vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Purchased XXXX XXXX XXXX on XX/XX/XXXX for {$1800.00}. Requested a return after receiving the product in XXXX not as described. The representative from XXXX XXXX granted a refund and then took it back. Synchrony bank cashback XXXX issued a temporary credit in XX/XX/XXXX and every XXXX months they send the same email saying its still temporary. This has been ongoing for almost a year. I never received a final resolution letter after being promised on separate occasions from synchrony bank representatives.

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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
Agreement not reflected in reporting, American credit acceptance, {$6500.00} dollars XX/XX/year> The current reporting does not reflect the agreement made at the time of voluntary surrender and is therefore incomplete under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: OK

Complaint narrative:
On XX/XX/year>XXXX XXXX  publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX  credit report. I do not authorize XXXX  or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I opened a Mattress Firm financing account through Synchrony on XX/XX/XXXX at the Mattress Firm XXXX XXXX # XXXX in XXXX XXXX, Ohio. The sales associate, XXXX, explicitly told me that the promotional financing was XXXX  months at 0 % interest. I relied on this representation when deciding whether to use Synchrony financing. 

Because I was told the promotion was XXXX months, I set my payments to approximately {$55.00} per month, which aligns with paying off a {$1800.00} purchase over XXXX  months. I made consistent payments following that schedule. 

I recently learned that Synchrony only applied a XXXX promotional period to my account, and after the XXXX months ended, they charged approximately {$1400.00} in deferred/retroactive interest. I never agreed to a XXXX promotion. Had I been told the promotion was only XXXX months, I would not have used this financing. 

This appears to be a case of merchant misrepresentation at the point of sale. Synchrony representatives told me on the phone that nothing can be done even though the terms communicated to me in the store were not the terms Synchrony applied. Synchrony has been charging significant interest since the promotional period expired, including {$800.00} in XXXX and {$630.00} in XXXX ( see attached statements ). 

I am requesting the CFPBs assistance because Synchrony has not properly investigated the discrepancy in promotional terms and has not provided me any documentation showing what Mattress Firm submitted regarding my promotion. 

What I want to happen : I want Synchrony to reverse or remove the deferred/retroactive interest because it resulted from incorrect promotional terms communicated by the merchant. 

I want Synchrony to investigate and confirm the promotional terms submitted by Mattress Firm, including any promotion codes or metadata indicating duration. 

If Synchrony believes the merchant submitted incorrect terms, I want Synchrony to work with Mattress Firm to correct the promotion to the XXXX term I was told. 

If Synchrony can not reinstate the correct promotional period, I request a fair adjustment or goodwill settlement that eliminates the deferred interest which I incurred only because I was misled. 

Evidence included : Synchrony statements showing interest charged in XXXX and XXXX Payment history showing consistent $ XXXX payments ( consistent with a XXXX payoff schedule ) Purchase date and store location My recollection of the financing terms communicated at the point of sale Merchant information : Mattress Firm XXXX XXXX # XXXX XXXX XXXX, Ohio Salesperson : XXXX ( last name XXXX ) Purchase date : XX/XX/XXXX Bank information : Synchrony Bank Account ending in 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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase improperly denied my credit card dispute after mis-coding it as a merchandise or service issue. This is not a service dispute. 

I am not the client of the merchant and I have no contractual or professional relationship with this company. I have never received services from them. The merchant charged my credit card without authorization. 

The merchant produced a legal services contract authorizing charges only for a different individual ( XXXX XXXX ) and only to a specific credit card ending in XXXX. My credit card has a different last XXXX and is not referenced anywhere in the agreement. 

I authorized XXXX single, one-time charge of {$2000.00} in XX/XX/year> to assist a friend. I never authorized recurring charges, storage of my card, or retainer replenishment. 

In XX/XX/year>, an attorney at the merchants firm explicitly instructed the billing department to ensure my card was not used, as confirmed in writing. Despite this instruction and the absence of any authorization, the merchant continued charging my credit card. 

The merchant later issued a partial refund of {$3000.00} and subsequently offered an additional {$1000.00} in an attempt to resolve the matter. The additional {$1000.00} offer was not communicated to me directly, as I am not the client and the merchant did/does not have my contact information. 

Chase denied my dispute after coding it as a service issue ( I have an issue with the merchandise or service provided ), which applied the wrong legal standard. This is an unauthorized third-party card use issue governed by Regulation Z, not a billing or service-quality dispute. 

