vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
I wrote Federal Student Aid to formally request the cancellation and discharge of my federal student loans due to the Department of Education 's serious breach of privacy protections, as recently revealed in public reporting and legal filings. 


According to XXXX XXXX 's XX/XX/XXXX report, the Education Department granted XXXX staffers access to personal information of over XXXX XXXX federal student loan borrowers without proper authorization or notification. This unauthorized sharing of sensitive personal data includes Social Security numbers and income information, as detailed in a lawsuit filed by XXXX XXXX XXXX XXXX and Student Defense on behalf of the University of California Student Association. 

As both a federal student loan borrower and a XXXX XXXX, I am particularly concerned about this breach of privacy, which appears to violate : The Family Educational Rights and Privacy Act ( FERPA ) The Privacy Act of XXXX The Federal Information Security Management Act ( FISMA ) The Department of Education 's own privacy policies and data protection protocols The unauthorized sharing of my personal data without my consent represents a fundamental breach of trust and statutory obligations. I therefore request : Immediate cancellation and discharge of all my outstanding federal student loan debt due to this breach of privacy protections. 
Written confirmation of exactly what personal data was shared with XXXX. 
Detailed documentation of when and how my data was accessed. 
Written explanation of what steps are being taken to secure my personal information going forward. 
Compensation for credit monitoring services I may need to purchase as a result of this breach. 
Written confirmation that my data has been removed from any unauthorized third-party systems. 
A complete audit log of all accesses to my personal information from XX/XX/XXXX to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Amsher Collection Services, Inc.
State: WI

Complaint narrative:
My bills were sent to a 3rd party without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
EXPERIAN XXXX XXXX XXXX XXXX XXXXXXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Inquiry made on : XX/XX/XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized the inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 

Your immediate attention to this matter is appreciated. 

Sincerely, XXXX XXXX XX/XX/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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: MT

Complaint narrative:
In XX/XX/year>, I noticed a fraudulent transaction from my checking account. It was made to Coinbase, but I didn't make the transfer of funds nor did I authorize it. I went to my Coinbase account only to discover that all my XXXX had been converted to USD and a different XXXX that I had never heard of was purchased with the money. I also discovered several other fraudulent purchases of which I had no clue. I immediately called Coinbase to alert them to the fraud and spent over an hour on the phone with a representative. The rep said he'd have to temporarily lock my account while he verified my identity, which could take up to 48 hours, and that he'd send me an email when I was verified. I never heard back. Instead, the rep, or someone else in the company, locked me out of my account instead of following through on the help they said they'd provide. They did this before I was able to print a copy of all the transactions. On the same day, I also contacted my bank and closed my checking account. The bank returned the money to my account only to take it back when they were notified by Coinbase that I authorized the transaction. I tried to get info from Coinbase on how they determined that I authorized this, with no luck. I also tried to get documentation from my bank and was twice told they'd send it to me, but have yet to receive it. I had security measures in effect on my Coinbase account, so don't believe it was a security breach on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Lincoln Financial Services
State: CA

Complaint narrative:
Nearly XXXX XXXXXXXX was removed from my XXXX by my former employer XXXX XXXX XXXX. They say that due to a failed XXXX XXXX  test, it was determined I had over contributed to my XXXX in XXXX. On XX/XX/XXXX the funds were removed from my account without any notification. A check was written by Lincoln Financial and made out to my previous employer, not me. These funds were received and deposited by my former employer. 

While working to roll over my XXXX to my new employer 's plan, I noticed the unauthorized transaction and started contacting both Lincoln Financial and my former employer and HR department. They all agreed that my former employer incorrectly cashed the check.

Lincoln Financial says they will not resend the funds to me unless my former employer returns the funds he deposited. 

The funds have been in my former employer 's account since XX/XX/XXXX and no check has been returned to Lincoln Financial or to myself to rectify the situation.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-09 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: MicroBilt / PRBC (formerly CL Verify)
State: OK

Complaint narrative:
Bankruptcy is unverified by the US Bankruptcy Court and court trustee of the XXXX XXXX XXXX XXXX XXXX XXXX as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the US Bankruptcy Courts omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.

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 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
In XX/XX/XXXX, I became aware of reports that unauthorized third parties may have accessed and improperly disclosed student loan borrower data, including information held by MOHELA and the XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX Given the severity of these claims, I contacted MOHELA on XX/XX/XXXX to request : A full record of my student loan data. 
Account access logs to determine who accessed my records. 
Confirmation of whether my personally identifiable information ( PII ) was shared with third parties without my consent. 

At this time, I have not yet received a response from MOHELA. However, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that this issue is formally documented and to request oversight regarding how MOHELA handles borrower data security and disclosure requests. 

As a federal loan servicer, MOHELA is responsible for protecting borrower information and ensuring that student loan records are not accessed or shared without proper authorization. Their handling of this request will determine whether they are in compliance with federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of XXXX. 

I am requesting that MOHELA provide a full and transparent response regarding the status of my loan records and confirm whether any unauthorized access or disclosures have occurred. If MOHELA does not respond in a timely manner or fails to provide the requested information, further action may be necessary to ensure borrower data security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 am filing this complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds stating that the accounts are accurate and verified, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act,15 U.S.C.1681i which mandates a reasonable investigation of disputes. Futhermore, Experian 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complieswith federal la and provides consumers with the necessary proff of investigation.

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 2025-02-10 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: MI

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$44000.00}

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 explanation
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$44000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MS

Complaint narrative:
I was attempting to use Wise Inc services to make a domestic transfer from one personal account to another. However, the cancelled my transfer and requested that I submit information regarding how I get paid. Now, this is not a banking company and under privacy laws, I feel I have no obligation to provide such information to them. However, as a courtesy only, I did provide the requested information to them. After submitting that information, they claim that it's still not enough to verify my transfer. Although, at account creation I legally verified who I am and they did not require this separate information from the start. The amount in question equals {$10000.00}. They are now withholding this money from me and keeping it captive in my account with them. I feel they have absolutely no right or reason to do so. They're claiming security measures but I think that is just a rise for them to commit Grand Theft against me and take my money. I attempted to file a police report, online, with the XXXX XXXX XXXX, since their address is based out of New York City, New York. However, upon submitting that report, the online form stated that it's not a valid address. Therefore, I believe fraud is afoot and that this company should no longer be allowed to conduct business with XXXX on or offline! I have gone through major frustrations trying to resolve this matter with them and to no avail will they relinquish their hold over my funds. Please, I need some serious help in recovering said funds from them. Any additional information that you need, I will be more than happy to provide. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX Home Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account has been misreported as late. Payments were made as agreed upon, and this must be corrected. 

XXXX. XXXX XXXX Account XXXX : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed. 

XXXX. XXXX XXXX Account Number : XXXX Full Legal Name : XXXX XXXX Home Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This late payment occurred during a documented financial hardship, which was communicated to t creditor. The late mark should be removed. 
XXXX. XXXX XXXX Account XXXX : XXXX This late payment occurred during a documented financial hardship, which was communicated to t creditor. The late mark should be removed. 
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open collection account with a limit. 

XXXX. XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: NV

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on Date opened XX/XX/XXXX under the account number ( XXXX ), And a student loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a student loan account opened at XXXX on XX/XX/XXXX, under the account number ( XXXX ), a collections account opened at XXXX XXXX XXXXXXXX XXXX opened on XXXX with a balance of $ ( XXXX ). A account at XXXX XXXX XXXX on XXXX XXXX with a balance of $ ( XXXX ). A account a XXXX XXXX, opened on XXXX XXXX with balance of $ ( XXXX ). A account at XXXX. XXXX, XXXX opened on XXXX XXXX with a balance of $ ( XXXX ). A account at XXXX XXXX XXXX opened on XXXX XXXX with a balance of $ ( XXXX ). account # ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( FTC Report Number : XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 2025-02-09 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: NV

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on Date opened XX/XX/XXXX under the account number ( XXXX ), And a student loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a student loan account opened at XXXX on XX/XX/XXXX, under the account number ( XXXX ), a collections account opened at XXXX XXXX XXXXXXXX XXXX opened on XXXX with a balance of $ ( XXXX ). A account at XXXX XXXX XXXX on XXXX XXXX with a balance of $ ( XXXX ). A account a XXXX XXXX, opened on XXXX XXXX with balance of $ ( XXXX ). A account at XXXX. XXXX, XXXX opened on XXXX XXXX with a balance of $ ( XXXX ). A account at XXXX XXXX XXXX opened on XXXX XXXX with a balance of $ ( XXXX ). account # ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( FTC Report Number : XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief