vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 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: NJ

Complaint narrative:
I am submitting this complaint regarding an unauthorized transaction processed through my account with PayPal. On or about XX/XX/year>, an unauthorized party accessed my account and added a new recipient for purposes of sending a Friends and Family transfer. I did not add this recipient, nor did I authorize any transfer to this individual. Shortly thereafter, a transfer in the amount of {$530.00} was initiated to this newly added recipient. My primary funding source ( bank account ) declined the transaction, and my secondary funding source ( credit card ) also declined the transaction. Despite these declines, PayPal proceeded to fund and complete the transaction. At no point did I receive any notification that a new recipient had been added to my account. I only became aware of the issue after the transaction had already been processed and the recipient had received the funds. When my bank rejected the transfer, PayPal applied a negative balance of {$530.00} to my account and sent it to collections for me to pay. Upon discovery, I promptly reported the unauthorized activity to PayPal and disputed the transaction. PayPal denied my claim, asserting that the activity was consistent with prior account usage, without addressing the fact that ( 1 ) the recipient was newly added without my knowledge, ( 2 ) the transaction was not authorized by me, ( 3 ) the payment was completed despite multiple funding source declines, and ( 4 ) the transaction was completed on the same day as an unrecognized device logged into my PayPal account, which is evidenced by this screenshot. This situation reflects a failure in PayPals security and authorization controls. The platform allowed a new payee to be added and funds to be transferred without any meaningful user verification or notification, and then proceeded to override funding source declines to complete the transaction. I am requesting that PayPal reverse the unauthorized transaction and issue a full credit. I also request that PayPal provide a detailed explanation of how this transaction was deemed authorized despite the clear indicators of unauthorized access and payment activity. This complaint is being submitted because PayPal has refused to resolve the issue through its internal dispute process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding the purchase and financing of a XXXX XXXX XXXX. On or about XX/XX/XXXX, I purchased this vehicle from XXXX XXXX XXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX and was verbally informed that the total price, including taxes, was approximately {$55000.00}. However, the final Retail Installment Contract reflects a total financed amount of approximately {$87000.00}, despite a {$20000.00} down payment made at the time of purchase. While add-on products were included in the transaction ( including XXXX coverage, extended warranty, tire protection, and interior protection ), the total cost increase was not clearly explained in a way that allowed me to understand that the final obligation would significantly exceed the originally represented price. The structure of the transaction effectively neutralized my down payment and resulted in a substantially higher balance than expected. Additionally, in recent months, I have encountered issues attempting to obtain warranty coverage and resale valuation for the vehicle. Third parties have indicated concerns regarding the vehicles condition and eligibility stating that the vehicle is a lemon/ buyback, raising questions about whether its condition and history were clearly disclosed at the time of sale. I have attached supporting documentation, including the contract, add-on breakdown, and proof of down payment. I am requesting a full review and correction of this transaction, including : A detailed itemization of all add-on products and their individual costs Documentation of all disclosures and acknowledgments signed at the time of sale Clarification of how the final financed amount increased from the originally represented price Given the significant financial impact, I am requesting a review and correction of the account, including adjustment of the balance if appropriate.

