vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of the collection account you are reporting on my credit file. The information being reported appears to be inaccurate, incomplete, or unverifiable, and I am requesting that this matter be reviewed carefully. Pursuant to the Fair Credit Reporting Act, you are required to conduct a reasonable reinvestigation to determine whether the information you are reporting is accurate and complete. This includes verifying the account details with proper documentation and confirming that the account is being reported in full compliance with federal law. If you are unable to verify the accuracy of this account during your reinvestigation, the account must be deleted from my credit report. Please provide written confirmition of the results of your investigation, along with XXXX documentation used to verify the account, within the time period allowed by law. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Essential Lending Inc
State: LA

Complaint narrative:
On XX/XX/year> I received a payday in the amount of {$050.00}. This type of loan accumulates interest everyday. So on XX/XX/XXXX, XXXX and XXXX I have tried to contact them, left message, and sent email and no one had responded to try and pay on the loan. This company is quick to take your payment from your account but cant take extra payments to pay down the loan and keep letting the loan accrue all of those interest fees. Its is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX. My date of birth is XXXX XXXX, 1986, and the last XXXX digits of my Social Security Number are XXXX. I am writing to file a complaint regarding incorrect information being reported on my credit report by PROFESSIONAL FINANCI. The account number in question is XXXX, and it is currently being reported with a derogatory status. I have noticed this inaccurate information on all three of my credit reports : XXXX XXXX, and XXXX, where my scores are XXXX, XXXX, and XXXX respectively. Since XXXX XXXX, I have filed multiple disputes regarding this account. Specifically, I filed disputes for incorrect details on XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. Each time, the dispute was submitted through the creditors autoblast system, yet the incorrect information remains uncorrected. This repeated failure to address inaccuracies in my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. The presence of this erroneous derogatory account has significantly affected my credit scores and has hindered my ability to obtain favorable credit terms. The stress and financial hardship caused by this situation have been considerable, as I rely on my creditworthiness for necessary financial transactions and maintaining my current lifestyle. I am requesting the complete removal of this account from all three credit bureausXXXX XXXX and XXXX. This action is necessary to correct the inaccuracies in my credit report and to prevent further unwarranted harm to my financial reputation. I urge PROFESSIONAL FINANCI to take immediate corrective action and to ensure compliance with the FCRA by having the account removed from my credit reports. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I used my personal American Express credit card to purchase domain from XXXX. I intended to purchase a domain priced at approximately {$22.00}. XXXX charge in that amount was processed correctly. However, a XXXX charge of {$15000.00} was processed for a premium domain that was not clearly disclosed at that price. The domain appeared to be priced similarly ( around {$22.00} ), and I did not knowingly agree to a purchase of {$15000.00}. I immediately contacted the merchant and American Express. I requested a full breakdown of the charge and proof that the premium price was clearly presented and accepted prior to the transaction. The information provided was not clear or sufficient. I filed multiple disputes with American Express, all of which were denied, including after escalation to a supervisor. Despite this, I maintain that this charge resulted from misleading pricing and does not reflect an informed or intentional purchase. I have been a responsible customer and have always paid my account on time. I am requesting that American Express reverse the {$15000.00} charge, as it was not a purchase I knowingly authorized at that price.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I contacted National Credit Systems at ( XXXX ) XXXX regarding a collection account. The representative stated on a recorded line that if I paid the full balance, the account would be deleted from my credit report, and that partial payment would only show as paid. Based on this representation, I made the full payment online in XX/XX/year> in good faith. On XX/XX/year>, and again on XX/XX/year>, including a XXXX call at approximately XXXX XXXX, I contacted the same number to confirm the deletion. During that recorded call, I was told the account would not be deleted because I paid online instead of over the phone. This requirement was never disclosed prior to payment. When I explained what I had been told on the recorded line, I was accused of lying and they refused to honor the agreement. I relied on their recorded representation to make payment. This is misleading and deceptive. I am requesting immediate deletion of this account from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NY

