vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I am in financial hardship due to Googles lack of doing their job after fraud has been reported. I have someone ruining my life and I don't know why or who. All I ask is that the account be blocked from any and all purchases as XXXX did. I deleted my cards from Google XXXX  and my Bank card is back along with a Google XXXX credit. The app is called XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Google refused my refund and you can not speak to anyone or go into detail. They said to contact the creator and the creator says to contact Google. I was told these were made by me and I was denied via email. 

My phone and account for XXXX was compromised. I had the phone factory reset and I purchased XXXX XXXX XXXX  for my personal information safety. I filed a complaint regarding ID theft and am reporting on here. 

The merchants for this one virtual casino game are all different 1st red flag, second I am aware they are being sued for online gambling in a class action they even have a problem gambler hotline, I myself prefer if I were to gamble to be able to win real money the entire thing is ridiculous and these companies Google XXXX XXXX don't care who they are hurting as long as they get real money for virtual money even at the hands of someone commiting fraud to do it. 

They need to return my money and cancel this XXXX XXXX account in my name and they will never hear from me again now that ive suffered through having to figure out what the heck was going on and what to do to prevent it it was very stressful and I wish I could sue. The charges are over {$1000.00} total. Google does not feel safe anymore I have to change everything and I no longer have XXXX because they only take google pay.

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 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/ Truist bank closed my checking, I use the account to deposit my Social Security check, I have had the account for about 7 years, the bank allowed nine checks of {$990.00} to be deposited in the account and the cash to be withdrawn, I believe the bank was negligent in allowing this to occur, I have never used the account for these types of transactions and the bank should have detected it, the bank is threatening to charge me and inform other banks so I cant open an 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 2024-06-28 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: SunTx Capital Partners
State: GA

Complaint narrative:
Freedom Trucking XXXX Is not my account. I was XXXX  for a few years I did not open these account.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In the attached file it is saying I never made any indication to whether the card was lost or stolen, if on a recorded line like they say you should be able to pull the records that I did in fact say the card was lost, as for a police report no where on there website doesnt say you need to file one in order for fraud to be removed it DOES say you are not liable for fraud The amount is 2,750.95 ( the account has now gone up because of late fees.. I refuse to pay for something I did not purchase ( prime example for a Vet bill, when I dont even have any animals ) I would like a refund but this is not my 3rd time doing this and this company ( Wells Fargo ) has given me 3 different reasons why they wont refund me, when Ive gone through all the proper channels ( to say Ive looked at my account when Ive told them I had issues with my account logging in so it wasnt me, to then saying this last one of not reporting it lost or stolen when I have ) I want a full refund, other wise I will get the attorney general of NY ( my boss ) to look into the shady ways of Wells Fargo and or I will sue this company because I refuse to pay for something I didnt purchase

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 2024-06-28 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: WA

Complaint narrative:
I am a victim of identity theft and have been struggling to remove fraudulent information from my credit reports for the past two years. While I was outside of the US, nine credit accounts were opened in my name without my authorization. 

I have filed numerous disputes with XXXX, providing them with a police report, an identity theft report, and an XXXX as proof that I was out of the country when the fraudulent accounts were opened. Despite this, XXXX has refused to remove XXXX fraudulent accounts : XXXX  XXXX XXXX XXXX XXXX XXXX  Instead, they mistakenly removed my legitimate XXXX account, which I am now attempting to reinstate. 

My Equifax report contains XXXX fraudulent account belonging to XXXX  XXXX XXXX. 

I am seeking assistance in resolving these issues and clearing my credit reports of all fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My FICO score was XXXX, I had XXXX debt, I used a VA loan to purchase a house, my loan is {$180000.00}. My first mortgage payment is due XX/XX/2024. 
Trans Union lowered my FICO SCORE by XXXX XXXX 

MY FICO SCORE IS XXXX XXXX XXXX is unethical business practices. 

