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

Complaint narrative:
Years ago, I froze my credit report because I was notified that my credit information was caught up in a number of data hacks at one or more merchants or service providers. The report has generally been locked since then. Recently, I decided to do some major home upgrades and wanted to use credit to finance the work, so I went to TransUnion ( required by the company offering the loan ) to lift the freeze. In trying to access my account online, I was locked out. Over the next four days, I called and spoke to several reps at TransUnion, who tried to verify my identity using system-generated security questions. Those questions involved information I do not have -- either because it involves someone I do not know and never knew, or because the information is decades old and I am no longer in communication with that individual. I called and spoke with two supervisors, and they could not address the problem with the data in the system. I asked to speak to a manager and they refused to transfer me. One of them ( XXXX ) hung up on me as I was speaking. Both told me another supervisor would call me within 2 days. It has been 4 days and no one has called me back. To verify my identity, I've attached a copy of my passport data page. The best phone number for call-back is XXXX. I can be reached by e-mail at XXXX. Please copy my wife at XXXX on any correspondence since I don't often check my email. I give my permission to speak with her as well regarding this complaint.

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
On XX/XX/year> a {$3000.00} payment was made on the auto loan and another payment of {$1600.00} was paid on XX/XX/year>. The funds were released from both financial institutions within XXXX hours. I have called numerous times requesting for the title to be released as I have the car sold. This financial institution also charged me interest up from for the full time of the loan period even though the car was paid for before the set time. Also, they continued to charge additional interest on the car until the final payment was made. The dealer that sold the car knew of my plans to pay the car off prior to the full term of the loan and no one indicated to me that there was no early payoff that the interest was charged at the beginning and that there would be no interest taken off when the car loan was paid off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I received a text message on XX/XX/XXXX alerting me that my credit card was charged {$1700.00} XXXX Dollars on XX/XX/XXXX while on holiday vacation in XXXX XXXX. I immediately called the number on the back of the card and reported this unauthorized charge. I was told on a recorded line that I could continue to use my card and make a formal dispute when I returned to my home in XXXX, Arizona XXXX. On XX/XX/XXXX I received a letter from Barclays that the investigation determined that the charge was a valid charge and I was responsible for the payment. The provisional credit was reversed and the charge in now on my card as of XX/XX/XXXX. They mentioned that since chip technology was used and can not be counterfeited the charge is valid. My dispute with Barclays is that it was a possible that fraudulent use of my card was made at the restaurant I had dinner since the card was provided for payment and paid with MXN paseos. The card was out of my possession when the waitress left with my card to make the transaction, and my card was returned to me. The restaurant was contacted, and they have no record of this fraudulent charge and I have misplaced my receipt. Barclays refused to credit my account. New card and number change has been sent to me.

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 your payment plan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Urgent FERPA Violation Dispute Unauthorized Access & Deletion of Student Loan Data Dear CFPB, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX XXXX FERPA : Did Doge 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 currently on an IDR plan, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. I am also concerned that my IDR plan will be eliminated and I will be unable to afford my payments. 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. 

Please contact me at XXXX with updates. I trust that you will handle this matter with the urgency it demands.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the recent lawsuit filed against the major credit bureaus ( Equifax ). I have been following this case and I am deeply concerned about its impact on consumers like myself, who have been affected by inaccuracies and unfair practices in credit reporting. Over the years, I have encountered several issues with the credit reporting process, including but not limited to incorrect information appearing on my credit report, delays in addressing disputes, and the lack of transparency and accountability from these credit bureaus. Despite multiple attempts to resolve these issues directly with the bureaus, I have experienced little to no satisfaction or improvement. The lawsuit, which claims the credit bureaus have engaged in negligent behavior and failed to properly handle disputes or provide consumers with adequate protection, resonates with my personal experience. It is deeply troubling to see these companies, who hold such significant power over people 's financial lives, engage in practices that harm consumers by maintaining inaccurate or incomplete data. My concerns include the following : Failure to Correct Errors : Despite submitting disputes regarding inaccurate information on my credit report, I have not seen timely corrections or adequate explanations from the credit bureaus. Lack of Transparency : The credit bureaus provide limited clarity on how they handle disputes or the process they follow when investigating errors, leaving consumers in the dark. Inadequate Customer Service : My efforts to reach out to the credit bureaus for assistance have often resulted in long delays, unanswered calls, or responses that do not resolve my concerns. Impact on Creditworthiness : The inaccuracies in my credit report have negatively impacted my credit score, limiting my access to financial products and services at fair terms. I urge the Consumer Financial Protection Bureau to continue to investigate these practices and take appropriate action against the credit bureaus to ensure they are held accountable for their actions and that consumers ' rights are protected. It is crucial that the credit reporting system becomes more transparent, efficient, and consumer-friendly, allowing for timely corrections and clear communication throughout the dispute process. I would appreciate any updates on the progress of this lawsuit and any actions that may be taken to address these ongoing concerns. Thank you for your attention to this matter. I look forward to your response. Specifically the accounts below XXXX XXXX {$700.00} {$2100.00} XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$6700.00}

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: Experian Information Solutions Inc.
State: FL

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

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

Company 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: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint regarding a serious violation of my privacy and financial rights involving the unauthorized access of my personal and financial data. It has come to my attention that XXXX XXXX has accessed my private information through the Department of Education, which constitutes a direct violation of my privacy rights, financial security, and federal protections under the Family Educational Rights and Privacy Act ( FERPA ).

As a borrower with financial records maintained by the Department of Education, my personal informationincluding, but not limited to, student loan data, financial aid details, and other sensitive recordsis protected under FERPA, which strictly limits access to such data without explicit consent. This unauthorized access not only breaches my right to privacy but also raises significant concerns about the security and handling of sensitive financial data by government agencies and external entities.

I believe this constitutes a violation of FERPA and other federal privacy laws, as my consent was neither requested nor provided for this access. The Department of Education is legally required to safeguard my information, and any unauthorized release or access is a direct breach of these protections. Given the gravity of this situation, I am requesting the following actions be taken immediately : 1. A full investigation into how and why my data was accessed, including a disclosure of the exact nature of the information that was obtained.

2. Accountability for all parties involved, including XXXX XXXX and any entities that facilitated or permitted this access. 
3. Immediate corrective measures to ensure this breach does not happen again, including a review of current data security protocols and transparency regarding who can access federally protected financial records.

4. Confirmation of compliance with FERPA and all applicable federal privacy regulations, including assurances that my data remains secure and that any unauthorized access has been revoked. 

This violation has caused me significant distress, as I am now deeply concerned about the security of my financial records and personal privacy. I expect a prompt and thorough response regarding this matter, including details on what actions will be taken to address this situation. If this issue is not resolved satisfactorily, I will consider pursuing further legal action to protect my rights. 

Please confirm receipt of this complaint and provide a timeline for investigation and resolution. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

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 fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I'm filing a complaint due to XXXX XXXX violating my privacy and accessing my information from the Department of Education. This is a clear violation of my contract and my data sovereignty and a clear violation of FERPA. I did not authorize outside entities, organizations, individuals, or others to access my information and my data. According to my signed contract, this information is only supposed to be held and viewed by members of the Department of Education, and as of now, XXXX XXXX and his company are NOT staff members of the Department of Education or any other governmental department/official.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I want reported accounts removed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am writing to formally file a complaint against Jefferson Capital Systems, located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX, regarding the fraudulent reporting of a collection account on my credit report. Despite my efforts to resolve this matter directly with the company, the issue remains unresolved. Details of the Complaint : Creditor : Jefferson Capital Systems Original Creditor : XXXXXXXX XXXX  Account Number : XXXX Balance : {$570.00} Date Opened : XX/XX/year> I, XXXX XXXX XXXX deny that the above-mentioned debt is my debt. I have been a victim of identity theft, and this fraudulent collection account is a direct result of that crime. I have no knowledge of this debt and have no contractual agreement with either Jefferson Capital Systems or XXXXXXXX XXXX I submitted a formal affidavit disputing this debt, which was sent via certified mail to Jefferson Capital Systems, requesting immediate removal of this account from my credit reports. In addition to my affidavit, I provided the following documentation to support my claim : An FTC Identity Theft Report confirming my case. Despite receiving these official documents, Jefferson Capital Systems has refused to honor my claim, failed to conduct a proper investigation, and continues to report this fraudulent account on my credit report, negatively affecting my credit. Furthermore, I have verified with the Illinois Department of Financial and Professional Regulation ( IDFPR ) that Jefferson Capital Systems does NOT hold a valid debt collection license in the State of Illinois.

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: Experian Information Solutions 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 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: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am writing to formally report a serious concern regarding the security of my private and student loan data. It has come to my attention that this sensitive information has been compromised due to unauthorized access by XXXX XXXX and XXXX  into the Department of Education databases. 

This breach poses significant risks not only to my financial information but also to the integrity of the educational financing system as a whole. Given the nature of this violation, I believe it is imperative that immediate action be taken to investigate this matter thoroughly and to implement necessary safeguards to protect my data and that of other affected individuals. 

I kindly request that you acknowledge receipt of this letter and provide me with updates regarding any planned actions or investigations in response to this breach. Furthermore, I would appreciate any guidance you can offer regarding steps I should take to protect my information moving forward. 

Thank you for your attention to this urgent issue. I look forward to your prompt response.

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

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply

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

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply

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: GA

Complaint narrative:
I am writing to file a dispute regarding a creditor and credit reporting agencies that have broken consumer laws by reporting numerous inaccurate accounts on my consumer report. I am seeking your assistance in holding these companies accountable for their actions and correcting the inaccurate information on my consumer report. The inquiries I am referring to, for which I did not give written permission, are as follows : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  via XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

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: GA

Complaint narrative:
I am writing to file a dispute regarding a creditor and credit reporting agencies that have broken consumer laws by reporting numerous inaccurate accounts on my consumer report. I am seeking your assistance in holding these companies accountable for their actions and correcting the inaccurate information on my consumer report. The inquiries I am referring to, for which I did not give written permission, are as follows : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  via XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Manhattan Beach Venture, LLC
State: MI

Complaint narrative:
I believe that the entire student loan system has been corrupted, even before DOGE and XXXX XXXX gained access to my information. The original case brought to the Supreme Court to block student loan forgiveness was from the state of Missouri, along with XXXX, which is a direct conflict of interest. My wife has XXXX and they are extremely shady. They double charged us, then claimed we missed the window to get those payments back. Their website shows no info. And for the longest time, we would have to call every 60 days to keep her in forbearance, while they processed her SAVE application ( which has still not been processed almost a year later ). I applied for forgiveness through the XXXX website almost XXXX years ago, under the XXXX XXXX XXXX, and have yet to hear anything. I have a XXXX XXXX from XXXX XXXX XXXX that did not pay off at all and I would return if I could. I did everything I was supposed as a XXXX XXXX who grew up in a XXXX XXXX  and I still got XXXX in the end. I have no faith in the student loan system anymore, and now I have even less faith with XXXX XXXX and DOGE illegally accessing my data. How do they expect to get rid of the Department of Education and still have us pay our loans back? Who will enforce it? This whole thing is a blatant scam.

Company response to consumer: Untimely response