vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MD

Complaint narrative:
My credit report reflects delinquency, however, I am still enrolled in school and not due to make payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I have asked them to remove this debt from my credit report because the apartment complex has already contacted me to inform me that I don't owe anything to National Credit System, but rather to XXXX XXXX XXXX XXXX, with whom I already have a payment plan and have been making payments since XXXX. I have spoken with the company to inform them that I don't owe them anything, but they still haven't removed it. The apartment complex even sent them an email stating that I don't owe them anything and that they shouldn't have this account on my report, but National Credit System refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SECURITY FINANCE CORP
State: CA

Complaint narrative:
Professional Financial Services of South Carolina LLC is charging interest during a period the dealer has publicly described as a conditional delivery period where the transaction was not completed. 
PFS has represented to the CFPB that on XX/XX/year> I executed a Retail Installment Sale Contract through XXXX XXXX XXXX and that PFS was assigned the contract from the dealer, with payments due beginning XX/XX/year>. 
XXXX XXXX XXXX has publicly stated the purchase was conditional delivery and that lender conditions for funding included a valid South Carolina drivers license and proof of insurance, and that the transaction was completed only on XX/XX/year> when those conditions were satisfied. XXXX XXXX XXXX management also texted me on XX/XX/year> stating the bank needed additional materials to complete the deal, the transaction was not complete, and a repossession company was being contacted. 
Despite the dealer stating the transaction was not complete until XX/XX/year>, PFS account records show interest being charged on the account. 
If the transaction was not completed, funded, and assigned until XX/XX/year>, then interest should not accrue before that date. If PFS claims the contract was fully effective and assigned on XX/XX/year>, then that conflicts with the dealer statements that the deal was conditional and not complete until XX/XX/year>. I am requesting CFPB assistance to require PFS to reconcile these positions and correct any improper interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: OH

Complaint narrative:
I had been banking with J.P. Morgan Chase for 20 years. During XXXX XXXX my account kept redlining I had to literally go through my statements started noticing ridiculous amounts of money being added to a XXXX account and being sent out to multiple accts! Once discovered I replaced my card with chase provided every piece of documentation proving not only were they unauthorized but that XXXX  had also confirmed this as well! Contacted XXXX filled every piece of information I possibly could ensuring I OVER explained down to the XXXX XXXX just so all involved parties were on one accord! XXXX  begins to tell me to dispute them with my bank because they were unable to do anything almost everything on their end is automated. When I did finally speak to a human I was told by them word for word that I had provided every piece of proof needed but that their dispute system isnt ran by real ppl and to reach back out to my bank and show them the correspondence between the representative at XXXX  confirming I had basically proven my claim! Only for Chase to then tell me for the next 9 months that my claims were still under review until I wake up one day to a crazy number of notifications from the Chase app only to not be able to log in because they had closed my account but not before sending an email saying that I owed a balance of XXXX and that there was nothing they could do on their end and Id need to pay that balance in full to ( not open my existing account that had 20 years in ) but to possibly apply for a new one?! Between all the time spent fighting and running a hamster wheel that I now feel Chase and XXXX  constructed together and all the money that had been being taken away from me I ended up losing my home feel behind tremendously on other bills and even now am still trying to claw my way out. What made all this worse was the fact that I still get emails being reminded of how much I owe so I decided to call today and try to yet again get some leeway into understanding a rectifying course of action to find out from the representative today that I was ultimately denied Due to ( XXXX responding saying transactions were sent to the correct recipients.??? how can that be when this same company was ( at the time ) Getting sued in a class action for the exact issues I ran to my bank about??! The same company that ( after the first ) initial lawsuit they were sued right back not even 6 months later??! I

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Madison Auto, LLC
State: PA

Complaint narrative:
This company is claiming that I owe a debt, however I have demanded a list of things in order to verify this alleged debt. I demand that this company provides me everything on the attached dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
My Cash App account was compromised by a hacker while the account was locked on XX/XX/year>. During this time, unauthorized withdrawals of {$440.00} and {$300.00} were made without my permission. Additionally, an unauthorized loan of {$460.00} was taken out in my name even though I had no available funds and did not authorize or request this loan. 

These fraudulent transactions occurred while my account was locked, which raises serious concerns about account security and internal safeguards. I did not receive the funds, did not approve these transactions, and should not be held responsible for the balance. 

As a result of this fraud, I am now being required to repay money I do not owe, which has caused financial hardship and emotional XXXX. I am requesting a full investigation, reversal of all unauthorized transactions, removal of the {$460.00} loan balance, and confirmation that I am not liable for these charges. 

I have attempted to resolve this matter directly with Cash App but have not received a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/XXXXXXXX  I tried paying {$800.00} via the Apple XXXX app on my XXXX which normally credits instantly. In this case my payment would not trigger and the XXXX kept taking pictures when I double clicked so I called Apple. I was told to make it via my XXXX that I had with my via the browser which i tried doing. Instead of the {$800.00} payment it incorrectly triggered a {$5300.00} payment which I did not authorize ( the site assumed I wanted to pay the balance and provided no ability to select the payment as it should have ). I immediately contacted Apple to cancel the payment, spending another 20 minutes on the phone and was helped to successfully cancel the incorrect payment and trigger the desired {$800.00} payment being told it would show as available XX/XX/XXXX. Despite four follow-up calls of over 20 minutes each offering to provide proof the payment has fully cleared my XXXX XXXX Account Apple / Goldman Sachs refuses to release the payment which they acknowledged on XX/XX/XXXX had fully cleared and that they had the money and they committed to get back to me by XXXX XXXX EST today. Another two calls and about an hour they refuse to release a cleared payment as available funds and said due to the cancelled payment and their dysfunctional payment system that caused the incorrect amount of payment for roughly 7X the desired payment never asking for the payment amount. 

They need to be penalized financially for dishonest business practices and refusing to release the funds that have fully cleared and been accepted by Goldman Sachs on XX/XX/XXXX. I have spent over 3 hours on the phone with them and chatted in this evening too offering to provide proof of payment for the correct {$800.00} being cleared by their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2026-01-28 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
there is a company named Jeffersons capital thats saying I owe them XXXX something dollars. Im not sure why and Im not able to pay that to them. I dont know where this is coming from. I believe its fraud and Ive been disputing it back to back it still isnt removed but Im not going to pay for something that I didnt owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, my friend asked me to send me money that I would send back to him. I sent all the money back, and then a couple of weeks later, XXXX  flagged the transaction. Instead of him receiving the debt because he possessed all the money, XXXX  gave me the outstanding balance and won't clear my account until it is paid. After I contacted XXXX  about the situation, they said he disputed the transaction through his bank, and I still had to pay the fine. I sent them all the evidence ( which was consistent with my explanation and transactions, and they launched an investigation. When the investigation was concluded, it still showed me as guilty, even though I had given them all the evidence to the contrary. After that, I asked to talk to a supervisor, but XXXX  wouldn't allow it, wouldn't let me settle this debt, and told me " I was out of luck ''. After a few months, still scared by the outstanding balance, I went to the XXXX Police Department to file a complaint. The police were willing to open up an investigation, but couldn't settle the debt on the spot. They filed a police incident report, and wanted to me to try again to " see if XXXX  would budge ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am in need of help! My rights are being violated! 15 U.S. Code 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts that I have referenced are not 100 % accurate! Until you provide competent evidence that validates the debt. Include a signed agreement, full account history, and verification of your authority to collect. You must cease all collection efforts and remove information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
To whom this might concern On XXXX  I purchased a XXXX XXXX XXXX and used Westlake financial .gave my {$20000.00} down payment paid for 8 months continuous whit no issues my total loan was {$76000.00}, on XX/XX/XXXX my bank blocked my account fo use out of the country. Had to go out because of a family death,! When I got back I fixed the issue whit my bank did not realize I was 10 days past the loan day XXXX Westlake. 
I did not receive any attempt to resolve this, Im a business owner and have about 15 credit cards 4 car loans and heavy machinery everything on auto payment this was the only acc that do not go tru because of the block on my XXXX  account. 
Westlake sent a repo company that took my veichle whit all my tools and payment work inside int he middle of the night. I had made a insane amount of attempts to get my veichle back and they have refused every attempt they TRICKED ME into sending them {$2100.00} XXXX XXXX to get the truck back once they received it they denied reinstatement claiming I had to pay the full amount of {$68000.00} I can not pay that amount made offers to pay XXXX to get my veichle back and refuse every attempt it is clear they are in the stealing car business I frustrated whit no truck, no tools and ontop had money stolen from them. They have refused to contact or transfer calls to any upper management! Even when I called to ask how the {$68000.00} pay off would be handled the disconnected the phone multiple times ( 3 ) it is clear they want to keep my veichle and resale it for the same price again and do this scam over and over. Someone has to put a top to this, Im really confuse and tired of making phone calls whit no outcome, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
The auto loan servicer reported two 60-day late payments to the credit bureaus while actively failing to provide payoff or cure information, ignoring a documented XXXX  XXXX requiring written communication, and reporting derogatory information during an unresolved servicing dispute. 
I am submitting this complaint regarding improper loan servicing and credit reporting by my auto lender. 

I have been actively attempting to address my auto loan account in good faith. On XX/XX/XXXX, I received an initial email from a lender representative. There is no record of any prior outreach or attempt to contact me before that date. 

In response, I promptly requestedin writingthe following basic and necessary information : The current payoff amount The current status of the account, including whether it was in collections or under repossession review Clear written instructions for bringing the account current or resolving it in full On XX/XX/XXXX, after receiving no substantive response, I reiterated these requests and again disclosed that I have a XXXX  XXXX that requires written correspondence as a reasonable accommodation. This accommodation request was ignored. I was repeatedly instructed to call the office, despite my documented need for written communication. 

At no point did the lender provide the requested payoff amount, cure instructions, or confirmation of the accounts status. Despite this, less than one week later, the lender reported two 60-day late payments to the credit bureaus, causing a significant and sudden drop in my credit score, more than XXXX points. 

To be clear : I did not refuse payment. 
I did not avoid communication. 
I repeatedly requested the information necessary to cure the default. 
The lender failed to provide that information and failed to honor a reasonable disability accommodation. 
The lender reported derogatory credit information while an active servicing dispute was unresolved. 

While the reported late payments may be technically accurate in isolation, the reporting is misleading and incomplete because it omits the context that the lender obstructed my ability to bring the account current and ignored legally reasonable accommodation requests. 

This conduct raises concerns under the Fair Credit Reporting Act ( FCRA ), particularly regarding the duty to conduct reasonable investigations and to avoid reporting information that is materially misleading, as well as concerns regarding disability accommodation obligations.

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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Subject : Unfair Credit Reporting Following Misleading Payment Confirmation and Lack of Notice On XX/XX/2025, my account autopay executed as scheduled. My transaction history explicitly confirmed the payment with the description " PAYMENT THANK YOU '' ( see attached documentation ). 
On XX/XX/2025, the bank reversed this payment due to an internal processing error. Crucially, the bank failed to notify me of this reversal. I received no email, text, or phone call warning me that the previously confirmed payment had been revoked. Because I had seen the " PAYMENT THANK YOU '' confirmation, I had no reason to suspect an issue until significantly later. 
The bank has implicitly admitted fault regarding this incident by reversing the late fee associated with this error. However, they continue to report the " Late Payment '' to the credit bureaus.

It is an unfair and deceptive practice to provide a consumer with a " Thank You '' confirmation, silently reverse it due to a system error, fail to provide notice of the reversal, and then penalize the consumer 's credit report for the resulting delay. The delinquency was caused by the bank 's misleading confirmation and communication failure, not by consumer negligence.

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 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Momnt Technologies, Inc.
State: UT

Complaint narrative:
In XX/XX/year>, I obtained a point-of-sale installment loan for approximately {$24000.00} through Momnt to finance a home renovation with the merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX The project was represented as a 23 week bathroom renovation. 
The project extended to nearly 7 weeks and remained incomplete. There were multiple defective and incomplete installations, including : a vanity installed improperly, countertop damage during installation, a bathtub that failed a float test and leaked ( we sealed it to prevent further water damage ), and shower/bathroom assembly issues requiring homeowner intervention to prevent damage. Items promised or required but not completed/installed included a vanity faucet ( delivered very late and not installed ), pressure-reducing valve, frost-free hose bibs, and custom shelving for the fireplace.

During the project, I confirmed with the State of Utah that the contractors license had been revoked and that unlicensed subcontractors performed significant plumbing work. I was never informed of the licensing issue at the time the loan was originated or during the project. 
On XX/XX/year>, I terminated the contractor in writing and formally requested a refund. I filed complaints with the Utah Division of Consumer Protection and the Division of Professional Licensing.

Momnt advised that resolution must be handled directly with the merchant. Despite multiple contacts and documentation provided, the merchant refused to issue a refund. I was later informed by Momnt that they were unable to obtain a resolution from the merchant and that the loan would remain active with repayment required.

Since termination, unpaid subcontractors have come to my home stating the merchant has not paid them and has told them I am suing and refusing payment, which is not true. These subcontractors have threatened to place liens on my property, creating additional financial and legal risk despite my payment being made in full through Momnt to the merchant.

I am disputing the loan in full due to unlicensed contracting, incomplete and defective work, subcontractor nonpayment creating lien risk, and lack of meaningful dispute resolution or consumer protection by the lender.

Company response to consumer: Closed with explanation