vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, at approximately XXXXXXXX XXXX PST, my Coinbase account experienced multiple unauthorized and fraudulent activities. At least six ( 6 ) or more consecutive fraudulent actions occurred within a short period of time. 

At approximately XXXXXXXX XXXX an unauthorized individual gained access to my Coinbase account from a different state and locations that I have never been to and liquidated all of my derivatives positions without my permission. Immediately after liquidating my positions, the unauthorized user removed my linked bank account information, which I had been using since approximately XXXX, or since I originally opened my Coinbase account. 

Shortly thereafter, the unauthorized user added two unauthorized bank accounts ( XXXX XXXX and XXXX  ). These accounts were not in my name and were not previously associated with my Coinbase profile. 

During this incident, my SMS text-message XXXX security was bypassed, and I did not receive any text message verification codes or authentication prompts. I also did not receive any suspicious activity warnings or security alerts through email. 

The unauthorized user then initiated multiple withdrawals of my available funds to the newly added unauthorized bank accounts. After withdrawing my available balance, the unauthorized user used my Coinbase account to initiate an additional deposit from my linked XXXX XXXX  account, and within minutes, withdrew those newly deposited funds to the same unauthorized bank account. 

Coinbases security systems failed to prevent this unauthorized access and failed to trigger any suspicious activity alerts, despite unusual activity including liquidation of positions, removal of my long-standing linked bank account, addition of new bank accounts under different names, and multiple withdrawals within minutes. 

This activity was not authorized by me, and I reported the incident promptly after discovering the fraudulent transactions. 

I am requesting that Coinbase immediately conduct a full investigation, reverse the unauthorized transactions, and issue a full refund for all losses related to this account takeover and unauthorized withdrawal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: American Credit Acceptance, LLC
State: MS

Complaint narrative:
I went into purchasing a car with Credit Accecptance with the understanding that the car would be paid off in 6 years. When I checked on the remaining amount owed it was still much higher that expected and the car was almost 8 years in my possession. It just seemed that I was never gon na pay the car off with all the interest that they kept adding. Im confused and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Calling my phone acting like a law firm trying to serve some papers. Calling back to back all times of the day

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 2026-02-09 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:
I am filing a complaint against PayPal regarding multiple chargeback disputes filed by the same buyer, XXXX XXXX, who is my tennis coach. These disputes are not from an unknown party and involve repeated cases opened by PayPal for related transactions. 

PayPal opened at least XXXX separate dispute cases and removed funds from my account for each dispute, including dispute fees. The cases include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  decisions indicate that refunds were processed, but the buyer has confirmed that no refund was actually received and there is no pending credit on the buyers side. PayPal has not provided any verifiable proof of fund disbursement or a transaction trace showing where the deducted funds were ultimately sent. 

This is not a single isolated dispute. It is a repeated pattern involving multiple orders and multiple case IDs, resulting in significant financial loss and unresolved accounting discrepancies. 

I request that PayPal provide a full accounting and fund trace for each case, including confirmation of the final recipient of the refunded amounts, and that PayPal reverse any improper deductions and dispute fees if the refunds were not properly delivered to the cardholder. 

I have attempted to resolve this through XXXX dispute process, but PayPal has not addressed the missing refund disbursement issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: CA

Complaint narrative:
A company charged my Cash App card for a {$29.00} purchase which I didn't authorize. My Cash App balance was {$3.00} because I purposely keep it at or near {$0.00}. Cash App, in the name of Overdraft protection, which I have turned off in my account with them, drafted the full {$29.00} from my regular brick and mortar bank, which I linked to be able to easily add money when I choose to do so, not for Cash App to dip into when they decide. 
I received notice from my bank, anything over {$10.00} I get a text, and started investigating because I had not authorized the payment. I found the company that initiated the charge and as soon as I complained to them, they issued the refund. It was during my investigation that I discovered the initial charge was through Cash App. 
I contacted Cash App and was eventually told - " If your balance won't cover the cost of the payment, the full amount is deducted from your linked debit card instead. 

If you don't have a debit card linked, or your card has insufficient funds, the transaction will be declined. 

But this option can't be turned off. '' So even though I have overdraft protection turned off, they continue to decide to use my linked account anyway in overdraft situations, without my approval. 

This is why I keep my Cash App balance at or near {$0.00}. I use Cash App to pay for Internet purchases from companies I do not know or fully trust. Then in the event that the company is reputable and tries to overcharge or bill me another charge later, I have a layer of protection. 

My Cash App balance being at {$0.00}, they shouldn't be able to get anything I have not authorized. Now Cash App is saying, nope, we are going to give them your money anyway. 

Cash App should not be able to draft my bank in overdraft situations when I have declined overdraft protection and have it set to " off '' in the app. 

I have the screen shot of this statement from the Cash App advocate. 
This seems illegal to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: TN

Complaint narrative:
I was approved for a full loan discharge and refund under the Sweet v. Cardona settlement. My XXXX XXXX XXXX servicer, MOHELA, shows a total of {$10000.00} paid and a current balance of {$0.00}. Despite this, no refund has been issued to me. 

I have contacted MOHELA multiple times over the years requesting confirmation and a timeline for my refund. I have also contacted XXXX XXXX XXXX. I have been repeatedly redirected without resolution and have not received the funds owed to me under the settlement. 

This complaint concerns MOHELAs failure to properly handle repayment and refund processing and failure to disburse funds owed following an approved federal settlement. I am requesting immediate issuance of the refund and written confirmation explaining the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I am writing in response to your communication dated [ date of their letter/phone call ] regarding the alleged debt you claim I owe.

This letter is a request for validation of the alleged debt, made pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following information : 1. The amount of the alleged debt, including an itemized breakdown of any interest, fees, or charges.

2. The name and address of the original creditor.

3. Copies of any documents that show I am legally obligated to pay this debt, including any signed contracts or agreements.

4. Documentation showing that you are licensed or otherwise authorized to collect this debt in my state.

5. Proof that the debt has not passed the applicable statute of limitations.

Until you provide the requested validation, please cease all collection activities, including reporting this debt to any credit reporting agency. If this debt has already been reported, please inform the credit bureaus that it is disputed.

This request is not a refusal to pay, but a request for verification of the alleged debt. Please communicate with me only in writing at the address listed below. 

Thank you for your cooperation.

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
Approved for new palladium Bilt card- expensive- unable to use it ( all charges declined ) brief promo period effectively negated- customer service totally ignorant and unhelpful. It truly feels like a scam. I think the new company Bilt is using is Called Cardless? You will see there is a massive uproar online of similar customers in same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and outdated information appearing on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA 611 ). 
The account listed below contains information that is inaccurate, incomplete, and/or should no longer be reported : Creditor Name : LVNV Funding LLC Account Number : XXXX This account has been paid in full. However, it continues to be reported on my credit file in a manner that is inaccurate and damaging. Because the balance is now satisfied, I request a full investigation and verification of how this account is being reported. 
Under FCRA 611, you are required to conduct a reasonable investigation and verify this account with the data furnisher. Please provide documented proof that this account is being reported accurately and completely. 
If you are unable to verify the accuracy, completeness, and continued reporting of this account, the FCRA requires that it be corrected or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX  charged off this account in XX/XX/year>. The debt was later sold to LVNV Funding LLC. Despite the original charge-off date, the account is being reported in a manner that makes it appear newer than it is. This illegal re-aging by a debt buyer is prohibited under the Fair Credit Reporting Act. I am requesting immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Bank of America ( XXXX XXXX XXXX  ) -- XX/XX/XXXX Received a call from a BOA person at XXXXXXXX XXXX  She asked if I made a purchase in the amount of {$1100.00}. I said no, I did not make any purchase with the XXXX XXXX. She said this charge is a suspected fraud purchase. I told her that I will call back to dispute that charge. I was on XXXX XXXX when the call came in. 
-- I called BOA to report the unauthorized charge. I disputed the charge via online ( phone ). 
-- XX/XX/XXXX I called BOA to follow up on the charge. The gentleman assisted me in requesting for a new card. 
-- XX/XX/XXXX My new card arrived via XXXX. It was reissued with a new account number. 
-- XX/XX/XXXX Received letter from BOA that they are temporarily crediting my account for {$1100.00} while they research my claim. 
-- XX/XX/XXXX Received a letter stating they were unable to approve my claim. 
-- XX/XX/XXXX Spoke to XXXX from XXXX regarding the disputed charge being denied. A " reconsideration claim '' will be made and I am to wait for the letter. 
-- XX/XX/XXXX I sent BOA a letter stating what took place that day, for another account of mine from another bank was also compromised that same day XX/XX/XXXX. That case was resolved that day. 
-- XX/XX/XXXX I received a letter stating they were unable to approve my claim again. 
-- XX/XX/XXXX I resent the same letter I sent on XX/XX/XXXX. I was afraid it might get lost in the mail. 
-- XX/XX/XXXX Spoke to XXXX from XXXX She assisted me in reopening my dispute. 
-- XX/XX/XXXX Spoke to XXXX from XXXX. I requested copies of the documents used to make the decision in denying my claim. Still waiting for the documents. 
Note : I placed a " LOCK '' on the card. The only outstanding balance is {$1100.00}. 
I have followed up with numerous phone calls regarding this disputed charge with BOA. I was not able to record all the dates and names of the people I spoke to. It's so frustrating, especially the wait time to speak to someone, an average of XXXX minutes. I'm afraid that I have to make a payment on this disputed charge and finance charges. 

Received this information : Credit Card transaction outside the XXXX XXXX states XXXX Rewards Ascent Visa Amount : {$1100.00} Date : XX/XX/XXXX Where : XXXX XXXX road car sal Location : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I had my credit cards in my possession when this incident occurred. 

Thank you - 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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am naming Citizens Bank as a co-respondent in this matter. They allowed a fraudulent account to be opened under the business name XXXX XXXX XXXX XXXX XXXX XXXX'this is a direct violation of KYC ( Know Your Customer ) protocols. Furthermore, they have failed to return the funds despite a recall request sent by XXXX XXXX  within XXXX minutes of the transaction. '' On XX/XX/2026 Victim of XXXX Fraudster created bank account under name of heritage title services on XXXX XXXX Impersonated my tile company s Encrypted email Causing me to lose over XXXX Please see documents uploaded

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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:
I am formally elevating this matter to the CFPB for immediate intervention regarding PayPals unlawful and prolonged withholding of my consumer funds, despite the expiration of all stated holding and review periods.

PayPals continued refusal to release my available balance amounting to XXXX XXXX, which has been withheld for more than two ( 2 ) years.

To be unequivocally clear, I am not requesting account reinstatement. I am solely demanding the immediate release and withdrawal of my funds. PayPals own prescribed review period of 180 days has long expired, yet the institution continues to retain my funds without lawful basis, written determination, or definitive timeline for release. 

PayPal has repeatedly issued generic and template responses, which fail to resolve the issue and effectively result in the deprivation of my property without due process. This conduct constitutes an unreasonable delay, violates fair dealing standards, and undermines the consumer protection principles applicable to CFPB-supervised financial service providers. 

In view of the foregoing, I respectfully but firmly request that the CFPB : 1. Investigate PayPals non-compliance with consumer protection and fair dealing obligations ; and 2. Direct PayPal to immediately release my funds without further delay, conditions, or rolling review periods.

All supporting screenshots and correspondence evidencing PayPals prolonged inaction and repeated refusals are available and may be submitted upon request. 

I trust that the CFPB will take appropriate and timely action to address this matter and protect consumers from oppressive and unlawful practices. 

Thank you for your prompt attention. 

Respectfully, XXXX XXXX XXXX PayPal Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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:
In XXXX, my PayPal account was compromised and used without my authorization to place a {$280.00} order with XXXX. I reported the unauthorized transaction to PayPal the same day. I never placed this order, never authorized it, and never received the merchandise. 

PayPal claims the transaction is valid because the seller provided proof of delivery. However, the delivery address provided by XXXX is not my address, is located in another state ( XXXX ), and the delivery photo clearly shows a warehouse, not a residence. I provided this evidence to PayPal multiple times. 

Despite this, PayPal has closed the case in the sellers favor XXXX times and is insisting that I am responsible for the charge. PayPal never paid the seller from my bank account, but they are attempting to collect the amount from me as a debt. 

This transaction was fraudulent, and XXXX decision ignores clear evidence that the order was delivered to an address that does not belong to me. I am requesting that PayPal remove this charge, correct my account, and stop all collection attempts related to this unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I want to be apart of the class action suit against Cashapp. There are at least 6 different occasions where i tried to get in contact with a live agent and was unsuccessful. This took place over the time period of XXXX  to present

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Columbia Debt Recovery XXXX says I owe XXXX. I got charged because I terminated a lease within 60 days at the end of my lease. But I checked my lease documents throughout and no where on my lease stated that I would get charged for 2 full months of rent if I terminated less than 60 days. This to me is fraud because they did not list it in my lease. Maybe it was on their website, but it was NOT on my lease documents anywhere.

So I called the debt collector and I forwarded them the lease documents showing that this was not on there. They never responded and eventually started calling me again to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On Thursday, XX/XX/XXXX, I received my Direct Deposit as usual to my checking account with M & T bank but upon trying to use my card, it was repeatedly declined with a hold card XXXX message. I was also unable to lock/unlock my account or request a new card. On XXXX, I called the bank and learned that my account was CLOSED on the date of my direct deposit without my knowledge and now I still do not have access to any of my funds that are currently in limbo in my account. I was told that it was closed because I received a letter in XXXX of XXXX stating that I needed to re-verify account information. I did not receive the letter and they made NO further attempt to contact me. Instead they closed my account in XX/XX/XXXX without my knowledge. I answered questions and they apparently sent and email to turn my account back on but it is now Monday XX/XX/XXXX and I still can not use my bank account and I still do not have access to any of my funds on my account.

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