vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to transfer cryptocurrency held in my XXXX account into my XXXX wallet. During this process, I received a notice stating that I needed to upload a copy of my Social Security card for identity verification. I immediately attempted to comply with this request by uploading my Social Security card. However, each time I attempted to upload the document, I received an error message indicating that the upload could not be completed and that I should try again later. I made multiple attempts on XX/XX/XXXX and XX/XX/year>, but continued to receive the same error. After being unable to complete the verification process, I contacted XXXX customer support. During my initial call, I was informed that someone would contact me within 24 hours regarding the issue. No follow-up communication was received. On XX/XX/year>, I contacted XXXX again to inquire about the status of my account and my inaccessible cryptocurrency funds. I was advised that the issue had been escalated to the engineering department and that it should be resolved within one to three business days. After that timeframe passed without resolution, I contacted XXXX again. During that conversation, I was instructed to email a copy of my Social Security card so that it could be manually reviewed and uploaded. I complied with that request immediately and was advised that resolution could take anywhere from 30 minutes to three days. The following day, I contacted XXXX once more because the issue remained unresolved. At that time, I was informed that the estimated resolution period had changed to three to five business days. As of XX/XX/year>, I still have not been provided with a resolution, a firm timeline for resolution, or any meaningful explanation regarding why I can not access my cryptocurrency funds. My assets remain inaccessible despite my repeated efforts to comply with all identity verification requests and despite multiple contacts with customer support. This delay has caused significant financial hardship. I have incurred late fees and have been unable to timely pay personal obligations and business-related expenses because funds that belong to me remain inaccessible. I have made numerous good-faith efforts to resolve this matter directly with XXXX, but I continue to receive inconsistent information and shifting timelines without any definitive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2025, I purchased and activated a Vanilla XXXX prepaid gift card for {$490.00} at XXXX , in Texas. I retained my purchase receipt and had possession of the card. On XX/XX/2025, the card balance was depleted through multiple XXXX transactions in XXXX, Texas totaling {$480.00}. I did not make, authorize, or benefit from these transactions. After discovering the unauthorized transactions, I opened dispute case number XXXX with InComm XXXX XXXX and provided the requested documentation. InComm denied my claim on XX/XX/2025. I subsequently filed a XXXX XXXX XXXX complaint. During the XXXX process, InComm stated that it conducted a second-level review but again denied my claim. However, InComm has not provided the evidence or investigation findings used to conclude that the transactions were authorized. I requested information including : * What evidence supports the denial of my claim. * Whether the physical card was used. * Whether the card was added to a digital wallet or tokenized account. * What investigation findings led to the conclusion that the transactions were authorized. InComm did not provide this information and simply repeated that it was upholding its prior decision. I am requesting reimbursement of the unauthorized transactions totaling {$480.00} or a detailed explanation and supporting evidence for the denial of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account reported under my name is unfamiliar and unsupported by any documentation in my possession.

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 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for the GM credit card on XX/XX/year>, in connection with a XXXX vehicle lease that included a {$500.00} rebate for card applicants. My application was not denied based on credit. Instead, I was informed that additional identity verification was required. Over the following 45 days, I repeatedly submitted the requested documentation, including my driver 's license and Social Security card, by fax and mail. Each submission resulted in extended delays, inconsistent requests for additional documents, or claims that previously accepted documents were unreadable. Throughout this process, I made numerous attempts to obtain assistance. All of the representatives were offshore and lacked the knowledge to assist. No representative was able to provide meaningful information regarding the status of my application or a clear explanation of what documentation was required. As a result of these delays and failures in communication, the rebate program expired before my application could be processed. I timely applied for the card and promptly responded to every request for information. The loss of the {$500.00} rebate was caused by the prolonged and unreasonable handling of my identity verification process. Accordingly, I demand payment of {$500.00} within 15 days of receipt of this letter. If this matter can not be resolved, I will pursue all available remedies, including complaints to regulatory agencies and legal action as appropriate

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 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
I told a loan out on XX/XX/year> for {$500.00} with and interest of {$110.00} once a month. Due to a scam to my bank account Im unable to pay the whole amount. I been unable to get the company to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
I am disputing the alleged debt reported by Spring Oak Capital in the amount of {$420.00}. This account does not belong to me, and I do not recognize or owe this debt. I requested that the company provide evidence that I am legally responsible for this account, but no sufficient documentation or proof of the debt has been provided. I am requesting that the account be investigated and removed from my credit report if the company can not validate that the debt is mine in accordance with Fair Credit Reporting Act and Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I bought XXXX. They never disclosed there was a hold on it. On customer support said XXXX hours. Another said XXXX business days. After that cleared I sold my crypto. I tried to instant transfer my money to my bank account. They refused. I contacted customer service. They refused to help and refused to give me to information for their legal department. I have yet to receive my money that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OK

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 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: Omnipoint Capital
State: GA

Complaint narrative:
As Im making payments this company started having people call me harassing me and family/people that Im not even related to.the even have outside parties calling harassing my family members.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: AK

Complaint narrative:
Robinhood Financial LLC permanently closed my brokerage account and liquidated my assets. They mailed me a corporate check drawn on XXXX XXXX XXXX in the amount of {$920.00}. The check is now expired ( past XXXX days ). I reached out to Robinhood support to request a simple check reissuance of my own legal funds. Robinhood Support replied under XXXX ID : XXXX stating they will no longer support me as a customer, refused to reissue the check, and effectively cut off all communication. Robinhood is currently withholding {$920.00} of my personal funds from a liquidated account, which is a direct violation of financial industry regulations regarding client asset protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I have sent all of the following information and documented proof to CitiBank and yet they still won't refund my money. Here is the full account of what happened : I placed an order for a branded XXXX tent canopy from XXXX XXXXXXXX XXXX XXXX XXXX XXXX based in XXXX, CA on XX/XX/year>. I expressed hesitancy in my very first email since it looks like this product was a relatively new addition to their current line of products. I sent them pictures to use for the canopy on XX/XX/year>. XXXX, on XX/XX/year> sent over a very low-quality mock-up preview ( low resolution, very blurry ) to which I responded on XX/XX/year> that I didn't approve of the mock-up as the quality was blurry and had errors. I followed up again on XX/XX/year> as I had not heard anything from the company. XXXX responded on XX/XX/year> to apologize for the delay and sent better quality images but still with errors. On XX/XX/year> I responded saying there were still the same errors from the first version that I would like fixed. Followed up on XX/XX/year> asking what is going on with my order. NO response. Followed up again on XX/XX/year> to ask what is going on. NO response. The company waited out the clock and has not responded to me via email, texts, voicemails ( they won't respond to my voicemails or even pick up the phone when my number calls ), nor via any of their social media accounts. I disputed the charge with my CitiBank credit card, a new card that I received after XXXX XXXX account holders were all transferred over to CitiBank. I attached the same proofs that clearly show no one is responding to me, nor is there any record of an order being shipped, tracking, etc. Citibank without any supporting cause decided that I was responsible for the charge. I called back expressing how unfair and incorrect this decision was as there should be no logical reason why the company that scammed me isn't at fault. The first CitiBank customer service representative told me they would reopen the dispute. I waited over XXXX business days but there was still no sign of the dispute being reopened. I called back today on XX/XX/year> to find out they never reopened the dispute and they told me I would need to send a letter at this point to their headquarters because the dispute started before they mailed me my new CitiBank card ( instead of the XXXX XXXX ). PLEASE let a human look at my supporting documents and you can see I'm clearly being scammed by this company who won't even respond or acknowledge what they've done. I would love to hear what they have to say about this.

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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding a Regional Acceptance auto loan account that continues to be reported inconsistently despite multiple disputes through the credit bureaus. This account is associated with a bankruptcy matter involving the primary borrower. I have disputed the reporting multiple times, yet Regional Acceptance continues to verify information that is materially inconsistent across the national consumer reporting agencies. For the same account, XXXX reports the account as Paid and Current, while XXXX and XXXX report the account as Open and 90 Days Late. The account also reflects terminated responsibility status, yet continues to report conflicting account statuses, payment statuses, activity dates, and payment histories across the bureaus. I have attempted to obtain clarification regarding the account 's status and reporting. However, I have received conflicting information and have been unable to obtain a clear explanation regarding liability, account status, and how this account should be reported. Because Regional Acceptance has continued to verify this information after multiple disputes, I am requesting a thorough investigation into the accuracy and completeness of the information being furnished to the credit bureaus.

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 2026-06-08 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: MD

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We are is a registered XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We opened a business checking account with Chase Bank in XX/XX/year>. In XX/XX/year>, Chase closed the account, citing " suspicious activity, '' and retained {$920.00} belonging to our organization. We immediately worked with Chase 's Operations Loss Prevention department to recover the funds. We were instructed to have the vendor recall the check, but the vendor was unable to do so because Chase had already deposited it. Since then, I have had numerous conversations and email correspondence with the manager of the branch where the account was opened, but no resolution has been provided. It has now been over eight months, and Chase continues to hold our funds without explanation or reimbursement. As a small XXXX XXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX these funds are important to our mission and operations. I am requesting the CFPB 's assistance in obtaining a resolution and the return of the {$920.00} owed to our organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Someone applied for a credit card using my information, they used my SSN and information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc.
State: NY

Complaint narrative:
URGENT : Co-Signer Credit Reporting Dispute Causing Immediate Financial Emergency I am filing this high-priority complaint against Aqua Finance , Inc. regarding unfair late payment reporting. I am a co-signer on this boat loan. This negative reporting has severely damaged my personal credit score, resulting in an active loan denial and creating an immediate financial emergency for me. I am currently in jeopardy of losing a time-sensitive financial transaction due to these marks. While a payment may have been inadvertently missed by the primary borrower, I am a co-signer who was not properly notified of the delinquency before it hit my credit report. This account otherwise maintains a strong payment history. Because of the severe and immediate financial harm this is causing me as a co-signer, I request that Aqua Finance immediately issue a Tradeline Deletion or a Letter of Correction to the credit bureaus ( XXXX XXXX XXXX XXXX ) so that my current lender can process an emergency Rapid Rescore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC
State: OR

Complaint narrative:
I signed a contract with XXXX XXXX XXXX on XX/XX/year> and financed it through a GreenSky loan. I canceled the contract within 24 hours of signing. No work has started and no materials have been delivered. I called XXXX XXXX XXXX immediately and received a cancellation confirmation number via phone : XXXX on XX/XX/year> but no written confirmation was provided so far. They told me someone would call me within 48 hours to explain how they would return the GreenSky disbursement of {$8700.00}. No one ever contacted me till now. I contacted GreenSky via email and phone and informed them of the cancellation on XX/XX/year>. GreenSky froze the loan but told me they can not reverse the disbursement or close the loan until the contractor returns the funds. I called GreenSky on XX/XX/year> to follow up for reversing the disbursement but they told me nothing they can do other than waiting for the contractor to do the refund. The contractor has been unresponsive despite multiple attempts to reach them via email and phone.I requested confirmation of my cancellation, the refund process, and when the contractor would return the disbursement. I also requested the promised 48hour callback, but I received no response. I am now stuck with a loan for services that were never performed and materials that were never delivered. I am requesting that GreenSky reverse the disbursement and close the loan since the contractor is nonresponsive and no work was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Global Asset Agency, Inc.
State: FL

Complaint narrative:
I called a harassment attorney looked up number said it was a scam calling and making threats asked for a validation letter they hung up.

Company response to consumer: Untimely response