vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Date of Incident : XX/XX/XXXX Company Involved : OneMain Financial XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  Account Number : XXXX In XX/XX/XXXX, I entered into a loan agreement with OneMain Financial for {$6200.00} with a contract interest rate of 35.54 % and an XXXX of 35.99 %. At the time of signing, I was confused about the terms of the loan, and I believe OneMain failed to provide clear and conspicuous disclosures as required by the Truth in Lending Act ( TILA ). 

Specifically, the difference between the contract rate and the APRdue to additional feeswas not adequately explained, nor were the total finance charges and repayment amounts presented in a way I could understand before agreeing. I felt rushed into signing without a full grasp of the loans true cost, which has since ballooned due to the high APR. 

I contacted this office in XX/XX/XXXX to get a better understanding of the loan but was not met with adequate information or the ability to have documents sent to me. Over the last XXXX  months I was told that I had to speak with a customer service representative instead of their office which didn't make sense. 

Back in XXXX of XXXX I requested to delay payment in the loan and was met with having to have documents sent to me to be signed via docusign in which I don't have any copies of. These documents haven't been sent to me. 

Upon reviewing my loan agreement recently, I found that the TILA disclosure was either missing key details or buried in fine print, making it difficult to comprehend the total cost of credit. This lack of transparency left me unaware that I would end up paying an additional {$6700.00} over the term. I believe this violates XXXX requirement for clear, upfront disclosure of credit terms. 

Additionally, OneMain Financial has a documented history of misleading borrowers. In XX/XX/XXXX, the CFPB ordered OneMain to pay {$20.00} XXXX for deceptive practices, including failing to properly disclose terms and pushing unnecessary add-ons. As of XX/XX/XXXX, I'm unclear of the exact amount, however, it's well over {$6300.00} that I've paid, yet I continue to face demands for payment on what I believe is an unfairly presented debt. 

I request that the CFPB investigate OneMain Financial for violating the Truth in Lending Act by failing to provide clear and conspicuous disclosures in my XX/XX/XXXX loan agreement. I seek cancellation of the remaining loan balance due to these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank without warning or notifying me they blocked all my account again, and putting it for a review. They refuse to disclose as to why nor will they release my funds. They told me any electronic payments made will bounce. 
They wont even allow me to log in to the account to see any transactions. This is the SECOND time in about a year that they froze my accounts for more than a week. ( The last time they did this the manager ( XXXX XXXX XXXX ) was rude and accused me of committing fraud and implied that I was a criminal and hung up on me ). There is no reason why they blocked my account ( and didnt even have the decency of letting me know that my account has been frozen/blocked ). 
I went to the XXXX branch today to find out why its being blocked, and they couldnt help me. They said that it was corporate who blocked my account for a min 7-10 day review.

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 2025-03-06 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: IL

Complaint narrative:
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely hope such discrepancies won't recur.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Amazon charged an old account for a purchase instead of using my card or bank account. I was unaware I even had a charge on a card until I saw my credit score drop XXXX points. I was able to get the situation handled but this has destroyed my credit.

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 2025-03-06 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-06 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-03-06 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:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
I am filing a complaint against TransUnion for failing to remove fraudulent accounts from my credit report, despite XXXX and XXXX having already deleted these accounts after determining they were unverified and fraudulent. 
These accounts resulted from identity theft, and I have provided TransUnion with the necessary documentation, including an FTC Identity Theft Report, police report, and formal dispute letters. However, TransUnion has wrongfully verified these accounts and refuses to remove them, in direct violation of the Fair Credit Reporting Act ( FCRA ) 605B and 611.

Details of the Issue : 1. Fraudulent Accounts Reported : XXXX XXXX  - {$860.00} - Account # XXXX XXXXXXXX XXXX - {$1100.00} - Account # XXXX XXXX. XXXX XXXX XXXX Deleted These Accounts Due to Fraud : I filed disputes with all three credit bureaus. 
XXXX and XXXX determined these accounts were unverified and fraudulent and deleted them from my credit report. 
TransUnion, however, refuses to remove the same accounts, despite being presented with the same evidence. 
3. TransUnion Failed to Conduct a Proper Investigation ( 611 FCRA Violation ) : I submitted official documentation proving the accounts were fraudulent, yet TransUnion still claims the accounts were verified. 
If XXXX and XXXX found the accounts unverifiable, it is clear that TransUnion either failed to properly investigate or relied on incorrect verification from the creditor. 
4. TransUnion is Violating FCRA 605B by Ignoring My Identity Theft Report : Under FCRA 605B, TransUnion is required by law to remove fraudulent accounts when a consumer provides an Identity Theft Report.

I provided my FTC Identity Theft Report and/or police report, yet TransUnion continues to report these fraudulent accounts. 
This refusal is a direct violation of my rights under federal law. 
5. Unfair and Inconsistent Credit Reporting Practices : If two major credit bureaus ( XXXX and XXXX ) removed the accounts, TransUnion should have reached the same conclusion. 
TransUnions failure to act is damaging my credit score and financial well-being.

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 2025-03-06 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: VA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-06 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: GA

Complaint narrative:
I am writing to dispute the incorrect personal information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I request that you update my file to reflect the correct information and remove all inaccurate data per XXXX XXXX compliance guidelines. 

Incorrect Information to Remove Names to Remove : XXXX XXXX XXXX ( with incorrect variation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses to Remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Correct Information to Keep Full Legal Name : XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX I have enclosed copies of my drivers license, utility bill, and social security card to verify my identity and correct address. Please delete any and all names and addresses Please investigate this matter and correct my credit report. Under FCRA Section 611, I expect a response within 30 days confirming the removal of this incorrect data.

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 2025-03-06 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-06 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
My XXXX XXXX XXXX XXXX and was treated at XXXX XXXX XXXX Nv in XX/XX/2023. 

We paid all bills and we also received a rebate from the hospital. 

We also paid for the xrays separately as we got direct bills from the XXXX XXXX diagnostic company which we asked XXXX and they told us to pay the x XXXX diagnostic company directly. 

Later XXXX secretly added already paid XXXX XXXX services to my sons bills. We spotted this clerical error and XXXX told us it was a clerical error and apologized. 

About a year later we got a letter from XXXX debt collection that we owe XXXX XXXX {$700.00} debt. 

We have contacted XXXX but keep getting a run around. 

This is not fair as it amounts to institutional fraud against tax paying and law abiding citizens. 

Please 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 explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
I am writing to formally dispute the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. Please provide the following information : 1. The name and address of the original creditor. 
2. A detailed itemization of the debt, including the principal, interest, and fees. 
3. Copies of any signed agreements or contracts proving my obligation to this debt. 
4. Documentation showing that your agency has the legal authority to collect this debt. 
5. Any applicable statute of limitations on this debt. 

Until I receive this information, I request that you cease all collection activities, including reporting this debt to the credit bureaus. If this debt has already been reported, please note that I am disputing it and update my credit report accordingly. 

If you can not provide proper validation, I request that you remove this debt from your records and confirm this action in writing. 

Please respond within 30 days of receiving this letter. I look forward to your prompt reply. 

Sincerely, XXXX Make sure to send this letter via certified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-03-06 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: VA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX  XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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