vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: KS

Complaint narrative:
My student loan information was provided to XXXX, downloaded illegally, and accessed by XXXXXXXX XXXX XXXX XXXX  hold no government clearance to need access to my data, and the same goes for XXXX. This is a violation of the contract between me and the government concerning my student loans, and needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: AR

Complaint narrative:
XXXX XXXX and DOGE, that do not have clearance to view my personal data, especially my student loan data, has accessed my data and broken the contract which is to result in my XXXX student loans being eligible to be forgiven. This isnt about I dont want to pay back my student loans, this is about XXXX XXXX and DOGE having done something extremely illegal which is access my personal data without my consent and without government clearance and has broken the contract of my XXXX loans. The law is the law no matter what they say. My personal data has been compromised and the contract should now be nullified. 

Thank you

Company response to consumer: Untimely response
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I owed Portfolio Recovery Associates LLC {$190.00} from a credit card debt from XXXX XXXX. I called them and set up a one time payment in full to have this account removed from my credit report. The agreed amount was {$130.00} which was paid in full on XX/XX/XXXX. I was told that once paid they would remove it from all XXXX credit bureaus. I looked at my credit report to find that it is still reporting in the amount of XXXX XXXX which is the difference between the full amount and the agreed amount to pay in full. On my credit report it states, consumer disputed after resolution, and I did dispute prior to communicating with them about a paid in full deal to remove. So basically I disputed, and I got nowhere, so I called them to get an amount I can pay to have this removed. They gave me an amount XXXX and I paid it in full, and a dispute prior to the deal mustve went through and they went back on their word and reported that I still owe XXXX XXXX This behavior and business practice is completely unfair and outright wrong and should not be allowed under any circumstances. I made the payment in good faith that this would be removed from my credit report. This was a one time payment in full to bring the balance to XXXX $ and it is still showing a XXXX $ balance. That is not accurate and that alone should have it removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: CA

Complaint narrative:
I am submitting a complaint because XXXX XXXX, XXXX XXXX, and the DOGE group have illegally viewed my personal information related to the Department of Education and Federal Student Loans. This violates the contract I signed, as well as my rights, and it should have never happened. I expect this matter to be addressed and to be informed about what steps you are taking. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am writing to formally express my concerns and 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 Government Efficiency ( DOGE ). This incident constitutes a serious violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, undermining my personal privacy and financial security.

Recently, I discovered that my sensitive and legally protected information was accessed and potentially shared without my consent. 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, encompassing my financial aid history and loan information. 
XXXX. 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 control over 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. While FERPA does allow for certain exceptions regarding data sharing under specific conditions, such as compliance with federal legal requirements or responding to health and safety emergencies, none of my personal information was accessed for these permissible purposes by DOGE. 
Additionally, the private information housed in the National Student Loan Data System ( NSLDS ) should only be accessible to individuals whose job responsibilities include tasks such as determining eligibility for Title IV student aid, billing on Title IV loans, or assisting with default aversion activities. It is clear that my information was not accessed for any of these legitimate purposes.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) 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. where Experian has neither corrected not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's 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 2025-03-15 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: IL

Complaint narrative:
i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in therefore exists. ( please remove these accounts before I see litigation for defamation of character ) XXXX XXXX {$3400.00}, XXXX XXXX {$3900.00}, XXXX XXXX {$5400.00}, XXXX XXXX {$290000.00}, XXXX XXXX XXXX XXXX XXXX {$650000.00}, XXXX  balance {$52.00}

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 non-monetary relief
Consumer complaint received 2025-03-15 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: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
My student loan records were illegally accessed without my authorization, compromising my personal and financial information. This breach represents a serious case of loan mismanagement, exposing my data to individuals or entities that had no legal right to access it. Among those involved in this violation are XXXX XXXX and XXXX, who were granted unauthorized access to federal student loans, blatantly disregarding the privacy protections guaranteed by law.

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax and XXXX reporting old closed accounts open in 2015 still open this account over XXXX yrs old this account should be remove from my. Removed from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
My personal and financial information was compromised without my authorization. The family, education rights and privacy act ( FERPA ) protect the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt. XXXX XXXX and XXXX do not have clearance to view my personal data, especially my student loan data, has viewed my student loan data and broken the contract that is to have my student federal loans and then get them forgiven. This is not about I dont want to pay back my student loan. This is about XXXXXXXX XXXX and XXXX have done something extraordinary illegal which is view my personal data without my consent without government permission and clearance and has broken the contract of my student federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase Bank failed to uphold consumer protection laws by wrongfully reversing my chargeback after a merchant breached our contract. The merchant failed to deliver within the agreed timeframe, and I rightfully requested a refund. Chase sided with the merchant despite clear evidence, and its representatives engaged in harassment, bullying, and misconduct, causing me unnecessary stress. 

I am demanding a full refund with interest for the time Chase unlawfully withheld my money, as well as compensation for emotional distress and the mistreatment I suffered. 

Transaction Details : Transaction Date : XX/XX/year> Merchant : XXXX XXXX XXXX XXXX ( XXXX seller ) Amount Charged : {$51.00} Disputed Amount : {$51.00} Agreed Delivery Timeframe : XXXX business days Actual Delivery Date : XX/XX/year> ( beyond agreed timeframe ) Dispute Filed : XX/XX/year> Chargeback Initially Issued : XX/XX/year> Chargeback Reversed by Chase : XX/XX/year> Background of the Issue : Merchant Breach of Contract : The merchant guaranteed delivery within XXXX business days. 
They failed to meet this timeframe. 
Due to this breach, I requested a refund. 
Merchants Misrepresentation & Chases Mishandling : Instead of issuing a refund, the merchant shipped the item AFTER breaching the agreed timeframe. 
The merchant falsely referenced a cancellation in an email, even though I never agreed to cancelthey simply failed to deliver on time. 
I provided clear evidence of the late shipment and my refund request. 
Chases Unlawful Chargeback Reversal : I disputed the charge on XX/XX/year>, based on the merchants failure to deliver as promised. 
Chase initially issued a chargeback on XX/XX/year>. 
On XX/XX/year>, Chase reversed the chargeback, siding with the merchant despite clear evidence of their breach of contract. 
Chases Improper & Unnecessary Demands : Chase representatives wrongfully insisted that I return the item to receive my refund. 
Consumer protection laws do NOT require a return in cases of late delivery. 
The merchant breached the contract, meaning I am entitled to a refund without additional steps. 
Chases demand for a return was an attempt to delay or deny my rightful refund. 
Unprofessional Conduct, Harassment, & Emotional Distress : On XX/XX/year>, and XX/XX/year>, I contacted Chase to dispute their reversal. 
Representatives were unprofessional, dismissive, and engaged in harassment, making me feel bullied and stressed. 
Chase intentionally delayed my rightful refund, forcing me to repeatedly fight for my consumer rights. 
This caused emotional distress, anxiety, and wasted my valuable time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: FL

Complaint narrative:
XXXX XXXX and Doge has viewed my private information about my student loans. They do not have proper clearance and therefore have violated the student loan contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CO

Complaint narrative:
I believe my loan information was wrongfully and illegal view by the department of government efficiency and none government personal, including XXXX XXXX. This is a direct violation of loan agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WY

Complaint narrative:
My personally and financial information was compromised without my authorization by the Department of Government Efficiency. The family education rights and privacy act, ferpa, protects the confidentiality of student records. This breach is a clear violation of ferpa and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information I request that you immediately cancel and discharge my student loan debt. 
You have 5 business days.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting you regarding discrepancies Ive identified in my credit file. Upon review, I would like to formally dispute the following inaccurate or incorrect information. 

XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance {$110.00}

Company response to consumer: Closed with non-monetary relief
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you regarding discrepancies Ive identified in my credit file. Upon review, I would like to formally dispute the following inaccurate or incorrect information. 

XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance {$110.00}

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 non-monetary relief
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$27000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am absolutely furious and deeply disappointed by Chase Banks complete failure to assist me in recovering funds wrongfully withheld by XXXX XXXX. The banks behavior is completely unacceptable. 

In XXXX, I wrote a check to my friend, but due to issues with their account, XXXX XXXX closed it and withheld the funds. XXXX XXXX explicitly told me they would only release the money if Chase Bank submitted a formal claim, specifically a Letter of Indemnity ( LOI ).

I requested Chase Bank to submit two separate claims, both of which were rejected by XXXX XXXX. Recently, XXXX XXXX informed me that they would refund the money if Chase Bank submitted another claim. 

I went to a Chase Bank branch in person and spoke to the branch manager, hoping for help. However, after contacting multiple departments, I was told that Chase Bank would not submit another claim because the previous

two had been rejected. This excuse is absolutely ridiculous! As a customer of Chase Bank, I expect my bank to fight for my best interests, not abandon me when I need them most. For Chase Bank to refuse further act
ion just because two claims were previously rejected is beyond infuriating. Is this how Chase Bank operatesabandoning customers when things get tough? Its outrageous! 

I demand that Chase Bank immediately take action and submit another claim to XXXX XXXX. They must do everything in their power to recover the funds that are rightfully mine. I will not accept being ignored any longer! 

If Chase Bank needs to contact me, please do so via email or text. I will not answer calls from unknown numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: CA

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 XXXX Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) 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 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. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. 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.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within XXXX  days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: OR

Complaint narrative:
The U.S. Department of Education violated my privacy rights under FERPA by granting Elon Musk and the Department of Government Efficiency ( DOGE ) unauthorized access to the federal student loan database, which contains personally identifiable information ( PII ) such as Social Security numbers, marital status, and income data. This access, which I did not consent to, was reported publicly on XX/XX/year>. As a borrower, my private financial data was improperly disclosed, compromising my security and violating federal protections. I am requesting the immediate discharge of my student loans as a remedy for this breach of my rights. I also seek a formal investigation and confirmation of whether my data was accessed.

Company response to consumer: Untimely response