In attempting to resolve this matter, I have been repeatedly transferred between Chases fraud and dispute departments without resolution. During my initial call, I was informed that my card would be cancelled and a replacement card issued due to unauthorized use. This did not occur. Instead, the dispute was routed through standard service-dispute channels, further delaying proper handling of an unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I am reporting identity theft involving multiple credit accounts that I did not open or authorize. I first became aware of the fraud in XX/XX/XXXX after reviewing my credit reports and noticing accounts and inquiries I did not recognize. 
The fraudulent activity includes the following credit card accounts opened without my consent : Natlersys : Account opened around XX/XX/XXXX with approximately {$9400.00} in fraudulent charges. 
XXXX XXXX XXXX  : Account opened around XX/XX/XXXX with approximately {$480.00} in fraudulent charges. 
XXXX XXXX : Account opened around XX/XX/XXXX with approximately {$1100.00} in fraudulent charges. 
XXXX  XXXX : One account opened around XX/XX/XXXX with approximately {$520.00} in fraudulent charges, and another account opened around XX/XX/XXXX with approximately {$330.00} in fraudulent charges. 
I did not apply for, use, or benefit from any of these accounts. I have no knowledge of who opened them. These accounts and related inquiries have negatively affected my credit profile. 
After discovering the fraud, I took immediate action by filing an FTC Identity Theft Report on XX/XX/XXXX, disputing the fraudulent accounts with the credit bureaus, and requesting that the companies involved investigate and remove the unauthorized accounts and charges. I am continuing to work with the affected companies to resolve this matter and restore my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
delete this negative HARD INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX from my credit report

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This late payment record is inaccurate and must be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not request this inquiry and it was added without my knowledge.

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 2025-12-15 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: NC

Complaint narrative:
I am formally disputing the inaccurate reporting of the following account on my credit file : Creditor : XXXX XXXX Account Type : Auto Loan Reported Status : Charge-off / Repossession ; Redeemed Current Issue : False repossession and inaccurate derogatory remarks This account is being reported with a repossession, which is 100 % false and never occurred. The information being furnished is inaccurate, unverified, and in violation of FCRA Section 602 ( A ) and FCRA Section 611. 
I am requesting an immediate reinvestigation and removal of ALL inaccurate information. If XXXX XXXX can not verify this with documentation, the account must be deleted. 
Sincerely, XXXX XXXX XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : FORMAL DISPUTE DEMAND FOR DELETION ( FCRA 611, 623, 605 ) This letter serves as a formal and aggressive dispute of the XXXXXXXX XXXX XXXXXXXX loan account being reported on my consumer credit file. The account is reporting false, misleading, and materially inaccurate information, including but not limited to : False reporting of a repossession that never occurred Illegal re-aging of the account by updating balances and dates to appear recent Incorrect and continuously changing payment history after charge-off Contradictory statuses ( charged-off, closed, past-due, 90 % paid simultaneously ) Improper remarks including repossession ; redeemed without factual basis This conduct is in direct violation of the Fair Credit Reporting Act. You are required to conduct a reasonable investigation and provide documentary proof, including : Proof of repossession ( tow order, auction records, surrender documentation ) The original Date of First Delinquency Payment history showing how postcharge-off delinquencies were calculated If you can not provide this documentation, you are legally obligated to DELETE this account in its entirety. Failure to comply will result in escalation to the CFPB, State Attorney General, and consideration of civil action. This is your opportunity to correct your records. DELETE THIS ACCOUNT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
I am formally disputing the inaccurate reporting of the following account on my credit file : Creditor : XXXX XXXX Account Type : Auto Loan Reported Status : Charge-off / Repossession ; Redeemed Current Issue : False repossession and inaccurate derogatory remarks This account is being reported with a repossession, which is 100 % false and never occurred. The information being furnished is inaccurate, unverified, and in violation of FCRA Section 602 ( A ) and FCRA Section 611. 
I am requesting an immediate reinvestigation and removal of ALL inaccurate information. If XXXX XXXX can not verify this with documentation, the account must be deleted. 
Sincerely, XXXX XXXX XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : FORMAL DISPUTE DEMAND FOR DELETION ( FCRA 611, 623, 605 ) This letter serves as a formal and aggressive dispute of the XXXXXXXX XXXX XXXXXXXX loan account being reported on my consumer credit file. The account is reporting false, misleading, and materially inaccurate information, including but not limited to : False reporting of a repossession that never occurred Illegal re-aging of the account by updating balances and dates to appear recent Incorrect and continuously changing payment history after charge-off Contradictory statuses ( charged-off, closed, past-due, 90 % paid simultaneously ) Improper remarks including repossession ; redeemed without factual basis This conduct is in direct violation of the Fair Credit Reporting Act. You are required to conduct a reasonable investigation and provide documentary proof, including : Proof of repossession ( tow order, auction records, surrender documentation ) The original Date of First Delinquency Payment history showing how postcharge-off delinquencies were calculated If you can not provide this documentation, you are legally obligated to DELETE this account in its entirety. Failure to comply will result in escalation to the CFPB, State Attorney General, and consideration of civil action. This is your opportunity to correct your records. DELETE THIS ACCOUNT 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 2025-12-15 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: NC

Complaint narrative:
I am formally disputing the inaccurate reporting of the following account on my credit file : Creditor : XXXX XXXX Account Type : Auto Loan Reported Status : Charge-off / Repossession ; Redeemed Current Issue : False repossession and inaccurate derogatory remarks This account is being reported with a repossession, which is 100 % false and never occurred. The information being furnished is inaccurate, unverified, and in violation of FCRA Section 602 ( A ) and FCRA Section 611. 
I am requesting an immediate reinvestigation and removal of ALL inaccurate information. If XXXX XXXX can not verify this with documentation, the account must be deleted. 
Sincerely, XXXX XXXX XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : FORMAL DISPUTE DEMAND FOR DELETION ( FCRA 611, 623, 605 ) This letter serves as a formal and aggressive dispute of the XXXXXXXX XXXX XXXXXXXX loan account being reported on my consumer credit file. The account is reporting false, misleading, and materially inaccurate information, including but not limited to : False reporting of a repossession that never occurred Illegal re-aging of the account by updating balances and dates to appear recent Incorrect and continuously changing payment history after charge-off Contradictory statuses ( charged-off, closed, past-due, 90 % paid simultaneously ) Improper remarks including repossession ; redeemed without factual basis This conduct is in direct violation of the Fair Credit Reporting Act. You are required to conduct a reasonable investigation and provide documentary proof, including : Proof of repossession ( tow order, auction records, surrender documentation ) The original Date of First Delinquency Payment history showing how postcharge-off delinquencies were calculated If you can not provide this documentation, you are legally obligated to DELETE this account in its entirety. Failure to comply will result in escalation to the CFPB, State Attorney General, and consideration of civil action. This is your opportunity to correct your records. DELETE THIS ACCOUNT 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 non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I opened a new BMO XXXX XXXX Credit Card with BMO XXXX ( formerly BMO Harris XXXX ) on XX/XX/year>. When signing up, according to the terms of the credit card, XXXX of the promotional offers was " Get XXXX bonus points when you spend {$5000.00} in your first XXXX months of account opening. '' I received an email on XX/XX/year> - attached - confirming the details of this offer. 

I met the conditions of this offer, and was told by various customer service representatives that the bonus points would be credited after the fourth statement would be generated on XX/XX/year>. XX/XX/XXXX came and passed and no such bonus points were awarded. 

I launched an official complaint with XXXX XXXX on XX/XX/year>, then escalated it further with XXXX XXXX on XXXX XXXXXXXX XXXX On every contact with BMO customer service I was told that I would receive a resolution within XXXX business days. I have even sent customer service a copy of BMO 's offer email so they can verify the email themselves. Whenever I am able to reach customer service, I am simply told that the issue has been " escalated '' but I am never provided a turnaround time even when I insist.

It appears BMO has mothballed my complaint and has no intention of honoring the terms of the promotional offer as stated in the email, leaving me no choice but to reach out to CFPB for help.

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 2025-12-15 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: MI

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

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 2025-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I pulled my credit report and saw an account. I didnt recognize and never signed any information with. I dont recognize this company or the account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX balance {$0.00} XXXX XXXX XXXX XXXX XXXX balance {$1400.00} XXXX XXXX XXXX balance {$830.00} XXXX XXXXXXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$570.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX balance {$680.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX balance {$2700.00} XXXX XX/XX/year>

Company response to consumer: Closed with explanation