vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Acima violated laws under sections 1036 ( a ) and 1054 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) and 5564 ; section 108 ( a ) of TILA, 15 U.S.C. 1607 ( a ), and its implementing Regulation Z, 12 C.F.R. part 1026 ; section 918 ( a ) of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 16930 ( a ) ( 5 ), and its implementing Regulation E, 12 C.F.R. part 1005 ; and section 621 ( b ) ( 1 ) ( H ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681s ( b ) ( 1 ) ( H ), and its implementing Regulation V, 12 C.F.R. part 1022, to stop unlawful conduct, to rescind or reform the terms of Acima 's agreements with consumers, to obtain redress for affected consumers and an appropriate penalty, and to obtain all other appropriate relief. Shortly after signing agreement with Acima, I tried returning the leased item that I received broken and was told request was unable to process. Acima misled me and many consumers to believe they would be able to return items. They also continued to charge me an extreme amount of falsified penalties that eventually was submitted to my credit report and affected my credit. Account is now showing on my credit file as XXXX  balance of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

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 2025-02-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

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 2025-02-11 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: NY

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : Hard Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : Hard Inquiries : 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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IA

Complaint narrative:
On XX/XX/XXXX, I submitted my income recertification for my income driven repayment plan ( PAYE ). This is submitted on studentaid.gov and then they immediately forward it to your loan servicer for them to process. I did the recommended method which is giving them access to your tax returns and tax information so they stated this should work quickly/smoothly. Studentaid.gov immediately forwarded my income recertification to Mohela on XX/XX/XXXX. Since that time, Mohela 's status of my income recertification simply says " In Review ''. In the meantime, they are sending me a bill that will be due XX/XX/XXXX for the full loan amount, not the income driven repayment/PAYE amount. I obviously can not afford this. When I try to contact or call Mohela, they either put me on hold for XXXX hours or give me the run around, or hang up. They have yet to answer these XXXX questions for me : XXXX ) How long will it take for them to process my income recertification? They have access to my income tax returns so it should be pretty simple XXXX ) If you can not get this processed by XX/XX/XXXX, could you please put my loans in forbearance until you are able to process it? I can not pay the full amount and this is certainly not my fault since I submitted the recertification application XXXX months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and XX/XX/year> I have disputed FDCPA violations that XXXX XXXX  has reported on my consumer report. The violations are 15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] 15USC 1692 ( g ) b. I have requested XXXX to cease and desist all communications and to correct inaccurate reporting. XXXXXXXX XXXX has stated Please be advised that we can not effect a change to how any other company may have listed the above account on your credit profile. It seems like XXXX system is stating that they have no part in reporting of this inaccurate account. I have attached their response to this compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for failing to update and correct my personal information as required by the Fair Credit Reporting Act ( FCRA ). 

Despite my multiple requests, these credit bureaus continue to report inaccurate addresses and employment history, which I never provided or no longer reside at. This misinformation is affecting my ability to secure credit and causes unnecessary confusion when lenders attempt to verify my identity. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681b ( a ) Credit reporting agencies are only allowed to report information with a permissible purpose. These outdated and inaccurate addresses do not serve a permissible purpose and must be removed. 
15 USC 1681c ( a ) ( 5 ) Obsolete personal information should not remain on my credit report. 
15 USC 1681i ( a ) ( 1 ) ( A ) Credit bureaus are required to conduct a reasonable investigation when a consumer disputes inaccurate information. My previous disputes have either been ignored or not properly investigated. 
15 USC 1681e ( b ) Failure to maintain maximum possible accuracy in my credit file. 
Requested Resolution : I formally request the immediate deletion of all outdated and incorrect personal information from my credit report. The only correct personal information that should be reported is : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Any other addresses, names ( including " XXXX XXXX XXXX '' ), or employment history listed on my credit report must be removed immediately as they are inaccurate and outdated. 

I have attached supporting documentation, including a copy of my government-issued ID and proof of my current address. I request that the CFPB ensures compliance with the FCRA and holds the credit bureaus accountable for failing to maintain accurate consumer records. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for failing to update and correct my personal information as required by the Fair Credit Reporting Act ( FCRA ). 

Despite my multiple requests, these credit bureaus continue to report inaccurate addresses and employment history, which I never provided or no longer reside at. This misinformation is affecting my ability to secure credit and causes unnecessary confusion when lenders attempt to verify my identity. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681b ( a ) Credit reporting agencies are only allowed to report information with a permissible purpose. These outdated and inaccurate addresses do not serve a permissible purpose and must be removed. 
15 USC 1681c ( a ) ( 5 ) Obsolete personal information should not remain on my credit report. 
15 USC 1681i ( a ) ( 1 ) ( A ) Credit bureaus are required to conduct a reasonable investigation when a consumer disputes inaccurate information. My previous disputes have either been ignored or not properly investigated. 
15 USC 1681e ( b ) Failure to maintain maximum possible accuracy in my credit file. 
Requested Resolution : I formally request the immediate deletion of all outdated and incorrect personal information from my credit report. The only correct personal information that should be reported is : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Any other addresses, names ( including " XXXX XXXX XXXX '' ), or employment history listed on my credit report must be removed immediately as they are inaccurate and outdated. 

I have attached supporting documentation, including a copy of my government-issued ID and proof of my current address. I request that the CFPB ensures compliance with the FCRA and holds the credit bureaus accountable for failing to maintain accurate consumer records. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
My vehicle was declared a total loss on XX/XX/XXXX after an accident. I was in regular contact with XXXX XXXX, the dealership where I purchased the car, expecting my warranty to be waived and my loan balance to be updated accordingly. 

Despite this, XXXX XXXX incorrectly reported late payments on my credit report for XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX  days late ), and XX/XX/XXXX ( XXXX days late ). 

Key Facts of the Issue : XXXX. On XX/XX/XXXX, I made my final scheduled car payment. After that, I completed all required paperwork and steps related to my total loss by late XX/XX/XXXX. At that point, I was under the impression that my loan balance would be adjusted accordingly, and no further payments were necessary. 
XXXX. XXXX XXXX did not process the warranty cancellation until XX/XX/XXXX, leaving an incorrect outstanding balance on my loan for months. 
XXXX. XXXX XXXX did not contact XXXX XXXX until XX/XX/XXXX, despite the total loss being reported in XXXX. 
XXXX. The final payment was sent from XXXX XXXX to XXXX XXXX on XX/XX/XXXX, clearing my account. 
XXXX. Despite this, XXXX XXXX reported late payments to the credit bureaus, damaging my credit score. 

This was not a failure to pay on my part. It was a processing delay between XXXX XXXX and XXXX XXXX. If the warranty had been waived promptly in XXXX or XXXX, my balance would have been adjusted correctly, and no late payments should have been reported. 

Requested Resolution : - Immediately remove the late payment marks for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
- Ensure my credit history is updated correctly to reflect on-time payments. 
- Provide written confirmation that the incorrect late payments have been removed from all three major credit bureaus ( Experian, XXXX, XXXX ). 

I have already attempted to resolve this issue directly with XXXX XXXX, but they have refused to correct the inaccurate reporting. If this issue is not resolved promptly, I will escalate further. 

The confirmation of XXXX XXXX 's outreach to XXXX XXXX on XX/XX/XXXX and XXXX XXXX processing on XX/XX/XXXX was provided verbally in phone conversations with both companies. I request that XXXX XXXX review its internal records of customer interactions to verify this information. 

Attached Documents for Proof : - Proof of total loss date ( XX/XX/XXXX ). 
- Proof of my XX/XX/XXXX payment. 
- Proof of a {$0.00} account balance with XXXX XXXX This issue has caused unfair financial harm, and I expect immediate corrective action.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My vehicle was declared a total loss on XX/XX/XXXX after an accident. I was in regular contact with XXXX XXXX, the dealership where I purchased the car, expecting my warranty to be waived and my loan balance to be updated accordingly. 

Despite this, XXXX XXXX incorrectly reported late payments on my credit report for XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 60 days late ). 

Key Facts of the Issue : 1. On XX/XX/XXXX, I made my final scheduled car payment. After that, I completed all required paperwork and steps related to my total loss by late XX/XX/XXXX. At that point, I was under the impression that my loan balance would be adjusted accordingly, and no further payments were necessary. 
2. XXXX XXXX did not process the warranty cancellation until XX/XX/XXXX, leaving an incorrect outstanding balance on my loan for months. 
3. XXXX XXXX did not contact XXXX XXXX until XX/XX/XXXX, despite the total loss being reported in XXXX. 
4. The final payment was sent from XXXX XXXX to XXXX XXXX on XX/XX/XXXX, clearing my account. 
5. Despite this, XXXX XXXX reported late payments to the credit bureaus, damaging my credit score. 

This was not a failure to pay on my part. It was a processing delay between XXXX XXXX and XXXX XXXX. If the warranty had been waived promptly in XXXX or XXXX, my balance would have been adjusted correctly, and no late payments should have been reported. 

Requested Resolution : - Immediately remove the late payment marks for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
- Ensure my credit history is updated correctly to reflect on-time payments. 
- Provide written confirmation that the incorrect late payments have been removed from all three major credit bureaus ( XXXX, Equifax, XXXX ). 

