vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Inaccurate Credit Reporting and Request for Investigation Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding inaccurate and potentially fraudulent information being reported on my credit file. Despite my efforts to dispute these items directly with the credit reporting agencies, I am requesting your assistance in ensuring that these matters are properly investigated and resolved. 

Below are the disputed accounts currently being reported on my credit reports by XXXX, XXXX, and XXXX  : XXXX. XXXX Amount : {$360.00} Account Number : XXXX Nature of Dispute : I do not recognize this account ; it may be reported in error. 



XXXX. XXXX XXXX  Amount : {$750.00} Account Number : XXXX Nature of Dispute : Reporting appears inaccurate and unverifiable. 



XXXX. XXXX XXXX XXXX Amount : {$220.00} Account Number : XXXX Nature of Dispute : This debt is unfamiliar and may have been reported incorrectly. 



XXXX. XXXX XXXX XXXX Amount : {$8100.00} Account Number : XXXX Nature of Dispute : I do not recognize this account and request validation or removal. 



XXXX. XXXX XXXX XXXX Amount : {$8900.00} Account Number : XXXX Nature of Dispute : This may be a duplicate and/or inaccurate entry. 



XXXX. XXXX XXXX XXXX Amount : {$10000.00} Account Number : XXXX Nature of Dispute : This listing appears inaccurate or duplicative. 




I have submitted dispute letters to all three major credit bureaus and am enclosing copies of those letters, along with my proof of identity and address. I respectfully request that the CFPB review this matter and help ensure that my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws are upheld. 

Thank you for your time and attention. I look forward to your assistance in correcting these issues. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent account on my credit reports, which have resulted from identity theft. These account were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). This account in question are : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$1600.00} Account Number:XXXX Date : XX/XX/year> Duration : 7 years

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 2025-08-02 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: CA

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 identity 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 2025-08-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX RE : Dispute of Collection Account - {$1400.00} To Whom It May Concern, I am writing to formally dispute the collection account listed under my name in the amount of {$1400.00}, which is being reported by XXXX XXXX XXXX. I have reason to believe that this account does not belong to me and is being reported in error. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information being reported to the credit bureaus. According to 15 U.S. Code 1681s-2 ( a ), a furnisher of information ( such as XXXX XXXX XXXX XXXX not furnish information that it knows or has reasonable cause to believe is inaccurate. 

Furthermore, under 15 U.S. Code 1681i, I am requesting an immediate reinvestigation of this account and a deletion from my credit report if XXXX XXXX can not provide documentation validating that this debt is mine. If no valid proof of debt ownership and liability can be provided ( including signed contracts or billing history ), this account must be removed from all consumer reporting agencies. 

Additionally, under FCRA 605B, if an account is the result of identity theft or fraud, it must be blocked from appearing on a credit report within four business days of receipt of appropriate documentation. While I am not asserting fraud at this time, I am requesting proof that you are lawfully reporting this debt under my personal information. 

If you are unable to verify the validity and ownership of this debt, I respectfully demand that you immediately delete this account from all credit bureaus and cease all collection efforts related to it. 

Please provide written confirmation that this account has been removed or validated, along with a copy of any documentation supporting the debt, within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX RE : Dispute of Collection Account - {$1400.00} To Whom It May Concern, I am writing to formally dispute the collection account listed under my name in the amount of {$1400.00}, which is being reported by XXXX XXXX XXXX. I have reason to believe that this account does not belong to me and is being reported in error. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information being reported to the credit bureaus. According to 15 U.S. Code 1681s-2 ( a ), a furnisher of information ( such as XXXX XXXX XXXX XXXX not furnish information that it knows or has reasonable cause to believe is inaccurate. 

Furthermore, under 15 U.S. Code 1681i, I am requesting an immediate reinvestigation of this account and a deletion from my credit report if XXXX XXXX can not provide documentation validating that this debt is mine. If no valid proof of debt ownership and liability can be provided ( including signed contracts or billing history ), this account must be removed from all consumer reporting agencies. 

Additionally, under FCRA 605B, if an account is the result of identity theft or fraud, it must be blocked from appearing on a credit report within four business days of receipt of appropriate documentation. While I am not asserting fraud at this time, I am requesting proof that you are lawfully reporting this debt under my personal information. 

If you are unable to verify the validity and ownership of this debt, I respectfully demand that you immediately delete this account from all credit bureaus and cease all collection efforts related to it. 

Please provide written confirmation that this account has been removed or validated, along with a copy of any documentation supporting the debt, within 30 days of receipt of this letter. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, Chase notified me via email that all of my accounts were closed and that a refund check had been mailed. As of today, I have not received the check. I called Chase multiple times, but they refuse to confirm the check amount, mailing date, or address used. 

I was told the funds are on hold pending verification with the sender of the check. However, Chase repeatedly called the wrong number and refused to speak with my actual check sender my attorney even when we were on the same call and I gave verbal authorization. They also refused written authorization. 

I previously filed a complaint with CFPB. After I called CFPB, the representative advised me to withdraw the first complaint and file a new one with updated details, which I am now doing. 

My money has been held for over a month without resolution. I need urgent help to release my funds and receive the refund check properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I transferred {$58000.00} from my personal XXXX account to my personal Chase account via domestic wire. The wire cleared the Federal Reserve at XXXX XXXX  ET on XX/XX/year>, and Chase confirmed receipt of the funds. However, Chase placed a fraud hold on the wire, claiming they require verification from the sending bank before releasing it. 

I am the sender and the recipient. Both accounts are in my name. I contacted XXXX, and they confirmed they do not respond to third-party wire verification requests in real time and that there is no way to expedite the process. 

Despite having full visibility into the transaction metadata ( including my name, account info, and the Federal reference number XXXX ), Chase has continued to hold the funds with no actionable path forward. This delay caused me to miss a scheduled vehicle purchase and denied me access to a large sum of money that was rightfully mine. I paid a {$30.00} wire fee for what was supposed to be a fast and secure transfer. 

This is a clear abuse of Chases fraud screening process. Im requesting immediate release of the funds and a full review of Chases policies regarding self-to-self wires, especially when banks know the sender and recipient are the same person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
information regarding XXXX XXXX  credit card account is not mine and a result of identity theft. information regarding the account is not related to any transaction by me the consumer. I request this information be block and deleted from my consumer report, my request to block is not made on the basis of misrepresentation of fact by me the consumer relevant to my request to block. i did not obtain any possession of goods, money, or services

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: CA

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 identity 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 2025-08-02 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: NE

Complaint narrative:
XXXX XXXX report a late payment at the closing of loan # XXXX in XX/XX/year>. Payment due was {$350.00}. I have proof from a bank statement the payment was not made late. XX/XX/year> I traded in the car ( XXXX XXXX ) attached to # XXXX to XXXX XXXX XXXX XXXX, for a XXXX XXXX. 
XXXX XXXX XXXX XXXX and XXXX XXXX did not transition loan # XXXX to # XXXX within a timely fashion. 
I have contacted them through credit reporting agencies requesting a goodwill correction and was denied.

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 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXX XXXX report a late payment at the closing of loan # XXXX in XX/XX/year>. Payment due was {$350.00}. I have proof from a bank statement the payment was not made late. XX/XX/year> I traded in the car ( XXXX XXXX ) attached to XXXX XXXX to XXXX XXXX XXXX XXXX, for a XXXX XXXX. 
XXXX XXXX XXXX XXXX and XXXX XXXX did not transition loan # XXXX to # XXXX within a timely fashion. 
I have contacted them through credit reporting agencies requesting a goodwill correction and was denied.

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 2025-08-02 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: NE

Complaint narrative:
XXXX XXXX report a late payment at the closing of loan # XXXX in XX/XX/year>. Payment due was {$350.00}. I have proof from a bank statement the payment was not made late. XX/XX/year> I traded in the car ( XXXX XXXX ) attached to # XXXX to XXXX XXXX XXXX XXXX, for a XXXX XXXX. 
XXXX XXXX XXXX XXXX and XXXX XXXX did not transition loan # XXXX to # XXXX within a timely fashion. 
I have contacted them through credit reporting agencies requesting a goodwill correction and was denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding significant discrepancies and conflicting explanations provided by my loan servicer, Aidvantage, concerning a substantial and unexplained increase in my student loan balance. 



Timeline & Key Facts XX/XX/XXXX : Total balance : {$260000.00} All loans were reported with an interest rate of 0.000 % A prior payment of {$9900.00} had been made, and this balance reflects that payment Despite being in forbearance and with no additional disbursements or missed payments, the balance increased significantly. 



Undated but Recent Screenshot : Total balance : {$270000.00} Interest rates still shown as 0.000 % Net increase in balance : {$8500.00} No interest was accruing No new loans were disbursed No missed payments were reported I remained in forbearance during this entire period Servicer 's Explanations and Conflicts From XXXX ( Aidvantage Representative ) : States that 0 % interest had been applied incorrectly Claims this caused " negative interest accrual, '' making the balance artificially low Says the balance was " corrected '' on XX/XX/XXXX by increasing the total owed However : My XX/XX/XXXX screenshot already shows all loans at 0 % interest, with no interest accrual visible at that time This undermines the justification for any balance " correction '' made in XX/XX/XXXX, as no interest had been accruing prior From XXXX ( Aidvantage Representative ) : Explains general interest calculation methods Asserts that 0 % interest began on XX/XX/XXXX This explanation also contradicts : The XX/XX/XXXX XXXX already showing 0 % interest across all loans The prior claim from XXXX that the correction was made in XX/XX/XXXX Conclusion : My servicer has provided conflicting and unsatisfactory explanations for an {$8500.00} increase in my loan balance : One representative claims 0 % interest began XX/XX/XXXX Another claims a correction was made on XX/XX/XXXX However, my documentation clearly shows the loans were already at 0 % interest on XX/XX/XXXX, with no interest accrued Given that : I made no new loan disbursements I was in forbearance Interest rates remained at 0 % No missed payments were reported There appears to be no valid basis for the increased balance. I am requesting a thorough investigation and correction of this issue, along with a clear and consistent explanation supported by documentation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation