vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I am filing this complaint regarding XXXX  failure to ensure maximum possible accuracy and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) after I formally disputed the continued reporting of a paid collection account. 

On XX/XX/year>, I submitted a written dispute to XXXX  concerning a collection tradeline reported by CAINE WEINER, with PROGRESSIVE listed as the original creditor ( Account No. XXXX ). The account is reported as a collection that has been paid and closed, with a XXXX balance. In my dispute, I challenged the accuracy, completeness, and continued necessity of reporting this collection as a derogatory tradeline now that the obligation has been satisfied. I also requested verification of the alleged debt, including the dates of default and the basis for continued negative reporting. 

Despite this notice, the collection tradeline continues to appear on my XXXX  credit report as a derogatory item without clear documentation showing a lawful and accurate basis for continued reporting after payment. Ongoing reporting of a paid collection, without clear and complete verification of the debt and its reporting status, is misleading to users of my credit report and does not clearly reflect the current status of the account. 

Under 15 U.S.C. 1681i ( a ), XXXX  is required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their credit file. Under 15 U.S.C. 1681e ( b ), XXXX  must follow reasonable procedures to assure maximum possible accuracy. Upon notice of a dispute, the furnisher and collection agency, CAINE WEINER, is also required under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and correct or delete information that can not be verified.

The continued reporting of this paid collection, without clear verification of the debt, the dates of default, and a lawful basis for continued derogatory reporting, indicates that the disputed information has not been properly reinvestigated. Reporting a satisfied obligation as a negative collection entry is materially misleading and fails to meet the FCRAs accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
My loan transferred from XXXX XXXX, and I had a fully executed modification agreement after a trial period under the VA XXXX modification, granted on XX/XX/year>. ( I paid {$2200.00} a month from XXXX to XX/XX/year> ). In XXXX, I received a fully executed modification from XXXX, and my new payments were set to begin on XXXX XX/XX/year> in the amount of XXXX. My account was transferred from XXXX to BSI in XXXX. BSI listed my loan as in default and required me to sign another modification agreement. 

BSI instructed me that they needed to review the documents, which occurred, and the agreement was re-signed and supposedly honored ( I thought we were good ). 

I was supposed to begin making my new payments with BSI in XXXX. I have paid the new loan amount indicated in the BSI agreement for XXXX and XXXX. The issue is that my account is not showing current ; I have a notice of intent dated for XXXX, and I owe roughly {$14000.00} immediately. Please tell me what I have to do to bring my account current under the modification agreements that we signed. Also, it appears that my payments have been applied to my account. I am trying to keep my home. I am a XXXX XXXX Veteran who is 100 % XXXX, and this process is making it very hard to manage. I have done everything XXXX and BSI have asked me to do, and I do not know what else to do. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: General Motors Financial Company, Inc.
State: OR

Complaint narrative:
I called GM Financial to ask for an extension for late payments. The agent got a managers approval to make an exception and move 3 late payments to end of contract.

To complete this the agent request a fee of XXXX to be paid. I paid the fee and felt better. Days went by and still show as late payments. 

I called the GM Financial Manager and he calmly told me that previous manager had told me the wrong facts. So after weeks of complaining about deceitful business practices, I finally relinquished the car.

Now, I get a letter of their intent to sell. The letter begins with how I broke promises. However, GM Financial broke promises and lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, Coinbase restricted my account without prior notice and froze approximately {$11000.00} worth of XXXX. Due to market fluctuations, the value of the frozen XXXX has since decreased to approximately {$8000.00}. 

At the time of the restriction, I had an active loan on the Coinbase platform that is collateralized by XXXX held in my account. Because of the account restriction, I have been unable to access my account to make loan payments. As a result, the loan has continued to accrue interest, increasing my financial loss. 

I contacted Coinbase customer support multiple times requesting an explanation for the restriction, access to my account so I could manage my loan, and a timeline for resolution. Coinbase has refused to disclose the reason for the restriction and has provided only automated or generic responses. 

Coinbase support explicitly stated that the account restriction would be automatically lifted on XX/XX/year>. That date has passed, and the restriction remains in place with no resolution. 

Coinbase has also indicated that they are unlikely to refund the interest or losses caused by my inability to access my account, despite the restriction being imposed by Coinbase and outside of my control.

As a result of Coinbases actions, my funds were not available when promised, I was prevented from managing a collateralized loan,
and I have suffered financial harm.

I am requesting that Coinbase immediately restore full access to my account, allow me to manage or close the loan, stop additional interest accrual caused by the restriction, and compensate me for the financial losses resulting from Coinbases failure to provide access or a timely resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PREFERRED CREDIT INC
State: CA

Complaint narrative:
This letter concerns a fire protection product that I purchased from a seller on XX/XX/XXXX, for a total price of {$2000.00}. The purchase was financed through a promotional plan with zero APR, payable in XXXX XXXX monthly installments. 

In XX/XX/XXXX, I was unable to make a payment due to the death of my mother. As a result, the seller or financing company forfeited the zero-APR promotional agreement. Since then, I have continued making the XXXX XXXX monthly payments, and I am still being charged under the revised terms. 

I have contacted the credit company, PCI, to request a clear explanation of how the promotional terms were forfeited and how my current balance and interest have been calculated. However, to date, I have not received a clear or satisfactory explanation. 

I am requesting a detailed breakdown of my account, including the forfeiture of the zero-APR promotion and the current payment structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I am filing this complaint regarding XXXX failure to ensure maximum possible accuracy and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) after I formally disputed inaccurate and internally inconsistent information reported for an ALLY FINANCIAL auto-loan tradeline. 

On XX/XX/year>, I submitted a detailed written dispute to XXXX concerning the ALLY FINANCIAL auto loan account ending in XXXX. In that dispute, I identified specific inaccuracies and inconsistencies in the reporting of the account, including the current balance, past-due amount, charge-off amount, payment history, and narrative codes. According to my XXXX credit file, the account is reported as charged off with a charge-off amount of approximately {$14000.00}, while simultaneously reporting a remaining balance and past-due amount of approximately {$10000.00}. The 24-month history reflects a mix of CO codes and multiple delinquency codes, while the balance history shows a fixed balance for an extended period that does not clearly reconcile with the reported charge-off and prior payment activity.

Despite this dispute and supporting documentation, the tradeline continues to be reported in a manner that is internally inconsistent and misleading. The XXXX report does not clearly explain how the charge-off amount, remaining balance, and past-due status were calculated, how payments were applied, or whether any repossession, sale of collateral, or cancellation-of-debt activity occurred. This lack of reconciliation raises serious concerns about whether the reported information reflects a lawful and accurate accounting of the obligation.

Under 15 U.S.C. 1681i ( a ), XXXX is required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their credit file. Under 15 U.S.C. 1681e ( b ), XXXX must follow reasonable procedures to assure maximum possible accuracy. Upon notice of a dispute, the furnisher, ALLY FINANCIAL, is also obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and correct or delete information that can not be verified.

The continued reporting of conflicting balances, charge-off figures, past-due amounts, and delinquency codes indicates that the disputed information has not been properly verified or reconciled. Reporting internally inconsistent auto-loan data is materially misleading and does not meet the FCRAs accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: MI

Complaint narrative:
I am filing this complaint to report data breach and subsequent misuse of my personal information. My personal and/or financial information was compromised due to inadequate data security practices by the responsible entity. As a result, my information was accessed and used without my authorization. 

Following the breach, unauthorized activity occurred involving my personal data, including fraudulent transactions and/or account misuse. I did not give consent for my information to be accessed, shared, or used in this manner. 

This incident has caused financial loss, disruption of my accounts, time loss, emotional distress, and required corrective actions to secure my identity. I believe the responsible party failed to implement reasonable safeguards to protect sensitive consumer data and failed to prevent unauthorized access. 

I am requesting that the Federal Trade Commission document this incident, investigate the data security practices involved, and take appropriate enforcement action to prevent further harm to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: Chime Financial Inc
State: MO

Complaint narrative:
XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an XXXX XXXX XXXX doesnt have any transactions from my debit card. I chatted with them and in the chat said has no records. 

Chime bank denied my claim to get my money refunded back to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint regarding PayPals handling of a dispute involving a fraudulent transaction. 

I purchased a large solar inverter through XXXX and paid via PayPal. The item description clearly states the inverter weighs approximately 71 lbs and is bulky in size. The seller provided a USPS tracking number, and my case was initially denied by PayPal because the tracking showed Delivered. I initially understood this denial, assuming it was an automatic decision based solely on delivery status.

However, I did not receive the item. I then went in person to the local USPS post office and spoke directly with the Postmaster. USPS provided official documentation showing that the package associated with the sellers tracking number was delivered to a completely different address, not my business address. The USPS documents also show the package weighed only 1 lb 6.8 oz, which does not match the 71-lb item described in the listing.

After obtaining this proof, I contacted PayPal again and provided the official USPS documents. A PayPal representative reviewed the evidence, reopened the case, and confirmed it would be reviewed by a human agent. 

Despite this, approximately 36 hours later I received another automated email stating that my case was denied again, citing only that tracking confirms the merchandise was delivered. This decision ignores the USPS documentation proving the package was delivered to the wrong address and that the shipment weight and size do not match the purchased item. 