I have already attempted to resolve this issue directly with XXXX XXXX, but they have refused to correct the inaccurate reporting. If this issue is not resolved promptly, I will escalate further. 

The confirmation of XXXX XXXX 's outreach to XXXX XXXX on XX/XX/XXXX and XXXX XXXX processing on XX/XX/XXXX was provided verbally in phone conversations with both companies. I request that XXXX XXXX review its internal records of customer interactions to verify this information. 

Attached Documents for Proof : - Proof of total loss date ( XX/XX/XXXX ). 
- Proof of my XX/XX/XXXX payment. 
- Proof of a {$0.00} account balance with XXXX XXXX This issue has caused unfair financial harm, and I expect immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
My vehicle was declared a total loss on XX/XX/XXXX after an accident. I was in regular contact with XXXX XXXX, the dealership where I purchased the car, expecting my warranty to be waived and my loan balance to be updated accordingly. 

Despite this, XXXX XXXX incorrectly reported late payments on my credit report for XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 60 days late ). 

Key Facts of the Issue : 1. On XX/XX/XXXX, I made my final scheduled car payment. After that, I completed all required paperwork and steps related to my total loss by late XX/XX/XXXX. At that point, I was under the impression that my loan balance would be adjusted accordingly, and no further payments were necessary. 
2. XXXX XXXX did not process the warranty cancellation until XX/XX/XXXX, leaving an incorrect outstanding balance on my loan for months. 
3. XXXX XXXX did not contact XXXX XXXX until XX/XX/XXXX, despite the total loss being reported in XXXX. 
4. The final payment was sent from XXXX XXXX to XXXX XXXX on XX/XX/XXXX, clearing my account. 
5. Despite this, XXXX XXXX reported late payments to the credit bureaus, damaging my credit score. 

This was not a failure to pay on my part. It was a processing delay between XXXX XXXX and XXXX XXXX. If the warranty had been waived promptly in XXXX or XXXX, my balance would have been adjusted correctly, and no late payments should have been reported. 

Requested Resolution : - Immediately remove the late payment marks for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
- Ensure my credit history is updated correctly to reflect on-time payments. 
- Provide written confirmation that the incorrect late payments have been removed from all three major credit bureaus ( XXXX, XXXX, TransUnion ). 

I have already attempted to resolve this issue directly with XXXX XXXX, but they have refused to correct the inaccurate reporting. If this issue is not resolved promptly, I will escalate further. 

The confirmation of XXXX XXXX 's outreach to XXXX XXXX on XX/XX/XXXX and XXXX XXXX processing on XX/XX/XXXX was provided verbally in phone conversations with both companies. I request that XXXX XXXX review its internal records of customer interactions to verify this information. 

Attached Documents for Proof : - Proof of total loss date ( XX/XX/XXXX ). 
- Proof of my XX/XX/XXXX payment. 
- Proof of a {$0.00} account balance with XXXX XXXX This issue has caused unfair financial harm, and I expect immediate corrective action.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I'm writing to express my deep concern about the lack of my credit information from your bureau. As a careful customer who regularly examines their credit profile, I am concerned about the recent discovery that crucial information appears to be missing from your records. Despite my proactive approach to managing my finances and making timely payments on all accounts, I have faced major challenges as a result of the absence of my credit data from your bureau. This has not only caused annoyance, but it has also left me in a hazardous position, particularly in light of recent financial transactions and loan applications. I have made repeated attempts to resolve this issue through your customer support channels, but the process has been lengthy and inefficient. As a result, I am experiencing unnecessary obstacles to receiving crucial financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clear Recovery, Inc.
State: TX

Complaint narrative:
I had XXXX to repair an XXXX XXXX in XXXX of XXXX. I had to go to the XXXX  a few days later because I couldn't have a XXXX XXXX  after three days, which is dangerous. The XXXX  staff dismissed what I told them and kept me there for over SIX HOURS. Their XXXX XXXX XXXXXXXX was giving me medical advice without a medical license. Their staff is inept. They knowingly and willingly kept me at the hospital all of those hours to rack up charges. They did nothing to help me but tell me to get some XXXX XXXX, and sent me home. TOTAL FRAUD. They defrauded my work insurance, and I fought this bogus charge for months. Now they want me to pay for their fraud? My work insurance paid the bulk of their fraudulent charges. I contacted Clear Recovery , Inc. and told them I do not have a contract with them, and if they put this on my credit, especially since this is a fraudulent charge, they would be in violation of the FCRA. I want them to leave me alone. I do not owe this fraudulent debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation