vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/year>, my husband and I agreed to install solar panels at our home in XXXXXXXX XXXX The system was sold and installed by XXXX XXXX XXXX and financed through Dividend Finance, a division of Fifth Third Bank. During the sales process, we were repeatedly told that installing solar panels would eliminate or replace our electric bill and that the system would cover our homes energy usage. Based on these statements, we agreed to proceed with the installation and financing. After installation, we discovered that the loan amount financed was approximately {$99000.00}. Solar panels were installed on structures on our property, including our pole barn and part of the roof of our home. Despite this large loan amount, we continue to receive high electric bills in addition to our monthly solar loan payment. We were not clearly informed about the true cost of the system, potential dealer fees, or the total amount that would be paid over the life of the loan, which exceeds {$150000.00}. The system also does not appear to provide the level of energy savings that was represented during the sales process. We believe the sales presentation and financing terms may have been misleading and that we entered into this loan based on incomplete or inaccurate information about the cost and expected savings. We are requesting that this loan and the associated sales practices be reviewed and investigated. We would also like a full breakdown of the system cost, dealer fees, and financing structure and assistance resolving this loan due to the misrepresentation of expected savings and system performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, around XXXX XXXX. I was manipulated by an unknown male scammer to wire money from my Navy Federal Credit Union ( NFCU ) account to his XXXX XXXX. The reason for the scam was a clearance from my account. It was a male with an American accent. I got a call from a spoofed NFCU Fraud Department number saying my account had been compromised which he did himself and a loan from XXXX was taken out under my name by a guy from California, which is not true. I rolled with it and he made me launder into XXXX and then to his XXXX account {$3400.00}. I only got back what was actually compromised but not the full amount because I tapped the buttons and he didn't, I was denied by NFCU because I was part of the scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting XXXX my credit file XXXX is against my rights XXXX fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am disputing this account as inaccurate XXXX 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 ) XXXX, I am entitled XXXX 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
Validation of Debt Request - SPRINGOAKCAP - XXXX * * * XXXX I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA XXXX seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid Bank of America ( XXXX ) {$430.00} XXXX times ( XXXX ) : First time on XX/XX/year>, without my knowledge, from XXXX Bank of America ( XXXX ) checking account and XXXX applied this amount to my XXXX credit card. Second time, my XXXX autopay checking paid {$430.00} on XX/XX/year>. XX/XX/year> XXXX stated it was a refund but erroreouly debited/billed/charged me again {$430.00}, the third time ( XXXX ). I paid {$430.00} x XXXX = {$1300.00}. XXXX stated this is standard practice for their refund. On XX/XX/XXXX, XXXX time only, XXXX refunded {$430.00} to my XXXX checking acccount resolving the XXXX ( XXXX ) paid in XX/XX/year>. From XX/XX/XXXX to now, XXXX refuse to refund {$430.00} claiming a XXXX day techicality to absolve themselves from returning a elderly couple savings on fix income is profiting from their erroreous accounting.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
Advised that a company called from XXXX XXXX location services contacted a third party at the number listed identifying themselves as a litigation company or threatened litigation against me. The company inquired whether the third party was XXXX XXXX or if they knew me. The third party is not associated with the purpose of the call. The telephone number called was not a number that was associated with me. To date, I have never received any written communication from this company and do not know what the call is regarding. I only found the name of the company when I googled the number that the third party said they called from.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I sent money XXXX my friend with his number on chime with pay anyone transfer I sent XXXX $ but after sending money I was shown another person name but the number I used is my friend number so XXXX cross check it I sent XXXX $ again but the money again went XXXX unknown person who name as XXXX XXXX So I asked my friend XXXX install chime XXXX login now I sent XXXX $ again XXXX the same number which I used before this time my friend received the money of XXXX $ But my money XXXX XXXX XXXX XXXX $ which I sent XXXX went XXXX some unknown person who was linked XXXX chime before my friend but the number he linked is my friends number this is way the money goes XXXX wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
CFPB XXXX XXXX for XXXX XXXX Payment Calculation Explanation Consumer : XXXX XXXX XXXX XXXX : Shellpoint Mortgage Servicing / NewRez Loan Type : VA XXXX Mortgage XXXX : XXXX XXXX XXXX, XXXX, TN XXXX I am submitting this complaint XXXX request a clear explanation of how my mortgage payment has increased XXXX an amount that appears inconsistent with the loan Note XXXX the payment history on the account. The Note for this VA mortgage, dated XX/XX/XXXX, shows the following : Principal balance at origination : {$620000.00} Interest rate : XXXX % Contract monthly payment ( principal XXXX interest ) : {$3400.00} For most of the life of the loan, the payment required by the servicer has been approximately {$3900.00}, which reflects principal, interest, taxes, XXXX insurance through escrow. However, Shellpoint has now issued an escrow analysis stating that beginning XX/XX/XXXX, the required monthly payment will increase XXXX {$4300.00}. At the same time, the account dashboard shows : Current principal balance : {$580000.00} Escrow balance : {$2900.00} I am requesting that the CFPB require Shellpoint XXXX provide a clear explanation of the following : XXXX. A full escrow analysis showing how the payment increased from approximately {$3900.00} XXXX {$4300.00}. XXXX. The exact calculation used XXXX create the {$2900.00} escrow balance, including all disbursements for taxes, insurance, XXXX any other charges. XXXX. A breakdown of all escrow payments made on my behalf in the past XXXX months. XXXX. Identification of any escrow shortages or advances that caused the payment increase. XXXX. Confirmation that the calculation complies with VA loan servicing requirements XXXX federal escrow rules. This request is simply for clarification. I am trying XXXX understand how the required payment increased XXXX {$4300.00} when the original contractual principal XXXX interest payment is {$3400.00} XXXX the account has been consistently paid. Please provide a clear accounting showing how the current payment amount was calculated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant XXXX XXXX XXXX XXXX ( b ) XXXX XXXX XXXX XXXX, I am entitled XXXX an accurate credit report. I request a review of these entries, XXXX 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 non-monetary relief
Consumer complaint received 2026-03-11 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: NY

Complaint narrative:
I am disputing the following charged-off account that is inaccurately reported on my credit report. I request a thorough investigation XXXX resolution of this account. Charged-Off Account : XXXX XXXX Account Number : XXXX * * * *, Date Opened : XX/XX/year>, Balance : {$4600.00}

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 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RockLoans Holdings LLC
State: MI

Complaint narrative:
I am submitting this complaint as the victim of identity theft involving a personal loan opened with Rocket Loans for approximately {$20000.00}. I never applied for or authorized this loan. My former fianc used my personal information without my knowledge or permission XXXX obtain the loan. The loan proceeds were deposited into my bank account under the false representation that they were a vendor payment related XXXX his business. Based on that representation, I immediately transferred the funds XXXX him XXXX did not retain or benefit from any of the loan proceeds. XXXX I discovered the fraud, I filed an Identity Theft Report with the Federal Trade Commission XXXX a police report documenting the identity theft. These documents were provided XXXX Rocket Loans ; however, the company concluded that the loan was valid despite the evidence that the account was opened fraudulently. There is also a pattern of identity theft involving the same offender. XXXX XXXX XXXX previously investigated a vehicle lease opened in my name XXXX confirmed that identity theft occurred, ultimately repossessing the vehicle after determining the lease was fraudulent. Additionally, XXXX XXXX XXXX is currently investigating another vehicle lease opened in my name through XXXX XXXX that I did not authorize. These incidents demonstrate a clear pattern of identity misuse by the same individual. Because I never applied for this loan, I request that Rocket Loans provide the complete loan origination evidence, including the original loan application, IP address logs, device fingerprint information, electronic signature certificate, identity verification records, XXXX any documentation showing how my identity was verified during the application process. I request that Rocket Loans conduct a formal reinvestigation of this matter based on the identity theft documentation provided and the pattern of fraudulent accounts opened by the same individual. Because this account resulted from identity theft, I am asserting my rights under the Fair Credit Reporting Act XXXX request that Rocket Loans correct the inaccurate reporting associated with this fraudulent account XXXX remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: MS

