vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NVR INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding a loan XXXX named XXXX XXXX XXXX ( XXXX ID : XXXX ), who is employed by NVR Mortgage Finance XXXX Inc., XXXX XXXX XXXX, Florida. 

Today, XXXX XXXX commented on a video posted on XXXX involving an influencer named XXXX. The video references a highly controversial incident in which XXXX and other influencers were at a nightclub in XXXX XXXX and played a song titled XXXX XXXX by XXXX XXXX. In the video, XXXX explicitly states that he is not sorry and will not apologize for playing or singing along to the song. 

In response, XXXX XXXX commented, No apology needed, accompanied by three heart emojis. This response is deeply concerning, inappropriate, and overtly anti-Semitic. Such a public statement appears to condone or minimize hate-based conduct. 

As a licensed loan XXXX, making statements of this nature raises serious concerns regarding professionalism, ethics, and compliance. This behavior may constitute a violation of federal fair-lending and consumer-protection standards, including but not limited to XXXX, FCRA, and XXXX XXXX and is especially troubling given the potential impact on XXXX clients or any protected class she may serve. 

I respectfully request that this complaint be escalated and thoroughly investigated. Conduct of this nature is harmful, undermines public trust, and has no place in the mortgage or financial services industry. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX. 
RISK / XXXX Department XXXX XXXX XXXX XXXXXXXX, FL XXXX Re : Demand for Immediate Withdrawal of ChexSystems Report Suspected Fraud Activity ( No Monetary Loss ) I am writing to formally demand that XXXX XXXX XXXXXXXX immediately withdraw and remove the negative ChexSystems entry you furnished regarding my closed checking account, which is currently reported as Suspected Fraud Activity despite expressly stating NO MONETARY LOSS. 
This reporting is false, misleading, and materially harmful, and it has caused and continues to cause substantial damage to my ability to function financially and maintain employment. 
Please be advised that the ChexSystems disclosure confirms : No monetary loss to XXXX XXXX XXXXXXXX No outstanding balance Account closure dated XX/XX/year> The ChexSystems disclosure is enclosed for your reference. Please be further advised that the alleged fraud arose from a duplicated check that was reported by me as fraud. XXXX XXXX XXXXXXXX previously cleared me in connection with this matter. Despite this, XXXX continues to furnish a stigmatizing fraud designation to ChexSystems. 
Because of this report, not only I am unable to open any bank account, but I can not receive my employment wages via direct deposit. I am also unable to maintain a debit card. I am experiencing serious disruptions to paying rent, utilities, and basic living expenses. This is real, ongoing financial harm, not speculative inconvenience. 
XXXX XXXX XXXXXXXX continued reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : ( 1 ) 15 U.S.C. 1681s-2 ( a ) Furnishing information that is inaccurate or misleading ; ( 2 ) 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable 2 investigation and correct information after dispute ; and ( 3 ) 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 
Reporting a consumer as associated with suspected fraud while simultaneously acknowledging no monetary loss and no liability is inherently misleading and unlawful. Courts have repeatedly recognized that false fraud designations are among the most damaging forms of consumer reporting and can support actual damages, statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o. 
Accordingly, I hereby demand that XXXX XXXX XXXXXXXX immediately withdraw and delete the ChexSystems entry in its entirety ; Cease all further furnishing of any fraud-related designation associated with my name and Social Security Number . Furthermore, Im requesting that XXXX XXXX XXXXXXXX provide written confirmation that the withdrawal has been transmitted to ChexSystems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted my application for Teacher Loan Forgiveness ( TLF ) to CRI. I completed the required 5 year period of teaching at eligible schools on XX/XX/XXXX. In the middle of XXXX I received a response from CRI stating that my application was incorrect and in addition I had to change my response for the end date section from " present '' to an actual date, which it is impossible since I am still working as a teacher. 
On XX/XX/XXXX I called CRI and spoke with a XXXX. He admitted that my application was correct and I should receive communication from them in the next XXXX business days to confirm that everything was being processed as it should have been. Meanwhile my account was placed in forbearance till the end of XX/XX/XXXX. 
Since they never contacted me, I called CRI again on XX/XX/XXXX. I was told that my application was being processed but the process period will take 82 days. Now, if there was no mistake from them, everything would have been resolved, but now the 82 day period counts not from my original application date of XX/XX/XXXX, but from XX/XX/XXXX. This was the date that they admitted on the phone that they had made a mistake in assessing my application. As a consequence, I have to continue my loan payments for at least two months till my application to be processed. During my last communication with them on XX/XX/XXXX, the representative claimed that my student loan would be place in forbearance again, but this was another false statement from their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Was notified by a stranger that my vehicle was being towed for repossession. Got on the phone immediately with American Credit Acceptance and explained that this is an error and payments have been made to said company. They kept ignoring me and stalled until their reinstatement division closed so they wouldnt have to stop the repossession. Keep in mind it was XXXX XXXX time and their office wasnt closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
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, TX XX/XX/26 Columbia Debt Rcvy Genesis XXXX XXXX XXXX XXXX, WA XXXX RE : FINAL NOTICE FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account.

Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation.

Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; XXXX. A full chain of title, including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information, if required by law in your jurisdiction.

A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to consumer reporting agencies is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair practices 15 U.S.C. 1692g Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within fifteen ( 15 ) calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and court costs.

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue civil litigation. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I sent them certified debt validation letter. In return just received letter saying I owed them. They did not validate that I owe this collection agency a debt. No proof of contract was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
I am seeking XXXX XXXX XXXX XXXX. I have been with a qualifying employer for almost 11 years. My loans should have been eligible for forgiveness in XX/XX/year>. I was put on the XXXX plan and then placed into administrative forbearance because the XXXX litigation. I have submitted multiple requests in the last year and a half to switch to XXXX or another income based repayment plan and Mohela refuses to process my form, refuses to give me a timeline when they will process it, or even tell me if there is an error with my form. I applied most recently in XX/XX/year> and again in XX/XX/year>. I have waited on hold for XXXX hours to speak to someone. When I get through they just tell me to wait. They also once in XX/XX/year> billed me over {$600.00} which I was forced to pay to avoid defaulting but because it was not income-based repayment to doesnt count towards forgiveness. I have been waiting over 2 years to make my final XXXX payments. I am giving up hope.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
To Whom It May Concern, This communication constitutes a formal dispute of the above-referenced account and a demand for full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I do not acknowledge any obligation for this alleged debt. 

You reference Account XXXX XXXX and claim an alleged balance of {$74.00}. You are hereby required to provide competent and complete evidence that I am legally obligated to pay this amount, including but not limited to the following : The exact amount of the alleged debt, including a complete itemization of principal, interest, fees, and any additional charges. 

The name and address of the original creditor and documentation establishing the chain of assignment, ownership, or authority, including any agreements authorizing TrueAccord Corp to collect on this account.

Copies of any signed agreements, contracts, or other documents bearing my signature that create a legal obligation to pay this debt.

Proof that TrueAccord Corp is properly licensed and authorized to collect debts in my state.

Proof that the alleged debt is within the applicable statute of limitations. 

A copy of any judgment you claim exists, if applicable. 

Until proper validation is provided, you are legally required to cease all collection activity, including but not limited to phone calls, written communications, and credit reporting. 

If you are unable or unwilling to provide proper validation, you are required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to delete this account from any and all consumer credit reporting agencies to which you have furnished information, as the debt can not be verified as accurate.

This notice is not a refusal to pay. It is a lawful demand for verification of your claim. Provide all requested documentation electronically. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
This complaint is a continuation of several previous complaints that Wells Fargo keeps reporting that they have resolved, but they STILL HAVE NOT as of XXXX XXXX, 2026!!! 

I have been fighting with Wells Fargo Mortgage for the last THREE YEARS to get them to report my mortgage payments to all three credit bureaus. They were doing so until half way through my bankruptcy when they not only stopped reporting, but they also have my account REMOVED from my credit reports. 

So, I have NO PROOF WHATSOEVER that I have a credit history that is longer than 10 years, and it continues to negatively impact my ability to get new credit, even with a credit score between XXXX - XXXX. 

Wells Fargo keeps LYING that they have reported all of my mortgage payments to all three credit reporting agencies, yet this is TOTALLY FALSE!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting a complaint regarding Capital One Auto Finances failure to properly process a XXXX XXXX  claim following a total vehicle loss. 

After my vehicle was totaled on XX/XX/year>, the primary insurer paid approximately {$15000.00} directly to Capital One in late XXXX. Capital Ones claim tracker reflected the account as pending XXXX and warranty cancellation. 

From XXXX through XXXX, Capital One repeatedly advised me they were waiting on XXXX  documentation, while XXXX  stated they were waiting on Capital One. I arranged multiple recorded conference calls where Capital One confirmed receipt of required information and committed to resolution. 

Despite these confirmations, Capital One failed to act. The XXXX claim was later denied due to elapsed time caused by this delay. 

I am now facing ongoing financial liability and potential credit damage while being penalized during a bureaucratic process I actively complied with. I am requesting CFPB review of Capital Ones failure to act timely and protect the consumer from preventable harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Garrison Law Office L.L.C.
State: IN

Complaint narrative:
To Whom It May Concern, I am disputing this alleged debt of {$11000.00} appearing on my credit report. I have never received the initial " 1692g '' validation notice from this firm.

Violations : 1. Unauthorized Collection : Garrison Law Firm is operating as a third-party debt collector but has failed to provide the " Chain of Title '' or the Client Retainer Agreement proving they have the legal authority to collect or sue on behalf of the original creditor. 
XXXX. Lack of Validation : I dispute the balance in its entirety. I demand an itemized accounting of how this {$11000.00} figure was calculated, specifically identifying what portion is principal versus interest or attorney fees. 
XXXX. FDCPA Violation : Attempting to collect attorney fees without a judgment or specific contractual authorization is a violation of federal law. 

Demand : Provide the original contract with my signature and a breakdown of all fees. If you can not provide this strict validation, delete this trade line immediately.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
To whom it may concern, This letter is a formal dispute and request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). I am requesting that you provide competent evidence of the alleged debt you claim I owe, including a full accounting and verification of your legal authority to collect it. Under the FDCPA, I have the right to request this information, and you are required to cease all collection activityincluding reporting to credit bureausuntil you have properly validated the debt. Failure to do so is a violation of federal law. Please provide the following : XXXX. The name and address of the original creditor. XXXX. A copy of the original signed agreement or contract, bearing my signature. XXXX. A full itemization of the alleged debt, including all interest, fees, and charges. XXXX. A copy of any judgments ( if applicable ). XXXX. Proof that you are licensed to collect debt in [ Your State ] and are legally assigned to collect this debt. Federal Legal Support : Your obligation to provide proper validation is supported by the following case law : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court held that debt validation must include at minimum a statement of the debt and the name of the creditor, but where requested and challenged, more detailed documentation XXXX be required to avoid FDCPA violations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court emphasized that failure to validate debt when requested XXXX constitute a deceptive practice under the FDCPA. XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court found that a failure to itemize and clearly explain charges could mislead the consumer and violate the FDCPA. Please be advised that : Any attempt to collect this alleged debt without validating it is a violation of 15 U.S.C. 1692g ( b ). Reporting this alleged debt to any credit reporting agency prior to validation also violates the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). I respectfully request that you respond within 30 days of receiving this letter. If you do not provide the requested validation, or if you continue to pursue collection efforts, I will consider this a willful violation of federal law and reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider pursuing legal remedies under 15 U.S.C. 1692k. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Nothing I ask for the original purchase agreement with my signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I am reporting an issue involving an unauthorized loan and lender practices related to Lendumo. 

An unauthorized deposit of {$1200.00} was made into my checking account under the companys name. I did not apply for a loan, authorize a deposit, agree to any loan terms, or otherwise establish a relationship with this lender. 

After noticing the deposit, I immediately contacted my bank and filed a fraud report. The bank reversed the {$1200.00} deposit on Friday, XX/XX/year>. I also contacted the lender to report the fraud and to understand how the transaction occurred. During that initial call, a company agent was able to locate the account and issue a case reference and account reference without requiring highly sensitive personal information. 

After a holiday weekend, on Tuesday, XX/XX/year>, I noticed a new pending withdrawal of {$1200.00} from my account. Because the original deposit had already been reversed, this would have resulted in {$2400.00} taken, even though I am not a customer and had already reported fraud. I contacted the lender again to stop the withdrawal. 

During this contact, I was transferred to supervisors on separate calls. A supervisor named XXXX refused to assist unless I provided my Social Security number, despite the fact that the account had previously been identified without that information. He spoke over me and ended the call without resolving the issue. I then called back and was transferred to another supervisor named XXXX ( spelled XXXX  ), who also refused to assist unless I provided my Social Security number and ended the call without resolving the issue. 

I am concerned about : An unauthorized loan being issued in my name Continued debit attempts after a bank reversal Inconsistent and unsafe verification practices during fraud reporting Potential inaccurate credit reporting related to a loan I did not apply for Although the funds involved a checking account, the issue is with the lenders practices, not a bank error.

Company response to consumer: Closed with explanation