vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Client : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Product : Federal Student Loan Company : U.S. Department of Education / Default Resolution Group ( and any listed servicer furnishing data ) ________________________________________ CFPB FORM SELECTIONS Product : Student loan Issue : Incorrect information on credit report Sub-issue : Information reported is inaccurate or can not be verified Desired Resolution : Correction or deletion of credit reporting ________________________________________ COMPLAINT NARRATIVE ( USE EXACTLY ) I am submitting this complaint regarding the continued furnishing of inaccurate and unverifiable credit reporting information related to a federal student loan attributed to me and reported by the U.S. Department of Education and/or its agents, including the Default Resolution Group and associated servicers . 
This student loan is being reported in default status on my consumer credit reports. However, neither the credit reporting agencies nor the furnisher have been able to provide the documentation required under the Fair Credit Reporting Act ( FCRA ) to lawfully verify this tradeline. 
Specifically, the reporting entities have failed to produce : A copy of the original signed Master Promissory Note Documentation establishing the accurate Date of First Delinquency ( DOFD ) Proof of the furnishers authority to report this account A complete and accurate payment history supporting the reported default status The only documentation provided consists of administrative billing invoices and collection notices. These documents do not constitute verification under FCRA 609 or 611 and are insufficient to substantiate the accuracy of credit reporting.

Despite formal disputes submitted to the credit reporting agencies, the tradeline has been verified without disclosure of the method of verification or the underlying source documents relied upon. Verification based on administrative notices alone violates the furnishers duties under FCRA 623 and the credit reporting agencies obligations under FCRA 607 ( b ) and 611 ( a ). 
Continued reporting of this student loan without lawful verification is causing ongoing harm to my credit profile and constitutes noncompliance with federal consumer protection law.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am on disability, Social Security judgment proof this company is very unprofessional. There is six accounts in collection on my credit account, which should not be there. I have disputed them numerous times. I will be sending the Attorney Generals office a very detailed letter about what is going on because they will not remove them off of my credit report, disability, Social Security judgment proof.

Cease and desist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UPGRADE, INC.
State: NC

Complaint narrative:
My account with upgrade inc account number XXXX has been suspended since XX/XX/XXXX, with no valid explanation, no resolution, and no timeline provided. Since that date, I have been completely unable to access my own funds. 
I have contacted customer support multiple times seeking help, clarification, or progress. Each time, I receive the same automated response stating that my case has been escalated and is being treated as a priority. These responses do not address my situation, provide no meaningful information, and have resulted in no action. Despite weeks passing, nothing has changed. 
The continued suspension of my account has caused significant hardship. I have bills to pay, work-related obligations, and basic living expenses that require access to my money. Being denied access to my funds for this long has caused serious stress, anxiety, and financial disruption. I have been placed in an impossible position while being repeatedly asked to be patient, with no accountability or transparency from the company.

I have fully cooperated and complied with all requests. However, holding a customers money for weeks without a clear reason, meaningful communication, or resolution is unacceptable. The lack of support, repeated automated messages, and refusal to provide a reasonable update have made this situation unbearable.

I am filing this complaint because I need immediate intervention, access to my funds, and a clear explanation for why my account has been suspended for this length of time. This issue has gone on far too long and has caused me substantial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I provided collateral/security to One Main Financial in connection with an application to extend credit on behalf of the principal XXXX XXXX XXXX XXXX One Main Financial received and retained my collateral but failed to extend any credit, funds, interest, or title in exchange for that collateral. 
Despite receipt of my security, One Main Financial has not performed under the agreement or provided any consideration. They have retained my collateral and benefited financially from it while providing nothing in return. 
I have made requests for clarification, performance, and/or return of my collateral, but the matter has not been resolved. The dates of request are XX/XX/year>, XXXX and XX/XX/year>. 
This constitutes a failure of consideration, breach of agreement, and unjust enrichment. One Main Financial is improperly retaining my security without extending credit or returning the collateral. 
I am filing this complaint in an effort to exhaust administrative remedies before pursuing formal legal action. 
I am requesting that One Main Financial : Provide written explanation of why credit was not extended after receipt of collateral Return my collateral immediately, and Provide an accounting of any use or benefit derived from my security If unresolved, I intend to pursue court remedies for unjust enrichment and related claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XX/XX/year> Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To Whom It May Concern, I am writing in response to your communication regarding a {$1100.00} debt.

This letter is a request for validation made pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute the validity of this debt and request that you provide proper verification.

Please provide the following : 1. The amount of the debt, including an itemization of interest, fees, or other charges.

2. The name and address of the original creditor.

3. Copies of any documents bearing my signature that show I agreed to assume this debt.

4. Proof that you are licensed and authorized to collect this debt in my state.

5. Proof that the debt is within the applicable statute of limitations.

During the validation period, you must cease all collection activity, including reporting or verifying this account to any credit reporting agency.

This request is not a refusal to pay, but a request for verification. Please respond in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App closed my business account for nothing and not explaining why its closed took taxes everytime it was used or someone sending to me not only that I complained said Im on identity theft and I need all my money back from my Cash App account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I am disputing a personal loan with Lendmark Financial Services, LLC. Prior to Lendmark filing a lawsuit against me in XXXX XXXX XXXX XXXX ( Case No. XXXX ), I contacted Lendmark by telephone and requested my principal balance. Lendmarks representatives refused to disclose the principal balance. 

After filing suit, Lendmark claimed a principal amount and total balance that appear to include insurance or add-on products that I did not knowingly authorize. These insurance products were bundled into the loan without clear, separate disclosure or my affirmative consent. 

I was never provided a clear, itemized accounting separating actual loan proceeds from interest, fees, and any insurance products. I believe these actions constitute unfair or deceptive practices and may violate the Truth in Lending Act ( TILA ), including failure to clearly disclose finance charges and optional insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: KY

Complaint narrative:
I am filing a complaint regarding Robinhoods handling of my brokerage account following deactivation and liquidation.

Robinhood closed my account and liquidated all positions. The account now reflects {$30000.00} held entirely in cash, with no securities or crypto remaining. Despite this, Robinhood has delayed transferring the remaining funds to my linked bank account.

I have contacted Robinhood multiple times requesting release of the funds and a clear timeline. No meaningful explanation has been provided, and the delay continues despite there being no regulatory, trading, or operational reason to withhold cash after liquidation.

I believe this constitutes improper handling of customer funds and failure to process timely disbursement following account closure.

Relevant details : Firm : Robinhood Financial LLC Account number : XXXX Cash balance held : {$30000.00} Account status : Closed / Deactivated No open positions I am requesting FINRA review Robinhoods delay in releasing my funds and require the firm to process the transfer promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd
State: MN

Complaint narrative:
Wise unexpectedly closed my account in XX/XX/year>, citing an alleged duplicate account, which I dispute. I was not given prior notice or a clear explanation. As a result, I was forced to transfer my entire balance of XXXX XXXX  under pressure. 
I had previously locked in an exchange rate of XXXX USD = XXXX  MXN, but due to the forced closure I was required to convert at a worse rate ( XXXX ), resulting in financial loss. I was also charged a transfer fee of XXXX MXN, which I would not have incurred under normal circumstances. 
I requested an explanation for the account closure, justification for the exchange rate applied, and a refund or review of the forced fees. Wise acknowledged my case but did not provide the requested information. My account closure prevents me from logging in to access support, and Wise routed communications to a no-reply email address, leaving no effective way to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Klarna AB
State: AR

Complaint narrative:
Klarnas system is preventing me from accessing my account or making a payment. I have repeatedly attempted to update my phone number and verify my identity, but their verification codes never arrive. I have contacted multiple Klarna agents, received conflicting instructions, and none of the solutions they provided have worked.

I no longer have access to the phone number on my Klarna account. Klarnas system requires verification codes to be sent to that old number or to an email address, but the codes never arrive. I created a new email address specifically to receive the verification code, but Klarnas system still does not send it. I have tried multiple networks, devices, and email providers.

I have phone logs showing repeated attempts to contact Klarna support. Each agent gave different instructions, and none of them resolved the issue. Klarna has not offered manual identity verification or any alternative method to update my phone number, even though I have clearly explained that I can not receive verification codes.

Because of this system failure, I am unable to access my account or make a payment. I am acting in good faith and attempting to resolve the issue, but Klarnas verification system is blocking me from doing so.

Requested Resolution : I am requesting that Klarna : Provide manual identity verification so I can regain access to my account.

Update my phone number manually.

Ensure no negative credit reporting or late fees occur due to their system preventing me from paying. 
XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
Loan was taken out XX/XX/year>. I do not pay the loan back but the information such as the date on the loan is incorrect. It has been re opened for a new & incorrect date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
This debt is not mine. at all. XXXX is suppose to deal with this A YEAR AGO and i dont know why they are struggling to pay it. Ive sent them every medical reminder sent to me. This medical bill was issued to me when I was involved in a car accident XX/XX/XXXX. XXXX told me they would pay and we settled. I even have the document I signed stating we settled and they would pay. This debt belongs to XXXX so please send this to them I do not want this affecting my credit for their mistake. contact them Ph : ( XXXX ) XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LD Holdings Group, LLC
State: AA

Complaint narrative:
I am a documented prior borrower and owner of the subject property. My name appears in recorded mortgage instruments, including a XXXX Release of Deed. Despite this, the company proceeded with mortgage closings in XX/XX/year> and XX/XX/year> excluding me, without my consent, authorization, or any lawful explanation. I was removed from borrower recognition and servicing records even though my recorded interest had not been extinguished. The company now claims it does not recognize me as a customer, which is itself the core issue. I am seeking a required explanation, correction of records, and accountability for how these transactions were closed without lawful borrower authority. Attached documents establish my borrower status, unauthorized exclusion, and resulting title defect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of a documented fraud claim involving an impersonation scam. 

On XX/XX/XXXX, I was induced to purchase gift cards after receiving communications that impersonated my employer. The scammer demonstrated insider knowledge of company operations and provided falsified reimbursement receipts, causing me to reasonably believe the request was legitimate and work-related. 

Acting in good faith, I completed the purchases. I realized shortly afterward that the communications were fraudulent and reported the incident immediately to Bank of America, the gift card issuer, the Federal Trade Commission, and the XXXX. 

Bank of America denied my credit card fraud claim on the basis that the transactions were authorized and has stated that the decision can not be appealed. Authorization was invalid as it was obtained through fraudulent impersonation and material misrepresentation. 

This was not a case of buyers remorse or a dispute over returnability. It was a scam-induced transaction involving identity impersonation and fraud, supported by police and FTC reports and extensive documentation.

I am requesting regulatory review of Bank of Americas decision and a reconsideration of my claim under fraud and scam-induced transaction standards.

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 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
Fraudulent wire instructions were provided to me as a result of an intercepted email during a legitimate business transaction. I was attempting to wire funds from my business, an RV dealership, to XXXX XXXX, an RV manufacturer. A scammer intercepted the email communication and supplied altered wire instructions with Fifth Third Bank, which appeared legitimate at the time. ( To clarify, I do NOT have an account with Fifth Third Bank- the person who stole my money does ). 

As a result, on XX/XX/year>, a wire transfer in the amount of {$120000.00} was sent to a bank account that did not belong to XXXX XXXX. The recipient account is held at Fifth Third Bank. Once the fraud was discovered, we immediately began attempting to recover the funds and notified the appropriate parties, including law enforcement. 

Since that time, we have been actively pursuing recovery of the stolen funds. Despite being subpoenaed by my local law enforcement agency, Fifth Third Bank has provided little to no assistance. We were eventually able to obtain a bank transaction history from Fifth Third Bank, which clearly shows my wire being received into the fraudulent account, followed by multiple rapid transfers, withdrawals, and checks written within days of the funds being deposited.

The transaction history attached contains numerous red flags that should have immediately prompted Fifth Third Bank to file a Suspicious Activity Report ( SAR ). Including other large wire transfers from another company, XXXX XXXX ( where it appears they may have been able to recover their funds ). However, based on the information available, it appears that no SAR was filed, as the account remains active and Fifth Third Bank continues to refuse meaningful cooperation in this matter.

This fraud has resulted in a significant financial loss to my business, and the lack of timely action and cooperation by Fifth Third Bank has further hindered recovery efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: FL

Complaint narrative:
Company : Nelnet Product : Federal Student Loan Servicing Issue Type : Incorrect balance / Interest accrual / Failure to investigate Complaint Type : Unfair and deceptive acts or practices ( UDAAP ) Complaint Summary I was incarcerated for approximately six ( 6 ) years. During this documented period, Nelnet knowingly allowed interest to accrue and my loan balance to increase, and later refused to correct the account after receiving notice and documentation. This constitutes unfair servicing conduct under CFPB standards.

Detailed Description I was incarcerated for approximately six years and therefore physically unable to manage, service, or meaningfully interact with my student loan account during that time.

Despite this, Nelnet : Allowed interest to accrue automatically throughout my incarceration Permitted balance growth that I could not prevent Retained full control over interest mechanics while I had no practical ability to avoid the harm After my release, I notified Nelnet of my incarceration and requested review and correction. Rather than conducting a meaningful investigation, Nelnet issued a boilerplate denial through its Ombudsman, failed to address the substance of the issue, and refused to correct the improperly accrued interest.

Why This Is Unfair ( UDAAP  ) This conduct meets the CFPBs unfairness standard : Substantial Injury Six years of automatic interest accrual caused significant balance growth and long-term financial harm.

Not Reasonably Avoidable Incarceration eliminated my ability to manage the account. Nelnet controlled interest accrual entirely.

No Countervailing Benefit There is no consumer or market benefit to allowing interest to accrue against an incarcerated borrower who can not act.

Additionally, Nelnets failure to investigate after notice elevates this from error to unfair servicing practice.

Relief Requested I am requesting that Nelnet be required to : Remove and credit all interest accrued during my incarceration Recalculate my account balance with a written itemization Refund or credit any improper charges Provide a written explanation of its review methodology Confirm corrected servicing going forward Supporting Documentation I am prepared to provide : Proof of incarceration dates Account statements showing interest accrual Prior complaints and correspondence Ombudsman denial demonstrating failure to investigate Resolution Requested Correction of account balance and interest, written explanation, and assurance of compliant servicing.

Company response to consumer: Closed with explanation