vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: VA

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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
State: NC

Complaint narrative:
I had money sent to my PayPal account in amount of {$250.00} that supposed cleared on the XXXX at XXXX & it shows that it was and was put on my balance but no its not & this been for days now they just trying stop me from getting it .. XXXX XXXX XXXX {$250.00} XX/XX/year>. Money Received * Paid to * PayPal XXXX {$250.00} Transaction ID XXXX Contact info Message XXXX XXXX Note gift Details Sent by XXXX XXXX {$250.00} Estimated Fee {$0.00} Total {$250.00} * Yet this $ has not been put into my account & I have emailed and called and emailed I want my $ $

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
i am filing this formal complaint against Block, Inc. ( Cash App ) for a pattern of arbitrary service restrictions and the ultimate permanent deactivation of my account ( $ XXXX without due process. 1. Forced Workarounds due to App Limitations : For several months, I used Cash App to move personal funds ( typically {$4000.00} ) between my verified accounts at XXXX XXXX and XXXX XXXX. Because Cash Apps interface historically limited users to a single linked card, I was forced to repeatedly link and unlink my own accounts to facilitate these transfers. I am now being penalized with a permanent ban for navigating a technical limitation created by Cash App itself. 2. Systematic Denial of the Cash App Card : Long before my account was deactivated, I made multiple attempts to order a Cash App debit card. Every single attempt was denied or blocked by the system without any specific explanation. This indicates a long-standing, " soft-restriction '' on my account that Cash App failed to resolve or explain, despite my continued legitimate use of the platform. XXXX. Proof of Legitimate Activity : I have full bank statements from XXXX XXXX and XXXX XXXX proving that 100 % of the funds involved were my own capital moving between my own accounts. There is no evidence of fraud, money laundering, or " layering. '' Cash App has summarily denied my appeal without reviewing this evidence or allowing me to submit it. XXXX. Regulatory Violation : By failing to provide the primary service ( the debit card ) and then banning me for " suspicious '' behavior that was actually a necessary workaround for their own app 's limitations, XXXX XXXX XXXX has acted in an Unfair and Abusive manner under UDAAP standards. They have effectively locked a legitimate consumer out of the financial system based on flawed automated algorithms that they refuse to manually override.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
The company cash app denied me of making a customized cash app card that bears the words XXXX pride but okayed and sent me a customized card that says XXXX pride I feel this is totally unjust and XXXX discrimination I have brought it to the company 's attention many times and they keep giving me the same ridiculous answer to the will not comment on the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, XXXX XXXX XXXX appropriate redres. for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
I paid my credit card balance from amount i deposited but now my checking account indicates an overdraft for amount i haven't used. Last month i also experienced the sane and ended paying for money i hadn't used

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Before leaving the United States, I transferred money from my bank account to another account. Shortly after this transaction, my bank account was blocked, and I am currently unable to access or withdraw my funds. I would like to understand the reason for this restriction and request information about what steps are required to restore access to my account and resolve this issue as soon as possible. At the moment, I am not in the United States. Therefore, I would like to ask if it is possible to complete the necessary verification or resolve this matter remotely while I am in Georgia. Thank you for your time and assistance. I look forward to your response.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
I had my va XXXX check switched from chime to current in XXXX of last year. At first I didnt notice how and where my money was going but after gathering all my statements together and doing alot of math, I noticed money was missing every month. I first thought it was the hotel Im staying at since they love to force post on preauthorization holds which essentially double charges the checking account and falls off so you cant dispute it. If you know how to balance a checkbook the old way then you'll know what im talking about when I say the deposits and withdraws should equal XXXX if you dont have any money in the account. After a bunch of phone calls with various merchants ive learned that merchants are now putting holds on money that can be used and cant be returned to the account unless the merchant cancels it. If the merchant doesnt cancel it after XXXX days the bank automatically sends the funds to the merchant anyway. Im not sure why this is even a thing in the banking world but a few days ago XXXX XXXX XXXX charged me for XXXX and XXXX XXXX bill and we were still in XXXX. When i asked about getting my money back for the XXXX payment I was told that they couldnt do partial refunds so if I wanted a refund it would have to be for the whole amount. I said sure since ive had previous calls with XXXX XXXX XXXX support where ive found out that not only do they force post on preauthorizations but that they infact are making new purchases at the exact same time they issue a refund. The refund isn't for the original charge but its for the charge made right before a refund is issued and I have a very big problem with that. Im tired of online banks like current not giving certain records when asked so I can dispute unauthorized charges. I also dont like the fact that they wont tell you how many or how much money is on hold and the barely say what merchant it is. Im attaching a rundown and some screenshots to back up what im claiming. Somebody needs to crackdown on these banks that aren't really banks because theyre violating a bunch of federal regulations and its XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
This is in connection with last complaint I made XXXX, they closed out my regular checking and savings account stating sat overdrawn to long. I incurred {$0.00} cents negative balance on my check not for my spending because Ive had no fund to spend it was a charge they placed on my account and then closed out my checking and save and not the XXXX and IRA Ive been asking them too sent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: IN

Complaint narrative:
I am filing this complaint because accounts are appearing on my credit report that I do not recognize and did not authorize. I did not provide written instructions or consent for these companies to access my consumer report or report these accounts. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose, including when the consumer provides written authorization. I did not give authorization for these accounts. The following accounts appear on my credit report and are unfamiliar to me : XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Because I did not authorize these accounts or provide written permission for my credit report to be accessed, I believe these accounts may have been reported without a permissible purpose and may be inaccurate.

