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 — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

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 settle with insufficient balances despite initial available funds. I believe these practices are unfair to a hard working mother and would like to 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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Accidentally sent an significant amount to ( {$250.00} ) to someone and it was Accidentally sent to wrong person. Called bank and they said it was nothing they could doh

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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I opened an Ulta CC through Comenity Bank in XX/XX/year> had decent credit- that decreased my score- I made payments- missed 1 not realizing it so I attempted several times via online app, email and phone call to correct the issue- I made attempts to pay it since you can only use a bank account to do so and the last 2 months Ive had to call and dispute or reset my passwords and keep on them to keep my credit score safe- however it doesnt reflect it they reported it as delinquent when me as the consumer have tried to reason with them, Ive been patient, Ive had to take time out of my day to call them several times to no avail- last month I made a call to pay on the app and was under the impression it went through had it reflected on my account to call them today because my score decreased AGAIN from their reporting practices- if my banking institution didnt approve the payment I was NEVER notified by them and when I called today to Ulta to discuss my next move- they blew me off- passed the buck to comenity and then they passed it to my bank and round and round it goes- I had to file a dispute which then caused my bank to cancel my debit card and I had to be inconvenienced to wait for another one- had to readjust all my online payments so they didnt get canceled or overdrawn or frozen- every month since I opened this Ulta account Ive had nothing but issues- if you look at my credit score Ive been diligently financially fiscal and try to keep my credit in good standing however this account and their actions have done to my account and it caused my banking institution to take security precautions for what? My credit payment history reflects that I am not a risk- have no other delinquent accounts and pay on time satisfactorily I would like to dispute this so I can pay it off and CLOSE IT Im trying to build credit to buy a home in my own name I work hard to be a fiscally responsible consumer and the 1 and ONLY time I was forced to pay my bill at Ulta late I called them to explain myself Im not a deadbeat and I feel they reported my account prematurely and its negative affects on my report is causing my financial distress its going to make it hard for me to get a good interest rate on a home loan Id like the opportunity to clear my name and credit please, the Comenity site is also deceiving and that causes stress as well when consumers try to identify themselves or find their accounts- its not fair for those of us who are trying to be fiscally responsible- thank you very much

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 — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
i have no knowledge of this car loan. i never seen this nor signed up for any type of loan. this account was opened has a result of identity theft

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received my credit report and found a fraudulent account was reporting.

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 2025-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I couldnt work due to being pregnant and my doctor made it a requirement that i couldnt work while pregnant and i wasnt covered by my job to get paid while on medical leave, so credit acceptance repossessed my vehicle.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report, I noticed some accounts I am not familiar with. I have ask the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report, as well as an email showing my information being exposed in a national data breach.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize this inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-01-16 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: AP

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have tried numerous times to get inaccurate personal information off of my Experian, XXXX and XXXX credit reports. I have sent out many dispute letters and the information is still on my report. According to my fair credit rights I am requesting that the information is deleted off of my report. I also am aware of Experian facing a lawsuit because they are not actively and efficiently looking into consumer disputes.

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: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had Navy federal for a couple of years and I went to go add one to the account and it rejected the money. I did not know they closed my 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 2025-01-16 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: MD

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. 
I want

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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX 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, XXXX 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 XXXX 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 XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: SC

Complaint narrative:
A complaint, Complaint Number XXXX has already been filed. During this filed complaint on XX/XX/XXXX I have received XXXX voicemails from XXXX different Executive Representatives. One gentleman called XXXX XXXX, XX/XX/XXXX. I called back on XX/XX/XXXX leaving a voice message with no return calls. 
A young lady called named XXXX leaving a voice message on XX/XX/XXXX requesting that i call her back stating she was from the same Executive Team as referenced in my original complaint. I returned the call back to XXXX on XX/XX/XXXX. 
To date no other contact has been made from PNC until today XX/XX/XXXX requesting my XX/XX/XXXX payment via text. I have not made this payment due to the prior complaint. My account remains delinquent on my credit report and my payments are not being applied correctly. 
I immediately called to make a payment, and the customer service rep would not take my payment. I confirmed my social security card, my address, my phone number. The gentlemen on the other line stated that due to my account status he needed further information and would not take my payment until I followed the process. I respectfully declined stating that I have provided PNC with enough of my time and anxiety, made him aware that the account was supposedly with the Executive Team I was simply calling to make a onetime payment. He again declined the offer. I am aware that all of these calls are recorded the recording can be accessed on today 's call XX/XX/XXXX at XXXX XXXX. 
I immediately called back PNC got another customer service rep on the phone and was able to process my XX/XX/XXXX payment in the amount of {$790.00}. During this time, she stated that my account was still past due. ( i have not received any recent notice of my account being past due ) She stated the account was past due in the total amount of {$1500.00}. 

This is more than one person should have to deal with. I am a single mom working to provide and pay my bills on time. Due to the issue that PNC has they have lessened my credit score and my good standing with no regard nor remorse to their mistakes. 

They have not made any extended effort to correct the issue or try and to resolve the issue. As a matter of fact, they made the efforts worse by my calling to make a payment and them denying my payment due to wanting me to confirm and quote " stay on the line due to my account delinquency and confirm further information. "

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was had checking account in Astoria bank for 10 years ago the bank changed it his name many times final now his name is WebsterBank.

I surprised this bank stilling send for me the fee for safe box I already closed for 10 years ago I tried to explain to them this account closed and I gave the keys to the bank but not believe me the reason because it didnt found the keys I closed this account from 10 years ago and I give them the keys if the bank lost the keys is not my fool. 
Webster bank XXXX XXXX XXXX XXXX CT XXXX

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: AZ

Complaint narrative:
XXXX XXXX Experian 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 unverified accounts unresolved. The Consumer Financial Protection Bureau. ( CFPB ) has recently filed a lawsuit against Experian, alleging, systemic issues such XXXX failing to forward, Consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligned 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 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: 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: MO

Complaint narrative:
Experian has failed to fulfill its legal obligation under 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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: HI

Complaint narrative:
I had autopayments set up on my loan with MOHELA and on several occasions they just stopped taking out the payments. When I inquire why, they say insufficient funds but I confirmed with the bank that this was not the case and they did not reject any payments. Then I was told that my account was put into forbearance which I did not request. I read on-line that this is happening to others as well and I believe they are doing this to collect more fees and interest.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On this day XX/XX/year>, I called truest bank on today 's date to get a copy of the past six months of my banking statements instead of providing them the abrutly closing my account they refuse to give me bank statements on the account from XXXX 2024

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: 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:
15 U.S. Code 1692c and 15 U.S. Code 1681n - 1681o I have been violated time and time again with the credit bureaus for allowing debt collectors and credit card companies to report false and damaging information. My personal information was compromised and bought over and over again damaging my name and livelihood.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( XXXX ). XXXX and Remove.

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: TX

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 CFBP 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