Hmmm. The spin is that J. Cole lost his phone and the so called sex scene was on the phone.

An american website, MediaTakeOut.com has claimed that it received an offer from an ANONYMOUS SOURCE about a sex tape involving Rihanna. They claim the seller sent SCREEN SHOTS which showed a woman with FIERY RED HAIR (that resembled Rihanna) giving head to a man resembling
J.Cole.
CLICK HERE FOR IMAGE(S)
According to media take out:
Although one can’t be SURE that this is Rihanna and J Cole. Well we can’t . . . but we can say that J Cole LOST HIS PHONE yesterday. And he and Rihanna were ON TOUR for a few months earlier in the year . . .
Well, with Rihanna showing flashes of how naughty she can be and semi naked pics of her surfacing in the past, lets just say we are not too surprised.