vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MO

Complaint narrative:
I am submitting this formal complaint to report a serious breach of my privacy and a likely unlawful access to my federally protected student loan records. I believe that XXXX XXXX, either directly or through channels connected to the Department of Government Efficiency ( DOGE ), has accessed my federal student loan information without my consent, without legal authority, and without clearance under any existing federal statute.

This constitutes a potential violation of several critical federal laws designed to protect borrower data and prevent unauthorized surveillance or data mining, including : 1. Family Educational Rights and Privacy Act ( FERPA ) 20 U.S.C. 1232g Protects education records from unauthorized disclosure or access, except to explicitly authorized parties.

2. Privacy Act of 1974 5 U.S.C. 552a Prohibits unauthorized access or dissemination of personal information maintained by federal agencies.

3. Higher Education Act 20 U.S.C. 1098g Limits use or disclosure of federal student loan information solely to statutorily approved purposes.

4. Computer Fraud and Abuse Act ( CFAA ) 18 U.S.C. 1030 Makes it a crime to access protected government or federal systems without proper authorization. 

To my knowledge, XXXX XXXX does not hold any official position within the U.S. Department of Education nor is he lawfully authorized to access federal loan servicing platforms or student data repositories. His involvement via the Department of Government Efficiency ( DOGE ) raises serious concerns about potential systemic misuse of government infrastructure or partnerships for private surveillance or data analytics on borrowers like myself. 

Remedy Requested : Due to this egregious violation of my privacy and unlawful access to my federal student loan information, I am demanding that all of my federal student loans be forgiven in full. The breach of federally protected data, especially by a high-profile figure acting without statutory clearance, warrants immediate and full debt relief as a compensatory measure. 

I respectfully request that your office initiate a formal investigation into : XXXX. The nature and extent of DOGEs involvement in federal loan data systems. 
XXXX. The role of XXXX XXXX or affiliated entities in accessing or influencing this data. 
XXXX. Steps toward immediate forgiveness of all affected borrower accounts, including mine, due to this breach. 

Please acknowledge receipt of this complaint and notify me of next steps in your investigation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX  and DOGE having an unrestricted access to my student loan information including my social and baking information " Workers for DOGE have entered government offices in recent weeks, looking to make deep cuts to federal spending. 

XXXX order came in response to a lawsuit led by XXXX XXXX XXXX XXXX XXXX, a union representing XXXX XXXX members. The XXXX sued several federal agencies, including the XXXX Department, for permitting DOGE access to individuals private data. 

XXXX  president XXXX XXXX applauded XXXX decision. 

When people give their financial and other personal information to the federal government namely to secure financial aid for their kids to go to college, or to get a student loan they expect that data to be protected and used for the reasons it was intended, XXXX said. 

The White House did not immediately respond to a request from XXXX for comment. 

There are currently six DOGE affiliates working at the Education Department, according to the court order. DOGE has claimed that it needed access to student loan programs to investigate waste, fraud and abuse, XXXX said. '' Quoted from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX around XXXXXXXX XXXX cashapp without warning closed my account. Their reasoning was I violated their terms of service but could not indicate what those terms of service were. They have {$990.00} of my money. I was told I could withdraw the funds but only to a bank account or debit card that had already been linked to the account I was not able to add a new one. I explained to them the only account linked had been closed for awhile and the only other option was sending it to my XXXX XXXX. I explained to them I need these funds to pay my bills and they told me to file an appeal which could take up to 45 days. In the mean time Im getting my electric and water cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Would apply my payment to someone else 's account and say I was late or never paid the payment

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 2025-03-14 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
DOGE/XXXX XXXX were allowed to accessed my personal information without my consent, thus breaking the privacy and information policies of my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
EXETER FIN Account number : XXXX Opened : XX/XX/year> Balance : {$8000.00} I have reached out to this XXXX  times and mailed letters to the XXXX  credit bureaus and I have not received a response for this account yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-03-14 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: IN

Complaint narrative:
My federal student loans through dept of ed, serviced by XXXX were inappropriately accessed by XXXX XXXX XXXX XXXX, violating the conditions of my contract. This violates 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 2025-03-14 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: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I called AidVantage because on my report, it said I have a deliquent payment for them. I did not take out a loan through AidVantage, so I called, the lady on the phone, said the last payment was made XXXX of XXXX, while the report on my credit report said the last payment was made in XXXX of XXXX. She said the amount paid was around {$XXXX} and on my credit report, it says the last payment amount was {$XXXX}. She also told me that this loan was transferred from XXXX, in which is a XXXX provider for those who reside or have resided in the state of PA. I have never resided in XXXX She was unable to give me any information on who made a payment, or what account made a payment from. She was unable to give me any information other than my name and address and phone number that tells me that this loan is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MN

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-03-14 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: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I was the victim of a XXXX  XXXX dispute with a partner who was in a mental health crisis and in psychosis. During this incident, they transferred money from my PayPal to theirs. Using my phone. 
I reported this as an unauthorized transaction because I did not authorize it. Yet is being denied, saying, I've authorized it. 
All of this information is in the police report. I have provided that police report number to PayPal per their request. Yet, I am being told to violate a court-ordered no-contact personal protection order in reaching out to an incarcerated individual who I am court-ordered to not have contact with to receive a return of my money. 
I keep receiving the same response file. A police report reach out to this individual. Who you're not supposed to have contact with? Oh, well! Reach out to them regardless! Violate a court order to do so, because we're telling you to. Put yourself at risk so we don't have to do our job and pay you back or even read the messages or the information provided in the case file. 
Ask your kids to go hungry for a week- over a week. Actually, so that we don't have to read and do our job. Let us violate your right as a domestic XXXX victim to get your money back and your belongings back within XXXX XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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
Consumer complaint received 2025-03-14 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-14 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.

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 2025-03-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This debt is reflecting on all three credit bureaus as a collections. I do not owe this company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), due to breached contract on the property managements end. No the debt collectors are impersonating as a law office to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-14 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: MD

Complaint narrative:
On XX/XX/year>, we asked Acting XXXX of the Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX and Treasury XXXX XXXX XXXX to provide us with information regarding the compliance of billionaire XXXX XXXX and other Department of Government Efficiency ( DOGE ) employees with federal ethics laws as part of their campaign to dismantle the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to respond. Therefore, we write to ask the XXXX XXXX Government XXXX ( OGE ) to determine whether XXXX XXXX and other XXXX officials have complied with all federal ethics laws, regulations, reporting requirements, and norms in their interactions at the CFPB. 

XXXX XXXX was illegally given access to my student loan information.

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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: NV

Complaint narrative:
I HAVE NO RECOLLECTION OF THIS ACCOUNT OR DEBT. I DO NOT OWE THIS DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Dear Sir/Madam, I, XXXX XXXX XXXX am filing a complaint regarding a potential fraudulent international banking activity between Citibank ( US ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hereinafter referred to as XXXX  ( XXXX ). On XX/XX/XXXX, I requested a wire transfer of {$1600.00} ( XXXX XXXX XXXX XXXX XXXX dollars ) from my Citibank account to my mother, XXXX XXXX 's account in XXXX. My mother attempted to collect the funds at XXXX but was unable to do so, as the XXXX teller/manager informed her that the bank had not received the wire transfer sent by me from Citibank. The most recent attempt by my mother to collect the funds occurred on XX/XX/XXXX, but she was again refused. This came as a complete surprise, as I have successfully made several wire transfers in the past using the same Citibank-to-XXXX  setup. The most recent of these was a {$1000.00} ( XXXX XXXX dollars ) transfer made on XX/XX/XXXX. 
I have made several calls to Citibank 's wire transfer department starting on XX/XX/XXXX, and subsequently ( see case number below ), seeking additional information and later requesting a recall of the wire transfer. On XX/XX/XXXX, I followed up with Citibank regarding the status of my wire recall request. The operator, XXXX, explained that the XXXX XXXX  is refusing to return the wire transfer to Citibank because additional information is required. XXXX reportedly needs a copy of my passport, citing that a person with similar credentials is on their sanctions list. The Citibank operator advised that she could provide me with the contact email of the XXXX counterpart, so I can send a copy of my passport along with all relevant information, including my name and date of birth, to XXXX. 
As a XXXX citizen, I am unwilling to share this sensitive information with Ukrainian agencies. I do not believe that XXXX 's request is in line with US law and banking regulations. I request that the wire transfer recall be processed and the funds returned to my Citibank checking account within the next 10 business days. If XXXX refuses to return the funds, I kindly ask the XXXX government to intervene to protect its citizens. A possible solution could be to impose sanctions on XXXX, if applicable under the law. Additionally, I request that Citibank take responsibility for the wire transfer recall and deposit the funds back into my account, regardless of XXXX 's decision. 
Immediately below this letter please find copies of XXXX ) Citibank case # of my request of recalling the wire transfer and XXXX ) the receipt of my wire transfer Sincerely, 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