vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 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: LA

Complaint narrative:
PayPal permanently limited my personal account after incorrectly classifying it as a business account.

I never used PayPal for business activity. The only transactions in question were XXXX small personal transfers from my fianc ( {$40.00} and {$7.00} ). 

During a routine review, PayPal requested business documentation. I mistakenly uploaded unrelated documents for an importing business I operate outside of PayPal, believing this was required to release my funds. This led to an incorrect risk determination. 

As a result, PayPal : XXXX ) Locked my access to all funds XXXX ) Froze personal savings and crypto savings XXXX ) Failed to credit incoming crypto XXXX ) I am now left without access to money required for basic living expenses. 

This action appears disproportionate, unsupported by the transaction history, and based on a classification error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Product : Checking or savings account Issue : Problem with a deposit or withdrawal Sub-issue : Funds availability / deposit hold Complaint narrative : I deposited a {$41000.00} customer check in-branch on XX/XX/year> into my Bank of America business checking account ( account ending XXXX ). The account is approximately XXXX months old, and the check was drawn on XXXX Bank. 

Bank of America placed a hold on 100 % of the deposit and did not make any portion of the funds available, including the {$220.00} next-business-day availability required under Regulation CC for standard funds-availability schedules. 

Bank of America issued a written notice dated XX/XX/year> stating that the hold was a standard hold with an availability date of XX/XX/year>. A standard hold does not permit withholding the full deposit or delaying all funds without releasing the required {$220.00}. 

I contacted Bank of America business customer service multiple times on XX/XX/year> seeking clarification. I spoke with a representative named XXXX at approximately XXXXXXXX XXXX a representative named XXXX at approximately XXXXXXXX XXXX, and a call-center manager named XXXX at XXXX XXXXXXXX XXXX. None were able or willing to explain how this hold complied with Regulation CC or why a standard hold resulted in XXXX funds being made available. 

As a direct result of this hold, a {$6000.00} payment was returned, which triggered a {$900.00} contractual penalty from my fleet fuel card provider, XXXX XXXX. This returned payment and penalty would not have occurred but for Bank of Americas decision to hold 100 % of the deposit while labeling the hold as a standard hold. 

The hold also caused an overdraft. I am requesting review of Bank of Americas compliance with Regulation CC funds-availability and notice requirements, confirmation of the proper classification of this hold, and reimbursement of all bank fees and XXXX-party damages caused by this action.

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was involved in a crypto investment scam XXXX  of XXXX, acquiring XXXX XXXX XXXX  in debt. Prior to this, our credit score was just under XXXX. At that time, we sought the help of XXXX XXXX, a debt reduction company. They advised us to stop making payments so they would have leverage to negotiate on our behalf. After observing the devastating effect this was having on our credit score, we terminated our relationship with XXXX XXXX in XX/XX/XXXX. In late XXXX, I contacted Chase to discuss our determination to get our account current. I specifically asked if our credit limit would be reduced, the staff member assured me it would not. A payment of {$690.00} that posted to our account on XX/XX/XXXX made our account current. On XXXX XXXXXX/XX/XXXX, we received a letter dated XX/XX/XXXX, informing us that our credit limit had been reduced from XXXX XXXX XXXX XXXX XXXX. I called Tuesday morning, XXXX and was told that the decision was made based on information Chase gathered on XX/XX/XXXX. I told the rep that this information was NOT current. I also shared that I was assured BY Chase that this would not happen. I was told that nothing could be done. I said this action is only going to make matters worse for us. Again, I was told nothing could be done. Thus, I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
So I got a message on my chime account app saying that they will be closing my account on XX/XX/2026. And this is Chime we are talking about. I called and went to the app to get answers as to why my account will be closing, because my XXXX goes to that account so I can pay my rent and no one can give me an answer as to why my account will be closing. Then they told me that it doesn't meet there expectations how and why I do nothing but my my landlord XXXX and that is it. So I kept calling and they kept transferring me and gave me no reason. so I wont be able to pay my rent next month because I don't have direct deposit anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I am receiving constant emails from OneMain Financial XXXX in reference to settling a debt that I do not owe. I have asked for a debt validation letter but the company has failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I received a collections letter almost 3 weeks ago with no itemized billing from ProCollect. I reached out several times by phone to have people be rude and disrespectful until I told them where they could go. They told me to email a specific person named XXXX who I had to email several times to get an answer. I still have not received an itemized bill, and I have told him over and over I do not owe the amount they are collecting. They have already put this on my credit report but will not help me rectify the bill or tell me how to make a payment plan nor will they give me an itemized bill or talk about the disputed amount. How people can treat you this way, and ruin your credit is beyond me. There does not seem to be anything anyone will do to help, and this behavior is disgusting and more troublesome that it is allowed to happen. I have disputed this with XXXX and will have to wait 30 days to hear back.

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 2026-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
Refusal to accept payment caused false delinquency Second occurrence, prior complaint in XX/XX/year> Written dispute submitted XX/XX/year>2025 Willful reporting of inaccurate information Request correction under 15 U.S.C. 1681s-2 ( b ) These force the creditor into investigation and make them legally liable if they fail to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: IL

Complaint narrative:
Numerous of calls, texts and emails from XXXX. I told them to stop and sent cease and desist. They still are contacting therefore it should be delete off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I entered into a formal payment plan with Chase in XX/XX/year> to resolve my past due credit card balance. On XX/XX/XXXX, Chase set up a XXXX payment plan for XXXX payments of {$360.00} each to be automatically drafted monthly on my regular due date. 
First payment : XX/XX/XXXX successfully drafted Second payment : XX/XX/XXXX Chase claimed it did not draft On XX/XX/XXXX, after being told no payment was received, I manually paid {$360.00} through the Chase app while on the phone with a representative. Later, my bank ( XXXX XXXX ) confirmed Chase actually withdrew BOTH payments, meaning Chase received XXXX payments in XXXX. 
This resulted in Chase receiving : XXXX : {$360.00} XXXX : {$730.00} ( two payments ) Therefore, the full 3-payment plan was satisfied early and paid in full. 
Despite this : Chase added a late payment and negative remark to my credit report Chase continued attempting to withdraw an additional fourth {$360.00} payment in XXXX Representatives acknowledged internally that the payments were received but failed to correct the account Chase froze my account, preventing my regular $ 195 monthly payment from processing I am now unable to manually make payments through the app Chase is reporting my account as 90 days past due while they have received over {$1000.00} from me in two months I have contacted Chase numerous times since XXXX to correct these issues. Each time I am told it will be fixed, yet the errors continue and my credit is being harmed. 
Chases actions include : Misapplied/duplicate payments Failure to properly credit payments Blocking my ability to pay Incorrect delinquency reporting Causing significant credit damage despite my good-faith efforts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 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 complaint is towards Venmo, they closed my account unexpectedly & gave me no reasoning other then my account went against there policies. Ive had my account open with them for many years. My problem is they kept my {$900.00} in my account & said theyll release it after 180 days! Thats my money & I need it now. Please help me receive my funds. I need that {$900.00} for an emergency. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am submitting this complaint to request investigation into a suspected unauthorized access, use, or disclosure of my Social Security number that I reasonably believe may be connected to a collection company. 

I did not have any known interactions or communications with this company prior to my Social Security number being disclosed and threatened to be disclosed by third parties. I was only recently made aware that an individual I believe may have obtained my Social Security number, XXXX XXXX, is or was employed by or associated with this collection company during the relevant time period. 

After learning of this employment connection, I subsequently received a phone call attempting to collect a debt from this same company. The timing of these events raised serious concerns for me regarding how my sensitive personal information may have been accessed or disclosed. 

I do not know at this time how my Social Security number was obtained. I am not asserting this as a confirmed fact, nor am I alleging wrongdoing. I am identifying XXXX XXXX solely as a person of interest for purposes of investigation, based on the employment connection and surrounding circumstances, and I am requesting that this matter be reviewed to determine whether any unauthorized access, viewing, use, or disclosure of my Social Security number occurred. 

I respectfully request that the company and the Bureau review internal access logs, account records, employee permissions, and data-handling practices to determine whether my Social Security number was accessed or disclosed without authorization. 

My Social Security number is not publicly available and was not shared by me with third parties. I am seeking oversight and assistance in determining how this information was obtained and whether any applicable consumer protection, privacy, or data security obligations were violated. 


Thank you for your attention to this matter and for your role in protecting consumers from unauthorized use of sensitive personal information.

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
someone try to open a XXXX credit card with my stolen SSN I filled fraudulent activity with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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:
I am filing this complaint regarding PayPals handling of a fraudulent chargeback filed by a buyer after services were properly booked and prepared.

The buyer falsely claimed the transaction was unauthorized. This claim is untrue. The buyer knowingly entered into the transaction, communicated with me directly, received invoices, and acknowledged the terms, including my cancellation policy.

I provided PayPal with evidence showing the transaction was authorized, that services were scheduled, and that costs were incurred in reliance on the agreement. Despite this, PayPal reversed the funds and ruled in favor of the buyer without addressing or meaningfully reviewing the evidence submitted.

