vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have been under income-driven repayment ( IDR ) under the Pay As You Earn plan since XXXX. I have about {$250000.00} in student loans which I took out for XXXXXXXX XXXX XXXX XXXX XXXX  My recertification deadline this year was on XX/XX/XXXX. Because the Department of Education ( the Department ) took the following action, I was prevented from timely recertifying my income : ( XXXX ) the Department disabled access to the recertification and application forms for XXXX on the XXXX website; and ( XXXX ) the Department issued a memo to student loan service providers instructing them not to accept or process forms for XXXX. 

As a result of the Department 's actions, my monthly student loan payments more than quadrupled from {$500.00} to $ XXXX. I can not afford these payments. 

I have called my student loan service provider ( Nelnet ) and the Department several times. Nobody can tell me whether my recertification deadline will be re-opened/extended. The Department did not institute an administrative forbearance, and Nelnet will not give me one. I have been put on a temporary hardship forbearance until XX/XX/XXXX, at which point I'll have to start paying that crazy high amount. And interest continues to accrue and any payments I make in the interim will not count toward forgiveness. 

This situation is unfair and predatory. Middle class people do not have room in their budgets to wait for the Department to get it's act together. 

XXXX passed the Student Loan Reform Act in XXXX ( when I was XXXX XXXX XXXX ), which requires the Secretary of the Department to provide borrowers with options for income-based repayment ( 20 USC 1087e ( d ) ( 1 ) ). I took out student loans in reliance on there being income-based repayment, and the government has changed the payment terms and betrayed the middle class. The master promissory notes that I signed clearly stated that income-based repayment options would be available. I have done my financial planning for the last 8 years around having IDR. With no notice to me, it was yanked away. Then, I had less than XXXX weeks to figure out how to make more than quadruple the payments. 

I have reviewed the injunction from the XXXX XXXX XXXXXXXX case. The XXXX XXXX XXXX did not require the Department to stop people from being able to recertify their income. The Department is intentionally going beyond what was required by the Court and squeezing the middle class to force us to either default or switch to a different payment plan. It makes zero sense that people on XXXX ( the challenged repayment plan ) are on forbearance while those of us on income-based repayment plans put in place BEFORE the XXXX administration ( that are not the subject of the ongoing lawsuit ) are being punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I tried to contact XXXX XXXX XXXX and Radius Global their " servicer '' to get detailed information about a collection account they charge me for seemingly without end. They would not provide any written information or ability to log in to view said information, so i can not confirm the legitimacy of the debt. I am happy to pay any debt i can confirm but they are damaging my credit for no reason at this point since ive had a deal with them that i stuck to and i maintain that the balance is incorrect

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 2025-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: ND

Complaint narrative:
I was approved for a loan through XXXX in XXXX. I prepaid the taxes in the loan and through XXXX XXXX XXXX when closing I was provided a check to pay the taxes for XXXX. I paid the taxes at the XXXX XXXXXXXX for {$3500.00} on XX/XX/2024 and received a receipt for the payment. The loan was sold to ShellPoint Mortgage in XXXX. They made a payment out of my escrow account on XX/XX/2024 for {$3500.00} that was void and sent back to Shellpoint. My escrow account is still showing the - {$1800.00} balance from them removing the funds and not replacing them after the check they sent was void because I already paid the taxes. I have contacted the company through email with documentation and calling twice. They keep saying they are looking into it. It has been almost XXXX months now with no help or issue resolved.

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 2025-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
I was contacted by XXXX and XXXX regarding a XXXX XXXX  case. I never received any messages, letters, or statements about this. I repeatedly reached out to the company because the tires I purchased from them became unusable within XXXX months. Due to their poor quality, I had to buy an entirely new set of tires. Now, they are claiming they will send an XXXX to my workplace to remove the tires ( which are not the ones I originally bought ) and that I must pay {$690.00} to settle the matter.

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 information incorrect
Company: EQUIFAX, INC.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

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: 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: NY

Complaint narrative:
XXXX XXXX and his illegal DOGE " department '' gained access to my student loan information without clearance or express permission. I no longer feel secure that my data is protected and the contract surrounding my loans has been breached in this action. 

This fraudulent access puts every borrower at risk of adverse events and needs to be dealt with.

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 — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Ive tried calling USAA to get into my account thats locked. I called XXXX  times on XX/XX/year> and got a few different answers. I have concerns about someone calling me back because Ive had to repeat the online verification after getting paid. They give me the option of a phone number that was mistyped with no real other way to access my XXXX in savings. No one has called me back yet and I still cant get into my account.

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 2025-03-14 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: FL

Complaint narrative:
For years now the government has left us in a state of confusion regarding these loans, I was approved for $ XXXX in relief ( which wouldn't even cover the interest I have paid over the years ), then that was rescinded, I joined the SAVE program to get on the path to forgiveness, my monthly bill increased from {$500.00} to {$1100.00} despite it being advertised as a more affordable plan. Now that program is going away and I have no idea what to do or how to budget for these changes. My aidvantage website just says I owe {$0.00} due to forebearance, but also that the forebearance is ending soon so I should be prepared to pay. How much, I have no idea. 

I also signed contracts with a company that no longer holds my loans. I did not ask to be transferred to another company and then transferred again. I have no agreement with Aidvantage they just bought my debt. I'm sick of being passed around without any say. 

Additionally, XXXX XXXX in his unofficial government role has accessed my data likely violating FERPA. I need to understand what that means and if I am entitled to identity theft protection or compensation. He has access to every scrap of information, my bank info, SSN, payment history, etc through the various systems his " team '' has infiltrated. This is an open secret, what we don't know is where is he storing it? Is my info being fed to AI?

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the XXXX  XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX ( 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 non-monetary relief
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 — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit Report Inaccuracy Dispute To : dispute department Date : XXXX Dear Dispute Department, I reviewed my credit report on XX/XX/XXXX, and noticed several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

The following accounts contain incomplete and incorrect information : CAPITAL ONE OPEN DATE XX/XX/XXXX Since this information is not complete or accurate, I formally request that you investigate and correct these errors immediately. Please provide documentation of your investigation and the sources used to verify this information. 

Please respond in writing within XXXX  days as required by the FCRA. Thank you, in advance, for honoring my requests. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit.

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: EdFinancial Services
State: TX

Complaint narrative:
I tried to make my first payment for my student loans on EdFinancial Services official website, however, my payment was reversed twice. My first payment isn't due until XX/XX/XXXX, however, I wanted to pay off some of the interest and ensure my payments were going through before I had a late payment. 

My first payment attempt was made on XX/XX/XXXX of {$2300.00}. It was processing for XXXX days before it said payment was received. However, I noticed that the amount was never taken from my bank account. I called XXXX and a representative said that they did not see an attempt for any transactions from EdFinancial Services for {$2300.00}. I called EdFinancial Services and a representative said that the reason why my payment was reversed was because I did not enter my bank information correctly. Thus, I deleted my bank information on file and re-input it by directly copying and pasting from my XXXX account. Therefore, there shouldn't be any error on my end with my bank information. 

I made another payment on XX/XX/XXXX of {$3500.00}. By XX/XX/XXXX and XX/XX/XXXX, the website said that my payment was received on XX/XX/XXXX. However, I still did not see the amount pulled from my bank account. On XX/XX/XXXX, I called EdFinancial Services and a representative confirmed that my payment was received and my next payment isn't due until XX/XX/XXXX. They also stated that they would be able to see at that point if the payment was reversed. 

Today, XX/XX/XXXX, I checked and it said that my payment was reversed on XX/XX/XXXX. I tried calling EdFinancial Services customer service twice, however, my calls were randomly ended twice before I could get to a representative. I've tried the chat box feature on the website and emailing, however, I have yet to receive a response.

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: 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: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Experian for their failure to investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, Experian has done nothing to fix these issues and continues to report incomplete and unverifiable data. 

Details of the Issue : Account Name : [ Credit Card Issuer ] Account Number : XXXX Date Opened : XX/XX/XXXX FCRA Violations by Experian : Failure to Ensure Accuracy 15 U.S.C. 1681e ( b ) Experian is legally required to ensure all reported information is accurate and verifiable. 
The payment history for this account contains missing and inconsistent data ( " ND '' entries ), making the report unreliable. 
Failure to Conduct a Proper Reinvestigation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I formally disputed this account, and Experian failed to provide any verification or documentation from the data furnisher.

Instead of conducting a reasonable investigation, they simply marked the account as updated without substantiating their claims. 
Failure to Remove Unverifiable Information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If Experian can not verify the accuracy of this account, they are required by law to delete it from my credit report.

Their refusal to do so demonstrates clear noncompliance with federal law. 
Potential Violation of the XXXX-Year Reporting Limit 15 U.S.C. 1681c ( a ) ( 4 ) If the first delinquency occurred in XXXX  or earlier, this account should be removed no later than XXXX.

Experian has failed to confirm whether they are extending the reporting period unlawfully. 
Experians Negligence and My Request for CFPB Action Experian has ignored my repeated attempts to resolve this issue and has failed to take any corrective action. Their inaction is harming my credit profile and directly violating the FCRA. I am requesting that the CFPB investigate XXXX practices and take enforcement action to ensure compliance with federal law. 

Additionally, I request that the CFPB direct Experian to immediately remove this unverifiable account from my credit report and confirm compliance in writing.

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 2025-03-14 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: FL

Complaint narrative:
This morning, I noticed incorrect accounts appearing on my credit report, and I have no idea how they got there. As part of my usual routine, I checked my report, but this time, there were unexpected discrepancies. I even refreshed my browser to see if it was just a glitch, but the errors remained. Given this situation, I kindly request a thorough review of the documents Ive provided so that I wont have to worry about this issue again.

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: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I received my credit reports and noticed that XXXX XXXX XXXX was reporting a frivilous account, I immediately contacted them and disputed the account and they failed to investigate the account but yet updated the account with all XXXX credit bureaus saying it was verified and then made notes on the account that XXXX payments were paid on time and no payments were made on the account but on the same line they say that 75 % of the loan is remaining and list ontime payments, additional they show the account as charged off but did not provide a required 1099c and the account still shows open on the credit bureaus. they never provided any requested documents just continue listing it as verify and never correct there errors.

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 — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
After reviewing my credit report and noticing that it has been past XXXX years since this account has been opened and it still reflects late payments that are inaccurate, I am requesting removal of this account.

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: Improper use of your report — Reporting company used your report improperly
Company: Central Research Inc
State: TX

Complaint narrative:
My personal, private, identifying information ( PHI ) was breached during an alleged " audit '' being performed by a supposed Department of Government Efficiency ( DOGE ) and XXXX XXXX. This individual is not elected, nor vetted nor is XXXX XXXX  an otherwise qualified federal employee and neither are the individuals working on his behalf. As of the week ending XX/XX/year>, I can not rely on the Department of Education nor any third-parties that they have given access to my information to protect any of my most sensitive information including but not limited to my : Social Security Number, My date of Birth, My first, middle and last name, my former and current residences, former and current employment and financial data. The disclosure of my PHI was done without my prior written consent, and my PHI continues to be at risk without any notification from any federal institution or representative. The Individuals involved in the current disclosure of my PHI have no relation to me or the educational agencies or institutions I am affiliated with. I became aware of the data breach during the week ending XX/XX/year> from the XXXX XXXX and other news articles, and no communication from the Department of any federal entity. 

Please find below a link to an article from the XXXX XXXX outlining privacy violations committed by a non government official. XXXX  : XXXX

Company response to consumer: Closed with explanation