vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Doge has unlawfully obtained my information and I have no idea what it is being used for.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Capital One regarding negligent behavior and misinformation during settlement negotiations. Below is a summary of the events : Background : I owe {$36000.00} on Capital one credit card and my account has been charged off since XX/XX/year>. During negotiations to settle the debt, I offered {$9000.00} as a full settlement. The Capital One representative informed me that the lowest they could accept was {$10000.00}. Based on this, I was led to believe that I could settle for that amount. 

The Issue : However, upon receiving the official settlement disclosure at the time of making a payment, the amount representative stated was {$20000.00}, which was much higher than the figure originally mentioned by the representative. This discrepancy between the verbal offer has caused confusion and frustration, leading me to believe Capital One failed to provide accurate and consistent information. 

The representative initially stated that {$10000.00} was the lowest acceptable settlement amount, which I based my financial plans on. This was later proven to be incorrect. 
The inconsistency and the inaccurate offer made it difficult to settle in good faith. I was never informed that the official settlement amount would be significantly different, and this lack of transparency has complicated the process. 

I have made several attempts to resolve this issue directly with Capital One, but my efforts have been unsuccessful. Despite my persistence, I have been unable to reach a resolution and have been misled by the inconsistent information from Capital Ones representatives. 

I am offering a lower settlement amount due to my current financial hardship, as I have no income at this time. This makes it incredibly difficult for me to offer a higher amount, and I hope Capital One will take my situation into account when considering a fair settlement.

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 — Received bad information about your loan
Company: Nelnet, Inc.
State: AL

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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/year> someone unauthorized and fraudulently gained access to my PayPal account. My email address was compromised and the attacker levered a password reset against my Paypal account, thus gaing access to Paypal. After the breach had been discovered by me the same day, I was able to take control back of my email and Paypal account. However, during the time that the unauthorized attacker had access to my account, Paypal suspended my account permanently without any ability to appeal their decision. I would like the funds back that I had in Paypal as well as the ability to see my historical transactions. I contacted Customer Support multiple times and they deemed the decision final and I no longer have access to anything in my Paypal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
On XX/XX/year> I submitted a compliant under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access and potential misuse of my personal and educational records. Recent reports have indicated that the Department of Government Efficiency ( DOGE ) and XXXX XXXX were granted access to sensitive student loan records without proper consent. I formally requested the following actions : 1. An immediate investigation into the unauthorized access to my records.

2. Disclosure of any entities or individuals who have accessed my records unlawfully.

3. The dismissal of my federal student loans as a remedy for this egregious violation of my privacy rights.

I have received no response to my complaint.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Bank shortened monthly statement period to 25 days to charge customers fees that wouldnt normally be charged if they kept the monthly statement lengths to atleast 28 days. The excuse I was given is XXXX is a shorter month. Its still at least 28 days and they cant even use the excuse of weekend or holiday because one of the statement dates is on the weekend. I deposited {$500.00} every two weeks on a Thursday. I was charged a {$10.00} fee.

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: TN

Complaint narrative:
In accordance with Fair Credit act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under USC 1681 ... XXXX and also XXXX XXXX,, and also XXXX XXXX, Check into cash .. Also XXXX XXXX XXXX And the last is XXXX XXXX!! I looked at my credit score on XX/XX/year> and noticed something's 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 15 USC 1681 ( e ) ( b ) .. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.. ( A ) generalif, after any reinvestigation under paragraph ( 1 ) of any information disputed

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian

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: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: VA

Complaint narrative:
I am writing to file a complaint under the Family Educational Rights and Privacy Act regarding the unauthorized access to my personal identifiable information by XXXX XXXX and his employees through the Department of Education 's Database. I recently noticed that my student loans went out of forbearance in XXXX. To my understanding, the Department of Education is required to safeguard students ' records and only grant access to authorized parties under the FERPA guidelines. Unauthorized access by private individuals or corporate representatives is a serious breach of these protections. I respectfully request that your office investigate the matter and take appropriate actions to ensure my personal information remains protected. Please provide me with any relevant findings. 

Thank you in advance.