Complaint narrative:
I am disputing this debt in full because the amount being reported is inaccurate, inconsistent, and not properly validated. The core issue is that the landlord has never clearly established what my actual monthly rent obligation was. At the time of leasing, I was told the rent was approximately {$2200.00} with utilities included. However, when I later reviewed the propertys advertised pricing, the same unit type was listed at approximately {$1800.00} per month. Additionally, the collection notice reflects an even higher rent amount than what I was originally told. These conflicting figures make it impossible to determine what the correct base rent actually was, and therefore any calculations derived from that XXXX lease termination fees or promotional repaymentare unreliable and disputed. In addition to the inconsistent rent amount, the ledger contains multiple inaccurate and unsupported charges : * Duplicate charges related to lease termination and promotional rent repayment * Utility charges for months that were covered under promotional credits * A {$500.00} charge related to XXXX, a XXXX service that has confirmed this amount is not owed to the landlord * A retroactively applied account setup fee after notice to vacate * Cleaning and damage charges with no receipts or documentation provided despite request I vacated the unit early due to safety concerns and notified the landlord. No reasonable effort was made to resolve the situation or provide accurate accounting. Because the landlord has failed to clearly establish the correct rent amount and has included multiple inconsistent and unsupported charges, I dispute the entire balance. I am requesting : * Full validation of the debt, including proof of the agreed-upon rent amount * A complete and accurate itemization of all charges * Documentation supporting each charge * Removal of this account from my credit report if proper validation can not be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: IL

Complaint narrative:
Company Name : XXXX XXXX Management Issue : Incorrect information on credit report / Failure to honor agreement Complaint : I am filing this complaint against XXXX XXXX XXXX regarding a paid collection account in the amount of {$990.00}. On XX/XX/year>, I made a payment in full based on the understanding and agreement that this account would be deleted from my credit report ( pay-for-delete agreement ). I was also advised that I would receive proof of payment and documentation confirming the deletion. After making the payment, I did not receive any receipt, confirmation of payment, or deletion letter as promised by the end of business day on XX/XX/year>. I contacted XXXX XXXX XXXX and spoke with a representative, XXXX XXXX, who acknowledged that there was a clerical error regarding my account. Despite this, he failed to provide the requested documentation and refused to allow me to speak with a supervisor to resolve the issue. As of today, I still have not received : - Proof of payment - Written confirmation of the deletion agreement - Any documentation showing the account will be removed from my credit report on XXXX XXXX XXXX XXXX This is unacceptable, as I fulfilled my obligation in good faith based on the terms presented to me. Resolution Requested : - Immediate written proof of payment- Immediate written confirmation that the account will be deleted from all credit reporting agencies - Removal of this account from my credit report without delay If this matter is not resolved promptly, I am prepared to pursue further action for failure to honor a binding agreement and for reporting inaccurate or incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$780.00} from a XXXX XXXX ATM using my Chime account. The ATM did not dispense any cash, but the full amount of {$780.00} was still deducted from my account. At the time of the transaction, the machine displayed a message indicating the funds were being held for security reasons. I did not receive the money. Immediately after the incident, I contacted Chime to report the issue. However, I was told that I needed to work directly with XXXX XXXX because they could not resolve the matter. Based on this guidance, I contacted XXXX XXXX and also visited the ATM location in person multiple times. I was then told by XXXX XXXX that I needed to work through my bank ( Chime ) to resolve the issue. Since then, I have continued attempting to resolve this issue with both parties, but I have been given conflicting information and no resolution. I have not received the funds, a permanent credit, or adequate follow-up from either company. It has now been over a month since the incident, and I am still missing {$780.00}. I am requesting a full investigation into this ATM error and the immediate return of my funds. Additionally, I am requesting provisional credit, as the issue has exceeded the