vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
They pray on the poor, they add on unnecessary things that you aren't made aware of. There interest is so high you never will get them payed off. They will not work with you on lowering your interest at all. Lesson learned, I borrowed this to get custody of my grandchildren at the time I didn't think I had other options, biggest mistake ever. Terrible company like title pawn getting rich off poor people. So very sad!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I was paid {$90.00} for giving a friend a ride and the friend paid me on Venmo. I had stopped using XXXX federal credit union so I had to add a new card in order to access the money. When I added the new card Venmo froze my account for 15 days but added the payout method I provided to the account. Then yesterday Venmo unfroze the account and I tried to transfer the money but Venmo will not transfer the money and the bank I added will not accept money from Venmo. Venmo will not let me send the balance to a friends Venmo account who can put the money in theyre bank and give me cash so I was forced to add another debit card to the account to try to transfer the money on and it froze my account again. They are doing this on purpose to hold peoples money as long as possible and they will keep it going forever theres countless stories on XXXX of people trying to access theyre money for over a year and just giving up on it. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
XX/XX/2023 we received a bill for " move out charges '' from an apartment we have never lived at for {$100.00}. The company is XXXX XXXX XXXX. We have been fighting with the company ever since. Now, the {$100.00} has been turned to Columbia Debt Recovery LLC. whom does NOT respond to any phone call, message, or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my wirtten instructions I was made this complaint before XXXX with the ID XXXX and I got the answer the this information does not currently appear on the credit and still in my report and must be deleted because this account was closed and dismissed for a court judge

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
To whom it may concern, Per the fair credit reporting act as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and nonverbal completely and indefinitely per 15 USC 6802.

To whom it may concern, PER 16 CFR 313.7 That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the
consumer has the right to opt out of that disclosure ; and iii ) A reasonable means by which the consumer may exercise the opt out right Opt Out Laws : opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : 15 USC 6802 OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( HAS NOT BEEN DONE ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ( HAS NOT BEEN DONE OR GIVEN THE OPPORTUNITY ).

THIS UNLAWFUL BEHAVIOR HAS CAUSED INTENSE PAIN AND SUFFERING BECAUSE OF THIS ADVERSE INFORMATION ON MY REPORT. I HAVE BEEN DENIED SERVICES ON MY CREDIT. THIS FRAUD NEEDS TO STOP IMMEDIATELY. 

Sincerely yours, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: TX

Complaint narrative:
On XX/XX/XXXX I reviewed by Consumer Report and noticed inaccurate/unverified information is being reported by the CRAs. I have disputed inaccuracies with the Creditor/Data Furnisher and both agencies did not provide reasonable procedures followed by law of reporting adverse account information to my consumer report. 

15 U.S. Code 1681e of the Fair Credit Reporting Act ( FCRA ) outlines the requirement for maximum possible accuracy of information in consumer reports. Heres the relevant section : 1681e - Compliance procedures Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates1.

15 U.S. Code 1666b - Timing of Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ) of the FCRA, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The following accounts are reporting inaccurate and unverified - XXXX XXXX-Acct ending in XXXX Late Payment reported on XX/XX/XXXX, XXXXCreditior/Data Furnisher did not verify/validate late payments under the FCRA. 

XXXX XXXX XXXX XXXXXXXX Late Payment reported on XXXXCreditor/Data Furnisher did not verify/validate late payment under the FCRA -various reporting of Last Activity, Payment Status, Account Type to all XXXX CRAs by XXXX XXXX  XXXX Charge Off-various reporting of Last Activity, Payment Status, Account Type to all XXXX CRAs by Creditor XXXX Late Payment-30 day late XX/XX/XXXX, XXXX ( added after disputing 30 day late ) ; 60 day XXXX, XXXX ( added after disputing which shows inaccurate reporting ) -Creditor/Date Furnisher failed to verify/validate late under FCRA-Creditor added additional late payments-CRAs added additional late payments to consumer report without verifying-which shows inaccurate reporting. 

XXXX XXXX ( XXXX XXXX XXXX Acct # ending in XXXX Late Payment-XXXX-CCreditor/Data Furnisher failed to verify/validate late payment under the FCRA -various reporting of Last Activity, Payment Status, Account Type to all three CRAs by Creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Hi I saw on line that One Main Financial over charged their customers for unnecessary fees in the past few years, and I had XXXX loans thru the company and just wanted to know if I qualified for a refund of any over charged fees. I figured it would not hurt to inquire. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: GA

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXXXXXX, ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX15 USC 1681Section , 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. In addition, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

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 2024-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Extremely high interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Cactus Jacks Auto Sales
State: AZ

Complaint narrative:
the company repossed the vehicle and sold it and still charged me for the full amount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: MA

Complaint narrative:
I am writing to formally dispute the verification of a collection account on my credit report. Despite previous verification, I request the DELETION OF THIS ACCOUNT in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), and the Fair Credit Billing Act ( FCBA ) Section 623 ( a ) ( 7 ). 

The collection account in question is XXXX XXXX XXXX, reported by you. I believe this account does not accurately reflect my credit history, and I have not received sufficient validation of its accuracy from the creditor. 

Please provide me with a written explanation of the verification process and the specific information that was verified. Additionally, I request that you delete this account from my credit report as per FCRA, FDCPA, and FCBA guidelines. 

I appreciate your prompt attention to this matter and request that you inform me of the outcome of your 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 non-monetary relief
Consumer complaint received 2024-03-23 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: NJ

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 

XXXX XXXXXXXX Account number XXXX accounts are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



I sent a letter asking Transunion to make sure everything is complete and accurate. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I am requesting for this account to be DELETED my credit report. 
Please see these attachments below

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 2024-03-23 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: SF VAGO, LLC
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Ive been banking with us bank for over 4 years. 
Never late fee never negative on my accounts. 
Both business and personal accounts including credit cards were closed for no reason. 
And under truth in lending act the are by law supposed to give my a reason as to why my accounts were closing.

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 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
one main financial added products to my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: VA

Complaint narrative:
This account was charged off on the following date : XX/XX/2023 since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/2023 ) an on XXXX its ( XX/XX/2023 ) if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account front my friend report. 
Account Number : XXXX Account Number : 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 2024-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a chase checking and savings account. Yesterday, I submitted a transfer from my other bank ( XXXX  ) to my chase account. Then I transferred that cash out to my local bank so that I could write a check for my rent. Chase finds this activity suspicious so they locked me out of my account. I call and no one helps me. Hours pass and no one helps. They say I am locked out for at least XXXX business hours for a fraud alert which is XXXX. Its Friday after XXXX so I have no access to my chase mobile app until Monday maybe!???? I can not see my balances for any of my credit cards because they have locked me out and have not gave me a reason yet they say I can still use my credit cards. Chase is just holding my cash hostage. This happens any time I try to withdrawal cash from them. I have spent hours trying to access my account. I cant even lock it if I did have an identity problem because I can not log in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: OneMain Finance Corporation
State: OK

Complaint narrative:
The interest rate makes it impossible to lower the amount owed. Ive been paying {$200.00} for years now and my balance is a stand still.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.

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