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 2026-03-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing this complaint because accounts are appearing on my credit report that I do not recognize and did not authorize. I did not provide written instructions or consent for these companies to access my consumer report or report these accounts. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose, including when the consumer provides written authorization. I did not give authorization for these accounts. The following accounts appear on my credit report and are unfamiliar to me : XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Because I did not authorize these accounts or provide written permission for my credit report to be accessed, I believe these accounts may have been reported without a permissible purpose and may be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT XXXX SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT XXXX SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: PA

Complaint narrative:
I keep receiving phone calls and voicemails from ASSETCARE LLC regarding a medical debt they claim that I owe from XXXX. The XXXX of limitations for medical debt in Pennsylvania is XXXX years. They said they bought the debt from a hospital. I denied ownership of debt because I do not owe anything as I had state funded insurance at the time and requested proof of debt to be mailed to me and they hung up. The very next day it was on my credit report as collections. To me that seems retaliatory seeing as I never recieved anything in the mail and just XXXX phone call. They called a few days later and once again I requested proof of debt and they hung up again. I called back and told them to cease all communication with me. Now, even though I blocked their number they keep calling and leaving voicemails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
This account originated with XXXX XXXX Bank and was later sold to LVNV Funding LLC. I am requesting documentation showing the charge-off balance from the original creditor and documentation demonstrating how the current reported balance of {$1000.00} was calculated. If LVNV Funding LLC can not provide documentation verifying the accuracy of the balance and the legal transfer of the account, continued reporting of this account may constitute inaccurate reporting under the Fair Credit Reporting Act. In that case, the account should be deleted from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TClub Inc
State: TX

Complaint narrative:
i have initiated the transaction from abound XXXX XXXX XXXX XXXX, on XX/XX/XXXX Transferid : XXXX. They said the money transferred, but it never delivered to reciepent, they asked for bank statements i have given them, then they accepted that money didnt transferred, they said they escalate and i will get money in 1-2 days, but its keep on going from last 3 weeks, lot of other users also facing the sameissue

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As a new XXXX XXXX member, I am filing a formal dispute regarding a {$590.00} / XXXX loss caused by Chase 's failure to deliver its advertised " Shop Without the Wait '' feature and documented agent misinformation. XXXX. The Breach of Advertised Promise : Chases own marketing ( attached ) explicitly promises that adding a card to a digital wallet empowers a member to " use your card 's benefits instantly '' and specifically to " Book a trip : Plan and book your next trip sooner ''. As the primary benefits of the Sapphire Reserve ( The Edit and 10x points ) are exclusive to the Chase Travel Portal, this is a direct promise of immediate portal access. XXXX. The Documented Misinformation : On Tuesday, XX/XX/XXXX, at approximately XXXX AM XXXX XXXX, I contacted Chase regarding my application and specifically asked if I would be able to use the Chase Travel Portal that same day. The agent explicitly guaranteed on a recorded line that I would have immediate portal access. Relying on this professional assurance and Chase 's own advertised service promise, I waited patiently for the system to sync. Only much later did I receive conflicting information from subsequent agents stating I must wait for the physical card to arrive, leaving me caught between believing Chases official marketing and initial verbal guarantee versus these later contradictory statements. XXXX. The Damage : The system failed to provide the promised access, locking me out for XXXX hours. During this delay caused by Chase 's misinformationthe rate for the XXXX XXXX XXXX jumped from ( {$1100.00} ) or XXXX points + {$550.00} cash to ( {$1700.00} ) or XXXX points + {$550.00} cash. I have booked today under protest to secure inventory, resulting in a XXXXpoint deficit. I have attached the lower rates from XX/XX/year>, XX/XX/year>, and XX/XX/year> for verification. XXXX. Required Resolution : I am requesting a manual adjustment of XXXX points to my account to honor the rate available when Chases service was promised to be active. I am also requesting a Recorded Call Audit of the XX/XX/XXXX conversation at XXXX AM PT to verify this service failure and misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: IN

Complaint narrative:
I am filing this complaint because accounts are appearing on my credit report that I do not recognize and did not authorize. I did not provide written instructions or consent for these companies to access my consumer report or report these accounts. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose, including when the consumer provides written authorization. I did not give authorization for these accounts. The following accounts appear on my credit report and are unfamiliar to me : XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Because I did not authorize these accounts or provide written permission for my credit report to be accessed, I believe these accounts may have been reported without a permissible purpose and may be inaccurate.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OH

Complaint narrative:
I. Trying to get my mom ans kids away from domestic and safe ny refund check from irs went to cash app Tuesday it was pending I have been only it with how urgent will they sent it back I has. This is important

Company response to consumer: Closed with explanation