vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Corporation
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security Number are XXXX. I am writing to formally dispute the incorrect information that appears on my credit reports with XXXX, XXXX, and XXXX regarding an account with First Credit Corporation. The account in question, with a balance of {$5300.00}, is currently listed with a status of 'Charge-Off. ' On multiple occasions, I have disputed this account information as incorrect, specifically on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, using the automated dispute process provided by the credit bureaus. Despite these efforts, the account remains inaccurately reported on my credit reports. I believe this account is being reported in error. The continued presence of this erroneous charge-off is having a detrimental impact on my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. This incorrect reporting is causing substantial harm to my financial reputation and creditworthiness, affecting my ability to secure necessary credit and financial services. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and expect that any unverifiable or incorrect information be removed from my credit reports. First Credit Corporation has not provided sufficient verification of this debt as required under FCRA, yet it continues to be reported across all three major credit bureaus. I am requesting the complete removal of this account from my credit reports with XXXX, XXXX, and XXXX. This correction is crucial for the integrity of my credit profile and to prevent further financial harm. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Last call was today XX/XX/26 XXXX XXXX about debt collection i never received notice of and its estimated about {$1200.00}. They had called twice in the hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
I got approved for a loan for a car but I didnt want the car do to issues on the car so I returned it to change it for another vehicle and they denied me but my account is still open and tell me that the account is closed and they wont provide me any close documents I called the bank that they took the loan from and its still active without me having the vehicle in my possession I have proof recordings and also documentations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I am a military veteran who recently underwent an involuntary medical discharge from the XXXX. Due to this medical separation, I was required to vacate my property on XX/XX/XXXX, and relocate to another state. I have been attempting to complete a VA short sale to avoid foreclosure, but my mortgage servicers gross negligence and administrative delays have now caused my qualified buyer to cancel their contract. My real estate team submitted a complete short sale package on XX/XX/XXXX. Despite providing my involuntary discharge orders and documenting that I could not afford both my new rent and the mortgage, the servicer initially denied the short sale on XX/XX/XXXX. They claimed I was " current '' on payments, entirely ignoring the VA 's " imminent default '' criteria for service members in transition. Because the servicer was stalling, my agent contacted the Department of Veterans Affairs ( VA ) directly. The VA reviewed my file and granted pre-approval to proceed with the short sale on Thursday, XX/XX/XXXX. However, the servicer sat on this VA approval and failed to provide the formal short sale approval letter to my team until Monday, XX/XX/XXXX, at XXXX XXXX. By withholding this information for four days, the servicer allowed the buyers final contract extension to expire on Friday, XX/XX/XXXX. Because the servicer did not deliver the approval before that deadline, the buyer has canceled the transaction. The servicers failure to perform a basic administrative taskforwarding an existing approval in a timely mannerhas victimized me during a vulnerable military transition. I am now facing severe financial hardship and imminent credit damage due to a situation the servicer intentionally or negligently created. I am seeking a full investigation into their handling of this file and protection for my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
So I use chime and I contacted chime on XX/XX/XXXX about unauthorized transactions that were made on XX/XX/XXXX and XXXX which I didnt notice for a while causing me to lose XXXX dollars around there due to it being made with XXXX related transaction as shown in the attachment screenshot and then denying my dispute here i have told them my card was not with me at all which is why I was requesting a new one since I did lose my card and didnt notice e I did for a while during this time and my dispute was denied when I never made any of the transactions related to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year> night I was contacted via phone the number showed up as XXXX, this is my bank, the person on the phone a male stated his name was XXXX XXXX XXXX XXXX fraud agent, he asked was I traveling, I said yes but where? He said XXXX GA I said no not there. He then said there were charges hitting my account did I make those I he named them from XXXX, I said no. He said well we need to shut your account down and send a new debit card. It will be sent certified mail, I said ok, I was not suspicious as the fraud department has called me before like this. He asked identifying questions also. He then asked to verify the amount in my checking account. He then said well your Cash App account has also been compromised. He then told me there were automatic direct deposit withdrawals to come out of my Cash App account, so he said I needed to transfer the amount from my checking account into my Cash App to ensure the amount was there to cover and it would then go back into my checking account in the morning. I transferred a total of XXXX plus fees in separate amounts to my Cash App account from my linked checking account as instructed. He then gave me a debit card number to enter which he stated was my new XXXX debit card where my money would go. He stated that he would call back in the morning to ensure that the direct deposit did not come out of my account. He called the next morning it showed up as XXXX, it was the same exact instructions this time it was XXXX plus fees. After I hung up and checked my checking account and had no money I was extremely concerned. I contacted XXXX fraud department and they stated it was not a XXXX fraud agent that contacted me and gave these instructions. I explained this was not a authorized transactions as this was a imposter posing as my bank representative. XXXX filed a fraud complaint, notified FTC and filed a criminal report, I also contacted Cash App on XX/XX/year> the after I hung up with the XXXX. They stated they would wait on a investigation until my bank completed theirs. But I contacted Cash App again to advise I wished to file a fraud complaint. I have contacted them at least 3 times. XX/XX/year> they stated in chat well they have not indicated a investigation but they would do so now. I advised Cash App my bank will not refund because they stated because the scammer had me transfer the funds via Cash App it was authorized. But I told Cash App support the bank stated Cash App was responsible because the scammer posed as my bank a trusted financial institution and the money came directly from my checking account, I also advised this has been reported to the FTC & police department. They told me I had to wait and additional 10 days, even though the investigation should have been initiated on XX/XX/year> when I contacted Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I started seeing an issue with my escrow account. I know that it is normal to have shortages ever so often but since I have been with Rocket Mortgage, I have had huge money discrepancies of shortages. Every year they give the same reasoning. This past year, I kept an close watch on my account. This year alone they said I was almost XXXX short. I looked around both property taxes and insurances to see if there were any increases. The only increase was the home insurance which was XXXX dollars increase. I called and questioned where the other money is coming from. I did not get a good answer. I went ahead and changed my insurance and actually resulted in being XXXX increase from last year. I submitted all documents to rocket mortgage. After they analyzed everything. They said I still owe {$920.00} in which they increased my mortgage payment by almost {$200.00}. I called again and explained to them that I wanted an explanation on this matter before I report this the CFCB. Again their answer did not justify the increase. Every year rocket mortgage has had me pay minimum XXXX to XXXX dollars extra. I went ahead and calculated the escrow account to make sure I wasn't short on money but again rocket mortgage claimed I am short even though documents shows how much I pay every month on escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Complaint Against Central Portfolio Control , Inc. I am filing this complaint regarding improper and potentially unlawful debt collection practices by Central Portfolio Control , Inc. On or about XX/XX/year> I received an unsolicited text message from this company identifying itself as a debt collector. The message stated : " XXXX XXXX, we will try calling you in the next several days. In the meantime, for possible discount or payment options on your account, please visit us online at www.PayCPC.com using AGENCY ID : XXXX or call XXXX. Text STOP to unsubscribe. '' This communication raises several serious concerns : The message attempts to induce payment or engagement without providing any of the disclosures required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including the amount of the debt, the name of the original creditor, and notice of my right to dispute the debt. The company is attempting to collect on an alleged debt prior to providing any written validation or verification of the obligation. The use of text messaging as an initial contact method, combined with a link and agency ID, creates confusion and raises concerns about the legitimacy and accuracy of the alleged debt. As of the date of this complaint, I have not received any written notice or validation of this debt by mail. The communication appears designed to pressure immediate action ( payment or contact ) before the consumer has an opportunity to verify the debt. I dispute this alleged debt in its entirety. I have not been provided with sufficient information to determine whether this debt is valid, belongs to me, or is legally collectible. I request that Central Portfolio Control, Inc. be required to : Provide full validation of the alleged debt, including the original creditor, account details, and chain of assignment Cease all collection activity until proper validation is provided Refrain from reporting any information to credit reporting agencies until the debt is properly validated Confirm whether this debt has been reported or is intended to be reported to any credit bureau Additionally, I request that all future communications be conducted in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding an unauthorized withdrawal of funds from my checking account. On XX/XX/year>, I deposited a check in the amount of {$1100.00}. The deposit officially posted to my account on XX/XX/year>. However, after the funds became available, the bank removed the full amount of {$1100.00} from my account without my authorization. The funds deposited are from XXXXXXXX, which is a government assistance program. These funds are intended for basic living expenses and are considered protected public assistance benefits. There are federal protections, and XXXX exemption laws that I believe would make this garnishment illegal. Navy Federal Credit Union did not flag the check that I deposited even though it included the XXXX case worker number for my benefits and also my case number. Meaning that the information was available right there on the check for the bank to easily identify that it was protected, but they still proceeded to take the money. I went to the bank in person on XX/XX/year> to get clarification on why the money was taken, and the person who helped me called their internal collections agency to see if we could get approval to release my funds, but the collections department declined to speak to me over the phone because they were about to close, and said to call them the next day instead. The bank teller then proceeded to give me a phone number to call. I plan to call the bank on XX/XX/year> to continue attempting resolution. I did not authorize this withdrawal, and removing these funds has caused immediate financial hardship. I rely on these benefits for essential needs such as housing, food, and daily living expenses. This debt was already sent to collections, and I need clarification on who currently owns the debt. I was not given clear notice that these funds would be taken. I am requesting : 1 ) A full explanation of why these funds were removed 2 ) Documentation showing the legal basis for taking funds derived from government assistance 3 ) Clarification on the ownership status of the debt 4 ) Immediate reimbursement of the {$1100.00} If the bank believes it has the right to take these funds, I request that they clearly identify the agreement or law that permits them to remove protected government benefits from my account. I would like this matter investigated and resolved as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I am a Successor in Interest for a mortgage loan following the death of my spouse in XXXX. The previous mortgage servicer was notified of this change in XXXX. Since the loan was transferred to the current servicer ( Newrez ), I have faced repeated failures by the company to recognize my legal status despite full compliance with their requests. On XX/XX/XXXX, I mailed the death certificate and my identification to the company. On XX/XX/XXXX, I received a letter from them ( Ref # XXXX XXXX XXXX ) acknowledging my inquiry. However, instead of updating the account, the company sent another letter on XX/XX/XXXX ( Ref # XXXXXXXX XXXX XXXXXXXX ), requesting the exact same documents I had already provided. The company continues to inaccurately list the account as " Estate of [ Spouse Name ] '' and refuses to update the borrower information to my name. I have provided a Letter of Authorization from the Probate Court and a recorded Deed confirming my ownership. The companys persistent failure to process these legal documents and their repeated redundant requests constitute a violation of RESPA and Regulation X ( 12 C.F.R. 1024.30 ) regarding Successor in Interest protections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
This complaint is a supplemental filing to prior complaints dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding Fifth Third Banks reporting of a fraud-related deposit account to XXXX XXXX XXXX Fifth Third Bank closed my account on XX/XX/XXXX and reported the account as checking account fraud. I have repeatedly disputed this classification directly and through regulatory complaints. In response, the bank has only provided general statements and account records reflecting returned deposits, overdrafts, and fees. These records do not establish fraud or intentional misconduct. Despite multiple disputes, Fifth Third Bank continues to verify the fraud-related reporting without identifying : The specific transaction ( s ) or event ( s ) supporting a fraud determination The non-privileged records reviewed after my disputes The method of verification used to confirm the reporting XXXX XXXX XXXX has continued to rely on the banks conclusions without demonstrating that a reasonable reinvestigation was conducted. I issued a formal written demand via certified mail and fax requesting the documentation used to verify this fraud classification. No substantive verification has been provided. At this stage, the issue is not a disagreement over account activity. The issue is the continued verification of a serious fraud designation without substantiating evidence after repeated disputes and formal notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I am submitting this complaint regarding my Apple Card/Goldman Sachs account because inaccurate and/or incomplete information is being reported and has not been properly investigated or corrected. On or about XX/XX/XXXX, I reviewed my credit report and discovered that the Apple Card/Goldman Sachs account was reporting derogatory information that I dispute as inaccurate, incomplete, and unverifiable. The account is reporting a balance of approximately {$15000.00}, with negative payment history and/or charge-off information that I believe does not accurately reflect the account history. On XX/XX/XXXX, I disputed this account with the credit reporting agencies and/or Goldman Sachs . I requested a reasonable reinvestigation, correction or deletion of any unverifiable information, and documentation showing how the information was verified. Despite my dispute, the account was verified or continued reporting without providing me with the actual method of verification, complete source records, billing statements, payment history, or documentation proving the accuracy of the disputed information. I believe the company failed to conduct a reasonable investigation and failed to ensure the information being furnished is complete and accurate. I am requesting that Goldman Sachs and any involved credit reporting agency provide the complete investigation results, the method of verification, the source documents relied upon, the full payment history, the date of first delinquency, and proof that all disputed information was properly verified. If the information can not be verified with competent documentary evidence, I request that the inaccurate reporting be deleted or corrected immediately. This inaccurate reporting has harmed me by negatively affecting my credit profile and ability to obtain credit on fair terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I submitted a claim with complaint ID XXXX against XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX. I closed this account on XX/XX/XXXX. Then received a letter via email & mail stating that a credit balance of {$2000.00} had been posted to my account. I continued to receive notices from XXXX regarding the account that should have been closed. I then called their customer service line on XX/XX/XXXX at XXXX ( XXXX ) XXXX at approximately XXXX XXXX to ask about the current credit balance that was showing $ ( XXXX ), which I then received an email stating that was my current balance. I asked the representative how do I get the money & she stated that they would be sending me a check to the address I have on file with them. I was out of town at the time & I have just returned to check my mail on XX/XX/XXXX. The check states that it is to be void within 90 days & it has not been the XXXX days because it is dated for XX/XX/XXXX. Today, I finally got around to trying to cash my check in person ( because my XXXX account would not process it ) & I get a disbursement receipt returned to me from XXXX where I attempted to cash my check ( please see attachments to verify ). I called the number on the receipt from XXXX to inquire why the check tendered to me via mail from XXXX XXXX XXXX XXXXXXXX, & was met by an automated system that stated they could only send me copies of my file. This company 's name is XXXX XXXX XXXX XXXX.I did request copies of this file. I now have proof that XXXXXXXX XXXX XXXX XXXX issued me a fraudulent check. I called XXXX XXXX XXXX XXXX today to ask them about this as well as why I was not sent a negotiable instrument for my original credit balance of $ ( XXXX ) & informed the representative that the call was being recorded. He then placed me on hold & told me that he could not talk to me & that an American supervisor will be reaching out to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation