. 

Details : **In the week I am referring to, my open accounts dropped from XXXX to XXXX. 
**The two remaining decreased in amount owed. 
**My total debt dropped from ( these figures are rounded for convenience ) {$30000.00} to slightly under {$15000.00}, or more than half. 
**No negative events occurred during this week or previous weeks. 
**Within the same visit to the Experian website where I saw my decreased credit score that lacks legitimate support, I observed a dramatic increase in sales attempts to sway me into purchasing their other products to remedy my score drop. These products were literally sandwiched between bits of my credit report and data - forcing me to look at products for sale that I can not afford. 

The lack of evidence, such as common reasons to see a score drop, the multiple reasons that can be substantiated and should have INCREASED MY SCORE, along with the observed dramatic increase in force-feeding me their side products- all these combined makes me question how and why and who is responsible for this score drop when several positive events occurred that should have increased my score. 

I want to understand who did this and I want to see tangible reasons for this decrease. I also want an explanation for why I was not issued an increase in score when several positives and no negative events happened this week in question. I write them days ago and all i got back was confirmation of receiving it. I want CFPB to observe my attempt to gain clarity and watch for trends similar to my event.

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 2023-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
This person got ahold of me through my listing in the XXXX XXXX as I am selling my stuff. She ( according to her name, a lady ) messaged me and offered to pick up my product. She said she would pay for that as soon as today. Then she asked for my XXXX, but I didn't have any, so she asked me if I had Zelle. I said yes, then I sent her my number and name, claimed that my account was on the limit, and asked for my email because her Zelle is a business type. 
Then she showed me proof that she sent me the {$1000.00} and then got an email from Zelle ( which I did not know that it was just a fake one and disguising themselves to be one ) telling me they got my account on hold and the money the lady sent too but to get it I have to send {$500.00} because that is the minimum amount to open a business account. I tried to send it, but the Zelle in my bank account withheld the {$300.00} I sent to XXXX XXXX, and I have to call them about the on-hold in my account. I told it to this buyer, and that is when she asked about XXXX again and XXXX, which 1 do have. Then she sent some accounts/emails for me to send the money, which did not go through. I don't understand why, but I'm thankful because it could have been bigger than the {$500.00} I lost. They sent me many follow-up emails, which is still the Zelle account they are using. They used this XXXX ; they also used a bunch of XXXX like XXXX, which has a XXXX XXXX XXXX  '', their Zelle info is XXXX XXXX ( XXXX ) XXXX ) under XXXX XXXX, XXXX under XXXX XXXX in his XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: TX

Complaint narrative:
XXXX XXXX XXXX Accounts reported as Account # : XXXX ( as identified on XXXX ), ( but identified differently on XXXX as account # : XXXX and differently on Transunion as account # : XXXX ) and also account number : XXXX ( as identified on XXXX ) ( but identified differently on XXXX as account # XXXX and differently on Transunion as account # : XXXX are reporting transaction history since the opening of these accounts and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights. Furthermore, as a Federally protected consumer, I now opt out of any and all authorization I, the consumer, may have given XXXX XXXX XXXX XXXX, XXXX, XXXX, and TRANSUNION whether written, unwritten, verbal, and non verbal to report my nonpublic personal information and all transaction history while reporting these accounts. 
All pursuant to : Privacy Act of 1974 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent to the sharing of my nonpublic personal information for these accounts.

15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

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 2023-12-17 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: TX

Complaint narrative:
XXXX XXXX XXXX Accounts reported as Account # : XXXX ( as identified on XXXX ), ( but identified differently on Equifax as account # : XXXX and differently on XXXX as account # : XXXX ) and also account number : XXXX ( as identified on XXXX ) ( but identified differently on Equifax as account # XXXX and differently on XXXX as account # : XXXX are reporting transaction history since the opening of these accounts and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights. Furthermore, as a Federally protected consumer, I now opt out of any and all authorization I, the consumer, may have given XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX whether written, unwritten, verbal, and non verbal to report my nonpublic personal information and all transaction history while reporting these accounts. 
All pursuant to : Privacy Act of 1974 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent to the sharing of my nonpublic personal information for these accounts.

15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It's been almost 4 months now when I deposited a {$1500.00} third party check by chase into my own chase checking account that night ... .I waited a few days for my check to be cleared and then when it finally cleared .They decide to put a restricted hold on my account claiming fraud suspicioun. So now after I have visited more than a few chase branches and showed proof of identity from myself and third party... They still decided to not issue my money because they keep saying we need phone verification ... .So I've been calling every week for the last 3 and a half months trying to get verified and they can not verify the number but we still haven't got anywhere to this day because we can not get verification for a check that never was fraud and they know it but they won't accept physical identification for some reason which is skeptical to me... I just want the money that belongs to me in my own account ... .PLEASE HELP ME!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XXXX in or about the hours of XXXX and XXXX I went to PNC Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and used their ATM to deposit XXXX into my account via atm deposit the atm encountered an error and did not count my funds nor deposit my money into my account PNC will not do anything about this matter. Ive tried reaching out and no resolution of any matter. This bank stole my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17 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: TX

Complaint narrative:
On XX/XX/, I just receive credit report and seen inaccuracies on my credit report for XXXX XXXX XXXX a balance of {$7400.00}. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt, and I also stated to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. After the dispute the account came back verify and I do not agree with the results of this dispute. I Also stated they had 30 days to to mail me proof of the investigation and proof of the negative account or deleted the account.

