vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MS

Complaint narrative:
Subject : Request for Reinvestigation Unauthorized XXXX XXXX Transactions ( XXXX Charges ) dispute number : XXXX I am filing a formal complaint and requesting a reinvestigation into a series of unauthorized transactions on my Chime account. The transactions in question are XXXX XXXX balance add transactions, totaling over XXXX separate charges. I did not authorize any of these transactions. I want to clearly state : * I only use XXXX XXXX to send money to known individuals. * I have never used my account to perform balance add or funding transactions. * These transactions are not consistent with my normal account activity. Most importantly, I have reviewed my XXXX account transaction history, and there is no record of these XXXX XXXX balance additions at all. I have already submitted screenshots proving this. This discrepancy is critical. If these were legitimate XXXX XXXX funding transactions, they would appear in my XXXX transaction history. The absence of these records strongly indicates that these transactions were unauthorized and did not originate from my XXXX account. Initially, I reported XXXX transactions, but after further review with a representative, I identified over XXXX unauthorized transactions, all part of the same fraud pattern. These should be treated as a single fraud incident, not separate claims. I reported this issue promptly upon discovery and immediately took steps to secure my account, including replacing my card. I am requesting the documentation used to determine that no error occurred. Despite this, my claim was denied within approximately XXXX hours, which suggests that a full and reasonable investigation may not have been conducted. These transactions do not exist in XXXX system. That means they could not have been authorized through my XXXX account Under the Electronic Fund Transfer Act ( Regulation E ), I am requesting : 1. A full reinvestigation of all unauthorized transactions 2. A detailed explanation of the evidence used to deny my claim 3. Provisional credit while the investigation is ongoing 4. Confirmation that all related transactions are being reviewed together as one case Given the volume of transactions, the inconsistency with my XXXX account records, and the speed of the denial, I do not believe this matter was properly reviewed. I am requesting immediate attention to this matter and a fair resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MS

Complaint narrative:
Subject : Unauthorized Account Takeover and Misappropriation of Assets Total Claim Amount : {$280000.00} Description of Event : " I am filing this formal complaint against Robinhood Financial LLC ( XXXX # XXXX ) regarding a catastrophic security failure and subsequent unauthorized debit of my assets totaling {$280000.00}. 1. Unauthorized Activity & Systemic Failure : On [ Date of Breach ], my account was compromised via an unauthorized Account Takeover ( ATO ). During this breach, Robinhoods internal risk systems failed to flag highly irregular, out-of-pattern activity. Specifically, Robinhood actively facilitated the fraud by approving XXXX unauthorized 'Instant Deposits ' totaling {$200000.00}. These approvals provided the liquidity necessary for the hacker to execute unauthorized XXXX transactions. 2. Financial Loss Breakdown : The total principal loss of {$260000.00} was executed as follows : {$62000.00} of my settled cash was misappropriated. {$200000.00} was moved via the unauthorized deposits Robinhood approved during the breach. 3. Consequential Damages : To cover the resulting deficit from these unauthorized transactions, Robinhood executed an unauthorized debit against my account, forcing the liquidation of my long-term securities. This forced sale directly resulted in a realized capital gains tax liability of {$22000.00}, which I am claiming as direct consequential damages. 4. Regulatory Notice : This matter is currently under active investigation by the U.S. Secret Service. I have provided Robinhood with a formal Demand Letter, but they have failed to restore my funds. I assert that Robinhood violated its duty to protect customer assets and failed to maintain reasonable hardware and software procedures to prevent such a blatant misappropriation of funds. I demand the full restoration of {$280000.00} ( Principal plus Damages ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Involved Parties : PayPal XXXX I submitted the following dispute to PayPal, who processed an unauthorized charge for a Premium Membership Fee ( I only authorized a Trial Membership ) to my checking account on behalf of XXXX. XXXX uses a Deceptive Membership Billing Practice! I sent a cancellation email to XXXX I canceled the unauthorized automatic payments through PayPal. XXXX said that they would allow PayPal to resolve this since I involved a third party. PayPal denied the case in favor of this corrupt scammer. I need assistance from CFPB and wish to file my complaint with you to appeal their decision. XXXX has an international scam that is on XXXX and has victimized many people. I've provided a screenshot of this information. This fraudulent website takes advantage of job seekers. I have attached XXXX documents to support my complaint. Here is the complaint to PayPal : XXXX did not provide a billing agreement to me via email or any other method. I have a screenshot of the trial membership description. I have screenshots of the payments they took, my membership cancellation and their response. I have a screenshot of my PayPal Autopay cancellation. I also have 3 Screenshots proving that they initially bill {$2.00} for a trial period and THAT THEY USE A DECEPTIVE MEMBERSHIP PRACTICE, THAT IS AN INTERNATIONAL SCAM, where they automatically bill for a premium membership after 14 days unbeknownst to the Consumer! NOTE : They do not email you to tell you they are about to take a payment for the premium membership. WHEN YOU PAY FOR THE TRIAL PAYMENT THEY ARE SETTING UP AUTOMATIC PAYMENTS WITHOUT YOUR AUTHORIZATION! THEY ARE TAKING ADVANTAGE OF DESPERATE UNEMPLOYMED CONSUMERS!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
* * Product : * * Money transfer / Wire transfer * * Issue : * * Improper execution / inadequate disclosure leading to financial loss * * Company : * * Citibank , N.A . * * Complaint : * * I am filing a complaint regarding an international wire transfer initiated from my Citibank account on XXXX XX/XX/year> in the amount of USD XXXX. At the time of initiating the transfer, the amount was entered in USD. Citibank subsequently converted the funds into XXXX ( XXXX Dollars ) during processing and transmitted the payment as XXXX XXXX. The beneficiary account at the receiving bank ( XXXX XXXX ) is denominated in USD. As a result, the funds were converted again from XXXX back into USD upon receipt. This resulted in a financial loss of USD XXXX due to double foreign exchange conversion ( USD XXXX USD ). The issue is not simply that a currency conversion occurred, but that the transaction was executed in a manner that did not align with the currency of the beneficiary account, creating an unnecessary second conversion. A reasonable customer would expect that a transfer initiated in USD to a USD-denominated account would be delivered in USD, unless clearly instructed otherwise. While the Citibank interface displayed an XXXX amount at confirmation, it did not clearly disclose that : * The transfer would not be processed in USD end-to-end * Sending XXXX to a USD-denominated account would result in a second foreign exchange conversion * This would lead to a material financial loss Nor was it clearly presented that an alternative option existed to send the transfer in USD end-to-end and avoid this outcome. As a result, the system effectively defaulted to a suboptimal transfer method without adequately disclosing the consequences. This transfer was made under urgent circumstances involving a family medical matter. I became concerned immediately after submitting the transfer due to the currency mismatch and contacted Citibank promptly to raise the issue. I formally raised this matter with Citibank on XXXX XX/XX/year>. After multiple follow-ups, Citibank responded on XXXX XX/XX/year> stating that the transaction was executed as instructed in XXXX based on the online confirmation screen. However, this response does not address the core issue of whether the transaction was executed appropriately given the beneficiary account currency, nor whether the consequences of this execution were clearly disclosed. I believe this represents a failure in transparency and fair execution, resulting in avoidable financial harm.

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 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
The company never actually answered my disputes and discrepancies they believe by sending me the reports resolved the issues at hand. Select Portfolio Services only sends me transaction history reports the dates as follow XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX The reports do not match, the record keeping is inconsistent and incomplete. The reports are missing months and several years. My loan is a predatory loan from XXXX, interest rate no less then 8 % no more than 15 % I have reached out to them multiple times, sending letters, documents, documents supporting my disputes some of the dates XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Has me as an authorized user on the Toyota debt. I am no longer an authorized user and would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is an inaccurate bankruptcy entry showing on my credit report. I respectfully request that this be investigated and corrected within 5 business days.

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 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: VW Credit
State: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified credit reporting by ( VW CREDIT ) in connection with a vehicle repossession being reported on my consumer credit file. Despite multiple disputes submitted to both the consumer reporting agencies and the furnisher, the company continues to report a repossession without providing competent evidence to substantiate the accuracy, completeness, or legal compliance of the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: WA

Complaint narrative:
I've had over XXXX dollars refunded to my cash app card. However it says my cash app doesn't exist and can't be discovered

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My wallet and cellphones were stolen late early morning on XX/XX/year>. Thieves were able to access my account using my cellphone. When I learned of the theft and was able to login to the accounts I immediately notified the financial institutions of the affected accounts to notify them of the fraudulent transactions. Most transactions involved digital wallets and crypto accounts. These wallets and accounts were used to transfer cash from my bank /credit card accounts and purchase crypto for immediate transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Yesterday on XX/XX/year>, I was scammed out of {$6400.00} from an XXXX number pretending to be XXXX XXXX worker saying my account is getting access from someone I did not know. He told me to put all my funds in Cash App and told me to put in a temporary debit card that will go in my XXXX XXXX until the physical card gets mailed to my address. After I put in the debit card information he then told me to click deposit to the card he provided. After I deposited the card he told me to delete the card information because it was only temporary then once I did the XXXX XXXX worker put me on hold then hung up. I immediately filed a claim to XXXX XXXX and cash app. Cash app already denied my claim because they supposedly believe there was no error to the transaction. If I wasnt being told that my account on XXXX XXXX was getting access by someone I would never have done this in the first place. I was manipulated and by someone who pretended to be working for XXXX XXXX bank and the transaction clearly shows that the money added to cash app was my information and the withdraw information shows XXXX XXXX XXXX which I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a phone call from a collection agency, Afni Inc., informing me that a {$500.00} deductible related to a car accident I was involved in on XX/XX/XXXX, had been sent to collections. Under the terms of my auto insurance policy with XXXX, the deductible for this claim was {$1000.00}. At the time of the accident, I was charged and paid {$500.00}. Following that payment, I received no further notifications, invoices, letters, emails, or phone calls from XXXX indicating that any remaining balance was owed. On the same day I received the collections call, XX/XX/XXXX, I contacted XXXX directly to ask why a debt had been sent to collections when I had received no prior notice that any payment was due. XXXX informed me that on XX/XX/XXXX, they had sent the relevant communications to an attorney they believed was representing me in this matter. However, I had not been represented by an attorney on this case since XX/XX/XXXX more than three months before XXXX sent that communication. XXXX continued to direct correspondence about my account to a third party who no longer represented me, and at no point did they verify that I, the policyholder, was actually receiving notice of the alleged outstanding balance. As a result of this failure to properly notify me, the {$500.00} debt was referred to Afni Inc. for collection without my knowledge, and I had no opportunity to dispute or resolve it before it was placed with a collection agency. I am seeking the following remedies : a formal review of whether the underlying {$500.00} amount is validly owed given XXXXXXXX XXXX failure to provide me with proper notice as the policyholder, recall of the account from Afni Inc., and assurance that this matter will not be reported to the credit bureaus while it remains in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I got a call from a collection threaten to sue me for a bill that was less then the amount they sueing me for. This debt is more then 7 years old.

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App is refusing to honor its own Terms and Conditions regarding freelance direct deposits. In their response to me ( XXXX # XXXX ), they acknowledged that 'contractees ' are eligible for benefits. However, they are demanding a 'payroll paystub ' as the only form of proof. As a freelancer for XXXX paid via XXXX, I do not have a corporate paystub. I have provided proof of professional ACH PPD-coded deposits, but Cash App is categorizing these as 'one-time transfers ' or 'payment services ' to avoid paying out the 5 % benefit and 4.5 % interest rate. They are intentionally setting a documentation requirement ( paystub ) that they know a contractor can not meet, even though their own policy states contractors are eligible. This is a deceptive and unfair trade practice designed to withhold earned benefits from non-traditional workers. Furthermore, I have already provided government issued identification via the company 's secure link, and I am disputing their previous bad-faith closure based on 'identity verification ' issues. Cash App holds the full account ledger and has the technical capability to identify these XXXX deposits. I am formally declining to perform a manual audit of my own account on the company 's behalf. I expect the CFPB to compel a manual review of my ACH PPD coded history by a human specialist and the immediate correction of my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Company : Hyundai Motor Finance Vehicle : XXXX XXXX XXXX Complaint Summary I am filing this complaint regarding an unauthorized withdrawal and the failure of Hyundai Motor Finance to issue a refund despite multiple commitments over several months. Detailed Description of the Issue On XX/XX/XXXX, I early terminated my lease for a XXXX XXXX XXXX under the below contract number. At the time of termination, all financial obligations were fully satisfied, and there were no outstanding balances due. However, on XX/XX/XXXX, Hyundai Motor Finance improperly withdrew an additional lease payment of {$720.00} from my bank account. This withdrawal was unauthorized and unjustified, given that the lease agreement had already been concluded. I immediately contacted customer service to report the issue. I was informed that the withdrawal was an error and that a refund check would be issued within 2030 days. Attempts to Resolve the Issue Despite these assurances, the refund has not been issued. I have made multiple follow-up attempts : * XX/XX/XXXX : Contacted customer service after the initial 2030 day period elapsed * XX/XX/XXXX : Follow-up call; same promise made * XX/XX/XXXX : Contacted customer service twice ; each time I was assured the refund would be processed Additionally, I have raised to Hyundai Motor Finance formal internal complaint under the following reference : * Internal Complaint / XXXX Number : XXXX As of today, nearly four months have passed, and I have not received the refund. Issue Classification * Unauthorized electronic withdrawal * Failure to provide timely refund * Misleading or unfulfilled customer service commitments

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 2026-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Received a suspicious XXXX deposit to account on XX/XX/XXXX in the amount of {$560.00}. Called TD bank to report it XX/XX/XXXX. Soon after I got notice that I was removed from XXXX, for fraudulent activity. I calledXXXX to complain and have the removal reversed since I did nothing wrong. 5 months prior, this same unknown individual sent {$70.00} to account and went through this exact thing. On XX/XX/XXXX I received a message from TD bank saying XXXX removal will stay.

Company response to consumer: Closed with explanation