standard investigation timeframe under Regulation E. This situation has caused significant inconvenience, and I am seeking prompt resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Company : American Express Issue : Incorrect information on credit report / Improper investigation Complaint : I am filing this complaint against American Express for furnishing inaccurate XXXX contradictory information XXXX consumer reporting agencies XXXX failing XXXX conduct a reasonable investigation under the Fair Credit Reporting Act. American Express responded XXXX my dispute on XX/XX/year>. In their response, they made XXXX materially inconsistent claims regarding the same account : They state the account is cancelled XXXX reported as such XXXX the credit bureaus In a separate communication, they report the same account as a Satisfactory Account with a listed balance XXXX reporting details These statements are mutually exclusive XXXX can not XXXX be accurate. This demonstrates that American Express is furnishing inconsistent and misleading information XXXX the credit bureaus. Additionally, instead of addressing the substance of my dispute, American Express attempted XXXX deflect by claiming an address mismatch. This is not a valid reason XXXX avoid their obligation XXXX investigate the accuracy of the account data they are furnishing. They have also confirmed that the account continues XXXX be reported while marked in dispute, despite the unresolved inconsistencies. This conduct violates : FCRA XXXX ( a ) ( XXXX ) ( A ) Duty XXXX provide accurate information FCRA XXXX ( b ) Duty XXXX conduct a reasonable investigation I am requesting that the CFPB require American Express XXXX : Correct or delete the inaccurate reporting Provide a complete method of verification Provide the full reporting history XXXX date of XXXX delinquency Explain the contradictory account status reporting I have attached copies of their written responses demonstrating the inconsistency. This matter is being documented for potential further legal action. Desired Resolution : XXXX correction or deletion of the account Written confirmation of corrections sent XXXX all credit bureaus Full validation documentation as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am filing this complaint against Venmo for failing to properly investigate and resolve an unauthorized electronic fund transfer in violation of the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005 ). few unauthorized transaction in the amount total {$430.00} was charged to my Venmo debit card by a merchant listed as facebk. This transaction occurred shortly after I unknowingly entered my debit card information ( card number, expiration date, CVV, and billing address ) into a fraudulent online loan website. The website disappeared immediately after collecting my information, indicating a phishing/fraud scheme. Unauthorized transaction datils {$22.00}, {$4.00}, {$3.00}, {$10.00}, {$5.00}, {$100000.00}, {$140.00}, {$10.00}, {$10.00}, {$100.00} And {$94.00} dollars I affirm the following : I did NOT authorize this transaction. I do NOT have any account or relationship with facebk. I do NOT use any services associated with this merchant. This transaction is a clear case of unauthorized card-not-present fraud using stolen debit card credentials. One thing I didn't understand was how they figured out my account balance. I humbly request you if you can return these transactions to me, I will be grateful for the rest of my life and I will tell everyone to use your service. Few days ago I promptly notified Venmo and filed a dispute. Although Venmo initiated an investigation, my claim was denied without providing sufficient evidence or documentation demonstrating that the transaction was authorized. Under Regulation E, financial institutions are required to conduct a reasonable investigation and must provide supporting documentation when determining that a disputed transaction is authorized. Venmo has failed to provide any of the following : Evidence of cardholder authorization XXXX XXXX ( authentication ) records, if applicable XXXX and CVV verification results IP address, device ID, or geolocation data associated with the transaction Venmos failure to provide this information raises serious concerns regarding the adequacy and legality of their investigation process. Requested Resolution : I respectfully request that the CFPB require Venmo to : Conduct a full and compliant reinvestigation under Regulation E Provide written documentation explaining how the transaction was determined to be authorized Issue a full refund of unauthorized charge Account Information : Compromised XXXX Mail : XXXX Namber XXXX Additional Statement : I have never used or authorized any transaction with facebk, and I do not maintain any account with this merchant. Please refund my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am submitting a formal complaint regarding PNC Banks continued hold on my funds and lack of transparency in resolving this matter. On XX/XX/ 2026, I deposited a check in the amount of {$30000.00} into my PNC Bank account. Initially, the bank placed a XXXX hold on the funds, which was later extended to a XXXX hold. I complied with these timelines and expected my funds to be released accordingly. However, the situation has escalated without proper explanation. The issuer of the check has confirmed to me that PNC Bank has already received and collected the funds approximately XXXX week ago. The issuer also stated that the funds have cleared and can not be returned. Despite this, PNC Bank has refused to release my money. On XX/XX/ 2026, I contacted PNC Bank again and was informed that my account is now under review. No clear reason has been provided for this review, nor have I been given a timeline for when my funds will be made available. This has left me without access to a significant amount of my own money. I believe PNC Banks actions may violate my rights under the Expedited Funds Availability Act ( EFAA ) and Regulation XX/XX/XXXX, which generally require banks to make deposited funds available within specific timeframes, even for larger deposits, unless there is a legitimate and clearly disclosed reason for extended delay. While banks may place temporary holds under certain circumstances, they are required to provide proper notice, valid justification, and timely access once funds have been collected. At this point, the funds have already been received by PNC Bank, and there appears to be no lawful basis for continued restriction without clear explanation. Additionally, withholding funds after they have been collected, without transparency or defined resolution, may constitute an unfair banking practice. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in resolving the issue. Specifically, I am seeking : Immediate release of my funds A clear written explanation from PNC Bank regarding the reason for the hold and account review Confirmation that my rights under federal banking regulations are being upheld I have documentation available, including proof of deposit, communication with the check issuer confirming payment, and records of my interactions with PNC Bank. This situation has caused significant financial hardship and uncertainty, and I would appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
I purchased a car at XXXX in XXXX XXXX, NV on XX/XX/year> for the purchase price of {$15000.00}. My payments were set up in the amount of {$460.00} for 72 months. I had the property for a period of 3 months before the transmission and other things started happening. I called the customer service line numerous times explaining the situation. I ended up having to fix those very expensive problems myself. Things kept happening in regards to the working of the car for the XXXX years that I had it. I called Exeter to explain the situation and was offered some " extensions '' that I know now only went to the interest results in principle never being paid even a little in 2 years and with a down payment of {$1200.00} initially. Well after all the expensive charges for keeping the car running, I fell behind in payments and could no longer afford payments and the expensive upkeep of the car to keep it functional. The car was sold to me well above its worth at the time for a horrible interest rate of 27 % ( predatory ). Then I was never told that the excessive extensions that I was offered, was not going towards the principle at all and resulted in the loan not being paid at all. Now they have repossessed the car about 9 months ago, sold it at auction and have continued to harrass me and put the amount of {$16000.00} as debt owed to them. This is very predatory and when I asked for records of the auction sale ( they never sent this to me originally ), transaction records, and other documents they will not send them to me. I have called a number of times requesting to disclose how I owe this amount after 2 years of payments, a down payment, and the car being sold. I have tried to get into my online account to get the information but, I have been locked out of my account and can not get any of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: AR

Complaint narrative:
The complaint is about Mr. Cooper. Under the rocket mortgage, XXXX and XXXX XXXX XXXX umbrella We are selling our home and the buyers are assuming the VA loan. We have sent the requested documents at least 12 times and have been told for XXXX weeks that it takes 2-4 weeks to have a loan officer assigned and they had everything they needed on their end. The XXXX weeks was up on XX/XX/XXXX. We called on XX/XX/XXXX only to be told they didnt have all of the requested information and the case was closed out. This has been going on since the end of XXXX. The assumers have called over XXXX times on this and weve called at least XXXX. We also had trouble with them when trying to purchase a new house in a different state in XXXX of 2025. They gave us a closing date and when we were on our way to the appointment told us we couldnt close and it would be another week and a lot more money than what we were originally told. We went with a different company who had us closed in XXXX days for less money.

Company response to consumer: Closed with explanation