In summary, PayPal denied my dispute twice while disregarding official carrier documentation that clearly proves non-delivery and fraudulent tracking. The decision was based solely on a generic delivery status, not on whether the item was delivered to my address or whether the shipment matched the purchased item.

I am requesting that PayPal be required to conduct a proper review of the evidence and reverse this incorrect decision. PayPals refusal to consider official USPS proof has resulted in a financial loss to me despite clear evidence of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian credit reporting wrong information not in synch with 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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC
State: KY

Complaint narrative:
I sent a written debt validation request and cease-communication notice to XXXX XXXX on XX/XX/year>. The letter was delivered on XX/XX/year>, and I have proof of delivery. 

Despite the cease-communication instruction, the company continued to contact me for the purpose of collecting the debt. On XX/XX/year>, I received an SMS message from them containing collection language, not validation. This contact occurred after they received my cease-communication request.

Why This Violates Federal Law : Under the FDCPA, once a consumer sends a written request to stop communication, a debt collector may only : 1. Provide the requested written validation, 2. Confirm they will cease communication, or 3. Notify of specific legal action.

They did none of the above. Instead, they sent a message seeking payment, which is a violation of 15 U.S.C. 1692c ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, would like to formally state that the account reported by XXXX XXXX under the account number ending in XXXX is not mine. I do not recall entering into any agreement or obligation with this company, nor have I received any valid notice or communication establishing this debt as legitimate. 
I strongly believe this account is being reported in error and may be the result of identity confusion or misreporting. I respectfully request that this account be removed from my credit file and that my credit report be updated to accurately reflect my credit history.

This statement is provided as part of my good faith effort to maintain a truthful and accurate credit profile.

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 2025-12-14 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:
FCRA Violations & Demand for Deletion Dept of Education / XXXX Accounts XXXX XXXXXXXX ( ALL ) To Whom It May Concern : Experian has confirmed that I am a victim of fraud. Please see the attached information. As it has been confirmed Im requesting the immediate removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: FL

Complaint narrative:
FCRA Violations & Demand for Deletion Dept of Education / XXXX Accounts XXXX XXXXXXXX ( ALL ) To Whom It May Concern : Experian has confirmed that I am a victim of fraud. Please see the attached information. As it has been confirmed Im requesting the immediate 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 2025-12-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NH

Complaint narrative:
I am disputing an alleged apartment-related debt being collected by National Credit Systems , Inc . 

The underlying landlord ( XXXX XXXX XXXX/ XXXX  ) provided an itemized final statement showing a balance of approximately {$100.00}. My signed lease authorizes only charges expressly listed in the lease and does not authorize open-ended or discretionary fees. The lease also limits any collection-related charges to those specifically provided for in the contract. 

National Credit Systems is attempting to collect {$340.00}, including {$240.00} labeled as additional charges or miscellaneous income. These charges are not authorized by the lease and have not been contractually justified. 

I timely disputed the debt in writing and requested validation, including proof of contractual authority for the additional charges. To date, National Credit Systems has not provided documentation showing that these charges are permitted under the lease. 

This alleged debt has already caused material consumer harm, including denial of a housing application, despite my having a strong credit profile ( XXXX ) and sufficient funds to pay the lawful balance. I am willing to promptly resolve the legitimate, contractually authorized amount once the balance is corrected. 

I am requesting that the collector : 1. Remove any charges not authorized by the lease, 2. Provide proper validation of the debt amount, and 3. Refrain from credit or tenant-screening reporting of any disputed or inflated amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I contacted Experian explaining there was several inquiries under my name. The agent obtained a copy of my credit profile and we went over the inquiries in question. The agent informed me I needed to file a complaint with the CFP to have these inquiries removed. The inquiries is listed 1. XXXX XXXX XXXX  : XXXX and XXXX 2.XXXX XXXX  : XXXX 3. CXXXX XXXX XXXX  : XXXX 4. XXXX XXXX XXXX  : XXXX 5. 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 2025-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied for a personal loan with Discover Loans and was subsequently denied. The denial letter, dated XX/XX/XXXX, explicitly stated the denial was based on the STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT, which was an account that was included in a prior bankruptcy filing ( Bankruptcy Filing Date : XX/XX/XXXX, which was over 13 years ago ). This information is obsolete and its use for an adverse action is an unfair practice that violates the spirit of the Fair Credit Reporting Act ( FCRA ). The FCRA restricts the reporting of bankruptcy information to a maximum of 10 years ( 15 U.S.C. 1681c ( a ) ( 1 ) ). Whether Discover Loans is relying on its own internal records or a credit report that incorrectly retains this information, using a 13-year-old bankruptcy as a reason for adverse action is a violation of the permissible reporting standards.

Company response to consumer: Closed with explanation