vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: MOHELA
State: CA

Complaint narrative:
Over the last several weeks, the Federal Student Loan system was accessed by non-government employees. Yesterday, XX/XX/year>, the system was down for 24 hours while employees at the Department of Education were not allowed in their offices. There was no government oversight, our financial information including our social security numbers and information were also downloaded and accessed by DOGE employees through both the IRS and the Social Security Administration. It is illegal to access and utilize this information. I did not authorize anyone to have access to my information.

My loans though Mohela total {$25000.00}. I was enrolled in the SAVE program created by President Joe Biden and now it is showing I will have to begin paying double what my current payment is starting on XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX & Dodge has access to my personal accounts and that is a direct breach of my rights and contract with my student loan carrier. I do not feel safe with my information in your hands anymore. I need my student loans forgiveness ASAP. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the blocking and deletion of fraudulent accounts from my credit report under 15 U.S.C. 1681c-2 ( a ), as I am a victim of identity theft. Due to the compromise of my personal information, fraudulent accounts have been reported under my name, which I did not authorize.

Fraudulent Accounts to Be Blocked and Deleted I am disputing the following accounts as fraudulent and request their immediate removal from my credit file : Closed Accounts - XXXX XXXXXXXX XXXX XXXXXXXX - Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Closed on XX/XX/XXXX - XXXX XXXX XXXX XXXXlosed on XX/XX/XXXX - XXXX  XXXX - Closed on XX/XX/XXXX XXXX XXXX  - Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX - Closed on XX/XX/XXXXXXXX XXXX XXXX - Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Closed on XX/XX/XXXX Collection Accounts- XXXX XXXX XXXX- {$400.00} ( Opened XX/XX/XXXX ) - XXXX XXXX XXXX - {$690.00} ( Opened XX/XX/XXXX ) - XXXX XXXX XXXX - {$4400.00} ( Opened XX/XX/XXXX ) Hard Inquiries - XXXX ( Finance ) - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX  Retailer ) - XX/XX/XXXX - XXXX XXXX ( Retailer ) - XX/XX/XXXX XXXX XXXX XXXX XXXX  Bank ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX 2023

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 2025-03-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} Date Opened : XX/XX/XXXX - XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Balance : {$2900.00} Date Opened : XX/XX/XXXX PLEASE REMOVE ALL THE INACCURATE ACCOUNTS MENTIONED ABOVE. 

I kindly request that this matter be promptly solved by EQUIFAX. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than 30 days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress. This delay undermines the confidence I should have in the integrity and efficiency of the processes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-13 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:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 US 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 2025-03-13 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: Nelnet, Inc.
State: PA

Complaint narrative:
Subject : Complaint Regarding Unauthorized Collection and Use of Financial Data by XXXX XXXX-Associated Entities Dear CFPB, I am submitting this complaint to report the unauthorized and potentially illegal collection of my personal and financial data by entities associated with XXXX XXXX XXXX including but not limited to companies such as XXXX ( formerly XXXX ) XXXX XXXX, or others under his control ( DOGE ). 

I have reason to believe that my private financial information has been accessed, shared, or used without my consent or proper legal justification. This data breach has caused significant distress, including concerns over identity theft, invasion of privacy, and financial exploitation. I suspect that this unauthorized data collection may have contributed to or worsened my current financial situation, including debt and outstanding loans.

Given the severity of this situation, I am requesting a formal investigation into these practices and am seeking relief in the form of loan forgiveness, as the illegitimate use of my data may have contributed to unjust financial obligations. 

I am prepared to provide further documentation or details upon request. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: SC

Complaint narrative:
Nelnet Student Loans & Data Security Concerns Information : Complaint Against : Nelnet ( U.S. Department of Education Loan Servicing ) Address : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX Subject : Data Security Breach & Mishandling of Federal Student Loans Dear CFPB Representative, I am filing this complaint regarding serious concerns about data security vulnerabilities, loan mismanagement, and potential borrower harm caused

by Nelnets handling of federal student loans. 1. Data Security and Privacy Violatio
ns It has come to my attention that recent cybersecurity failures and potential data breaches may have compromised sensitive borrower information. Given that Nelnet handles a vast amount of personally identifiable information ( PII ) and financial data, I am deeply concerned that : My personal and financial information may have been accessed or misused.

Nelnet has not been fully transparent about the scope of any breaches.

Identity theft or unauthorized access to my financial accounts may occur as a result. 

If my personal data has been compromised due to inadequate cybersecurity measures, I believe this constitutes a breach of federal protections under the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act, and other relevant laws. 

2. Potential Mismanagement of Loan Accounts Additionally, I have experienced loan servicing errors and poor communication from Nelnet, including : Unexplained increases in my loan balance. 
Misapplied payments and errors in my loan status. Double reports on my credit, even after a payment was made. I received a bad credit report on XXXX, made a payment in full on XX/XX/XXXX, and then received new bad reports on XX/XX/XXXX, wrecking my credit from the XXXX to XXXX. This is predatory. 
Website crashing on payment due dates and long wait times that exceed my allowable time away from work. 