There's no LEGAL reason to lower my FICO SCORE by XXXXXXXX XXXX, I want a full investigation of why TRANS UNION lowered my FICO SCORE by XXXX XXXX  after I applied & was accepted for a mortgage {$180000.00}. XXXXXXXX XXXX is too many points. I purchased my home on XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-06-28 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: TN

Complaint narrative:
On XX/XX/year> I received an alert that an unauthorized inquiry was placed on my report by XXXX XXXX. How is this possible when I placed a freeze preventing anyone from accessing it. I didnt authorize or lift the freeze on my report, nor did I give consent for anyone to check my credit. Please remove this unauthorized inquiry from my report and send me verification of the removal, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
I have called GM Financial ( XXXX ) XXXX multiple times and get transferred to multiple departments and no one at GM Financial can seem to locate this erroneous duplicate account XXXX XXXXXXXX or send me proof, that they are showing on my credit reports. 

It is very frustrating that no one at GM Financial can even locate this information for me and furthermore delete this error. Again, I only had one loan with GM Financial and it was paid in full and closed. That was account XXXX XXXXXXXX in the amount of {$17000.00} and paid in full. I have no idea where this duplicate erroneous account XXXX XXXX originated or who opened this account without my signature or knowledge. It is obviously an error/duplicate and needs to be removed from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I saw a card was open in my name and I have no knowledge of the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I saw a card was open in my name and I have no knowledge of the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I saw a card was open in my name and I have no knowledge of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I just note on my credit file this inquire COMENITYCAPITAL/XXXX XXXX  and i never request or get any product from this company also unknow what company is this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tally Technologies
State: MI

Complaint narrative:
Credit score started dropping. In investing the dropping scores, I found out there was a debt collection from Tally Tech ( some kind of loan organization in XXXX XXXX ) for {$650.00}. I got the the information from XXXX XXXX. I have no knowledge of this company or the charge. I do not owe them anything. I attempted to contact Tally Tech via phone call, and they were apparently unavailable.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I saw a card was open in my name and I have no knowledge of the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
I have made multiple efforts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized the inclusion of this information under my name, as I have been a victim of identity theft.

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 2024-06-28 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: FL

Complaint narrative:
I have made multiple efforts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized the inclusion of this information under my name, as I have been a victim of identity theft.

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 2024-06-28 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: IL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-06-28 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: FL

Complaint narrative:
I have made multiple efforts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized the inclusion of this information under my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I've been locked out of my account as they review it for security purposes. I have all the information they need to verify me yet they still won't unlock my account. My account has been locked for no good reason and I can't access my funds.

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 2024-06-28 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. s not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-06-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid for monthly service for Myequfiax website and I cant access the account to check my credit report and Im getting error messages saying its temporary down for 10 hours and I cant see my credit report and after I submit my dispute online on XXXX  XX/XX/XXXX for a fraudulent account with XXXX XXXX XXXX the account hasnt been removed or blocked on my credit report and the dispute is still ongoing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
Hi I received a letter stating I have an outstanding eBAY balance of {$880.00}. It references an XXXX XXXX XXXX XXXX. I have not purchased anything from XXXX any time other than a toy car paid for in full XXXX of last year. The letter reference number XXXX that's my CBE Group account number??? Not Sure how this is possible. CBE reference a direct payment website www.paycbegroup.com Can anyone from your accounting team please get back to me? How can I CLOSE my XXXX account??? 

their website www.paycbegroup.com their phone numbers XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX It is not fair to have this company SCAM people out of there hard earned money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am filing this complaint personally. An examination of my credit report revealed late payment entries. Although I sent correspondence over a month ago, I have not received any reply, nor have they provided adequate verification. I seek your help in addressing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Denefits LLC
State: WA

Complaint narrative:
My bankruptcy began in XX/XX/XXXX and was finalized XX/XX/XXXX. My lawyer has sent two letter to the company, and I have told at least 5 of their reps that have called and text me that I filed bankruptcy. The company did not hop on the call to dispute the write off, and then today, XX/XX/XXXX they somehow managed to pull funds from my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief