vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I am submitting a complaint regarding late payment reporting by my federal student loan servicer, Nelnet. My account became past due during the period when federal student loan payments resumed after the pandemic payment pause. I was not aware that repayment had restarted and did not receive clear notice that payments were due again. As a result, my account became delinquent before I realized payments had resumed. Once I became aware that payments were required again, I immediately addressed the account and brought it current. I have every intention of maintaining a positive payment history moving forward. These late payments are now being reported to the credit bureaus and are significantly harming my credit. Given the widespread confusion surrounding the national student loan repayment restart, I respectfully request that Nelnet review this situation and consider removing or correcting the late payment reporting. I have already attempted to address this issue directly with Nelnet and through credit bureau disputes but was told the company does not reverse credit reporting. I am requesting a good faith review and adjustment of the credit reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: eMoneyUSA Holdings, LLC
State: CA

Complaint narrative:
CFPB, am submitting this follow-up complaint because the response previously provided by E-Money USA did not resolve the issues I raised and failed to address my concerns regarding their aggressive collection practices. In their prior response, the company did not meaningfully address the concerns outlined in my original complaint. The response did not provide a workable solution to resolve the matter and appeared to dismiss the issues that were raised. Since the complaint was filed, I have continued to experience aggressive collection efforts related to this account. These collection activities are causing unnecessary stress and are inappropriate given that the matter remains unresolved and under dispute. I am requesting that E-Money USA immediately cease aggressive collection activity while this matter is being reviewed through the complaint process. Consumers should not be subjected to continued pressure or collection attempts while a regulatory complaint remains unresolved. Additionally, I am requesting that the company work with me to establish a reasonable and affordable payment plan so that this matter can be resolved in a fair and responsible manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RMis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RMis a debt collector. They are falsely reporting on my credit!! Account number is XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
My loan was transferred or sold to XXXX XXXX I have continued to ask for the transcripts, not a interpretation of my calls, the actual transcribed or recordings. Carrington mortgage has refused to provide this information, and in their last letter to me on the subject, stated they did not have to provide anything to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am submitting a complaint regarding my PayPal account, which has had recurring transaction blocking issues since approximately 2020, and a recent improper fee. Since 2020, legitimate transactions from my PayPal account have repeatedly been blocked. Each time this occurs, I am required to contact customer support to manually lift the block. Despite multiple calls and assurances that the issue would be permanently resolved, the problem continues to this day. Most recently, while attempting to transfer {$2000.00}, my transaction was blocked multiple times. Because PayPal continued preventing the transfer, I created an invoice as a workaround to move the funds. As a result, PayPal deducted over {$60.00} in fees from the transaction. This fee occurred entirely due to PayPals repeated blocking of legitimate transfers. These ongoing issues have caused significant disruption, preventing me from accessing funds for urgent personal obligations. I am requesting the following : Reimbursement of the $ XXXX fee deducted from my transaction. Permanent resolution to the recurring transaction blocking issue on my account. A clear explanation and confirmation that my account can process legitimate transactions without being blocked. Please note that I have previously filed complaints with the Consumer Financial Protection Bureau and the Federal Trade Commission regarding these issues. I request regulatory assistance to ensure these matters are reviewed and resolved promptly. Thank you for your attention to this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I learned in late XXXX after months of being debilitated from multiple spine surgeries that there had been numerous withdrawals from my bank account that I did not recognize or authorize. There were XXXX transactions totaling {$120000.00} of fraudulent withdraws, which I disputed with TD Bank. Initially there were provisional credits that were later reversed when I received response letters from the XXXX Fraud Department that stated the digital tracing they performed showed consistent with my login history and that these transactions were considered authorized. In speaking with a representative in the TD Fraud Department, I started to learn how the perpetrator ( s ) had made all of this falsified activity look as though it was actually me by mirroring my IP address and other factors that can be traced digitally. Through months of back tracking, I have learned that the initial compromise was through their gaining access to my XXXX account, which also held personal data in my XXXX XXXX including a spreadsheet of passwords as well as pictures of my drivers license and social security card. They then were able to not only access my bank login, but also logins to existing crypto platforms I had been utilizing, as well as establishing new accounts with platforms that were completely foreign to me. They then either utilized existing links between my bank accounts and the crypto platforms, or linked my checking to new platforms. Money was stolen from my TD accounts to be transferred to the multiple crypto platforms, and apparently sent crypto to themselves, which is irreversible. I have provided TD Bank with multiple disputes that have been denied four times with the claim that whatever digital evidence they are seeing, that the transactions were authorized. I don't know how to proceed as ALL of my money has been stolen and I don't know how to prove that I am telling the truth, when they are saying the evidence says otherwise. However, XXXX of the larger transactions of $ XXXX and $ XXXX were refunded already. I am going to initiate another dispute of all the transactions, with all of the reports and complaints I have filed with various agencies and each of the crypto platforms. I would greatly appreciate guidance and/or support from CFPB in rectifying this horrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this formal complaint against American Express for an obstructive and inconsistent Financial Review process. I stated a household income of more than {$200000.00} which is verified by my W-2s. Despite a minimal balance of only {$760.00}, my account was suspended and my XXXX earned rewards points were frozen. To resolve this, I provided W-2s, bank-certified ownership documents, and facilitated a 3-way verification call between Amex and my bank ( XXXX ) on XX/XX/year>, confirming my ownership of an account with {$13000.00} monthly deposits. Although the suspension was eventually lifted, Amex arbitrarily capped my spending at {$6000.00}, which is inconsistent with my proven 'Ability to Pay ' under the CARD Act. I am requesting a manual review by an Executive Specialist to remove this cap and restore my account to its standard 'No Preset Spending Limit ' status based on the financial proof already verified by both my bank and my income documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint regarding improper debt collection and inaccurate credit reporting by XXXX XXXX XXXX and its servicing affiliate XXXX XXXX XXXX concerning an alleged account originally associated with XXXX XXXX XXXX XXXX credit. While reviewing my credit report, I discovered a collection account reported as follows : Account Name : XXXX XXXX XXXX Funding Account Type : Debt Buyer Collection Date Opened : XX/XX/XXXX Balance : {$2100.00} Status : Collection account {$2100.00} past due Balance Updated : XX/XX/XXXX Estimated Reporting Until : XX/XX/XXXX I discovered that this company is attempting to collect and report an alleged debt that I do not owe and that has not been properly validated. I previously disputed this account and requested verification including documentation showing that XXXX XXXX legally owns the debt and has the authority to collect it. I also requested proof demonstrating that I am legally responsible for the alleged balance being reported. Specifically, I requested : Proof of ownership and chain of title from the original creditor to XXXX Funding Documentation showing the alleged account was transferred or sold to XXXX Funding A complete itemized accounting of the balance being reported Documentation verifying that the account belongs to me XXXX Funding failed to provide proper validation of the alleged debt. Despite this, they continue reporting and attempting to collect the account. As a debt buyer, XXXX XXXX must be able to demonstrate that they legally acquired the debt and that the information they are reporting to consumer reporting agencies is accurate and verifiable. The continued reporting of this account without providing proper validation has resulted in inaccurate credit reporting and ongoing financial harm. This account is negatively impacting my credit profile while I am actively working toward obtaining financing. Despite my dispute, the account remains reported without adequate investigation or substantiation. These actions raise serious concerns regarding compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, which require that debt collectors provide accurate information and properly investigate disputed accounts. Because XXXX XXXX has failed to validate the debt and verify the accuracy of the information being reported, I respectfully request the following resolution : 1. Immediate deletion of this collection account from all consumer reporting agencies 2. Immediate cessation of any collection activity related to this account unless proper documentation is provided 3. Written confirmation that the account has been permanently removed Thank you for your attention to this matter.

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 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: OR

Complaint narrative:
I contacted Acima about the end of my lease due to making the final payment today XX/XX/XXXX. I entered into this agreement for electronics in XXXX of XXXX and have made a total of XXXX payments which satisfy the original contract. It is showing all payments made and the contracted amount is paid in full but they are stating I owe XXXX to be able to close the account. I first chatted with their customer support over text in the app and was told that the XXXX is fees. I asked if I could have a ledger to show where the fees came from and was told they are unable to provide that. I called customer support to ask for a ledger and explained what I had been told. I was told by the representative that the fees were added all at once and the total is XXXX. The fees are late fees and associated fees. I do not dispute that I have had some late payments, but I would like a ledger to show the origination before I pay them nearly another lease payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Starting on XX/XX/XXXX of XXXX, I was involved what I learned to be a scam the entire time. I lost {$47000.00} in total. They reached out to me via text, presenting themselves as an employer, because I put my resume on Indeed ; I was looking for a remote job position at the time. Thinking this was a legit job opportunity, I continued to do what I was asked, including investing my own money. By this time, unfortunately, I invested most of what I saved. After seeing red flags, questions not being answered, and only getting certain responses, I reached out to XXXX, the company they were pretending to represent, which is a XXXX company in XXXX. I reached out to XXXX to ask if the people I was dealing with were legit employees, and they confirmed they were not and that it was a scam. They encouraged me to get the local authorities involved, my bank institution, and the credit bureaus. Shortly after, I tried disputing the charges with my bank, Huntington National Bank, and who transferred the funds, XXXX. I launched an investigation with XXXX, they replied a couple hours later saying they're not responsible for the transactions. I tried disputing the charges several times with Huntington, from XXXX of XXXX until XX/XX/XXXX. There's been a constant back and forth of them closing my case ( s ) for reasons that didn't make sense, ending with them not even replying to me anymore. They closed my case ( s ) for reasons that weren't true, and placed all the responsibility on me. They said I didn't submit all my information and evidence, they said that I should reach out to the merchant to get my money back, they said they didn't have the " authority '' to trace and reverse the transactions, and lastly, they said I should get the FBI involved to get the help I needed, with no clear direction. I asked to speak to the higher-ups, I asked to speak to the investigation department, or anybody that could explain why my case ( s ) kept getting closed. I believe the last conversation was in late XXXX XXXX, and I haven't heard from them since. However, they manage to reach out to me about my personal loan that I took out for this " job opportunity, '' and I have to explain my situation every time on why I can't make/afford the monthly payments. If I were to get the all transactions reimbursed, I'd be able to pay the loan off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: DHI Mortgage Company
State: IL

Complaint narrative:
* Transaction : Purchase of a new construction home using the seller 's in-house lender. * Earnest Money Deposit : {$8000.00} held in escrow. * Lender Administrative Failure : Throughout XX/XX/year>, the lender repeatedly issued formal loan documents and email communications containing incorrect property addresses and inaccurate business entity information. Despite multiple written requests for corrections, the lender failed to maintain an accurate loan file or provide a corrected set of disclosures. * Regulatory Violation ( TRID ) : The builder demanded a closing date of XX/XX/year>. However, as of that date, the lender failed to provide a final Closing Disclosure ( CD ), violating the federally mandated 3-day review period. No final " Clear to Close '' or " Loan Denial '' was ever issued. * Communication Breakdown : From XX/XX/XXXX through XX/XX/XXXX, the lender ceased all communication with the borrower, ignoring requests for status updates and clarification on document requirements. * Predatory Default Claim : Following the lenders failure to perform or provide disclosures, the borrower issued a formal notice of dispute on XX/XX/XXXX. On XX/XX/year>, the seller issued a notice of contract termination claiming " Purchaser Default '' to justify the seizure of the {$8000.00} deposit. Issues for Investigation : * Lender Non-PerformancXXXX : The lender failed to provide a loan decision or accurate disclosures, effectively " ghosting '' the borrower during the critical closing window. The lender seemed to have waived a policy insurance requirement, and I believe a FHA requirement, for the borrowers property, in order to proceed with loan processing, and persisted in requesting documentation that does not exist and coached calls for verbal confirmation requests regarding additional rent statement information beyond what is available through bank statements and my renter portal platform. * Coordinated Bad Faith : I believe the lender ( an affiliate of the seller ) intentionally stalled the loan process and provided inaccurate documentation to trigger some contractual deadline, allowing the parent company to further threaten to claim the deposit. * FHA Protections : The companies have ignored the FHA Amendatory Clause which protects the earnest money in the event of a financing failure. Desired Resolution : I am seeking a full refund of the {$8000.00} deposit. I request that the CFPB investigate the coordination between this lender and builder regarding the use of administrative errors and silence to justify buyer defaults.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NE

Complaint narrative:
This has been disputed and XXXX is the only report that has yet to validate or remove. This is not my account no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: AR

Complaint narrative:
My federal student loans were consolidated on XX/XX/XXXX and serviced by EdFinancial Services. During the consolidation transition I believed autopay had been established and did not realize payments were not being drafted. I first became aware of the delinquency on XX/XX/XXXX and immediately brought the account current. The account was processed as current on XX/XX/XXXX. Prior to consolidation, my student loan accounts had always been in perfect standing with no late payments. XXXX had always been set up during this period ensuring that all payments were made on time. This situation was an isolated event during the consolidation transition and not due to financial hardship. I have attempted to resolve this matter directly with EdFinancial by submitting a goodwill request through their website and by sending a certified letter to their XXXX XXXX Department ( delivered XX/XX/XXXX ). I have not received confirmation that the request has been reviewed. I understand that the reported delinquency may reflect the account status at the time. However, I am requesting that EdFinancial review my account history and consider a discretionary goodwill adjustment due to the unique circumstances surrounding the consolidation transition and my otherwise perfect repayment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I've applied for a XXXX XXXX card thru Synchrony Bank on or about XX/XX/year>. This was while finishing an XXXX purchase, a pop-up field appeared with a {$100.00} credit for opening the card. It was issued with unauthorized transactions. I called customer service and they sent another card. When I received that card, again I was contacted if I made small dollar transactions ; I told them no and again, they canceled and reissued a new card. Just got card number XXXX from same bank and again, small, fraudulent transactions were made. I called customer service again and reported the fraud but this time, I asked for the card to be cancelled.

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