vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: CO

Complaint narrative:
I received a phone call in XXXX stating that I owed XXXX XXXX XXXX XXXX dollars for an unpaid statement for XXXX months. My account was supposed to be closed on XX/XX/XXXX and the account was paid at that time. XXXXXXXX XXXX XXXX do not close my account and continued to charge me/ a representative called me and stated I should have gotten proof and that its not their problem. A couple days later I received an email from a collection agency.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: PA

Complaint narrative:
I am filing a complaint regarding a purchase financed through Klarna for an order placed with XXXX The order was delivered on XX/XX/XXXX, but it arrived in a compromised condition. Only 1 of 6 items was received, and that item was damaged. The package appeared to have been opened and reassembled, and there was no packing slip included. I reported the issue immediately and provided photographic evidence. At the merchants request, I completed a signed affidavit and fully cooperated with their process. A damage claim was opened with XXXX, and I submitted additional photos on XX/XX/XXXX. XXXX did not perform a physical inspection and later marked the claim as Investigation Complete. Despite this, the merchant refused to issue a refund and relied only on proof of delivery, which does not confirm that the contents were complete or undamaged. I disputed the charge with Klarna ; however, my dispute was incorrectly processed as goods not received instead of partial delivery and damaged goods. The dispute was closed based solely on delivery confirmation. I contacted Klarna again to correct the dispute classification and provided additional details. However, before a proper review could be completed, the remaining balance was sent to a debt collection agency. I dispute this debt as invalid. The goods were not delivered as purchased, and I should not be held responsible for missing and damaged items. I am requesting a full review of this matter, removal of the balance from collections, and correction of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am an eligible borrower under the CFPB v. Navient settlement. My federal student loans originated in the XXXX and passed through multiple predecessor servicers, guaranty agencies, and XXXX Services during collections. My current address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) matches the address used by XXXX Services in XXXX. I contacted XXXX XXXX after the XX/XX/XXXX date provided in the CFPBs guidance. XXXX responded that no record was located and that all eligible consumers have been sent a check. This appears to be based only on the issuedcheck database used by the call center, not the full internal eligibility list that includes XXXX legacy data. Because of the age and complexity of my loan history, I believe my record may not have been included in the initial match and requires a manual review of XXXX legacy data, guaranty agency records, and predecessor servicer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I am trying to cancel my Robinhood credit card and Robinhood XXXX subscription. In order to cancel my Robinhood XXXX subscription, I have to first cancel my Robinhood credit card account first but am experiencing difficulties in cancelling my membership and account for both products. On XX/XX/year> @ XXXX, I received an email from Robinhood Support team confirming my Robinhood credit card account has been closed with a balance of {$290.00}. With this confirmation, I have tried to cancel my Robinhood XXXX subscription through the Robinhood app but I continue to receive errors saying I need to cancel my XXXX Card first before cancelling the XXXX subscription membership. Attached are dated screenshots of me trying to cancel the Robinhood XXXX but am being denied as the app does not recognize my credit card account has been closed. I have tried reaching out to Robinhood support to resolve this issue but am not getting through to a human who can assist with the cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, I entered into a solar panel financing loan through XXXXMosaic in connection with a solar installer ( XXXX ). The amount financed was approximately {$74000.00} at an interest rate of about 8.99 % over a long-term period. At the time of sale, I was led to believe that the system would be affordable and would provide financial benefits by offsetting my electricity costs. However, the loan payments are significantly higher than expected and are not affordable given my financial situation. I am XXXX XXXX XXXX, retired, and living on a fixed income. My ability to repay this loan does not appear to have been properly evaluated at the time of origination. In XX/XX/XXXX, I received a default notice stating that I was behind on payments ( approximately {$2800.00} past due ) and that the total loan balance of approximately {$85000.00} could be accelerated and become immediately due. The notice also indicated that my account may be reported to credit bureaus and subject to further collection activity. On or about XX/XX/XXXX, I submitted a formal written dispute and hardship request to the loan servicer and lender, requesting a review of the loan, documentation, and hardship relief. As of today, I have not received a substantive response. Despite my good faith effort to resolve the matter, I continue to face collection pressure and potential negative credit reporting. I believe this loan may involve unfair or deceptive practices, including misrepresentation of affordability and failure to assess my ability to repay. I am seeking a fair resolution, including review of the loan, suspension of collection activity while under review, and consideration for modification, reduction, or cancellation of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Me and my wife, both senior citizens, aged XXXX and XXXX respectively, have social security as our sole income at this time. We had a business that we were forced to sell at a major loss shortly after the Hurricane Helene natural disaster that occurred in XXXX of XXXX. This hurricane also destroyed our primary residence and it is to this day uninhabitable. Our original mortgage company, XXXX XXXX, offered a forbearance with payments deferred to the end of the loan, however, when the mortgage was sold to a different provider, SP Servicing, they said that they don't offer any sort of forbearance or payment deferral. Since our home was destroyed, we have been forced to rent another place to live in while we see how we are going to fix the current home after the HOA was done with bringing it back to white box and ready for a contractor to go in and start work. The white box was only finished recently, and we have not had any luck with our insurance company to make any claim payments. Our income is only {$1700.00} per month combined, and we have been struggling to live on that since our rent is {$1500.00} and we still have utilities and groceries, not to mention the prices that are increasing and causing us a lot of financial distress. I've communicated with them several times that I simply can not afford to pay our current rent and our current utilities, plus the mortgage, plus the HOA fees. Their response each time was they don't offer any forbearance or payment deferral plans, and they can only offer a loan modification. When I asked what that loan modification is, they said they can do {$100.00} off the mortgage payment. I've communicated again, several times, that this is not helpful at all, how can I afford all this? On top of all this, I applied for a county grant in the county of my permanent residence and I qualified for it for assistance in repairing the home, however, that too is unable to process because I am not in good standing with the mortgage company. I am struggling and drowning without any avenue to get out of this situation. I do not want to be forced into declaring bankruptcy at this age because of the hardships caused to me by the natural disaster, but I am running out of options. If they could offer a payment deferral or some sort of forbearance, that will at least push the grant forward so the home can be habitable again, and I can sell it and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received an email about my account being closed because they said my account was violating their DIRECT DEPOSIT TERMS. On XX/XX/XXXX I received an email saying I they recognized a new employer on my credit score and I need to update them if I have a new employer I had the same employer since I opened this bank. Only thing difference is it went under a new company. I explained and expressed this situation to sofi and told them please give me an update and I will provide them with any information they need and do I need to move money before the date they are supposed to close it because I provided the information. The rep told me no worries and they will update me via email or chat about next steps and that I didnt need to move my money. THAT WAS A LIE. I didnt receive a call or update, and my account was closed and I was mailed a check. I asked sofi Numerous times to mail me a copy of the chat log with the rep. I received no email still upon this day. I also had sofi reps acknowledge that the rep didnt call back or update me like I was promised yet no resolution. I got kicked out of my apartment because I had to wait on a check and Im experiencing homelessness which I expressed this to the agent as well I had a direct deposit coming the day of the closure and I need to know if I need to push the matter with corporate to change my direct deposit because it is hard to reach out to them. They failed me. This is all over a direct deposit issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I was the victim of a sophisticated account takeover and social engineering fraud involving my Truist accounts in XXXX, GA. I am also the legal guardian of my XXXX son, whose Truist account was affected as well. I received text messages that appeared to be Truist fraud alerts, followed by a phone call from someone claiming to be from the Truist Fraud/Alert Department . The caller had detailed knowledge of my recent transactions, which made the call appear legitimate. He informed me that fraudulent activity was occurring on my accounts, allegedly involving someone from inside my branch. As I logged into my Truist accounts, I saw multiple electronic transfers between my and my sons accounts that I did not authorize. The transfers were made internally, i.e. by Truist employees, which supported the deception and convinced me that I needed to act promptly to secure my funds. The fraudster stayed on the phone with me for approximately XXXX hours, directing my actions under deception and duress. Acting under this manipulation, I withdrew {$16000.00} from my checking account and later {$9500.00} from my savings account ( funds previously transferred from my sons account by the fraudsters were part of those withdrawals ) and deposited both amounts into an account controlled by the fraudster at another Truist branch. No Truist employee questioned or intervened during either withdrawal or deposit. I filed a fraud claim with Truist and a police report on XX/XX/year>. Truist denied my claim, on the basis that I withdrew the funds myself. This ignores the fact that the fraudulent electronic transfers were initiated by an unauthorized third party who had taken over my accounts and that Truist employees played an active part in the takeover. Under Regulation E ( 12 CFR 1005.2 ( m ) and 1005.6 ) and CFPBs XXXX guidance, these are unauthorized electronic fund transfers, even if the consumer later handles cash under deception. Truist also refuses to provide a written investigation report, which is required under 12 CFR 1005.11 ( d ). This case involves : Unauthorized electronic fund transfers Account takeover Social engineering Fraudulent branch originated transactions Failure of Truist employees to follow anti fraud protocols Refusal to provide required written documentation A vulnerable adults account being exploited Truists denial is inconsistent with Regulation E and current CFPB guidance on unauthorized fraud and social engineering scams. Desired resolution : A full refund of all unauthorized transfers and losses, a compliant written investigation report, and confirmation that Truist has corrected its handling of account takeover cases.

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 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: OH

Complaint narrative:
I am disputing this account because the debt has not been properly validated and is being inaccurately reported on my credit report. I previously sent a written request for debt validation to Tek Collect Inc on or around XX/XX/year>, requesting documentation including the original signed agreement, itemized statement, and proof of legal assignment of the debt. I did not receive proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite failing to provide adequate validation, Tek Collect Inc continues to report this account to credit reporting agencies, which is inaccurate and misleading. Additionally, the account information being reported is inconsistent, including incorrect or incomplete original creditor information, and lacks sufficient documentation to prove that I am legally obligated for this debt. Under the FDCPA, a debt collector must cease collection activity, including credit reporting, until proper validation is provided. Since Tek Collect Inc has failed to meet this requirement, they should not be reporting this account. I am requesting that this account be removed from all credit reporting agencies immediately due to failure to validate and inaccurate reporting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: PA

Complaint narrative:
XXXX XXXX, I was advised to contact your office and submit a complaint about an email received from NetNet. On XX/XX/year>, I received an email from NetNet stating that my name was changed/updated on the account. I do not have an account with NelNet and contacted their office to confirm. NelNet confirmed that they do not have an account for me with the name, DOB and SS # provided. Following the call with XXXX, I contacted XXXX and their office also verified my information on file and also confirmed that XXXX is the current loan provider for my federal student loans. The email received from NelNet was sent to an email address that I use for other business BUT is not the email address that is on-file or associated with my student loans. Any additional information you can provide will be helpful. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
XX/XX/XXXX, i was contacted by a caller claiming to be in the XXXX XXXX. OF FIRST NATIONAL BANK. He claimed to be calling about fraudulent charges in my account. After 2 days, he had removed XXXX from both accounts. Bank was notified... didn't seem concerned. I contacted PA STATE POLICE, who are currently investigating. To date, they have only reimbursed me {$850.00}. I have no money to pay bills ... they are holding me hostage and NOT COMMUNICATING WITH ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: MOHELA
State: CT

Complaint narrative:
I am filing a complaint against MOHELA regarding the reporting of my student loan account as 90 days delinquent, which occurred during a period when my account was undergoing Income-Driven Repayment ( IDR ) processing and I was not properly notified of any payment obligation. In XX/XX/XXXX, I submitted an application for an IDR plan due to a reduction in income. I received confirmation that my application was being processed, along with additional notifications indicating delays. During this time, I was issued a statement reflecting a {$0.00} payment due. I did not receive any communication confirming IDR approval, a required payment amount, or when payments would resume. Despite this, my account was later reported as 90 days delinquent. I was enrolled in email notifications and had previously received email communication regarding my account. However, I did not receive any email notifications when my payment obligations allegedly began. Billing statements were sent to an outdated mailing address ; however, I was actively enrolled in electronic notifications and did not receive equivalent email communication regarding any change in my account status. Additionally, after reviewing my account in MOHELAs online portal, I observed that the Documents We Sent You section reflects that billing statements and communications were generated between XX/XX/XXXX and XX/XX/XXXX. However, these were not delivered to me via email, and I only became aware of them after logging into the portal. This reflects a discrepancy between documents generated and actual notification. Further, on XX/XX/XXXX, after I had already contacted MOHELA and submitted my dispute, I received emails stating that my account was 60 days past due and one payment past due, despite the account already being reported as 90 days delinquent. This raises concerns regarding the accuracy and consistency of their reporting. I made multiple attempts to contact MOHELA to obtain clarification but was unable to receive clear or consistent information. I also submitted a formal dispute with supporting documentation, including IDR processing details, communication gaps, and timeline inconsistencies. MOHELA responded with a general statement that did not address the specific issues raised. This delinquency occurred during a period of administrative processing and lack of proper notification, and does not accurately reflect my account status or ability to make timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Since the very first day I opened my personal and business account in XXXX, they frozen it multiple times. I also received a payment in my new business account, that I understand it's new they will hold the money for 21 days and I patiently waited the time they said. Yesterday, XX/XX/XXXX I tried to link the business bank account as well the debit card and it did let me to link it, then I tried to move the money from business account to personal account ( both venmo ) and it doesn't let me, I called multiple times to customer service, one call lasted 1hour 28minutes and they only said they will escalate my case and that's it. That is an automated system that flagged when I tried to move the money and keeps sending an error. I try again the next day and nothing, still won't let me to use my own money, money that I need urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Demand for Deletion FCRA Violations To Whom It May Concern, This is a formal dispute and demand for deletion regarding inaccurate information reported on my credit file. The account at issue : XXXX XXXX Balance : {$1300.00} Status : Collection / Charged-Off LEGAL NOTICE Under FCRA 607 ( b ) ( 15 USC 1681e ( b ) ), you are required to follow reasonable procedures to assure maximum possible accuracy. Reporting unverified or incomplete information is a direct violation of this statute. Under FCRA 611 ( a ) ( 15 USC 1681i ), you are required to conduct a reasonable reinvestigation, not a superficial or automated verification. At this time, I have no evidence that this account has been properly verified with competent documentation. You must provide actual documentation, not mere confirmation from the furnisher, including : A signed contractual agreement Full account history Proof of my legal obligation Verified date of first delinquency If you can not produce this documentation, you are required by law to DELETE this account immediately.

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