vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NOVA Financial Holding Company, LLC
State: AL

Complaint narrative:
Dear CFPB, Under the Real Estate Settlement Procedures Act ( RESPA, 12 CFR 1024.35 ), I am notifying you of errors in the servicing of my mortgage loan ( Loan # XXXX ) by Nova Home Loans : XXXX. * * Failure to Disclose New Service Partner * * : They failed to provide timely notice of a new service partner handling my loan, as required by RESPA ( 12 CFR 1024.33 ). I discovered this change only through my own research of the provided address of the new servicer, which caused significant confusion when in the transfer letter the outgoing & incoming business name of the lender/servicer are both NOVA Home Loans. The eventual disclosure does not excuse the initial concealment. 

XXXX. * * Failure to Notify of Payment Structure Change * * : Nova changed the PMI payment structure from in arrears ( due at the end of the month for that months use ) to in advance ( due at the beginning of the month ) without any notice. This forced me to diligently review my statements to avoid potential harm and writing several billing dispute messages to you, creating an undue burden. Attached is the response by Nova Home Loans admitting the payment structure has changed to in advance since the loan transferred to the new servicer. See the attached " XXXX ''. The attachment is the only announcement Nova Home Loans has made on the payment structure change. Current customers are still being affected by this issue without their knowledge. 

These errors constitute improper servicing under RESPA ( including 12 CFR 1024.39 for early intervention and notification requirements ) and may violate CFPBs UDAAP rules ( Unfair, Deceptive, or Abusive Acts or Practices under 12 U.S.C. 5531 ) by engaging in deceptive omissions that burden borrowers, as well as XXXX Deceptive Trade Practices Act ( Ala. Code 8-19-1 et seq. ). While I avoided financial harm through vigilance, the lack of transparency was burdensome. 

Please investigate these actions to confirm the violations set forth under RESPA and XXXX  law.

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 2025-10-26 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: OR

Complaint narrative:
Verify that all disputed accounts are resolved and removed in accordance with legal standards.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes
which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Columbia Debt Recovery, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Re : Debt Validation Request To Whom It May Concern : I am responding to your recent communication regarding the above-referenced debt. I received a notification on XX/XX/year> through XXXX XXXX stating that I owe {$2300.00} to an apartment complex called XXXX at XXXX XXXX. I dispute this debt in its entirety. I have no contractual relationship with your company, and I have not received proper validation as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Until you provide written verification of the debtincluding the name and address of the original creditor, and a copy of any original contract bearing my signatureyou must cease all collection efforts, including reporting to any credit bureaus. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX To : LVNV Funding LLC XX/XX/XXXXPhone : ( XXXX ) XXXX Subject : Formal Cease and Desist Dispute of Unauthorized Account Reporting Dear LVNV Funding LLC, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c ( c ) ) and a formal dispute under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) regarding your companys unauthorized and inaccurate reporting of an alleged collection account on my XX/XX/XXXX credit file. 

Account details as reported : Creditor : LVNV Funding LLC ( Debt Buyer ) Original Creditor XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/year> Balance Reported : {$540.00} Status : Collection Account {$540.00} past due as of XX/XX/year> I have never received any written notice of assignment, validation, or verification of this alleged debt as required by 15 U.S.C. 1692g ( a ). Furthermore, you have no legal right to report or attempt to collect a debt that has not been properly validated. This reporting constitutes : False or misleading representation of debt ownership ( 15 U.S.C. 1692e ( 2 ) ( A ) ), Unfair collection practices ( 15 U.S.C. 1692f ), and Furnishing of inaccurate information to a consumer reporting agency ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Accordingly, I hereby demand the following : 1. Cease all communication and collection activity with me, including phone calls, letters, or emails, except for notices permitted by law.

2. Cease reporting this account toXX/XX/XXXX, and XX/XX/XXXX pending full validation. 
3. Provide written proof within 30 days that LVNV Funding LLC legally owns or was assigned this alleged debt, including : A copy of the original signed agreement, The full chain of title from the original creditor to LVNV Funding, and The complete account history showing how the alleged balance was calculated. 
4. Delete or correct all inaccurate information if you can not substantiate the debt. 

Failure to comply with this request will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the New Jersey Attorney Generals Office, and may subject LVNV Funding LLC to civil liability under 15 U.S.C. 1692k and 15 U.S.C. 1681n. 

All future communication must be in writing only to my mailing address listed above. 

Sincerely, ______________________________ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XX/XX/year>, XXXX was taken out of my checking account by XXXX I have disputed this transaction with T & D Bank. The bank had sent me a letter stating We have reviewed your dispute in the amount of XXXX we have concluded that the error did not occur. The reason for this decision the device used to initiate the claim activity has been consistently assessing the account in/ or the Ip address used to initiate the claim activity has been consistently assessing the account. 

This is the date posted for the XXXX transactions XXXX XXXX in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX in the amount of XXXX Dispute was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Auto Trakk, LLC
State: NJ

Complaint narrative:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : XXXX To : Auto Trakk , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute Inaccurate Reporting of Closed Auto Lease / Voluntary Surrender Dear Auto Trakk , LLC, I am writing to formally dispute the reporting of the below-referenced account on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Account Information : Creditor : Auto Trakk , LLC Account Type : Auto Lease Account Number : XXXX Original Balance : {$19000.00} Current Balance ( reported ) : {$12000.00} Status : Voluntarily Surrendered Closed Account Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX This account is being inaccurately reported as an open or active negative account, even though the vehicle was voluntarily surrendered and the account has been closed. 

Additionally, I am disputing the reason and reporting of delinquency, as the vehicle had persistent mechanical issues within the first year of possession. The car spent significant time in the repair shop, rendering it unusable for transportation purposes and causing financial hardship. Despite my efforts to work with your company, I was left with no viable option other than voluntary surrender due to these unresolved issues. 

Because this account was closed, voluntarily surrendered, and connected to a vehicle with repeated defects, it should not continue to reflect ongoing negative payment history or delinquency. Continued negative reporting is misleading and unfairly damaging to my credit profile, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information known or believed to be inaccurate.

Requested Actions I hereby request the following actions be taken : XXXX. Immediate reinvestigation of this account and its reporting accuracy with all credit bureaus ( XXXX XXXX and XXXX  ). 
XXXX. Removal or correction of all negative or inaccurate information associated with this account, including late payments and the active negative status. 
XXXX. Written confirmation that the account has been updated to reflect a closed, voluntary surrender with a XXXX balance ( or deleted if unverifiable ). 

Under the FCRA, you are required to complete this reinvestigation within 30 days of receipt of this letter and provide written notice of the results. 

If you are unable to verify the accuracy of the reported information, the law requires that it be deleted from my credit report immediately. 



Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KY

Complaint narrative:
Chime Bank offers " Deals '' on their app. You click " deal '' and it takes you to a promo to reimburse you on gas per gallon. For instance, on XX/XX/XXXX, I clicked " deal '' and the promo was use my Chime card at XXXX XXXX and get gas per gallon at {$2.00} vs {$2.00}. In a day or so, Chime deposits the amount saved in my checking account. This promo has worked some, but most times lately, they do not give me the gas per gallon savings. I attempt to call, XXXX t on their app, email support and they tell me it will be deposited within such amount of days. It never does. I find this to be the classic " bait and switch '' to get the. Consumer to use the Chime partner but never come through to pay what is due and what has been promoted and promised. This is essentially fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ensure that all disputed accounts are taken off in a legally timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
We had a loan with XXXX XXXX to pay XXXX XXXX XXXX to replace our XXXX  years kitchen cabinets for {$20000.00}. They came in and quickly spray painted them and left. They spray painted my ceiling, counter top and floor. The last I saw them XXXX. I contacted XXXX XX/XX/year>. When I saw what was XXXX I called the XXXX and asked them not to pay them. I called before the payoff date. I call so many times that I asked a statement of proof. They said that wanted to give them until XXXX to correct the problem. I said no, dont pay them. Every time I called from then on I spoke to a different person that had no record of my previous call. So every call a new complaint call. This went on for months. They even told that I had to make the first payment even if my bill was in dispute. I made the payment but I want it refunded. I contacted XXXX  about this issue. They have now put a lien on my home.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ensure compliance with law through timely removal of disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX : Account Number : XXXX Original Creditor : XXXXXX/XX/XXXXXXXX XXXX. 

To Whom It May Concern : I am writing to dispute the debt referenced above and to request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I request that you provide the following information : 1. Proof that Portfolio Recovery Associates is legally authorized to collect on this debt, including a copy of the assignment or purchase agreement demonstrating your ownership of the debt.

2. The complete account history from the original creditor, showing all charges, payments, fees, and the basis for the amount claimed.

3. The date of last payment on the account.

4. A copy of the original signed agreement creating the obligation. 5. A detailed explanation of how the amount of {$1200.00} was calculated.

6. Name and address of the original creditor at the time of default.

7. Verification that the statute of limitations has not expired on this alleged debt in my state.

8. Identification of the current creditor as required by law.

Until this information is provided, please cease all collection activities, including reporting or verifying this account with any credit reporting agencies. If you have already reported the account, kindly mark it as " disputed '' while this validation request is under review. 

I request that all future communication regarding this matter be made in writing only. 

Please note that this is not a refusal to pay, but a notice that your claim is disputed. I am asserting my rights under federal law to obtain proper validation before taking any further action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
While traveling to XXXX I was victim of Bank withdraw fraud on XX/XX/2025 to my checking account. 
I contacted on XX/XX/2025 NFCU that checking account fraud was committed in the amount of {$130.00} XXXX times for a total of {$540.00}. The agent help me place the fraud claim and the {$540.00} was then reinstated on my NFCU checking account. 
A month later my claim was deny and the {$540.00} removed from my NFCU checking account ; the denial was based on attachments and review from my NFCU credit card and NOT the checking account were the fraudulent charge was committed. 
Also during the whole process of claim submissions and reviews an agent from NFCU help me with corrections to the claim which now looking back at the issue, it's my believe that it actually made the process a lot worse. I also called NFCU and appealed with NFCU XXXX department back in XXXX, its end of XXXX now and basically they have been stalling me. I contacted today XXXX XXXX and after showing the NFCU agent that the denial was based on incorrect review on the wrong account ( credit card ) and not were the fraud was committed ( Checking account ) she proceed to acknowledge and to mention that there was no direct number to contact the fraud department except through the NFCU website e-message. In other words, the bank can wash their hands passing the issue to a XXXX party company. I found this practice not only unfair to the customer that has already suffered bank fraud, but for a bank that pride themselves on serving our XXXX  forces, veterans and their families this is an insult. That's not even counting that many of their customers are disable veterans like myself. Its shameful to be treated like this to say the least. I have bank statements and communication between myself and the bank which can show what I have described here. It's also my intention to continue to expose what's happening to my local Texas representative or any other government institution that actually support and advocates for the veteran. 
Note : I did explain to NFCU what happened to me on my trip, write and several phone calls so there's no confusion of how many times I have reach to this bank for a resolution. Not only I was victim of bank fraud on a foreign country with no help but now I'm feeling victim of fraud by the same institution that suppose to protect your money or investments.

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