vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX To who it may concern : Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information an every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items tha were sent in my initial dispute letter that now must be deleted from you database. 
XXXX XXXX XXXX 
Account # : XXXX Account Rating : collectionorchargeoff Account Type : Installment Closed Date : Creditor Remarks : Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$500.00} Last Verified : XX/XX/XXXX Payment Amount : Payment Status : Collection/chargeoff Loan Type : Secured I will also be attaching a letter from the company saying that everything on my credit report is reporting accurate however from there letter they stated that the account was settled on XXXX of XXXX however you guys have this information reporting all the way up to XX/XX/XXXX. There is definitely inconsistencies with communication between XXXX  and Experian and it shouldn't be if a proper investigation was done. I gave XXXX and Experian more than enough time to fix there mistakes and make sure every thing on my credit report is reporting accurate according to the fair credit reporting act but they have both failed. This is not a surprise though seeing that I read how a few days ago the CFPB has filed a lawsuit against Experian for not doing there jobs correctly.

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 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a complain against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
xperian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One mislead me about the 360 savings account. Capital One signed me up in a 360 savings account many years ago that gave poor interest for several years, even as rates rose nationally. At the same time, Capital One had created the 360 Performance Savings, which saw a much higher rate. But they did not notify me about this new offering and instead worked to keep this information from me. The bank marketed the products similarly to pretend there was no difference and gave me a poor rate of return on purpose. Capital One avoided paying me in interest by not switching me over, even though I was a loyal customer. I was deliberately given false information about the 360 savings and was not earning the highest rate of return because of Capital One. This is very unfair to me and I would like to join in on the lawsuit that CFPB has against Capital One for this reason only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding the situation with Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving us users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform, Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. Zelle has neglected to protect its users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
As a costumer I have always been charged for insufficient fund.

Whenever I get a refund from example car rental deposit hotel deposit I was always told I wouldnt see it in the account it would fall off.

I never understood. What that means When I have money in my account I could never understand why the balance would decrease and its not adding up.

I also remember getting charged 3 insufficient fund back to back one after the other one after other I cried.

Still have that account but I change my direct deposit to another back and from I did that I have never had my account I a negative balance.

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 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was just charged interest of {$1000.00} on a {$2000.00} outstanding balance by a company called CARECREDIT. This would be interest charged in excess of 50 % ( they said the interest charge was 29 % which is unreal and also usurious ). This was financing for a dental procedure last year. Completely unacceptable and usurious interest charge with zero notification. Account ends in XXXX. I just made a payment but notice my balance had almost doubled since last month. I will NOT be making any additional payments until this matter has been resolved. I asked for them to have a supervisor call me but they said this was not possible-they offered only a live chat option.

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 monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal keep over drafting my account even though I have over draft protection on my account so money goes missing from my account honestly it feels like they are stealing from me and is keeping me from paying what I need to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am willing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On several occasions Navy Federal have charged me XXXX for overdraft fees and returned checks fees from which I have called several times in the incidents. The last one was in XXXX of XXXX for a returned check. Called an spoke with representative about the account and was told I should've put a stop payment on something I canceled months prior. I've stopped my direct deposit because of these fees. I've been hit with the several times in the month from XXXX of XXXX until XXXX of XXXX. I've been banking with them faithful since XXXX.

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 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union for charging illegal overdraft fees. From XXXX to XXXX, Navy Federal charged customers surprise overdraft fees on certain ATM withdrawals and debit card purchases, even when their accounts showed sufficient funds at the time of the transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Issue Type : Mortgage Credit Reporting and Servicing Explanation : I am filing this complaint regarding an inaccurate XXXX delinquency reported by XXXX XXXX XXXXXXXX for XX/XX/XXXX. The delinquency was caused by a confirmed banking error from my financial institution, XXXX XXXX, which delayed my payment. Despite providing documentation from XXXX XXXX  that clearly acknowledges their responsibility for the error, XXXX XXXX has refused to amend the derogatory credit reporting. 

Details of the Issue : My payment for XX/XX/XXXX, was processed by XXXX XXXX through their bill pay system. Due to a technical error on their end, the payment was delayed and not received by XXXX XXXX  until XX/XX/XXXX. 
XXXX Bank has issued a letter acknowledging the error and confirming that funds were available and intended to pay the mortgage on time. This letter was provided to XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX rejected my request to amend the credit report, citing that XXXX XXXX  is an " unauthorized third party '' and claiming they are unable to honor such requests under the Fair Credit Reporting Act ( FCRA ). 
I have attached the letter from XXXX XXXX, my payment history, and any relevant supporting documentation to demonstrate that the delinquency is not due to my actions or negligence.

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Issue Type : Mortgage Credit Reporting and Servicing Explanation : I am filing this complaint regarding an inaccurate XXXX delinquency reported by XXXX XXXX XXXXXXXX for XX/XX/XXXX. The delinquency was caused by a confirmed banking error from my financial institution, XXXX XXXX, which delayed my payment. Despite providing documentation from XXXX XXXX that clearly acknowledges their responsibility for the error, XXXX Mortgage has refused to amend the derogatory credit reporting. 

Details of the Issue : My payment for XX/XX/XXXX, was processed by XXXX XXXX  through their bill pay system. Due to a technical error on their end, the payment was delayed and not received by XXXX XXXX  until XX/XX/XXXX. 
XXXX Bank has issued a letter acknowledging the error and confirming that funds were available and intended to pay the mortgage on time. This letter was provided to XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX rejected my request to amend the credit report, citing that XXXX XXXX  is an " unauthorized third party '' and claiming they are unable to honor such requests under the Fair Credit Reporting Act ( FCRA ). 
I have attached the letter from XXXX XXXX, my payment history, and any relevant supporting documentation to demonstrate that the delinquency is not due to my actions or negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Issue Type : Mortgage Credit Reporting and Servicing Explanation : I am filing this complaint regarding an inaccurate 30-day delinquency reported by XX/XX/XXXX for XX/XX/XXXX. The delinquency was caused by a confirmed banking error from my financial institution, XXXX XX/XX/XXXX, which delayed my payment. Despite providing documentation from XXXX XX/XX/XXXXthat clearly acknowledges their responsibility for the error, XXXX XX/XX/XXXX has refused to amend the derogatory credit reporting. 

Details of the Issue : My payment for XX/XX/XXXX, was processed by XXXX XX/XX/XXXX through their bill pay system. Due to a technical error on their end, the payment was delayed and not received by XXXX XX/XX/XXXXuntil XX/XX/XXXX. 
XXXX XX/XX/XXXXhas issued a letter acknowledging the error and confirming that funds were available and intended to pay the mortgage on time. This letter was provided to XXXX XX/XX/XXXXon XX/XX/XXXX. 
XXXX XX/XX/XXXXrejected my request to amend the credit report, citing that XXXX XX/XX/XXXX is an " unauthorized third party '' and claiming they are unable to honor such requests under the Fair Credit Reporting Act ( FCRA ). 
I have attached the letter from XXXX XX/XX/XXXX, my payment history, and any relevant supporting documentation to demonstrate that the delinquency is not due to my actions or negligence.

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 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This aligns with the recent CFPB findings. I believe this is unfair and request to have further investigation on my accounts. I have tried multiple times to contact Navy Federal and speak to someone who can assist me and no one would help. My accounts are closed and I have been left with a fee to pay that I do not agree with. The charges are incorrect.

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