vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased an American Express gift card for {$500.00} back in the beginning of XX/XX/year>. When I tried to use it at a retail store the NEXT DAY, it was declined. After it was declined, I called into AMEX customer support and was told the card had been corrupted and they would have to send me another card. After not receiving the card for XXXX weeks, I called back to check on the status of the package. They informed me that the card had been used in the full amount and they would need to launch an investigation in order to send a replacement. I agreed to the investigation thinking it would take no more than XXXX days. After XXXX days of hearing nothing, I called back and was told that the standard response time for these investigations is XXXX days and they are unable to escalate the case until the XXXX day window ( a window/time frame that I never agreed to originally ). It is now mid XXXX ( XXXX day ) from when they launched the investigation. When I called in today, the supervisor told me that theyre unable to escalate until the investigation goes beyond the XXXX day window. In short, I spent {$500.00} with Amex over XXXX months ago and have yet to be able to use my card through no fault of my own. AMEX Support continues to disregard my claim and do absolutely nothing to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I been banking with my cashapp a few years. Have money that comes into my account which I send my children money to their accounts. I used my card one day the following day Im block access to my card and digital card but can only be allowed money to come into and transfer to a card already linked. Its nonsense I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX 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/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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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!

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XX/XX/year> [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, ZIP Code ] Subject : Debt Validation Request Account Number : [ Your Account Number ] Dear [ Debt Collectors Name ], I am writing to you in response to a notice I received regarding an alleged debt with the account number referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt. Please note that this is not a refusal to pay, but rather a request for clarification and verification of the debt. 

Please provide the following information : 1. Proof that you have the legal right to collect this debt ( including a copy of the original creditors agreement and any transfer of ownership ).

2. Detailed account information ( including the original amount of debt, any fees or interest added, and the date the debt was incurred ).

3. Proof that I am legally obligated to pay this debt ( such as a signed agreement or contract ).

4. A copy of any judgment, if applicable.

5. The name and address of the original creditor ( if different from the current creditor ). 

Please provide this information in writing within 30 days of receiving this letter. If you are unable to provide adequate validation, I request that you cease all collection activity and remove any negative reporting related to this debt from my credit report. 

Please also note that all future communication regarding this matter should be conducted in writing. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: AL

Complaint narrative:
Valon Mortgage recently purchased the servicing rights to my mortgage. 
I received a homestead property tax exemption last year which lowered my tax liability by {$4000.00}. 

Valon Mortage notified me that they are increasing my payments by {$4000.00} per year because they use the previous year 's tax bill to estimate the 2025 bill. I have provided them with documentation from the County Revenue Commission showing that I have a lowered tax liability for XXXX, but they refuse to accept it stating that the only documentation they will accept is the tax bill that comes at the end of the year. 

Valon is going to overcharge me for an entire year even though they KNOW that my tax liability will not be the same as last year. If you look at the complaints against Valon on the Better Business Bureau, it seems that Valon commonly engages in overcharging their customers who have very little recourse against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report the complaint on the following date : XX/XX/year>2024. I am now requesting you investigate and provide verifiable proof- with records- showing that I had late payments. If this information can not be verified, I demand these payments be updated to 'paid on time ' immediately. Thank you for your understanding and prompt action.

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 2025-03-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report the complaint on the following date : XX/XX/year>2024. I am now requesting you investigate and provide verifiable proof- with records- showing that I had late payments. If this information can not be verified, I demand these payments be updated to 'paid on time ' immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TN

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts listed as inaccurate : XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX 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 2025-03-19 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:
HELLO MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE STOLE MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME

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 2025-03-19 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: GA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE STOLE MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE STOLE MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME

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 2025-03-19 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:
unauthorized inquiries on my Experian Account that I demand for immediate attention XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filled out a FTC Report I demand these Fraudulent Inquiries Be DELETED IMMEDIATELY and to be sent an updated consumer report to the address that I have on file with the CFPB A recent report shows that... 
" CFPB Sues Experian for Sham investigations of Credit Report Errors XX/XX/XXXX Experian has not properly been investigating my accounts and reinserting them back onto my consumer report/profile " 15 USC 1681 ( i ) ( a ) 1 challenges the XXXX day response time 15 USC i ( a ) 6 ( B ) 3 Challenges investigation protocols 15 USC 1681i ( a ) ( 5 ) B Challenges reinsertion protocols THEREFOR I demand that these Unauthorized Fraudulent HARD Inquiries be removed from the consumer report associated to me immediately XXXX XXXX and 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 2025-03-19 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: MI

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE FRAUDULENT ACCOUNTS ON MY REPORT PLEASE REMOVE ACCOUNTS FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDITED

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 2025-03-19 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:
This morning, I came across inaccurate accounts on my credit report, and I have no idea how they got there. As part of my routine check, I reviewed my credit report, only to find unexpected discrepancies. I even refreshed my browser, hoping it was just a temporary glitch, but the errors remained. Due to this issue, I am requesting a thorough review of the documents I submitted so I wont have to worry about this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rosenberg & Associates Recovery Services
State: NJ

Complaint narrative:
I am receiving calls from a company named Rosenberg & Associates Recovery, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. They called my phone three times a day, even after I informed them that the alleged debt from XXXX with the XXXX department clothing store was FRAUD or ID theft. Also, the business filed XXXX XXXXXXXX and was closed in XXXX. 

https : //rosenbergrecoveryservices.com/

Company response to consumer: Untimely response
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

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 2025-03-19 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, Michigan XXXX Email : XXXX Phone : XXXX [ Today 's Date ] Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Accounts & Inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute unauthorized accounts and inquiries appearing on my credit report, which I believe resulted from identity theft. In accordance with 15 U.S.C. 1681c-2, I am requesting the immediate blocking and removal of the fraudulent information. 

Details of Fraudulent Accounts & Inquiries : The following accounts and inquiries were opened without my knowledge or consent : XXXX. XXXX XXXX XXXX. 


XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. 


XXXX. XXXX XXXX XXXX ( duplicate entry if separate account ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX These accounts and inquiries are fraudulent, and I request their immediate removal from my credit report. 


Under 15 U.S.C. 1681c-2, you are legally required to block this fraudulent information from my credit report within four ( 4 ) business days of receiving this request. Additionally, please notify the creditors listed above that these accounts and/or inquiries are fraudulent and must be removed from their records. 

Please provide written confirmation once these fraudulent items have been removed. If you require additional information, please contact me at the information provided above. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Filing complaint regarding JPMorgan chase buyback offer for XXXX XXXX vehicles following XXXX 's bankruptcy. Chase is offering significantly lower buyback for XXXX XXXX XXXX owners compared to XXXX XXXX XXXX owners, despite both trims being identical and having same MSRP. 

I purchased a XXXX XXXX XXXX XXXX through XXXX XXXX, operated by JPMorgan Chase. My loan agreement was signed XX/XX/XXXX and took delivery XX/XX/XXXX. Both vehicles were manufactured and delivered at the same time. Some XXXX XXXX XXXX owners purchased their vehicles for less, as low as {$55000.00}, yet they are receiving much higher trade in offers, Chase Unfair Buyback Offer - On XX/XX/XXXX, I received offcial buyback offer from Chase for {$36000.00} for XXXX XXXX. 
- XXXX XXXX XXXX were offered amounts exceeding $ XXXX {$59000.00}. Both trims are identical. Chase is offering offering XXXX XXXX owners {$20000.00} less. 
- Chase valuation methods appear to be inconsistent and unfairly prejudiced against XXXX XXXX XXXX owners. 

Unfair Lending or Trade Practices- Chase originated the loans for both trims and now appears to be disproportionately undervaluing XXXX XXXX vehicles - This raises concerns about potential unfair trade practices, as it is financially punished on group of customers over another for not legitimate reason. 

Requested Action- I urge the CFPB to investigate Chase 's buyback valuation process and require them to : XXXX. Provide transparency on how they arrived at these inconsistent valuation figures. 
XXXX. Adjust buyback offers for XXXX XXXX XXXX owners to be consistent with XXXX owners. 
XXXX. Ensure no unfair trade practices were applied to XXXX XXXX owners. 

Appreciate the quick attention to this matter. Please reach out with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from the advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my consumer report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all the listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : Account XXXX : XXXX XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX  in Account # 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 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g and 15 U.S.C. 1692c, I request that you immediately investigate and verify the validity of this debt or delete this account from credit report. I have reason to believe that this account may have been reported without proper communication or in violation of my rights under 15 U.S.C. 1692c. I believe that I have not been properly notified, and the collection efforts may have occurred outside the scope of permissible communication, thus violating my consumer rights. In accordance with these provisions, I request the immediate deletion of this account from my credit report unless the account can be verified with supporting documentation in compliance with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation