vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 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 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 2026-02-19 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 issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions setteld with insufficent 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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I do not recall opening this account and its been closed out. I attempted to dispute it. Midland Credit currently has a lawsuit against them. I would like for this to be taken off of my credit report please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Company Bank of America Product Credit card Issue Credit card application processing delay ; document handling failure ; application expired due to bank delays ; hard inquiry concerns. Complaint narrative On XX/XX/XXXX, I applied by phone for the Bank of America XXXX XXXX XXXX Credit Card after receiving a targeted promotion and being encouraged to apply. During the phone application, I was told the application was rejected immediately and to wait for a letter for next steps. I later received a letter requesting pay stubs, which I provided. Bank of America then repeatedly stated the application was still being processed, later said they never received my documents, and after I resubmitted and they confirmed receipt, they refused to process the application because it exceeded a XXXXday window and required me to reapply with another hard credit inquiry. Timeline XXXX. XX/XX/XXXX : Applied by phone. Told rejected immediately. No reason provided. Told to wait for a letter. XXXX. Late XX/XX/XXXX : Received a letter requesting pay stubs. XXXX. XX/XX/XXXX : Submitted requested pay stubs by mail ( submission XXXX XXXX ). XXXX. XXXX XXXX : Called multiple times for status. Repeatedly told the application was still being processed. XXXX. XX/XX/XXXX : During a phone call, told Bank of America never received my documents. I resubmitted pay stubs by XXXX mail ( submission XXXX XXXX ). XXXX. XX/XX/XXXX : XXXX tracking shows delivery of submission XXXX XXXX ( proof attached ). XXXX. XX/XX/XXXX : Bank of America confirmed receipt of the documents but stated the application could not be processed because it was outside a XXXXday window and I must reapply. Bank of America also stated they will not reuse the original credit report and will not process a second application with a soft pull, meaning an additional hard inquiry would be required. Impact/Harm XXXX I complied with every request and submitted required documents twice due to Bank of Americas document intake/processing failures. XXXX The application remained unresolved for months and then timed out due to bank-side delays after I was told multiple times it was still being processed. XXXX A hard inquiry was already placed for this application, and Bank of America is now requiring another hard inquiry due to its processing failures. XXXX I have been a Bank of America customer for approximately XXXX years. This has been extremely time-consuming and frustrating.

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 2026-02-19 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: Zillow Group Inc.
State: VA

Complaint narrative:
Zillow Home Loans has repeated reached out to me to close a home loan to which I have not applied. I informed the loan specialist multiple times that I am concerned that this is fradulent behavior and have not received any notification of remediation. Only additional message to gather more information to close on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: OH

Complaint narrative:
In XX/XX/scrub> 2025 I sent approximately {$41000.00} in XXXX to a deposit address provided within myXX/XX/XXXXaccount. The transfer was made over the XXXX XXXX. At no point did I believe I was sending funds somewhere outside of XX/XX/XXXX control I followed the deposit instructions presented to me on the platform. I am XXXX XXXX XXXX and this amount represents a substantial portion of my savings. Losing access to these funds has caused significant financial hardship and stress. I trustedXX/XX/XXXX as a regulated platform and reasonably believed that funds sent to a XX/XX/XXXXdeposit address would be safeguarded. Since then,XX/XX/XXXX has integrated support for both the XXXX XXXX and XXXX on XXXX. The funds remain visible and traceable on the blockchain and appear to have reached wallets associated withXX/XX/XXXX infrastructure. Given that XX/XX/XXXX now supports the relevant network and asset, it is difficult to understand why recovery efforts are not being undertaken. I have repeatedly contactedXX/XX/XXXX requesting assistance, including asking whether the funds are held in wallets under their control and whether manual recovery is possible. While XX/XX/XXXX has acknowledged logging my request, they have stated they are unable to recover the funds at this time and have not provided a clear technical explanation or path toward resolution. I do not understand how a regulated exchange can provide a deposit address without clear safeguards and then decline to recover funds that appear to reside within its infrastructure, especially after adding support for the same network and asset. I am requesting that XX/XX/XXXX take all reasonable steps to recover or credit the funds. I am willing to cooperate fully and cover any reasonable recovery costs required to complete the process. This situation has placed me under severe financial strain, and I am asking for prompt and meaningful action so that my funds can be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
My student loans were in default and in forebearance, and have been for years off and on. Navient suggested I consolidate my loan with my husbands loan under XXXX XXXX. We have been charged such high interest over the years that the interest was more than the loans borrowed. ). I contacted XX/XX/XXXX ( Navient Settlement Line XXXX ) to let them know that they should not be using my home address of XXXX XXXX XXXX XXXX in XXXX, Oregon XXXX. They should be using XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX. They advised me that I was not in their system and neither was my husband. I told them we should have been. She sad the only thing I could do is contact the consumer protection bureau and she gave me the number that I called to reach XXXX XXXX. We should be on their list to receive settlement funds from the lawsuit with Navient and they basically told me all funds have been paid out and the only recourse I had was to call the consumer finance bureau. Please advise how I should proceed with this issue? Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX, XXXX, XX/XX/year>, XXXX Collection Accounts : None provided. Inquiries : None provided. Late Payments : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
During the week of XX/XX/XXXX I opened a business account that is tied to my personal account with XXXX. I connected my banking information through plaid. I attempted to make a payment to one of my clients. I received an errror message that something went wrong, try again later. During that week I attempted other payments, I changed my password and I also verified my bank account manually. Nothing worked. The following week I tried again. On XX/XX/XXXX I added my new business account debit card and attempted another payment. I received the same message. I chatted with XXXX and they had no solution. Today I called XXXX. They said there is no way to clear the fraud, no one I can speak to or get help with. I am unable to pay my clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: KEYCORP
State: NY

Complaint narrative:
As of XX/XX/XXXX my account with key bank was hacked and completely depleted. I filed a dispute, Not getting any answer accept it may take up to 90 days to resolve. I am very small business and this money is needed for the business, All i get is overdraft notices. The dispute has been filed but no action to date

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding unlawful billing and collection activity related to an account allegedly associated with XXXX. I originally entered into a service agreement with XXXX XXXX, not XXXX. My contractual agreement with XXXX concluded upon fulfillment of its terms. I never executed any new contract or service agreement with XXXX XXXX XXXX acquisition of XXXX. Despite this, XXXX is attempting to impose cancellation fees and other charges that I do not owe and for which there is no valid contractual basis. I have repeatedly disputed the validity of this alleged debt directly with XXXX and have requested verification of the contractual authority supporting these charges. To date, no adequate validation has been provided. Instead, the account has been repeatedly transferred and sold to multiple third-party debt collectors. This conduct raises serious concerns under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., including but not limited to 1692e ( prohibiting false, deceptive, or misleading representations in connection with the collection of a debt ) and 1692f ( prohibiting unfair or unconscionable means to collect or attempt to collect a debt ). Additionally, continued reporting or furnishing of inaccurate information may implicate the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, which requires furnishers of information to report accurately and to conduct a reasonable investigation upon notice of dispute. Furthermore, the continued attempt to collect on a debt that is disputed and unsupported by a valid contract may constitute unfair, deceptive, or abusive acts or practices under the Consumer Financial Protection Act of 2010, 12 U.S.C. 5531. XXXX repeated sale and reassignment of this disputed account, despite notice of ongoing dispute and absence of contractual liability, has caused financial harm, credit reporting damage, emotional distress, and unnecessary burden. I respectfully request that XXXX : 1. Provide full written validation of the alleged debt, including a copy of any contract bearing my signature that establishes liability to XXXX. 2. Cease all collection activity related to this account unless and until proper validation is provided. 3. Immediately instruct all third-party collection agencies to cease collection efforts. 4. Correct and remove any inaccurate reporting furnished to consumer reporting agencies. I am seeking a full investigation into these practices and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
Bilt transferred a non existing balance {$4000.00} from XXXX XXXX on XXXX and posted in my Bilt account. Then I was requesting what date Bilt was using to identify my to be transferred amount from XXXX XXXX. I was getting the date is XXXX. But as if XXXX, I am able to see I got non existing balance {$4000.00} from XXXX XXXX posted on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
In 2022 I received a cashier 's check for services provided for a Birthday Party : which included Food, Venue, Decorations, and bar. I deposited the check into the account and some of the funds were made available, about {$2000.00}. After two days the account was in the negative for the whole entire balance. When I called Navy Federal to speak to rep : they immediately accused me for fraud, without giving me time to explain or provided proper documentation. I Advised them of the person who gave me the check and advised that it was a payment for services, the represented wasn't trying to hear it, she disabled my card. I then asked why am I responsible for the entire check amount when the entire check amount wasn't released, she told me that it was because I placed a bad check and I am now responsible for it. I feel that it is unfair and they didn't take proper steps to locate the person responsible for the check. Since then, I have reached out the account is only available for me to make payments and it's still for the entire {$7000.00} and not the {$2000.00} that was made available. I am willing to make payments towards the {$2000.00} but I AM NOT RESPONSIBLE FOR {$7000.00} due to it never being release into the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent credit reporting related to an account reported by LVNV Funding LLC. I have disputed this account multiple times with the credit reporting agencies. XXXX has deleted this account due to inability to verify ; however, XXXX and XXXX continue to report the account as verified as accurate. LVNV Funding has repeatedly provided the same generic documentation and has not provided meaningful validation, such as a signed agreement, complete payment history, or sufficient proof demonstrating legal ownership and the accuracy of the balance. Despite this, the account continues to be verified through what appears to be an automated process rather than a reasonable investigation. The fact that one major credit bureau deleted the account while the others continue reporting it demonstrates inconsistent verification standards and raises concerns about compliance with the Fair Credit Reporting Act. I am requesting a proper investigation and deletion of this account from all credit reporting agencies due to inconsistent reporting and failure to provide sufficient validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: PA

Complaint narrative:
I am disputing a Klarna charge for merchandise that was never received. The tracking shows delivered but not to my address. Klarna closed my dispute without providing proof of delivery such as GPS confirmation or signature. I am being required to pay for merchandise not received and am requesting investigation and removal of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TN

Complaint narrative:
I am filing a complaint regarding an unauthorized electronic withdrawal made by Discover from my checking account. On XX/XX/year>, Discover withdrew {$320.00} from my bank account. However, I enrolled in Discovers XXXX program for a {$50.00} fixed monthly payment, not the minimum payment amount. I have written confirmation from Discover clearly showing Payment Option : {$50.00} Fixed Payment with a first withdrawal date of XX/XX/year>. Despite this documented authorization for {$50.00}, Discover withdrew {$320.00}, which exceeds the authorized amount. This unexpected withdrawal caused financial hardship and placed my account into the negative. When I contacted Discover, XXXX XXXX ( name given ) told me they were allowed to withdraw the minimum payment amount. However, my XXXX confirmation specifically states a fixed payment of {$50.00}. I was not notified that the payment arrangement had been cancelled or modified, nor was I informed that a larger amount would be withdrawn. Under the Electronic Fund Transfer Act ( Regulation E ), consumers are protected from unauthorized electronic transfers, including withdrawals that exceed the authorized amount. Discover withdrew funds in excess of my authorized {$50.00} fixed payment. I am requesting : 1. A refund of the unauthorized portion of the withdrawal ( {$270.00} ). 2. Reimbursement for any overdraft or related bank fees caused by this withdrawal. 3. Written documentation explaining why Discover disregarded the fixed payment authorization. 4. Confirmation that my account is set to the agreed {$50.00} fixed payment going forward. I attempted to resolve this matter directly with Discover but was told no correction would be made. I am requesting regulatory review and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
I enrolled at XXXX University in or around 2023 for a XXXX XXXX academic program. During the enrollment process, I was encouraged to take out a private student loan through Sallie Mae in order to attend the school. At the time, I was led to believe that the program would provide me with the education and career opportunities necessary to obtain employment in the XXXX administration field. However, I only attended the program for approximately one semester and withdrew shortly afterward. Despite my limited time in attendance, I was left with approximately {$22000.00} in private student loan debt. I did not complete the program, did not receive a degree or certification, and was unable to obtain employment in the XXXX administration field as a result of attending only one semester. I believe the loan amount does not accurately reflect the educational services I received, especially given the short duration of my enrollment. I also believe I was not fully informed about the long-term financial obligations associated with taking out this private student loan or the risks of incurring significant debt without completing the program. After withdrawing from the program, I was still held responsible for the full loan balance by Sallie Mae. I am now seeking assistance and review of this matter, as I believe this loan may have been issued under misleading or unclear circumstances related to the value and outcomes of the program I enrolled in.

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