vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are unacceptable.

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 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I requested a goodwill adjustment for loan XXXX. On XX/XX/year>, a phone representative verbally told me the adjustment was approved. 

When I called back on XX/XX/year>, I was told Affirm does not provide goodwill adjustments and that no action had been taken. I never received anything in writing. 

I have tried multiple times to resolve this with Affirm via phone and chat, but I continue to receive contradictory information. This has left me unable to rely on Affirms statements and has negatively affected my expectations regarding my credit reporting. 

I am requesting clarification and correction, including a review of the verbal approval and the possibility of applying the promised goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Credit Card company was given a new bank account for payments to be withdrawn on XX/XX/25. This is documented online. The company took out the funds from the new bank account but now has the account RESTRICTED because they need to verify the account. They took a payment of {$450.00} which was through the new bank account. The XXXX payment was {$4500.00} and that was taken out of the new bank account which then put a RESTRICTION ON THE CREDIT CARD. We have spoken to at least XXXX individuals from the XXXX and the XXXX XXXX  with no resolve. We have submitted documents and they want a full bank statement which CAN NOT BE PROVIDED because the bank account is XXXX weeks new and there is no monthly statement. We have submitted documentation of the new bank account to prove ownership. The United States individual tried to call the new bank on a Saturday and no one was available on XX/XX/25. After this call, the credit card became RESTRICTED even though Capital One has taken the money out of the account! Capital One says that the " manager '' from the XXXX XXXX is the last line to contact and it can not be escalated because the " manager '' has no access to the account because it is RESTRICTED. Therefore, the computer is dictating what is happening to my account. I have a payment on another card due on XX/XX/25 and it is with the same new bank account where the funds will be withdrawn. I asked them to provide documentation that this account will not be RESTRICTED because the new bank account has not been verified and the answer was NO, THEY WILL NOT PUT ANYTHING IN WRITING and if I do not pay, I will be charged a late fee and it will go against my credit score. Capital One " managers '' are reading from a script and will not escalate the call because we can not provide a monthly statement to give because there is NONE to give because it is a new account. They will not send any emails for us to submit other records, which according to them, the computer will not accept and there is no HUMAN who can override the request. What am I supposed to do at this point? The same person from Capital One who is the " manager '' from the XXXX XXXX was not able to help us at all today on XX/XX/25. She spoke to both me and my husband on XXXX different times today. I guess there is one " manager '' in the XXXX who manages the entire country and can not help us with this situation where my card is paid, Money was taken from the new account, yet my card is RESTRICTED and they will not lift it without a monthly bank statement. HOW IS THIS EVEN HAPPENING?!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint against Equifax for reporting an unauthorized inquiry on my credit report. I did not give consent for this inquiry to be reported, nor was I notified of its presence. The inquiry in question is : XXXX - XX/XX/year>. Under 15 U.S.C. 1681b ( f ), it is unlawful for anyone to report or post anything on my credit file without my authorization. Despite disputing this inquiry, it remains on my report, violating my rights under the FCRA. I request the immediate removal of this unauthorized inquiry from my credit file. Notice is hereby provided to the furnisher that I did not authorize this inquiry to be posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I called on multiple occasions to lower my payment and disperse my reoccurring overdue balance of {$470.00}. I originally was behind due to a car repair that cost {$1400.00} for a belt replacement. Then after the government shut down occurred I asked for an extension/ payment disbursement so i can refrain this debt being reported to the credit bureaus because I am struggling to keep up with my original car payment and my overdue balance of {$470.00} but I am continuously denied assistance. An Agency specialisXXXX XXXX XXXX reached out to me on XX/XX/XXXX via email and left a voicemail. I called back on XX/XX/XXXX and received no response. I have been emailing and calling ( leaving voicemails ), and I haven't received a call or email back at all. It is now XX/XX/XXXX and I have called over XXXX  times and emailed twice to receive assistance, and no one answers my calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SIMM Associates, Inc.
State: MI

Complaint narrative:
I am being harassed by SIMM Associates , Inc., a debt collector located at XXXX XXXX XXXX XXXX XXXX, DE. They continue contacting me via text messages about a supposed debt, even though : 1. I informed them in writing that my federal student loans are in the Total and Permanent Disability ( TPD ) discharge process. 2. I also verbally instructed them, on their recorded phone line, to cease communication. Despite that, SIMM Associates has not stoppe
d. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), including : 805 ( c ) ( continuing communication after a written request ) 806 ( harassment ) I am requesting that the CFPB investigate SIMM Associates behavior, require them to correct their conduct, and prevent further unlawful contact.

I can provide documentation, including : Copies of my written notice to them A log of the times/dates of their texts Proof of my TPD status Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: AK

Complaint narrative:
My loan servicer, EdFinancial, submitted a credit reporting correction to all three credit bureaus. Both XXXX XXXX XXXX  have already updated the information correctly. XXXX has not updated the account, even though the correction was submitted at the same time to all XXXX  bureaus. 

I contacted XXXX  through their customer service chat on XX/XX/year>, and the representative did not address my questions, provided no explanation for the delay, and did not offer instructions on how to resolve the issue. The chat was ended without assistance or next steps. As a result, my report remains inaccurate, and this delay is affecting my ability to proceed with important financial matters. What I have already done : Confirmed with EdFinancial that the corrected information was sent to XXXX. 
Requested an update from XXXX. 
Provided all necessary details about the corrected account. 
Verified that both XXXX XXXX XXXX  successfully processed the same update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C. 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may been generated as result of a data breach, In which my personal information was compromised. I did not authorize the creation of this accounts or any associated transaction. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been complete. I understand that the fair credit reporting act, you are required to complete your investigation and respond within 30 days. 

PLEASE REMOVE ALL FRAUDULENT ITEMS OFF 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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This complaint is entirely legitimate and requires immediate attention. My credit report includes inaccurate information that does not meet the mandatory standard of maximum possible accuracy. 
These errors are causing severe and ongoing harm to my life, and I demand that they be thoroughly investigated and either corrected or deleted without any further delay.

Resolving this issue is not just necessaryit is absolutely critical.

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 2025-11-19 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: LEXISNEXIS
State: TN

Complaint narrative:
I contacted the CFPB yesterday and spoke to them extensively when we came across a letter to XXXX XXXX XXXX in complaint number XXXX. They need to respond to me and to my home address by XXXX Mail. 

Instead, they addressed this letter to the woman that lives in the state of XXXX, but mailed it to me at my hm address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Do not comingle us!!!!! This is my address and my name is XXXX XXXX XXXX. I have a XXXX XXXX  This letter is addressed to a completely different person. I attached it below. She lives at XXXX XXXX XXXX XXXX XXXX her phone numbers XXXX and XXXX. This person is not me!!!!!!! Her maiden name is XXXX. The police reports that i filed in XXXX XXXXXXXX XXXX and the one for XXXX XXXX was provided to your offices multiple times as your offices mixed me and the other person up in addition to mixing us up with XXXX XXXX who is also not me. 

i need the live electronic inspection of my records at Lexis Nexis in XXXX, as they decided to step into XXXX and are bound by XXXX laws and HIPAA too. I need to come in and sit with your director or your attorney to get my account straightened out. 

Go to XXXX XXXX XXXX XXXX XXXX  XXXX and you will see all my complaints caused and contributed by Lexis nexis mixing us up. I am the XXXX XXXX In the fall in XX/XX/year>, i sent the CFPB a certified mail with all my emails to Lexis nexis. They even have my driver 's license. they are obverlaying our information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: InDebted Corporation
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the debt your company is attempting to collect. I do not owe this debt. I am a victim of XXXX  XXXX, and any accounts or debts that may have been opened or incurred in my name during that period are fraudulent and unauthorized.

Under the Debt Bondage Repair Act and the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX  protections, victims have the right to block fraudulent debts and prevent collection activities on debts resulting from XXXX. I am invoking my rights under these federal protections.

I request the following : 1. Immediate cessation of all collection activities related to this alleged debt.

2. Verification and documentation of the debt, including any contracts, applications, signatures, and identifying information associated with the account.

3. Removal of this fraudulent debt from your records and notification to any third parties to whom you have reported it. 
I can provide documentation of my XXXX XXXX status upon request and as permitted by federal law.Please confirm in writing that this matter has been resolved and that no further contact will be made regarding this fraudulent debt. 
Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my XXXX XXXX, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX SELFREPORTED XXXX, XX/XX/XXXX, {$4.00} XXXX SELFREPORTED XXXX, XX/XX/XXXX, {$17.00} XXXX SELFREPORTED XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/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 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings
State: OK

Complaint narrative:
I made a complaint against Zion Debt company on XX/XX/year> Complaint # XXXX. Zion Debt company is still sending me text messages informing me that if I pay the debt in full that they will do a full deletion from the credit bureaus. They say they purchased the debt from just energy which I think is a utility company. The crazy thing is I have never had an account with just energy ; I actually tried to log in to them with the only email I use and nothing. Zion debt needs to validate this debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
I contacted TransUnion directly and requested written verification for each of the disputed inquiries, including : the permissible purpose for the pull, the name of the company that initiated it, the method in which authorization was supposedly obtained, and any supporting documents demonstrating my consent. 

Despite multiple attempts, TransUnion failed to provide the required written documentation proving that these companies had a permissible purpose under the Fair Credit Reporting Act ( FCRA ). Instead of producing verification, TransUnion continued to report the inquiries without justification. 

The Inquiries are as follows XXXX on XXXX XXXX XXXX XXXX XXXX  on XX/XX/year>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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: OH

Complaint narrative:
In 2025, my auto loan was transferred from XXXX XXXX XXXXXXXX XXXX XXXX Westlake Portfolio Management. I experienced financial and medical hardship and requested payment assistance several times. Westlake did not offer any hardship, payment extension, or relief options. 

My vehicle was repossessed, and I received a written notice stating that I could prevent the sale if I paid {$1500.00}. After the repossession, I repeatedly requested the sale results, the auction date, and a breakdown of the deficiency balance. Westlake has stated that they can not determine the remaining balance owed until the sale is finalized, but they have provided no documentation showing the sale, the price received, or the calculations for any remaining amount. 

I also asked for an itemized list of all fees and charges applied to the account. They added repeated late fees, interest accrual, and repossession-related charges, and they have not explained or justified these amounts. 

Westlake stated in writing that they do not offer any loan forgiveness program, even in situations involving severe hardship. I have tried working with the company and have communicated through email, the Ohio Attorney General, and the CFPB, but I still have not received the required information showing how the remaining balance was calculated after repossession and sale.

I am filing this complaint because Westlake has not provided the deficiency balance, has not documented the sale, and has not explained the charges, leaving me unable to verify the accuracy of the amount they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
RE : CFPB # XXXX & XXXX Pennymac 's response to the 2nd fraudulent 1099-C doesn't seem to be factual.

They claim to have sent me the 1st fraudulent 1099-C on XX/XX/XXXX.... this is the one that was over XXXX. They then decided that the 1st fraudulent 1099-C was way too obviously fraudulent, so they substituted it for the 2nd one, for a less obviously fraudulent amount of {$12000.00}.

What Pennymac neglects to state, is that while they had supposedly sent me the first fraudulent 1099-C, we were actually in court. Our first in-person court date was XX/XX/XXXX and the settlement conference was XX/XX/XXXX. On XX/XX/XXXX Pennmac also issued an XXXX  Overage Check ( using their own calculations ). Not mine.

During the settlement discussions, Pennymac 's lawyer offered me XXXX  in restitution and a nondisclosure agreement. I declined.

Pennymac 's lawyer also signed a Stipulation of Discontinuance stating that " all claims asserted in this matter by Plaintiff are discontinued with prejudice '' and further " without costs or fees to either party. '' If Pennymac claims to have had financial damages, it should have been handled in court, through proper legal channels. There is no excuse for them not to have submitted claims to the court.

If I had actually received a 1099-C from Pennymac, I would have immediately forwarded it onto my lawyer. I only found out about this 1099-C was when I was trying to file my taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: ID

Complaint narrative:
Today XX/XX/XXXX I am trying to get my debts in order to start paying on. I called Nationwide Capital Services, also known as XXXX XXXX, to request a debt verification letter. She said she would put in a request but she said one got sent in an email in XXXX with this information. I told her ok well I would like a new letter sent to my address. She said she will put in a request but sometimes they don't go though, and that I was already sent one in the past anyway. I told her again that I want a debt verification letter sent to my current address and that they are required by law to send it. She said " ok hold on '' and then hung up on me.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief