vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I opened a new card with Navy Federal/XXXX XXXX and initiated a balance transfer for {$2800.00}. The check was mailed to the credit card company but was stolen during transit and deposited into a XXXX XXXX account. I reached out to Navy Federal who advised there isn't anything they can do to reach out to my card company. I explained that the cashed check copy they sent was not for the credit card company but for someone with a XXXX XXXX Account. 

I visited XXXX XXXX and advised them what took place and they stated someone would give me a call back. I received a callback and the rep stated because of privacy issues they can not give me any information on who the account belongs to but my bank can file a dispute and they can assist with retrieving the funds since the check was not made payable to the depositors who cashed the check. I reached back out to Navy Federal and they still refused to do anything stating that I was still responsible for the {$2800.00} although the check had been stolen. So now I owe {$5700.00} and Navy Federal isn't helpful in any way and threatened to hang up the phone because they can't help me.

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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
On XX/XX/year>, I received a {$150000.00}XX/XX/XXXXpayment ( XXXX : XXXX ) from a client via XXXXXX/XX/XXXXinto my personal account at FourLeaf Federal Credit Union. The wire settled and was credited the same day. 

My business account had recently been closed, and FourLeaf was my only remaining bank, even though no branch is near my home. After receiving the funds, I issued two checks to transfer the balance to my XXXX XX/XX/XXXX account for bill payments and project reinvestment. 

FourLeaf dishonored those checks, froze my account, and later reversed the XXXX entirely claiming, without court order, that the sender reported an account takeover. 

I submitted a notarized Letter of Indemnity, a full Affidavit of Performance, and over 30 pages of supporting evidence including screenshots of delivery, client access, login timestamps, and project completion. Despite this, FourLeaf chose to reverse a settled XXXX payment without my consent or due process. 

I requested FourLeaf provide : The XXXX return memo Their fraud findings or reason codes A formal account closure letter They never provided any of it. 

This reversal violates UCC 4-A-403 and 4-A-405, which define XX/XX/XXXX as final upon settlement. My funds were taken after settlement, even though the client received the product and continues to use it.

I am now out {$150000.00}, my account was closed, and the recipient has both the software and the money. I respectfully request that the CFPB investigate and hold FourLeaf FCU accountable for violating federal wire transfer rules and improperly disregarding my indemnity and documentation.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have had a JP Morgan Chase Reserve credit card opened for 10 years. I have never missed a payment. it is my only credit card i have and I do not have any other debt or loans.

Because of this, my credit score is 643. JP Morgan Chase wont report my credit to FICO to raise my score. I am being unfairly punished even though I have good credit. If i were to get a loan or rent an apartment I would get denied based on my credit score that is not accurate. This is unfair and creates damage to myself.

I should be able to submit this to XXXX XXXX XXXX XXXX as well and have them raise my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Contacted credited regarding inaccurate information on my report. Does not appear to be valid and requested immediately to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal joint complaint against Equifax, Experian, TransUnion, XXXX XXXX XXXX, and XXXX  for failing to investigate, correct, or coordinate resolution of multiple inaccurate credit and public record entries. 

Between XX/XX/XXXX and XXXX XXXX, I submitted 4 rounds of documented disputes. The following negative accounts remain inaccurate or unverifiable : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  ( XXXX  XXXX ) XXXX Bureaus blame XXXX ; XXXX claims to await bureau replies. Meanwhile, my XXXX report contains a Civil Court public record from : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL This record triggered a housing denial from XXXX XXXX in XX/XX/XXXX, confirmed via email. XXXX was used to screen me and based their decision on XXXX data. I request XXXX identify the court source and provide case number. If unverifiable, it must be deleted. 

I am attaching : - My ID and address documents- Round 4 dispute letters- Housing denial proof ( XXXX  ) - XXXX responses- Civil record excerpt Requested action : 1. Investigate all entities listed 2. Compel correction or deletion 3. Require XXXX to verify or remove court data 4. Prevent future data sharing without validation Ive suffered emotional and financial harm from this breakdown in data responsibility.

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 2025-05-15 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: DISCOVER BANK
State: IL

Complaint narrative:
Made a {$42.00} charge from DoorDashXXXX XXXX. I initially attempted to resolve this issue directly with XXXX, as the order I received was damaged, burnt, and not edible. Despite multiple attempts to contact XXXX through their app and request to speak with a live representative, I received no meaningful response. 

Had this order been placed directly with XXXX  XXXX, I am confident that the issue would have been promptly addressed, as restaurants typically resolve quality concerns directly with their customers. However, because this purchase was made through a third-party service, my efforts to seek a correction or refund were entirely disregarded. This leaves me without a proper resolution and, more importantly, without the meal I paid for. 

I believe this handling of my dispute is unfair and inconsistent with Discovers commitment to protecting consumers from incorrect or unsatisfactory transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
A foreclosure sale is scheduled for XX/XX/year>, on my residence, XXXX XXXX XXXX, XXXX, CA. I am a named XXXX under the original Deed of Trust. On XX/XX/year>, I received a single package from XXXX XXXX XXXX XXXX, XXXX ( AWLS ) containing XXXX conflicting documents : ( XXXX ) a Substitution of Trustee dated XX/XX/year> ; ( XXXX ) a Notice of Default ( XXXX XXXX XXXX XXXX naming both my husband and me as Trustors, recorded XX/XX/XXXX ; and ( XXXX ) a second XXXX  dated from XXXX XXXX XX/XX/XXXX addressed to and naming only me. These were sent without any prior contact, phone call, or written outreach from XXXX XXXX XXXXXXXX ( XXXX ), or United Wholesale Mortgage ( UWM ). 

The delivery of contradictory and confusing legal documents caused emotional distress, uncertainty, and legal confusion. Under the FDCPA and XXXX XXXX, debt collection communications are judged by their impact on the least sophisticated consumer. The bundling of inconsistent Notices of Default with an unexplained substitution of trustee, sent without the required notices or contact, constitutes deceptive conduct and undermines due process. 

I am formally disputing the validity of the debt, the legal authority to foreclose, and the standing of any party acting without written authorization from XXXX, whom the servicer ( UWM ) identified in writing as the owner of the loan. The Deed of Trust also references a restriction on foreclosure without Department XXXX XXXX XXXX XXXX VA ) approval. This inconsistency and the absence of chain-of-title transparency create legal uncertainty and impair my ability to defend against foreclosure. 
I have not received any debt validation under 15 U.S.C. 1692g. AWLS is not licensed under Californias Debt Collection Licensing Act ( XXXX XXXX XXXX ) and has issued solicitations and foreclosure documents in apparent violation of that law. XXXX XXXX has not provided meaningful servicing responses or proof of authority. 
This property is held in a religious land trust and used regularly for worship and XXXX XXXX Foreclosure would substantially burden religious exercise protected under the Religious Land Use and Institutionalized Persons Act ( RLUIPA ), 42 U.S.C. 2000cc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
This account violates XXXX XXXX by reporting both a charge off status and past due balance. Please remove this account in according with FCRA and XXXX XXXX guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
COAST PROFESSIONAL gained access to my identification COAST PROFESSIONAL Do not recall entering any agreement COAST PROFESSIONAL Deprivation of rights under color of law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My spouse and I have recently applied for a HELOC through a local credit union and within 30 minutes of having our credit checked by the credit bureaus, we have been absolutely inundated with phone calls from countless solicitors and prescreening calls trying to offer their financial services and rates. The rates of calls have been averaging approximately one call every 5 minutes for the past two days, with well over 300 calls so far and no sign of slowing down. The calls are so much that I've had to turn on call screening to highest setting and ignoring all phone calls coming in, which also means I'm likely missing important phone calls that I've been expecting, including one from the loan officer that I'm waiting to call me back relating to the HELOC. 

I have contacted the credit union about this and they told me they have no control over this and has to do with the credit bureaus release of my personal information to soliciting creditors buying lead information. I have also tried to contact Experian to try to speak to someone but have been unable to speak to a human being and the options available do not apply and ultimately the call is ended by Experian before I can navigate the phone menu options. I have submitted to opt out on optoutprescreen.com ( reluctantly provided my personal information ) on their web form, and have also added my number to the national do not call registry, but the calls are still flooding in. 

I am very concerned my information has also ended up in the hands of scammers and criminals who are also buying these leads from the credit bureaus. I have had the same number for over 20 years now and so changing my number is something I really do not want to do but am actually considering if I can't find a solution. I find it absolutely insane that this is allowed by the credit bureaus and need help with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My spouse and I have recently applied for a HELOC through a local credit union and within 30 minutes of having our credit checked by the credit bureaus, we have been absolutely inundated with phone calls from countless solicitors and prescreening calls trying to offer their financial services and rates. The rates of calls have been averaging approximately one call every 5 minutes for the past two days, with well over 300 calls so far and no sign of slowing down. The calls are so much that I've had to turn on call screening to highest setting and ignoring all phone calls coming in, which also means I'm likely missing important phone calls that I've been expecting, including one from the loan officer that I'm waiting to call me back relating to the HELOC. 

I have contacted the credit union about this and they told me they have no control over this and has to do with the credit bureaus release of my personal information to soliciting creditors buying lead information. I have also tried to contact Experian to try to speak to someone but have been unable to speak to a human being and the options available do not apply and ultimately the call is ended by Experian before I can navigate the phone menu options. I have submitted to opt out on optoutprescreen.com ( reluctantly provided my personal information ) on their web form, and have also added my number to the national do not call registry, but the calls are still flooding in. 

I am very concerned my information has also ended up in the hands of scammers and criminals who are also buying these leads from the credit bureaus. I have had the same number for over 20 years now and so changing my number is something I really do not want to do but am actually considering if I can't find a solution. I find it absolutely insane that this is allowed by the credit bureaus and need help with this!

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 2025-05-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX Account name : XXXX Account : # XXXX Account # XXXX has violated my rights. 

XXXX XXXX. XXXX section XXXX A. States I have the right to privacy. 
XXXX XXXX. XXXX section XXXX A. Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 


XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation