vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 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: NY

Complaint narrative:
Please be advised that XXXX XXXX XXXX is a loan broker, that three years ago I acquired a loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XXXX XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XXXX  to XXXX XXXX, XXXX XXXX XXXX XXXX lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, Experian, XXXX  and XXXX XXXX respectively through a XXXX Supreme Court decision XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, XXXX XXXX XXXX must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the XXXX XXXX XXXX XXXX has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that XXXX XXXX XXXX is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. XXXX XXXX XXXX must delete and purge my file with all pertinent credit bureaus, period. 
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 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 I paid off the 2nd mortgage on my home. Bank of America received the funds on XX/XX/2020. I have applied and been approved for a HELOC with another financial institution to consolidate debt. I am unable to complete this transaction due to Bank of America not yet sending the Lien release paperwork to my county. I have called the Lien release customer service 43 times, to no avail. All I am asking is for them the send the lien release to my county clerks office. This document was generated on XX/XX/2020 and was allegedly sent to my county on XX/XX/2020. My county has NEVER received it. I have requested to have this sent to my county office on four occasions. I have requested to speak to a manager or a supervisor on five occasions and they schedule a time to call me back with a 2 hour window and I have NEVER heard back from a single one. ALL I want is for them to do what they are supposed to do nd send the lien release to my county. Thank you in advance for your 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 2021-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX not my address XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX not names or addresses see attachments

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 2021-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX not my address XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX not names or addresses see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my Experian, XXXX  and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19 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: NY

Complaint narrative:
Please be advised that XXXX XXXX XXXX is a loan broker, that XXXX years ago I acquired a loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XXXX XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XXXX  to XXXX XXXX, XXXX XXXX XXXX XXXX lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, XXXX, XXXX  and Trans Union respectively through a XXXX Supreme Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX Third party transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, XXXX XXXX XXXX must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the XXXX XXXX XXXX XXXX has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that XXXX XXXX XXXX is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. XXXX XXXX XXXX must delete and purge my file with all pertinent credit bureaus, period. 
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 2021-01-19 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: NY

Complaint narrative:
Please be advised that XXXX XXXX XXXX is a loan broker, that three years ago I acquired a loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XX/XX/XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XX/XX/XXXXto XXXX XXXX, XXXX XXXX XXXX XXXX lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, XX/XX/XXXX, Equifax and XXXX XXXX respectively through a XXXX Supreme Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX Third party transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, XXXX XXXX XXXX must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the Federal Deposit Insurance Corporation has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that XXXX XXXX XXXX is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. XXXX XXXX XXXX must delete and purge my file with all pertinent credit bureaus, period. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian report # XXXX XX/XX/XXXXreport # XXXX XX/XX/XXXXfile # XXXX I am filing a complaint because Experian, XX/XX/XXXX, and XX/XX/XXXX have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( 11 ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this matter as soon as possible. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Data Search NY, Inc.
State: TX

Complaint narrative:
I am being aksed to pay a debt that does not belong to me, please help.me this lady keeps disconnecting and stating she will not mail something out in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I have submitted several request for validation of debt. I have provided all the information to Nissan and Nissan has refused to provide me with a debt validation. Stating they did not have enough information although being provided the full account number as well as my date of birth, last 4 and address. Certified mail sent. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: IN

Complaint narrative:
I have reached out to EQUIFAX more times than my age. Equifax has a relax method of investagating Complaints on a Consumers Credit Report. I have ( 8 ) INQUIRIES on my Report. I have a fraud alert on my file with a phone number. I have ( 3 ) Inquiries from XXXX from 4/6 mo. apart how can Equifax mis this I'm not applying for credit every 4 to 6 mo. ( XXXX ) XXXX XXXX Inquiries same thing 4/6 mo. apart. XXXX I have no idea about this company. I've ask Equifax to send me a copy of the application bearing my signature. FYI never gotten a response. They have been giving more than 60 days. Need this data remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
On XX/XX/XXXX and possibly XX/XX/XXXX ; I contacted Exeter Finance regarding my payment I made of {$660.00}. I was told by the Exeter Finance customer service representative that Exeter Finance had received my payment and it was good and I was not late on my XX/XX/XXXX payment. On XX/XX/XXXX, Exeter Finance sent me an email stating my payment did not clear. I immediately paid {$600.00} on XX/XX/XXXX via the Exeter Finance website and it cleared with my bank. I had the money in my account so I do not understand why the first payment did not clear my account. I checked my credit report and saw that it stated that I had a late payment on XX/XX/XXXX and my credit score decreased. When I contacted Exeter Finance, they told me I was late on XX/XX/XXXX and I explained to them that Exeter Finance told me on XX/XX/XXXX that my payment was not late. I continued to call Exeter Finance between the dates of XXXX XXXX XXXX speaking to them about removing the late payment for XX/XX/XXXX from my credit report. On XX/XX/XXXX ; Exeter Finance decided to give me an extension for XX/XX/XXXX and also said that because they gave me the extension on XX/XX/XXXX it was too late to remove the late payment for XX/XX/XXXX from my credit report. I have been making my payments on time for over a year despite the fact that I'm unemployed. Every time I spoke to an Exeter Finance customer representative, I explained to them that I am currently unemployed and I only get paid once at the end of the month ( payment on the XXXX of each month ). I have requested Exeter Finance to remove the late payment for XX/XX/XXXX from my credit report because I was told by Exeter Finance that my payment was not late. Exeter Finance waited until XX/XX/XXXX to inform me that my payment was late. If Exeter Finance told me on the XX/XX/XXXX phone call that my payment was late, I could have made the payment on XX/XX/XXXX and not been late. I continued to call Exeter Finance between XXXX XXXX XXXX to get the late payment removed from my credit report. On XX/XX/XXXX, Exeter Finance gave me an extension for XX/XX/XXXX and show it as current on my Exeter Finance account but it shows late payment on my credit report. Exeter Finance will not remove the late payment for XX/XX/XXXX from my credit report because Exeter Finance waited until XX/XX/XXXX to give me an extension for XX/XX/XXXX. Exeter Finance told me that because I received the extension on XX/XX/XXXX it was too late to remove the late payment from my credit report. I had called Exeter Finance between the dates of XXXX XXXX XXXX  to get them to remove the XX/XX/XXXX late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: MT

Complaint narrative:
I HAVE BEEN DEALING WITH AN ONLINE COLLEGE CALLED XXXX XXXX FOR YEARS, TO WHICH THEY SAID I ENROLLED AND NEVER WENT TO. I RECEIVED TO DIFFERENT COLLECTION NOTICIES FROM TWO DIFFERENT COMPANIES THE FIRST ONE DELETED THE DEBT AND REMOVED FROM MY CREDIT, THE CURRRENT ONE UBSC IS REFUSING TO.

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my XX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: NH

Complaint narrative:
I learned of a poor FICA score from rating agencies. This poor rating was largely the result of a report from Citibank, with which I used to have a credit card. According to Citibank, my XX/XX/XXXX statement shows that my credit card was used for a purchase of {$15.00}. 
I have no recollection of this purchase. Indeed, I had moved to XXXX in XX/XX/XXXX and was still living there at the time of this purchase, so I can't imagine why I would have bought anything. 
Citibank added to this original charge various penalties and fees, so that as of XX/XX/XXXX the debt totaled around {$130.00}. Citibank alleges that prior to closing the account that same month, it was sending me monthly statements via email. However, I do not recall receiving any emails from Citibank about this or any other issue while in XXXX. Moreover, a search of my email archive shows that XXXX was the last year I ever received an email from Citibank.

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 2021-01-19 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX ssXXXX XXXX This letter is a formal request to remove inquiries from my 3 Bureaus XXXX, XXXX  and XXXX  per FCRA if the companies listed can not provide me with my signature that I gave authorization to the following companies. The following companies are XXXX  XXXX XXXX XXXX dated XX/XX/XXXX, XXXX  XXXX XXXX XXXX dated XX/XX/XXXX, JPMCB Auto Finance XX/XX/XXXX, XXXX XX/XX/XXXX. Please remove if a signed authorization with my signature can not be provided or validated under the 609 of the FCRA. 
Under the FCRA I ask you to investigate and to provide me with the authorized document with my signature that I in fact gave authorization to have my credit pulled. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion or your re-investigation. 
Thank you for your consideration and cooperation and if you have any question concerning this matter I can be reached at XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation