vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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: CBM Services, Inc.
State: PA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
1. On XX/XX/2021 I received Bank of America text that I had received {$1000.00} from my son via XXXX. 
2. At the material date, I didn't have my phone # linked to a bank account. Therefore, I never received the money. 
3. I failed a claim with Bank of America on XX/XX/2021 but the claim was declined. I was referred to the sender. 
4. The sender also filed a claim but was declined. He was referred to the recipient. 
5. Bank of American has indicated that there is nothing that can be done to locate the missing {$1000.00}. 

I need help beyond what Bank of American can provide.

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 2021-06-21 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
These inquiries don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft SYNCB/AMAZ Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft SYNCB Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft SYNCB/LOWES Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft SYNCB/TJX DC Date of inquiry : XX/XX/XXXX This is 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 2021-06-21 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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: Receivables Management Partners, LLC
State: PA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX and XX/XX/2021, I sent communication to Transunion and XXXX asking for a collection account to be investigated. The account is with XXXX XXXX XXXX. I have requested from the creditor documents validating this debt several times, as I am not aware where this came from .I sent in proof several times that this creditor is not validating the debt because they are not informing me as to how it was obtained. They have sent me several communications stating that the original creditor believes it is valid. When asked to send me proof of this account. XXXX on 3 occasions sent me a 2 page bill that displayed no information as to what the charges are for. Also XXXX was reporting conflicting information between the credit bureaus. I sent this information to the reporting agencies and they only updated the information to match. Transunion and XXXX both failed to properly validate this debt. I have not been informed by neither XXXX, Transunion, nor XXXX on how this debt was obtained nor where it came from. When I called Transunion I was told that they have just started my dispute on XX/XX/2021, that is one month after my certified mail receipt shows it was delivered. Once I advised the rep that I had proof it was received by them on XX/XX/2021, he then changed the story that the investigation was completed and that they updated the information. This information is damaging my character and causing me a great deal of stress. I am trying to purchase a home and this is stopping me.

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 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There is an account that the dollar amount owed is not factual I see 2 accounts that does not belong to me.

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 2021-06-21 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: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
these accounts dont belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. CHRYSLERCAP Account XXXX : XXXX 4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
On XX/XX/2021, I sent Advance Bureau of Collections, LLP documents to validate the alleged debt that they placed on my consumer report. They received the documents on XX/XX/2021. 

In return, they sent me a copy of a typed statement that was written by their employer, which was not the documents I asked for. 

They did not send me the documents that I asked so, therefore, Advance Bureau of Collections, LLP needs to remove my personal information from their system and remove and delete this account from my consumer report. 

I am the consumer according to 15 USC 1692, I do not owe any debt and I'm not obligated to pay.

I am an administered agent according to 15 USC 1602 o so therefore the social security card belongs to SSA, I have to give it back at their request, which means I do not owe any debt attached. 18 USC 8 will provide this information

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 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since XXXX XXXX FRAUDULENT ACCOUNTS have been added to my credit profile which the credit bureau Experian is still reporting I have certified mailed my POLICE Report which has been added to my credit FILE. Yet Experian has continued to refuse to Remove all the FRAUDULENT ACCOUNTS I also have COURT ORDER DISMISSAL LETTER I have sent in the Court order DISMISSAL several times via certified postal mail yet They Refuse to follow the judge 's order as well as the polices report and remove the FRAUDULENT accounts PERMANENTLY. Any and every time I mail them proof which consists of the police report as well as the judge approved Court order Experian will put the accounts in investigation and end with the same results leaving the accounts on my credit file. this will be my final time explaining this situation and asking them to follow the judge 's request if Experian continues to ignore the police report as well as the Judge Court order I will seek legal assistance to make sure Experian credit bureau is penalized for ignoring the law and leaving Fraudulent accounts on my credit profile.

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 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There is an account that is reported wrong on a dollar amount I see 3 accounts that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX  & XXXX  has violated my consumer protection laws under the United States code title 15 chapter 41. The first violation is they have this alleged debt being furnished on my credit report. That is a violation of 15 USC 1692b ( 2 ). Its violating because it being furnished would mean I owe it, but a debt collector cant say I owe anything. I am the original creditor because I am the one with the credit. There are several public laws regarding the inability of any bank or anyone other than a natural person ability to lend credit or have credit to lend. They did not give me the credit so they can not validate the debt. I am the only one who can validate the debt because the corporation is not a natural person according to congress. They are a entity. I do not validate this debt. 

Pursuant to 15 USC 1692d only the natural person can validate an alleged debt. No debt collector/ corporation has the power to tell me a debt is validated. No contract or monthly statement can validate the debt. 

The consumer, the natural person Is the only true creditor as I am the one that created the debt per federal law. 

I demand that the accounts listed in my letter be deleted asap. If you cant delete the accounts I demand that you produce a contract in affidavit form between me and you showing I granted you permission to furnish the report. If you have that permission have senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
- I opened a 12 mo CD with Marcus Goldman Sachs on XX/XX/2020 for XXXX - On XX/XX/XXXX I called Goldman Sachs to close the account and move the money back to my XXXXXXXX XXXX account - The customer service person and supervisor both told me that my CD that matured on XX/XX/XXXX was rolled into a new CD at a much lower rate and I would have to pay a penalty if I closed the CD and moved the funds back to my XXXX account - The penalty is over {$600.00} so I asked them to waive the penalty as I was unaware of the rollover to a new CD - XXXX GS siad they would not waive the fee - I wasn't informed of the automatic rollover to a new CD - I wasn't asked to accept the new CD rate - The language in the letter XXXX sent in XXXX does not clearly describe what we needed to do to keep the CD from rolling into a new CD or that there would be panalties with this new CD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank Victoria 's Secret is reporting lates on my accounts for XX/XX/20 XX/XX/20. During this time, I was really affected by Covid and was struggling financially as my employer cut my hours. Once I was finally back on my feet I was able to get current and have stayed that way. I ask that Comenity Bank Victorias Secret please remove the late notations as a one time goodwill adjustment. I am now in a situation to be able to buy a home and removing these lates would really help me be able to get into a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: CA

Complaint narrative:
I received this letter on XX/XX/2021 from UNIFIN stating that I owe for a bill that I opened an account 15+ years ago. I feel this is a threating action from this company as I have had my credit dissolved and currently only owe for 2 items 1 credit card and 1 XXXX XXXX card. I contacted XXXX XXXX and they quickly responded to me by giving me your information and also to contact the Attorney General in California. It seems as though this company is opening passed credit history that has been closed. The bill they sent to me does not have a description of what the item is. I feel this is unfair since this has been cleared from my credit report. I love all that I have read that you do to help consumers. Thank you. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
these accounts dont belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. XXXX Account Number : XXXX 4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft AMEX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
these accounts dont belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. XXXX Account Number : XXXX 4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( FOCUS FINANCIAL ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.

Company response to consumer: Closed with explanation