vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX, XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service XXXX XXXX Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the 180-day hold period ends. Timeline : Account permanently limited on XX/XX/XXXX. XXXX is {$24000.00}. On XX/XX/XXXX, PayPal emailed threatening to clear funds. The 180-day hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$24000.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/year> To : Comenity Bank and Bread Financial Subject : Formal Notice Identity Theft Victim and Demand for Removal from Internal Records To Whom It May Concern, I am writing to formally notify your institution that I have never opened, authorized, or maintained any account with Comenity Bank or Bread Financial. Despite this fact, I have been made aware that my personal information appears to be associated with records within your system. I would like to reiterate that I have previously contacted your institution on multiple occasions to inform you that I have been a victim of identity theft in the past. Any account that may have been opened using my personal identifying information was done without my knowledge, authorization, or consent. Because I did not open or benefit from any account with your institution, I dispute any association between myself and any alleged account activity. I request that your organization conduct an immediate review of your records and remove my name, Social Security number, and any related personal identifying information from your internal systems and restricted account lists. Furthermore, I request written confirmation that this matter has been corrected and that I am no longer being associated with any account or internal restriction with your institution. Please be advised that if this matter is not resolved promptly, and if my name continues to be improperly associated with your institution preventing me from obtaining services, I will have no choice but to pursue all available legal remedies, including but not limited to filing formal complaints and pursuing litigation under applicable federal consumer protection laws, including the * * Fair Credit Reporting Act and the * * Fair Debt Collection Practices Act where applicable. I expect this matter to be handled with urgency. Please provide written confirmation once the correction has been completed. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX, XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the 180-day hold period ends. Timeline : Account permanently limited on XX/XX/XXXX. XXXX is {$150.00}. On XX/XX/XXXX, PayPal emailed threatening to clear funds. The 180-day hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$150.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$40.00} from my credit card using the ATM cash advance feature. My card was declined at multiple ATM networks including XXXX XXXX, XXXX, XXXX, and XXXX. I contacted customer service several times the same evening. Representatives repeatedly told me that my account was active, that my cash advance limit was {$500.00}, and that my card had been reset. Despite these statements, every ATM transaction continued to be declined. Later during the chat with a customer relations supervisor, I was informed that the system showed no reset had actually been performed on my card on XX/XX/year>, which contradicts what earlier representatives told me. I asked for an explanation for why my card was being declined and requested contact information for XXXX corporate or escalation department so the issue could be addressed. I was not provided a clear explanation for the declines and was told they did not have direct contact information and could only arrange a callback within 24 hours. As a result, I spent several hours attempting to resolve the issue, received conflicting information from multiple representatives, and was unable to access the cash advance feature on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 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: NJ

Complaint narrative:
XXXX XXXX : XXXX I am requesting that this complaint be reopened immediately. My original complaint clearly asked for transparency, accountability, and a specific explanation regarding the closure of my Cash App account. Cash App closed my account without providing any clear explanation or evidence of a violation. I have repeatedly attempted to resolve this through Cash Apps internal appeal process, but I have not received a meaningful response or any clarification about why my account was closed. My account has only been used for personal transactions between friends and family, including shared expenses for family events, trips, dinners, and other normal household-related activities. I do not use Cash App for business purposes, selling goods, or receiving payments from unknown individuals. All activity on my account is legitimate and tied to people I know personally. Despite this, Cash App has not provided any specific details regarding the alleged violation. They have not identified a transaction date, transaction amount, or any activity that supposedly violated their policies. I also did not receive any prior warning or notification indicating that my account activity may have been in violation of their terms. The lack of transparency makes it impossible for me to understand the basis of their decision or determine whether any alleged issue can be corrected. Through this complaint, I am requesting the following : XXXX. A clear explanation of why my account was closed XXXX. Identification of the specific transaction or activity that allegedly violated their policy XXXX. A formal review of the account closure decision XXXX. Reinstatement of my account or the release of any remaining funds associated with it I am fully willing to provide any documentation necessary to verify my identity or account activity. I am simply requesting a fair review and a clear explanation for the actions taken on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: DC

Complaint narrative:
Cash App Closed my account due to Suspected fraud in my account and was trying to see if I can take that off so I can remake me an account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P.
State: AL

Complaint narrative:
I opened a line of credit with XXXX XXXX on XX/XX/XXXX and received a {$1000.00} advance. At the time of opening, I was not provided a copy of the agreement or disclosures. I repaid {$1000.00} on XX/XX/XXXX, believing this fully paid off the balance. After this payment, the company continued to withdraw money from my bank account without clear explanation. They withdrew {$120.00} on XX/XX/XXXX and {$74.00} on XX/XX/XXXX. On XX/XX/XXXX, a new {$10.00} fee appeared even though I had already paid the balance. Beginning on XX/XX/XXXX, I repeatedly requested written explanations of the charges, a breakdown of my balance, and documentation of the agreement I supposedly signed. The company refused to provide clear written information and repeatedly insisted on phone calls instead. They did not provide the agreement until XX/XX/XXXX, months after the account was opened and only after multiple written requests. I requested account closure on XX/XX/XXXX and revoked ACH/debit authorization on XX/XX/XXXX. The company delayed closing the account and continued assessing fees until the end of the billing cycle, despite my written requests. Their communication was unclear, evasive, and did not address my questions. I am filing this complaint because the company failed to provide required disclosures at account opening, continued charging fees after I paid the balance, ignored written requests for information, and delayed account closure. Their practices were confusing, misleading, and caused unauthorized or unexpected withdrawals from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding a {$790.00} payment sent through Cash App that was obtained as part of a telecommunications impersonation scam. On XX/XX/year>, I called XXXX by dialing XXXX because my phone service had been disconnected due to nonpayment. During that call the connection dropped. Shortly afterward I received a text message appearing to come from XXXX stating that a representative would call me back. I then received a call from phone number XXXX from an individual claiming to be XXXX support. During that call my phone service was restored. The following day, XX/XX/XXXX, the same individual contacted me and stated that a company associated with a XXXX discount program had already paid my XXXX bill to restore service and that I needed to reimburse them. Before making any payment, I checked my XXXX account and confirmed that a payment had been applied, which led me to believe the situation was legitimate. I then received an invoice for {$790.00} from a company listed as XXXX XXXX XXXX through a Square invoice link. Believing this payment was related to my XXXX bill, I sent the payment through Cash App. The invoice was generated through Square, a payment platform operated by Block , Inc., and the payment was sent using Cash App. On XX/XX/year>, after reviewing the XXXX account balance, I contacted XXXX and learned that payments previously applied to my account had been reversed because they were fraudulent XXXX transfers. XXXX XXXX showed payments of {$830.00} ( XXXX ) and {$650.00} ( XXXX ) that were later canceled. This confirmed that the individual had manipulated my XXXX account using fraudulent payments to make the situation appear legitimate before requesting reimbursement. After discovering the fraud, I immediately reported the transaction to Cash App and submitted a dispute and appeal requesting a refund. Despite providing documentation showing that the payment was obtained through impersonation and deception, Cash App denied the dispute and stated that their decision was final. The payment was not for any legitimate goods or services. It was obtained through a scam involving impersonation, fraudulent payment activity, and deception. I am requesting that Cash App reopen the investigation and refund the {$790.00} transaction. Since discovering and reporting the fraud, the individual impersonating a XXXX representative has continued attempting to contact me from the same phone number ( XXXX ). These calls were not answered and have been documented as part of the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CT

Complaint narrative:
I am filing this complaint regarding unauthorized transactions made with my Cash App debit card. these charges started on XX/XX/year> and are still continuing through XX/XX/year>, my account has been repeatedly charged for purchases from XXXX that I did not authorize or make. These transactions have totaled several XXXX dollars and sometimes occurred multiple times in a single day. I did not place these orders and did not give anyone permission to use my card. XXXX confirmed that they can not dispute the charges and instructed me to file a dispute through Cash App. When I contacted Cash App, they stated that the investigation process could take up to 45 days and refused to provide provisional credit for the funds that were taken from my account. This is concerning because the transactions were clearly unauthorized and my card was used without a PIN or any verification. I use my Cash App account frequently and maintain funds in the account for daily use. Because of this, I did not immediately notice the unauthorized transactions, which continued for over a month. Because these transactions were unauthorized, it is difficult for me to provide proof that I did not make them. I was not the person who placed the orders and so the only evidence available is the pattern of repeated charges that I did not authorize by putting in my pin.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer XXXX XXXX XXXX Complaint XXXX XXXX : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the XXXX hold period ends. XXXX : Account permanently limited on XX/XX/XXXX. XXXX is {$2500.00}. On XX/XX/XXXX, XXXX emailed threatening to clear funds. The XXXX hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$2500.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
Subject : Complaint regarding uncollected funds from a closed checking account and bank negligence. I am filing this complaint to recover {$8000.00} from a closed account at Citibank. Despite my diligent and timely notifications, the bank has failed to return my funds due to internal mismanagement, broken promises by branch personnel, and extreme administrative delays. Timeline and Actions Taken : - XX/XX/XXXX : The bank issued a closeout check ( No. ending in XXXX ). - XX/XX/XXXX : I notified the bank that the check was not received. XXXX XXXX was opened. - XX/XX/XXXX : Customer Service informed me -after several follow up calls- that the check had been cashed by a third party named " XXXX. XXXX At this point, the bank was already aware that the funds had been paid to an unauthorized individual. - XX/XX/XXXX : I visited a branch in person -I do not live in the XXXX and visited to take direct action in my case- and signed an Affidavit of Forgery as requested. The bank executive ( XXXX XXXX ) assured me that a replacement check would be issued within weeks. This never occurred. - XXXX - XX/XX/XXXX : I proactively followed up via email and branch visits. The case was transferred from XXXX XXXX to the Branch Manager ( XXXX XXXX ) and eventually elevated to the Area VP ( XXXX XXXX ). - XXXX -XXXX XXXX : After nearly XXXX years of following the banks instructions, I was informed the claim was being denied. At this stage, the Citi Executive Response Unit took over the correspondence and on XX/XX/XXXX send me a communication stating that the bank of fist deposit denied the claim in XX/XX/XXXX because at that time the timeframe to dispute altered checks had expired. Legal Basis for Complaint : Improper Payment : Under UCC 4-401, the bank is liable for paying an item that was not " properly payable. '' The bank admitted openly as early as XX/XX/XXXX that the payee was a stranger. Broken Agreement : The banks representative committed to a resolution and a replacement check in XX/XX/XXXX. The banks failure to honor this internal decision is a breach of their duty of care. Invalid Defense : The bank now claims a " timeframe has expired. '' This is unacceptable, as the delay was caused by the banks own 18-month internal process. Lack of Transparency : The bank only recently disclosed the involvement of a third-party institution, attempting to shift liability for their own administrative failure. Desired Resolution : Immediate reimbursement of the {$8000.00}. The bank has a recorded history of my timely claim and their own failure to deliver the replacement check promised in late XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/year> I try to pay off my XXXX XXXX account with my money I have on cash app account 5 different times and cash XXXX decline the payment. Saying it was security purposes and cash app said that they do not have further information to provide. And cash app is not letting me use or get any of my {$4700.00} that's on my cash app account. Cash app is not giving me any information on my cash I have on my cash app account. I'm trying to pay off my XXXX XXXX loan so I can get my title back for my truck and to keep me from having to pay {$1100.00} daily on a XXXX interest on a {$1800.00} loan and cash app holding my money for nothing and is costing me more money every day because cash app is refusing to let me use my money that's on my cash app account. I have already made XXXX payments using my cash app account to XXXX XXXX and didn't have any trouble doing so. So, it does not make any sense for cash app to decline the payment. And now cash app is not letting me get my money off of my cash app account at all. I ask cash app on several occasions how much money can I withdraw out of cash app ATM at one time. Cash app customer service would not tell me, and I had to ask for 2 hours how much money I can withdraw in a day and after 2 hours of doing so cash app customer service finally said a {$1000.00} total per day a {$1000.00} total per week. I wasted 2 hours or more trying to get cash app customer service to tell me what I could withdraw. All the cash app customer service would tell me is review the info. and was rude as can be. After going to a cash app ATM, the ATM told me I could only withdraw {$20.00} to {$250.00}. So, I call cash app customer service and the only thing the first one did was hung up on me. I call back and the next cash app customer service would do is over talk me and never would tell me why I could not withdraw the {$1000.00} like I was told I could. Then the customer service told me my cash app account was not active. And then another cash app customer service name XXXX would not answer any questions I ask of him and told me to review the answer and he already answered it. That all he kept saying not answering anything I ask. And then he started making fun of me saying I can not withdraw any of my funds and that he was trying to steal my funds. He was rude and a XXXX. So, I had to transfer all of my money to my niece cash app card because I didn't have any other options. Now I still don't have access to my money, and I still have to figure out how I'm going to get my money. And cash app is causing me to take a chance on me losing all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX Zelle scam {$800.00}. Someone contacted me using my family member 's XXXX XXXX account that apparently has been hacked and requested assistance this a Zelle transaction. Impostor provided Zelle account holder name : " XXXX XXXX XXXX '' as the person providing services to my impostor family member. money was sent. they where able to answer a messenger videocall but it apparently had bandwidth issues and dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am disputing an alleged debt of {$820.00} being collected by Transworld Systems Inc. on behalf of XXXX XXXX. The balance appears to be related to equipment ; however, I returned the equipment approximately 20 days after receiving it. Because the equipment was returned, I do not believe this balance is valid. Despite this, the account has been referred to collections. I am requesting that XXXX XXXX investigate their equipment return records and provide documentation showing whether the returned equipment was received and processed. If the equipment was returned, this debt should not exist and must be removed immediately. I also request verification of the alleged balance, including an itemized statement, equipment serial numbers, and proof that Transworld Systems Inc. has authority to collect this debt. Until validation is provided, I dispute this account and request that all collection activity cease. If the account has been reported to any credit bureau, it must be marked as disputed during the investigation.

Company response to consumer: Closed with explanation