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: 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: WV

Complaint narrative:
After making a dispute with cfpb about Equifax not doing their job correctly and that they were being sued for improper investigations and troubles with credit reporting they took offense to me doing so and tarnished my credit score even worse. The last complaint I made was that the dates did not match for Miss payments or late payments and it should not be on my credit to start with because that's against fcra regulations. These dates are wrong they know they are and when I complained they really went to town and show a nasty XXXX score when it should not be. They need to remove this immediately and fix it back the way it's supposed to be and get rid of the stuff that's supposed to be on it. I've also had trouble with TransUnion an Experian not doing their job correctly so I figure they're going to end up doing the same thing.

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 2025-03-13 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: WV

Complaint narrative:
After making a dispute with cfpb about Equifax not doing their job correctly and that they were being sued for improper investigations and troubles with credit reporting they took offense to me doing so and tarnished my credit score even worse. The last complaint I made was that the dates did not match for Miss payments or late payments and it should not be on my credit to start with because that's against fcra regulations. These dates are wrong they know they are and when I complained they really went to town and show a nasty XXXX score when it should not be. They need to remove this immediately and fix it back the way it's supposed to be and get rid of the stuff that's supposed to be on it. I've also had trouble with TransUnion an Experian not doing their job correctly so I figure they're going to end up doing the same thing.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IA

Complaint narrative:
Subject : Urgent Complaint Regarding Illegal Access to Student Loan Information & Unjust Removal of XXXX Program To Whom It May Concern, I am submitting this formal complaint regarding serious concerns over the potential illegal access and use of student loan information by XXXX XXXX, as well as the unjust removal of the XXXX XXXX XXXX XXXX ( XXXX  ) program. These actions have directly impacted my financial future, and I am demanding a full review and immediate loan forgiveness due to the breaches of borrower rights and policy changes without due notice. 

Key Concerns : Unlawful Access to Student Loan Data : Reports indicate that XXXX XXXX or entities affiliated with him have accessed or influenced student loan borrower data illegally and unethically. If my personal financial information was accessed without my consent, this constitutes a serious privacy breach and a violation of consumer protection laws. 

Unjust Removal of XXXX Without Due Process : I was actively working toward XXXX XXXX XXXX XXXX  ( XXXX  ) under the legal terms of my student loan agreements. The sudden elimination of XXXX transparent reasoning, proper notice, or transition planshas left me and many other borrowers in financial turmoil. This removal was done unfairly, and I should not be penalized for relying on a federal program that was promised to me. 

Violation of Borrower Rights & Due Process : The U.S. Department of Education and loan servicers have an obligation to honor commitments made to borrowers. The unlawful access of student loan information and the sudden elimination of XXXX violate my rights as a borrower and constitute deceptive financial practices. 

Loan Forgiveness Must Be Granted Due to These Violations : Given the clear breaches of data privacy, ethical standards, and financial agreements, I am demanding that my student loans be fully forgiven as a remedy for these unjust actions. 


Please confirm receipt of this complaint and provide next steps regarding my loan forgiveness request and the investigation into these matters.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I contacted all 3 bureau on XX/XX/XXXX Transunion, Equifax, Exprian asking them to correct my credit report, stating FCRA 611 ( 15 U.S.C. 1681i. I requested that the following items be removed : Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion EXPERIAN XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian DEPT OF ED XX/XX/XXXX TransUnion XXXX XXXX NA XX/XX/XXXX Experian

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: MO

Complaint narrative:
I contacted all 3 bureau on XX/XX/XXXX Transunion, Equifax, Exprian asking them to correct my credit report, stating FCRA 611 ( 15 U.S.C. 1681i. I requested that the following items be removed : Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion EXPERIAN XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian DEPT OF ED XX/XX/XXXX TransUnion XXXX XXXX NA XX/XX/XXXX Experian

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS 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 XXXXXX/XX/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 non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Specifically, under 15 U.S.C. 1681, Section 602, I am entitled to privacy protections. Additionally, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, pursuant to 15 U.S.C. 1666b, a creditor is prohibited from considering a payment on a credit card or account under an open consumer credit plan as late for any purpose.

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 2025-03-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Specifically, under 15 U.S.C. 1681, Section 602, I am entitled to privacy protections. Additionally, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, pursuant to 15 U.S.C. 1666b, a creditor is prohibited from considering a payment on a credit card or account under an open consumer credit plan as late for any purpose.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name 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 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

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 2025-03-13 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief