vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
On XX/XX/XXXX, I filed CFPB complaint # XXXX against Gurstel Law Firm ( GLF ). In their XX/XX/XXXX response, XXXX asserted I had been properly served, claiming a woman answered the door and repeated knocks were made. This was false my XXXX video proves no service occurred, no woman answered, and no interaction took place. 
-- -- -- -- -- -- -- -- -- -- - Later that same day ( XX/XX/XXXX ), I filed Complaint # XXXX, rebutting XXXX  misrepresentations and demanding proof of service, including the sworn affidavit, original photograph, metadata, and identification of the individual process server. 
-- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, XXXX responded to Complaint # XXXX. Their story shifted. Instead of standing by their prior statements, they admitted they had only reached out to XXXX XXXX for information, effectively conceding they lacked evidence when they made their earlier representations. They further attempted to shield themselves by claiming : Gurstel does not report to the credit bureaus. Gurstel has followed all requirements under Minnesota Civil Procedure and the Fair Debt Collection Practices Act. 
-- -- -- -- -- -- -- -- -- -- - This response is inadequate and misleading. 
-- -- -- -- -- -- -- -- -- -- - XXXX  has now contradicted itself across multiple CFPB filings. 
-- -- -- -- -- -- -- -- -- -- - They have provided no affidavit of service, no photograph, no metadata, and no sworn statement, despite formal demands. 
-- -- -- -- -- -- -- -- -- -- - Their claim that they do not report to credit bureaus is irrelevant. The violations here fall under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), Minnesota XXXX of XXXX XXXX XXXX and XXXX, and XXXX XXXX. XXXX ( XXXX ) prohibiting simulated legal process. 
-- -- -- -- -- -- -- -- -- -- - Gurstel, as a law firm engaged in debt collection, is a debt collector under FDCPA ( XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ) and can not avoid liability by outsourcing service to XXXX XXXX. 
-- -- -- -- -- -- -- -- -- -- - In sum, XXXX  has repeatedly made false and misleading statements to a federal regulator, attempted to evade accountability by shifting blame to a third party, and failed to comply with lawful demands for documentation. Their conduct violates federal law, Minnesota statute, and professional rules of responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/year>, a deceptive, defective sectional was delivered to my home. It was tagged as a red alert which means rooms to go altered the couch to try and fix an issue. In trying to fix the issue they gave me a couch that was defective and not what I paid for! I called to get them to rectify this major issue and they have refused. I spoke to a horrid XXXX named, XXXX ( or XXXX ) on XX/XX/year>, that should never be employed with any type of customer service position ever. She is refusing to help in an way and is lying about why she can't I want a refund on my rooms to go card in the amount of {$1900.00} or a new sectional asap. 

I have since been trying to get XXXX with rooms to go credit to call me back and I am being ignored. I have called her numerous times and I have never received a call back. See my call log attached. 

Per the terms and conditions of sale under the limited product warranty : XXXX warrants that the purchased merchandise will be free from defects in material and workmanship for a period of XXXX ( XXXX ) YEAR from the date of delivery or pickup. The couch in question was delivered XX/XX/year>. 

I want a refund on my rooms to go card in the amount of {$1900.00} or a new sectional asap. 
I would like this completed properly as soon as possible as this is unacceptable.

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 2025-08-21 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: NJ

Complaint narrative:
My mortgage with XXXX Mortgage was paid off in XXXX of XXXX XXXX months later, the balance of this mortgage is still on my credit report. I contacted XXXX several times over the last XXXX  months to resolve with no results. This incorrect information is affecting my credit score and impeding my ability to obtain other credit.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: The Stark Collection Agency, Inc.
State: NC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for failure to properly validate a debt and continuing to report it to credit bureaus. 

I sent a written request for validation, but XXXX did not provide sufficient documentation to prove the debt is valid. Despite this, they continue to report the account, damaging my credit. 

This violates the FDCPA and the FCRA. I request immediate removal of the account from all credit bureaus, investigation of their practices, and enforcement of federal consumer protection laws. 

I have attached copies of my debt validation request, their response, and credit reporting evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Formal Complaint Statement for CFPB / FTC / Attorney General Subject : FDCPA Violations Harassment and Failure to Validate Debt by HARRIS & HARRIS LTD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX XXXX To Whom It May Concern, account # XXXX {$800.00} I am filing this formal complaint against * * \ [ Law Firm Name ] * * for violating my rights under the * * Fair Debt Collection Practices Act ( FDCPA ) * * specifically under * * 15 U.S. Code 1692g * * and * * 15 U.S. Code 1692c * *.

1. * * Failure to Validate Debt 15 U.S. Code 1692g * * The firm has contacted me attempting to collect an alleged debt but has * * failed to provide any legally required validation * * of the debt. Despite my request, they have not : * Provided the amount of the debt; * Identified the original creditor; * Provided verification or any supporting documentation proving their right to collect ; * Honored the 30-day dispute and verification window as required by law.

They are continuing collection activities * * without first validating the debt * *, which is a direct violation of federal law.

2. * * Harassment and Unlawful Communication 15 U.S. Code 1692c * * The firm has also engaged in * * harassing and coercive communication * *, including : * Contacting me at inappropriate times; * Ignoring my request for no further communication; * Using aggressive, misleading, or intimidating language; * Attempting to pressure me into payment without proof or explanation.

Their continued communication after being notified in writing to stop is * * not only unlawful but intentional * *, and it demonstrates a blatant disregard for consumer protections under federal law.

3. * * Requested Resolution * * I am requesting that : * This law firm be * * investigated * * for FDCPA violations; * They be ordered to * * cease all collection efforts * * until they comply with federal validation procedures; * They be penalized for their harassment and non-compliance, and prevented from reporting inaccurate or unvalidated debt to credit bureaus ; * My rights under federal and state consumer protection laws be upheld and enforced.

I am also prepared to take * * legal action * * to seek damages and hold the firm accountable under the FDCPA if this matter is not resolved immediately. 

Thank you for your attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is my third written request demanding the removal of the unauthorized account reported by XXXX XXXX from my credit file. I have already submitted disputes within the last 60 days, yet this inaccurate information remains.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure maximum possible accuracy of the information they report. By continuing to report an unauthorized and unverified account, you are in violation of : FCRA 602 ( 15 U.S.C. 1681e ( b ) ) requiring credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) requiring agencies to conduct a proper reinvestigation of disputed information within 30 days.

FCRA 616617 ( 15 U.S.C. 1681n, 1681o ) providing for civil liability for willful or negligent noncompliance. 

The XXXX account is unauthorized and unknown to me. To date, you have failed to provide me with any documentation or signed contract bearing my authorization for this account. If you continue to report this inaccurate item without producing lawful proof of authorization, you are willfully violating the FCRA.

I hereby demand immediate deletion of this account from my credit file across all reporting systems. If this item is not deleted within the 30-day statutory window from the receipt of this letter, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office , and will consider legal action for damages under FCRA 616617 . 

This is my final notice. I expect written confirmation of deletion. 

Respectfully, 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 2025-08-21 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: LA

Complaint narrative:
This is my third written request demanding the removal of the unauthorized account reported by XXXX XXXX from my credit file. I have already submitted disputes within the last 60 days, yet this inaccurate information remains.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure maximum possible accuracy of the information they report. By continuing to report an unauthorized and unverified account, you are in violation of : FCRA 602 ( 15 U.S.C. 1681e ( b ) ) requiring credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) requiring agencies to conduct a proper reinvestigation of disputed information within 30 days.

FCRA 616617 ( 15 U.S.C. 1681n, 1681o ) providing for civil liability for willful or negligent noncompliance. 

The XXXX account is unauthorized and unknown to me. To date, you have failed to provide me with any documentation or signed contract bearing my authorization for this account. If you continue to report this inaccurate item without producing lawful proof of authorization, you are willfully violating the FCRA.

I hereby demand immediate deletion of this account from my credit file across all reporting systems. If this item is not deleted within the 30-day statutory window from the receipt of this letter, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office , and will consider legal action for damages under FCRA 616617 . 

This is my final notice. I expect written confirmation of deletion. 

Respectfully, 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 2025-08-21 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: FL

Complaint narrative:
Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. 


In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 A states i have the right to privacy Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of the items above. You are required to do what i am asking and block these transaction from being reported to my consumer report WITHIN XXXX  DAYS from the data of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2025-08-21 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT 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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Summary On XX/XX/year>, {$42000.00} was wired from my Capital One personal account to XXXX XXXX XXXX XXXX  ( XXXX ) without my authorization. I do not have an account with XXXX. Capital One locked my account until XX/XX/year>, and only then informed me my claim was closed because XXXX denied a recall on XX/XX/XXXX. This does not resolve my claim. A Capital One fraud representative admitted proper security protocols were not verified. Capital One has refused to provide authentication logs, XXXX records, or recall denial documentation despite my dispute letters of XX/XX/XXXX and XX/XX/XXXX. Under UCC Article XXXX and Capital Ones Wire Transfer Agreement, a wire is only authorized if security procedures are followed. Capital One failed to meet this standard and continues to avoid providing proof. I request immediate recredit of my account, full documentation, and written explanation of their determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am disputing several unauthorized hard inquiries that appear on my credit report. I never applied for credit with these companies, nor did I provide written consent for these inquiries to be made. 

Under the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report for certain permissible purposes, such as when I initiate a credit application or provide written authorization. These inquiries do not meet those requirements, and therefore they are impermissible. 

I submitted dispute letters directly to the credit bureaus requesting removal of these inquiries, but they have not been properly deleted. I am requesting that these unauthorized inquiries be removed immediately, that I be provided documentation of any alleged authorization ( if the bureaus or furnishers claim one exists ), and that corrective action be taken to prevent further impermissible use of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
I am disputing the closed negative collection account for XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), you must have a valid permissible purpose to report this account. You have not provided such proof, and without it, continued reporting is unlawful. The only fair resolution is full deletion of this account from all credit bureaus. If this is not resolved, I will escalate to the CFPB, FTC, my State Attorney General, and the XXXX, and will also pursue legal remedies under the FCRA and FDCPA.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
According to FCRA section XXXX it is illegal to report any information on my credit report. Please remove these inquiries and items for my credit report. XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX 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

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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: TX

Complaint narrative:
To whom It may concern ; This letter results in a demand for validation of the alleged debt {$4700.00} you claim I owe, as required by 15 U.S.C. 1962g [ FDCPA ] and 15 U.S.C.1681 [ FCRA ]. You are hereby notified that I dispute the alleged debt {$4700.00} in it's entirely and demand full validation. Under the Fair Debt Collection Practice Act, I have the right to request the following ; [ 1 ] Full and Complete validation of the alleged debt. [ 2 ] The original signed contract bearing my signature and charge date. [ 3 ] The complete payment history showing how the alleged amount was calculated. [ 4 ] The name and address of the original creditor. [ 5 ] Proof that you are legally authorize to collect in the State of Texas. [ 6 ] Proof of assignment or transfer of debt, to include chain of custody from the original creditor to your agency. [ 7 ] Notarized documentation proving your legal standing to collect this debt, Under U.S.C. 1681b [ Permissible Purpose ], you are also required to demonstrate ; that you had a legal and permissible purpose to pull or report any information regarding this account on my consumer report, reporting unverifiable, inaccurate, or incomplete information to to any credit bureau is a direct violation of 15 U, S, C, 168s-2 [ a ]. The creditor has not provided a signed agreement, detailed billing records, or verified evidence supporting the accuracy of the derogatory data. The continued reporting despite lack of substantiation constitutes willful and negligent noncompliance, which may trigger civil liability under FCRA 1681n and 1681o. The CFPB took action against XXXX XXXX for failing to provide proper disclosures about credit card fees and penalties. This case highlights the importance of transparency and the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
My account has been repeatedly mishandled by Nelnet despite timely payments. 
XX/XX/year> statement : {$730.00} due XX/XX/year>. Payment of {$730.00} was auto-debited XX/XX/year>. 
XX/XX/year> statement : incorrectly showed {$730.00} past due. Corrected only after I called. 
XX/XX/year> : another {$730.00} auto-debited. 
XX/XX/year> statement : again incorrectly showed my account past due. 

My account is not past due. All payments have been made on time. These errors are repeated, unexplained, and create risk of false delinquency reporting. 

I request : 1. Correction of my account to reflect current/on-time status. 
2. Written confirmation that no delinquency has been reported to credit bureaus. 
3. Assurance the issue will not reoccur.

Company response to consumer: Closed with explanation