vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
An account from JP Morgan in the amount of {$1200.00} opened XX/XX/year> is on my credit report and I did not open it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: OH

Complaint narrative:
I am filing this complaint to dispute several hard credit inquiries appearing on my consumer report. I did not authorize, apply for, or have any business relationship with the companies listed below on the dates shown. Because consumer reporting agencies must only list inquiries supported by a lawful, permissible purpose under the Fair Credit Reporting Act ( FCRA ), I request a full investigation of each listed inquiry and the removal of any inquiry that can not be verified with substantiating documentation. 

Hard Inquiries to Be Investigated and Removed : TransUnion 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 I have no records ( applications, authorizations, account openings, or other interactions ) with the above entities corresponding to the dates shown. The presence of these hard inquiries on my credit file therefore appears to be inaccurate and possibly lacking a permissible purpose as required by the FCRA.

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 2025-12-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-09 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:
Dear Sir/Madam, I am submitting this dispute regarding multiple inaccuracies on my credit reports. Below are the details of the accounts in dispute for each credit bureau : Experian ( EX ), I request a thorough investigation into these discrepancies and the correction of my credit file. 

INQUIRIES Account Name : XXXX XXXX XXXXXXXX Account Date : 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 2025-12-09 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: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-12-09 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: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : TransUnion 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 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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date : XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : METHOD OF VERIFICATION REQUEST FCRA 611 ( a ) ( 7 ) To Whom It May Concern : I recently received the results of your reinvestigation. I am requesting the specific method of verification : 1. Who you contacted 2. How they verified the information 3. What documentation they provided 4. The name of the person who verified it 5. Whether automated XXXX  verification was used If you can not provide this information, you must delete the items immediately. 

Sincerely, XXXX XXXX

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony Bank Controls the following bank cards that I had and closed all of them at the same time citing " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay '' on or about XX/XX/year>. 
XXXX XXXX Credit Card ( Just got it and approved for a moderate credit line ) - XXXX * XXXX XXXX XXXX XXXXXXXX XXXX TJX Rewards Platinum Matercard- XXXXXXXX XXXX  Care Credit Mastercard- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Lowes Credit Card- XXXX They first lowered credit lines without prior notification on one of the accounts in May which caused significant embarrassment when attempting to pay a bill and traveling. 

I have always paid my payments on time and haven't missed a payment. My credit score is in the XXXXXXXX XXXX. When I asked the company why my cards were all closed out at the same time, they would only tell me the same statement that was on the correspondence. They would not give me any more information. 

This has negatively affected my credit rating and was done without proper justification. 

I have never felt like a company had more of a monopoly on store credit cards. 

In addition, I've found that they are very slow in posting payments to the accounts. Sometimes 3-5 days when you pay it automatically online. This allows them to charge late fees and/or additional interest saying that they haven't posted the money yet but its been taken out of the account. 

A review of online complaints show that the company has a history of doing this. I have a steller credit history and not sure why they would do this to me. They won't give me an answer.

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 monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
In XX/XX/year>, a collection account for {$140.00} from XXXX XXXX was reported on my XXXX credit report by Aldous & Associates. I paid this full amount on XX/XX/year>, and it was updated as paid. 
However, on XX/XX/year>, Aldous & Associates added a new second collection account for {$120.00} for the same gym membership. I never signed any contract with XXXX XXXX, I do not owe this new balance, and no services were used. This appears to be a duplicate collection, which is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 
When I contacted Aldous & Associates, one representative asked for my Social Security number and card information and then told me I needed to pay {$99.00} now and {$49.00} next month for them to remove the collections permanently from my credit report. They said if I pay these fees, they will delete the account. This feels deceptive, abusive, and illegal because collection agencies are not allowed to charge consumers to delete credit report information. 
I have already paid the original {$140.00}. I do not owe any additional money. I am requesting : Immediate removal of the duplicate {$120.00} collection account, Investigation into the actions of Aldous & Associates, and Correction of my credit report with XXXX XXXX XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
I am filing a complaint against Discover regarding a dispute for a {$500.00} transaction with the merchant XXXXXXXX XXXX XXXXXXXX XXXX. Discover closed my dispute even though I provided complete evidence showing the merchant shipped an item that arrived damaged, failed to deliver all items I paid for, and did not resolve the issue after months of communication attempts. 

Summary of the Issue : I purchased a bicycle groupset from XXXX XXXX. 
The first shipment was missing an item. 
When the missing item was finally shipped, the replacement item arrived damaged ( I provided photos ). 
The merchant repeatedly told me they were waiting on XXXX but never provided updates or completed the XXXX claim. 
I followed up multiple times through email and text, with long delays and no resolution. 
The merchant stated they would only offer a partial refund if I closed my XXXX case, which is unreasonable and coercive. 
Because the merchant failed to resolve the issue, I disputed the charge with Discover. 
Important Evidence : I uploaded : Photos of the damaged item Emails and text messages showing delays and lack of resolution Proof that I repeatedly followed up for over a month Screenshots showing the missing item issue A full written summary explaining the timeline Critical New Information : XXXX XXXX independently investigated the SAME merchant for the SAME order ( another portion of the purchase was paid with XXXX ). 
XXXX ruled fully in my favor, determining that the merchant did not deliver the product as described and did not resolve the issue. 

This clearly validates my claim and contradicts Discovers conclusion. 
Why I am filing this complaint : Despite submitting all evidence, Discover closed my dispute and stated the transaction is valid. 
I believe Discover did not properly review my documents or consider : The damaged product The missing item The merchants refusal to resolve the issue The stalling tactics The XXXX ruling supporting my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Roadrunner Account Services, LLC
State: FL

Complaint narrative:
XXXXGoodwill Deletion LetterXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEmail XXXXDate XXXXCreditor / road runner account services \nAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX  State Texas ZIP XXXX\n\n: Goodwill Request for Credit Report Adjustment\nAccount Number: XXXX\nOriginal Creditor \n\nTo Whom It May Concern,\n\nI hope you are doing well. I am writing regarding the above-referenced account. I want to express my appreciation for your willingness to work with me while I resolved this debt. The account has since been paid/settled in full as agreed on XXXX XXXXI am reaching out with a goodwill request. During the time this account became past due, I was dealing with [brief explanation of hardshipjob loss, medical issues, reduced hours, family emergency, etc.]. This temporary setback affected my ability to maintain payments, but I have since worked hard to get back on track.\n\nSince resolving the account, I have rebuilt my financial stability and have been consistently meeting my obligations. Because of this progress, I am respectfully asking if you would consider removing the negative reporting associated with this account from my credit reports with XXXX, XXXX, and XXXX as an act of goodwill.\n\nI fully understand that you are not required to make this change. However, your goodwill adjustment would greatly support my efforts to secure reliable housing/transportation/employment (choose one or leave blank) and continue improving my financial future.\n\nThank you for your time, understanding, and consideration. I sincerely appreciate any assistance you can provide.\n\nSincerelyXXXX XXXXIf you want, I can also write a version that is:  More emotional or hardship-based\n More formal and legal in tone\n Shorter and more direct\n Tailored to your exact account and situation\n\nJust tell me what you prefer!'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I am a consumer trying to correct inaccuracies on my credit report. The following accounts are in dispute. I request your immediate investigation of these items, as they appear to be inaccurate or incomplete. Please investigate each item and provide a resolution in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF EXPERIAN XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$9800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES EXPERIAN XXXX XXXX : XX/XX/XXXX LATE PAYMENT EXPERIAN XXXX XXXX XXXX XXXXXXXX Account Number : 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 2025-12-09 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: KY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-09 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:
This item is not mine and was reported without any valid association.

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