vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Nelnet, Inc.
State: MN

Complaint narrative:
I am writing to formally report an incident involving the unauthorized access of student loan data. I have federal student loans through Nelnet. 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 : ** XXXX. Conduct a thorough investigation into this incident and identify the parties responsible for the unauthorized access. 

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

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

XXXX. Ensure compliance with all applicable data protection laws and regulations, including, the Family Educational Rights and Privacy Act ( XXXX ), 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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
XXXX XXXX has violated my privacy by accessing my private data through the department of education.

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: 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 XXXX ( XXXXXXXX XXXX XXXXXXXX ), 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 XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a lease account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX  opened on XX/XX/XXXX, a credit card account with XXXX XXXX opened on XX/XX/XXXX, and a loan account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are 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 2025-03-15 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I submitted a dispute for a transaction between me and an immigration lawyer. This lawyer told me I needed to send him {$100.00} before he could give me a consultation about taking me on as a client for his services. After I paid him I heard nothing back for a week. I reached out to see when we could discuss moving forward and all my attempts to reach him failed. He obviously scammed me out of {$100.00}. I disputed this amount and my bank Wells Fargo sided with the scammer and recharged my account the {$100.00}.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The XXXX, NY XXXX XXXX XXXX [ Insert Today 's Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Regarding Unauthorized Access to My Student Loan Information by XXXX and XXXX XXXX  Dear CFPB Complaint Intake Officer, I am writing to formally complain about a serious breach of privacy and potential misuse of my personal information related to my student loans. I have reason to believe that an organization known as XXXX. and individuals or entities associated with XXXX XXXX have gained unauthorized access to my student loan records and personal data. 

As a borrower, I entrusted my information to student loan servicing entities with the expectation that it would be protected in strict accordance with the law. The possibility that third partieswithout my knowledge or consentmay have accessed my personal financial data is deeply concerning and constitutes a violation of my rights under existing privacy and consumer protection laws. 

I am requesting the CFPB to : Initiate an immediate investigation into this matter to determine whether my data was accessed without authorization. 
Clarify the role ( if any ) of XXXX. and XXXX XXXX in obtaining or using my information. 
Provide transparency into whether government agencies or loan servicers are sharing data inappropriately with external individuals or organizations. 
Ensure corrective actions are taken to prevent any further breaches of privacy or misuse of my financial data. 
I am concerned that this incident may violate federal privacy laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), and may expose me to financial harm or identity theft. 

I appreciate your immediate attention to this matter and request a timely response outlining the next steps. 

Thank you for your support in safeguarding consumer rights and data privacy. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The XXXX, NY XXXX XXXX XXXX [ Insert Today 's Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Regarding Unauthorized Access to My Student Loan Information by XXXX and XXXX XXXX  Dear CFPB Complaint Intake XXXX, I am writing to formally complain about a serious breach of privacy and potential misuse of my personal information related to my student loans. I have reason to believe that an organization known as XXXX. and individuals or entities associated with XXXX XXXX have gained unauthorized access to my student loan records and personal data. 

As a borrower, I entrusted my information to student loan servicing entities with the expectation that it would be protected in strict accordance with the law. The possibility that third partieswithout my knowledge or consentmay have accessed my personal financial data is deeply concerning and constitutes a violation of my rights under existing privacy and consumer protection laws. 

I am requesting the CFPB to : Initiate an immediate investigation into this matter to determine whether my data was accessed without authorization. 
Clarify the role ( if any ) of XXXX. and XXXX XXXX in obtaining or using my information. 
Provide transparency into whether government agencies or loan servicers are sharing data inappropriately with external individuals or organizations. 
Ensure corrective actions are taken to prevent any further breaches of privacy or misuse of my financial data. 
I am concerned that this incident may violate federal privacy laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), and may expose me to financial harm or identity theft. 

I appreciate your immediate attention to this matter and request a timely response outlining the next steps. 

Thank you for your support in safeguarding consumer rights and data privacy. 

Sincerely, XXXX XXXX XXXX

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The XXXX, NY XXXX XXXX XXXX [ Insert Today 's Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Regarding Unauthorized Access to My Student Loan Information by XXXX and XXXX XXXX  Dear CFPB Complaint Intake Officer, I am writing to formally complain about a serious breach of privacy and potential misuse of my personal information related to my student loans. I have reason to believe that an organization known as XXXX. and individuals or entities associated with XXXX XXXX have gained unauthorized access to my student loan records and personal data. 

As a borrower, I entrusted my information to student loan servicing entities with the expectation that it would be protected in strict accordance with the law. The possibility that third partieswithout my knowledge or consentmay have accessed my personal financial data is deeply concerning and constitutes a violation of my rights under existing privacy and consumer protection laws. 

I am requesting the CFPB to : Initiate an immediate investigation into this matter to determine whether my data was accessed without authorization. 
Clarify the role ( if any ) of XXXX. and XXXX XXXX in obtaining or using my information. 
Provide transparency into whether government agencies or loan servicers are sharing data inappropriately with external individuals or organizations. 
Ensure corrective actions are taken to prevent any further breaches of privacy or misuse of my financial data. 
I am concerned that this incident may violate federal privacy laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), and may expose me to financial harm or identity theft. 

I appreciate your immediate attention to this matter and request a timely response outlining the next steps. 

Thank you for your support in safeguarding consumer rights and data privacy. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my 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 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXX # XXXX Account # XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX I look at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 
( A ) In generallf, after and revestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item if information, as appropriate, based on results of the reinvestigation ; and ( II ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Reporting company used your report improperly
Company: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
Quality acceptance is reporting my report wrong and inaccurate and is re-aging my account with them and that is a violation under the Fair Credit Reporting Act and Fair Debt Collection Practices Act I feel like they are continuously doing it on purpose just to hurt my credit worthinessthey have put my account as past due and then put it back to current said my account was repossession and then removed it multiple times and also has put it back in to reposition status said it was a charge off last year in 2024 this year they said it again as if it was new and last year they also said my account was closed in XXXX and then again in XXXX of this year they are prolonging the amount of time that this account will be on my credit report. I dont know why they keep changing the derogatory mark on my account, but it is hurting my account and want them to compensate me for the damages done to my credit report that they know they doing on purpose

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 — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX I used the Chase Bank app for a bill payment. I request {$750.00} check to be sent to my uncle, XXXX XXXX. The funds were debited from my account on XX/XX/XXXX. The online portal indicated that the transaction completed on XX/XX/XXXX. I had a similar payment sent to the same payee in XX/XX/XXXX. Neither of the checks were received by my uncle, nor were they cashed to my knowledge. My bank said that the checks cleared my account but could not provide me any further information and did not comfirm if the checks where cashed. I request an image of the cashed check. I have not received an image. I asked to dispute the payments and put a stop payment on the checks and they denied me. I believe this is a larger problem, Chase Bank is debiting funds for electronic bill payments of uncashed checks and not returning the funds when checks go uncashed. I am seeking a class action suit against JP Morgan Chase Bank to recover the moneys from the checks that were not cashed, plus punitive damages, plus treble damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting an account with XXXX XXXX XXXX that belongs to a relative. For some reason, they continue to verify this account belongs to me. I am uploading documentation, which includes the application and loan agreement. The application clearly indicates another social security number. This loan belongs to a relative of mine with similar information. I I am asking Equifax to remove this item from my credit report. If necessary, they should be able to verify this item belongs to somebody else with the original creditor. 

I am including my ID and utility bill as proof of ID and address.

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: Nelnet, Inc.
State: OH

Complaint narrative:
XXXX XXXX and XXXX have illegally accessed my student loan information through government systems they did not have the proper security clearances for. This is a violation of the terms and conditions of my student loans, and I wish to have them canceled due to this breach of contract. I am requesting this to protect my private information from unsolicited third parties. I have diligently been making the payments for these debts for years and am maintaining my agreement to the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 XXXX XXXX, I formally request their removal within XXXX  days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.

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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
-I was alarmed that there are inaccurate late payment remarks on my 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 non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Asked for Transunion, Experian, Equifax to provide me with the information sent in the last letter and they did not give me all the proper info I requested.

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