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 2023-12-17 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I requested proof of inquiry and was told that don't have proof so I asked them to remove them and they said no

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: TN

Complaint narrative:
Hello there are several things wrong with my Credit report I have repeadtely sent letters and asked Equifax to comply with FCRA and USC what Congress put into place to protect consumers. I have incorrect reporting dates opening dates along other violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
there are more than 16 different names listed on my account. 
While i only have one name which is XXXX XXXX. 
At first Experian added wrong addresses on my report and now they have added wrong names All other names listed on my credit report should be deleted with immediate effect.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.

Complaint narrative:
Paid up my XXXX account but got missed payments for 2 years

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 2023-12-17 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: TX

Complaint narrative:
On XXXX, I check my credit report and noticed it was inaccurate for XXXX XXXX, XXXX. I previously disputed this account stating : XXXX'I never had a contract with this debt collector for any debt. I also sent in mail dispute to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. I also stated to please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account with 30 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
Consumer complaint received 2023-12-17 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: TX

Complaint narrative:
On XX/XX/, I check my credit report and noticed it was inaccurate for XXXX XXXX XXXX. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. I also sent in mail dispute to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. I also stated to please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account with 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I, XXXX XXXX XXXX received a bill in my mail at address located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/23 from XXXX XXXX XXXX for a loan that was allegedly taken out via cashing of a mail check in the amount of XXXX on XX/XX/23. Upon reviewing this bill, I realized that I have never and would never cash a check from said company. The following day I went down in person to the local branch of said company located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and spoke with two employees regarding the fraudulent charge. An employee there provided me with a copy of the check that was cashed in my name on XX/XX/23 in an account with Navy Federal Credit Union via mobile deposit. I have never had an account with said bank. The number on said check was XXXX. The signature on the back of the check was forged, and an XXXX readable signature was written beside my name. The phone number on file both on the check and in XXXX XXXX XXXX system as provided by both employees was that of XXXX matching neither my personal or work phone number or any associates or relatives of myself. Also included on the back of the fraudulent check was the first three of a Social Security Number of XXXX, again not matching myself or any known associates or relatives. After gathering this information I then proceeded directly to the XXXX XXXX XXXX XXXX XXXX XXXX a police report for fraud and forgery. I spoke with XXXX XXXX ( XXXX XXXX XXXX ) and filed a complete police report under forgery and fraud. The case number provided was XXXX. XXXX XXXX advised me that I cold pick up an official copy of the full report within XXXX to XXXX business days from the date the report was filed on XX/XX/23. I then returned to the XXXX XXXX XXXX XXXX XXXX XXXX at the address mentioned previously, and spoke with the same employee and provided a copy of drivers license and the pamphlet with the officers name and case number provided to me by the XXXX. XXXX took copies of information. I was then advised that once the official police report was made available to bring it back along with a copy of signature to be provided to the fraud department XXXX XXXX XXXX XXXX. I agreed and will return with information as soon as available. I then reached out to the fraud hotline of Navy Federal Credit Union at XXXX. I spoke with the agent over the phone who located that check and opened a fraud claim. The agent advised me that I would receive mail correspondence in 3 to 5 business days. I have also filed a report of suspected mail theft/ fraud with the United States Postal Service Inspection Service XXXX From there I was advised to file with the CFPB as was done on XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MI

Complaint narrative:
I received a credit card account summary, with a {$170.00} balance. 
This account summary is in error, if not fraudulent. 

I havent used a Discover card in years, and with all my credit cards, I set up auto bill pay. And, I don't carry have a balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello Transunion is not following the law that Congress have put into place to protect consumers. I see a lot violation on my report some account do not belong to me some are reported incorrectly and severely damaging my credit and causing adverse reaction

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 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
They took an entire check to cover a debt. They take money from my account and leave me with nothing. They even take my XXXX money from the va. I complain about it to the va and navy federal. They garnish my money. A navy federal spokesperson said they can do that and they are not giving me my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OR

Complaint narrative:
So what happened is this order was made with my account which I never did but it doesn't show up on my banking transactions so when I ask the bank to show me where this transaction is they can't provide that which is really weird and it says it's not you it's not even in my name you know this transaction so how it and there's a guarantee that this bank is supposed to replace my money if it's not made by me which I have shown multiple times that it wasn't, and I have not received my order from XXXX why is that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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