vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am writing to formally report a violation of my financial privacy rights, which directly impacts the validity of my student loans. It has come to my attention that XXXX XXXX and his associated XXXX ( DOGE ) team have unauthorized access to my financial records. This constitutes a severe breach of my right to financial privacy and directly contradicts established consumer protection laws. 

Under the Gramm-Leach-Bliley Act ( GLBA ) and the Right to Financial Privacy Act ( RFPA ), no third partyespecially XXXX with direct financial interestsshould have access to my personal banking and loan information without my explicit consent. If these entities have indeed gained access, this not only undermines the integrity of my financial agreements but also calls into question the legitimacy of my outstanding student loan obligations. 

I request the following immediate actions : A full investigation into how and why my financial records have been accessed by unauthorized entities. 
Immediate invalidation of my student loans, as this breach compromises the legality of my financial agreements. 
Transparency from loan servicers and financial institutions regarding who has accessed my records and under what authority. 
This is a matter of constitutional financial protection and consumer rights enforcement. If my private financial data has been exploited, then my student loan obligations are nullified due to unlawful interference. I expect a swift response and corrective action to ensure my financial rights remain protected. 

Please confirm receipt of this request and provide a timeline for investigation.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
CFPB Complaint ( 1st box ) I am writing to formally report an incident involving the unauthorized access of student loan data. I have federal student loans and also XXXX grants. It has come to my attention that XXXX XXXX, XXXX, and young unqualified teenagers and individuals/entities associated with him, accessed sensitive student loan information without proper authorization. This breach of privacy and potential violation of data protection laws is deeply concerning and requires immediate investigation. 
This unauthorized access, starting somewhere around XX/XX/year>, has caused significant distress and raises serious concerns about the security and privacy of sensitive financial and personal information. It also undermines trust in the systems designed to protect such data.

**Requested Actions : ** 1. Conduct a thorough investigation into this incident and identify the parties responsible for the unauthorized access.

2. Provide a detailed report of the findings and the steps being taken to prevent future breaches.

3. Notify all affected individuals and offer support, such as credit monitoring services, to mitigate potential harm.

4. Ensure compliance with all applicable data protection laws and regulations, including, the Family Educational Rights and Privacy Act ( FERPA ), Gramm-Leach-Bliley Act ( GLBA ), and state privacy laws. 
I trust that you will treat this matter with the urgency and seriousness it deserves. Please acknowledge receipt of this complaint and provide information on the next steps in the investigation process. 
Thank you for your attention to this matter. I look forward to your prompt 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The accounts in question, [ XXXX XXXX XXXX ], [ Account # : XXXX ], is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

[ XXXX  XXXX ], [ Account # : XXXX ], Falsely reported late Payment Date : XX/XX/XXXX [ XXXX  XXXX ], [ Account # : XXXX ], Falsely reported late Payment Date : XX/XX/XXXX [ XXXX  XXXX ], [ Account # : XXXX ], Falsely reported late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is XXXX  % accurate, fully validated, and not misleading in any way. 

As part of my formal dispute, I request that your agency conduct a full reinvestigation and provide proper documentation proving the validity of these reported late payments. If the information can not be fully substantiatedmeaning there is no concrete, verifiable proof meeting strict FCRA standardsthen these inaccurate late payments must be removed immediately to comply with federal consumer protection laws.

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 2025-03-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX  inquiry date XXXXXXXX XXXX XXXXXXXX XXXX  inquiry date XXXXXXXX XXXX XXXX XXXXXXXX inquiry date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/25, I discovered that the check I issued to my landlord was stolen and fraudulently cashed. Same day, I Immediately went to my local Chase Bank and asked the teller to fax the declaration of fraudulent activity. I re-faxed it again on XX/XX/25. Today, I received a letter from Chase Bank stating that they did not receive the declaration of fraudulent activity, and my case is closed. These funds are crucial for my business lease.

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

Complaint narrative:
I received a Zelle for {$500.00} ( a paycheck ) approximately XXXX or XXXX years ago. Then around a year later my bank account was emptied and I was left with a negative balance. When I inquired as to why this happened I was told by my bank that it was a refunded Zelle. When I asked to speak with whoever was in charge with their Zelle department I was transferred to a voicemail. I made this request several times and I left many messages but no one picked up or ever called me back. I even tried to reach Zelle itself but I was told they do not have a customer service number so there was no way for me to speak with them directly. After a month of no resolution I stopped doing business with that account and opened another elsewhere, where I have been banking ever since and have vowed to never use Zelle again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MOHELA
State: TX

Complaint narrative:
MOHELA 's long processing time will create an undue financial burden for me to utilize my PSLF. I would like to file a general complaint about their processing times and handling of XXXX requests ( before the XXXX legislation of XXXX IDR pause ) My loans have been in relative limbo since XX/XX/year>. I applied for loan consolidation in XX/XX/year>. When I applied for consolidation, I also applied for an income-driven at the same time. In XXXX, I reapplied for XXXX since my loans were transferred to Mohela. My loans were not placed in a processing forbearance ; I was placed on a standard repayment plan even though I had a pending XXXX request. I reached out to Mohela about this matter. This was the response I received. 

" Thank you for contacting MOHELA, We apologize for any inconvenience. Our records indicate we received your XXXX XXXX XXXX ( XXXX ) plan application on XX/XX/year> and XX/XX/year>. Once an update is available, you will receive notification. " My XX/XX/XXXX IDR application was closed on XX/XX/XXXX. No changes were made to my account. I received no explanation. I was not given the opportunity to sign up for a payment plan that was not SAVE. 

The XX/XX/XXXX IDR application submitted through finaid.gov has completely disappeared. There is no record of it outside of the automatic emails I received as confirmation. 

I had to call Mohela, wait on hold for a few hours, and verbally request something that should have been done automatically. I submitted an IDR application via the MOHELA website in XXXX with income documentation. I received an email in XXXX stating that I had not submitted income documentation and would need to reapply. 

While I am aware of the current XXXX legislation, I missed out on the opportunity to make qualifying payments for several months and will have to buy back a large number of months later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: IN

Complaint narrative:
This dispute is due to the information breach that took place in the past 2 months by XXXX XXXX and Doge. He unlawfully accessed my personal information with my consent. He and his team do not have clearance to access this data. Breach of my personal information.

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: 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:
I am writing to formally dispute an issue on my credit report related to civil liability for negligence under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which addresses civil liability for willful or negligent noncompliance with the Act. I have reviewed my credit report and have identified discrepancies that I believe were caused by negligent actions on the part of Experian. 

Disputed Information : XXXX XXXX XXXX that starts with XXXXXXXX XXXX XXXX XXXX that starts with XXXX XXXX XXXX that starts with XXXX I believe the information in question was reported incorrectly due to failure to investigate my disputes Under Section 1681o of the FCRA, any entity that negligently fails to comply with the requirements of the Act may be held liable for actual damages, including any harm caused by the inaccurate reporting or failure to address a dispute properly. 

Given the negligence in the handling of my credit information, I am requesting that you promptly investigate and correct the inaccuracies on my credit report as required under the FCRA. Please provide me with written confirmation of the actions taken to resolve this matter, including the corrected credit report or explanation if the disputed items are verified as accurate. 

Please acknowledge receipt of this dispute and confirm that you are investigating the issue in accordance with the Fair Credit Reporting Act. I expect a resolution within the XXXX period specified under the law. 

Thank you for your prompt attention to this matter. I look forward to hearing from you regarding the steps you will take to correct the inaccuracies on 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 2025-03-15 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: IN

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
Subject : Formal Complaint Regarding Misappropriation of Mortgage Payments Audio Recordings is attached and verification of all payments are included. 



Dear AmeriHome Mortgage Company , LLC, I am writing to file a formal complaint regarding the fraudulent misappropriation of my mortgage payments. My payments have been applied without my permission, and I have yet to receive the refunds that were promised to me. 



Specifically : XXXX. My mortgage payment was misappropriated and applied to escrow without my authorization. 

XXXX. I was informed that I would receive a refund for funds that were misallocated in XX/XX/year>, yet I have not received any refund to date. 

XXXX. Despite my payments being designated for my mortgage, they were incorrectly applied to escrow, and I have not received a bank credit or a check in the mail. This constitutes theft. 



I have made sufficient payments to cover my mortgage in full for both XXXX and XX/XX/year>. If your company does not accept partial payments, then why was my {$1000.00} payment applied to escrow without my authorization when it was explicitly intended for my mortgage? 



Additionally : In XX/XX/year>, your company accepted partial payments from me, contradicting the statements made in the recorded conversation. 

On XX/XX/year>, I made a {$1000.00} payment, which was illegally applied to escrow. I demand a full and immediate refund. 

On XX/XX/year>, I made a {$1300.00} payment, yet your company claims to not accept partial payments. I demand a full and immediate refund. 

On XX/XX/year>, I made a {$2300.00} payment, which should be applied toward my XX/XX/year> mortgage payment. 



Furthermore, I request that all late fees for XX/XX/year> be waived, as the misallocation of my payments was the mortgage companys mistakenot mine. Both payments were made before XX/XX/year>, and therefore, no late fees should apply. 



I demand an immediate refund for the XXXX misapplied payments and expect a prompt resolution. 



Sincerely, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
I am writing to formally file a complaint regarding the unauthorized access and misuse of my federal student loan data and personal information by XXXX XXXX, a private citizen, and his group called XXXX. This constitutes a direct violation of the XXXX XXXX Rights and Privacy Act ( XXXX ) and compromises the confidentiality of my federal student loan records. 

Nature of the Complaint XXXX. Unauthorized Access My federal student loan data and personal information were accessed without my consent by XXXX XXXX and his group, XXXX. As a private individual, XXXX XXXX has no legal authority to obtain, review, or use such information. 
XXXX. FERPA Violation As a borrower of federal student loans, my educational records and loan data are protected under XXXX. The unauthorized disclosure of my records constitutes a serious breach of federal law. 
XXXX. Breach of Loan Contract The unauthorized access of my federal student loan information voids my contract, as the terms of my loan agreement were based on the assumption that my private data would be protected under federal law.

Request for Immediate Action I request that the CFPB conduct an immediate investigation into how my private federal student loan data was accessed and used without my consent. Specifically, I request that the CFPB : Investigate the involvement of XXXX XXXX and DOGE in the unauthorized access of my data. 
Identify the individuals or entities that facilitated this breach. 
Take appropriate legal action to enforce XXXX protections and hold those responsible accountable. 
Determine whether my loan contract should be considered void due to the violation of its terms. 

I take this matter very seriously and expect a thorough investigation into this breach of my personal and financial privacy. Please confirm receipt of this complaint and provide updates on any actions taken. 

Thank you for your time and attention to this serious issue.

Company response to consumer: Untimely response
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: MOHELA
State: NH

Complaint narrative:
My personal and financial information was compromised without my consent or authorization. The XXXX XXXX Rights and Privacy Act protects the confidentiality of student records. The breach of the Department of Government efficiency and XXXX XXXX is a clear violation of XXXX and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information, I request that all student loan debt is cancelled and discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: CO

Complaint narrative:
XXXX has accessed my personal information which is against the law and my student loan contracts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-03-15 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: MOHELA
State: IN

Complaint narrative:
I did not give XXXX and or XXXX XXXX permission to look at my loans. I believe this violated my right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation