vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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:
Re : Formal Complaint Against Navy Federal Credit Union for Predatory, Unfair, and Fraudulent Banking Practices Urgent I had money sitting in my checking account and is was removed from my checking account to apply to out of date debt thats currently being misreported as a charge off loss to the irs, as as Navy Federal has tried 2 different ways to collect this debt through third party Appelles in, the navy Federal bank. My bank account was emptied because of navy Federal fraudulent practices.

To Whom It May Concern : I am filing this complaint against Navy Federal Credit Union ( NFCU ) for repeated predatory and fraudulent practices that have caused significant financial harm. These actions violate consumer protection laws under UDAAP ( 12 U.S.C. 5531 & 5536 ), Regulation E ( 15 U.S.C. 1693e ), and other federal banking and debt reporting standards.

-- - 1. Fraudulent Withholding and Misappropriation of Funds Navy Federal has taken money directly from my active account ( s ) and applied it toward a charged-off account, without my authorization or consent.

This charged-off account : Has already been reported to the IRS as a cancelled debt/possible income event.

Has been sold or transferred to a third-party debt collector, meaning Navy Federal has already been compensated for the loss.

Is still being reported as owed, which is inaccurate and misleading.

This conduct suggests double and even triple collection, which may constitute : Fraudulent conversion of funds, and Illegal collection on a debt no longer legally collectible by the original creditor.

These actions appear to violate : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 duty to report accurate information Debt Collection and anti-double recovery principles IRS 1099-C reporting guidelines regarding cancellation of debt income -- - 2. Manipulation of Transaction Posting to Generate Overdraft Fees Navy Federal has repeatedly reordered transactions to intentionally trigger overdrafts, leading to multiple excessive fees. 
This is a known predatory banking tactic and constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ).

-- - 3. Unauthorized Transfers from Savings Accounts Funds have been transferred from my savings account without my authorization, in violation of : Regulation E 15 U.S.C. 1693e ( Electronic transfers must be clearly authorized. ) -- - 4. Improper Late and Returned Check Fees Navy Federal charged late fees and check return fees without proper notice, including rejecting a mobile check deposit that was later accepted in-branch without issuedemonstrating system or handling failure. 


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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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Challenges the continued reporting of a sold/charged-off account.

Cites FCRA 611 ( a ), 623 ( a ) and 605 ( a ).

Demands deletion or correction if unverifiable or inaccurately reported. 
2. To XXXX XXXX XXXX XXXX ( FDCPA validation & cease-and-desist ) Cites FDCPA 809 ( b ) and FCRA 623 ( a ).

Requests original signed agreement, full chain of assignment, proof of ownership, and immediate stop of all reporting/collection until verified 3. To Midland Credit Management Inc ( FDCPA validation & cease-and-desist ) Same structure as the XXXX XXXX letter but customized with Midlands information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO

Complaint narrative:
XXXX. On XX/XX/XXXX we purchaded a Car from Toyota financial ( XXXX XXXX  ) XXXX XXXX XXXX XXXX  XXXX XXXX. We were told the Car was in good condition and it was just worked on and that they changed the shocks and oil. 

XXXX. I noticed the oil was low at the time of purchase and what looked like a small leak. They added oil for me and somthing to check for leaks but said the car was fine. 

XXXX we left to XXXX on a XXXX trip on XX/XX/XXXX ( the next day after purchase ) and noticed the Car was very loose and the sway bar light was flashing. 

XXXX on XX/XX/XXXX I called the dealership to make them aware and they proceded to tell me to take it in for a check up but I told them we were on the road and will take it when we got back. 

XXXX we drove the Car back from XXXX XXXX XX/XX/XXXX very slowly to prevent it from going XXXX XXXX as it was still very loose and we set up an appointment to get it checked. 

XXXX. On XX/XX/XXXX it was scheduled to be checked by XXXX XXXX and they stated that they were not experts but there was a bolt missing and they replaced it. 

XXXX. That same day XX/XX/XXXX we noticed the same things happening and processed to contact XXXX to have it checked. 

XXXX. On XX/XX/XXXX ( the very next day ) XXXX gave us a long list of problems that needed to be fix and the dangers of driving it like that. 

XXXX. On XX/XX/XXXX I took it back to Toyota and let them know of the problem were they told me they " were not experts in Jeeps '' but told us XXXX  the car was safe XXXX XXXX. 

XXXX. On XXXX XXXX I called XXXX XXXX and let them know we wanted the car fixed or we wanted to return it because not only did we buy the Insuarance that they told us would fix any problems but they XXXX  told us it was safe. 

XXXX. On XX/XX/XXXX we left the Car at XXXX XXXX maintenance shop and they said they were fighting with the Insurance to try and get it fix but they eventually refused and we told Toyota Financial we didn't feel the car was safe to drive and we would return it if they didn't work with us. They then proceeded to tell us it would be sold at auction and we would be responsible for the remaining balance, even though they told us the car was safe and there was nothing wrong with it XXXX, including when we first drove it off the lot

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
Unauthorized Transfer and Mishandling of Dispute ChimeXXXX XXXX Description XXXX On XX/XX/year>, I received an email from XXXX XXXX ( partnered with Chime ) stating that there was suspicious activity on my account and that someone had changed my email address. I immediately contacted XXXX XXXX  and informed them that I was locked out of my account and had not authorized any email changes. 

The customer service representative updated my email but refused to reset my password, even though I explained that I could not access my account. They assured me that I was protected, that my card was frozen, and that no one could access my funds. I was on the phone for nearly XXXX hours. 

Later that night ( around XXXX AM ), I discovered that an individual named XXXX XXXX had made XXXX unauthorized transfers totaling {$1500.00} my entire paycheck. I immediately contacted ChimeXXXX again to report the fraud. Despite explaining that I had notified them before the theft and that I was denied password assistance, they opened a dispute and then denied it after only XXXX days, claiming that I authorized the transfer. 

This is false. I have never used the transfer feature in my account history, and I never gave my login credentials or authorization to anyone. I also filed a police report for this incident. 

I believe Chime/XXXX  failed to follow their own fraud policy and violated the Electronic Fund Transfer Act ( Regulation XXXX ) by denying my claim without a proper investigation. I am a single mother, and this theft caused severe financial hardship and emotional distress, as this paycheck was needed for rent, bills, and family care. 

I am requesting : Reimbursement of the stolen {$1500.00} ( lost wages ), Reversal of any related fees or penalties, Confirmation that my dispute is properly investigated under Regulation XXXX, And review of Chime/XXXX  handling of my case for compliance violations. 

Company involved : Chime XXXX XXXX XXXX, XXXX. 

Amount involved : {$1500.00} Desired outcome : Full reimbursement and correction of mishandled dispute under Regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint because LVNV Funding LLC is reporting XXXX or more collection accounts on my credit report that I dispute as inaccurate and/or unverified. 

I have repeatedly requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), but LVNV Funding LLC has failed to provide any proper documentation proving the debt is mine or that they have the legal right to collect it. 

Despite my requests, these collection accounts continue to appear on my credit report, causing damage to my XXXX XXXX and financial standing. 

The specific accounts are listed as : LVNV Funding LLC, opened XX/XX/XXXX, amount {$1300.00} LVNV Funding LLC, opened XX/XX/XXXX, amount {$730.00} I am requesting that the CFPB investigate this matter and require LVNV Funding LLC to provide full validation of the debts ( including original creditor information, account statements, and proof of assignment ). 

If LVNV Funding LLC can not provide legal proof that these debts are valid and belong to me, I request that these accounts be removed from all credit reports ( XXXX XXXX XXXX XXXX ) immediately. 

I have already disputed these accounts with the credit bureaus, but they remain. I am requesting CFPB assistance to ensure compliance with XXXX  law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Went to a dealership on XX/XX/year> where they ran my credit into the system without my permission. They ran into these banks called XXXX XXXX XXXX, Ally Financi, XXXX XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
On XX/XX/year> I had a surge XXXX open up in my name without my knowledge unauthorized identity theft. I also file a police report on XX/XX/year> with XXXX XXXX XXXX XXXX case number XXXX the officer name is XXXX the suspect name is XXXX a fraud account was established using my personal identification without my authorization consumer finance protected is insane of suspect, comparison fraud or identity MISUSE.

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for debt validation and a cease and desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I am disputing the validity of the alleged debt referenced above. To date, you have failed to provide any proof or documentation that I owe this debt or that your company has the legal authority to collect it. Therefore, I am requesting that you immediately provide full validation of the debt, including : XXXX. The name and address of the original creditor ; XXXX. The amount of the alleged debt, including an itemized statement showing how it was calculated ; XXXX. Verification of my alleged liability, such as a signed agreement or contract ; XXXX. Proof that your company is legally authorized to collect debts in my state and on behalf of the original creditor ; and XXXX. The date and method of the last payment, if any. 

Until such documentation is provided, you must immediately cease all collection activity, including phone calls, letters, or credit reporting. 

If this alleged debt is being reported to any credit bureau, be advised that such reporting without proper validation constitutes a violation of the FCRA ( 15 U.S.C. 1681s-2 ). You are hereby notified to remove any and all unverified accounts or entries you have reported until this matter is resolved and validation is received.

Please note that failure to comply with this request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I also reserve the right to take further legal action for violations of my rights under XXXX  law. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
i disputed the balance at experian they deleted it from my credit report because my dispute was correct and i still get mail saying they could sue me if do not pay the debt that clearly wasnt mine. it was sold from XXXX XXXX  after my dispute and debt deleted and cleared now i got portfolio recovery llc saying i owe them the debt WHICH I DO NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity Bank is reporting inaccurate and inconsistent information related to an alleged XXXXXXXX XXXX XXXX XXXX XXXX account that has been assigned to XXXX XXXX XXXX XXXX XXXX ( XXXX ) for collection. 

The data Comenity has furnished to the XXXX major credit reporting agencies ( XXXX XXXX XXXX XXXX ) conflicts between reports and between XXXX own records and those of XXXX. The discrepancies include : Date Opened High Credit / Credit Limit Payment Status Date of Default Date Last Reported Comments/ Account Notes I have never opened or maintained an account directly with Comenity Bank or XXXXXXXX XXXX XXXX XXXX XXXX. I disputed the accuracy of this tradeline with both Comenity Bank and XXXX XXXX XXXX via XXXX mail, and I possess XXXX XXXX XXXX receipts confirming delivery. 

Despite my disputes, Comenity continues to furnish this data and has failed to conduct a reasonable investigation or correct the inaccuracies, violating FCRA 1681s-2 ( b ). XXXX inaction also perpetuates the inaccurate reporting of its collector, XXXX, which is the subject of related CFPB Complaint XXXX XXXXXXXX. 

These actions have harmed my credit reputation and caused emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX OF ACCOUNT XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-11-09 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: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency XXXX XXXX a account without my written instructions.

My late payments are in good standing and have been for over XXXX years now I requested my companies to remove the missed payments but received no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency XXXX XXXX a account without my written instructions.

My late payments are in good standing and have been for over XXXX years now I requested my companies to remove the missed payments but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My account at Chase bank was closed and the money is put to suspense account for almost 2 years. The company asked me to provide information of the company owners who wrote me the check to give them a call and verify I gave them information as in phone nos but according to them it does not match the nexis system that they use to verify owners of the company. some company owners like me dont have company phone nos we use our personal number as company no so now they could not verify the writer of the check and would not release money. When I asked them what other solution they said no this is the only way they could verify I have the orignal checks and the company owners contact I have waited for almost two years now. How do I verify the information other then the phone nos they are not ready to tell me its a lot of money which I could use to grow my business. Two years over XXXX stuck in a bank account the money that my hard earned I dont have access to it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
XXXX notified me that Myprepaidcenter.com would be giving me a settlement of {$15.00}. Apparently, they only issue virtual cards and I have no means of utilizing such a thing. Their customer service is nonexistent. I believe they place these roadblocks so that they have a much smaller payout than negotiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I submitted a credit dispute on XX/XX/year>, and provided all available evidence from my communications with the vendor regarding the issue. The vendor agreed to issue a refund, but the refund was never processed. 

Shortly after submitting my dispute, I received an email from the credit card company stating that they were experiencing a higher-than-usual volume of dispute cases and that my case could take up to XXXX days to resolve. I also received a confirmation email acknowledging that my evidence had been received and that I would be contacted for further updates. 

However, when I recently reviewed my credit report through XXXX XXXX, I discovered that the credit card company had marked the dispute as resolved in favor of the vendor and reported it to my credit history as a false credit dispute. This action has negatively affected my XXXX XXXX. 

I was never contacted to provide any additional information or evidence before this decision was made. I kindly request that this matter be reviewed again and that the negative mark be removed from my credit history, as the process appears to have been completed without proper communication or consideration of the evidence provided

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