vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal permanently restricted/limited my account for XXXX years now under the trumped up excuse of XXXX. The only thing that triggered their assessment was a series of two back-to-back transfers, prompted by PayPal 's own pledge to receive money from anyone and send money to anyone. Because PayPal 's algorithm at the time exhibited ridiculous traits and caught pretty much every simultaneous transfer as a money laundering pattern, thousands of businesses saw their accounts frozen. PayPal even wrongly froze the account of a charity they sponsored. The matter was largely resolved in an embarrassing and costly class action litigation, where PayPal not only unfroze thousands of accounts, but also paid {$100.00} in restitution to each account holder. I am still unable to close my account, but the following considerations now apply : XXXX ) Citizen of XXXX covered by the provisions of XXXX  with a clear ask for data erasure and " right to be forgotten ''. XXXX passport attached XXXX ) Multiple data leaks alleged, where PayPal leaked my data to unscrupulous third parties who won't stop texting me or emailing me from very realistic PayPal spoof sites- experienced twice costly fraud as a result. While I sometimes get spoof messages from XXXX, I know for sure that I don't have a crypto account, while the existing PayPal account increases my chances of becoming a spoof fraud victim again XXXX ) The XXXX record retention for legitimate XXXX  purposes has XXXX elapsed - no XXXX  activity has ever been proven regardless XXXX ) PayPal appears to have imposed a lifetime contract on me under the excuse of XXXX, but in reality it is extremely one-sided and fits the legal definition of " involuntary servitude ''. Courts have been known to strike down and disallow involuntary servitude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Somehow transferred was done out of my coin base account first XXXX and then XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-02-22 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: TN

Complaint narrative:
Columbia debt recovery is alleging I owe {$250.00} for XXXX property management on behalf of The XXXX property in XXXX, TN. While debt is owed to XXXX XXXX for another property in XXXX, XXXX XXXX XXXX failing to provide validating documents or proof I owe The Hudson XXXX They stated I broke/moved out early, I never signed a lease for the XXXX. I sent a letter for proof on XX/XX/year>, and received a move out statement, I never signed a lease or lived there. I sent another on XX/XX/year> and they sent me a lease for another property. No proof of the debt owed. Just avoiding proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
Around XX/XX/year>, XXXX made unauthorized transactions to my XXXX Account. 

A dispute was filed on all unauthorized transactions. I provided to XXXX with several documents to help in this dispute process. I even offered to file a police report and give full cooperation on this issue. XXXX of the transactions was credited back to my account ; however, the other transactions were deemed my responsibility. 

I provided evidence of malware on my device. 
I provided evidence of dark web activity. 
I offered to sign a sworn statement. 
I offered to get law enforcement involved. 

After the chain of events, XXXX closed my account and kept the money from the unauthorized transactions. I feel extremely discriminated against by XXXX regarding all these issues that have happened, as someone honest and willing to do whatever it takes to prove these transactions were fraudulent. I got my account closed instead. XXXX 's dispute and XXXX department, I feel, is completely operating without the correct knowledge of security. 

XXXX has also locked my account so that I can not see my banking statements since the closure occurred. 

The conversation file I wish to attach exceeds XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Chase bank locked my account due to fraud alert and I gave the right answer to my verification question & they still haven't unlocked my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I am filing a complaint regarding USAA XXXX XXXX Banks placement of extended holds on XXXX certified/cashiers checks that I deposited ( XXXX for {$1000.00} and XXXX for {$1200.00} ). 

Despite being certified funds, USAA released only partial amounts and placed holds totaling approximately {$1300.00} for up to XXXX business days. As a result, a scheduled payment was returned due to insufficient available funds. 

I have been a USAA member for over XXXX years with substantial recurring direct deposits exceeding {$10000.00} per month, including military pay, employment income, and Social Security benefits. I maintain multiple accounts and additional secured credit products with the bank. 

USAA markets itself as serving military members and veterans, yet no individualized review was conducted, and escalation was denied when I requested reconsideration of the hold. I was told this was policy with no further explanation. 

I am requesting : XXXX. A formal review of the extended hold. 
XXXX. A written explanation of the specific risk factors used to justify the hold. 
XXXX. Clarification on how Regulation CC and funds availability standards were applied in this case. 
XXXX Review of USAAs hold practices for long-standing members with stable deposit histories. 

I request a formal written response. 
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 2026-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMMERCE BANK
State: NE

Complaint narrative:
Purchased a vehicle from XXXX XXXX XXXX on XX/XX/year>, after going through the Attorney Generals office it was determined there is a fraudulent installment contract that was used ( signed on XX/XX/year> when I was not present ). I tried getting the XXXX address to this contract and no information was given. I can provide a copy of the contract that was done in ink pen on XX/XX/year>. I would like to know if is was the bank or the dealership who electronically forged my name on the installment contract. Do to the date change, the payment changed which is how I first noticed there was something wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statewide Credit Services Corp.
State: TX

Complaint narrative:
I disputed a rental collection account reported to my credit. The credit bureau verified the account without the collector providing an executed lease agreement, move-out statement, or Connecticut security deposit disposition establishing the balance. 

I am requesting a reasonable investigation and deletion if proper documentation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
On XXXX I started a wire transfer from my XXXX XXXX  account to my XXXX XXXX account in the amount of XXXX XXXX XXXX. 
Normally the transfer of funds takes about 3 to 5 days.

however the funds were kept by Wells Fargo for about 8 weeks!

why were the funds kept by Wells Fargo for so long? 
At the end I asked my bank to please initiate a RECALL, about a week after executing the Recall funds were returned to my account in XXXX. Somewhere in the process the amount of XXXX XXXX  were kept by Wells Fargo. 
My Bank denies retaining the funds, there is no invoice of what happen to the missing funds and who kept them.

I kept on asking my financial institution ( XXXX XXXX ) here in XXXX daily!, I asked to please start a trace and to send messages to Wells Fargo, which did take place, Wells Fargo did not reply at all, I was charged XXXX XXXX  for this follow up ( My financial institution did refund me the funds at a later date )

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 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MA

Complaint narrative:
I sent {$380.00} to a chime account : XXXX XXXX After texting this number : XXXX ( XXXX ) XXXX. I sent the money and then found the information to be scam, I contacted chime and they stated they couldnt do anything to obtain the money back due to it being pay anyone transfer. They said they filed fraud, and secured my account. Im filing this for they said they cant do anything to attempt to get my money back due to the pay anyone transfer which doesnt make sense for it is a banking company and have access to these individuals accounts and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding a student loan account originally serviced by XXXX, which was later sold, assigned, or transferred to another debt collector. 



Prior to the transfer, my loan was subjected to improper servicing practices. I was placed into repeated forbearance periods instead of being properly evaluated and enrolled in an income-driven repayment plan. As a result, significant interest capitalization occurred, dramatically increasing my loan balance. I relied on the servicing guidance provided and was not fully informed of more affordable repayment options. 



Navient has previously been subject to enforcement action for unfair and deceptive practices, including steering borrowers into costly forbearances. I believe my account reflects similar misconduct. 



After the loan was transferred, I did not receive sufficient documentation proving lawful ownership, assignment, or standing to collect. I have not been provided with : A complete payment history A copy of the original promissory note Documentation of lawful transfer or assignment An itemized accounting of principal, interest, and fees Despite this lack of validation, collection efforts and/or credit reporting have continued. 



I am requesting that the CFPB investigate : Whether improper forbearance steering or deceptive servicing inflated my balance. 

Whether the debt transfer complied with applicable federal law. 

Whether the current collector has legal standing and proper documentation. 

Whether I qualify for discharge, cancellation, or balance adjustment due to servicing misconduct. 



I am seeking : A full audit of my loan history Validation of the debt and lawful transfer Correction of any improper credit reporting Discharge or appropriate cancellation of the inflated balance This situation has caused significant financial and emotional hardship. I respectfully request regulatory review and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My TD checking account was closed on XX/XX/year>. I was told i would receive a check in the mail because my account had {$2800.00} in it. Its been over a year and nothing. I went into the branch last week and got the run around. Literally no update. I just want my funds. I will attach my TD bank statement saying when my account was closed and how much i had in my account, this letter was sent on XX/XX/year>. I will also attach a letter I received from them regarding unclaimed property. Lastly i will attach a letter updating me on my Checking account but it doesnt make sense because they sent it a month after my checking account was supposedly closed. I also attached the letter I received when TD bank informed me they were going to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
The school is XXXX XXXX XXXX. When I attended the school. I had a grant and was supposedly get my XXXX  along with this certificate for XXXX. I graduated the program but never received my XXXX  or XXXX XXXX. They also fraudulently took out a student loan in my name. Which I grown interest over the years. My taxes were taken to pay it also. Well I applied for the borrower defense and they just approved it last year. I am supposed to receive all the tax money that was taken from me back but havent received it.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
REGARDING : Complaint # XXXX ( Supplemental to # XXXX ) I. Evidence of False Statements to a Federal Agency On XX/XX/year>, Fair Collections & O/ FCO responded to my initial complaint by asserting that the balance of {$3600.00} was accurate, the move-out was an " eviction, '' and their photo evidence was correct. 

However, new evidence proves FCO knew these statements were false at the time of submission : The Admission : On XX/XX/year>, FCO sent a new " Verification of Debt '' ( VOD ) showing a balance of {$2200.00}. 

The Date of Adjustment : The internal ledger shows a " credit for damages assessed '' was applied on XX/XX/XXXX, XXXX XXXX hours after they told the CFPB the original higher balance was correct. 

The Violation : Under 15 U.S.C. 1681s-2 ( b ), FCO has a duty to provide accurate information. By reporting a balance to the CFPB on XX/XX/XXXX that they manually adjusted on XX/XX/XXXX, they have demonstrated that their " investigation '' was a sham and their response to federal regulators was intentionally misleading. 

XXXX. Admission of Fraudulent Damage Claims The {$1300.00} adjustment applied on XX/XX/XXXX is a tacit admission that the " damage '' charges I disputed ( supported by timestamped video evidence ) were indeed fraudulent. 

FCO originally used photos of car rims and landscaping to justify these charges. 

The sudden removal of $ XXXX my submission of video proofproves FCO was in possession of fraudulent evidence and only corrected it when faced with federal oversight.

Legal Leverage : A debt can not be validated under 15 U.S.C. 1692g using fabricated documentation. The " poisoned '' nature of the original verification requires a total deletion of the trade line, not a retroactive " adjustment. '' XXXX. Continued Misrepresentation of Legal Status I have provided the CFPB with the Agreed Entry from the Municipal Court of XXXX XXXX ( Case No. XXXX XXXX XXXX ) proving a mutual settlement and voluntary move-out. 

Categorizing a settled move-out as an " eviction '' is a material falsehood intended to cause maximum damage to my creditworthiness. 

IV. Irreparable Financial Harm to a XXXX XXXX XXXXXXXX Veteran I am a XXXX XXXX XXXX veteran currently in the final stages of a VA mortgage approval. FCOs continued reporting of an admittedly inaccurate and fraudulent debt is preventing my home purchase. 

Under 15 U.S.C. 1681n, FCO is liable for actual, statutory, and punitive damages for willful noncompliance. 

Their decision to email my wife a new XXXX on XX/XX/XXXX while this supplemental complaint is pending ( # XXXX ) is an attempt to bypass the CFPB and force a settlement on a fraudulent account.

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 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: FL

Complaint narrative:
Hello about 4 months ago there was a problem with my debit card and since direct Express didn't have my correct phone number they blocked my card and my access to my account it's been over 4 months that they still holding my money which is my social security money and I have provided them with proper documentation and they still refuse to unblock my account I send them a copy of my passport front and back and all the documents I had but since my identification card is expired and I haven't had time to go to the office and get it fixed because I'm old and I can not walk they are refusing to unblock my account. When I called their customer service they told me either passport or ID and I have provided them with passport from the back I also sent copy of my security card front and back insurance cards Medicaid card and my id which expired last XXXX but they still refuse to unblock my account and ask me for the birth certificate and I wasn't born here so I can not provide them with a birth certificate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: TN

Complaint narrative:
I am disputing an alleged debt assigned to Midwest Fidelity Partners, LLC by XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX. 

On XX/XX/XXXX, I received a welcome email from XXXX regarding what I was told was a cancelable subscription agreement. At no point during signup was I clearly informed that this was a financing agreement or loan, nor was I provided the original signed contract, Truth in Lending disclosures, XXXX, total cost, or payment schedule. 

On XX/XX/XXXX, I received written communication stating that my account was technically not active yet and that my grace period had not started. This directly contradicts later claims that my cancellation period had already expired. 

When I attempted to cancel the subscription, XXXX representatives told me I could cancel at any time by contacting XXXXXXXX XXXX XXXXXXXX XXXX. When I contacted XXXXXXXX XXXX XXXXXXXX, the representative initially told me they could help cancel my account, placed me on hold, and then returned and said they unfortunately could not cancel it because it was allegedly outside the cancellation period. This directly contradicted what I was previously told and contradicted written communication stating the account was not yet active. 

Additionally, the product was delayed significantly, and I was issued a refund for the device due to the delay, further indicating issues with the original agreement and fulfillment timeline. 

Throughout my attempts to cancel, I was transferred multiple times, given contradictory information by representatives and supervisors, and my cancellation requests were not honored. I also filed a complaint with the Better Business Bureau, but after several responses, the company stopped responding and the complaint was marked unresolved. 

Because of the misrepresentation, contradictory statements, and lack of proper disclosures, I dispute that this is a valid debt. 

On XXXX [ insert date you mailed letter ], XXXX, I sent a formal debt validation request and dispute letter via mail to Midwest Fidelity Partners, LLC. I also sent the dispute via email on XXXX XX/XX/XXXX. In that request, I asked for : The original signed agreement Full Truth in Lending disclosures Complete account history Proof of legal authority to collect As of today, Midwest Fidelity Partners, LLC has not provided the requested validation or documentation.

I dispute this debt and request that Midwest Fidelity Partners, LLC be required to validate the debt or cease collection and remove any credit reporting related to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation