vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: FL

Complaint narrative:
My wife and I took out a residential construction loan from US Bank with a 14 month XXXX period, which then converts to XXXX XXXX XXXX thereafter. During the XXXX period, interest is paid on the amount drawn by the builder ; total credit line is {$2.00} XXXX. When the XXXX period expired, we only had drawn roughly $ XXXX, however US bank said we now need to pay full principal and interest on {$2.00} XXXX. My wife and I have both been in the mortgage industry for 15+ years, and had never heard of a product where interest is charged on the full credit limit, regardless of how much has actually been utilized. These loan terms were never explained to us by our loan officers and we do not believe we ever signed anything ( including the note and all other closing documents ) that clearly explained this either. We conveyed this to US Bank ( however, our loan officers are no longer there ) and they gave us a free 3 month extension on the XXXX period. That is now going to expire prior to the home being built, and they are saying in order to extend the XXXX period again, we need to pay a {$5500.00} processing fee, otherwise will have to pay P & I on the full {$2.00} XXXX ; however we still have not come close to drawing that amount, and don't ever intend to use the full amount, as this was simply based on an estimated cost to build. I don't believe we should ever be charged interest on funds we haven't borrowed, and shouldn't have to pay a {$5500.00} processing fee to avoid doing this.

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 2024-12-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NY

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate and resolve inaccuracies in my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XXXX XXXX, XXXX, I submitted a formal dispute regarding inaccurate information on my credit report. Experian acknowledged receipt of my dispute on XXXX XXXX, XXXX, and on XXXX XXXX, XXXX, I was notified that they were reviewing the matter. Experian continued to send updates on XXXX XXXX, XXXX, and XXXX, XXXX, stating the investigation was ongoing. On XXXX XXXX, XXXX, Experian notified me that the dispute was " completed '' and the information in question was " verified. '' I believe Experian failed to conduct a reasonable investigation as required by the FCRA. Dissatisfied with their response, I sent a second dispute letter dated XXXX XXXX, XXXX, and mailed it on XXXX XXXX, XXXX. However, Experian replied with a notice stating that the request did not appear to come directly from me or to be authorized by me, despite the fact that all communication was sent from the email address listed in my Experian account. This is a recurring issue with Experian, as they frequently use this tactic to dismiss my disputes without proper investigation.

**Key Issues : ** 1. Experian failed to conduct a reasonable investigation of my initial dispute.

2. Experian falsely claimed that my second dispute was unauthorized, despite receiving it from the email on file with them.

3. Experians repeated failure to handle disputes properly is causing me financial harm and significant distress.

**Resolution Sought : ** I am requesting the CFPB to : 1. Ensure Experian conducts a thorough reinvestigation of the inaccurate information on my credit report.

2. Hold Experian accountable for their repeated violations of the FCRA.

3. Require Experian to provide a clear explanation of their verification process and why they claim my dispute communications are unauthorized.

**Attachments : ** 1. Copies of all correspondence with Experian regarding the disputes.

2. Proof of mailing and receipt for my dispute letters.

3. Copies of the emails sent by Experian in response to my disputes.

4. A copy of my credit report with the disputed information highlighted.

I appreciate your attention to this matter and look forward to a resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX UCC 1-308

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX dXXXX XXXX, which falls undeXXXX XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Select Portfolio Servicing has reported XXXX or more of my accounts as late or delnquent on my personal credit. These loans are business purpose loans and the borrower for each is an entity not myself personally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
I am writing about yet another complaint against Apex Asset Management regarding a debt collection letter I received on XX/XX/year>. This letter threatens legal action in a manner that I believe constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, the letter violates Section 807 ( 5 ) of the FDCPA, which prohibits false threats of legal action if such action is not intended or can not legally be taken. The language used in the communication was misleading, harassing, and threatening, causing undue stress and confusion. 

Additionally, I have submitted an application for financial assistance through XXXX XXXX XXXX XXXX ( XXXX  ) for the debt in question, but I have not yet received a response from XXXX regarding my application. I intend to resolve this matter directly with XXXX once my application is processed. Despite this, Apex continues to engage in collection efforts.

I am particularly concerned that Apex Asset Management may take legal action or report adverse information about this account to credit reporting agencies while my application for financial assistance is pending. Such actions would further violate my rights under the FDCPA.

I respectfully request that the CFPB investigate Apex Asset Managements practices to ensure compliance with federal debt collection laws. Additionally, I seek confirmation that Apex Asset Management will : Cease all collection activities related to this account while the XXXX application is under review. 
Refrain from making false threats of legal action or reporting adverse information about this account to credit reporting agencies. 

If nothing is/will be done I have no problem pursuing legal action to ensure my rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my consumer credit report and noticed some inaccurate items XXXX XXXX has been furnishing that are also in violation of the law including my right to privacy. As a federally protected consumer, i have the right to privacy per the Privacy Act of 1974. The account listed ( in the dispute letter attached ) is reporting inaccurate late payments to non affiliated third parties and I hereby opt out of XXXX XXXX sharing my non public personal information to non affiliated third parties, such as the Credit Reporting Agencies. This is a major violation of the law and major violation to my rights as a consumer acting in good faith with my commercial dealings. These unlawful practices XXXX XXXX is exercising on me as the consumer are causing hardship onto me and the well being of my family. 
Violations mentioned in the attached letter are pursuant to 15 USC 1681, 15 USC 1666b, and 15 USC 1637 ( b ).

Transactions and experiences are not included on the consumer report but XXXX XXXX is unlawfully reporting transactions and experiences to XXXX, TransUnion, and XXXX ( whom are non affiliated third party companies ). 

Regardless of the many violations, I need XXXX  XXXX to honor my right to exercise the opt out nondisclosure option per 12 CFR 1016 and 15 USC 6802, and no longer report these transactions/experiences to the CRAs especially since the account is PAID IN FULL.

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 2024-12-12 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: GA

Complaint narrative:
I recently reviewed my consumer credit report and noticed some inaccurate items XXXX XXXX has been furnishing that are also in violation of the law including my right to privacy. As a federally protected consumer, i have the right to privacy per the Privacy Act of 1974. The account listed ( in the dispute letter attached ) is reporting inaccurate late payments to non affiliated third parties and I hereby opt out of XXXX XXXX sharing my non public personal information to non affiliated third parties, such as the Credit Reporting Agencies. This is a major violation of the law and major violation to my rights as a consumer acting in good faith with my commercial dealings. These unlawful practices XXXX XXXX is exercising on me as the consumer are causing hardship onto me and the well being of my family. 

Violations mentioned in the attached letter are pursuant to 15 USC 1681, 15 USC 1666b, and 15 USC 1637 ( b ).

Transactions and experiences are not included on the consumer report but XXXX XXXX is unlawfully reporting transactions and experiences to XXXX, XXXX, and Equifax ( whom are non affiliated third party companies ). 

Regardless of the many violations, I need XXXX  XXXX to honor my right to exercise the opt out nondisclosure option per 12 CFR 1016 and 15 USC 6802, and no longer report these transactions/experiences to the CRAs especially since the account is PAID IN FULL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I received a email from XXXX data breach settlement. The email was regarding to a data breach with 147 million customers in 2017. I am one of those customers. I have no knowledge of these debts. I have tried to dispute these debts through XXXX and XXXX for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXXXXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
I use Cashapp aka XXXX XXXX for my direct deposit. They advertise direct deposit is two days faster, I am supposed to be paid this Friday and Cashapp hasnt made my direct deposit into my account. According to XXXX my direct deposit has been submitted to my bank on Wednesday this week. I filed a complaint against Cashapp, so they are holding my direct deposit to retaliate against me.

Company response to consumer: Closed with explanation