vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Access to my Credit Report under 15 USC 1681b To Whom It May Concern, I am writing to dispute the access of my credit report by XXXX XXXX XXXX without a permissible purpose as defined under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b. 

On XX/XX/XXXX, my credit report was accessed by XXXX XXXX XXXX on behalf of emergency care services of NJ according to my credit report from Transunion. I have not authorized XXXX XXXX XXXX to obtain my credit report, and there is no business relationship or transaction with emergency care services of NJ that would justify their access to my private information. 

Section 1681b of the FCRA strictly limits the circumstances under which consumer reporting agencies may disclose consumer reports. I believe that XXXX XXXX XXXX has accessed my credit report without meeting these criteria. 

As such, I request that : XXXX XXXX XXXX to provide me with an explanation of their rationale for accessing my credit report. If no valid reason can be provided, I demand that they immediately cease any further access to my credit report and remove any inquiry record related to this access. 

Transunion corrects my credit file by removing the unauthorized inquiry conducted by XXXX XXXX XXXX on XX/XX/XXXX Under the FCRA, I am entitled to have inaccurate information deleted from my credit report. Please complete this investigation and update me with the results within the 30-day period provided by the FCRA. 

Thank you for your prompt attention to this matter. Please confirm in writing that these actions have been taken. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
On XX/XX/year>2025, I applied for a debt consolidation loan with SoFi Bank. My XXXX credit score was XXXX at the time. My credit history includes : No delinquencies No recent account openings A {$26000.00} auto loan with two years of perfect payment history A federal student loan with 100 % on-time payments over the past 7 years Despite this, I was denied the loan. The denial letter cited inaccurate reasons such as : Too many trades opened recently Delinquent credit obligations Limited credit experience These claims are false, and not reflective of the data on my XXXX credit report. 

I called SoFi and initially spoke with an employee who repeatedly told me, Theres nothing we can do. When I asked to speak with a manager, I was transferred to XXXX, a manager based in Utah. 

XXXX confirmed that SoFi uses fully automated systems for credit decisions, that there are no human underwriters, and that SoFi does not allow any manual reconsideration, even when the denial is based on inaccurate or misinterpreted credit data.

He also admitted that SoFis process is based solely on the data pulled from XXXX even if that interpretation does not match what is actually in the report. 

This is extremely concerning. SoFi is taking adverse action based on algorithmic analysis of consumer credit without recourse, correction, or human oversight. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ).

I am requesting the CFPB investigate SoFis reliance on automated credit decision systems with no appeal process, and their refusal to allow corrections or reconsiderations based on accurate, verified credit data. 

I am requesting that the CFPB formally investigate SoFis automated loan decision-making process, especially its refusal to allow consumers any human review or appeal.

SoFi is using XXXX credit data to deny responsible borrowers even when that data is misread, misinterpreted, or factually incorrect and then refusing to reconsider those decisions. 

This kind of system is not transparent, not accountable, and not fair. It hurts people who are trying to use credit responsibly, like myself. I believe this is a dangerous practice, and the CFPB should examine SoFis use of algorithmic decisioning systems without human intervention for compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: WA

Complaint narrative:
All major credit bureaus data has been breached. Personal information has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Diverse Funding Associates LLC
State: NJ

Complaint narrative:
XX/XX/year> Company name is : XXXX XXXX The amount is : XXXX I asked multiple times for proofs, but nothing never happened

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 2025-04-10 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MS

Complaint narrative:
Ive asked several times for validation and original contract and was not provided with either

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 2025-04-10 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: GA

Complaint narrative:
I did not authorize any of the inquiries on my credit report and the credit bureaus did not investigate thoroughly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
I did not authorize any of the inquiries on my credit report and the credit bureaus did not investigate thoroughly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This letter serves as a formal secondary dispute for the complete removal of the XXXX XXXX XXXX collection account # XXXX from my credit report. The significant inaccuracies and inconsistencies in the reporting of this account across the three major credit bureaus raise serious concerns about its validity and verifiability. 

The information reported for this account includes the following discrepancies : Account Status : Experian and Equifax reports show - Closed, while XXXX credit bureau shows - open. This fundamental difference in status indicates unreliable reporting. 
Date Opened : Your report lists XX/XX/2023, while XXXX shows XX/XX/2023. This inconsistency in a key account detail further undermines the accuracy of this listing. 
Dates of Activity/Reporting : The " Date of Last Activity '' and " Date Reported '' vary significantly between your bureau and the others, suggesting a lack of consistent and verifiable information. 

Furthermore, Unlike Equifax, your report does not explicitly state that the debt has not been verified by the subject. Equifax 's report notes, " Subject has not verified debt, '' which raises serious questions about the legitimacy and verifiability of this collection. 

Equifax : Your report already indicates " Subject has not verified debt. '' This, coupled with the inconsistencies in other key account details when compared to XXXX and Experian, strongly suggests that this collection is not being reported accurately or verifiably. 

The presence of these multiple inconsistencies indicates that the information regarding this collection is unreliable and potentially inaccurate, making it impossible for you to accurately verify its details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: DE

Complaint narrative:
I kindly ask that you block and remove the unauthorized accounts from my credit file without delay. I have no knowledge of these accounts, nor did I authorize them. Under the provisions of USC 1681g, Im requesting that these be deleted within 15 days. Enclosed are the necessary documents for your review. Please note that the reported information varies between bureaus and appears to be inaccurate.

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 2025-04-10 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I am filing a formal complaint against Experian for failing to maintain accurate, fair, and verifiable information on my credit report. I submitted a detailed dispute regarding several inaccurate and unverifiable negative entries. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Experian is required to conduct a reasonable investigation and remove any unverifiable or inaccurate information within 30 days.

In addition to these violations, Experian has a documented history of misleading practices. Specifically, on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) fined Experian {$3.00} XXXX for misleading consumers by marketing credit scores that were not used by lenders. This prior enforcement action is evidence of Experians pattern of misrepresentation and failure to ensure accurate reporting.

I am requesting the CFPB to investigate Experian for : Failure to properly investigate disputed accounts Continued reporting of negative items without sufficient verification Violation of FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ) Prior deceptive practices confirmed by CFPB enforcement These inaccurate entries are negatively impacting my creditworthiness and financial well-being. I request your assistance in holding Experian accountable and ensuring compliance with federal consumer protection laws.

The accounts that they have failed to properly investigate are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They all have not furnished any original debt reports, its not reporting accurate information across the bureaus. I keep asking experian however they refuse to have a proper investigation.

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 2025-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: UT

Complaint narrative:
I encountered a financial hardship last year. The co-borrower on my house became ill and I have had to assume the entire mortgage. On top of that, I also lost my overtime at work and took a significant cut in income. In XXXXXXXX XXXX XXXX I submitted my application to LoanCare for Financial Assistance. I was never called or emailed about missing paperwork. I just had to continue to call and follow up to ask why there was not any progress on my application. At which point I would get told they were missing documents. Finally I was approved for a trial payment plan in XXXXXXXX XXXX XXXXXXXX, four months later. I followed the payment plan to the letter and completed it in XXXXXXXX XXXX XXXXXXXX. I received final loan modification agreement paperwork that had to be signed, notarized and returned to LoanCare by XXXX. The paperwork was dated XX/XX/XXXX, the shipping stamp indicated it mailed on XX/XX/XXXX. I received the documents on XX/XX/XXXX. I then had less than 8 days to find a way to get both myself and the co-borrower in front of a notary to complete the documents and return them to LoanCare. I returned the documents with the prepaid XXXX  postage and the documents were received on XX/XX/XXXX. On XX/XX/XXXX I received a voicemail from a LoanCare representative asking for me to give them a call back. I called and the representative said they had not received the documents and asked if they needed to send them out again. I explained that the documents were delivered on XX/XX/XXXX. The representative checked and confirmed that it did show that the documents were delivered. She then said that the documents are reviewed by a third party and that they would have to reach out to them about it. She said to give it until Friday and that it should be updated by then. Today is XX/XX/XXXX. I had not received an update and decided to call. The representative stated that they did not receive the documents and the case is now closed because the offer expired. I explained that the documents were delivered and that the representative that I spoke to last week confirmed that they were received as well. The representative then continued to repeat that the documents are unable to be located and because they were not located the loan modification offer had expired and the case was closed. I asked if that meant that I had to start the process all over again. She told me my options were to pay the full balance due, apply for a repayment plan or to start the application again. I started this process in XX/XX/XXXX and it is now XX/XX/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 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Found an inquiry on my report that I don't recognize. I'm a victim of an identity theft.

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 2025-04-10 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: NJ

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I was contacted without consent by phone from a debt collector National credit adjusters about a fraudulent accout that I previously disputed and submitted fraud documentation for. I am demanding that this company cease all communication with me regarding this matter.

Company response to consumer: Closed with explanation