vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit Acceptance Corp. This company is on my credit report this vehicle was paid in full by me because it was on my credit report. I never signed an insurance policy but was given insurance by the dealership not knowing it would be canceled the following month. This vehicle was repo by credit acceptance and they made a deal with me if I was to pay the full balance they would remove it from my credit report. So I paid them XXXX cash XX/XX/2023 and this is still on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
On XX/XX/XXXX, I attempted to call the XXXX XXXX XXXX XXXX XXXX to see if I could retrieve my transcript in order to move forward with my XXXX  education. XXXX calling the office, they redirected me to the Business Office because my loan was not currently active and had been sent off to a third party collection agency. The Business Office was able to give me a balance and a payment plan option, but I am unable to pay the amount because my family has been under hardship. This has been blocking my education for the last 20 years, asXXXX other obligations have caused me not to be able to pay off this loan. I am writing this complaint because I do believe that the loan should be excused, or at the very least, my transcript should be released considering the circumstances. Here is some background about the loan. 

In the summer of XXXX, I decided to register for classes after a successful first semester straight out of XXXX XXXX  that Fall XXXX. I registered for the classes and took a summer loan from Wells Fargo. I even attended them the first week, in which the deadline for refund had passed. After, the first week, I realized that the demand of traveling back and forth 45 min to 1 hour each day and still having obligations aside of school was going to be too taxing so I decided to drop my classes. I had not obtained my books or received any refunds for the loan so there was no money received yet. I went to the front office to try and negotiate the loan being excused, but they said they couldn't due to the deadline. Since that time, the unused student loan has been applied to my credit and then sent to collections. My transcript has had a hold on it ever since. I am now wanting to go back to school at the age of XXXX and obtain a XXXXXXXX XXXX XXXX  so that I can better take care of my family, but this one small thing is blocking me. The loan is a total of {$1800.00}. They said they could split it into 4 payments and uphold the transcript after the first payment, however because my husband and I are struggling with XXXX kids and looking for jobs, I can not pay even a fourth of that amount every month. 
I am asking that you would please pardon this loan, or at least remove the hold so that I can move forward and perhaps pay it off in the future as times get better for us. Thanks for your consideration.

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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This breach has caused significant distress and concern regarding the security of my personal and financial data. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Dear [ Capital One ], I am writing to formally request the charge-off for the above-referenced account in accordance with the applicable provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, in relation to the account I hold with your company. 
This account, originally opened on [ XXXX  ], has an outstanding balance of $ [ XXXX ]. I acknowledge that the account was not paid in full as agreed ; however, I am requesting that your company officially report the account as " charged off '' to the credit reporting agencies, as is your legal right under 26 U.S.C. 166. The charge-off will provide an accurate and timely reflection of the account 's status on my credit file.

In accordance with the guidelines established by the Internal Revenue Service, I would also like to request the issuance of a 1099-C form, per 26 U.S.C. 6050P, to report the forgiven debt as income if it qualifies under the applicable threshold.

I understand that once an account is charged off, it remains on my credit report for up to seven years from the original delinquency date, as outlined in the Fair Credit Reporting Act ( FCRA ). As such, I respectfully ask for the account to be updated to reflect its correct status and for further collection activity to cease, in alignment with FDCPA guidelines.

Please provide written confirmation once the charge-off has been processed or if any further documentation or action is required from my end.

Thank you for your attention to this matter. I look forward to your prompt response and resolution to this issue. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
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 — Account status incorrect
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I have been dealing with identity theft since XX/XX/XXXX, which has caused significant financial hardship. As a result, I struggled to make timely payments on my car loan, but I paid what I could when possible. The late payments were reported from XX/XX/XXXX to XX/XX/XXXX. Despite reaching out multiple times to my lender for assistance, the representatives were unhelpful and informed me that they would not assist in removing the late payments from my credit report. I provided proof of the identity theft, but they refused to take any action. Under the Fair Credit Reporting Act ( FCRA ), I understand I have the right to dispute inaccurate information on my credit report, and I am requesting your assistance in having the late payments, caused by identity theft, removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education and the Department of Governmental Entities. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act violation and Title VA regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent.

1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information.

Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. the direct impact on my financial security and privacy, I demand the following corrective actions :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
I received 3 emails that Chime had opened an account and was ready to receive funds. When I called the company to report fraud they asked for my date of birth or social security number which I did not supply to them. They said they could not close any account unless I supplied them that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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 had failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigstion of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau 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 dispute outcomes. These failures align with my experience, where Experian has neither contacted nor removed disputed items despite the evidence and information I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experians 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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX, I attempted to send money through XXXX using my Wells Fargo account but was unable to complete the transaction. I called Wells Fargo customer service, and the call lasted 8 minutes. The representative told me to try again later. My account is in good standing, and I am under the daily XXXX limit. 

Later that day, at XXXXXXXX XXXX, I called Wells Fargo again after attempting another transaction. This call lasted 12 minutes. The representative informed me that the system was blocking my XXXX transactions and that I would have to try again later. They did not provide a valid reason for the block or a timeline for when it would be resolved. 

On XX/XX/year>, at XXXXXXXX XXXX, I spoke with XXXX at Wells Fargo. I explained that I was unable to send a XXXX payment due to a system block. XXXX looked into the issue but stated there was nothing they could do to unblock the payment. They suggested using alternative payment methods, such as XXXX, XXXX XXXX, or a wire transfer, but did not provide a clear explanation for why the XXXX payment was being blocked. The call was recorded. 

I also contacted XXXX, but they directed me back to Wells Fargo, as they do not have access to my bank account information. This block has caused significant inconvenience and financial hardship. I rely on XXXX to send money to family and pay bills, and the inability to use this service has disrupted my finances. 

I am requesting that Wells Fargo immediately restore my access to XXXX and provide a clear explanation for why my transactions were blocked. If the block can not be lifted, I request a detailed explanation of the reason and steps I can take to resolve the issue.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX in the earlier part of the day I went to the Bank of America on XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and I used the atm on the left and deposited {$200.00} in cash XXXX {$100.00} bills and I received an error on a receipt but I checked my account and the money was in there then I checked a few days later and the money and the transaction disappeared. The company after first call submitted an appeal the next time they claimed it was approved and the money would reach my account by XX/XX/XXXX at XXXXXXXX XXXX and it is now the XXXX of XXXX and the money is still not in my account I called today and the person I talked to had no idea what I was talking about and they claimed that no claim had been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased razors from target on XX/XX/24 for {$170.00}. They were supposed to deliver them to my home but they never arrived despite tracking indicating that they had. I complained that I did not receive the goods and target, without investigating anything at all, just immediately deemed that they were delivered and even attempted to claim I was some sort of scammer because I had newly created an account on their website for this purchase. 

I filed a dispute with American Express regarding this matter and they did not take my dispute seriously at all. XXXX did not provide any evidence of the item being delivered other than the tracking saying it was. This includes no picture of delivery or any sort of evidence at all that the items were in fact delivered to the correct place other than the driving just clicking delivered on their ipad. American Express ruled against me in this dispute. 

I re-opened the dispute claiming no actual evidence of delivery was provided. XXXX re-submitted the same tracking number information which proved nothing and even started making claims that I had said I returned the item and THEY never received it. I of course, never returned this item because I never received it in the first place. It just goes to show target never actually took this complaint seriously, they just figured if they kept sending nonsense paperwork over the fence to Amex, then Amex would side with them. It appears they were right. 

I never received these goods and I should not be billed for them. Furthermore, a credit card company should provide diligence in investigating claims rather than just siding with big retailers that send nonsense paperwork over the fence without trying.

Company response to consumer: Closed with monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I recently discovered that my personal information, including my Social Security Number ( SSN ) and other sensitive details, were exposed due to a data breach at XXXX XXXX XXXX. This breach occurred when According to XXXX XXXX XXXX, a malicious actor gained access to their systems in XX/XX/XXXX and leaked sensitive data onto the dark web from XX/XX/XXXX to the summer of XXXX. This data contained the following details : Full names Social Security Numbers Mailing addresses Email addresses Phone numbers Risks of the exposed data The compromised data in this breach can be exploited for different cybercrimes and fraudulent actions. The following list shows possible risks associated with each category of exposed information : Full Names : Misuse of your identity for fraudulent activities, such as opening new accounts or making unauthorized purchases. 

Social Security Numbers : High risk of identity theft, which can lead to fraudulently opened credit accounts, loans, and other financial activities. It's important to monitor your credit reports. You might want to consider placing a fraud alert or credit freeze on your social security number. 

Addresses : Access to your physical address increases the risk of identity theft and physical threats. These threats can include fraudulent change-of-address requests and potential home burglaries. 

Phone Numbers : There is a high likelihood of increased phishing attacks through text messages and phone calls, potentially resulting in unauthorized access to personal and financial information. This also increases the risk of unsolicited ( spam ) calls. 

Email addresses : Increased risk of targeted phishing, account takeovers, unauthorized access, and a higher chance of spam emails. As a result, my XXXX and other personal identifiers were compromised and may have been accessed by unauthorized entities. Also There is a lawsuit due to XXXX XXXX given access to my information. This raises serious concerns about the security of my personal data and the potential for its misuse.

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: 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:
Requested a XXXX XXXX XXXX XXXX ( XXXX ) regarding an inaccurate collection account that appears on my credit report. The account in question is being reported by XXXX XXXX XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The reported status of this account is inaccurate and unverifiable, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, parroting information provided by data furnishers without conducting an independent verification constitutes willful noncompliance, as upheld in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Pursuant to my rights under the FCRA ( 15 U.S.C. 1681i ), I am requesting : Complete and Itemized Media of Information on this account, including : The original signed agreement or contract. 
A full payment history and itemized breakdown of the alleged balance. 
Verification of your independent investigation into this accounts accuracy.

Immediate removal of this account from all three credit bureaus ( TransUnion, XXXX, and XXXX ) due to its inaccurate reporting. 
Failure to comply with this request will leave me with no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 
I expect a written response within XXXX days as required by law. If you require further information to complete this request, please contact me in writing at the address listed above.

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