vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I made XXXX payments on my Indigo card. XXXX and XXXX on XXXX. I paid using my checking account. On Indigo payment line it says any payment made before XXXX will post the next business day. I made both these payments before XXXXXXXX XXXX on XXXX. I called today and I asked a supervisor why my credit will not be available for use until XXXX ; according to a representative. The supervisor said just because the recording says it will be available the next business day does not mean it will be. I can use XXXX XXXX and credit will be available the same day. This company needs to be investigated. This company is preying on people who are trying to rebuild their credit. XXXX annual fee, credit is not available when needed. There is over XXXX complaints on the BBB website about this company. I have never missed a payment or been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/2024, I purchased an item at XXXX worth {$110.00}. I used the XXXX  application called Afterpay with I have used beforehand for many purchases at XXXX and at varying other locations. I returned the item at XXXX XX/XX/2024 and about a week later I contacted Afterpay as the refund has not processed. They said that I would have to wait a couple more days or I would need to contact where I purchased the item from to receive more information regarding this issue. I contacted XXXX approximately XXXX weeks after refunding my item and has said that the refund was still processing. On this day XX/XX/2024, i contacted XXXX again to see what the issue was as I have not received my refund from my purchase and they told me to contact Afterpay which I did. Afterpay then told me that the refund process was not sent by XXXX and thus I can not receive a refund in my purchase which I returned. I then contacted XXXX who said that they indeed sent the request for the refund and that it was up to Afterpay to accept the request or the system to refund the amount which I paid for which I sent to Afterpay in an email. They then said that I would have to contact XXXX again as they have not received anything and it has been a back and forth of both companies sending me to send emails to each other, however I do believe its an issue regarding Afterpay as they are not giving much help referring this issue and are refusing to elaborate on what I should do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-05 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: MA

Complaint narrative:
I reviewed my credit report as I do monthly. I saw 5 hard-credit inquiries on XXXX. looking further I saw 2 on TransUnion, and XXXX on XXXX. The dates are between XX/XX/XXXX and XXXX. I contacted XXXX  XXXX in which I have an account and they were very helpful. They said someone online requested an auto loan. 
The other banks in which I don't have accounts they were much less willing to help. They were XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Seeing that XXXX different banks were contacted in three days requesting loans I am very worried about identity fraud.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I reviewed my credit report as I do monthly. I saw 5 hard-credit inquiries on XXXX. looking further I saw XXXX on XXXX, and XXXX on Equifax. The dates are between XX/XX/XXXX and XXXX. I contacted XXXX  XXXX in which I have an account and they were very helpful. They said someone online requested an auto loan. 
The other banks in which I don't have accounts they were much less willing to help. They were XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  Seeing that XXXX different banks were contacted in three days requesting loans I am very worried about identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Noticed late payments on recent credit report review ; these dont align with my typical on-time history. Please correct these errors.

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 2024-11-05 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: PA

Complaint narrative:
I am requesting your assistance with the incorrect account being reported on my credit report. This issue has harmed my reputation as a customer, and I need your help. I want these accounts removed due to their false and negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: GA

Complaint narrative:
I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) take action under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to Section 605B ( 15 U.S.C. 1681c-2 ), to compel Experian to block fraudulent information appearing on my credit report within four business days of receipt of this complaint. Due to a data breach, my personal information has been compromised, leading to identity theft and the unauthorized opening of accounts in my name and without my knowledge or consent. I have no knowledge of or any association with these accounts, nor did I grant permission for any transactions related to them. These accounts are a direct result of identity theft and are fraudulent in nature. The Fraudulent accounts consist of loans opened at 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 The breach has caused considerable distress and inconvenience, impacting my financial reputation and causing harm to my credit report. Pursuant to FCRA Section 605B, I am formally requesting that the CFPB require Experian to immediately block and remove the fraudulent accounts and information from my credit report. The law clearly mandates that a consumer reporting agency must block such information within four business days upon receipt of a valid request. I have attached a copy of the FTC report, complaint number XXXX as proof from the US Federal Trade and Commission and other supporting documents. The presence of these fraudulent accounts is damaging my creditworthiness, and I urge immediate intervention to ensure that Experian complies with its obligations under FCRA Section 605B.

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 2024-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: HI

Complaint narrative:
Firstly, Roundpoint servicing did not pay my insurance, after several months of confusion and ineptitude, and things simply NOT getting done and trying to sort it our, they finally paid it XX/XX/2024 ( it was due XX/XX/2024 ). Then, I receive a notice from my insurance broker today, XX/XX/2024, that the insurance was still not paid!! I called Roundpoint who then said that the insurance check was returned in XXXX. They did not notify me when my insurance payment was returned!! My loan was trasfered to XXXX XXXX XXXX  in XX/XX/2024, they had no knowledge that my insurance was not paid. Roundpoint then explained that the returned insurance payment was wired to XXXX on XX/XX/XXXX, again... NO ONE informed me of this, this is an {$8400.00} Insurance payment, my {$8400.00} is just floating around, no one has informed me and meanwhile, my insurance has not been paid!!! It's 11 months into the year!! 

XXXX receives the wire from Roundpoint and doesn't ask what it is for, not do they contact me and inquire why Roundpoint has sent them {$8400.00} two months AFTER the account transferred and my monthly payment also goes up by almost {$400.00} and no one can explain sufficiently to me why. These companies are a MESS and this is my MONEY!! And these companies should be more responsible and easier to work with. They provide inaccurate information and often don't seem to know how to explain things. Additionally, when I asked Roundpoint for written evidence of the returned check and written proof that they had wired it to XXXX, they said, " no, they can not provide written evidence ''. Again, I am now 11 months late on my insurance payment due to the incompetency at Roundpoint, and it's messed up my escrow account at XXXX and I am currently paying {$400.00} more per month as a result, this is money and its causing some financial issues for me and it's unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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. 


XXXX XXXX TRANSUNION 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! 


Update the late payments from my consumer reports

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 2024-11-05 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: MD

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


XXXX EXPERIAN 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!

Update the late payments from my consumer reports

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 2024-11-05 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: CA

Complaint narrative:
XXXX  marked me from being paid to 90 days late several times throughout. my student loans. I have had government jobs that kept them deferred or in forbearance or in school. the were never. deffaulted or late. i was charged fees and interest on deferred loans as well as the credit reporting being from paid to 60d days late or from paid to 90-120 days late then paid. Now they are paid and they still have not corrected this error.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  marked me from being paid to 90 days late several times throughout. my student loans. I have had government jobs that kept them deferred or in forbearance or in school. the were never. deffaulted or late. i was charged fees and interest on deferred loans as well as the credit reporting being from paid to 60d days late or from paid to 90-120 days late then paid. Now they are paid and they still have not corrected this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  marked me from being paid to 90 days late several times throughout. my student loans. I have had government jobs that kept them deferred or in forbearance or in school. the were never. deffaulted or late. i was charged fees and interest on deferred loans as well as the credit reporting being from paid to 60d days late or from paid to 90-120 days late then paid. Now they are paid and they still have not corrected this error.

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 2024-11-05 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: NY

Complaint narrative:
Unauthorized inquiries appear on my credit report, breaching 15 USC 1681b ( c ) ( 2 ) and harming my credit. I request their removal. 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 2024-11-05 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: TX

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-11-05 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: PA

Complaint narrative:
I need your support in addressing this false account on my credit report. This has impacted my standing as a customer, and I would appreciate your help. These accounts should be taken off due to the inaccurate and negative reporting.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Child Support Enforcem / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management keeps contacting me and sending letters threatening to sue me when I asked them repeatedly to please stop. 
Midland Credit Management was informed & notified since XXXX that XXXX XXXX XXXX is currently handling my debts, and I do not have any money. 
However, Midland Credit Management claim they've contacting XXXX XXXX XXXX around XX/XX/XXXX, and were informed that I was dropped from the program... which is completely false! On XX/XX/XXXX, I contacted XXXX XXXX XXXX who denied their claims or ever speaking with anyone from Midland Credit Management, and also provided me with a letter of " good standing '' for my records. 
Midland Credit Management is causing me a lot of stress. Their constant threats to sue are very stressful, and I feel like they're violating my consumer rights. They also lied & tried to disassociate me with The XXXX XXXX XXXX to justify their bad business practice & tactics, so they can continue harass and intimidate me.

Company response to consumer: Closed with explanation