vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 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: MI

Complaint narrative:
A hacker gained access to my paypal account and sent themselves money from a bank account I had linked, as well as changed the password, set up a 2-factor authentication, changed the primary number linked to the account, and attempted to make another transfer. Paypal refuses to remove the phone number that the hacker added, or erase the 2-factor authentication they set up to try and prevent me from stopping them from taking even more of my money. After reporting the transaction, is received a response claiming that paypal didn't find sufficient evidence of unauthorized access to refund me what was stolen. They say that the IP was consistent with the activity on my account, even though after they provided me the IP of said activity I looked it up to find the IP location was in Alabama, even though I'm in michigan and have not left the state for over 30 years and never been to Alabama anyway. So they know full well that the IP is NOT in fact one that's ever been used to log into my account. After informing them of all of this, they then change what they used to deny the refund to " we don't cover friend and family transactions '', even though it was a hacker sending themselves money. They can see that it was an unknown person receiving money from my account for the first time, at the same time the IP from a different state gained access to the account and all security/login/contact information got changed quickly. these should all raise suspicions, yet they refuse to properly investigate, probably because they just don't want to lose the money which I had stolen. So by them making these decisions, they're not only allowing me to get my hard earned money stolen, but also letting a thieving hacker keep their account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IA

Complaint narrative:
I am disputing this XXXX account as inaccurate. The balance and/or account details being reported do not reflect accurate information. I am requesting full validation, including original billing statements, account history, and documentation supporting this debt. If this can not be properly verified, this account must be removed. I have disputed this to XXXX major credit reporting agencies such as XXXX XXXX, and XXXX, and it has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: TX

Complaint narrative:
I had told cash app that I had misplaced my phone when I had to rush my mom to the hospital and I didn't realize I did have my phone. So when I got a replacement phone I downloaded all of my apps. I realized money from my cash app was sent to a person I dont even know. When I told cash app they didn't try to help me or nothing they just closed my account. Out of all the times I used cash app I have never made a report till now. You cant verbally talk to a supervisor they only respond by email which isn't fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: MS

Complaint narrative:
My account is on hold and I can't verify my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to formally complain against Chime Financial Institution for not fulfilling their obligation. I received an offer of {$350.00} sign-up bonus associated with my new checking account. According to the offer terms, a {$350.00} bonus is awarded for making direct deposits of at least {$200.00} each month for three months, distributed in increments of {$100.00} for the first month, {$100.00} for the second month, and {$150.00} for the third month. I have met these requirements through the following deposits : XX/XX/XXXX - XX/XX/XXXX : {$180.00} - XX/XX/XXXX : {$110.00} - XX/XX/XXXX : {$200.00} XX/XX/XXXX - XX/XX/XXXX : {$100.00} - XX/XX/XXXX : {$240.00} - XX/XX/XXXX : {$140.00} - XX/XX/XXXX : {$270.00} XX/XX/XXXX - XX/XX/XXXX : {$140.00} - XX/XX/XXXX : {$120.00} - XX/XX/XXXX : {$240.00} - XX/XX/XXXX : {$290.00} XX/XX/XXXX - XX/XX/XXXX : {$280.00} - XX/XX/XXXX : {$320.00} - XX/XX/XXXX : {$110.00} - XX/XX/XXXX : {$320.00} Despite fulfilling these requirements and contacting customer service via phone, the issue remains unresolved. Chime offer attached. Your assistance in resolving this issue will be greatly appreciated. Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Related to Case - XXXX Evidence of Claim Predatory Lending / Breach of Contract What happened On XX/XX/XXXX, I was told I had to buy three add-on services to get the vehicle. I said I did not want them. I was told I could not leave with the car without them. So I signed the paperwork based on what I was told at the dealership. Why that matters If the services were really optional, I should have been told that on XX/XX/XXXX. Instead, I was told they were required. That means I did not knowingly agree to them as voluntary add-ons. Problem with the later document XXXX XXXX XXXX Notice shows a signature date of XX/XX/XXXX. I did not sign anything on XX/XX/XXXX and the validation signature trail shows Rev. 1 shows edited text in both Disclosure and the loan contract. Signed by XXXX XXXX United States , INC. BY XXXX. the document was created on XX/XX/XXXX and modified on XX/XX/XXXX, just XXXX days later. I was not contacted on XX/XX/XXXX. I did not review any new document on XX/XX/XXXX. I did not authorize anyone to sign anything for me on XX/XX/XXXX. What the documents show The XX/XX/XXXX document has system information that shows a normal document path : created through Transform Foundation Server tied to XXXX XXXX signed as part of the original transaction download to my computer on XX/XX/XXXX The XX/XX/XXXX document does not show that same kind of support. It does not show a clear audit trail like the XX/XX/XXXX document. It does not clearly show who signed it, how it was signed, or what device or session was used. It specifically states that text was altered in the screenshot provided. the same signature information, All of this supports my original assertion.. The falsification of my digital signature on that document, with additional text modification should have at least warranted and updated agreement being sent to me. I did not ask for copies until months later. So there was no reason to recreate or re-sign a voluntary notice just two days after closing. If the original signed documents were valid, they should have kept and produced the original version. There should have been no need for a second signing date on a document that was supposedly part of the same transaction. What this suggests It appears they either : failed to get my signature on that form on XX/XX/XXXX, or created the later document to make it look like I agreed the services were voluntary Either way, the XX/XX/XXXX document does not match what actually happened. I was told the services were required, not optional. There attempt to hide the true dating is clear evidence of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I discovered that a {$9900.00} debit was pending on my Citibank checking account. The funds were designated to a credit card, not my credit card but that of an account set up through XXXX XXXX XXXX XXXX XXXX This charge was still pending, and since it was only a few hours old in my account, the bank could have easily reversed it and restored the funds. They did not. Instead, they held my funds for ten days while they conducted an " investigation ''. The results of which were never shared with me. I reported this to CFPB case # XXXX. These funds were finally restored to my account. However, on XX/XX/XXXX, I discovered two more debits from my account from a similar fraudulent account, this time each for XXXX. I immediately contacted the bank since this was still pending, it was early in the process, and it could have been reversed. As of this writing the funds have still not been restored to my account. I contacted the bank, and after a number of prolonged discussions with bank employees who were aparently incompetent to handle fraud matters, giving me all sorts of misinformation, I finally located an employee at the bank named XXXX, who understood where this fraud was originating from and showed me how a fraudster had set up an automatic payment embedded in my account to steal funds. The bank would have known this because they had conducted an investigation and did not inform me that these debits were still scheduled in my account by this bad actor and would be deducted on a future date. As a result of the bank 's mismanagement of fraud, I became a victim a second time, and this could have been prevented by removing the fraudulent charges from my account before their scheduled dates, which I was unaware of. These funds have not been restored to my account yet, and they should have been restored immediately. I have informed the Attorney General of New York of Citibank 's failure to adequately manage fraud by failing to inform its customers of the necessary details of its investigations to prevent future victimization. I still have not had my money returned by the bank, which, in my opinion, should have been returned immediately. My conclusion here is that Citibank is a completely irresponsible, unreliable, and incompetent manager of its customers ' accounts when it comes to fraud. Please help me get my money back from Citibank. XXXX 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 monetary relief
Consumer complaint received 2026-04-11 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: CA

Complaint narrative:
I am filing a complaint regarding a missing refund of {$270.00} processed through PayPal. PayPal states that the refund was completed on XX/XX/year>, and sent to my bank account ending in XXXX. They advised the funds should has arrived and that some banks may take up to 30 days. It has now been well over 30 days, and I have not received the funds in my XXXX XXXX XXXX account. PayPal indicates the refund was sent but has not provided sufficient proof that the funds were successfully transferred or received by my bank since my bank account does not show any refund deposit from PayPal. This issue has caused financial inconvenience, and I am requesting prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: SC

Complaint narrative:
I had a prepaid card deposit account with Netspend Right before I was due to receive my federal taxes NetSpend upgraded my account without my consent and sent a new debit card so from there I have had no access to where my refund is I do have a paper trail of conversations and proof that that's where I wanted my direct deposit to go they have blocked me from that account so I can't even log in and when I call them they tried to make it seems as though none of this never existed when in fact I have the information the amount that is due to me is I believe like {$3600.00} in all I could be wrong don't quote me on that but I'm having a financial hardship I have several XXXX I am waiting for my XXXX funds to get approved every month I am faced with disconnection of this from my utility companies because I can not work I was just going through a financial hardship and they have put me on the back burner and I really need my money I am facing eviction and utility shut off notices I really need some help. On my text transcript it shows it was sent I also have some other information that it was sent to XXXX XXXX it just has everything all out of place and all out of whack. But before I came XXXX I worked hard for my money so I deserve my money I've shared my dues and did my time and put in my money I shouldn't have to go through all this just to receive my funds

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 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> [ Debt Collector Name ] [ Address ] [ City, XXXX, ZIP Code ] Subject : Cease & Desist/ Debt Validation Demand - Violations of the FDCPA & FCRA Account # [ Account Number ] To Whom It May Concern, I am writing this letter to serve as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you CEASE AND DESIST all forms of communication with me regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue actions on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( A ) ). Please provide the following : 1. The original signed contract or application bearing my signature showing liability for this debt. 2. The complete chain of the title or assignment of debt, including transfers and dates from the original creditor to your agency. 3. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt. 4.Your debt collector license number and the state ( s ) in which you are licensed to collect. 5. Your surety bond information as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and you must cease all collection activities and reporting of this debt. If this debt is being reported to any credit reporting agency, please note that reporting unverified information may constitute a violation of the Fair Credit Reporting Act. Please respond to this request within the time required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
A total of approximately XXXX XXXX worth of cryptocurrency, held on an Ethereum-based network [ Crypto.com XXXX wallet ] was removed from my wallet without my authorization. I did not approve the withdrawal, did not share my private keys, seed phrase, passwords, or verification codes, and did not grant access to any third party. Additionally, when I downloaded the app, I enabled 2FAwhich never triggered nor I got any notification about the withdrawal or transfer. I was shocked to see the wallet empty. Upon reporting this incident to Crypto.com support, I was only provided with a transaction hash and a destination wallet address. Crypto.com failed to : Identify who initiated or benefited from the withdrawal Confirm whether the destination wallet was hosted, linked, or previously associated with Crypto.com or another XXXX Initiate or communicate any meaningful investigation Take steps to freeze, trace, or recover the funds The funds disappeared entirely, and the support chat was unable and unwilling to provide accountability, remediation, or protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SG and Associates
State: NC

Complaint narrative:
In 2022, I entered into a rental agreement with XXXX for electronic items. During that time, XXXX experienced a system outage that caused disruptions with my account, including delays in processing and account access issues. As a result, there was confusion regarding billing and the status of my order. Although I did receive the rented items ( XXXX XXXX XXXX and XXXX XXXX XXXX ), there were ongoing issues with account records and communication from XXXX following the outage. The last time I was contacted about this debt was in 2022 by a debt collector ( XXXX ), who quoted the amount as {$310.00}. After that time, I did not receive any further communication for several years. Recently, I was contacted by another collection agency, Stafford Group and Associates, who stated the debt had increased to {$510.00} and later offered a settlement amount of {$350.00}. During these interactions, I was told I would receive written documentation of the debt and agreement ; however, this documentation was not provided as promised. I am concerned about the accuracy and handling of this account due to : The significant time gap in communication ( 2022 until recently ) Changes in the alleged debt amount between collection agencies Lack of consistent written documentation Confusion caused by XXXX system outage and account issues at the time of the original transaction At this time, I am requesting full validation of the debt, including : Original XXXX agreement Itemized payment history Explanation of all balance changes Proof of assignment between collection agencies I am disputing the accuracy of the current amount and request that all communication be made in writing only until the matter is fully verified.

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 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This is a dispute regarding an inaccurate and unvalidated rental collection account from XXXX XXXX that is being reported by Columbia Debt Recovery. I have disputed this account multiple times due to incorrect and unverified charges, including water and sewer charges. These charges were previously promised to be removed in good faith following a prior XXXX complaint/response, but they were never removed or corrected. Instead, the balance has continued to increase each month on my credit report without any explanation or itemized breakdown. The original balance has now increased to {$12000.00} with no clear documentation showing how or why the balance has changed. Despite multiple disputes, the company has failed to properly validate the debt. They only provided a ledger, which does not include a full itemization of charges, does not explain the balance increases and does not address why the water/sewer charges were not removed as previously promised by property management. It also does not properly verify the accuracy of the debt. Additionally, payments were made through a court registry as ordered by the judge, along with a signed motion to stay requiring rent payments through the end of the lease term. These payments are not accurately reflected in the reported balance. As a result, this collection appears to have been reported inaccurately. Because of these issues, the information being reported is inaccurate, misleading, and incomplete. I am requesting full validation of the debt and removal of the account from my credit report due to failure to properly verify and correct the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I received a notice from my XXXX credit monitoring service that the collection agency Diversified Adjustment collecting on behalf of XXXX reported a collection account for {$720.00} or my credit reports. I was unaware and never advised by XXXX nor Diversified Adjustment that I had an open account with a balance owed. I was never giving proper, prior or any notice by XXXX that I had an open account with a balance owed, nor was I given notice that the account would and has been sent to a collection agency. I believe this account is fraudulent and may be subject to identity theft. I was never given proper or prior notice by Diversified Adjustment that an account with XXXX was transferred to them for collection and that I have the right to dispute the account and claim that a debt was owed. They have violated the Fair Credit Reporting Act FCRA. Like I advised this account may be fraudulent

Company response to consumer: Closed with explanation