vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
This complaint focuses specifically on the unauthorized transfer and loss of XXXX XXXX from my Coinbase account, which occurred as a direct result of a catastrophic security layout failure during a rapid-fire account takeover on the night of XX/XX/year>. Within a span of just a few hours, unauthorized actors completely compromised my account security. Coinbase permitted the following high-risk modifications to occur in immediate succession without triggering an automatic security freeze or mandatory identity verification : Phone Number Change : The primary phone number associated with my account was changed. Bank Account Change : A completely new, unverified bank account was linked to the profile. Total Cash-Out : The actors liquidated my broader holdings and initiated external cash-outs, completely draining the account in a single night. The specific regulatory failure regarding this XXXX transaction is that Coinbase explicitly indicated a security hold would be placed on the outbound transfer due to these severe, compounding red flags. Instead, Coinbase failed to enforce its own fraud-prevention protocols. They allowed the irreversible blockchain transfer of XXXX XXXX to clear to an external wallet while a textbook, multi-layered breach was actively occurring in real-time. Coinbase completely failed its consumer protection obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, PayPal debited {$93.00} under a recurring billing agreement ( XXXX ) naming XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) as the merchant. I never created the billing agreement, never held an XXXX account under any email or identifier, and never authorized the transfer. I disputed the transfer with PayPal the same day as an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E, 12 C.F.R. Part 1005. PayPal has reviewed and denied the dispute four times : 1. Initial denial, XX/XX/year>. 2. Appeal affirmation by representative XXXX, XX/XX/year>. 3. Executive office review by representative XXXX, XX/XX/year>, on the stated ground that " automatic payments will not be considered as valid unauth dispute case. '' This position is not consistent with EFTA or Regulation E. Whether a transfer is one-time or recurring does not bear on whether it was authorized. 4. Executive office close-out by representative XXXX, XX/XX/year>, confirming internal review is complete on the current record. Under 15 U.S.C. 1693g ( b ), once a consumer gives timely notice of an unauthorized electronic fund transfer, the burden of proof is on the financial institution to establish that the transfer was authorized. Across four reviews, PayPal has not produced any authentication evidence no IP address, no device fingerprint, no login timestamp, no geolocation, no account-creation record showing that the billing agreement was created by me. PayPal canceled the billing agreement going forward on XX/XX/year> at XXXX XXXX but has refused to refund the {$93.00} already debited. The underlying XXXX account that is the alleged merchant is the same account associated with separate unauthorized debit card charges of approximately {$1200.00} on a XXXX XXXX account, also denied without investigation and currently subject to an open CFPB complaint. A police identity theft report has been filed with the XXXXXXXX XXXX XXXX Relief requested : refund of {$93.00} plus any cascading fees caused by the unauthorized debit ; and, if any authentication evidence for billing agreement XXXX exists, that PayPal produce it on the record. Reference : PayPal Case ID XXXXXXXX ; Transaction ID XXXX ; Billing Agreement ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> JEFFERSON CAPITAL SYSTEMS Re : XXXX XXXX Account To Whom It May Concern, I am disputing the account being reported by JEFFERSON CAPITAL SYSTEMS associated with XXXX XXXX in the amount of {$580.00}. Please provide : * Copies of all agreements or contracts * Itemized billing statements * Proof of assignment or ownership of the debt * Verification that the information reported to the credit bureaus is accurate Until this account is validated, I request that it be marked as disputed with all credit reporting agencies. If proper documentation can not be produced, I request immediate deletion from my credit report. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: NY

Complaint narrative:
Recently, I applied for and was explicitly issued a {$100.00} XXXX XXXX through the Klarna mobile application to purchase essential groceries at XXXX. The app clearly and definitively provided an " Approved '' status screen, generated a valid payment barcode, and explicitly instructed me that I could head to the register to complete my transaction with {$0.00} due upfront. Relying entirely on Klarnas definitive statement of approval, I spent an hour selecting necessary food items. However, upon presenting the approved barcode at the register for a total transaction amount of approximately {$30.00}, the transaction was abruptly declined. This failure caused intense public humiliation and forced me to leave a full cart of essential groceries behind at a crowded register. When I contacted customer support to demand an explanation for why an active, explicitly approved virtual card was killed at the point of sale, I was given irrelevant, scripted runarounds regarding " credit eligibility. '' My complaint is entirely independent of credit criteria. If Klarna 's automated underwriting or credit checks dictated a denial, that final determination must be rendered prior to issuing an active barcode and instructing a user to shop. Granting a definitive, clear approval on a mobile interface, encouraging a user to select items, and then executing a reverse denial at the physical register constitutes a deceptive and predatory user experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX XXXX XXXX of about XXXX dollars. The loan was charged off, and so eventually I was making payment arrangements with them and paying monthly on the account. So, around sometime in XXXX I believe it was, XXXX representative that I talked to, I told them I was going to be getting settlement money from a lawsuit. This was involving a military lawsuit since I was in combat in the XXXX from XXXX in XXXX for XXXX XXXX XXXX. Anyway, I told him that whenever I got the settlement money of XXXX, XXXX dollars, I would try to catch up. But I tried to explain to him that I would not get the full XXXX because of lawyer fees etc. He kept saying, no so you will be paying us the sum of XXXX dollars on this date etc. So I just left it alone, since I only got a little over XXXX from that lawsuit. Eventually, around XX/XX/XXXX of XXXX, a local sheriff brought at a summons and I found out this company turned everything over to a lawyer called Smith Debnam Narron Drake Saintsing & Myers, L.L.P. in XXXX NC. On XX/XX/XXXX of XXXX I had a very bad vehicle accident. the sheriff gave everything to me and I looked and they said on the summons I had about 30 days to respond or go to court or something. Well due to the accident, I suffered a XXXX XXXX XXXX and I was on medication and so I called the lawfirm, XXXX XXXX XXXX on the same date and he never answered. I then emailed him and told him I can't do anything because of the bad accident I had. He never responded. Later I found out there was a judgment on my property since they said I never responded to the summons. So eventually I called and spoke with someone and told them I will pay this off whenever. Now I am getting another email from first tech saying they haven't been able to contact with me. I don't know why they are contacting me. I will show proof of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
My debit card is on and working and accessible and XXXX to use it 3 times to order pizza online and the bank refused to acknowledge the purchase. They never even asked if I made a transaction they just denied the transaction every time. XX/XX/year> XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: NC

Complaint narrative:
ISSUE Problem with a company 's investigation into an existing problem

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Im writing to file a complaint against IC SYSTEM INC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

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 2026-05-17 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: NY

Complaint narrative:
Chase bank restried my account because they said the checks need to verify, i gave them the check makers phone number some of maker they call and some Chase said phone number is invalid and some Chase representative just hand up or kick me away or transfer me to another department like kicking the ball, and even partial checks are verified, the next time i call Chase want to veify again, i cant have all check maker available all the time, Chase is like need to verify all checks at same time, but they hand up sometime, how am i gon na do???? for example i verify 2 out of 5 nextime call to verify the rest but Chase said oh no record show you were verified. I want my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 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:
Paypal decided to close my account for no reason i did not make any odd transaction or use my account any differently than I had since I opened it but closed it due to suspicious activity which they can not disclose. I dont care about the paypal account I dont want to use them anyway anymore but they put my funds on freeze for 120 days when I haven't sold anything on the account every and have no chargebacks or anything pending which would require such a wait to release.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I have not get any bills on my mail so I dont think this bill its correct on my credit

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 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
So I opened a XXXX checking account and credit card and immediately as soon as I started using it, they were harassing me every single day or every other day with fraud security alerts, even though I called in every single day or every other day to get them cleared and from that point on they made it harder and harder for me to actually use my card and make purchases and then finally after two or three weeks they locked my card and put a hold on it I called again and they told me that they had to do extensive verification on my credit card and And told me to go to my mobile app and screenshot my transactions and my name to show that I actually own the account and to fax it into them, which I did and then two days later I could not see my card anymore on the mobile app so I called in and they told me they closed my credit card and I asked why and they said that they could not tell me anything and that I would get a letter in the mail and now I have over {$23000.00} sitting in XXXX that I can not get out because they also are not allowing me to transfer money because every single time I try to do it they always tell me theres some sort of problem

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 2026-05-17 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: Chime Financial Inc
State: MA