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 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Formal Complaint about J.P. Morgan Chase N.A. system errors for many years. J.P. Morgan Chase N.A. is having a computer system problem client/account holder filing a formal internal complaint. ( Number XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I lived at XXXX XXXX XXXX for XXXX years. I paid my rent in full and completely cleaned the apartment before I vacated on XX/XX/25. I received a collection letter XXXX months later for an amount that is unexplained. I don't owe this alledge debt and hate that I'm sent to collections for moneys that I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I recieved a phone call from what I thought was Citizens Bank stating that I had fraud on my account on XX/XX/XXXX. They asked if I had sent a wire transfer or XXXX. I stated that I had not. They then proceeded to walk me through what they called a reverse transfer to document the fraud. The man I was speaking with put me on hold on and off for hours trying to resolve problem. I did not give them my social security number or any other personal information. They had me fill out the transfer with my name on it and what they called a confirmation code. They stated I would receive an email from the XXXX team, which I did, about the fraud process and another one to reset my online banking user id and password. I never recieved the email and at that point I called citizens bank customer service and we determined it was fraud. I spoke to a supervisor to fill out a claim and they said it would be taken care of on XX/XX/XXXX. The funds were then taken out of my account and 5 days later citizens alerted me that they denied my claim. I found out that the wire transfer was sent to an account in my name at XXXX XXXXXXXX XXXX I do not have an account at XXXXXXXX XXXX XXXX and they are stating that they have no record of an account in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX. The account listed as XXXX was reported on my credit report and I disputed this item on XX/XX/2025. Despite my dispute, the company verified the account without providing adequate proof or documentation to support the accuracy of the information being reported. This has negatively impacted my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I initially received a notice from Andreu, Palma, Lavin & Solis PLLC attempting to collect on this debt and replied that I disputed this debt. I then sent them a formal letter requesting for debt validation including the chain of assignments via certified mail on XX/XX/year>, and have yet to receive anything proving that they have ownership of this debt. I am requesting proof that they have a legal right to collect on this debt as indicated in my request for debt validation. They have only sent me statements on this account which does not prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I initially received a notice from XXXX, XXXX, XXXX XXXX XXXX XXXX attempting to collect on this debt and replied that I disputed this debt. I then sent them a formal letter requesting for debt validation including the chain of assignments via certified mail on XX/XX/year>, and have yet to receive anything proving that they have ownership of this debt. I am requesting proof that they have a legal right to collect on this debt as indicated in my request for debt validation. They have only sent me statements on this account which does not prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In 2014, I enrolled in the XXXX XXXX XXXX XXXXXXXX in XXXX XXXX program at XXXX University after admissions representatives and marketing materials promised robust career services and job placement support, including guidance from career advisors, rsum review, interview preparation, networking opportunities, and job leads. I relied on these representations when enrolling and taking out federal student loans. After completing the program, I repeatedly attempted to use career services and contact advisors for job opportunities, but I received no meaningful assistance or employment support. The program did not deliver the services or opportunities promised, resulting in lost career opportunities and financial harm from federal student loan debt. Attached evidence includes a XXXX catalog page, marketing screenshot, degree certificate, transcript/records note, Maryland authorization document , and Nelnet loan statement, which support that the program existed, I completed it, and I relied on the schools representations. I am seeking relief through the CFPB complaint process because the schools misrepresentations caused both lost career opportunities and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App regarding the permanent closure of my account due to alleged gambling activity, which is incorrect. Cash App claims my account was used for gambling-related transactions such as raffles or betting. However, this is a misinterpretation of my transaction history. For example, a transaction labeled raffle was simply my brother reimbursing me for a raffle ticket purchase. This was not participation in gambling activity. Additionally, transactions containing terms like game or game money referred to a football-related activity, not betting or wagering. A large portion of the flagged activity occurred when I was coordinating birthday expenses for my boyfriend. Multiple individuals sent me money so I could organize purchases and distribute funds for his celebration. This may appear as pooled or redistributed funds, but it was strictly for a personal event and not gambling. All transactions on my account were legitimate personal payments, including shared expenses, reimbursements, gifts, and social coordination. I attempted to resolve this directly with Cash App and provided context, but my appeal was denied without identifying specific transactions or conducting a meaningful review. I am requesting that Cash App provide detailed evidence supporting their claim and conduct a proper manual review of my account. If this action was taken in error, I request that my account be reinstated. At minimum, I am requesting transparency regarding which transactions were flagged and how they were determined to be related to gambling. This closure has caused inconvenience and concern, and I believe I am entitled to a fair and accurate review. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am currently in the process of trying to purchase a home, and as part of this, a mortgage lender performed a soft credit inquiry with my permission. Upon reviewing the results, I was shocked to discover that multiple accounts are being reported under my name by creditors I do not recognize and with whom I have no known relationship. I had not previously checked my credit because I did not know how to access or understand it. However, this recent review has revealed what appears to be fraudulent or inaccurate accounts that are severely harming my reputation, creditworthiness, and ability to qualify for a mortgage. I have not received any validation or supporting documentation from these creditors to prove the legitimacy of these accounts. Despite this, they continue to report negative information, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, this reporting violates my right to privacy and accuracy under : XXXX U.S.C. XXXX which prohibits furnishing a credit report without proper purpose or written authorization. XXXX XXXX. XXXX ( b ) which requires credit reporting agencies to ensure maximum possible accuracy. XXXX XXXX. XXXX & XXXX which require disclosure and reinvestigation of disputed information. XXXX XXXX. XXXX ( XXXX XXXX ) which mandates the blocking of fraudulent information resulting from identity theft. These unauthorized accounts are damaging my credit score and delaying my home purchase, all while no creditor has provided any documentation proving that these debts are valid or even belong to me. I am formally requesting that these unverified accounts be removed immediately from my credit report. Their continued presence constitutes both a privacy violation and defamation of my character, and I am asserting my rights under the FCRA for full correction of my file.

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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OR

Complaint narrative:
On or about XXXX, I opened a new account with KeyBank and deposited a {$5000.00} insurance check issued by ESIS ( through XXXX XXXX XXXX ) related to a burglary claim. KeyBank placed an extended hold on the check, and I waited approximately XXXX weeks, until XX/XX/XXXX, before being informed that the funds were available. Relying on this, on XX/XX/XXXX, I paid a {$300.00} deposit toward purchasing a vehicle and planned to complete the purchase the following day. However, on XX/XX/XXXX, my account was unexpectedly frozen due to a further investigation of the same check, and I was unable to access my funds. On XX/XX/XXXX, I went into a KeyBank branch in person, verified my identity, and completed a notarized affidavit as requested. I was told this would be submitted immediately and that the issue would be resolved within approximately XXXX business days. On XX/XX/XXXX, I was contacted by KeyBank and asked to return to complete the same notarized affidavit again. This indicated that my original notarized statement had not been properly submitted, causing additional delay. I have since returned to a branch again, on XX/XX/XXXX, where I was able to access unrelated funds only after staff temporarily removed and then reinstated the restriction. I was also told the issue may be related to an address discrepancy between the check and my account, which I explained : my account uses my permanent address ( my mothers address ), while the check was mailed to my temporary address. Despite fully complying with all requests, including identity verification and notarized documentation, my funds related to this check remain restricted or delayed. As a direct result of these delaysparticularly the failure to properly process my notarized statementI lost a {$300.00} deposit on a vehicle because I could not access my funds in time. Additionally, I am now at risk of eviction because I can not access my funds to pay past due rent. Actions taken by me : - Deposited a legitimate insurance check - Waited for extended hold to clear - Verified identity in person at a branch - Completed and signed a notarized affidavit ( twice due to bank error ) - Followed up multiple times in person and by phone Actions taken by KeyBank : - Placed extended hold on funds- Froze account after initially making funds available - Failed to properly submit required notarized documentation - Requested duplicate documentation, causing further delay - Continued restricting access despite completed verification This situation is urgent due to my risk of eviction, and I am requesting prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I owe this company nothing I have no signed contract neither has this company given me any products or services

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: FL

Complaint narrative:
I have been attempting to work with federal student aid XXXX for a couple of years now and have been unsuccessful. My chief complaint is that I should qualify for the XXXX discharge however, I am missing qualifying payments with no reasonable explanation. I signed the limited waiver for XXXX before the deadline and I can see that it is on file in the web portal. However department refuses to acknowledge what qualifies under the limited waiver and can not provide an explanation as to my missing payments. I have open several cases and all of them have been rejected. Currently there is no record of payments made from XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. This results in XXXX payments that not only dont count but also cant be included in the buyback program. That is in addition to the XXXX payments that do show but do not qualify. I have been working for the same non-profit organization since XXXX of XXXX. This amounts to XXXX years and XXXX months of service, all of which should qualify for the buyback program at the very least under the limited waiver. Please review my case and provide guidance to both myself and the XXXX department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NJ

Complaint narrative:
Cash app closed my account talking but unusual transactions from door dash when I do XXXX XXXX and use cash app to cash app and today I got paid and my money isnt there I called my job and they said it have been sent out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
This complaint concerns a dispute currently under review by my credit card issuer ( Citibank ). Product/Service : Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue Type : Billing Dispute Misrepresentation / Services Not as Described Complaint : I am filing this complaint regarding a charge of {$2200.00} for airline tickets purchased through Booking.com. This dispute arises from materially incorrect information provided by the companys customer service, which I relied upon to make a financial decision that resulted in loss. On XX/XX/year>, at XXXX AM, I contacted XXXX regarding tickets purchased on XX/XX/year>. During that call, I asked whether the tickets were refundable. The representative explicitly stated that the tickets were refundable within XXXX hours and that I would receive a refund of the fare, minus only taxes and fees. She confirmed that I could cancel within that timeframe without issue. Relying on this information, I rebooked replacement flights for the same passengers and dates at XXXX PM on XX/XX/year>. At XXXX PM the same day, I contacted XXXX to cancel the original booking. At that time, I was informed by a different representative that no such XXXX refund policy existed and that canceling would result in a loss of {$890.00}. I made multiple attempts to resolve this issue and requested escalation, including a review of the original call recording. Despite repeated assurances of follow-up, I did not receive any meaningful response. On XX/XX/year>, I contacted XXXX again and requested a review of internal notes from my XX/XX/XXXX call. A representative confirmed that the notes state : Advised the customer that tickets were refundable Advised of XXXX policy. This internal documentation confirms that I was explicitly told there was a XXXX refund window. I relied on that representation when making a second purchase. This is not a dispute about policy. It is a case of misrepresentation. I was provided incorrect information by the companys agent and reasonably relied on that information to my financial detriment. XXXX has not acknowledged the error or provided a meaningful review despite multiple requests. Resolution Requested : * Full refund of the original booking * No penalties or adverse action related to the replacement booking * Review and consideration of call recordings and internal documentation as part of this determination I am currently disputing this charge with Citibank and request that this complaint be forwarded to Booking.com for formal response and resolution. I am prepared to provide supporting documentation, including call logs and a detailed timeline, upon request. Sincerely, 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