vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am submitting this complaint regarding my PayPal account and their XXXX XXXX XXXX and XXXX XXXX installment plans. Since end of XXXX / early XXXX, I have repeatedly requested a hardship plan due to job loss and financial hardship. Despite these requests, PayPal has acted deceptively : my XXXXXXXX XXXX XXXX and XXXX XXXX plans are slowly disappearing from my dashboard, making it impossible to track my obligations or verify account status. Upon prior review, all plans were visible, but now active and past-due plans are disappearing without explanation. I have an active cease and desist on file, which PayPal is legally required to honor. Despite this, the company, including XXXX from their XXXX XXXX, has responded to regulatory complaints stating that they dont offer a hardship plan, directly contradicting my requests and ignoring my rights. I am not XXXX ; I am aware of my legal rights, and I see clearly that my dashboard is slowly erasing the plans I owed, which is deceptive and misleading. Furthermore, PayPal and any associated debt collectors are not permitted to contact me in any way except at my mailing address on file ( my XXXX XXXXXXXX ). Any failure to comply with this requirement including sending physical mail to any other address will be considered a violation of my rights under the cease & desist and applicable federal consumer protection laws. I am requesting the CFPB investigate PayPal for : XXXX. Deceptive practices in how XXXXXXXX XXXX XXXX and XXXX XXXX plans are displayed and hidden. XXXX. Failure to provide hardship options despite my repeated requests. XXXX. Ignoring or improperly handling my cease and desist, including allowing any communication outside my XXXX XXXX XXXX. Misleading statements from XXXX in their XXXX XXXX about their inability to offer hardship plans. XXXX. Potential violations of federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) if debts are sent to collections without proper notice. I expect a response detailing the status of each installment plan, any actions taken by PayPal, and confirmation that my rights under the XXXX & XXXX and hardship request process are being respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app closed my personal and business account years ago XXXX XXXX I had {$200.00} my personal my business account they they all of a sudden close my account for no reason saying I wasn't following the rules and they just closed it no explanation about getting my money and they blocked my email and didn't give my money back till his day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My credit cards were stolen in XX/XX/year>. I reported my cards stolen and started a dispute for the transactions made on my account with Navy Federal Credit Union. They failed to give me written explanation in their findings that I, in fact made those claims myself. I appealed their decision and they still did not provide me with tangible evidence on why their investigation was inconclusive. This lead to Navy Federal denying my online access and denied withdrawal of funds, hindering my ability to operate my own financial information. Navy Federal furthermore took funds from my savings account and applied the funds to an alleged owed balance on a credit card I also had with them to pay the amount of the claim I XXXX initially disputed with Navy Federal when my credit cards were taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
I never agreed or signed a contract with Cornerstone XXXX XXXX. The alleged debt owed is in-correct and inaccurate. This company targets young Americans, harasses them for inaccurate debt, and forces them to pay, by suing, or reporting false information to credit reports. This is unethical, and should be a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I am filing this complaint against SoFi Bank regarding its improper denial of my unauthorized electronic fund transfer disputes and the subsequent closure of my account. I timely reported unauthorized transactions, including charges associated with XXXX XXXX and XXXX. I specifically informed SoFi that I did not authorize certain transactions and that my debit card information was used without my consent. At the time, I had lost my phone and debit card and took protective action by freezing and later unfreezing my card. However, the fact that a card was frozen or unfrozen does not constitute proof of authorization under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) or Regulation XXXX ( XXXX C.F.R. XXXX ). A lost device or card increases fraud risk ; it does not establish that transactions were authorized by the consumer. Despite my timely notice, SoFi : Denied my disputes without providing sufficient documentation demonstrating that the transactions were authorized. Failed to provide the investigative materials relied upon in reaching its determination. Closed my account following my fraud reports. Failed to adequately respond to prior complaints submitted through the CFPB. Under Regulation XXXX, the burden is on the financial institution to conduct a reasonable, good-faith investigation and to determine whether the transactions were authorized. A conclusory denial without supporting evidence does not satisfy statutory requirements. Closing an account after a consumer reports fraud raises additional concerns regarding unfair or abusive practices under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). I am requesting that the CFPB require SoFi Bank to : Reopen and properly reinvestigate my disputed transactions in compliance with Regulation XXXX. Provide all documentation relied upon in denying my disputes, including any device, IP, authentication, or merchant verification records. Credit or reimburse the disputed unauthorized transactions. Confirm that no adverse reporting has been submitted to XXXX or any consumer reporting agency in connection with this matter. I am seeking full reimbursement of the unauthorized transactions and regulatory review of SoFi Banks dispute investigation and account closure practices. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I sent {$140.00} via Cash App to a service provider using the same Cash App account I had successfully used with her in the past. Immediately after the transaction, I was informed that her Cash App account had allegedly been hacked and was under unauthorized control. She instructed me to repay her through another method, which I did via XXXX. Upon learning that the Cash App account may have been compromised, I immediately contacted Cash App to request assistance and a refund. Cash App refused to intervene, stating that completed payments can not be reversed and that only the recipient could issue a refund. This response fails to address the core issue. This was not a mistaken recipient error. I reported that funds were sent to an account that was allegedly compromised by unauthorized access. That raises security concerns regarding account protection and transaction safeguards on their platform. Cash App did not provide evidence of a security review of the recipient account, did not explain what investigative steps were taken, and placed the entire burden on me to recover funds from a potentially compromised account holder. As a consumer using a financial services platform, I reasonably expect that reports of hacked accounts would trigger some form of review or protective action. Cash Apps position leaves customers without recourse when payments are sent to accounts reported as hacked. I believe this practice is unfair and inconsistent with reasonable consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, PayPal marked a {$100.00} refund as completed and stated that the funds were transmitted to my linked Visa card. The original transaction amount was {$100.00}. As of the date of this complaint, the funds have not been received by my issuing bank. I contacted PayPal multiple times requesting documentation to verify transmission of the refund, including the XXXX XXXX XXXX ( XXXX ), network-level confirmation of transfer, proof of settlement to the issuing bank, and an explanation for the {$3.00} discrepancy between the original transaction amount and the refunded amount. PayPal representatives stated they were unable to provide this information and directed me to contact my bank. However, without the XXXX or trace documentation, the bank is unable to locate or trace the alleged refund. This has created a circular dispute process in which the refund is marked as completed by PayPal, but no verifiable proof of transmission or settlement has been provided, and the funds remain unavailable to me. I am requesting written confirmation of the refund transmission, including traceable documentation, and a full accounting of the missing {$3.00} difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: TX

Complaint narrative:
I am writing to formally dispute the bankruptcy currently being reported on my credit report. This entry is inaccurate, outdated, and/or unverifiable. Despite my prior efforts to resolve this issueincluding submitting dispute requests and supporting documentationthe bankruptcy information continues to be reported without proper verification or correction. The continued presence of this entry is causing significant harm to my credit profile and raises concerns regarding compliance with fair and accurate reporting requirements.

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
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a notification from Bank of America stating they canceled claim # XXXX because it is a duplicate of claim # XXXX, which was opened on XX/XX/year>. According to the notice, the provisional credit of {$2400.00} that was applied to my checking account ( linked to my debit card ) will be removed on XX/XX/year>. Any credit for reimbursement of fees will also be reversed. This was related to a fraud claim I filed on my debit card. The original fraud claim was denied, and the provisional credit came from the duplicate claim I filed by mistake. About a month ago, I contacted Bank of America customer service to request that they delay this reversal, but they did not agree or provide any relief. I only expect to have about {$400.00} to {$550.00} in my account on XX/XX/year>. The {$2400.00} deduction will create a negative balance of roughly {$1900.00} {$2000.00}. This will lead to overdraft issues and make it extremely difficult for me to pay my rent, utilities, and other essential bills.

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 monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Avant , LLC for unauthorized withdrawals and poor record-keeping practices. On XX/XX/year>, I contacted Avant ( via phone call ) to resolve a duplicate charge of XXXX, request a refund, and revoke auto-pay for my bank account. While Avant sent an email confirming the auto-pay cancellation, they completely failed to provide any documentation, email, or app update regarding the status of my refund request. > The refund briefly appeared in my account on XX/XX/year>. However, today, XX/XX/year>, Avant processed another unauthorized withdrawal for the same amount, completely ignoring the written auto-pay revocation they previously confirmed. This unauthorized transaction caused my bank account to overdraft in the amount of {$36.00}. Avant 's failure to properly document my refund request and their blatant disregard for a confirmed auto-pay cancellation has caused me direct financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: GA

Complaint narrative:
Complaint Summary I am submitting this complaint regarding alleged inaccuracies, disputed authorization, and servicing concerns related to federal student loan account ( s ) serviced by Nelnet. This complaint also arises in the context of a disclosed data incident involving third-party service providers, which raises concerns regarding the integrity and accuracy of the account information. Fraud has been conducted as the borrower on contract isnt me and any information on the borrower section isnt me or pertains to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: TX

Complaint narrative:
The Age of the Debt : This is a XXXX medical bill and is past the 4-year Statute of Limitations for legal action in the state of Texas. Refusal to Validate : I sent a certified letter ( Tracking # XXXX ) on XX/XX/XXXX, and the collector failed/refused to pick it up. ( Attachments Included ) Invalid Verification : XXXX XXXX verified '' the debt while the collector was simultaneously avoiding my legal dispute, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am filing this complaint because there are collection accounts on my credit report that do not belong to me. I check my credit regularly, and these accounts showed up without my knowledge or permission. I never authorized this, and I am extremely frustrated that this inaccurate information is being reported under my name.

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 2026-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Sovereign Lending Group, Incorporated
State: AZ

Complaint narrative:
Complaint : Bait-and-Switch Lending Practices On Monday, XX/XX/XXXX, I began working with a lender to refinance my mortgage. On Wednesday, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, Sovereign Lending Group Incorporated, and XXXX XXXX contacted me and offered a lower interest rate than the lender I was previously working with. I specifically requested that the terms be provided in writing. In response, XXXX XXXX provided Loan Estimates and disclosures showing a XXXX % fixed interest rate on a XXXX-year mortgage. My wife and I reviewed and signed these disclosures. Copies of the signed documents are available. On XX/XX/XXXX, I was sent new Loan Estimates and disclosures. Without prior discussion or consent, the loan type was changed from a XXXX-year fixed-rate mortgage to a XXXX % XXXX mortgage ( XXXX ). Copies of these revised disclosures are also available. I immediately contacted the lender and requested that the loan be corrected back to the originally disclosed XXXX-year fixed-rate mortgage at XXXX %. Instead of honoring the original terms that were provided in writing and signed, I was told that the fixed-rate option was now XXXX %. This sequence of events reflects a bait-and-switch practice. I was presented with specific loan terms in writing to secure my business, signed disclosures based on those terms, and then had the terms materially changed afterward. When I objected, I was offered significantly worse terms. Additionally, public records indicate that this lender was the subject of CFPB findings in XXXX related to unethical or deceptive lending practices. The conduct described in this complaint appears consistent with those prior findings and raises concern that the corrective measures implemented at that time have not been effective. I am submitting this complaint because : I relied on the written Loan Estimates and disclosures provided and switched to them. The loan terms were changed after signatures were obtained. The lender failed to honor the original disclosed terms or provide a reasonable explanation for the change. The conduct appears deceptive and inconsistent with fair lending practices. I am requesting a formal review of this matter and appropriate corrective action.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I have done everything this is XXXX times different payouts it was at XXXX still owing several XXXX dollars the amount was changed countless times and I started screen shots. It almost seems unreal to have the amount of money that I have tied up with the company. I have gone through everything and now they have me at a negative. I purposely put in XXXX dollars to see what the company would do as an experiment still going on as of XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Action sent portal email and through a physical mail letter XX/XX/year>, XXXX XXXX, XXXX Subject : Merchant Dispute * * * * Transactions ( {$7500.00} ) This is not an unauthorized charge but a billing error under the Fair Credit Billing Act. I authorized several * * * purchases, but I cancelled them. The merchant removed the purchased items from my account ( see attached screenshot showing negative balance ) but I never got the refunds back. I also have sent cancellation confirmation letter and transaction IDs ( attached ) to XXXX. Please process this as a merchant dispute/chargeback against XXXX for {$7500.00}, as I paid for items that were revoked and no refund was 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