vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
The company in question is XXXX. They now offer cryptocurrency services in addition to their financial services. I confirmed with XXXX, third parties, and directly with a XXXX XXXX agent on chat that cryptocurrency buying, selling, sending, and receiving is available in my state ( New Jersey ). After purchasing {$60.00} worth of Bitcoin ( directly using my XXXX cash balance ), I received {$58.00} worth of Bitcoin. I then attempted to send my Bitcoin to an external wallet and received an error message stating that it's unavailable in my area. I then contacted a Live Chat agent again. The agent then told me that sending and receiving is unavailable ( after previously confirming that it IS available ). She then told me my only option is to sell my Bitcoin and receive the cash back into my XXXX account balance immediately ( at an additional loss, of course ). Begrudgingly, I sold the Bitcoin in question. I then received a notice that my money from the sale will not be deposited into my XXXX account until XX/XX/XXXX ( 6 whole days ). After being deceived and lied to about everything, this agent suddenly ended the chat without warning. I connected with a new agent, who then did not address my concerns at all and connected me with a different agent for some reason. This last agent told me to contact back the following day, then ended the chat immediately after saying that. I'm extremely upset with how the entire situation was handled. It was completely dishonest, deceptive, and rude.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XXXX in Banking Harms and Stigmatizes the Poor. Santander bank uses XXXX XXXX to determine if a client is wealthy or poor, and if they will be grant them privileges or not. It works by tracking behavior patterns. I am a XXXX man. I am on XXXX XXXX and XXXX XXXX. I am old and ill. My finances are not consistent week to week. I often rely on gifts from family and friends for money to eat and pay for medicine. Most times I have XXXX in my account and at other times XXXX XXXX dollars because my brother helps me, or a relative lovingly leaves me money in their will. I do not provide steady bank deposits. Right now I am starving for food. My brother gave me check for XXXX dollars so I can eat and for improvements in my well being.. I deposited the check to Santander bank. The XXXX determined I was high risk for fraud, a theif, or a drug dealer and put the check, a gift from my brother, on extended hold. I was told it will take 10 business days. I am starving. The customer service representatives admitted the XXXX was to blame.and that no one has the power to deny the XXXX. They said this happens all the time to poor clients and they are.exasperated as much as I was. If Santander doesnt trust or want to serve their poor clients they should have informed me the day i opened the account. Santander is not for people who hamd to mouth otherwise they will starve like me. My life, my health, my mental health, my XXXX are all in danger now because of an XXXX robot .. that Santander executives can not control.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ Phone Number ] [ Email Address ] Date : XX/XX/year> To : JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Request for Debt Validation Account Number : [ Insert Account Number ] To Whom It May Concern, I am writing regarding your recent communication concerning the above-referenced alleged debt. I am formally requesting full validation and verification of this debt. Please provide documentation verifying the validity of this account, including the following : The name and address of the original creditor The original account number The full amount of the alleged debt, including any interest, fees, or additional charges Documentation proving that I am legally responsible for this debt Proof that your agency is legally authorized to collect on this account Until you provide the requested verification, I request that all collection activity regarding this account cease immediately. If your agency is unable to provide the requested verification and supporting documentation, I request that this account be immediately deleted from all records reported to credit reporting agencies and that all collection efforts related to this alleged debt cease permanently. This letter is not an acknowledgment of liability for this debt, nor is it a refusal to pay should proper verification be provided. Please send all requested documentation to my mailing address listed above. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: eToro USA LLC
State: FL

Complaint narrative:
I am writing to formally raise a complaint regarding a promotional offer associated with my account. At the time of opening my account, I was presented with a promotion stating that if I made an initial deposit of {$5000.00}, I would receive a {$500.00} bonus in cryptocurrency of my choice. I selected Bitcoin as my preferred asset and proceeded to fund my account with the required {$5000.00} in full compliance with the stated terms. After completing the deposit, I contacted customer support to confirm the process. I was explicitly advised that if the bonus was not credited within seven days, I should reach out again for assistance. I followed these instructions precisely and waited the full seven-day period with the funds maintained in my account. However, after the seven days had passed and the bonus was still not credited, I contacted customer support again. At that point, I was informed that I am not eligible for the promotiondespite having met the requirements and having been previously advised otherwise by your team. This situation is unacceptable for the following reasons : I acted in good faith based on a clearly advertised promotion. I fulfilled the stated deposit requirement in full. I relied on guidance provided by your customer service representatives. I was not informed of any disqualifying conditions prior to or during the process. I request that this matter be reviewed immediately and that the promised {$500.00} Bitcoin bonus be credited to my account without further delay. If this issue is not resolved promptly, I will consider escalating the matter further through formal regulatory and consumer protection channels. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint regarding Capital One Bank and its handling of my small businesss online bill payments. My business has used Capital Ones online bill pay system for years to pay our utility provider, XXXX XXXX, via ACH without any issues. However, approximately two months ago, Capital One unilaterally changed the payment method from ACH to a mailed paper check without my knowledge or consent. This unauthorized change caused significant disruption. I only became aware of the issue when XXXX XXXX contacted us regarding past-due paymentspayments that should have been delivered electronically and on time, as they always had been. Because Capital One switched to mailing checks, the payments were delayed, and XXXX XXXX assessed late fees. XXXX XXXX has been unable to explain why this change occurred and has refused to allow me to speak with anyone in their Small Business department, stating that the department does not accept calls, despite the fact that we are a small business customer. As a result, I have been unable to resolve the matter directly with the vendor. Capital One refunded the first late fee after acknowledging the payment delay. However, they are refusing to refund the second late feeeven though they continue to send payments by check instead of ACH, a method I never authorized and have repeatedly attempted to correct. Capital One has not provided any explanation for why the payment method was changed or why it can not be restored to ACH. This situation has caused financial harm, administrative burden, and unnecessary risk to my businesss credit standing and vendor relationships. Capital Ones actions constitute : A unilateral and unauthorized change to a payment method Failure to notify the customer of a material change affecting timely payments Failure to correct the issue after being notified Refusal to reimburse fees directly caused by their systems change I am requesting the CFPBs assistance in obtaining the following : Restoration of ACH payments to XXXX XXXX through Capital Ones bill pay system Reimbursement of all late fees caused by Capital Ones unauthorized change A written explanation from Capital One regarding why the payment method was altered without consent Assurance that similar unauthorized changes will not occur in the future Thank you for your attention to this matter. I am prepared to provide documentation, payment records, and correspondence upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App has now confirmed my account is closed for a Terms of Service violation and states they have provided all available information. However, my account still shows a visible balance of {$8300.00} with no method provided to withdraw the funds. I have not been given any clear legal, regulatory, or contractual basis for withholding my remaining funds, nor any instructions on how to access them. I am requesting a formal determination on the disposition of my funds and either : ( 1 ) immediate release of my remaining balance, or ( 2 ) written explanation with specific legal or regulatory authority for withholding the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am filing this complaint against Experian regarding the inaccurate reporting of a collection account from Credit Collection Services ( Original Creditor : XXXX, Acct # XXXX ). I recently disputed this account because it has been paid in full. However, on XX/XX/year>, Experian completed an investigation ( Report # XXXX ) claiming the information was 'verified ' and would not be changed. This is factually incorrect as the balance is no longer owed. Under the Fair Credit Reporting Act ( FCRA ), bureaus must report only 100 % accurate information. Because Experian and the furnisher failed to provide an accurate status during a federal dispute, I am requesting an immediate deletion of this trade line from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am filing this complaint against XXXX 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 {$330.00} was charged to my XXXX debit card by a merchant listed as XXXX. 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 {$38.00}, {$180.00}, {$83.00} I affirm the following : I did NOT authorize this transaction. I do NOT have any account or relationship with XXXX. 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 XXXX and filed a dispute. Although XXXX 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. XXXX has failed to provide any of the following : Evidence of cardholder authorization 3D Secure ( authentication ) records, if applicable AVS and CVV verification results IP address, device ID, or geolocation data associated with the transaction XXXX 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 XXXX 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 XXXX Additional Statement : I have never used or authorized any transaction with XXXX 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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Portfolio Recovery Associates , LLC. The company is reporting an account on my credit report that I have disputed due to concerns about accuracy and proper verification. The balance being reported appears inconsistent with prior account records, and the documentation provided does not clearly establish a complete and specific chain of ownership for this account. I requested verification and supporting documentation ; however, the information provided does not sufficiently demonstrate that the account is accurate or that I am responsible for the amount being reported. Under the Fair Credit Reporting Act, companies are required to report only information that is accurate and fully verifiable. Reporting incomplete or unverifiable information is a violation of these requirements. I am requesting that Portfolio Recovery Associates , LLC either provide proper, competent documentation that fully verifies this account or delete the account from all credit reporting agencies. I also request that the credit reporting agencies ensure compliance with their obligation to report only accurate and verifiable information. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: WA

Complaint narrative:
I took a loan out reading that Id be paying 30 % interest. Which I was okay with. I didnt read the fine print saying it was a 450 % interest rate, I reversed the loan through my bank because of this predatory practice. Im hoping Im protected from these loan sharks and hoping they dont come after me or my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: CA

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding an attempt to collect a debt that I do not owe. On or about XX/XX/year>, I received a written notice from Climb Credit / XXXX XXXX XXXX XXXX referencing Account Number XXXX. The letter demands payment of {$800.00} by XX/XX/year>. However, I have never applied for, authorized, or received any loan or financial product from this company or any affiliated entity. The letter identifies the borrower as XXXX XXXX, an individual I do not know and have no association with. This appears to be a clear case of either identity theft, mistaken identity, or negligent account attribution. I have formally disputed this debt and requested full validation, including a copy of any signed agreement and all documentation used to associate my identity with this account. As of now, no such validation has been provided. I am concerned that : * My personal information may have been used fraudulently * The company may be attempting to collect from the wrong individual * This account may be reported to credit bureaus inaccurately I am requesting the following actions : 1. Immediate cessation of all collection efforts related to this account 2. Full investigation into how my name and address were associated with this debt 3. Written confirmation that I am not responsible for this account 4. Assurance that no negative information related to this account is reported to any credit reporting agency 5. Immediate deletion of any such reporting if it has already occurred Additionally, I request that the company provide all documentation related to this account, including identity verification records used at the time of origination. If this matter is not resolved promptly, I am prepared to pursue further action, including identity theft reporting and legal remedies. I certify that the information provided is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Received a call from a spoof phone number claiming that they were a processor and that there was a file against me. They called from XXXX. They then provided a phone number to call which was XXXX. When I called that number they stated that they had a client, speedy cash and ez online loans, who are filing a case against me. They stated my full social security number. Stated that they had tried collecting on this debt XXXX of XXXX. Said I needed to settle the debt of {$2800.00}. If I didn't have the funds that a judgement would be done and they would then garnish my wages. That President Trump changed the laws. The person I spoke with didn't provide their name but stated that they worked for XXXX and XXXX. When I asked for specific dates they declined to provide that information and told me to wait to receive the paperwork that everything would be there. After the phone call I researched and did not find any company named XXXX and XXXX... I did fond a law firm called XXXX and XXXX. Also the phone number that they provided did not come up for any company I also contacted Speedy Cash and the rep stated that I owed less than {$800.00} but that it was a loan from XXXX and that they sold the debt to a collection company named XXXX financial. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed explanation of the procedures used to reinvestigate disputed information. I specifically requested key details, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period required by law. This failure to respond constitutes a violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief