vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
I am writing to formally dispute a late payment that has inaccurately been reported on my credit report. Upon reviewing my credit reports from TransUnion and XXXX, I discovered an erroneous late payment listed in XX/XX/XXXX. The details of the late payment are as follows : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Status : Open/Never late Last Updated : XX/XX/XXXX Current Balance : {$450.00} out of {$5000.00} Credit Limit As evidenced by the credit report from XXXX, my payment history with XXXX XXXX XXXX XXXX indicates `` Never Late. '' However, TransUnion and XXXX report an inaccurate late payment for the same period. This discrepancy is concerning as it affects my credit standing negatively despite my consistent adherence to payment terms. 

Under the Fair Credit Reporting Act, 15 U.S. Code 1681a, a consumer report is defined as a communication of information by a consumer reporting agency that bears on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Importantly, 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) specifically excludes from the definition of a consumer report any report that contains information solely about transactions or experiences between the consumer and the person making the report. Therefore, reporting information about payments, which are transactions, is prohibited if they are not accurate. 

I maintain that I have never missed a payment with XXXX XXXX XXXX XXXX, and my credit report from XXXX corroborates this fact. Enclosed with this letter are copies of relevant documents, including my Social Security card and driver 's license, to verify my information. 

Therefore, I request that TransUnion and XXXX investigate this matter promptly and correct my credit reports to reflect the accurate payment history for my XXXX XXXX XXXX XXXX account. If proof can not be provided to substantiate the late payment, I demand that it be updated to reflect an accurate and timely payment history. 

Thank you for your immediate attention to this matter. I expect your prompt resolution of this dispute within the timeframe specified by law. 

Sincerely, XXXX XXXX XXXX XXXX Ensure to attach copies of relevant documents mentioned in the letter to support your dispute. This should help in resolving the discrepancy in your credit reports effectively.

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 2024-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
This is a second time I am filing a complaint please refer to the previous file # - XXXX as I am asking to reopen and review with more proof. 
I never got XXXX $ loan from rise and from what now Spring Oaks Capital is accusing me of sending made up amount. 
Please see more attached screen shots for proof. Even a proof of my XXXX XXXX from the original creditor that also shows a different amount. I will dispute this with XXXX and my state attorney general as well They claim and have false papers on the amount that was lended to me from XXXX  who is the original creditor. 
Please see a screen shot from my statement from MY bank with the amount that was loaned to me it is not XXXX. That is the biggest proof as it was a direct deposit. Also whe is the previous documents with payments starting in 2017 as that is when this {$2000.00} was deposit to me. Not once I had received XXXX. So that is all a LIE. See attached sheets with deposit dates amounts and payments dates from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX , & Equifax are reporting several late payments that are not correct neither consumer agency can lawfully verify any late payment because it would be a violation of my privacy rights. XXXX Account # XXXX should be updated immediately. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, Experian XXXX XXXX XXXX are reporting several late payments that are not correct neither consumer agency can lawfully verify any late payment because it would be a violation of my privacy rights. XXXX Account # XXXX should be updated immediately. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-06-30 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
XXXX XXXX ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX and XXXX ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX XXXX Texas ran my credit without my knowledge on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: NY

Complaint narrative:
I am writing to formally to disputing all allegations of debt that Omega RMS is claiming I owe XXXX XXXX XXXX. Omega is reporting on my consumer credit report that I owe. XXXX XXXX XXXX {$2000.00} plus. I demand that, Omega. RMS removes the allegation off my credit report Immediately are Ill be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please get rid of these inquiries. I don't know about them, and the company made the changes without my consent.

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 2024-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately. 
I am hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-06-30 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: MI

Complaint narrative:
Several requests over the past year have been sent to have these inaccurate items removed from my credit profile. 
I have not received any response to my requests nor has anyone tried to help me. 

I am being financially injured and I need this data removed from my file immediately. 
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 non-monetary relief
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
Several requests over the past year have been sent to have these inaccurate items removed from my credit profile. 
I have not received any response to my requests nor has anyone tried to help me. 

I am being financially injured and I need this data removed from my file immediately. 
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 non-monetary relief
Consumer complaint received 2024-06-30 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: KY

Complaint narrative:
Describe el problema I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
incorrect information on my credit 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 non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
XXXX claim addendum. 

American Pacific Mortgage is the original lender on this complaint. 

They worked with realtors on this deal. 

APM Mortgage lender, guaranteed in writing that I owned the land, as well as ( sellers ) and realtors XXXX XXXX XXXX XXXX ( buyers realtors ). Said it is a XXXX property ( Also XXXX XXXX XXXX and seller 's nephew/ or son - disclosed during escrow ) posted the XXXX listing that the property is " nestled on its own land ''. But later discovered I only have " exclusive right to use '' the land. see below from the HOA President this week : Right of use. In your trust deed you will find the clause that says we own XXXX of XXXX acres which is the complete park, with a clause that you own the exclusive use of your own lot, meaning any thing within that area and any one that enters the property must have permission ( except emergencies ) to enter. In the eyes of the legal system this means you own your property. 

Hi Does " exclusive rights '' mean " right to use '' or " own entirely '' You have exclusive rights to your property from the center of your north fence to the curb and from the center of your fence on the south to center of your fence on the north. 


Realtors used inspector from their own roster and did not honor my request to use the inspector I chose.

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. There are several names and addresses listed that do not belong to me. I have previously disputed these accounts and the consumer agencies claimed to have verified the information as belonging to me based on a creditor reporting the information. This has nothing to do with me and I am not required to follow up with any creditor its the consumer agencies job and I have proof that the address are not mine. I provided verification of my address and my identification to prove what I am stating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. There are several names and addresses listed that do not belong to me. I have previously disputed these accounts and the consumer agencies claimed to have verified the information as belonging to me based on a creditor reporting the information. This has nothing to do with me and I am not required to follow up with any creditor its the consumer agencies job and I have proof that the address are not mine. I provided verification of my address and my identification to prove what I am stating.

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 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: AR

Complaint narrative:
Account number XXXX AvantLLC/XXXX XXXX Is reporting false information on my credit report showing I have a balance of XXXX this account was added to my XXXX XXXX and was discharged on the bankruptcy rules and regulation, all accounts are supposed to show a XXXX balance. I have reached out to this creditor several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stewart Information Services
State: NM

Complaint narrative:
A XXXX  party is claiming rights of possession, XXXX XXXX XXXX, a broker at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX we were shookenn up by an unanounced search and seizure by the XXXX XXXX XXXX police on a pending case of title dispute/forgery, duress, where parties have not complied in returning the warranty deed of XXXX XXXX and XXXX XXXX to XXXX XXXX nd XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for the XXXX already collected plus the XXXX given to XXXX XXXX  XXXX prior the XXXX  servicer sold the loan for collections to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting an allege late payment on the account XXXX XX/XX/XXXXXXXX Account # XXXX the late payment is listed in the month of XX/XX/year> and Experian is the only consumer agency reporting this late payment. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XX/XX/XXXXdays before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XX/XX/XXXXdays before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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