vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
In late XX/XX/year>, I purchased a new vehicle from XXXX XXXX XXXX. As part of the purchase, the dealership arranged financing through Toyota Financial Services. Since the purchase date, I have been unable to obtain access to my financing account or receive login credentials, despite repeated attempts to resolve the issue. 

On XX/XX/year>, I contacted the dealerships sales representative via text message because Toyota Financial Services was unable to locate my account. I was told I should receive account information by mail or email within one to two weeks. No information was received. 

On XX/XX/year>, I followed up again via text message after visiting the DMV and learning that required title and tag paperwork had not been received. I reiterated that my spouse and I would be out of town beginning XX/XX/XXXX for approximately three weeks and expressed concern about both registration and financing account access. The sales representative stated he would look into the matter but did not provide any follow-up.

After this date, the sales representative stopped responding to my text messages, phone calls, and emails. 

On XX/XX/year>, I sent an email to dealership management outlining the ongoing lack of communication, my inability to access my financing account, and the time-sensitive nature of the issue. I received an initial acknowledgment but no resolution. 

On XX/XX/year>, after being told I would receive a response within 23 business days, I sent a follow-up email to dealership management noting that no response had been provided and that the issue remained unresolved. I did not receive a response or any financing account information. 

On XX/XX/year>, I sent an additional follow-up email again requesting an update on my Toyota Financial Services account access and the outstanding financing information. No response was received. 

Between early XXXX and the end of XX/XX/year>, I also attempted to contact the dealership by phone on multiple occasions. Calls were frequently dropped, voicemail boxes were full, or staff were unable to connect me with anyone who could assist.

As of the date of this complaint, I still do not have my Toyota Financial Services login information and have been unable to independently verify my loan status, payment schedule, or account details. Despite repeated outreach over several weeks and multiple documented follow-ups, the dealership failed to provide basic financing information or ensure appropriate post-sale support.

I am requesting assistance in obtaining access to my financing account and confirmation that my loan was properly established and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
While attempting to open an account as a customer at Chase Bank in XXXX, New York, using my daughters federal Social Security benefit check, a bank employee denied me service and handled the check in a manner that altered it. Specifically, the employee applied some type of liquid to the check, causing the ink to smudge, and then suggested the check appeared fraudulent. 

During this interaction, the same employee verbally escalated the situation and stated words to the effect of lets go outside to fight.

Following this escalation, a branch manager acted aggressively and threateningly toward me, including placing his hand in my face. This conduct is captured on video. After the incident and escalation, management ultimately opened the account, demonstrating that the original denial and accusation were improper.

I believe this incident involves discrimination and denial of services in a place of public accommodation, improper handling or tampering with a federal government benefit check, and threatening or assaultive conduct by business agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I also just dropped out of college recently and noticed this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MI

Complaint narrative:
I previously owned an XXXX  phone, on which I configured my wallet for tap-to-pay transactions. I had a XXXXXXXX XXXX card linked to my Google Wallet. Since linking my card, XXXX has attempted to withdraw {$11.00} from my account on three separate occasions, successfully doing so until I blocked them from processing transactions. For the last four months, XXXX has made daily attempts to debit my account for {$11.00}, resulting in over XXXX transaction attempts, which I can substantiate as I receive an email notification each time they attempt to use my XXXX XXXX debit card. I tried to file a complaint with them via email. They have refused to cease withdrawing funds from my account and have shown no accountability despite the evidence provided in screenshots. I am uncertain as to why they are debiting my account, as I am not subscribed to any service, and I no longer possess an Android phone. I attempted to lodge a complaint with the better business bureau, but they continue to deny the unauthorized debits while persisting in their attempts daily. This constitutes fraud and must be addressed. They have no legitimate reason to access my account ; I only had my card linked to the wallet for tap-to-pay purchases. I was never enrolled in any subscription, as evidenced by the emails I received each time XXXX XXXX declined the transaction. There is no explanation for the {$11.00} charge, and I have received multiple emails urging me to update my payment information or risk cancellation of a subscription that does not exist. They have failed to clarify what type of subscription I supposedly have, as I have never signed up for any. Furthermore, they continue to send me emails stating that my nonexistent subscription has been canceled, yet they persist in attempting to withdraw {$11.00} every day.

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 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I requested a full accounting and verification of the alleged obligation, including documentation establishing the origination of the credit, the method and source of funding, a verified reconciliation of the claimed balance from inception, and evidence of Capital Ones lawful authority to enforce the account. Despite multiple written requests and ample time to respond, Capital One did not provide a full accounting or verification. Instead, it provided generic terms and non-responsive correspondence that did not establish the origination, funding, or reconciliation of the claimed balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Sometime around XXXX of XXXX  XXXX XXXX disputed every transaction we ever had with XXXX. XXXX purchased many items from me for his new place. He also received each of these items. XXXX  issued the refund without allowing me to explain that each of the charges was very valid and I had text messages to prove it. I didnt use XXXX  everyday and didnt notice until several days later when noticed my balance was {$0.00}. I immediately contacted XXXX  and they said I received emails about him contesting the charges but that isnt the case. They refunded an extremely high number of transactions spanning a long period of time. They did no investigation or consider calling me about this. They just issued the refund, giving this buyer their money back for items they had received. They refused to even consider the text messages and were very unhelpful. They treated me like I had done something wrong. Had they looked into XXXX XXXX at the time they would have noticed a pending case against him from the XXXX Police Department for theft. My insurance claim for this theft was $ XXXX. This XXXX fella is not a good person. He is a thief. They gave this thief, whod already stolen over {$17000.00} from me, his money back for items he then had possession of. I have written XXXX legal department XXXX different times requesting detailed information about this matter but have never received a response. They are in no way concerned about basically stealing my money and never once showed any empathy or even common decency where this is concerned. I needed that information in order to begin the process of filing suit against them. I have detailed text messages backing up the transactions where XXXX sent all of this money to me and want them held accountable for their negligence and mishandling of my money. Should this be necessary XXXX going to petition the court for the maximum in damages I can be awarded so they are required to notice what theyve done. I would never have any money with them again and dont think they possess the skills necessary to handle other peoples money. Not a single employee at that company was ever minimally polite. They never sent me the information I needed to begin arbitration so XXXX going to bypass that and go right to the civil suit. Please help me get my money back from this awful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NV

Complaint narrative:
Discover Credit Card Account Number XXXX XXXXXXXX Status : Charged Off Balance : {$12000.00} Date Opened XXXX XXXXXX/XX/XXXX Status Updated XXXX XXXXXX/XX/XXXX. This account is closed and they wont remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding Cedars Business Services , LLC for continued debt collection activity in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I timely disputed an alleged debt and formally requested validation pursuant to 15 U.S.C. 1692g. Cedars Business Services acknowledged receipt of my request and stated that it was forwarded to the appropriate department. To date, no validation of the alleged debt has been provided.

Despite the absence of validation, Cedars Business Services has continued collection activity. The company has sent multiple collection emails, including emails sent on XX/XX/year> and XX/XX/year>, attempting to collect payment and directing me to an online payment portal. 

Additionally, on XX/XX/year> at approximately XXXXXXXX XXXX XXXX, I received a telephone call from Cedars Business Services from the number XXXX. During this call, I was informed that there was now an additional or newly asserted debt associated with this matter. The representative stated that limited information could be provided because the original creditor is located in the XXXX XXXX. 

Cedars Business Services is asserting two separate balances under the same account number, reference number XXXX, specifically an alleged balance of {$120.00} and an alleged balance of {$220.00}, without having provided any validation for either amount. 

The continued collection activity including repeated emails, a telephone call, the assertion of additional or increased balances, and attempts to direct payment through an online portal occurred after a timely dispute and without any debt validation being provided. This conduct constitutes violations of the FDCPA, including but not limited to 15 U.S.C. 1692g ( b ), 1692e, and 1692f.

I am requesting that this matter be reviewed for compliance with federal consumer protection laws and that Cedars Business Services be required to cease all collection activity unless and until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal, My PayPal account is ( XXXX ). I request that PayPal formally reopen and refund the disputes related to the following transactions : Transaction ID : XXXX, Transaction ID : XXXX, and Transaction ID : XXXX. 

These XXXX transactions are directly related to a group of other transactions that occurred around the same time and for the same underlying issue. A previous PayPal agent already investigated this group of transactions, confirmed the problem, and issued refunds for XXXX of them : Transaction ID : XXXX and Transaction ID : XXXX. However, it appears that the same agent inadvertently failed to process the remaining XXXX related transactions listed above, even though they are part of the same case and should have been handled consistently. 

The notes and internal history on the refunded transactions should clearly show that all of these payments stem from the same incident and were intended to be resolved together. In light of this, I am respectfully requesting that PayPal review the existing case notes, acknowledge the linkage between these XXXX transactions, and extend the same refund and resolution to the XXXX remaining transaction IDs that were overlooked. 
Regards, XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
On XX/XX/2025 I received initial notice from Columbia Debt Recovery LLC, dba Genesis, stating that I have a debt for the amount {$92.00}. XXXX XXXX XXXX ( attached ). 
In response to my inquiry, they sent XXXX LEDGER.pdf ( attached ) and XXXX INVOICE.pdf ( attached ). 
After doing calculations, I find out that not only I do not owe the renter XXXX, but they owe me {$11.00}. 
On XX/XX/2025, I emailed Columbia Debt Recovery LLC, dba Genesis with calculations according to the documents they sent, they emailed back with dispute number XXXX. 
I did not receive any replies from them. 
Around XX/XX/2025 I called their phone number to see the status, the man who answered the call was very abusive, and did not want to read my email or be reasonable. 
On XX/XX/2025 I emailed again, XXXX XXXX Correspondence XXXX XXXX, XXXX.pdf ( attached ) that contained my calculations and asked them " EITHER PROVE TO ME THAT I AM WRONG, OR TAKE THIS CHARGE OFF OF MY ACCOUNT ''. 
I received an email stating a new dispute Number : XXXX. 

Now they started texting me that my balance overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: MS

Complaint narrative:
I submitted a Borrower Defense to Repayment application that remains in review despite documentation of school misconduct that qualifies for discharge. The prolonged delay has caused ongoing financial and credit harm while relief is pending. I am requesting immediate escalation of my case, prompt review of my Borrower Defense application, and written confirmation of the current status, expected timeline, and next steps. Continued delays are creating unnecessary hardship. My credit has been negatively impacted while my application remains pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
I opened a new bank account with Key Bank and deposited my paycheck via mobile deposit. There was no prior warning or disclosure of any kind stating that it would take them at least XXXX  days to deposit the money from my paycheck into my account. I can not afford to go nearly an entire pay cycle without my paycheck. I live paycheck to paycheck, I have a toddler who needs diapers and food. I have rent that will now be late and I will now be charged a {$250.00} late fee for. I have car insurance that has now lapsed, resulting in me not being able XXXX XXXX my vehicle to work. I've now had my phone service cut off, and will be charged an additional fee from XXXX XXXX XXXX to re-activate it. I called XXXX XXXX XXXX customer service to ask if there was anyway for them to release my money sooner, to which I was told no, because I have a new account this is standard practice. I went to Key Bank in person and talked to a teller who was rude and told me there's nothing I can do, I just have to wait for it. I asked if I could cancel the deposit and take my check somewhere else to cash it, she told me no. I just have to wait. I called customer service back and argued to talk to a supervisor after nearly XXXX minutes of waiting I got a supervisor who told me there is nothing they can do, if I want an exception I have to go back to the bank in person and convince the bank XXXX to give me an exception. This is ridiculous, I've never had a bank hold my paycheck for so long and not give me access to ANY of my funds while they verify the check. They're acting like my check is from XXXX XXXX XXXX XXXX. It's from XXXXXXXX XXXX  XXXX XXXX a XXXX XXXX  company that is on the XXXX XXXX list. The check is issued by XXXX XXXX XXXX, XXXX of the biggest banks in the XXXX. This entire situation has cost me more money and time, worsening my already fragile financial situation. Had the teller at the bank told me they could do an exception then I wouldn't be submitting this right now. I wouldn't be forced to wait another day before buying my daughter more diapers and food. Key bank is disgusting for this, XXXX  I get my money from them I will be closing my account and leaving a bad online review and will be making a XXXX to explain to the whole world what Key Bank does to it's new customers paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
COINBASE SUBMITTED FALSE INFORMATION TO CFPB AFTER BEING CORRECTED BY CONSUMER This complaint concerns Coinbase 's conduct during a regulatory complaint, not the underlying transaction dispute. 

BACKGROUND : In XX/XX/XXXX, I filed a CFPB complaint about XXXX XXXX held at my Coinbase deposit address since XX/XX/XXXX. Transaction hash : XXXX THE PROBLEM : Between XXXX XXXX XXXX Coinbase sent me three identical delay emails, each promising resolution " within 15 business days. '' Each deadline was missed. 

In early XX/XX/XXXX, their Escalations team sent an analysis of a " change address '' XXXX XXXX XXXX XXXX claiming this was the issue. This address is irrelevantit belongs to the sender, not me. My funds are at my Coinbase deposit address XXXX XXXX XXXX. 

I CORRECTED THEM : On XX/XX/XXXX, I sent a detailed correction email to both the Escalations team and Complaints Supervisor XXXX. I explicitly stated they were investigating the wrong address and provided the correct one with blockchain evidence. 

THEY IGNORED THE CORRECTION : Despite my documented correction, Coinbase submitted a response to the CFPB analyzing the same wrong " change address. '' They declared the case " resolved '' with a {$25.00} credit for a {$7300.00} complaint. 

REQUESTED RESOLUTION : Investigation into whether Coinbase has adequate procedures to prevent submission of false information to regulators Corrected CFPB response addressing the actual deposit address ( XXXXXXXX XXXX XXXX Settlement of {$12000.00} ( {$7300.00} principal + {$3600.00} interest for 7 years + {$1000.00} bad faith compensation ) This demonstrates either deliberate deception or broken internal processes. Coinbase had the correct information and ignored it when responding to a federal regulator.

Company response to consumer: Closed with explanation