vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding a serious violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) and the unauthorized exposure of my personal and financial data due to a breach facilitated by XXXX XXXX. This violation has compromised my student loan records, personal identifiable information, and financial security, thereby exposing me to potential fraud, identity theft, and misuse of my sensitive information. 
As a borrower under the Federal Student Aid ( FSA ) program, I entrusted the Department of Education and its servicers with my private information under the assumption that it would be safeguarded in accordance with federal law. However, the breach has directly infringed upon my FERPA-protected rights and placed me at severe financial and personal risk. XXXX XXXX actions have blatantly disregarded federal privacy protections, and it is unacceptable that my dataand that of countless otherswas exposed due to negligence or unauthorized access. 
Given this egregious breach of trust and violation of federal protections, I am formally requesting immediate and full forgiveness of all my student loans. I should not be held financially responsible for loans under a system that has failed to uphold its legal obligation to protect my data. This violation has placed undue stress and financial burden upon me, which can only be rectified through full cancellation of my outstanding federal student loan debt. 
Call to Action I demand that : 1. All of my federal student loans be fully discharged immediately due to this breach and violation of my FERPA rights. 
XXXX. A formal investigation be conducted into how this breach occurred, who was responsible, and what legal consequences XXXX XXXX should face for his involvement. 
XXXX. The Department of Education, FPCO, and FTC take immediate corrective actions to ensure all impacted borrowers are provided with relief, including widespread loan forgiveness for those affected. 
I expect a prompt and detailed response outlining the steps your offices will take to rectify this matter. If no action is taken, I am prepared to escalate my complaint through all necessary legal and regulatory channels. 
Thank you for your immediate attention to this matter. I look forward to your urgent response confirming that my student loan debt has been forgiven in full

Company response to consumer: Untimely response
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIME OF THE IDENITY THEFT. I FOUND NUMEROUS FRAUDULENT OPENED ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS BEEN HURTING ME SINCE I AM IN THE PROCCESS BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE ALL FRAUDULENT OPENED ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSIBLE. HERE ARE THE FRAUDULENT OPEN ACCOUNTS XXXX XXXX IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, ACCOUNT NUMBER IS XXXX, BALANCE {$380.00}. XXXX ONE IS XXXX OPEN DATE XX/XX/year>, ACCOUNT NUMBER IS XXXX, XXXX {$590.00}. ALSO I AM ATTACHING MY ID, SOCIAL SECURITY, UTILITY BILL AND IDENITY THEFT REPORT. THANK YOU IN ADVANCE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hello I had a unauthorized charge on my account when I contacted the bank to advise them of fraud activity the representative never closed the debit card allowing for transaction to process that I did not authorize so I had to file a claim when I filed claim I advised them and offered to provide documents I kept getting the running around from bank so I reached out to merchant the merchant XXXX then advised me to file a charge back with my bank as thats the quickest way to get my money back however the bank denied complying or reopening claim they didnt even provide 30 or more days to provide them proof from merchant on my end, when I call bank to request claims department to contact me they never do I am out of {$200.00} plus dollars and I am being charged overdraft fees all because the bank representative did not cancel my card when I advised them of fraud activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The mortgage has been messed up since I was with XXXX the principle of the loan has never gone down with as many different Mortgage Servicers that have had their hands on this loan. I have requested from XXXX what was the principle amount that was owed when they sold my mortgage to another servicer. I have sent many request and demands and never got an answer. I took out the loan with XXXX XXXX in XXXX  and to this date I still owe XXXX. Then when I get angry and start fighting back when they try to foreclosure they then pass my mortgage off to another lender. This has now gone on for 18 years I have paid late fees and large interest and so much more. Now I am with Shellpoint which also plays the run around no contract and charges me for attorneys fee and loss interest fees and wants to do a modification and bring my mortgage even higher. Then every time I speak to them they cut me down and be little me, " IF YOU CANT AFFORD SELL THE PROPERTY OR WE WILL TAKE IT IN FORECLOSURE ''. This is getting crazy one predatory loan after after another and changing what they tell me. These companies need to stop praying on the XXXX  and XXXX. I have had my family help me pay so much money to just XXXX and on my credit report stated I only owed XXXX XXXX now XXXX something that Shellpoint is saying I owe. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXXXXXX BALANCED {$500.00} XXXX XXXX XXXX BALANCED {$3200.00} XXXX  XXXX XXXX BALANCED {$780.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I signed up for a gym membership at the age of XXXX on my own without a parent at XXXXXXXX XXXX the owner of the anytime fitness in XXXX Ohio was aware of this but continued to convince me to sign up anyways. The membership he put me on was a 4 year {$20.00} charge every two weeks. I Began this in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I am filing a complaint against Equifax for inaccurately reporting multiple accounts on my credit report that were discharged in my XXXX XXXX bankruptcy on XX/XX/year>. Despite submitting disputes and providing my bankruptcy discharge paperwork, these accounts continue to be reported as open, delinquent, or in collections. 

The following accounts remain inaccurately reported 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 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 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 ( {$2500.00} ) These accounts should reflect a {$0.00} balance and a status of Discharged in Bankruptcy. The continued misreporting is damaging my credit and violating the Fair Credit Reporting Act ( FCRA ) and Bankruptcy Code.

I have previously submitted disputes to Equifax and have not received a satisfactory resolution. I am requesting CFPB intervention to ensure Equifax corrects my credit report immediately and complies with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I believe my information was involved in that leak XXXX XXXX begin punish

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
I have identity theft and all this negative stuff on my account that's not been removed I have reached out to the credit bureaus all three and all negative items are still on my credit report I would like to remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Viewing XXXX XXXX this account from credit acceptance is still showing open with a balance of XXXX and the car was repord XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX  XXXX XXXX BALANCED {$4200.00} XXXX XXXX  XXXX BALANCED {$12000.00} XXXX XXXX  XXXX BALANCED {$750.00} XXXX  XXXX XXXX BALANCED {$3200.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, I opened a Wells Fargo Premier Checking account to qualify for a {$2500.00} bonus. One of the requirements was to deposit at least {$250000.00} in new funds into the new account and maintain that balance across it and its linked accounts. I deposited over {$250000.00} upon opening the account and transferred the funds to its linked brokerage account. 

Despite this, Wells Fargo has denied the bonus, claiming the accounts were not linked. However, my Wells Fargo account displays automatically linked on the website. If the accounts were not linked, I question how I could have transferred the funds on XX/XX/XXXX. 

When I called on XX/XX/XXXX, the customer service representative reassured me that I would receive the bonus without any issues. 

According to Wells Fargos terms, to qualify for the {$2500.00} bonus, customers must bring {$250000.00} or more in new deposits to qualifying linked accounts by Day 45 and maintain at least a {$250000.00} balance through Day 90 after account opening. Qualifying linked accounts include consumer bank deposit account balances ( checking, savings, time accounts ( CDs ), FDIC-insured IRAs ) and investment account balances available through Wells Fargo Advisors . 

Given that I met these requirements and the accounts were indicated as linked, I believe I am entitled to the bonus.

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 2025-02-10 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
What I reported to XXXX : To Whom It May Concern, I am writing to formally report a violation of my privacy rights concerning my student loan information. My personal and financial information was compromised without my authorization, which constitutes a breach of confidentiality and a direct violation of multiple federal laws protecting student records and personal data.

The Family Educational Rights and Privacy Act ( FERPA ) ensures the confidentiality of student records, and this breach represents a clear violation of my rights under this law. Additionally, the Privacy Act of 1974 establishes a code of fair information practices governing the collection, maintenance, use, and dissemination of personal information by federal agencies. The unauthorized access and potential misuse of my data directly contradict these protections.

Furthermore, Higher Education Laws and Policies exist to safeguard future borrowers from improper data sharing and unauthorized access. Allowing a third-party entity, specifically Elon Musk , to access and use student loan data without proper authorization is a severe breach of these legal standards. This unauthorized access not only jeopardizes my financial security but also sets a dangerous precedent for future borrowers. 

Given the severity of this breach and the compromise of my personal and financial information, I demand an immediate investigation into this matter. I also request the full cancellation and discharge of my student loan due to the mishandling of my data, which has resulted in a significant breach of my privacy rights. 
I expect a prompt response detailing the actions being taken to address this issue and ensure that such breaches do not occur in the future. Please confirm receipt of this complaint and provide me with updates regarding the investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
i have a XXXX account and i wanted to pay the lifetime premium is a one time fee of {$80.00} with XXXX processing fee this time so {$85.00} all together. in the pass I've done the basic monthly XXXX with a processing fee of XXXX with no problem.. but this time i tried paying the did 3 transactions. 2 of those transaction denied due to high amount and flagged as fraud and the 3rd one went threw ( i have proof ). i tried logging in to my XXXX account and its telling me to make a payment. i went to my email and found the confirmation email that the payment went threw. i reached out to XXXX where the confirmation came from for XXXX  told me it expired and to reach out to XXXX  and my back ( cash app ) so i did and XXXX  support told me that the transaction was denied and to wait 24 before i tried it again. i then reach out to cash app and did a dispute the fist time was before i reached out to to XXXX  an the second was after i reached out and they responded to me email.. so i tried it again and send a new depute with new documents proving my claims. cash app denied my depute twice when i have my prove that they never received the payment. so not i just got the email for cash app saying they denied my dispute again with updated documents proving my claim. and now im here

Company response to consumer: Closed with explanation