vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Fundo LLC
State: OH

Complaint narrative:
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : CEASE AND DESIST DISCHARGED DEBT / BANKRUPTCY NOTICE To Whom It May Concern : This letter serves as formal notice that the debt you are attempting to collect from me has been discharged in bankruptcy. I filed for bankruptcy under XXXX XXXX in the United States XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX Case No. XXXX, and received a discharge on XX/XX/XXXX. Under the discharge order issued pursuant to 11 U.S.C. 524, you are permanently enjoined from any attempt to collect, assess, or recover this debt as a personal liability. Despite this, I have continued to receive collection attempts from your organization regarding this discharged debt. Such actions constitute a violation of the discharge injunction under federal law. Accordingly, you are hereby demanded to : 1. Immediately cease and desist all communication with me regarding this debt ; 2. Cease all collection activities, including phone calls, letters, emails, and credit reporting ; 3. Correct any inaccurate reporting of this debt to credit reporting agencies ; and 4. Provide written confirmation within ten ( 10 ) days that you have complied with these demands. Be advised that continued attempts to collect this discharged debt may result in legal action against you for violation of the bankruptcy discharge injunction. I reserve all rights to seek damages, including attorneys fees and sanctions, through the bankruptcy court. This letter is sent without waiver of any rights or remedies available to me under applicable law. THIS IS YOUR LAST AND FINAL NOTICE! I WILL PERSUE LEGAL ACTION AGAINST FUNDO, LLC. IF THEY CONTINUE ANY COLLECTION EFFORTS AGAINST XXXX XXXX XXXX! FUNDO, LLC. HAS BEEN LISTED PROPERLY AND THIS DEBT HAS BEEN DISCHARGED IN A BANKRUPTCY PROCEEDING! YOU ARE BEING ADVISED TO STOP! YOU WAS NOTIFIED PROPERLY OF DISCHARGE BY THE BANKRUPTCY COURT IN ACCORDANCE WITH THE UNITED STATES OF AMERICA BANCKRUPTCY LAWS! Enclosures : XXXX Pages Order of Discharge XXXX Pages Email from XXXX, XXXX. Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX Sent Certified with delivery confirmation on XX/XX/XXXX, emailed to XXXX and XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding unauthorized access and transactions on my Coinbase account, which resulted in a complete loss of my funds. On or about XX/XX/year>, my account was accessed from an unknown device/location without my authorization. Following this access, my cryptocurrency holdings were liquidated and the proceeds were used to purchase a token labeled XXXX. This token currently shows an approximate balance of {$26000.00} in my account. However, it is not tradable or supported on Coinbase, and I have no ability to convert or withdraw these funds. As a result, this balance is not realizable and represents a complete loss of my original assets. This is not a market loss. My assets were sold and converted without my authorization into an illiquid and unusable token, leaving me with no practical way to recover my funds. I promptly reported this to Coinbase and opened a support case, which was denied within a short period of time. I then escalated to a formal complaint with Coinbase and provided supporting documentation, including screenshots. I am requesting that Coinbase : Investigate the unauthorized access and transactions Explain how these transactions were permitted Restore the value of my original assets prior to the unauthorized activity Given the nature of the unauthorized access and the resulting financial harm, I believe this situation warrants full reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
Purchased the card on XX/XX/year> from XXXX XXXX was placed on hold on XX/XX/year>. Contacted customer service then and was told I would be getting a check in the mail for {$250.00} due to possible fraud. Case number XXXX would expedite the check and I would have it in XXXX business days. Called multiple times thru out waiting on refund check and have yet to receive it after XXXX days. Being told that the money is still on the card and no refund has been issued yet. Have tried to speak with managers multiple times and get placed in hold for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: GA

Complaint narrative:
They emailed me or maybe online for a {$300.00} loan and then the terms were well over XXXX times the loan amount. Before I received the terms it was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klarna AB
State: CA

Complaint narrative:
Emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that should not even be on my record. This has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree to, and I didnt sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. They didnt follow the proper XXXXstep validation procedure. According to the FDCPA, I am entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. Account was XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I rented from XXXX XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX. I called them and left a voicemail at the beginning of XX/XX/XXXX advising them I was moving out. I left in the voicemail for them to contact me if they needed anything else. I received a voicemail back stating they needed written notification. At that time I went into the resident portal and submitted a message stating this was my written notice. I again asked them to let me know if they needed anything else. I did not hear back until XXXX when I received another voicemail. I again left them a voicemail advising I had submitted it in writing through the portal and to let me know immediately if a form was needed. I never heard back. To be safe I again submitted it through the portal. I also left them another voicemail. I never heard anything from them until XXXX. They again stated they had never received anything. At this time I emailed and called their corporate office. Again I never received a response. When I received a letter from their corporate office station I owed them {$2500.00} I requested proof. I requested proof as they are charging me {$500.00} for not letting them know I was moving out, it does not look like they deducted my deposit, pet deposit, or pet rent from the balance. they have never sent me anything. I have mailed multiple letters, emailed and called their corporate office, I have mailed out certified letters and disputed it multiple times on my credit report. This information needs to be removed or corrected. I advised them I would pay the balance with those amounts removed and they have ever done or responded to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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

Complaint narrative:
On XX/XX/scrub> 2026, PayPal permanently limited my account without any prior notice. At the time of restriction, my account balance was {$5400.00} USD. I contacted PayPal support on the same day. The representative informed me that the limitation was permanent due to risks detected by the system, but did not provide any specific reason, nor did they specify which policy I allegedly violated. They only stated that my funds would be held for XX/XX/XXXX days and then released, without offering any meaningful appeal process. I have never had any disputes, chargebacks, or policy violations on my account. I am requesting that PayPal either fully restore my account access or immediately release my funds to my linked bank account, as the indefinite hold causes financial hardship. I have already attempted to resolve this directly with PayPal, but they refused to provide further details or reconsider the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: TX

Complaint narrative:
Validation of Debt Request - JEFF.CAPSYS - XXXXXX/XX/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 XX/XX/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 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I am writing to formally dispute a series of fraudulent transactions on my Coinbase account and to demand the immediate reversal of those transactions and a full refund of {$20000.00} in cryptocurrency. On XX/XX/XXXX, my phone was stolen in XXXX. The thief gained unauthorized access to my Coinbase account and proceeded to fraudulently transfer all of my cryptocurrency holdings, totaling {$20000.00}. They also made unauthorized deposits of {$10000.00} using my Bank XXXX XXXX account details and fraudulently transferred those funds as well. The fraudulent nature of these transactions should have been apparent. Specifically : My account had been largely inactive since XX/XX/XXXX, with no history of high-volume trading yet the thief executed over XXXX transactions within XXXXXX/XX/XXXX. The very first transaction was a {$7800.00} deposit immediately followed by a {$7800.00} transfer within minutes a textbook fraud pattern that should have triggered additional verification, such as facial ID recognition. I reported the incident promptly on XX/XX/XXXX - as soon as I became aware of the transactions. Coinbase 's own investigation, completed on XX/XX/XXXX, confirmed these transactions were fraudulent. I also reported the incident to the police, and have included a police report. Under the Electronic Fund Transfer Act ( XXXX ), Coinbase as a financial institution within the meaning of the Act is required to investigate reported unauthorized transactions and credit the account upon a finding of fraud. Coinbase has made that finding, yet has failed to comply with its obligations under the XXXX by refusing to reverse these transactions. I am formally requesting : XXXX. A full refund of {$20000.00} in cryptocurrency XXXX. Reversal of all fraudulent transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am submitting this complaint as an escalation regarding ongoing inaccurate credit reporting by ProCollect Inc. regarding an account in the amount of {$7500.00}. Despite prior disputes, ProCollect continues to report this account in a materially misleading and inaccurate manner, including : Reporting the account as opened XX/XX/XXXX, which misrepresents the true age and nature of the alleged debt. Reporting the account as open, implying an active credit obligation when it is a collection account. Continuing reporting during active disputes without proper verification. Reporting an incorrect balance, inconsistent with prior communications and documentation. Causing documented financial and housing harm, including a denial from XXXX, a tenant screening company. Legal Escalation Notice : A formal lawsuit has already been filed in XXXX XXXX, Florida , County Civil Court : Case Number : XXXX Department / Division : County Civil, CC-N Plaintiff : XXXX XXXX XXXX Defendant : ProCollect, Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Judge XXXX XXXX XXXX XXXX Case Status : OPEN File Date : XX/XX/XXXX Court Documents Filed / Key Events : XX/XX/XXXX Complaint for Damages and Injunctive Relief ( {$30000.00} {$50000.00} ) XX/XX/XXXX Summons Issued to ProCollect , Inc . Indigency Application Filed and Approved Case Management Plan set for Non-Complex County Court case Impact / Harm : Housing denial from XXXX due to inaccurate reporting Ongoing credit damage and misrepresentation on consumer reports Material interference with financial and personal stability

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XXXX XXXX i made a purchase on XXXX from XXXX 's using my XXXX account and was also charged on my Chime account, both transactions were paid and when I went to XXXX they said only one was charged and not both accounts however they were I disputed it with chime and the denied my claim as well. I have proof funds were taken from both my accounts for the same order

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding inconsistent credit reporting by Bank of America on my credit card account. A payment issue occurred in XX/XX/year> due to an autopay disruption during a period when the account had a negative balance from refunds, and no clear notification was provided when the balance later became due. The balance was paid immediately upon discovery. However, the way this event is being reported across credit bureaus is inconsistent and unreliable. The same account is currently reported as follows : XXXX shows a 30 day late payment in XX/XX/year> XXXX shows a 30 day late payment in XX/XX/year> XXXX shows a 60 day late payment in XX/XX/year> These discrepancies can not all be accurate. A single payment event can not be reported in different months and at different levels of severity across bureaus. Additionally, XXXX reports a 60 day delinquency while also showing a zero past due balance and a payment made during the same period, which is internally inconsistent and does not align with standard delinquency reporting. I have disputed this issue with both the credit bureaus and the creditor. Instead of correcting the reporting, the creditor has continued to report conflicting and inconsistent information across different agencies. I am requesting that Bank of America correct the reporting to ensure it is accurate, consistent, and compliant with the Fair Credit Reporting Act.

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 2026-03-23 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Re : Amex Dispute Ref. XXXX XX/XX/XXXX : I filed a billing dispute with American Express regarding a {$5100.00} charge from XXXX XXXX XXXX XXXX. The charge was a prepayment for alleged vehicle damage following an accident. Despite repeated requests over approximately three months, XXXX XXXX failed to provide documentation showing the actual repair costs or a final invoice. I initiated the dispute to remove the charge and avoid ongoing interest accrual. XX/XX/XXXX : American Express initially resolved the dispute in my favor and issued a credit. However, they later reversed the decision and re-billed the charge, stating that I had an open rental car insurance claim through my American Express XXXX card benefits. This insurance claim had been filed only as a contingency in case XXXX ultimately provided repair documentation, which never occurred. I was not seeking duplicate reimbursement. XX/XX/XXXX Present : I reopened the billing dispute on XX/XX/XXXX. Since then, American Express has repeatedly delayed the stated resolution date first from XX/XX/XXXX to XX/XX/XXXX, and most recently to XX/XX/XXXX. Despite multiple calls requesting clarification ( most recently on XX/XX/XXXX ), American Express has provided no substantive explanation for these delays. The original dispute was resolved in approximately one month, and I have been given no clear reason why this refiled dispute remains unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am filing a formal complaint regarding the handling of both my personal savings account and business checking account associated with XXXX XXXX XXXX by U.S. Bank. In early XX/XX/year>, I attempted to open an additional business package account to support my business operations and to receive incoming influencer payments. During this process, U.S. Bank requested additional verification and documentation. I attempted to upload the requested information through the online portal but encountered technical issues. I then contacted customer service and was provided with an email address ( XXXX ) to submit the requested documents. I complied and submitted all requested documentation on XX/XX/year>. On or around XX/XX/year>, I followed up by telephone regarding the status of my submission. During that interaction, I was informed that the email address I was given was considered internal and not intended for customer use. Shortly thereafter, I was notified that both my personal savings and business checking accounts were being closed following an alleged fraud review. At no point did any fraudulent activity occur on either account, nor was any fraudulent activity substantiated or demonstrated to me. I made every effort in good faith to comply with the banks request for documentation. As a result of the account closure, I was unable to fund my accounts or continue normal account activity. My business account was left in a negative state, and I was unable to receive incoming payments or operate my business effectively, resulting in financial and operational harm. I also incurred costs for checks and other account-related expenses that are now unusable. Additionally, I do not have access to a nearby U.S. Bank branch in New York XXXX which significantly limited my ability to resolve this issue in person. I am requesting the following resolution : A full investigation into the account review and closure A written explanation for the alleged fraud review and account closures Reinstatement or reopening of my accounts, or a comparable resolution Correction of any negative reporting to credit or banking systems resulting from this incident Resolution of the negative account balance and reversal of related impacts I maintained a positive banking relationship with U.S. Bank prior to this incident and complied with all requested documentation in good faith. The handling of this situation has resulted in significant disruption to my personal finances and business operations.

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