Complaint narrative:
I am filing this complaint regarding Chime Financials handling of a credit card billing dispute under the Fair Credit Billing Act and Regulation Z. On XX/XX/year>, I purchased an XXXX XXXXXXXX XXXX handheld gaming device from XXXX XXXX XXXX XXXX XXXX for {$530.00} using my Chime XXXX XXXX XXXX secured credit card. The device arrived with three hardware defects. After three weeks of correspondence with the merchant, XXXX directed me to install a replacement part myself in lieu of processing a unit replacement. I installed the part per their written instructions on XX/XX/year>. The repair did not resolve the original defect because the fault was in the devices mainboard rather than the replaced part. I notified the merchant of the failed repair on XX/XX/XXXX. Since that date I have sent 9 follow-up emails offering to pay return shipping and offering {$100.00} toward a replacement. The merchant has not responded for 17 days. I filed an initial billing dispute with Chime under FCBA 1026.13 ( a ). Chime denied the dispute. Chime did not provide a written explanation of the denial as required under FCBA, and based on the speed of the denial I do not believe a reasonable investigation was conducted as required under Regulation Z. On XX/XX/year>, I contacted Chime by phone and formally requested the dispute be reopened with new evidence. Chime agreed to reopen the dispute. Dispute ID : # XXXX. Call reference : XXXX. XXXX ID : XXXX. I also formally requested a written explanation of the original denial under FCBA on the same call. I am filing this complaint to ensure that ( 1 ) the reopened dispute receives a proper investigation as required under Regulation Z rather than another procedural denial, ( 2 ) the written explanation of the original denial is provided as required under FCBA, and ( 3 ) provisional credit is applied during reinvestigation per Regulation Z. The merchant has a documented industry pattern of ghosting warranty claims, including multiple recent XXXX reviews and a public statement from one of the merchants own XXXX XXXX that XXXX have been ghosting all customers lately. Supporting documentation available on request : complete email thread with the merchant from XX/XX/XXXX through present, video documentation of the original defects, photographs of the failed repair, and screenshots of the public pattern of merchant non-response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
Paste this : I am submitting this complaint regarding Spring Oaks Capital LLC 's reporting and collection activity, in violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g and 1692f, and the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) and 1681s-2. Spring Oaks reports an account with a balance of {$5100.00}, original creditor listed as XXXX XXXX XXXX, opened on Spring Oaks 's records XX/XX/XXXX. My XXXX credit report ALSO contains a separate tradeline from XXXX XXXX ( opened XX/XX/XXXX, original balance {$4700.00} ) with the notation : " Status : Closed. {$4600.00} written off. Company sold SPRING OAKS CAPITAL , LLC. Comment : Purchased by another lender. '' This indicates the Spring Oaks tradeline and the XXXX XXXX tradeline reflect the SAME underlying obligation. Reporting the same debt under two separate tradelines violates 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and constitutes a furnisher accuracy violation under 1681s-2 ( a ) ( 1 ) ( A ). Additionally, the balance has increased from {$4700.00} ( original Upgrade balance ) and {$4600.00} ( Upgrade write-off amount ) to {$5100.00} ( XXXX XXXX reported balance ). Under 15 U.S.C. 1692f ( 1 ), a debt collector can not collect any amount " unless such amount is expressly authorized by the agreement creating the debt or permitted by law. '' I demand itemization of the {$5100.00} balance, broken down by principal, contractual interest, and fees, with citation to the specific contractual or statutory authority for each charge. My credit report also notes " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' regarding this tradeline. The prior dispute did not result in deletion or correction. I now provide specific new grounds : ( 1 ) duplicate reporting of the same debt ; ( 2 ) unexplained balance increase ; ( 3 ) demand for chain of title under standards in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ). Under 15 U.S.C. 1692g, I request within 30 days : ( a ) the original signed loan agreement, identifying XXXX XXXX or XXXX XXXX XXXX as lender of record ; ( b ) the full chain of assignment from origination through to Spring Oaks Capital, with all bills of sale and account-level data files ; ( c ) itemized accounting of the {$5100.00} balance ; ( d ) the original date of first delinquency ; ( e ) proof Spring Oaks is licensed to collect debts in Nevada. Desired resolution : If Spring Oaks can not produce complete validation and chain of title documentation, I require deletion of this tradeline from XXXX, XXXX, and XXXX. I also require correction or deletion of the related XXXX XXXX tradeline if it continues to reflect the same underlying debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: NC

Complaint narrative:
I have a nonprofit PayPal account that I have used to make several purchases without issue. On XX/XX/year>, I made a purchase from the account. On XX/XX/year>, I added {$10.00} to my account from my registered debit card to test whether I could invoice a client. That same day my account was limited with no warning. I contacted PayPal via chat. The representative refused to identify themselves and told me that my transaction was " highly illegal. '' They claimed to have 10 years of nonprofit experience and stated they would not be fixing my account. When I questioned their legal characterization of a routine {$10.00} deposit, they threatened to place further restrictions on my account. This representative 's conduct was inappropriate, misleading, and in my view retaliatory. The session ID for this interaction is XXXX. I have retained a full record of this chat. I then called customer service. The phone representative told me my account had been flagged because it was dormant and that the {$10.00} deposit triggered a review. This was factually inaccurate. My account was not dormant. He stated he would escalate the matter to a backend team. On XX/XX/year>, my account was permanently limited. I called again and spoke with a representative who stated she did not understand why the account would be permanently limited, that nothing about my activity appeared suspicious, and that she would note the account for full reactivation. Despite this, the account remains permanently limited as of today. I have contacted PayPal multiple times. Each representative has either provided inaccurate information, acknowledged the limitation was unwarranted, or been unable to resolve the issue. I am unable to access my funds. This is a nonprofit account and the continued restriction is causing direct financial harm to my organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I can not access my nelnet account. I have been trying to login and/or change my password to my account to login and it says account not found. I have previously been able to login to the account in XXXX, and in XXXX when my payments started I went to login and I have not been able to login in with multiple attempts since then. I have also tried to call nelnet customer service but the customer service only works if you accepts and finds your account but it keeps saying I do not have an account- which I do- I have accessed multiple times up until XXXX. This is putting me at risk for delayed payment fees and hurting my credit more.

Company response to consumer: Closed with explanation