vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Formal Complaint Regarding Gurstel Law Firm , P.C . Debt Collection Practices Violation of Fair Debt Collection Practices Act ( FDCPA ) Failure to Validate Debt and Harassment Complaint Details : XXXX. Certified Correspondence Sent : Tracking Numbers from the US Postal Service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purpose : To formally request debt validation and dispute the validity of the alleged debt. No response to the debt verification/validation received from Gurstel Law Firm, PC ( debt collectors ). 

XXXX. Alleged Violations : Failure to Validate Debt : Despite multiple requests via certified mail, Gurstel Law Firm , P.C . has not provided legally required documentation ( e.g., original contract, payment history, or chain of custody ) to substantiate the debt. US Postal Service Tracking Numbers provided above. 

Harassment : Continued collection attempts, including litigation, without proper validation constitute harassment under FDCPA 806 Unlawful Court Action : Pursuing a lawsuit to collect a debt the consumer disputes as invalid, without prior validation, violates FDCPA 807 3. Requested Actions : Immediate cessation of all collection activities.

Formal investigation into Gurstels compliance with FDCPA requirements. 
Documentation of the debts validity to be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am filing this complaint against the U.S. Department of Education ( DOE ) regarding mishandling my Public Service Loan Forgiveness ( PSLF ) reconsideration requests. 
My most recent reconsideration request ( Case # XXXX ) was denied within XXXX minutes of submission, with a generic response stating my request was not permitted under the XXXX program, despite my detailed explanation of MOHELAs administrative failures and the financial hardship caused by XXXX unauthorized withdrawing {$1500.00} worth of payments from my account during a federally issued forbearance period when they were not authorized to take money from me. 

The DOEs refusal to fully address my concerns or provide a detailed explanation for their decision is unacceptable, especially as I am only XXXX payments away from full XXXX forgiveness. 

My issues include : Repeated administrative failures by XXXX, including day long hold times, call disconnections, and XXXX year delayed refunds that caused me to complain using multiple CFPB and DOE complaints as well as a complaint to my bank, XXXX XXXX. 
The DOEs unwillingness to consider XXXX negligence in my XXXX eligibility review, despite clear documentation of financial and emotional harm. 
The inappropriate suggestion to buy back XXXX credits, which would unfairly require additional payments due to circumstances beyond my control. 
I am requesting the CFPB investigate the DOEs handling of my PSLF requests, including : Ensuring a thorough review of my case, considering the documented administrative failures by XXXX. 
Preventing further denial without clear, evidence-based reasoning and a specific pathway to XXXX forgiveness. 
XXXX the DOE accountable for providing accurate information and fair consideration of borrower hardship.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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.

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 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
XX/XX/XXXX one main bright card sent me an email saying that I missed my automatic payment with one main bright way. I went online and I noticed that I wasnt the only person having this problem apparently in XXXX one main financial had a huge problem with everyones account it took me approximately 10 emails And a phone calls and screenshots to show them that my payment was taken out of my bank and even on their portal it showed that my payment was taken out. I asked for this to be reversed to get rid of the late payment that shouldve never been on my account because the payment was made by them taken out by them on time from my checking account. After about 11 days, they fix the mistake, but they did not adjust the compounded interest that this error had caused. To make matters worse in XXXX I took myself off of auto pay because I did not trust them anymore Because I noticed on my XXXX statement to my minimal payments are $ XXXX {$30.00} at most was {$100.00}. My XXXX statement was printed after the XXXX mistake. I requested an audit of my account I sent them screenshots emails phone calls absolutely zero response. The only response I get from this company is to remind me that I miss my XXXX payment Totally disregard any of the correspondence that I have sent this company over and over again. I will not wait on the hold line for approximately eight hours. I will not speak to your agent who can barely understand comprehend what Im trying to express using common in XXXX. I want this matter rectified and I want my account closed. When I first set up this card, I also asked to be removed off automatic payment. They told me that they wouldnt do this and they wouldnt allow it. I can prove that to you as well because I have email stating as such which went against consumer, financial protection, bureau, rules, and regulations. A year later now theyre letting people take themselves off auto pay. I wonder if a class action lawsuit has anything to do with it. I want my account audited and I want it closed. I do not trust you anymore. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: VA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2025-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
My student loans were forgiven pursuant to XXXX XXXX XXXX XXXX in XXXX of XXXX. I received a message, an email and the Mohela website reflected a {$0.00} balance on my account. This was not reported to the major credit bureaus and my credit report shows that I still have an outstanding debt of {$230000.00}. My credit score is significantly impacted by this and I can not get a loan for a home. 

When I now go to Mohela 's website, my account no longer exists and I am unable to obtain any documentation to prove my loans have been forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UPGRADE, INC.
State: IN

Complaint narrative:
I opened in late XXXX stating my Upgrade account is now 95 days past due in the amount of {$85.00} and requires my immediate attention to avoid charge off. The letter further stated I needed to contact Upgrade by XX/XX/XXXX2025 to avoid charge off. My mother was seriously ill and passed away on XX/XX/XXXX. This is why id did not open the letter until after XX/XX/XXXX/25 -- the letter was dated XX/XX/XXXX and like arrived around her date of death. Upgrade never sent notices of debt by email or physical copies. I have not record of the balance owed from Upgrade, but was told on a call that the only notice of debt sent to me was the XX/XX/XXXX letter. I was unaware the card was activated or used. The lack of notices of the debt kept me from paying this debt. On the call, Upgrade also told me they tried to call. Again, my phone has a spam filter. They should sent a timely notice of the debt owed to me, including the full balance of debt. I never received any notice of the debt until the XX/XX/XXXX letter threatening charge off that contained no balance information. When I called twice, the told me the balance is {$480.00}, but would not provide me details on the debt by mail or take my payment. Both times I asked to speak to someone to pay the debt and talk about the lack of notice and they refused to talk to me. They said this debt would be sold now that it is a charge off. I do not want a collection and charge off on my credit because the failed to notify me of the amount owed and properly bill me. Again, I tred to pay the balance after the XX/XX/XXXX25 date twice to avoid impact on my credit report, especially for such a low balance, and they would not give me details of the charges or let me pay the balance to avoid harmful impact on me. They said the only thing I can do is call on XX/XX/XXXX25 for the " debt sale '' as they are selling it to the highest bidder then. This is not fair or legally compliant practices. I have a right to timely notice of my debt, including the balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-24 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: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$1200.00} XXXX Account # XXXX date opened XX/XX/XXXX bal. {$140.00}. Inquiries : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-02-24 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: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$1200.00} XXXX Account # XXXX date opened XX/XX/XXXX bal. {$140.00}. Inquiries : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: DISCOVER BANK
State: PA

Complaint narrative:
The following Discover Account # XXXX for balance of {$7.00} was disputed and still showing on my credit report. This account was charged off and still shows a past due balance on the account. That is a violation if this account was charged off was cxl there should be no balance reflected on my credit report a charge off means the debt was cancel. This is reporting negatively on my report and is affecting my score please delete off my credit report due to reporting inaccuracies and per U.S. code 1681 ( c ) please update and delete. I sent various letter and sent many disputes this company does nothing was updated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: Self Financial Inc.
State: GA

Complaint narrative:
I never received a {$11.00} dollars utility nor a {$180.00} phone bill loan from SELF at all and I want it removed from my credit report. I paid $ XXXX monthly and {$6.00} for SELF to add on the bills I payed. I never received a closed account notice or a refund of the amount I paid on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The following Captial One Account # XXXX for balance of {$1800.00} was disputed and still showing on credit report. This account was charged off and still shows a past due balance on the account. That is a violation if this account was charged off was cxl there should be no balance reflected on my credit report a charge off means the debt was cancel. This is reporting negatively on my report and is affecting my score please delete off my credit report due to reporting inaccuracies and per U.S. code 1681 ( c ) please update and delete. I sent various letter and sent many disputes this company does nothing was updated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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