vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My complaint is regarding the cryptocurrency feature on PayPal. I signed up for it a few months ago and completed the verification process as requested. I purchased over {$100.00} worth of cryptocurrencies, and everything seemed to go fine. But now, I am unable to sell the crypto assets in my account. I keep getting an error message stating there is a problem.

When I contacted PayPal customer service, I got different answers about the reason for the problem. Here are the various answers I got : XXXX  ) The first agent said I had to go through a verification process ( even though I already did before ) and that it would take XXXX to XXXX hours. I waited XXXX hours, but it didn't work. 

XXXX ) I called customer support again, and another agent said that I had used a VPN when logging into PayPal and that it triggered a XXXX restriction on XXXX trading. I waited the XXXX  days, and I still could not sell my crypto. 

XXXX ) Then I contacted customer support a XXXX  time, and the agent told me that every time I attempted to make a crypto transaction during the restriction period, it would restart the XXXX restriction all over again. So, I waited XXXX  days again without attempting to make another crypto transaction, and still, I am unable to sell my crypto assets. 

I don't know what to believe anymore. I feel like I'm just getting the run-around from PayPal 's customer support. I already verified myself and stopped using VPNs, so I shouldn't have to be restricted from selling the cryptocurrency that I already bought on PayPal. I would like my crypto trading abilities restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
I am filing this complaint regarding XXXX XXXX  refusal to reimburse a confirmed unauthorized ACH withdrawal of {$340.00} from my business account. 

The unauthorized debit posted to my account on XX/XX/XXXX. I discovered the transaction and filed a dispute on XX/XX/XXXX. 

The merchant name displayed in my online banking interface was XXXX XXXX XXXX XXXX. After my claim was denied, I contacted the merchant directly. The merchant confirmed he did not initiate the charge and that I am at least the XXXX  person to contact him regarding the same fraudulent transaction. 

My local XXXX branch XXXX reviewed the transaction and informed me that the backend merchant identification number was associated with XXXX. He specifically stated, I dont understand why the names are not matching, and advised me to contact XXXX XXXX When I contacted XXXX, they confirmed I am not their customer, that they could not have authorized the transaction, and that the matter should be handled by my bank as fraud. 

This establishes that the withdrawal was unauthorized and part of a broader fraud pattern, not a customer error. 

Additionally, XXXX previously notified me that my personal information, including my name, Social Security number, and account number, was exposed in the XX/XX/year> XXXX data breach affecting their service provider. The exposure of account numbers significantly increases the risk of unauthorized XXXX withdrawals. Despite this known risk, XXXX is refusing to reimburse the fraudulent transaction and is relying solely on a short internal reporting window for business accounts. 

When a bank has confirmed that customer account numbers were exposed in a breach, it has a heightened obligation to monitor for suspicious activity and investigate fraud claims in good faith. The existence of multiple victims tied to the same fraudulent transaction further demonstrates that this was a detectable fraud pattern. 

XXXX refusal to assist leaves me responsible for a fraudulent transaction that occurred after my account information was exposed through no fault of my own. 

I am requesting that the CFPB require XXXX to : Reopen my fraud claim Reimburse the {$340.00} unauthorized withdrawal Provide documentation of its fraud monitoring and investigation procedures related to this transaction Explain what safeguards were implemented after the breach to protect affected customers

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 monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AZ

Complaint narrative:
What Happened? 

Cash App processed XXXX unauthorized {$7.00} XXXX XXXX charges totaling {$68.00} from XX/XX/XXXX through XX/XX/XXXX, despite my immediate revocation of authorization and XXXX separate requests to permanently block this merchant. 


Transaction Pattern : XX/XX/XXXX : {$7.00} XXXX XXXX  XX/XX/XXXX : {$7.00} XXXX XXXX  XX/XX/XXXX : {$7.00} XXXX XXXX  XX/XX/XXXX : {$7.00} XXXXXXXX XXXX XXXXXX/XX/XXXX : {$7.00} XXXX XXXX XXXXXX/XX/XXXX : {$7.00} XXXXXXXX XXXX XXXXXX/XX/XXXX : {$7.00} XXXXXXXX XXXX XX/XX/XXXX : {$7.00} XXXXXXXX XXXX XXXXXX/XX/XXXX : {$7.00} XXXX XXXX  Key Facts : My bank blocks identical {$76.00} XXXX XXXX attempts every night at XXXX AM, proving systematic fraud Cash App ignored [ XXXX ] Cash App admits they can block XXXX XXXX  ( they blocked larger charges ) but refused my XXXX block requests Investigation started XX/XX/XXXX ( XXXX days unresolved, no provisional credit ) Cash App 's response : " Complaint logged, no further action needed '' despite ongoing violations Regulation XXXX Violations : XXXX XXXX XXXX ( b ) : XXXX liability for unauthorized EFTs ( I qualify ) XXXX XXXX XXXX ( c ) : No provisional credit within XXXX  days ( XXXX  days overdue ) Willful non-compliance : Continued charges after notice Attached : XXXX screenshots + detailed PDF complaint documenting all communications, transaction history, and Cash App 's refusal pattern XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Health Corporation
State: KY

Complaint narrative:
My XXXX advantage paid this XXXX  have transcript of conversation with them stating they paid it XXXX  owe nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Company called at XXXX on XX/XX/year>. I called them back at XXXX, informed the lady that answered that I had a missed call. I was then transferred to another lady and she confirmed my name and I said this is her. She then proceeded to try to have me verify to my address. I asked her what this was regarding to which she said " a personal matter '' and would not elaborate further. It wasnt until after I verified my address that she told me they were a debt collector attempting to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am deeply frustrated and discouraged that the inaccurate accounts are still listed on my credit report and were not taken off. This has been weighing heavily on me. I am begging for a full and serious review of the documents I provided so that this can finally be fixed and I do not have to keep stressing over this any longer.

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 2026-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am deeply frustrated and discouraged that the inaccurate accounts are still listed on my credit report and were not taken off. This has been weighing heavily on me. I am begging for a full and serious review of the documents I provided so that this can finally be fixed and I do not have to keep stressing over this any longer.

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 2026-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I'm disputing inaccurate/unverified credit reporting with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent written disputes since the month of XXXX and provided documents ( attached ). The companies did not correct, verify properly, or mark the items as disputed, contrary to the FCRA/FACTA ( and FDCPA ). 

Please require deletion/correction of the specific items listed in my attachments across all bureaus, or provide proper verification ( method of verification and source ). Also confirm changes in writing.

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 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NE

Complaint narrative:
I requested that Credence Resource Management sent me the following information : An itemized statement showing the original amount, interest, fees, and payments. 
A copy of the contract, agreement, or signed document creating the debt. 
Proof of the chain of title ( if the debt was sold ) and the legal right to collect. 

Credence provided a final bill from XXXX XXXX and a paper on their letterhead with an account number on it. no further verification was provided even though I have requested it three times over now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I am filing this complaint against PayPal regarding a {$14000.00} transaction in which I paid for merchandise that was never received. 



On XXXX, I used PayPal to pay for an item purchased through XXXX. I authorized the payment at the time of purchase. The seller marked the item as shipped ; however, no valid tracking information was ever provided, and I never received the merchandise. The listing was later removed from XXXX platform. 



I filed a dispute with PayPal for Item Not Received. Instead of conducting a meaningful investigation, PayPal closed my case after the listing was removed. I was not provided proof of delivery, valid tracking confirmation, or sufficient explanation for the denial. 



As a consumer, I relied on XXXX XXXX XXXX program when making this high-value purchase. PayPal failed to adequately investigate the claim and denied my dispute despite the fact that no proof of delivery exists. 



This has resulted in a {$14000.00} financial loss and significant hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Date/Time of Call ( s ) : Monday, XX/XX/year>, at XXXXXXXX XXXX XXXX : I received a call from a debt collector. As soon as I answered and said hello, they immediately hung up. No voicemail was left, and I did not receive a call back. 

Today, XX/XX/year>, at XXXX PM XXXX : I answered another call from the same debt collector. They mentioned they were a debt collection agency and referenced the company I owe money to, which I am aware of. When they asked for my address for " security purposes, '' I only provided my street name. As soon as I finished saying it, they immediately hung up, and no call back was made. 

Previous Communication with Creditor : I have already spoken with the company I owe money to, and they approved an arrangement where I can continue making payments, even if it means not paying the full balance, under the understanding that the debt collection calls would stop. Despite this arrangement, I have continued to receive calls from the collection agency at least once a week for over a XXXX, and they have not left any voicemails. 

Issue with Debt Collectors Behavior : I am uncomfortable speaking to this debt collection agency further. Their behavior is unprofessionalhanging up immediately after I answered their calls and failing to leave any voicemails. 

I have been consistently paying my bill with the company I owe to, as agreed, and feel that the continued calls are unnecessary and distressing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Over XXXX month ago, XX/XX/XXXX, I attempted to close my account and reported my card lost or stolen. I have had charges that I did not approve of and refuse to pay from XXXX XXXX XXXX. They refuse to give me a phone number contact for XXXX and stated that anyone could charge my card and did not need a phone number. This is ridiculous. Despite this Capital One and their call center located in an XXXX country that is currently building robots to kill us with is violating my privacy rights. They have changed my card number and failed to notify me what that is or to issue a new card. Yet they are allowing companies to charge my card without my permission. They refuse to explain how these companies got my new card number. Instead they continue to prod me asking me if this was a recurring charge that I approved of so that they could continue keeping my account open without my permission. They have failed to change my phone number as requested. They have transferred me to XXXX different Representatives : XXXX, XXXX, and last Trivia on XX/XX/XXXX who refused to cancel these charges and close my account. They have claimed it would take XXXX  days to investigate these charges. They are clinging to me like a parasite. 

They recorded my call without permission and asked me questions that are none of their business. They're automated system does not hear what you're saying and is dysfunctional. They're refusing to allow me to access my account online or allow me to change my phone number which I have repeatedly attempted to give them : XXXX and that the number ending in XXXX is no longer in service. Despite all this they are making it extremely difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: DC

Complaint narrative:
In XX/XX/XXXX, I paid off what I believed to be my full credit card balance of {$100.00}. During that same call, I requested a replacement card because I had lost my card. I subsequently lost the replacement card as well and never activated it. 

On XX/XX/XXXX, I received an email from Discover stating : We sent the new card you requested in a plain unmarked envelope. If you can't find your new card or haven't received it, please contact us. 
I did not activate this card and did not use the account after paying off the balance in XX/XX/XXXX. 

On XX/XX/XXXX, I again requested a replacement card. On XX/XX/XXXX and XX/XX/XXXX, I received emails from Discover stating that my old card had been deactivated and that I needed to activate my new card in order to make purchases. The XX/XX/XXXX email specifically stated : As a reminder, we closed your old account and deactivated your card ( XXXX ) ending in XXXX to help protect your information. To start making purchases, activate your new card ( XXXX ) right away. 

Additionally, on XX/XX/XXXX, I contacted Discover because I was unable to access my account online. Discovers find my account or password reset feature does not recognize my Social Security number or date of birth. I have been unable to gain online access to my account. 

Under the clear impression that my old card had been deactivated, my replacement card had never been activated, and no purchases could be made without activation, I was surprised to see that on XX/XX/XXXX, a {$190.00} charge from XXXX was posted to my account. 

On XX/XX/XXXX, I contacted XXXX billing assistance/customer service department regarding this charge. On XX/XX/XXXX, I called to make a payment and was informed that the balance was now {$200.00} ( including additional charges or interest ). 

During the XX/XX/XXXX call, I was also informed that I do not have an online account associated with the new card number because it is considered a new account. As a result, I have no ability to access statements, monitor charges, or make payments online. 

My Concerns : XXXX ) I was told my old card was deactivated and that purchases could not be made until the new card was activated. 
XXXX ) I never activated the replacement card. 
XXXX ) A subscription charge was nevertheless allowed to post to the account. 
XXXX ) I have been unable to access my account online because Discovers system does not recognize my identifying information. 
XXXX ) I was not provided a functional online account to monitor or pay the balance. I was only told till yesterday it was because I did not have an online account for my " new account. '' Interest and additional charges have accrued on a balance I could not monitor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX we had XXXX unauthorized fraudulent checking account withdrawals totaling {$1200.00} from a USAA ATM machine in XXXX, MD using my debit card number and pin number. I had used the same ATM on XX/XX/XXXX without issue. The following day, XX/XX/XXXX, XXXX unauthorized fraudulent transactions of {$200.00} each were taken from the same ATM using my debit card number and pin. As soon as my husband found out on XX/XX/XXXX, he immediately reported to USAA that day that money had been stolen from our account and instructed them to cancel our debit cards. USAA confirmed to him in that call that our debit cards had been canceled, as per his request. He also filed a police report. 
From XX/XX/XXXX to XXXX, XXXX I was in XXXX, IL for my work. I had my debit card in my possession at all times. 
On XX/XX/XXXX XXXX further {$200.00} unauthorized fraudulent withdrawals were made from the same ATM in XXXX, MD, despite USAA having confirmed that our debit cards had been canceled on XX/XX/XXXX. Clearly, as acknowledged by a USAA agent on XX/XX/XXXX when my husband discovered and immediately reported these additional fraudulent withdrawals, they had not been canceled on the XXXX, and the USAA agent said they had put in concerns within USAA that they had not been canceled by USAA. 
USAA has investigated these unauthorized fraudulent ATM withdrawals and denied that these were fraudulent withdrawals ( except for XXXX of the XXXX on XX/XX/XXXX ). Why they would agree that one was fraudulent but not the others is, at a minimum, bizarre and illogical. They have refused to reimburse us our funds. 
A USAA employee today XX/XX/XXXX, said on behalf of USAA 's CEO that the reason for this is because it is " difficult '' to counterfeit or replicate chip-enabled cards. The police, however, told us that this is a common type of fraud- ATM " skimming '' and " shimming. '' USAA initially issued, then reversed temporary credits. They also seem to think that I could have been in XXXX places at the same time and that both my husband ( a member in good standing of USAA for XXXX years ) and I have been lying to them in reporting this fraud, which we would have no reason for.

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 monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hi there, I just got a letter today from Barclays credit card that they were transferring my credit card to XXXX XXXX. I have no desire to move it over. I paid the {$99.00} annual fee with the intention to use the Barclays credit card. I called them today and asked even for a partial refund as I don't want to continue the card because of this buyout from XXXX. I can understand being charged this if they were continuing their services for the entire year but they are not. Their customer service was horrible and said there was no way they can waive the fee. They said I can close out the card. 
I think this fee needs to be refunded as they are not honoring the full XXXX  commitment to be in business and manage this card. 

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
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
I am filing this complaint because KeyBank is withholding {$12000.00} of my funds following a {$15000.00} XXXX cashier 's check deposit. After the funds cleared and I used {$2900.00}, and then made a wire to XXXX to purchase assets and store, KeyBank froze my account and requested I sign a sworn statement regarding the source of funds. I complied and signed this statement at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Direct Line : XXXX Branch Line : ( XXXX on [ XX/XX/year> ]. 

Despite my full cooperation, KeyBank has closed my account and is refusing to release the remaining {$12000.00} to me or initiate a return to the issuing bank ( XXXX ). They are demanding the sender initiate a refund, which is causing an unreasonable delay. I am requesting that KeyBank immediately release these funds or provide a formal verification of the return to XXXX so the funds can be recovered.

Company response to consumer: Closed with explanation