As a result of PayPals decision, I suffered financial harm, including loss of funds and negative balance activity. PayPals responses were largely automated and did not provide a clear explanation of how the evidence was evaluated or why the fraudulent chargeback claim was accepted.

I am requesting that PayPal conduct a proper review of this case, reverse the chargeback decision, and restore the funds. At a minimum, I am seeking a clear, written explanation of how PayPal determined the buyers fraudulent claim was valid despite evidence to the contrary.

Case ID 1 : XXXX ( Invoice ID : XXXX ) Case ID 2 : XXXX ( Invoice ID : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App advertises that you can cancel payments, but that is not true. On Tuesday, XX/XX/year> I accidentally made a payment in the amount of {$1000.00} to the wrong person. I immediately tried to cancel and could not.I contacted Cash App support and they were no help telling me the could not do anything about it. I requested a refund from vendor and they did not respond. Cash App can identify if the person with that account still uses it and they can also contact the person but refuses to do so. Right now in my Cash App account it says the payment is pending. I believe cash app has the {$1000.00} and they are being dishonest in an effort to steal my money. They also hold your money for aa lengthy period if a creditor refunds your money, they wont release it for over a week. They are responsible for misleading and fraudulent advertising to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
b"I am disputing an unverified $XXXX auto deficiency debt. On XXXX, I sent a formal Demand for Verification to the collector via USPS Certified Mail (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX). USPS records prove they received this in XXXX XXXX, yet they have failed to validate the debt for over 60 days.\n\nThe reporting of an 'Involuntary Repossession' is fraudulent. After the vehicle was recovered from theft, it sat at a dealership for months due to incompetent diagnostics. A Golden 1 manager explicitly instructed me to stop payments and surrender the vehicle once released. I followed this instruction and personally delivered the keys to the XXXX  branch manager.\n\nFurthermore, there are massive accounting inconsistencies: Golden 1 previously claimed a $XXXX deficiency, while the collector now claims $XXXX. This $XXXX discrepancy remains unexplained. The collector has also called me bi-weekly since XXXX XXXX without identifying themselves as debt collectors (violation of 15 U.S.C. 1692e(11)) and attempted an $XXXX settlement in XXXX XXXX while ignoring my legal right to verification."

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

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

Company 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 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/2024, I sent XXXX from XXXX to a XXXX address generated by PayPal. The transaction is fully confirmed on the XXXX XXXX ( XXXX : XXXX ), and the funds were never credited to my PayPal account. 
The original amount was approximately {$160.00}, and it is now worth about {$340.00} due to market value change. I have contacted PayPal multiple times, escalated to a manager and to XXXX XXXX, and have not received a resolution.

PayPal support has incorrectly said to contact the sender ( XXXX  ), despite the fact that PayPal generated the receiving address and controls that wallet. I am requesting that PayPal manually reconcile this confirmed deposit and credit my account.

I am submitting this complaint after repeated attempts to resolve this directly with PayPal, as they have not provided a case number or a timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Maxlend for a loan offered for {$750.00}. They accepted my inquiry and the deposit was later made to my account the following day. It appeared at the time to be a reputable lender as it was advertised to me on a XXXX XXXX XXXX. Later on, i agreed to make repayment shortly but they chose the amount {$250.00}. After making the last payment a few days ago on XX/XX/year> in the amount of {$240.00}, for a total repayment amount of about {$850.00}, they told me on the phone that I would need to make an additional 18 payments of {$240.00}. I was shocked and asked her to repeat the information to me several times. She confirmed that it was 18 payments that needed to be made. I retorted that that couldn't possibly be right, that would make the total repayment amount over {$5000.00} when the initial loan was for {$750.00} which they sent to me on XX/XX/XXXX and I've made every payment on time in the span of just three months. I believe I am in the right, and they are a predatory lender and I asserted to her that I would not be making any such payments at this moment forward. She accepted my refusal to make further payments and I quickly called my bank to put a stop payment on their business. the lender 's name is MaxLend. They also took {$240.00} on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/year>, a Bloomingdales American Express credit card application was submitted using my personal information without my knowledge or authorization. I learned of this after receiving a denial letter referencing application number XXXX. I did not apply for this credit card and have no knowledge of who submitted this application. This unauthorized application has resulted in an improper credit inquiry and potential harm to my credit profile. This appears to be identity theft, and I am requesting a full investigation and removal of any related inquiries or accounts.

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase has locked out my online access. Therefore I can not see my credit card account and business checking account. I am not able to make a payment online without access. Further Chase will not allow me to enter a a payment account from another bank. Hence I can not pay my credit card due to the actions taken by Chase.

Company response to consumer: Closed with explanation