vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding funds being withheld by Coinbase. Coinbase previously responded to my complaint stating that I am able to transfer my funds off the platform. However, this is not accurate in practice. My account remains restricted, and I am unable to complete any withdrawal or transfer. Each time I attempt to verify my identity or complete a transaction, the system places me in a verification loop that prevents any transaction from being completed. As a result, although Coinbase claims I can transfer my funds, they have not provided any functional method for me to do so. My funds have now been inaccessible for approximately XXXX year. I have contacted Coinbase support multiple times and requested the ability to withdraw my funds, clarification on the restriction, and a working solution. They have not provided a functional method to access my funds. I am requesting : XXXX restoration of withdrawal functionality, or A manual process to release my funds XXXX response appears to contradict the actual functionality of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding unauthorized charges on my credit card account handled by Comenity Capital Bank related to a XXXX purchase. I purchased a computer on XX/XX/XXXX, and made payments on XX/XX/XXXX and XX/XX/XXXX. No additional services were disclosed or authorized. However, I was charged for a service called Account Assure without my knowledge or consent : - XX/XX/XXXX : {$14.00} - XX/XX/XXXX : {$14.00} Total : {$29.00} I did not enroll in this program. There was no clear disclosure or authorization provided. I only became aware after reviewing my statements and had to cancel the service myself on XX/XX/XXXX. When I contacted customer service, I was repeatedly redirected between phone numbers with no resolution. I am requesting : XXXX. A full refund of {$29.00} XXXX. Proof of enrollment/authorization XXXX Review of this as an unauthorized billing issue If proof of authorization can not be provided, these charges should be refunded immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
entered into a retail installment contract to purchase a vehicle through XXXX XXXX XXXX XXXX XXXX, which was later assigned for servicing and collection to Bridgecrest Credit Company , LLC. Lack of Clear Disclosure / Pressure at Signing You were not given a clear explanation of : total cost financing structure down payment implications Add-on products XXXX XXXX XXXX, XXXX ) were : presented under pressure not clearly optional not fully explained Disputed Account + Demand for Verification You formally disputed the account You requested verification and documentation You made a good-faith presentment/tender Contradictory Statements by Bridgecrest They said : We reviewed your account AND ALSO We can not locate your account Continued Collection + Threatened Repossession Despite : your dispute lack of verification inconsistent records Failure to Prove Authority They claim to act as assignee/servicer But have NOT provided : full chain of assignment proof of entitlement to enforce Credit Reporting Issues Disputed information was still : reported not corrected not properly investigated Bridgecrest has attempted to enforce and compel arbitration XXXX on an alleged agreement they claim both to have reviewed and can not locate, while failing to verify the debt, establish a valid chain of assignment, or demonstrate that the agreement was properly formed with informed consent. I even argued that they demanded that Bridegcrest verify the existence of a valid debt, prove their authority through a complete chain of assignment, and establish enforceability of the agreement, including compliance with federal consumer protection laws such as the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and the Truth in Lending Act ( XXXX XXXX. XXXX ). They failed to provide competent verification and instead issued contradictory statements regarding the account, undermining their ability to enforce the contract or compel arbitration. they even through all of that entered into my premises through a do not enter warning sign posted and repossessed my vehicle when they couldn't prove or validate anything. I even tried discharging the debt using the cival money penalties. : Heres the clean, accurate summary ( keeping it grounded so it actually helps you ) : The civil money penalty tiers under the Federal Reserve XXXX ( XXXX XXXX. XXXX ( i ) ) establish escalating fines that federal regulators XXXX impose on banks or institution-affiliated parties for violations, unsafe practices, or misconduct, increasing from daily penalties ( Tier XXXX ) to substantial penalties for reckless or knowing violations ( Tiers XXXX and XXXX ). These provisions are enforcement tools used by regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I submitted a XXXX XXXX to Repayment application to the XXXX Department of Education on XX/XX/year> ( Case Number : XXXX ) related to my enrollment at the University XXXX XXXX. My claim alleges that the school misrepresented employment outcomes, CPA eligibility requirements, career services, and the value of the program. I enrolled in a master's-level accounting and finance program with the understanding that the program would help qualify me to sit for the CPA exam and advance my career. After completing the program, I learned that the coursework did not provide the accounting credits necessary to meet CPA eligibility requirements. As a result, I was unable to pursue the professional certification that was represented as a likely outcome of the program. My XXXX XXXX application has now been pending for several years without a final determination. Despite multiple inquiries, I have received only automated status updates stating that the application is still under review. Because my application was submitted in XX/XX/year>, it falls within the timeline covered by the XXXX v. XXXX XXXX XXXX settlement. I am requesting that the Department of Education provide a status update on my case and confirm that my application is being processed in accordance with the settlement timelines and borrower protection rules. I am requesting assistance from the CFPB in obtaining a clear response regarding the status of my XXXX XXXX application and ensuring that my case is being handled appropriately.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harris & Harris, Ltd.
State: NM

Complaint narrative:
I received a voicemail today XX/XX/XXXX from an individual identifying himself as " XXXX XXXX '' regarding a supposed debt. The message referenced a " final attempt '' and threatened legal action, including filing a lawsuit, but didn't identify a company. When I returned the call, I was told the debt has " no statue of limitations, '' which is misleading and appears to be false under New Mexico law. The alleged debt is from XXXX. No written validation of the debt has been provided. The caller used high-pressure tatics and vague legal threats. I believe this may be a deceptive or abusive debt collection attempt and request investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX amp XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AK

Complaint narrative:
I have a business account under square XXXX XXXX XXXX They blocked my account and said I would be able to transfer to my bank account after XXXX days. I waited the XXXX days and they still will not allow to transfer {$970.00}. It says account suspended it shows the balance but they will not allow the funds to be transferred to my bank account. No explanation is given by square

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CFS of Aurora IL LLC
State: IL

Complaint narrative:
I originally traded in my XXXX XXXX for an XXXX but during the process the XXXX engine blew out the first day and the dealership was going to put an engine with way more miles than the original motor on top of wanting me to pay for it! So the company I was financing with CFS decided that wasnt legal so cancelled and decided to terminate the finance. So now I have the finance on my credit report which they where supposed to cancel but never did and it is still on my credit report!

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I bank with current. My deposit came in today on XX/XX/2026. They offer a payday loan from your next check. The available balance I had was XXXX is what it said and it only gave me XXXX. They are falsely advertising payday loans amounts. They refuse to help at all. This happened because of a recent app update of theirs and a glitch in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Between XXXX and XX/XX/year>, I received a federal overpayment related to a XXXX XXXX discharge tied to the XXXX XXXX. Once certain loans were fully paid, the excess fundstotaling several XXXX dollarswere reallocated to other loans without my explicit authorization. I contacted the loan servicer multiple times requesting a full accounting of the overpayment, documentation of how and why the funds were reallocated, and a refund of any remaining credit balance. Each time, I received only generic responses and was repeatedly referred to supervisors who were unavailable. As a result, my loan balances remain unclear, the overpayment has not been refunded, and I have not received confirmation that my account is in compliance with federal loan regulations.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX XXXXays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Subject : URGENT : Systematic Violation of Regulation XXXX and Abusive Obstruction by PayPal ( Total Loss : {$2300.00} ) I am a full-time law student currently facing imminent eviction and extreme financial hardship due to a major security failure and subsequent legal non-compliance by PayPal , Inc . XXXX. Unauthorized Transactions and Card Lock Failure : Between [ Insert Start Date ] and [ Insert End Date ], over XXXX unauthorized transactions totaling {$2300.00} were processed to XXXX XXXX XXXX ( Jackpot Go ). Critically, many of these transactions were cleared by PayPal after I had explicitly placed a security lock on my card. This is a direct breach of my security commands and a failure of PayPal 's duty to protect my funds. XXXX. Deceptive and Illegal Merchant Activity : The merchant, XXXX XXXX XXXX, operates XXXX XXXX, which deceptively markets itself as a " legal sweepstakes '' to circumvent Maryland XXXX. In reality, it functions as an unlicensed, illegal interactive gaming platform. Under Maryland XXXX XXXX XXXX, these funds are a " common debt '' and are legally recoverable. Furthermore, the merchant has refused to process my legitimate " cash-out '' requests, effectively seizing my property. XXXX. XXXX and XXXX XXXX XXXX : PayPal has acknowledged the fraudulent nature of this activity by issuing XXXX minor credits of {$50.00} and {$10.00} for this same issue. However, they have refused to provide the mandatory provisional credit for the remaining balance of the {$2300.00}. Under XXXX CFR XXXX ( c ), if an investigation exceeds XXXX business days, the institution must provisionally credit the full amount of the alleged error. Issuing a 2.6 % partial credit is a bad-faith attempt to circumvent federal law. XXXX. XXXX XXXX on XX/XX/year> : On XX/XX/XXXX, I made multiple attempts to resolve this via telephone to prevent my eviction. Once I identified as a law student and requested the mandatory provisional credit under XXXX XXXX, PayPal representatives repeatedly and intentionally disconnected the calls. This " hang-up '' tactic was used to obstruct my legal right to dispute these charges and avoid their regulatory obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Collectors International, Inc.
State: NJ

Complaint narrative:
Debt Collectors International , IncXXXX claims I owe {$1100.00}, when the debt validation showed a balance of {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I lost my job and had to move out of an apartment I had stated renting for XXXX months, but NEVER moved into. I left with permission. Following this in XX/XX/XXXX ( XXXX weeks after move out ), I received an email from the rental office about damages and a bill for it, and when I called to obtain more information they declined to speak to me and sold the bill the very same day to collections. I found out, not from the rental company/management, but due to my now at risk of homelessness state as no apartment will rent to me due to this listed collections. Using XXXX XXXX and XXXX, I located the collection reported and I sent the XXXX a letter to obtain verification, and documentation owned to me as a tenant ( such as checklists of the condition upon move in, vs. move out, lease, etc. ) in XX/XX/XXXX. I have disputed via XXXX XXXX. The collection company themselves are not marking it as in dispute or acknowledging it at all.

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 2026-03-26 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: LA

Complaint narrative:
Validation of Debt Request - SPRING OAKS CAPITAL - XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MS

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nexXXXX XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation