vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
There was a fraudulent web site that was allegedly selling beef from a real American based company. I ordered a shipment and the total was {$29.00}. I paid via PayPal. The fraudulent company charged {$3100.00} to my PayPal account. PayPal insists this is not fraud per numerous phone calls to their resolution center. I have provided photographic evidence of the fraud by this company, which will also be attached to this complaint. 

PayPal facilitated an unauthorized transaction from my account and denied my fraud claim despite the actual transaction not being authorized by me. 

I did not initiate, approve, or benefit from this transaction. The payment was made without my consent, and PayPal failed to conduct a reasonable fraud investigation before denying my claim. 

I am requesting that PayPal reverse the unauthorized transaction and provide documentation explaining how they determined this payment was authorized. 

I believe PayPals handling of this matter violates consumer protections related to unauthorized electronic fund transfers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Buyer suggested to use PayPal platform to make a sale for the shoes. I am new and after creating the account and verifying all my information and details asked by platform, money was sent to me by the buyer and PayPal blocked my account saying they will hold my money for 120 days because account has limitations. I tried to contact multiple times to release the money or be able to refund buyer, as they limited all my actions and I wasnt able to simply refund her, I was told there is nothing that can be done on their end. After both me and buyer agreeing on refund, she said she will contact PayPal on her end and they refunded her right away, while for me they kept saying case is open and I need to respond to it. Options to respond were give refund, provide proof of refund or add comments. None of those options were available for me to respond since PayPal restricted me from eveything. I contacted support again explaining situation, they said nothing can be done on our end, just wait till XX/XX/XXXX and case will be automatically closed and refund amount will be taken from the money currently held by PayPal. Today I receive message case was closed and im being charged XXXX for dispute!!!! I called support again explaining everything, asked to be transferred to XXXX. She kept saying charge will not be waived and there is no other options but pay it, completely disregarding the situation and that me and buyer had no other option but to request refund through this way. Only after stating Ill submit claim to CFPB, I was told theres option to appeal with tracking information and proof of delivery. I said sale was cancelled as they held money and its not possible. I asked if I should have sent the item and not receive the money for 120 days? They never responded to that. After I asked for steps to appeal without tracking information or what would be other options to be treated fairly and I was unprofessionally hung up on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/year>, my PayPal account was taken over without authorization. 

I received PayPal security alert emails confirming that my password, security questions, phone number, and email address were changed without my consent. These changes occurred immediately before cryptocurrency held in my PayPal account was sold and withdrawn. 

My PayPal account had been dormant for over a year prior to this incident. I did not authorize any of these actions. 

I attempted to contact PayPal on XX/XX/XXXX, but customer service was unavailable due to the holiday. When I regained access to my account the following day, the cryptocurrency was gone. 

PayPal improperly classified my report as a purchase/payment dispute instead of an unauthorized account access incident and closed the case in error, stating the activity was consistent with my transaction history, which is false given the prior inactivity and the multiple security credential changes preceding the asset liquidation. 

PayPal now shows a negative balance of {$96.00} on my account, which PayPal claims I owe. This balance resulted directly from the unauthorized sale and withdrawal of crypto already held by PayPal and not from any transaction initiated by me or from my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
There was an account with XXXX XXXX I had with Commenity Bank. The account was charged off. XXXX XXXX XXXX XXXX purchased the account and hadnt sent me any information regarding them purchasing my account. I spoke with a representative who informed me that legally theyre able to pursue collecting the funds whether or not they are the original debt collector. To date, I had received a summons for court. I only learned about the court filing after I XXXX  Case Searched myself. When speaking with the representative, I was informed that I had to set up a payment plan for the account in order to avoid going to court. I was also informed that the collecting company would not notify the courts of my guilty verdict, and that any payments that were not paid on time would result in the lawsuit being refilled. I dont understand how I can be sued when Im not properly notified. I dont want to issue payments without seeing verification of the original contract that I signed with XXXX XXXX which I know doesnt exist. Theres a court date of XX/XX/year> that I have yet to receive a court summons for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: Chime Financial Inc
State: GA

Complaint narrative:
On or about XX/XX/year>, I identified multiple unauthorized electronic funds transfers from my account. I did not authorize these transactions, did not recognize the merchant, and did not benefit from the funds. The payment method used was not in my name, and I do not have an account or any relationship with the merchant involved. 

I immediately notified Chime and filed a police report with the XXXX Police Department documenting identity theft ( XXXX XXXX. XXXX ). I provided Chime with the police report and fully complied with all investigative requests. 

Despite verified law enforcement documentation, Chime denied my fraud dispute. Chime has failed to identify any evidence that I authorized these transactions and has not provided a valid policy or Regulation E basis to justify the denial. This constitutes a failure to properly investigate an unauthorized electronic funds transfer as required under federal law. 

I further requested documentation detailing the investigation conducted, internal case notes, and an explanation for the denial and the handling of provisional credit. These requests have not been adequately addressed. 

I am requesting immediate reimbursement of all unauthorized transactions and a formal review of Chimes actions for compliance with Regulation E and applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I was called several times asking me to cancel a fraudulent loan someone was trying to make in my name by affirm. I was told to put a pin number to stop the fraudulent loan. I called affirm to ask about this and they told me that it was a scam, but that nothing happened and I was ok, this was XX/XX/XXXX. On XX/XX/XXXX I noticed that I had a loan made for XXXX on XX/XX/XXXX for approx {$300.00} that I didn't make at all. I called affirm to let them know it was not me and they told me they would freeze my account for a month for investigation. During this phone call, another loan was made telling me I had to pay installments of approx {$17.00}. I called back again to report it also and to complain about loans still being made in my name unauthorized. Affirm responded it mustve been in progress during my first phone call. I reported the both of them and was having trouble filing a police report. On XX/XX/XXXX I got an email from affirm saying I was at fault. I'm currently trying to file the affidavit and submit all my evidence.I 've added all the spam calls on XX/XX/XXXX at XXXX and the phone call made to affirm to report it at XXXX. Also, I added a picture of the fraudulent loan amounts from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
On Wednesday morning, XX/XX/XXXX, at approximately XXXXXXXX XXXX, I borrowed {$850.00} through Cash App. The funds were immediately credited to my Cash App balance and available for use. 
That same day, I initiated a standard transfer of the funds to my external bank account. Cash App informed me that the funds would not be available until Monday, XX/XX/XXXX. This delay included Friday, which is a non-holiday business day, as well as the weekend. 
At the same time, Cash App offered an option to transfer the same funds instantly if I paid an instant transfer fee of approximately {$14.00}. This option was immediately available, demonstrating that the funds were technically releasable but intentionally delayed unless a fee was paid. 
I have a consistent history of timely and early repayments using Cash App Borrow, including early payments that resulted in refunds due to overpayment. There were no missed payments or risk-related issues associated with my account. 
I believe this practice creates a coercive choice between waiting several days to access funds already credited to my account or paying a fee to receive those funds immediately. I am requesting review of whether this practice constitutes an unfair or abusive fee-based delay of access to funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
XX/XX/XXXX I received a negative credit alert from my credit reporting agency from a company named " Radius Global Solutions ''. I immediately disputed it as unrecognized and possible identity theft as I've never had service nor lived at location listed. I've never spoken to this company or received any correspondence from them. I then spoke with utility companies located on the report. Utility company advised me on what actions to take. Radius Global Solutions then reposted the debt on my credit report as valid. Once again I've never spoken or received any correspondence from them.

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 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : XXXX XX/XX/year> Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Re : Debt Validation Request Account Number : XXXX To Whom It May Concern, I am writing in response to a debt that appears on my credit report under your companys name. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges.

The name and address of the original creditor.

Copies of any documents bearing my signature that show I agreed to assume responsibility for this debt.

Proof that your company has the legal authority to collect this debt.

Documentation showing that the debt is within the applicable statute of limitations.

Verification that the information being reported to the credit bureaus is accurate and complete.

Until this information is provided, I dispute the validity of this debt in its entirety. During this validation period, please cease all collection activity and refrain from reporting or updating this account with any credit reporting agency.

If you are unable to provide proper validation, I request that this account be removed from my credit reports and that I be notified in writing. 

This letter is not a refusal to pay, but a request for verification of the alleged debt. Please communicate with me in writing only. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
Original creditor Net Credit refuse stated account sold to XXXX XXXX. Once contacted only want to settle for amount of original loan. The loan had been refinanced through net credit for different amount. Each year since XXXX after disputing through XXXX XXXX XXXX XXXX XXXX reset date as if the collation just occurred and my credit score has dropped 40 and XXXX reset drop it another 43 point as if XXXX. This deceptive practice has harmed me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Personal information incorrect
Company: MOHELA
State: NJ

Complaint narrative:
The school loan was transferred to Mohela without my consent. I did not sign any contract with Mohela on the school loan.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint regarding Chases denial of reimbursement for an unauthorized electronic funds transfer made through XXXX from my checking account. 

On XX/XX/year>, a XXXX transfer of {$2000.00} was sent to an unknown recipient whom I have never sent money to before. I did not authorize this transaction. 

At the time of the transfer, my mobile phone was physically accessed by a third party without my consent while independent contractors were present in my home. The Chase app had been previously opened, but I did not initiate, approve, or consent to the XXXX transaction, nor did I give anyone permission to do so. 

Chase denied my claim, stating that Face ID was used. This conclusion is incorrect and insufficient. Face ID was only used to unlock the XXXX app earlier and does not constitute authorization of a XXXX payment. Authorization requires my intent and consent, neither of which were present.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have been a victim of identity theft since XXXX. Upon investigation through out the years, weve concluded my identity was being bought, sold & traded without my consent through major XXXX websites for thieves to use. This has affected my life drastically, left with debt from credit cards, banks, leasing cars, leasing apartments, leasing phone services and even employment. Each time I realize it the occurrence, I have filed disputes and police reports for Illinois ( XXXX XXXX ) & Florida ( XXXX XXXX ) because these are the XXXX common states the events of my identity being stolen has occurred. Im begging CFPB to please help me resolve this matter asap. I have also submitted complaint to XXXX & credit bureaus as well. No change has occurred yet. I have police reports, proof of identification and address as well which were all submitted to XXXX & credit bureaus. 

I have reported these current events : XXXX XXXXXXXX XXXX - amount {$860.00}, closed XX/XX/XXXX. Result : I filed dispute & included police report, identity, & proof of address US bank - amount {$470.00}, XX/XX/XXXX. Result : I filed dispute & included police report, identity & proof of address XXXX XXXX  ( XXXX XXXX XXXX  ) -amount {$2400.00}, opened XXXX result : I filed dispute & included police report, identification & proof of address. 

XXXX XXXX XXXX XXXX opened XXXX result : I filed dispute & included police report, identification & proof of address. 

XXXX XXXXXXXX XXXX ( XXXX ) - amount {$720.00} opened XXXX. Result : filed dispute & included police report, identification & proof of address. 

XXXX XXXX XXXX ( XXXX ) amount {$740.00}. Result : filed dispute

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 2026-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
CFPB Complaint Statement Cease and Desist Request I am submitting this complaint to request that the debt collectors listed on my TransUnion credit report immediately cease all communication with me under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Their contact is unwanted and is causing stress and hardship. All phone calls, texts, emails, letters, workplace contact, and third-party contact must stop except for notices permitted by law. 
The collection accounts appearing on my TransUnion report include : XXXX XXXX XXXX XXXX | Balance : {$1900.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ), Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX | Balance : {$990.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | Balance : {$220.00} I am exercising my federal right to stop communication. If these companies believe they have a lawful reason to contact me, communication must be limited to the required legal notices only. 
I am requesting CFPB assistance to ensure these debt collectors comply with my cease-communication request and with all consumer protection laws. This complaint is not an admission that any alleged debt is valid, and I reserve all rights.

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 2026-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
CFPB Complaint Statement Cease and Desist Request I am submitting this complaint to request that the debt collectors listed on my TransUnion credit report immediately cease all communication with me under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Their contact is unwanted and is causing stress and hardship. All phone calls, texts, emails, letters, workplace contact, and third-party contact must stop except for notices permitted by law. 
The collection accounts appearing on my TransUnion report include : XXXX XXXX XXXX XXXX | Balance : {$1900.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ), Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX | Balance : {$990.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | Balance : {$220.00} I am exercising my federal right to stop communication. If these companies believe they have a lawful reason to contact me, communication must be limited to the required legal notices only. 
I am requesting CFPB assistance to ensure these debt collectors comply with my cease-communication request and with all consumer protection laws. This complaint is not an admission that any alleged debt is valid, and I reserve all rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My Ally Auto finance account is displaying that my overall account on Equifax credit bureau said that the account is closed but paid as agreed as of today XX/XX/XXXX after trying to correct it with XXXX over the phone many months ago. I also applied for a Graduate School Plus Loan in the year XXXX and got denied because of Ally Auto payment errors reported on my XXXX XXXX XXXX, and I had to submit alternative documentation from Ally Auto and not XXXX because XXXX would not provide me the documentation saying that I make on time payments to Ally Auto after my car repossession got reinstated. I think I am a victim of identity theft and perhaps XXXX XXXX schemes due to financial abuse that is common for XXXX XXXX because of Ally Autos incorrect payment reporting to XXXX XXXX XXXX and XXXX failure to correct my Ally Auto credit report labeled from closed to open many months ago, and I got denied my Graduate Plus loan because of it. I eventually got my XXXX XXXX loan approved by federal student aid when I submitted my Ally Auto payment statement to federal student aid many months ago. I strongly believe that some XXXX dealership has made copies of my key fobs and I have never lost either of XXXX my key fobs that were originally issued to me, and I never loaned my key fobs to anyone XXXX XXXX my car. I called XXXX multiple times on my phone listed on this account about suspicious activity surrounding my car being accessed by potentially duplicated keys.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: NV

Complaint narrative:
I just got a phone call telling me they are XXXX XXXX XXXXXXXX that I had made 3 transactions in the last hour that I explained I fif not know I even got the bank account I never received a card I also moved from that address 2, yrs ago so who ever lived there now is who got my info thru then say to me they are going to approve these transactions so I started to say I was reporting them and I hung up and contacted you guys ASAP

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