vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I am filing a formal complaint regarding the unauthorized access of my student loan records by staff members of the XXXX XXXX XXXX XXXXXXXX ( XXXX ). This access occurred without my consent, violating my rights under federal privacy laws, including the XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ), as well as the terms of my student loan agreement with AIDVANTAGE. Given the serious nature of this breach, I request an immediate investigation into the matter. 

Details of the XXXX XXXX : I recently became aware that XXXX  staff accessed my personal student loan records without my authorization. These records contain sensitive financial and personal information, which is protected under my loan servicers terms of service. The unauthorized access violates the agreement that my personal and financial information would only be accessed by authorized parties and used solely for servicing my loans. Below are the details of the loans that may have been accessed : XXXX. Loan XXXX : Total Balance : {$24000.00} Loan Servicer : AIDVANTAGE School Name : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX ( XXXX  ) Next Payment Due : XX/XX/year> XXXX. Loan XXXX : Total Balance : {$26000.00} Loan Servicer : AIDVANTAGE School Name : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX ( XXXX  ) Next Payment Due : XX/XX/year> XXXX. Loan XXXX : Total Balance : {$14000.00} Loan Servicer : AIDVANTAGE School Name : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX ( XXXX ) This violation has caused me significant concern regarding the security of my financial and personal data. I request a prompt response detailing the steps CFPB will take to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to address a serious issue regarding my Capital One account, which I opened in XXXX. I deposited funds into my savings account, including a few stimulus payments I had received, and in XXXX, I was notified that my account would be closed, and a credit balance refund check of {$9000.00} would be issued to me. 
However, after several months of not receiving the refund check, I contacted Capital One and was informed that the check had been returned to you. To have my address updated and the check reissued, I was asked to provide a government-issued ID. At that time, I was incarcerated, having been in prison since XXXX. I explained this situation to several representatives who assured me that I would need to visit a branch in person once I was released, provide my ID, and a new check would be issued. 
I was released from prison on XX/XX/XXXX. On XX/XX/XXXX, I visited my local Capital One branch, where I provided my ID and explained my situation to the teller. The teller contacted the back office, and I was told that a case ( Case # XXXX ) would be opened to ensure a stop payment was placed on the check and that it would not be cashed. I was initially advised that the matter would be resolved within XXXX business days. However, a week later, after making daily calls to follow up, I was informed on XX/XX/XXXX, that the case had been closed because the check was marked as cashed. 
I was not contacted in any way regarding the closure of the case. I only discovered this by calling to inquire about the status. When I spoke with a XXXX, I was told that they could not provide any further details about the case. No information was shared regarding who cashed the check, when or where it was cashed, or any details about the transaction. Given that I have been incarcerated and could not have cashed the check, I am extremely concerned that the check was fraudulently cashed. 
The manager opened a new case ( Case # XXXX ) and informed me that I should expect a response within XXXX days. This delay is unacceptable, and I feel I am being given the runaround. I am extremely frustrated that Capital One has not assisted me in addressing this fraudulent activity and that the {$9000.00} refund check was cashed by someone else while I was incarcerated. 
I would like to urgently receive the following : A thorough investigation into the circumstances surrounding the fraudulent cashing of my check, including the date, location, and person who cashed it. 
A detailed explanation of why my case was closed without any notification or updates. 
The reissuance of my {$9000.00} refund check as soon as possible. 
I would also appreciate clear guidance on how I can appeal this decision and recover my funds. As all deposits are FDIC insured, I expect Capital One to take appropriate action in reissuing the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX  accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
I am writing to formally dispute the following items on my credit report, which I believe are fraudulent and were not authorized by me. 

Fraudulent Account ( XXXX ) : I have noticed the following account ( XXXX ) listed on my credit report that I did not open, authorize, or benefit from : XXXX XXXX XXXX  account number : XXXX. 
Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX account number : XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  account number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  account number : XXXX Date Opened : XXXX XXXX, XXXX I believe these accounts are the result of identity theft or a mistake. Please investigate this matter and remove the account ( XXXX ) from my report as soon as possible. 

Hard Inquiries : I have also noticed the following hard inquiry on my credit report, which I do not recognize or authorize : Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Please investigate this inquiry and remove it from my report if it was made without my consent. 

In support of my claims, I have attached a copy of my government-issued ID, proof of address, and any other documentation that XXXX assist in the investigation.

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 2025-03-14 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: Early Warning Services, LLC
State: LA

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding an account reported by XXXX XXXX, account number XXXX, which appears on my credit report with a derogatory status, charge-off, and past-due balance of {$790.00}. This dispute is submitted under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, which prohibits unfair or misleading debt collection and reporting practices. 

Dispute Details : XXXX. Potential Inaccurate Reporting : The account was opened on XX/XX/XXXX, yet it is already marked as charged off and reported as a profit and loss write-off as of XX/XX/XXXX. 
A charge-off usually occurs after XXXX days of delinquency for revolving accounts. The timeline suggests premature reporting, which violates XXXX XXXX. XXXX ( XXXX ) ( misleading representation of debt ). 
XXXX. Violation of XXXX XXXX. XXXX ( XXXX XXXX Rights ) : I have not received proper validation of this debt, including the original creditors breakdown of charges, proof of delinquency, and notice of my right to dispute. 
If this debt was transferred to a collection agency, I have not been properly informed, as required by law. 
XXXX. Potential Violation of XXXX XXXX. XXXX ( Unfair Practices ) : The account was reported with a balance of {$790.00}, but no supporting documentation has been provided to justify the amount. 
If the balance includes unauthorized fees or interest, this could constitute an unfair collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Recently, XXXX XXXX and XXXX  personnel breeched privacy and accessed personal student Lon information violating privacy agreements. XXXX is not an established government agency, created through an act of XXXX, XXXX and other employees have gained access to multiple information repositories, including those of the Department of Education, allowing unvetted individuals to not just access but also to do unknown things without supervision to the information. XXXX such employee has posted government secrets and private information to a publicly facing webpage. 

This is a breech of agreement, and should nullify every student loan currently carrying a balance. I am officially lodging this complaint to stop these invasions of privacy as well as to stop any future harm from this egregious leak of personal credit information.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-14 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: EdFinancial Services
State: VA

Complaint narrative:
XXXX XXXX and XXXX  have illegally accessed my student loan information through government systems they did not have security clearances for. This is a violation of the terms and conditions of my student loans, and I wish to have them cancelled because of this breach of contract in order to protect my private information from unsolicited third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: NY

Complaint narrative:
My loan information was shared without my consent. XXXX XXXX and XXXX are not authorized and never were authorized to view or use my personal information. I am fearful of how an unelected official may use my information viewed and obtained, in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Cash App for withholding my funds and failing to provide a valid resolution. I originally borrowed {$400.00} through Cash App 's Borrow feature. When I repaid the loan, Cash App deducted {$380.00} from my account instead of the full {$400.00}, leaving {$12.00} unaccounted for. Additionally, after repaying my loan, my Borrow balance showed {$300.00} available, but Cash App is blocking me from accessing my funds until XX/XX/XXXX without prior notice or a valid reason. 

I have repeatedly contacted Cash App support via chat and phone calls, but they refuse to let me speak with a supervisor. Instead, they keep creating new cases and providing generic responses that do not resolve my issue. I have been told that my case has been escalated multiple times, but I have not received any clear explanation or timeline for when my funds will be accessible. 

Cash Apps actions are preventing me from accessing my own money, which I urgently need. They are failing to provide adequate customer service and are withholding funds unfairly. This is an unacceptable business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: OR

Complaint narrative:
Urgent Complaint : Unauthorized Access to My Student Loan Information I am writing to formally report a serious violation of my privacy and data security regarding my student loan information. I have reason to believe that my personal loan details have been illegally accessed and viewed by unauthorized parties, specifically XXXX XXXX and XXXX. 

This constitutes a blatant breach of my rights under federal data protection laws, including the Family Educational Rights and Privacy Act ( FERPA ) and any applicable consumer protection regulations governing the confidentiality of student loan information. Unauthorized access to such sensitive financial data is unacceptable, and I demand immediate action to investigate this matter and prevent further breaches.

I request : XXXX. A full investigation into how my student loan information was accessed. 
XXXX. Identification of any and all parties involved in the unauthorized viewing of my records. 
XXXX. Confirmation of what specific data was compromised. 
XXXX. Corrective measures to ensure this does not happen again. 
XXXX. Any legal recourse available to me regarding this violation. 

Please consider this letter a formal complaint. I expect a prompt and thorough response within [ reasonable timeframe, e.g., XXXX  days ] addressing my concerns. If I do not receive an adequate resolution, I will escalate this matter to the appropriate regulatory bodies, including the Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and any relevant legal authorities. 

You may contact me at XXXX or XXXX to provide updates or request further details. 

Sincerely, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased festival tickets for a festival that I had gone to in the past, XXXX XXXX, located in XXXX California. The company you buy tickets through is XXXX  XXXX. I purchased the tickets in XXXX of XXXX for a festival in XXXX of XXXX. The park was flooded and hazardous conditions so they moved the festival to XXXX of XXXX. Everyone who purchased tickets were moved up a level so my tickets when from general admission to general admission plus. Recently I went online to see if there were any updates but the festival organizers released the website domain. I went to old emails to find a way to contact them but the contact page can not be found. When you try to email organizers of the festival, the emails get bounced back so there is no way to contact them. I tried to file a dispute with my bank, Bank of America but they could only handle disputes within XXXX  months of the current date. I purchased tickets for a festival that is completely cancelled and there is no way to get my money back.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
So I filed a claim again XXXX gram on my account back on XX/XX/2025. Capital one had me send them information on the matter of the dispute, receipt of the transaction, why I am due a credit, by XX/XX/XXXX. I sent that information to them and on XX/XX/XXXX get a email they will be closing my accounts. I was due a credit for my money that was stealing from me, on XX/XX/XXXX. My check also came through ( its my pay week ) and I was unable to change it to another bank. I callled them since I received the email and was told several times that I can get my money out with debit card once it hits my account. I called the morning of XXXX because I went to work to confirm it could still do it once I got off at XXXX pm. I do not have any branches around me and would need to use an atm. I then call at XXXX as Im at the atm, and was told okay, they can do that for me as a XXXX time courtesy. When trying to have it completed, the rep comes back on the line and tell me I need to go to branch. I told them to look us my address, I am near no branches., they are not giving me answers to why my account id being close nor gas money to drive over XXXX miles to a branch ( if any ). I have my provisional credit sitting in the account and told I can not have that either. My tax money will be coming into this account, my rent payment is going to bounce because they want to close the account out of no where and of course XXXX have to pay the late fees and beg my landlord to not file for eviction. I will also be seeking legal help for this matter because they are holding my funds and its affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CT

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Access to Student Loan Information and Contract Violation I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the following serious violations concerning my student loan information : * Unauthorized Access to Personal Private Information : * I believe that XXXX XXXX and members of the XXXX team have illegally accessed my personal and private student loan information. 
* This unauthorized access constitutes a severe breach of my privacy and a violation of my rights. 
* Breach of Contract : * I have a legally binding contract with my student loan provider. 
* The aforementioned unauthorized access and potential manipulation of my student loan data represent a direct breach of this contract. 
* Violation of FERPA ( Family Educational Rights and Privacy Act ) : * I believe that the actions taken have also violated my rights under FERPA, which protects the privacy of student education records.

* Student loan information falls under those protections. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc.
State: OR

Complaint narrative:
XXXX XXXX  and his XXXX XXXX XXXX XXXX have violated the privacy that was protected under the terms of my student loans. They are an unauthorized and unofficial office that was not approved by law that establishes new government organizations. This blatant violation of my privacy and loan information have breached the agreement terms of data protection and privacy outlined in the agreements I signed for said student loans. Therefore, since my data was not protected and the company/federal service did not fulfill their obligations. Those students loans should immediately be dismissed from my record and credit scores, as the terms are no longer being upheld.

Company response to consumer: Closed with explanation