vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 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: FL

Complaint narrative:
On XX/XX/year>, an unauthorized {$600.00} electronic fund transfer was initiated through my PayPal account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX The transaction occurred at approximately XXXX XXXX. I received notification and reported the transaction to PayPal as unauthorized at XXXX XXXX, within minutes of becoming aware of the activity. At XXXX XXXX, PayPal denied my claim. This means PayPal purportedly investigated and resolved an unauthorized electronic fund transfer claim in approximately nineteen minutes. Given the nature of account takeover investigations, it is not credible that a meaningful review of login history, IP addresses, device fingerprints, authentication activity, and account modification activity could reasonably be completed in such a short period of time. The timing strongly suggests the claim was automatically denied without a substantive investigation. Additionally, PayPal security notifications associated with this incident indicate that bank accounts were added and removed from my PayPal account around the time of the unauthorized transaction. I did not make these changes. These events strongly indicate unauthorized access to my account. I do not maintain a XXXX XXXX XXXX account and I do not participate in online gambling services. This transaction was not authorized by me in any way. The payment was initiated from my XXXX XXXX XXXX checking account. I reported the activity to PayPal immediately after receiving notification of the transaction. Despite my prompt report and the presence of clear indicators of possible account compromise, PayPal denied the claim within minutes and closed the case without conducting what appears to be a reasonable investigation. Under the Electronic Fund Transfer Act and Regulation E, financial institutions are required to properly investigate reports of unauthorized electronic fund transfers when consumers provide timely notice. My report was made within minutes of the transaction. I am requesting that PayPal conduct a proper investigation into this unauthorized electronic fund transfer, review all account access and modification activity associated with the transaction, and reverse the {$600.00} charge. I am also requesting clarification regarding PayPals investigative procedures when unauthorized electronic fund transfer claims are reported and how such a determination could reasonably be made within nineteen minutes of the report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I use Venmo on a regular basis to pay my rent. My husband and I also use it to transfer money to each other for bills etc. On XX/XX/year> my husband venmod me {$1900.00}. Which I then on the same date paid him back a balance of {$1100.00}. On the same day my husband then venmod me again an amount of {$1200.00}. We use XXXX XXXX to pay our rent, it is an option through our rental company to use. So on the XX/XX/year> XXXX took {$4.00} and {$810.00} for our rent which was an authorized purchase. This is all of the transactions in my Venmo account regarding this matter. I will be attaching screenshots below. Venmo is now saying I owe them a balance of {$1200.00} when I should have money left over in my account from these transactions and not owe a balance. My account is frozen and I can no longer access funds, or my account. After reaching out to venmos support team with no help or explanation to this matter besides telling me I must pay the money back - I have decided to reach further assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing a complaint regarding Capital One reporting XXXX XXXX day late payments on my credit report. I have contacted Capital One directly requesting these late payments be removed, but they have refused to correct the reporting. This negative reporting is causing harm to my credit profile and financial standing. I am requesting that Capital One remove the XXXX late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account was permanently limited while it still contained {$1900.00} in my balance. These funds were legitimate payments from approximately 10 companies I worked with as a content creator. On XX/XX/year>, PayPal removed the entire balance with a transaction labeled " Correction. '' I contacted PayPal support, but they did not provide any details explaining why this happened. I was never informed about any disputes or refund requests. PayPal has not told me which company requested a refund, which transactions were reversed, or whether these were chargebacks, refunds, or internal adjustments. I am requesting a clear explanation of why my account was closed and a full list of the transactions included in the {$1900.00} correction, including the names of the companies or senders involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
A debt collector contacted me by phone regarding an alleged debt connected to an account I previously had with Bank of America. During both calls, I requested written proof of the debt, including documentation showing that I owed the debt and an itemized record of the charges made on the account. This account was supposed to have been closed previously after fraudulent purchases were made using my debit and credit cards while I had accounts with Bank of America. Because of that history, I requested documentation verifying the debt before discussing payment. During my most recent call with the collector, I again requested that they send written documentation to my mailing address. I provided my address to them. However, the representative stated that they would not send any paperwork because I had previously asked them not to call me anymore. She said they would not send anything despite my request for written verification of the debt. I am requesting assistance to ensure the collector provides proper written validation of the debt and follows applicable debt collection laws. I would like the following documents sent to me XXXX. Debt validation letter XXXX. Original contract or agreement XXXX. Full payment history XXXX. Proof they owe this debt XXXX. Proof they are licensed to collect XXXX. Clear and in depth itemized breakdown

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 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
On XX/XX/year> my account was restricted with the sum of {$2000.00} for one month and later closed XX/XX/XXXX. I called them after I figured out my account was restricted and no reasonable explanation and I kept calling everyday because I need my money to pay bills and buy myself groceries because XXXX a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I called them everyday until the XXXX and they ended up closing the account and I expected them to mail the remaining funds to me through check, so when I called them about that .. they said theyre mailing me the check and Id receive it in XXXX So after I was promised the check will be mail to me and nothing happened I resumed back to calling them and they sent me another email after so many calling saying they sent money back to the originator and theyre not giving me any proof of that, another agent said it was sent to state of XXXX unclaimed funds XXXX different agents different information everyday and I need my funds because Im owing my landlord and need to clear some of my bills. Please Ill be glad if you guys can do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rozlin Financial Group, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I am filing a complaint against XXXX XXXX XXXX regarding an account they are reporting on my credit reports. I previously requested validation of this alleged debt. In response, Rozlin Financial Group only sent me copies of documents that appear to be a lease agreement and internal billing statements. These documents do not prove that I owe the alleged debt to their company, nor do they provide a full accounting of the amount they are reporting. For example, the documents provided include an equipment lease agreement with XXXX XXXX XXXX and a statement showing a balance of approximately {$10000.00}, but they do not show a complete payment history, proof of assignment to the collection agency, or documentation proving that Rozlin Financial Group has the legal authority to collect this debt. Despite the lack of proper validation, the account continues to be reported on my credit reports and has been marked as verified by TransUnion and Experian after I disputed it. This raises serious concerns about the accuracy of the investigation conducted by the credit bureaus and the validity of the information being furnished by Rozlin Financial Group. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act, debt collectors must provide proper validation of a debt when requested and must not report inaccurate or unverified information to consumer reporting agencies. At this time, I am requesting the following : XXXX. Proper validation of the alleged debt, including a complete payment history and accounting of the balance. XXXX. Documentation showing that Rozlin Financial Group has legal authority to collect this debt. XXXX. XXXX that the amount being reported is accurate. XXXX. If proper validation can not be provided, immediate deletion of this account from all credit reporting agencies. I also request that the Consumer Financial Protection Bureau investigate whether XXXX XXXX XXXX is reporting unverified or inaccurate information to the credit bureaus. Thank you for your assistance in resolving this matter. Also I am unable upload all documentation XXXX sent. I can fax it or email it.

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 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I recieved several emails stating an account was trying to be opened but denied. My concern is they had all correct information to open an account but I had two step verification so it wasn't able to open.

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 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
We purchased a brand new XXXX XXXX from XXXX XXXX XXXX, California, on XX/XX/year>. We met with XXXX XXXX, the sales representative, and XXXX XXXX was the finance representative that processed the finance paperwork. During the purchase process, we were informed of the financing options and was told that XXXX financial rates were lower than XXXX, and the sales XXXX advised we finance with XXXX XXXX, and we agreed to the financing contract before proceeding to meet with XXXX to sign the paperwork. Unfortunately, the financial associate XXXX switched the financing to wellsfargo without informing us at the time we signed the paperwork, unknown to my spouse and I that he has a vested interest with XXXX the reason he switched the financing option. A few days after the purchase, we recieved an email from XXXX regarding the auto transaction purchase. My spouse and I were in great shock and surprised that XXXX XXXX used XXXX after informing us that we were financing through XXXX financial. The bait and switch deceit wasn't taken likely as we contacted the sales representative immediately, but the finance associate XXXX continued to evade the calls. He eventually returned my calls after 10 days noting we signed the paperwork which indicated XXXX, and we informed him that we were told otherwise and that if they decided to switch they should have also informed us. The action of the finance associate XXXX is unprofessional and a valid grounds to void the auto contract. He insisted without apologies and was rude through out the conversation. We called the corporate XXXX XXXX to report the issue and a case number XXXX was created and the XXXX XXXX informed us that a representative from XXXX XXXX XXXX would call us to resolve the issue and also implement what we need fixed as we informed them that due to previous experience we had with XXXX we were unwilling to deal with the bank as it causes XXXX dealing with such experience we had with the bank previously. On that grounds, we are seeking assistance from your bureau to not only protect us but other customers that may engage in business with XXXX XXXX XXXX. Because, if they did this to us, the likelihood that someone else will be treated that way is inevitable. As of the time of filing this complaint, XXXX XXXX XXXX, is yet to contact us to resolve the issue of baiting and switching us into a contract that only XXXX party had privy knowledge on the financing. A valid contract has to be clear and free of fraud. Thank you for your attention to this matter! Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent information being reported on my credit report by XXXX. I previously disputed a collection account reported by LVNV Funding LLC. After my dispute, XXXX investigated the account and removed it from my XXXX credit report. However, XXXX continues to report the same LVNV Funding LLC collection account on my credit report despite the fact that another credit bureau has already removed the account. This creates an inconsistency in my credit reporting and raises serious concerns regarding the accuracy of the information XXXX is reporting. Under the Fair Credit Reporting Act, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. If an account can not be verified or has been removed by another credit bureau after investigation, the continued reporting of the same account by XXXX calls the accuracy of the account into question. I am requesting that XXXX conduct a proper investigation and either provide documentation verifying the account or remove the LVNV Funding LLC account from my XXXX credit report. If XXXX can not provide documentation supporting the accuracy of this account, the account should be deleted to comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/year>, I served a formal " Debt Validation Demand '' via certified mail to XXXX XXXX XXXX XXXX XXXX, the legal counsel for Midland Credit Management ( MCM ), regarding an alleged credit card debt purchased from XXXX XXXX. In this notice, I rebutted jurisdiction and demanded verification of the " XXXX of XXXX '' and a certified ledger of itemized charges. Despite my timely dispute, the company failed to provide the required validation under 15 U.S.C. 1692g ( b ) and continued collection efforts by pursuing a lawsuit in the XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) .I subsequently filed and served " Defendants First Discovery Requests '' ( Interrogatories, Requests for Production, and Requests for Admission ) under SCRCP Rules XXXX, XXXX, and XXXX. The company and its counsel have exceeded the XXXX legal window to respond to these requests, failing to produce the original signed contract, a notarized Bill of Sale, or proof of a " Right to Cure '' notice as required by SC Code 37-5-110.As a XXXX Veteran, I also requested XXXX and XXXX XXXX accommodation procedures, which the company has ignored. This company is attempting to collect a debt they can not prove they own, while violating federal and state discovery and consumer protection laws. See XXXX lawsuit filed try to have the courts think that they were assigned the debt straight from XXXX XXXX XXXX, the original creditor but, that is materially false. Nor did they provide any chain of title, ledger or assignment. Plus, they were removed off my credit report for re-aging and time barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Account Frozen Injustly and Trapped in Verification Loop My name is XXXX XXXX and I am the account holder for Citibank savings and checking account I am writing to file an urgent complaint against Citibank. I am currently hospitalized with an XXXX XXXX XXXX XXXX XXXX XXXX ) and am physically unable to visit a branch. My husband is with me in XXXX, and the nearest Citibank branches are in XXXX, making an in-person visit impossible right now. On XXXX XXXX, I received a legitimate international wire transfer of {$29000.00} USD from XXXX, bringing my account balance to approximately {$30000.00} USD. Immediately after this transfer, Citibank restricted my account, blocking my access to my own funds. I have called customer service multiple times. They informed me that my phone number is not validated in XXXX public records, and therefore, their automated system will not allow them to verify my identity over the phone. The representatives refuse to offer any alternative verification method and tell me there is nothing they can do. I am trapped in an administrative loop while going through a severe medical crisis. I desperately need access to my funds to cover living and medical expenses. Citibanks rigid system is causing me severe financial and emotional distress during an already critical health situation. Desired Resolution : I request that Citibank 's XXXX Resolution Team contact me immediately to manually verify my identity ( I am willing to securely provide my XXXX XXXX Passport, or any other required documentation ) and lift the restriction on my account immediately.

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 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I have been on the save plan since it rolled out. I have been making my monthly payments the whole time. However, my balance has only grown despite the period of time that it SHOULD NOT have been accruing interest. There are thousands of dollars of incorrect interest on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
i had to stop working for a while and was making my payments late. company dont want yo negotiate to remove late payments and im teying to purchase a home and its hurting my approval chances. need it off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nexum Group Inc
State: FL

Complaint narrative:
I was emailed by a Lateesha XXXX at XXXX XXXX in XX/XX/year> regarding an unpaid bill for XXXX XXXX XXXX XXXX XXXX for {$1600.00}. I have no knowledge of any such bill and have never heard of this company. Furthermore, I no longer lived at that address. I asked for a copy of any contract regarding this debt as well as a verification letter to be mailed to me. I provided my current address. Both were refused. Instead, she was harassing and threatening me via email and repeatedly stated I needed to call them to settle the bill, but otherwise refused to provide proof that it was in fact a legitimate debt. To this day, this is still being reported on my credit report.

Company response to consumer: Closed with explanation