vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc.
State: NC

Complaint narrative:
Subject : Complaint Against Cash App for Fraudulent Transaction Involving My Wisely by XXXX Account Date : XX/XX/year> To Whom It May Concern, I am filing a formal complaint against Cash App concerning fraudulent transactions that occurred involving my Wisely by XXXX account. Unauthorized funds were withdrawn from my Wisely account via XXXX XXXX on XX/XX/year>. Despite multiple attempts to resolve the matter, neither XXXX XXXX nor Wisely by ADP has provided any meaningful resolution. 
XXXX. Fraudulent Transactions : XXXX XX/XX/year>, several unauthorized transactions were made from my Wisely by ADP account to XXXX XXXX. The details of the transactions are as follows : * {$200.00} * {$180.00} * {$180.00} * {$120.00} I immediately contacted both XXXX XXXX and Wisely by ADP to report the fraudulent activity and request assistance in reversing these charges. However, I have received no updates or satisfactory help from either party to address the issue. 
XXXX. Unresponsive and Unhelpful Customer Service : XXXX contacted Cash Apps customer service on multiple occasions ( on XX/XX/year> but I was met with unhelpful, vague responses, and in some instances, rude customer service. Despite clearly explaining the fraudulent activity, I have not received meaningful assistance or updates regarding my case. Similarly, Wisely by ADP has been unresponsive to my inquiries and has not provided adequate support in investigating or resolving the fraudulent transactions. 
XXXX. Lack of Resolution : \nI have yet to see any resolution from either Cash App or Wisely by ADP XXXX and I have not been refunded for the fraudulent amounts taken from my Wisely by ADP account. This lack of support and communication has caused me significant distress, and I am unable to rectify the situation on my own. 
Request for Action : \nI am requesting the following actions : * A full investigation into the fraudulent transactions from my Wisely by ADP account to Cash App on XX/XX/year>. 
* A full refund of the funds taken from my Wisely by ADP account, totaling {$690.00} ( {$200.00} + {$180.00} + {$180.00} + {$120.00} ). 
* Immediate improvements to both Cash Apps and Wisely by ADPs customer service systems to ensure better handling of such incidents in the future. 
I would appreciate the Consumer Financial Protection Bureaus assistance in facilitating the resolution of this matter, as I have not received satisfactory responses from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NY

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 non-monetary relief
Consumer complaint received 2025-04-28 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: OH

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 2025-04-28 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: IL

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Last year in XXXX, I had a business credit card with Chase bank, that accumulated over {>= $1,000,000} points which was the equivalent to {$21000.00} in rewards. The bank confiscated all XXXX points and closed the account. After initiating an investigation Chase reinstated my XXXX Million points and returned the {$21000.00} that was confiscated. Without any notice, and no outstanding debt owed to Chase ( the account was current and had a {$0.00} balance ) Chase reported a XXXX day late payment to all credit bureau 's, which has severely impacted my credit. This is inaccurate reporting as there was never a late payment, no notices sent about any said late payment and they card was less than 6 months old and closed with a {$0.00} balance. I have spent numerous hours trying to speak to someone at Chase bank and no one is willing to give any information or their names or employee ID numbers. My credit went from XXXX to XXXX. Due to the inaccurate reporting of a late payment, and failure to provide any notice, I'm requesting the falsely made late payment mark be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: 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 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 2025-04-28 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: 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 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
I have been disputing this alleged debt for account number XXXX with Rent recovery, XXXX and CFPB since XXXX. First, I was never contacted about the alleged debt. Second, I requested legal valid proof on several different occasions and is yet to receive anything. How can you keep something on someones credit file when you dont provide me any evidence of the alleged debt? Not to mention the alleged debt is from 2017 according to my report that is far beyond the statute for Texas which is 7 years and 180 days from the original delinquency. According to the FCRA you can not restart a collection date. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, you are required to provide verification of the debt upon request. You have not provided any original documentation proving I owe this debt. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and verifiable. If a consumer disputes an item on their credit report, the agency must investigate and provide proof of the debt if they are unable to substantiate the information, it must be removed from the report. In 15 U.S.C. 1681i, which states that if an item is disputed, the credit reporting agency must conduct a reasonable investigation and, if they can not verify the accuracy of the information, it must be removed. Since Experian nor Rent Recovery has not provided me with any evidence of the requested information/proof this is a violation of my rights. First, I was never given a dunning letter of the alleged debt. Second, when I requested for actual physical evidence of the debt it was not provided unto me. All Experian did was send a letter said investigation was completed and they were keeping the alleged debt on my report but didnt provide any of the said documents of evidence they claimed they have. Rent Recovery said they didn't have enough information to provide me proof. I need an explanation on why this isn't being removed when no proof has been released of the alleged debt. Everyone is clearly violating y rights in every way. This has gone beyond 60 days for this request and nothing still. Respectfully I demand that you cease all collection efforts, remove any related entries from my credit report, and confirm this in response. If you fail to comply, I will file a complaint with the Texas Attorney General 's Office, FTC and escalate my complaint through legal channels. This letter serves as a final warning. If I do not receive a satisfactory response within 15 days, I will take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I contacted Nelnet, my XXXX XXXX  servicer to inquire about the Master Promissory Note for loans I obtained from XXXX University. I was in attendance at XXXX University from XXXX. The school closed and lost their accreditation XX/XX/XXXX. 
I have applied for closed school loan discharged for many years because this school lost their accreditation and have constantly been denied. 

My master promissory note For " XXXX University " is not available on the XXXX website, an associate from XXXX website searched for it and could not find it. ( chat transcript attaches ) I need these loans from XXXX University discharged and I need them discharged now. These loans are reported on my credit report yet NO ONE can find the Master Promissory Note attached to these loans. 

As a consumer I should have access to every single Master Promissory Note for the loans I obtained. If you cant supply it, then discharge it expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian, XXXX, and XXXX  for unlawfully reinserting previously deleted accounts onto my credit reports. 
Experian XXXX XXXX XXXX  accounts & XXXX account XXXX  : XXXX account These reinsertion actions were conducted with notification but no proof of verification as Ive been asking for this whole time without providing original source verification documents, and in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) and 611 ( a ) ( 6 ) ( B ) ( iii ). I have repeatedly requested original verification, but none has been provided. They even sent me a stall letter and as well they answered my dispute when I go to view it isnt available and then states its not on my account but clearly is on there as XXXX summit the screen shot it is. 

These actions are deceptive and constitute willful and negligent violations of my consumer rights. I am requesting immediate corrective action, including the permanent removal of these accounts and appropriate penalties against the credit reporting agencies involved. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX Date : XX/XX/year> 2025

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian, XXXX, and XXXX  for unlawfully reinserting previously deleted accounts onto my credit reports. 
Experian XXXX XXXX XXXX  accounts & XXXX account XXXX  : XXXX account These reinsertion actions were conducted with notification but no proof of verification as Ive been asking for this whole time without providing original source verification documents, and in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) and 611 ( a ) ( 6 ) ( B ) ( iii ). I have repeatedly requested original verification, but none has been provided. They even sent me a stall letter and as well they answered my dispute when I go to view it isnt available and then states its not on my account but clearly is on there as XXXX summit the screen shot it is. 

These actions are deceptive and constitute willful and negligent violations of my consumer rights. I am requesting immediate corrective action, including the permanent removal of these accounts and appropriate penalties against the credit reporting agencies involved. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX Date : XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: 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 non-monetary relief
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
XXXX, Experian, and XXXX  are inaccurately and irresponsibly reporting a late payment for XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX even though the account clearly reflects a {$0.00} past due balance. A balance of {$0.00} makes it impossible for any valid late payment to exist, yet all three credit bureaus continue to allow this derogatory information to remain on my report without justification. I have a right under 15 USC 1681i to expect a full and thorough investigation whenever disputed information is challenged, yet no verified evidencesuch as original billing statements, payment history records, or creditor correspondence confirming a legitimate delinquencyhas been provided to substantiate this claim. Instead, the bureaus are permitting inaccurate and damaging information to persist, which also violates their duty to maintain maximum possible accuracy under 15 USC 1681e ( b ). Reporting a non-existent late payment is not only reckless but directly harms my ability to access fair credit opportunities.

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 2025-04-28 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: PA

Complaint narrative:
TransUnion, Experian, and Equifax are inaccurately and irresponsibly reporting a late payment for XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX even though the account clearly reflects a {$0.00} past due balance. A balance of {$0.00} makes it impossible for any valid late payment to exist, yet all three credit bureaus continue to allow this derogatory information to remain on my report without justification. I have a right under 15 USC 1681i to expect a full and thorough investigation whenever disputed information is challenged, yet no verified evidencesuch as original billing statements, payment history records, or creditor correspondence confirming a legitimate delinquencyhas been provided to substantiate this claim. Instead, the bureaus are permitting inaccurate and damaging information to persist, which also violates their duty to maintain maximum possible accuracy under 15 USC 1681e ( b ). Reporting a non-existent late payment is not only reckless but directly harms my ability to access fair credit opportunities.

Company response to consumer: Closed with non-monetary relief