vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I wired full payoff amount on XX/XX/year>. 
SoFi published 7-10 business days to post payment. It has been 12 business days and no payment applied. Multiple calls and escalated requests and no payment has been applied. Amount is over {$90000.00}. Customer service line is not functioning and chat will not respond. I have sent full payment and it has not been applied to loans by lender. No communication from lender or effort to resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX, and this is my response to CREDENCE RESOURCE MANAGEMENT regarding their collection practices related to an alleged debt, which I believe are in violation of several consumer protection laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2 ( 7 ) ( A ). 

According to my credit report, there is a XXXX XXXX account listed that was opened on XX/XX/XXXX, with a debt amount of {$200.00}. I reached out to Credence Resource Management to clarify that I have been residing in XXXXXXXX XXXX, since XXXX. This situation has prompted significant doubts regarding the accuracy and legitimacy of the debt they are attempting to collect. To support my claim, I uploaded XXXX documents confirming my residence at the time the XXXX XXXX account was opened. 

Credence Resource Management has not ensured the accuracy and completeness of the information reported to the credit bureaus. They continue to report inaccurate and unverifiable information, which has negatively impacted my credit report and financial standing. 

I have provided proof of residence confirming that I was residing in XXXX when the XXXX XXXX account was established. Therefore, I request that CREDENCE RESOURCE MANAGEMENT promptly notify all credit bureaus to remove this account from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
This company ( NCB Management Services INC. ) has been sending me emails at least every week when I had already told them to stop contacting me. They were calling me almost every day for about 3-4 months last year to the point where I had to take some therapy because it was too much harassment and oppression. I told them to stop calling me and contacting me, they stopped doing it very often to just once in a while over the phone but they keep sending me emails every week. Im very stressed out and sick due to this situation and I have no idea how to handle this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: LEXISNEXIS
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 written instructions.

15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 written instructions.

15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.

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 2024-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal has restricted my account because I filled disputes that where legit and not to abuse the dispute resolution center I have provided the correct information to the disputes department that shows the person name and account that my debit card was used and I have provided countless documents stating who used my paypal account I was not actively using my paypal account so it was compromised and I didn't know and I have provided all this information to paypal dispute department and you guys still restricted my account even after disputes where resolved in my favor and I still have on going disputes that paypal debit card department is still investigating my account was restricted for no reason I was not abusing the ability to dispute fraud charges to my account this is ridiculous and I would like my account to be reinstated asap this is ridiculous I haven't done anything wrong and I still have money in the account that I want out asap this is not fair to me because my card and account was compromised and I provided details and paperwork showing it wasn't me making these charges and you guys still restricted my account this is unacceptable I want access to my money asap this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXXXX/XX/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 written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXXXX/XX/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 written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.

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 2024-08-10 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: TX

Complaint narrative:
The details of the fraudulent accounts are as follows : 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 non-monetary relief
Consumer complaint received 2024-08-10 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:
It is very concerning what XXXX finance does. I call every day to make sure this doesnt happen and they tell me to send an email and take days and days to respond. 

I was on XXXX forbearance with XXXX lending and during this whole time XXXX protect me with the cares act of reporting XXXX XXXX and XXXX XXXX as delinquent on their mortgage. 

XXXX transfer me to XXXX in XXXX before doing the loss mitigation after coming out of XXXX forbearance. The cares act protect us from lender reporting us delinquent and XXXX knew this look at the letter attached. 

XXXX said they will do the deferment but didnt mentioned that we will have XXXX on escrow shortage that it was going to ballooned the payments. My first payment was due on XXXX - The supervisor told me to send a hardship application and we sent as the attachment shows. She also said during this process ( loss mitigation ) there is no negative reporting on credit bureau because its all originated from my XXXX forbearance. I asked her for a letter and she said all their calls are recorded. 

I sent my hardship application on XX/XX/XXXX. Before my first payment ( they said they take 30 days ) and still nothing but went ahead to report me today as default. 

They told me to send a letter to customer service to make sure they dont report me as the supervisor recommended because it protects me cares act and I did as the attachment shows and still no 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 non-monetary relief
Consumer complaint received 2024-08-10 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:
It is very concerning what XXXX XXXX  does. I call every day to make sure this doesnt happen and they tell me to send an email and take days and days to respond. 

I was on XXXX forbearance with XXXX lending and during this whole time XXXX protect me with the cares act of reporting XXXX XXXX and XXXX XXXX as delinquent on their mortgage. 

XXXX transfer me to XXXX in XXXX before doing the loss mitigation after coming out of XXXX forbearance. The cares act protect us from lender reporting us delinquent and XXXX knew this look at the letter attached. 

XXXX said they will do the deferment but didnt mentioned that we will have XXXX on escrow shortage that it was going to ballooned the payments. My first payment was due on XXXX - The supervisor told me to send a hardship application and we sent as the attachment shows. She also said during this process ( loss mitigation ) there is no negative reporting on credit bureau because its all originated from my XXXX forbearance. I asked her for a letter and she said all their calls are recorded. 

I sent my hardship application on XX/XX/XXXX. Before my first payment ( they said they take 30 days ) and still nothing but went ahead to report me today as default. 

They told me to send a letter to customer service to make sure they dont report me as the supervisor recommended because it protects me cares act and I did as the attachment shows and still no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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:
It is very concerning what XXXX XXXX  does. I call every day to make sure this doesnt happen and they tell me to send an email and take days and days to respond. 

I was on Covid forbearance with XXXX lending and during this whole time XXXX protect me with the cares act of reporting XXXX XXXX and XXXX XXXX as delinquent on their mortgage. 

XXXX transfer me to XXXX in XXXX before doing the loss mitigation after coming out of XXXX forbearance. The cares act protect us from lender reporting us delinquent and XXXX knew this look at the letter attached. 

XXXX said they will do the deferment but didnt mentioned that we will have XXXX on escrow shortage that it was going to ballooned the payments. My first payment was due on XXXX - The supervisor told me to send a hardship application and we sent as the attachment shows. She also said during this process ( loss mitigation ) there is no negative reporting on credit bureau because its all originated from my XXXX forbearance. I asked her for a letter and she said all their calls are recorded. 

I sent my hardship application on XX/XX/XXXX. Before my first payment ( they said they take 30 days ) and still nothing but went ahead to report me today as default. 

They told me to send a letter to customer service to make sure they dont report me as the supervisor recommended because it protects me cares act and I did as the attachment shows and still no 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
Consumer complaint received 2024-08-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$6500.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX : Account Number XXXX XXXX : Balance : {$240.00} Account Name : XXXX : Account Number : XXXX : Balance : {$630.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1800.00} Account Name : XXXX XXXX : Account Number:XXXX  : Balance : {$1200.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX 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 written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.

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 2024-08-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$6500.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX : Account Number XXXX XXXX : Balance : {$240.00} Account Name : XXXX : Account Number : XXXX : Balance : {$630.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1800.00} Account Name : XXXX XXXX : Account Number:XXXX : Balance : {$1200.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.

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 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Recently I retired, at some point I was not able to continue making payments on my PayPal account. Prior to this situation, I had opened a crypto currently account through their site. I liked the idea because I could make purchases in small amounts. 

However, now that XXXX cant my payments as I previously did, I am unable to access my account in any form or fashion. Each and every time, I try to access the account, I always receive the following messages : something went wrong, please try again ; please enter three email accounts associated with your account ; reset your password, however, when I choose this option, it circles back to enter your email address and we will send a reset link. 

I try this every few months, only to end up in the same vicious circle. I do know that at one point I was past due with a balance of roughly {$220.00} odd dollars. However, I do believe that there was enough funds in the crypto account that would have allowed me to liquidate the account and bring my account current. However, since I was locked out of my PayPal account, I was denied the ability to use this option. 

I dont know, it I believe this practice from PayPal has to be illegal in some aspect.

I would appreciate any assistance I can get. I dont think they should be allowed to hold my funds hostage. As previously mentioned, I do believe there was enough money in the crypto account to have gotten my account back on track, but they denied me this option.

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