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT ADJU/ADVANCE AMERICA - XXXX * * * XXXX I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA XXXX seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed XXXX collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX of 2024 I was involved in an accident which totaled my XXXX XXXX XXXX. Upon making a claim with my state farm insurance provider they sent money to me, and they sent money to pay off the remaining balance on the XXXX XXXX to JP Morgan Chase... Months go by and I decide to check my credit. My car is still on my credit. So I give chase a call. They say they don't have the money at all and they returned the check to state farm in the amount of {$1700.00} ( or just over that amount ) but upon checking with state farm, they have record of the money they sent to chase as being completed " cashed '' " paid out '' as in chase DID in fact take the money... They have failed to properly apply the credit to my account and thus giving me the run around claiming they DONT have the money. I'm currently in investigation with state farm to try and resolve this matter but if further recourse is needed I can escalate it to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FC HoldCo LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX : Demand for Deficiency Accounting Account No. : XXXX Vehicle : XXXX XXXX XXXX XXXX : XXXX To Whom It May Concern, This letter is a formal request for an accounting of the alleged deficiency balance claimed following the repossession and disposition of the above-referenced vehicle. Pursuant to UCC 9-210 and 9-616, I am requesting a complete and itemized accounting of the loan and the calculation used to determine the alleged deficiency. Your deficiency notice dated XX/XX/XXXX indicates that the vehicle was disposed of on XX/XX/XXXX, yet the calculation references an aggregate unpaid balance as of XX/XX/XXXX. This discrepancy raises serious questions regarding the accuracy of the balance and whether additional interest or charges were improperly included. Please provide the following documentation : A complete payment history for the account from origination to present. The payoff balance as of the repossession and/or sale date. A full breakdown of how the alleged deficiency was calculated. Documentation showing the date, location, and method of the vehicle sale. Evidence that the sale was commercially reasonable under UCC 9-610. Itemization of all repossession, storage, and sale costs. Documentation of any rebates of unearned finance charges, warranties, or XXXX coverage. If a complete and accurate accounting can not be provided, the deficiency balance should be corrected or withdrawn and any related credit reporting updated accordingly. Please respond within 14 days of receipt of this request. Sincerely, XXXX 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 2026-03-11 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: Block, Inc.
State: TX

Complaint narrative:
Money was withdrawn from my account through the cash app due to my bank card being linked to the app on XXXX XXXX. I reported it to cash app immediately to get my money refunded. The account was closed. The card was canceled and the account was closed. It was obvious someone had added their email and phone to my account. I have still not been able to get my refund and everytime I call cash app they come up with some excuse. Now they are saying I need to file a separate claim for each withdraw which they never said in the 10 times I've called this month. They just dont want to pay. They are thieves. They owe me {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is XXXX XXXX. XXXX to my existing CFPB Complaints XXXX and XXXX filed XX/XX/XXXX against Bank of America for XXXX foreclosure XXXX my property in XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please link this submission to both existing complaints. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX existence ceased XX/XX/XXXX confirmed by federal securities filing. The fabricated Assignment is dated XX/XX/XXXXXXXX XXXX days after XXXX died. XXXX independent sources confirm this fact including Florida XXXX records and XXXX 's own XXXX XXXX in writing. XXXX XXXX : My original XXXX XXXX has NO Mortgage Identification Number anywhere on any page. Every transfer required a recorded paper assignment in XXXX XXXX. None exist. The loan is legally orphaned. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX who signed the Assignment was a XXXX XXXX XXXX employee. She signed in XXXX Texas for a dissolved California company. XXXX employees were criminally prosecuted for this conduct. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX closed XX/XX/XXXX. The Assignment is dated XXXX XXXX XXXX months late. Under New York XXXX XXXX this transfer is void ab initio. XXXX XXXX XXXX : XXXX created XXXX Mortgage and owned XXXX XXXX XXXX. XXXX 's account number appears on the fabricated Assignment. XXXX filed Form XXXX winding down the trust 49 days before the fabricated Assignment appeared. PHYSICAL EVIDENCE : I have original copies of XXXX XXXX credit bureau reports from XXXX and XXXX XXXX XXXX XXXX never appeared in my mortgage history. I have original government letters from Florida XXXX and XXXX spanning XXXX through XXXX. I filed an FBI complaint during the foreclosure and have requested those records. I intend to file a new FBI complaint if Bank of America does not resolve this matter. XXXX XXXX XXXX has XXXX submissions on file as of XX/XX/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