vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Vance & Huffman , LLC recently started reporting on my credit report without my consent nor did they validate said alleged debt. My complaint is for inaccurate and inconsistent credit reporting and for furnishing derogatory collection information without proper compliance and verifiable accuracy. Vance & Huffman is reporting a collection tradeline on my consumer credit reports with material discrepancies and incomplete reporting : Date Opened is inconsistent across bureaus ( XXXX shows XX/XX/XXXX while XXXX  shows XX/XX/XXXX ). Both can not be accurate. 

Date Last Active is inconsistent across bureaus ( XXXX  shows XX/XX/XXXX while XXXX  shows XX/XX/XXXX ). These contradictions indicate the data is not being maintained with maximum possible accuracy. 

Monthly payment is not reported at all ( ), making the reporting incomplete and not verifiable. 

The account does not appear on XXXX, showing inconsistent furnishing and further evidence the reporting is not accurate or consistent. 

I also did not receive timely written notice/validation of this alleged debt before derogatory credit reporting occurred. I dispute the accuracy and validity of this reporting and request that Vance & Huffman provide full documentation supporting the account and all reporting fields or delete the tradeline. 

This conduct appears to violate the Fair Credit Reporting Act, including : 15 U.S.C. 1681s-2 ( a ) ( duty to furnish accurate information ) 15 U.S.C. 1681s-2 ( b ) ( duty to reasonably investigate and correct after a dispute ) and the accuracy standard reflected in 15 U.S.C. 1681e ( b ).

It may also implicate the FDCPA, including : 15 U.S.C. 1692e ( false or misleading representations ) 15 U.S.C. 1692f ( unfair practices ) 15 U.S.C. 1692g ( validation/notice requirements ). 

I have sent them a letter to validate this debt as well no response as of yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I tried to open an account with Navy Federal multiple times and I keep getting denied. I had multiple accounts with Navy Federal years ago and they were closed for nonpayment and also an auto loan that was involved in a class action lawsuit. I was advised by the law firm that I no longer had to pay the remainder of the loan due to the lawsuit. I have tried on multiple occasions to resolve the issue amicably ; however, Navy Federal has denied me every time without providing me with a valid reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Financed a vehicle through Bridgecrest. Dealer emphasized XXXX XXXX  monthly payments but did not clearly explain total costs or payment application. 

Key events from statement : XX/XX/XXXX : Down payments of {$1500.00} XXXX {$400.00} credited. 

XX/XX/XXXX : XXXX  {$370.00} normal payment posted. 

Ongoing through XX/XX/XXXX ( XXXX  year ) : Made consistent {$370.00} payments, but principal barely reduced still ~ {$27000.00}. 

Specific issues : XX/XX/XXXX due date : XXXX late ; {$5.00} late fee assessed XX/XX/XXXX ; only {$100.00} partial payment made that day. 

XX/XX/XXXX : XXXX {$0.00} " Extension '' entries due dates extended instead of normal payment applied. 

Nearly every payment : XXXX XXXX  fees ( {$3.00} {$4.00} ). 

Payment examples : XX/XX/XXXX payment of {$370.00} = {$200.00} XXXX {$170.00} interest ; earlier payments as low as {$7.00} XXXX {$370.00} interest. 

My actions : Made regular payments despite hardship, called Bridgecrest for modification/deferral unhelpful responses. Continued partial payments to avoid repossession. 

Company actions : Applied most payments to interest/fees, assessed late fees/extensions adding cost without principal reduction, no workable hardship options offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
READ THIS CAREFULLY, because obviously you didn't read the others This is my third and final complaint against LVNV Funding LLC. You may want to actually read this one. 
LVNV Funding has repeatedly failed to properly validate an alleged debt of approximately {$630.00}, yet continues to report it inaccurately and illegally across multiple credit bureaus. Despite closing prior complaints, the underlying violations remain unresolved. RepeatingIn LVNVs prior response, the company claimed the account was verified. However, what LVNV provided does not meet the legal definition of validation under the FDCPA, FCRA, or XXXX XXXX standards. 
LVNV failed to provide : An original signed contract or agreement A complete itemized accounting of the alleged balance Proof of ownership or chain of assignment Documentation showing LVNV has legal authority to collect Evidence supporting the classification of this account as a charge-off Any proof that the balance was calculated accurately A screenshot, internal notes, or a generic statement is not validation. LVNV knows this.

This alleged debt is approximately {$630.00}, yet LVNV is reporting it as a charge-off while simultaneously acting as a collection agency. Did you read what you all sent? 
A collection agency can not charge off a debt it does not own. 
So which is it? 
Are you the original creditor? 
Or are you a third-party debt buyer? 
You can not legally be both. 
Reporting this account as a charge-off while also reporting it as a collection is inaccurate, misleading, and violates XXXX XXXX reporting standards and FCRA 607 ( b ) ( maximum possible accuracy ). 

I never received : An initial written validation notice A XXXX right-to-dispute notice Any written notice prior to this account appearing on my credit report This is a direct violation of FDCPA 1692g ( a ).

Despite my disputes, LVNV continued reporting this account to multiple credit bureaus without providing validation, in violation of : FDCPA 1692g ( b ) continued collection activity during dispute FCRA 623 ( a ) furnishing unverified and inaccurate information FCRA 611 failure to investigate and correct inaccurate reporting Each violation carries statutory damages of up to {$1000.00} per violation. 

This is not a misunderstanding. This is a pattern. 
LVNV has closed prior complaints without correcting the violations, failed to validate the debt, and continued reporting inaccurate information. Repeating the same unsupported claims does not make them lawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> a wire transfer was made from our checking account with Bank of America without our permission. I have submitted a Police Report and a report from a computer expert and it was still not enough for them to be satisfied and subsequently denied repeatedly. I submitted our phone logs and computer action as proof and again was denied. The customer service representatives were useless. First they stated the event took place on my wife 's phone and then changed and said her computer. All they sent were computer generated docs to us that meant nothing of substance.to us. We had been customers of them for over XXXX plus years and can not remember ever making a wire transfer. In discussion i asked why we were not alerted to this taking place and he stated there were no safeguards in place. This complaint will not just stop here. I am a XXXX Vet and to be treated like this on our account of over XXXX  years is appalling,

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 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am an XXXX  servicemember protected under the Servicemembers Civil Relief Act ( SCRA ). XXXX XXXX is reporting a collection account that is unlawful and inaccurate. 

I properly terminated my lease under the SCRA and turned in my keys. After turning in my keys, XXXX XXXX revoked my access to the online payment portal, preventing me from viewing or paying any charges. No final bill was issued until well after the due date, making it impossible for me to pay on time or even know a balance existed. 

Despite this, XXXX XXXX or its collection agency placed a collection account on my credit report. This violates the SCRA, which protects servicemembers from lease-related charges after lawful termination, and the FCRA, because the debt is inaccurate and was never properly billed or accessible. 

I have been unable to reach XXXX XXXX or corporate office to resolve this issue. I am requesting CFPB assistance to have the company remove the collection account, cease all collection activity, and correct their records to reflect my lawful SCRA-protected lease termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/year>, PennyMac Loan Services received my Qualified Written Request / Notice of Error under RESPA ( 12 U.S.C. 2605 ; Regulation X ), as confirmed by USPS return receipt. Certified mail return receipt. 

The request identified specific servicing errors and requested servicing-related information, including a complete transactional loan history and investor/ownership information. 

PennyMac acknowledged receipt but did not provide a substantive response addressing the asserted errors or producing the requested information within the required response period.

Because the requested information was not produced, I sent a follow-up notice providing an additional opportunity to cure. PennyMac acknowledged receipt of the follow-up on XX/XX/year>, but the requested substantive information and error resolution have still not been provided. 

The matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
Company name : Williams & Fudge , Inc . 
Type of company : Debt collector Account / Document ID ( if applicable ) : XXXX Original creditor : XXXX XXXX XXXX XXXX Date ( XXXX ) of contact : Ongoing most recent contact on XX/XX/year> Method of contact : Email and prior communications Complaint Details : I am submitting this complaint regarding Williams & Fudge , Inc. for continued attempts to collect an alleged debt without providing proper validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I previously disputed this alleged debt and requested validation. Despite this dispute and request, Williams & Fudge has continued to communicate with me and attempt collection without first providing the required verification of the debt. 

On XX/XX/year>, I received another email from Williams & Fudge referencing an alleged balance owed to XXXX XXXX XXXX XXXX. As of this date, I have not received proper debt validation, including : A breakdown of the amount allegedly owed Proof that the debt is accurate Documentation that Williams & Fudge has legal authority to collect this debt Under 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activity until validation of the debt is provided once a consumer disputes the debt. Williams & Fudges continued communication constitutes a clear violation of federal law. 

Additionally, continued contact without validation is deceptive and unfair under 15 U.S.C. 1692e and 1692f.

Resolution Requested : I am requesting that : Williams & Fudge immediately cease all collection activity until proper validation is provided Written confirmation be provided that collection efforts have stopped Any reporting related to this alleged debt be corrected or removed if validation can not be produced Williams & Fudge comply fully with all FDCPA requirements going forward I have retained documentation of all communications and am prepared to provide copies upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had made a fresh account with Wells Fargo and I had access to it for XXXX week and I set up my direct deposit and they took away access to my account and my direct deposit has been floating around since the XX/XX/year> and has not been refunded to my company where I have set up my direct deposit and Wells Fargo has been very irresponsible with this situation. I need them to understand that this is very serious and that I have bills to pay.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I paid a {$99.00} annual bill to XXXX and cancelled by Chase CC by mailing my XXXX to them in the mail. 

From XX/XX/XXXX to XX/XX/XXXX there was no activity on my Chase CC because I cancelled my XXXX  and no longer had the XXXX in my possession. 

In XX/XX/XXXX, I was notified by Chase that I had not made payment on another {$99.00} annual bill to XXXX for {$99.00} - and that my payment was past due. 

After receiving the past due notice in XX/XX/XXXX, I immediately paid my {$99.00} charge on my XXXX credit card - and verbally told Chase to cancel my XXXX  ( that I did not possess ). 

In XX/XX/XXXX, I learned that Chase had still not cancelled the XXXX that I did not possess, and I had to call them back on XXXX to cancel it again ( which was not the XXXX time in XXXX year ). 

I want the XX/XX/XXXX " XXXX day late '' negative credit item removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year> I load {$200.00} to my Cashapp account they took a dollar so it made it {$190.00} in my account. I add the money to send to my daughter for school because that all she had to accept the money was cashapp. So she gave me her information to put in so I put the information in her picture and named popped up I verified the information twice before send it I even described the picture to my daughter and she said yes that me.So when I hit the pay button it took like XXXX minutes to send it out but when I came back up it had changed my daughter name to someone else 's name the name was XXXX XXXX I don't even know that person so I called Cashapp right away. They blamed me saying I put the wrong name and I told them I didn't I checked the information twice before I sent it. So they tell me it nothing they can do because the transaction was complete. I told them how is it that y'all can't do nothing when it was there app that send it to the wrong person I told them my daughter name don't even start with the letter A and I checked the information twice and they continued to say I sent it to wrong person. And it was making me upset because I not a rich parent and that was the last of my money I had to send her they didn't care they just continue to blamed me. So I asked to talk to a supervisor and they say a supervisor can only be contacted the email and they will contact in XXXX to XXXX days. I talked to other people about what happened and they said the samething happened to them and they never got they money back. Well I need my money back and I need you guys help. if I would have made that mistake of sending it to the wrong person I would have accepted that I messed up but I didn't mess up I but the right information and I checked it twice please help me Cashapp have been scamming people for so long I just need your help Thank You. I even requested my back from the person the app sent my money to no response from them and I think they might have blocked me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am formally disputing this account as fraudulent and not belonging to me. 

The account was opened without my knowledge or authorization and is the result of identity theft. I have never entered into any agreement with this creditor. 

The original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has confirmed that they no longer own the account and failed to provide proper validation. The account was sold to XXXX XXXX XXXX  without proof of liability. 

Enclosed is my FTC Identity Theft Report and affidavit. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 / 605B ), I am requesting an immediate block and removal of this fraudulent account from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
The Issue : I am filing a formal complaint against my mortgage servicer for engaging in abusive " Dual Tracking '' practices and revoking a previously approved loss mitigation offer. 
Timeline of Events : I applied for loss mitigation ( loan modification ) to resolve my delinquency. 
The servicer APPROVED my application. I received written documentation confirming the approval of the modification terms. 
Two days later, the servicer revoked this approval and canceled the modification via mail. They cited a " Title Defect '' or " Broken Chain of Title '' ( originating from a period prior to my purchase of the home ) as the sole reason for the cancellation. 
Acting on this information, I immediately opened a Title Insurance Claim to cure the defect the servicer identified. 
Despite acknowledging that I already qualified for the modification and that the only barrier is a title issue ( which is currently being resolved ), the servicer is aggressively pursuing foreclosure. 
They have scheduled a XXXX XXXX date for late XX/XX/XXXX. 
They sent a " Reinstatement Quote '' in late XX/XX/XXXX, demanding full payment of over {$13000.00} by early XX/XX/XXXX. 
The Violation : The servicer has placed me in an impossible position. They confirmed I qualify for a modification, then revoked it due to a technical defect they discovered. They are now moving to foreclose before allowing reasonable time for that defect to be cured by the Title Insurer. Proceeding with foreclosure judgment after revoking an approved offer due to no fault of the borrower is an unfair practice. 
Requested Resolution : The servicer must immediately CEASE all foreclosure activity, including canceling the upcoming XXXX XXXX hearing. 
The account must be placed in a " Title Claim/Research '' hold status until the title defect is cured. 
Once the title is cleared, the servicer must reinstate the previously approved modification immediately, without requiring a new application or penalizing me for the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I wasted over XXXX hours trying to get my checking account, used to pay Citi bank with, changed because my checking account numbers changed to to a hack on my checking account the first call was XXXX minutes, XXXX minutes, XXXX minutes XXXX minutes plus the transfers I was tranfer to probably another XXXX minutes. I find this an unacceptable time to have to wait and still did not get my issue solved. I tried to do it myself online but the page was cut off at the bottom on my phone so I could not continue. They really need to fix this issue because I am sure im not the only one waiting and never connected to the right person.

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