vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I was recently made aware through various news sources that my federal student loan data may have been accessed and used without my consent by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, or the entities that are associated with him. My data appears to have been accessed through the Department of Education 's student loan systems, which I understand are supposed to protect my privacy and have security regulations. All of this happened, during the month of XXXXXXXX XXXX XXXX and continues till this day. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX may have gained access to my personal financial information without my knowledge or approval. This puts me on high alert as this brings up serious security concerns for me and everyone else that has an account with the Department of Education. Our integrity and security are jeopardized within the federal student loan system. 

This has put extreme distress upon me and my daily life. Not only has XXXXXXXX XXXX XXXX XXXX 's team, may have possibly accessed my personal data, they shut down programs for me to consolidate my loans or choose new repayment options. I do not have access to any of that to try to pay off my school loans in a proper time period. 

I request that appropriate steps be taken to address any unauthorized use of my data and ensure that my personal information remains secure. Additionally, I would like to receive any guidance on how I can protect myself in the future with other similar actions that might occur to help remedy the amount of distress that comes out of situations like this. 

Thank you for your attention to this matter. I look forward in obtaining a prompt response and a resolution to this urgent matter. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX XXXX had access to my data, a non-elected citizen without my explicit consent. Why was my information, and the information of millions of other Americans compromised? Governmental agencies are here to PROTECT, and my information was not protected.

My private data was accessed through the department of education and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested an investigation and the removal of these accounts. You should have confirmed it on your records if you have investigated it properly. Please review these accounts and remove the late remarks on my account. 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 Also removed these unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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 am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled XXXX XXXX  and FERPA : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 
I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken. 

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: FL

Complaint narrative:
I want reported accounts removed 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Checking Account was closed without my knowledge, while I was out of the country. They claimed they have mailed the check. However, being outside of the country I was not able to receive this check. After having problems logging into online banking, I called the bank to find out the account was closed several months ago. I advised them of my current situation and asked them to put a stop payment on the check and give me an alternative way to receive the funds. Like ACH Deposit, or Wire Transfer, or something. They advised me that, they could do ACH only if the account would be closed at the moment of my call, they would be able to do the ACH, but since it has been several months, the system does not give them the option to do it. I said that I was not aware of the account being closed. I have not received any electronic communication in this regard. They said the bank does not have any other option to get me the funds besides mailing another check to an address within US. Please advise me what could I do in this situation. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to formally request the immediate and permanent removal of the following accounts from my credit report, as they are adversely affecting my life and financial well-being As per Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts removed from my credit report. These accounts do not comply with the reporting guidelines outlined under this section, and their continued presence is causing significant harm to my financial stability and personal life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Failure to verify reported information and in a timely 30 day manner.

Fair Credit Reporting Act ( 15 U.S.C. 1681i ) for you to provide a detailed explanation of the methods used to verify the accuracy of certain items on my credit report.

As you are aware, federal law requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. I am requesting that you provide the following for each item in question : 1. A clear description of the investigation process you followed.

2. The name, address, and contact information of each entity you contacted to verify the information.

3. Copies of any documentation provided by those entities that you relied upon to validate the reported items.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15
U.S.C. 1692g, I formally request validation and verification of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, I request proof of your permissible purpose for reporting this account to the credit bureaus.

To validate this debt, please provide the following documents : 1. Proof of Debt A complete itemized statement of the alleged debt, including the original contract with my signature, demonstrating my obligation to pay.

2. Assignment of Contract Legal documentation proving your authority to collect this debt, including a full chain of title from the original creditor to your company.

3. 1099-C Cancellation of Debt If this debt has been discharged or written off, I request a copy of IRS Form 1099-C.

4. Permissible Purpose Written evidence under 15 U.S.C. 1681b ( a ) that you have a legal right to access and report this account on my credit file.

5. Verification Process A detailed explanation of the procedures used to verify this debt, per my rights under 15 U.S.C. 1681i ( a ) ( 7 ).

If you are unable to provide this information, you are required by law to delete the unverifiable accounts immediately under FCRA guidelines. Failure to comply with this request may result in legal action being pursued to enforce my rights.

I expect a full response within the legally mandated 30 days from the date you receive this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  sent me a 'pre-legal " email stating I need to respond by XX/XX/XXXX other wise legal action will be done. I had a Care Credit account. I was approved for XXXX XXXX Care credit and XXXX show I was only approved for XXXX XXXX They have called 8 times from XX/XX/XXXX to XX/XX/XXXX, twice on XX/XX/XXXX XXXX hours apart. All from different phone numbers. I found out today that they are alap calling my son, which his phone number is not listed anywhere. 

According to the XXXX, XXXX is not licensed in the state of Florida to collect. This account is not on my credit reports. The only Care credit listed is from XXXX and it was discharged through bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: KY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFFB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Discharged Bankruptcy Debts are wrongly being reported. Debts that were included in my XXXX XXXX Bankruptcy after discharge have not been removed from my credit reports. After a debt has been discharged in a bankruptcy, it should be removed from the consumers credit report. Failure to do so within a reasonable amount of time, can be a violation of the Fair Credit Reporting Act Law. The Federal Rule of Bankruptcy Procedure 9037 States the following : RESPONSIBILITY FOR REDACTION Federal Rule of Bankruptcy Procedure 9037 governs the privacy and security of information filed with the Court. With the exception of transcripts, redaction/removal of personal identifiers to limit access to the information filed with the Court is the responsibility of the person filing documents. 

Specifically, the filer must limit the information to the following : 1. Last four digits of the social-security number or taxpayer-identification number ; 2. Year of the individuals birth ; 3. Minors initials ; and 4. Last four digits of the financial account number, except the redaction requirement does not apply to the following : a. Financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; b. The record of an administrative or agency proceeding unless filed with a proof of claim ; c. The official record of a state-court proceeding ; d. The record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; e. A filing covered by subdivision ( c ) of this rule ; and f. A filing that is subject to 110 of the U.S. Bankruptcy Code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. Below are the accounts I am requesting to be reinvestigated : *Account Nam
e : XXXX XXXXAccount Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I used Zelle via XXXX XXXX  to pay for a product I did not receive. I requested assistance from my local police and my bank and none was provided. A car was advertised on XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX  alumni page. I reached out the the sell an individual I assumed was my classmate because it was advertised under her profile. A price was negotiated and a deposit was sent. After the deposit was made all communication stopped. After a XXXX search I found my classmate number and contacted her, just to be informed that her account was hacked, she was not selling a car and had no idea of what had occurred. I created another profile and reached out to the sell who still had the care for sale. I requested my funds back, each attempt failed. I then went to the police and filed a report and later to the back who stated they were going to investigate the matter. However their investigation led no where and I am still out of {$1000.00}. I provided the police with the true sellers address and contact information however noting came out of that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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 am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation