vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: NY

Complaint narrative:
In XX/XX/2023, I encountered an individual online who, in the course of our interactions, introduced me to two cryptocurrency investment entities known as " XXXX '' and " XXXX. '' Given my limited knowledge and experience in the field of cryptocurrency, I placed my trust in this individual and followed their instructions accordingly. Consequently, I initiated a transfer of funds from my personal Key Bank account to an intermediary platform called XXXX, where the funds were subsequently converted into cryptocurrency and directed toward the wallet of the individual in question. It is important to note that this transfer was carried out under duress and based on false representations made by the individual. 
Subsequently, upon expressing my desire to withdraw the purported profits from my investment, I was informed by the aforementioned individual that I would need to satisfy a significant tax obligation. This particular development raised considerable suspicion and prompted me to exercise caution. Consequently, I decided not to comply with the request to pay the indicated tax. Regrettably, my refusal to fulfil this demand resulted in my expulsion from the platform and the subsequent blocking of my account. It is important to emphasize that these events transpired within the context of what can be perceived as an orchestrated scam. The individual who introduced me to the aforementioned cryptocurrency investment entities appeared to have engaged in coercive tactics and deliberately misled me to illicitly obtain funds. This unfortunate experience serves as a stark reminder of the need for due diligence and vigilance when navigating the complex realm of online investments, particularly within the cryptocurrency landscape. The total amount sent from my Key Bank account is XXXX USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: PA

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ) in 15 USC 1681 section 602 ( a ), it emphasizes the importance of ensuring that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. Transunion, Equifax and Experian function as consumer reporting agencies, and I, as the consumer, possess the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801. This statute asserts the congressional policy that financial institutions must actively and consistently uphold customer privacy, safeguarding the security and confidentiality of nonpublic personal information.

Entities furnishing information to credit agencies, defined as financial institutions, fall under the scope of 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies may only provide a consumer report based on the written instructions of the respective consumer. In this case, the financial institution ( furnisher of information to credit agencies ) and the consumer reporting agencies ( Transunion, XXXX and XXXX ) lack my consent, written or otherwise, to furnish this information. Any previous consent provided to these entities, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise the option to prevent such disclosure. The furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option.

In addition, 15 USC 1681C ( a ) ( 5 ) specifies that a consumer reporting agency may not include certain adverse items of information in a consumer report, and this includes any adverse information that predates the report by more than seven years. The account in question is an adverse item being reported without my permission, which is a violation of the law. 

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) asserts that a person should not furnish information to a consumer reporting agency if they know or reasonably believe the information is inaccurate. Transunion, XXXX and XXXX are not adhering to reasonable procedures to avoid violations of the FCRA. 

Finally, according to 12 CFR 1016.7, a consumer retains the right to opt out of reporting services at any time. Therefore, I am opting out of the reporting services provided by these agencies.

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 2023-11-22 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: PA

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ) in 15 USC 1681 section 602 ( a ), it emphasizes the importance of ensuring that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX, Equifax and XXXX function as consumer reporting agencies, and I, as the consumer, possess the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801. This statute asserts the congressional policy that financial institutions must actively and consistently uphold customer privacy, safeguarding the security and confidentiality of nonpublic personal information.

Entities furnishing information to credit agencies, defined as financial institutions, fall under the scope of 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies may only provide a consumer report based on the written instructions of the respective consumer. In this case, the financial institution ( furnisher of information to credit agencies ) and the consumer reporting agencies ( XXXX, Equifax and XXXX ) lack my consent, written or otherwise, to furnish this information. Any previous consent provided to these entities, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise the option to prevent such disclosure. The furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option.

In addition, 15 USC 1681C ( a ) ( 5 ) specifies that a consumer reporting agency may not include certain adverse items of information in a consumer report, and this includes any adverse information that predates the report by more than seven years. The account in question is an adverse item being reported without my permission, which is a violation of the law.

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) asserts that a person should not furnish information to a consumer reporting agency if they know or reasonably believe the information is inaccurate. XXXX, Equifax and XXXX are not adhering to reasonable procedures to avoid violations of the FCRA. 

Finally, according to 12 CFR 1016.7, a consumer retains the right to opt out of reporting services at any time. Therefore, I am opting out of the reporting services provided by these agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: Gatestone & Co. International Inc.

Complaint narrative:
On XX/XX/XXXX a debt was reported on my account in which I am not liable. I do not have a contract with Gatestone Contact CNTRE, they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: VA

Complaint narrative:
Please be advised, the name XXXX XXXX XXXX is now under ownership and jurisdiction of XXXX XXXX  Trust. Impermissible usage and reporting of my private propertys financial and personal information, ( 15 USC 6802 ), will result in charges for abuse, loss, and damages, as well as UCC code violations under a Trust and Common Law. There are accounts thats are closed ( 28 USC 6050 ( P ), 15 USC 1681 ( a2, a3 ) ( Gramm Leach Bliley Act ) and requested removal from my report but still reporting closed and charged off accounts which is violation of rights. 18 USC 43.Experian is abusing the power to report inaccurate information. 15 USC 1692 ( d ) .12 USC Ch 5 ; Reporting late payment is illegal. 15 USC 1666b. And any accounts closed and written off are billing errors 15 USC 1666, or just flat out misinformation which falls under misconduct 15 USC 1640, to which you have a civil duty to rectify. I am under Trust and will sue for violation and deprivation of my rights and all negative information is not removed from and to refrain for fraudulently reporting the copyrighted name XXXX XXXX XXXX, which is under XXXX XXXX Trust ( 42 USC 401, all rights reserved. All evidence of fraud and abuse will result in Arbitration, or Trial with submission of our Private fee schedule for arbitration for each agency, agent, government involved.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal XXXX XXXX XXXX have engaged in anticompetitive behavior & claims an amount owed to them which is not valid & violates the Fair Credit Billing Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I have had two loans with lendumo the first loan I took out was {$300.00} back in XX/XX/XXXX. It was paid off XX/XX/XXXX. I reapplied on XX/XX/XXXX for a second loan I got the funds of {$810.00} on XX/XX/XXXX I paid down the principal making the loan term shorter. The loan term was originally 8 months long but I paid down the principal making the final loan term XX/XX/XXXX. I have been successful with making payments on time until I experienced a hardship. I had a payment due on XX/XX/XXXX. I spoke to an agent and stopped the payment but I was able to make a payment on XX/XX/XXXX of {$2.00} then I made a payment of XXXX on XX/XX/XXXX that was the missed payment from XX/XX/XXXX. I reached out yesterday XX/XX/XXXX. To stop the ACH I have been having issues with my bank. The next two payments are XX/XX/XXXX and the final payment XX/XX/XXXX. Im still struggling to get back on track. The loan balance yesterday was XXXX and now it is XXXX. I spoke with an agent named XXXX and she told me that the late fee is from a payment that I can pay it online. Im being charged for a late fee for a payment that hasnt been drafted out. I have been a loyal customer with lendumo since XXXX of XXXX I have not had any issues in the past. And I wanted to reloan in the future. I would like to consider what I have paid closed and settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items removed and deleted from my credit report effective immediately. I am a attaching proof that Equifax is admitted that i was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report my claim number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-22 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: FL

Complaint narrative:
XXXX XXXX XXXX  was paid in full but still reporting on my credit report as charge off. And not a paid charge off. I have two complaint numbers still reporting the in correct information. XXXX and 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 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made 3 large deposits into bank of america, they explained they had to call my Clients XXXX once it cleared I would be set to go. They sent letters to my residence of when funds would be released onl ; y for them to resend me letters extending the hold. 

1st incident XXXX XXXX I deposited the first check for {$21000.00} they flagged it. I was OK with the hold until they decided to extend it yet additional days even after it clearing from XXXX. 
They spoke to my client and gave him their word they would release the funds and held on to them, this caused me fines with my employees and made me fall behind on my projects and lose employees. I felt this was was due to my ethnicity. 

2nd incident It happened yet again on another deposit XXXX XXXX with funds released the XXXX after assuring me they would be released XX/XX/XXXX. 

3rd Incident XX/XX/XXXX clearing the XXXX this is in total violations of my rights!

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 2023-11-22 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: OR

Complaint narrative:
My loan servicer for loan consolidation for PSLF was XXXX. From XXXX to XXXX I applied for PSLF four times. On XXXXXX/XX/XXXX, that loan was transferred to Mohela to process PSLF. My first employer for PSLF was approved on XX/XX/XXXX, and the second on XX/XX/XXXX. Also on XX/XX/XXXX, my IDR paperwork ( which I submitted twice ) was approved, and twice I requested forbearance while they sussed out the XXXX payments count. Today Mohela raided my bank account without warning, and took over {$1100.00}. Im unemployed, and my IDR payment was {$0.00}. *I never, ever gave Mohela my bank account info, and can only assume that they imported it from XXXX XXXX XXXX I also cant remove my bank account info, since it appears nowhere on the Mohela website. I have no idea where they store my information, when I will be charged, how much I will be charged, and how frequently. I received no billing statement prior, and have no idea how they came up with this dollar amount. This is insane. I feel like I have no choice but to close this bank account so that I can pay other bills, because Mohela is literally stealing from me. How did this criminal enterprise come to be in charge of PSLF? I feel like Im being punished for public service, and they are *impossible to reach*, the website is nonfunctional its a complete disaster, and I want my money back from these thieves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
XX/XX/ : I paid off my vehicle ( XXXX XXXX XXXX ) with Hyundai Motor Finance . 

XX/XX/XXXX : I called Hyundai Motor Finance asking if they'd released my title to the DMV. They advised that, due to system errors, they could not do it at that time but would send it out within 72 hours. 

XX/XX/XXXX : I followed up with Hyundai Motor Finance and they stated that this had been completed. 

XX/XX/XXXX : a serious legal complication arose in my life where I needed to prove to the Court that my vehicle was titled in my name ASAP! I contacted the DMV for a copy of my title, they stated they did not have it. I then immediately contacted Hyundai Motor Finance, and the representative said there was " nothing they could do since the vehicle was paid off ''. 

XX/XX/XXXX : I spoke with a member of management at Hyundai Motor Finance who finally promised to take immediate action in getting my title released to the DMV. I asked for a confirmation email, they said they could not provide that but I should " trust them to get it done ''. 

XX/XX/XXXX : I went to the DMV to follow up on whether they received my title paperwork. Still NOTHING. Keep in mind, Hyundai Motor Finance has been WRONGFULLY holding on to my title - MY legal document showing ownership of my vehicle - for over SEVEN MONTHS!! This company has had NO sense of urgency in rectifying their mistakes and I keep getting different information. I NEED MY TITLE ASAP OR I WILL FACE HEFTY LEGAL CONSEQUENCES. And if that happens, I will be taking my own legal action against Hyundai Motor Finance for pain and suffering!

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT 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 Incorrect XXXX XXXX XXXX - Incorrect

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 2023-11-22 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-22 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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