vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: DC

Complaint narrative:
I was informed by NAVY FEDERAL CREDIT UNION THAT IF I USE MY OVERDRAFT ( XXXX  ) ACCOUNT, I WOULD NOT BE CHARGED AND EXTRA {$20.00} CHARGE. I LIVE IN XXXX XXXX AND TAKE AN XXXX TO VIRGINIA ( XXXX XXXXXXXX XXXX ) each month to take out my overdraft XXXX XXXX ACCOUNT ) WITH NO FEES/CHARGES. I HAVE BEEN CHARGED {$20.00} FOR EACH ACCOUNT ( 2 ) FOR SEVERAL YEARS, ALTHOUGH I USE THEIR ATM TO RELINQUISH MY OVERDRAFT. PLEASE HELP

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: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was sent a solicitation from Navy Federal Credit Union for a XXXX XXXX XXXX XXXX XXXX. On XXXX I responded to the solicitation by filling out a applications online. I was denied after given my application, A denial letter arrived around 7-10 business days letter. My credit score was in great shape. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal Credit Union has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 in the case any action by an individual, such additional damages as the court may allow, not not exceeding { {$1000.00} } Pursuant 15 U.S.C. 1691 & 12 CFR 1002 clearly states that I can not be Denied credit due to credit score, credit history, or income. Any adverse actions in consumer credit transactions is illegal.

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

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 2025-01-16 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: FL

Complaint narrative:
The complain is about the services provided by XXXX, aka tXXXX 

They are advertised on the website that belongs to XXXX XXXX XXXX XXXX XXXX XXXX  as an option to refinance a car loan. False advertising includes a specific offer with a term and a rate that should follow upon approval. Once approved, I received an offer that had a significantly higher rate and included a fee that was not mentioned before. This seems to be consistent with other users as well. Please see a discussion here : XXXX XXXX XXXX XXXX  of my offer : My current loan APR : XXXX XXXX  XXXX offer on XXXX : XXXX XXXX Once approved XXXX XXXX was : XXXX XXXX ( higher that my original APR ). Also, a fee of {$690.00} would have to be paid. Additionally, when I submitted a request, nowhere was it specified that I would get a hard pull on my credit. A hard pull was created and it negatively affected my credit score. 

I would like for someone to take action against this financial institution in order to stop them from providing a false information to potential customers. A separate complain will be submitted against XXXX XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Subject : Request for Assistance with Account Issues Dear EXECUTIVE OFFICER Team, I hope this message finds you well. I am writing to address an issue regarding a check-in savings account that has been opened in my name without my consent. As the third generation in my family, this situation is particularly concerning, as it is preventing me from opening my own bank accounts.

I have already filed an identity theft dispute regarding this matter, which I will include for your reference. I would greatly appreciate it if someone could reach out to me at your earliest convenience to assist me in opening a check-in and savings account.

Thank you for your prompt attention to this issue. 

Best regards, 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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX My husband and I attended a sales meeting at XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. We were lured there under the pretense that they were interested in purchasing our XXXX XXXX properties that we have with XXXX. We listened to their sales pitch and was not really interested until they told us that we could buy into their XXXX share for {$47000.00} and that they would sell our time shares for {$51000.00}. Also they told us that they would buy back our 8 weeks at the rate of {$2500.00} per week ( {$20000.00} per year ) for two years and at the end of 2 years they would even buy back our contract with them for {$78000.00}. We were sold, until we got back home from XXXX and needed to search on the internet for additional phone numbers and ran across a litany of angry buyers that said they were scammed out of thousands of dollars and the company never did anything for them. They never bought their times shares, never had any vacancies no matter how far in advance they tried to book it and refused, even if you were within the 5 day cancelation window, to cancel their contracts. We realized the almost {$20000.00} the we had giving them on two credit card transactions ( Capital One {$9700.00} and XXXX XXXX XXXX which they supplied the application for, for {$10000.00} ) may be in jeopardy and started contacting the companies. We immediately sent XXXX XXXX a Cancellation letter via XXXX which they signed for on XX/XX/XXXX in which we also demanded a refund of all deposits. This was well before the effective date of XX/XX/XXXX XXXX We filed a complaint with the Federal Trade Commission and they instructed us to pursue a chargeback from our credit cards which we had already initiated. Both, Capital One and XXXX XXXX have not ruled in our favor regardless of the mountain of documentation that we have provided to them. We are XXXX XXXXs, I am XXXX and my husband is XXXX XXXX XXXX and we are on a fixed income. If XXXXXXXX XXXX  were an honest company, they would rectify this matter themselves. They have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: IL

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.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.

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: IL

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlights 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 tracking these transactions was infeasible. The CFPB findings indicate that Zelle had not only neglected to protect consumers but had allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NC

Complaint narrative:
I am asking for your assistance in investigating accounts with inaccurate late payment reports. When I was laid off, I requested forgiveness, which they approved, yet they continue to report the payments as late. Despite my efforts to follow up, Ive received no updates, leaving this as my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: IA

Complaint narrative:
For well over the last year, Ive been trying to get them to remove the affirm accounts that are listed on my credit report. I was never late on those account accounts, and I have the paid in full letters that affirm sent me themselves. One of them is a four dollar account. Why would I leave four dollars unpaid

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: 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 express my concerns in regards to Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit which highlights 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 unattainable. 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. With this lack of accountability and transparency it is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of consistent of XXXX personal credit card associated with XXXX  ( XX/XX/year> ) XXXX for insurance with XXXX  XXXX and XXXX XXXX  XXXX, and from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX. There are also fraudulent reports associated with collections relating to XXXX XXXX from XXXX XXXX And XXXX students loans with XXXX XXXX on XXXX, and XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned and any associated items be removed from each and every one of my credit reports and that all collection to said items cease pursuant to my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: IL

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 many 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 tracking these transactions no feasible. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
No direct deposit into my account. No answer on when it will be fixed, and no effort to fix or prevent any consequences on my end received from not having money in my account.

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: 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 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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I used Zelle linked with my XXXX XXXX  and XXXX XXXX  accounts and multiple times there were funds sent that never arrived which in turn made me have to re send money. Recipients never received their money. Contacted customer service and was never able to get any money back. Showed bank statements as well. Sent {$140.00} and was never delivered through Zelle. Another time I sent {$18.00} and was never sent had to send again and lost out on the money.

Company response to consumer: Closed with explanation