vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/year> I went to XXXX XXXX in XXXX XXXX, MI to purchase a bracelet for my daughter. I tapped my card the first time and was told that it didn't go through. We ran the transaction again and I was told the same thing. I opened my banking app and saw that I had 2 pending transactions for the amount of {$250.00}. The sales associate, XXXX called Chime customer service with me from XXXX XXXX 's line right away and confirmed with the rep that the transactions did not go through and did not post to her system. I was told by the Chime rep that I had to wait for the transactions to go from Pending to hard post before I could move forward with trying to get refunded. I pulled cash out of my account and paid cash for the bracelet. The receipt I have shows that I paid cash in the amount of {$260.00} and was given {$3.00} change. XX/XX/year> Both pending charges hard posted against my account. I called XXXX XXXX in XXXX XXXX, MI. I left a message for the sales associate, XXXX. I received no response. After I got off work that day I went to the physical store and an associate, XXXX, tried to call XXXX XXXX corporate office to reverse the charges. The corporate rep, XXXX, stated she didn't see any transactions for that day from my card for that amount. She couldn't issue a refund on a transaction she couldn't see. XXXX stated I would have to proceed with a dispute with my bank. I then started the dispute process with my bank and submitted proof of the transactions, cash receipt, and email chain from XXXX at XXXX XXXX. XX/XX/year> My dispute was wrongfully denied. I proved that I paid 3 times for this bracelet ( 2 charges and 1 cash ) and they did not do their part to claw my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I am filing a complaint regarding the mishandling and ongoing delay of my lien release request with Rocket Mortgage. This process has now taken nearly six months, despite all required documentation being completed and all associated request fees being paid. Most recently, I was informed that the third-party lien release would be signed and sent between XX/XX/XXXX and XX/XX/XXXX. That timeframe has now passed, and I have still not received the signed release. Throughout this process, I have made repeated attempts to resolve the issue through customer service and management. I escalated the matter to a manager who had been assisting with my case, but was then informed that he has been reassigned to another role and can no longer assist me. I was also told that another team will now be taking over the partial release transaction, which has further delayed the process and left no clear point of accountability. In addition, today I spent over 40 minutes on hold attempting to reach someone who could provide assistance, without receiving any response. This delay is now causing serious consequences. My township is currently waiting for the signed third-party release in order to proceed, and due to the continued delay they have indicated they may pursue the condemnation route if this matter is not resolved promptly. This situation has been created solely due to Rocket Mortgages failure to execute and return the required document in a timely manner. At this point, the lack of responsiveness, repeated reassignment of my case, and failure to meet communicated timelines are unacceptable. All requirements on my end have been fulfilled for months. Resolution Requested : I am requesting that the third-party lien release be signed and sent immediately, and that a responsible representative be assigned to ensure this matter is finalized without any further delay. If this matter can not be resolved promptly, I will also consider escalating the issue with the appropriate financial regulatory agencies due to the prolonged delay in processing a completed lien release request. Sincerely, XXXX XXXX loan partial release loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
I am filing a complaint regarding Klarnas handling of a billing dispute for statement number XXXX related to an XXXX purchase ( Order # XXXX ). I cancelled the order before shipment and the sellers listing was later flagged and removed by XXXX. Despite this, a package was shipped and tracking shows it was delivered to a XXXX locker that was not my shipping address and was not authorized by me. No delivery attempt was made to the address listed on my order. I opened a dispute with Klarna and uploaded all requested documentation to the Klarna dispute portal, including : XXXX order confirmation showing the item and price Screenshots of my communications with XXXX attempting to resolve the issue Product details and evidence that the listing was flagged by XXXX Shipping and tracking information showing delivery to an unauthorized XXXX locker instead of my shipping address After nearly a month of investigation, Klarna contacted me requesting the same documentation that had already been uploaded to the dispute portal. I replied explaining that all requested documents were already submitted. However, Klarna responded by repeating the same request without addressing the evidence already provided. I am requesting that Klarna properly review the documentation already submitted and resolve the dispute by correcting the statement and issuing a refund for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We had two fraudulent transactions on our savings and checking account. {$5300.00} was moved from our savings to checking account and then {$5000.00} was withdrawn fraudulently. This was done over the phone with a Wells Fargo number and they knew all of our information. The call was initiated as them protecting us from someone getting into our account. Little did we realize they were the ones stealing our money. We immediately filed all claims and took every necessary step and precaution. Our claim has now been denied twice. When it was first denied, we escalated it and now it was denied again. We are at a complete loss and don't know what to do. Any help is appreciated.

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 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/26 Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Account Number : XXXX To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). You are hereby instructed to CEASE AND DESIST ALL COMMUNICATION with me regarding the above-referenced account. This includes, but is not limited to, communication by telephone, mail, email, text message, or any other form of contact. Under federal law, once you receive this notice, you may only contact me to : 1. Advise that you are terminating further collection efforts ; or 2. Notify me of specific legal remedies you intend to pursue. Any communication beyond what is expressly permitted by 15 U.S.C. 1692c ( c ) will be considered a knowing and willful violation of federal law and will be documented accordingly. I reserve the right to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as seeking civil damages. This letter is not a refusal to pay, nor is it an acknowledgment of the validity of the alleged debt. Govern yourself accordingly. Sincerely, XXXX XXXX They took over a LVNV Funding LLC Account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I saw on XX/XX/XXXX that I had a hard inquiry for XXXX when i checked my XXXX XXXX account and then noticed there was a new card opened in XXXX sometime. I immediately that night ( XX/XX/XXXX ) went to the 3 credit bureaus to freeze my credit. I then filed a dispute I believe with all 3 bureaus-I was denied within about 2 weeks from one and then XXXX took a bit longer but I realized on XX/XX/XXXX or XXXX that they denied my dispute. I called wellsfargo this day and found out limited info about the card that was opened and requested it be closed as it was fraud I didn't do it. and then I called them XX/XX/XXXX they said i should file this complaint so that they have that information on file that it was not me that opened the card. i have no knowledge of the company this card was opened under and it was using my maiden name which was changed about 5 years ago.

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 2026-03-09 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: TX

Complaint narrative:
I am filing a formal complaint against Bank of America for blatant deceptive practices, contradictory dispute resolution, and unauthorized seizing of funds regarding Claim # XXXX ( {$140.00} ). The Contradiction and Fraud : I received an official email from BofA explicitly stating : " Your claim is resolved... We credited your account {$140.00}. '' ( See attached email evidence ). However, simultaneously, the BofA mobile app dispute center shows the exact opposite decision for the exact same claim number : " Closed - Your account was rebilled. '' ( See attached app evidence ). Furthermore, my account statement shows an actual deduction ( REBILL ) of - {$140.00} on XX/XX/year>. The Violation : This is a textbook example of bait-and-switch and deceptive communication. Bank of America sent me a formal resolution letter confirming they ruled in my favor and credited my account, while their internal system quietly ruled against me, closed the case, and seized my funds. Desired Resolution : I demand the immediate reversal of the XX/XX/XXXX REBILL ( - {$140.00} ) and the permanent application of the credit as promised in BofA 's own official email. I also urge the CFPB to investigate this systemic failure where BofA deliberately issues false resolution emails to pacify consumers while quietly taking their money.

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 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
They were misleading about promotion payout and not clear about payment. I requested to pay out in the promotion timeline and they were not clear. They did not provide me with what I intended. I want to pay the balance without the penalty they didn't help me avoid like I initially intended. They were not helpful when I talked to 4 different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal notice that your agency has failed to honor a prior commitment to correct my credit file. Despite being explicitly assured by a representative that the unauthorized inquiries on my report would be removed, these entries persist. This failure to act constitutes a blatant disregard for my consumer rights and a breach of the mandated accuracy of my financial data. The continued presence of these unauthorized inquiries is directly damaging my credit score and serves as a significant red flag for identity theft. Your failure to rectify a confirmed error is unacceptable and is causing me documented financial and emotional 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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I am filing a complaint against PNC Bank regarding a refund dispute that has not been properly resolved. A purchase was charged to my account and I contacted PNC Bank to dispute the transaction and request a refund. After reviewing the case, the bank informed me that they would not return my funds. I believe the decision was unfair and that my dispute was not properly handled. I attempted to resolve the issue directly with PNC Bank through customer service, but the bank has refused to refund the money taken from my account. As a consumer, I rely on my bank to protect my account and properly investigate disputes. Transaction details : Date of transaction : XX/XX/year> Amount : {$59.00} Merchant name : XXXXXXXX XXXX XXXX Last four digits of account/card : XXXX I am requesting that this complaint be reviewed and that PNC Bank be required to properly investigate the dispute and return my funds if the transaction was unauthorized or incorrectly processed. I appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
Upon purchasing the vehicle in late 2023 at the XXXX XXXX XXXX, add-ons were added but were later canceled on XX/XX/XXXX at XXXX. I went to the dealership to cancel them and signed the form. I was told I would be emailed a copy and never received one. Upon reviewing these add-ons, they were never cancelled after confirming with the dealership. I drove all the way to the dealership to sign the form in person just like they asked only for them to be shady and not cancel.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Im writing to dispute the validity and accuracy of the alleged debt. I am formally requesting validation of the debt pursuant to my rights under the Fair Debt Collections Act. At this time. I dispute the amount being claimed as inaccurate. In addition I would like sufficient documentation demonstrating that I am legally obligated to pay the amount you claim. As well as original term debt, you must cease all collection activities regarding this account. If this account is being reported to any agencies, please note that this debt is in dispute. If you are unable to provide validation, I am requesting this account be removed from my credit file and all collection attempts are ceased immediately. I expect your written response within 30 days of this receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I have discovered a charge on my Target Credit Card account from XXXX for the amount of XXXX. I have called XXXX to dispute the charge and they have told me they will not be able to do anything and asked me to reach out to Turkish Airline for a refund. When I called the airline, they said XXXX should not have sent me to them, as they can only resolve such issue if the transaction were initiated by me directly. Only XXXX will have to initiate the cancel. After several back and forth, I have called my card service to dispute the charge. But target card service said that since the ticket is a non-refundable they will not be able to anything and the fee will stay in my account. I have again sent them a dispute certified letter asking to provide me proof that I have authorized the purchase. Also I have informed that I had reported the issue to the Marchant right away but they did nothing about it. According to Department of Transportation, any transaction within XXXX hours should be able to canceled or corrected, but merchant played role of pushing the responsibility to other vendor. I have gone through all due diligence to dispute a charge that I have not authorized. I need your help to resolve the issue and protect my right as a consumer. Thanks and sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MS

Complaint narrative:
Validation of Debt Request - I C SYSTEM - XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: DE

Complaint narrative:
I submitted a complaint a week ago about my cashapp account that was deactivated. This company responded to my email but said there are no further steps that they need to take which im confused because I would like the reason my cashapp account was deactivated if it can not be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I requested that validation, but they keep asking me for my personal secure information which I shouldnt have to provide. Thats how I got into this mess in the first place, and they insist on me, providing my Social Security and my address and all my personal information for me to get the validation letter in historical

Company response to consumer: Closed with explanation