These servicing issues, combined with potential security concerns, have caused financial distress and unnecessary confusion, making it difficult for me to effectively manage my student loan debt. 

3. Consumer Harm & Requested Resolution I am requesting an immediate investigation into Nelnets data security practices and loan servicing misconduct to determine : Whether a data breach has occurred and affected my personal information. 
What measures are being taken to protect borrowers from fraud, identity theft, or financial harm. 
Whether errors or mismanagement in my account require correction. 
What compensation or relief is available to affected borrowers. 

Given the gravity of these concerns, I urge the CFPB to hold Nelnet accountable and take action to protect borrowers rights and financial well-being. 

I appreciate your time in reviewing this complaint and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XXXX unable to access my money in my account becuase the online banking registraton portal has been down and they are unwilling to give a XXXX on when it will be fixed.

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 2025-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
To whom it may concern, I'm asking that my outstanding student loans serviced by Aidvantage be forgiven and removed from my credit report because my consumer rights were violated by XXXX XXXX via XXXX. accessing my loans and personal data. This is a clear violation of my consumer rights under the Consumer Financial protection Rights Act of 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One has been holding {$160000.00} of my funds for over six weeks after freezing my account, seemingly due to an issue with a wire deposit being made under an incorrect company name. As soon as Capital One raised this concern, both I and the sender promptly confirmed with a Capital One investigator on the same business day as requestedthat the incorrect company name was a clerical error.

Despite our immediate verification and full cooperation, Capital One froze my account, later closed it, and has since refused to release the funds without providing any clear resolution timeline. 

This delay has completely stalled my business launch, as these funds were intended for critical operations. As a result, I have been forced to terminate contracts and halt business activities, causing substantial financial harm. 

I have contacted Capital One multiple times, and despite assurances that they are " reviewing the matter, '' no explanation as to the issue, and more importantly when a resolution will be provided.

I understand the need for compliance reviews, but holding {$160000.00} for over six weeks after both parties immediately confirmed the deposit issue is excessive and unjustified. There is no dispute over ownership of these funds, and Capital One has not provided a valid reason for continuing to withhold them.

This prolonged delay has caused significant financial hardship, preventing me from meeting my business obligations and making time-sensitive investments. Capital Ones lack of response and failure to resolve this matter is unacceptable.

I am formally requesting the immediate release of my {$160000.00}. I have exhausted all reasonable attempts to resolve this directly with Capital One and now require urgent intervention to access my rightful funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: OR

Complaint narrative:
Student loan dispute- my personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, after which I may request an extension of the block. During this period, you may not report or reinstate any fraudulent information on my credit report.

I have contacted the credit bureau multiple times to report these fraudulent accounts, yet no resolution has been provided. This issue has significantly impacted me, especially as I am in the process of acquiring a home for my children. Additionally, these collections were removed and not verified by other bureaus, which raises concerns about the inconsistent handling of these accounts. 

I have also requested contracts from the company reporting these accounts to verify my information, but after more than 60 days, I have received no response. I urge you to take immediate action to remove these accounts. Attached is my FTC Report for further reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX between the hourse of XXXX, my phone and phone wallet case with credit and debit cards were stolen by an unknown perpetrator. Police report # XXXX was filed on XXXX with XXXX. Phone was unlocked or somehow hacked by perpetrator and all my data ( email, passwords, SSI, digital wallet, etc ) was compromised and used to purchase large amounts at XXXX XXXX # XXXX ( downtown XXXX ) totaling {$18000.00} used with digital debit card. Bank of America claim # XXXX filed on XX/XX/XXXX and denied. I reopened the claim and provided additional support and proof documentation via fax to have resolved, and asked to please let me know if anything additional was needed as this is a case of identity, property theft, and fraudulent activity. I've also put a freeze with the credit bureaus. I had already blocked all physical cards on XX/XX/XXXX when after the incident occurred, but was unaware of the additional step to block digital debit card, which is what the perpetrator used to purchase the unknown goods. They also tried to open an XXXXXXXX XXXX XXXX  which was blocked due to fraudulent suspicion and also closed and resolved with XXXX XXXX XXXX and removed from my credit file. The claim with Bank of America has been re-opened since XX/XX/XXXX, and I have attempted to receive updates on status, but haven't been able to receive any further information other than pending research. It has now been 4 months ( well past the 90 day window for a resolution ) with no real updates or additional information requested. 

Attached are files supporting the gmail hack, fraudulent activity and attempts to unfreeze BofA card, fraudulent zelle payment to unknown person on XX/XX/XXXX that I was able to have blocked before processed, fraudulent XXXX transactions amounting to the {$18000.00}, and XXXX cash statement amounting in the {$500.00} that was used as part of the total 3 transactions amount to the {$18000.00}.

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 monetary relief
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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