vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate billing, improper fee assessment, and lack of clear explanation on my auto loan account with Global Lending Services LLC, Account Number XXXX, for a XXXX XXXX XXXX XXXX. 
GLS is demanding a payment of XXXX due XX/XX/XXXX, which includes XXXX listed as outstanding payments and fees. This balance does not align with my payment history or written agreements. 
On XXXX XXXX XXXX I made a catch up payment of XXXX following repossession. On XXXX XXXX XXXX I made a payment of XXXX for XX/XX/XXXX, and I have since made my XX/XX/XXXX payment on XXXX XXXX XXXX. After numerous request to change my due date to the XXXX. An extension agreement dated XXXX XXXX XXXX extended the XXXX and XX/XX/XXXX payments and set the next payment due date as XXXX XXXX XXXX. 
Despite these payments, GLS continues to assess late fees and stack payments without clearly curing the delinquency or explaining how payments were applied. The XXXX payment did not stop late fee accrual and did not bring the account current. 
I contacted GLS by phone to request clarification and supervisor review. The representative could not explain the charges. I was placed on hold waiting for a supervisor and the call was disconnected without resolution. GLS has not provided a full itemized payment ledger or written explanation of the fees being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
They have responsed to my first complaint and their response is not surprising at all, they still continue to deny that they misquoted me, which they did. If I want to take this further, what would I have to do? To sue them, and make them make this right? This is ridiculous, we have rights as well. I dont think its right and fair for them to get away with this. I do not feel like I should even have to pay them due to being misinformed and quoted wrongly. They always tell me theyre going to call me back, never do they. They stated that someone did help, no I called multiple times to get help and get someone to see that the young man told me I would pay XXXX, I even asked him to make sure which he puts me on hold and then came back and told me yes it was gon na be XXXX every two weeks. XXXX the XXXX is so rude as well. No help at all. They continue to state things that are in fine print but was not stated to me at all, I called and was talked to XXXX  and was misinformed about everything and now their trying to cover themselves up saying what paper says but isnt what I was told. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: Block, Inc.
State: OH

Complaint narrative:
CFPB Complaint XXXX XXXX : Cash App / Block , Inc . 
Product : Money transfer / digital wallet Issue : Funds unavailable / account closed / unable to withdraw balance What happened ( main narrative ) Cash App closed my account without providing a reason. I understand companies may close accounts under their terms ; however, Cash App support confirmed in writing that I am permitted to withdraw my remaining balance. Despite this confirmation, Cash App is actively blocking my withdrawal attempts. 

I have attempted to withdraw my funds multiple times and the withdrawals are blocked by the app. I contacted Cash App support and requested a timeline or method for release of my funds. Support refused to provide any timeline, refused to resolve the blocked withdrawal, and I instead stated that I am going to contact the CFPB, the Ohio Attorney General, or file in federal court. 

Cash App has acknowledged my right to withdraw funds but is continuing to withhold them without explanation, timeline, or resolution. This is a wrongful withholding of funds. 



What harm did this cause? 

Cash App is preventing me from accessing my own money. I am unable to use or withdraw my funds despite being told I am entitled to them. This has caused financial hardship and uncertainty, and Cash App has provided no path to resolution. 



What resolution are you seeking? 

Immediate release of my remaining balance to my linked bank account, or a clearly defined and documented method and timeline for releasing my funds. I am filing a federal lawsuit also Additional details ( optional but recommended ) I have screenshots showing : Cash App confirming I am allowed to withdraw my funds Cash App blocking the withdrawal Cash App refusing to provide a timeline or explanation and terminating support instead of resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
I purchased a credit card reader for mobile devices by a company called Square, I also downloaded their app and opened an account on the app. I currently do side jobs and I'm planning to soon start a clothing and trading card sales business with a friend so I thought that guying this card reader and opening an account with Square , Inc. now would be a good Idea. I had one Issue after the other with the app ; it was a headache. First it rejected my driver 's license picture and facial recognition, then it seized my funds and I had to submit an appeal so salvage my account. Today I received an email saying that my account is now deactivated, so I then call a customer service representative, and I was told that the company will be holding on to my funds for the next 3 months. I asked the representative if I can speak to a supervisor or Manager because I know that any transaction can be reversed, and I explained that I needed my funds to pay my rent, but I was told " since your account has been deactivated, you can not speak to a supervisor or manager ''. I thought that was ridiculous, having a deactivated account shouldn't have anything to do with speaking to a superior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Well, I was getting a phone at the XXXX XXXX store in XXXX XXXX  on the border of XXXX, XXXX. There was money transferred out of my account and also used at a gas station in XXXX XXXX. The money was transferred via a transfer app that I have never used and they said that they couldnt give it back because I did it. I did a dispute and I told them I didnt do it. I never heard of the card before I had to look it up to find out what it was. Its called revolt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am filing a complaint against Midland Credit Management , XXXX for attempting to collect a debt that is not owed and for failing to validate a disputed debt as required by federal law. 

The alleged debt originated from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and relates to dental services that were unsatisfactory and defective. The XXXX  were returned, the provider failed to cure the defects, and the debt was formally disputed with the original creditor under the FTC Holder Rule prior to the account being sold. 

On XX/XX/2026, I sent Midland Credit Management a formal debt validation request and dispute by certified mail. Midland received this letter on XX/XX/2026. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), Midland was required to cease collection activity until proper validation was provided.

Midland did not respond within the required time frame and has failed to provide : A copy of the original signed agreement Proof of a valid chain of title An itemized accounting of the alleged balance Evidence that the debt is legally enforceable despite the unresolved service dispute The only correspondence I received was dated XX/XX/2026 before Midland received my validation request and therefore does not constitute a lawful response.

Despite this, Midland continues to assert ownership of the debt and the right to collect.

I am requesting that the CFPB require Midland Credit Management to : 1. Cease all collection activity 2. Provide lawful debt validation or close the account 3. Correct or remove any credit reporting related to this account 4. Confirm compliance in writing I believe Midland Credit Management is attempting to collect a debt that is not owed and is violating federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Bread Financial ( Comenity Bank ) for Wrongful Dishonor ( UCC 4-402 ) and Unfair/Deceptive Practices regarding their handling of my account withdrawals.

Despite having a sufficient balance, Bread Financial selectively rejects ACH payments to my creditors. During the same period that multiple payments were rejected, other payments to different merchants were successfully processed and cleared. This inconsistent application of account rules proves that the rejections are not based on a standard account limitation, but are arbitrary and unpredictable.

Furthermore, Bread Financial failed to provide any notification that these payments were being rejected. I only discovered the failures through the penalties and " Account Frozen '' alerts issued by my creditors. By failing to notify me, the bank deprived me of the opportunity to use an alternative payment method, directly resulting in the following documented damages : SCC TOT Payment ( XX/XX/year> ) : {$50.00} NSF Fee + {$17.00} Interest Charge XXXX XXXX  XXXX  ( XX/XX/year> ) : {$30.00} Returned Payment Fee + {$21.00} Interest Charge Total Consequential Damages : {$110.00} When I contacted customer service, I was dismissively told " its a savings account. '' This does not explain why Bread Financial reported these items to the ACH network as R01 ( NSF ) or R16 ( Account Frozen ) instead of the correct administrative code ( R20 ). Reporting " NSF '' when funds are present is a factually false representation of my financial status and constitutes a violation of NACHA reporting standards and the bank 's duty of care.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Subject : Cease and Desist Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number : _______unknown debt ___________ To Whom It May Concern, This letter serves as formal notice that I am requesting, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), that you cease and desist all communication with me regarding the above-referenced account. 

You are hereby instructed to stop contacting me immediately by phone, mail, email, or any other method. Any further contact from your organization, except to confirm compliance or to notify me of specific legal action, will be documented and may be reported to the Consumer Financial Protection Bureau, Federal Trade Commission, and my state Attorney General. 

This letter is not an acknowledgment of any debt nor a promise to pay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I am reporting a billing and servicing problem on a current auto loan. Since XX/XX/year>, I have made multiple monthly payments ranging from approximately {$610.00} to {$630.00}. According to the companys own account statements, several of these payments were applied entirely to interest with {$0.00} applied to principal, despite the account being current. 

The statements also reflect system-generated payment reversals and the assessment of late and miscellaneous fees during periods when payments were made and reprocessed. 

In addition, at vehicle delivery I was charged approximately {$1000.00} as a condition to receive the vehicle. This charge was not clearly disclosed in the Truth-in-Lending disclosures or itemization provided at origination. 

I have attempted to resolve these issues in writing. The companys response did not address the improper application of payments, the fees assessed during payment processing, the undisclosed delivery charge, my request for restitution or re-amortization, or my request for written title and lien protections. 

I am seeking a compliance-based resolution while keeping the account current, including correction of payment application, restitution or credit of amounts paid, and written confirmation of title and lien protections . I request continued CFPB oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: WI

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2026-01-30 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: WI

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: AL

Complaint narrative:
AARGON AGNCY is falsely reporting on my credit. I have never had any accounts with them. Per my research AARGON AGNCY 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 2026-01-30 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I have filed several disputes with My Best Buy XXXX XXXX. Repeatedly, they have denied my disputes where I was given no resolution. The most recent one was with XXXX where XXXX did not provide me the services I purchased then proceeded to charge me more for the same services. This happened twice and My Best Buy XXXX XXXX took no action to recoup my money. Another instance was when I put a deposit on a hotel that was never refunded. I followed the protocol by My Best Buy XXXX XXXX to file a dispute but they refused to provide a resolution.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute Santander Banks handling of fraudulent check activity associated with my checking account.

Without my authorization or knowledge, fraudulent checks were deposited into my Santander checking account. I did not create, endorse, deposit, or benefit from these checks. Once I became aware of the activity, I promptly notified Santander Bank and cooperated fully with any requests for information.

Despite my timely report, Santander has treated me as responsible for the fraudulent activity and has failed to properly investigate or resolve the matter in accordance with consumer protection standards. As a result, I have suffered financial harm and potential damage to my banking record. 

I am requesting that Santander Bank XXXX XXXX  Conduct a full and fair investigation into the fraudulent check deposits XXXX Remove any negative balances, fees, or adverse reporting related to this fraud XXXX Restore my account standing and banking access, if impacted XXXX Provide written confirmation that I am not liable for the fraudulent transactions I believe Santanders response has been inadequate and inconsistent with its obligations to protect consumers from unauthorized and fraudulent transactions. I am requesting the CFPBs assistance to ensure this matter is resolved fairly and in compliance with applicable banking regulations. 

Thank you for your attention to this matter. 

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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My Chase credit card accounts were closed despite being in good standing with on-time payments. I am requesting a clear explanation and reconsideration. I had XXXX and made sure to keep my in time payments so my accounts would not get closed but they closed them anyways. When I called I explained that to them and offered my XXXX XXXX and everything but they still wouldn't hear me out. Please help solve this matter they are still charging me late fees and interest rates when I can't even access my cards. It's very disappointing when I was staying in good standing just to be shut down when I was in a rough patch myself and I'm just now getting out of it after another XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I cant access my account number It seem like everytime I turn around I have to call fraud department because everything that I do at Wells Fargo is wrong sets off a fraud alert. I even had changed my whole account and card information I had taken a check in and just me taking it in the cashier said thats rite its fraud Im going to have to put extra days for verification on it. I said thats fine. But then boom my online account had been frozen. Then when that happened my monies going out were put on pending. Well after XXXX  days the check had cleared according to my app a long with the pending transactions well the transactions went back out and the places that they were going to go to did not recorded the money. But Wells Fargo said they had. So now Im missing like {$1700.00} and they saying Im overdrawn. To add money before I get overdraft fee. Im really upset rite now especially after reading about Wells Fargo on this site. The pictures I have included are the ones that went back out to the payees. They never got them! The other with XXXX XXXX were not paid out the other was my check from customer that had been deposited and sent back for some reason because it was deposited

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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One is reporting XXXX late payments on a credit card account that was closed by the creditor over a year ago and currently reflects a XXXX balance. 

I disputed this information multiple times with XXXX. Each dispute was marked as verified, however Capital One has never provided me with any documentation or payment history proving the accuracy of these late payment entries. 

Despite the account being closed and paid in full, Capital One continues to report inaccurate negative payment history that does not reflect my current financial obligation. 

I am requesting that Capital One provide full verification of the reported late payments, including complete payment history and supporting documentation. If Capital One can not properly verify this information, I request immediate correction or deletion of the late payment entries from all credit bureaus.

Company response to consumer: Closed with explanation