vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: Early Warning Services, LLC
State: CO

Complaint narrative:
Early Warning Systems has in their possession, without my written permission, my non-public personal information and is in violation of the XXXX XXXX XXXX XXXX. Early Warning Services has obtained my information without consent from me. Early Warning Services has disregarded the Fair Credit Reporting Act and its the laws. Early Warning Services is a third-party servicer and credit reporting agency. The FCRA clearly states a credit reporting agency can only produce a consumer report with the written permission of the consumer to whom it relates. Early Warning Services failed to provide the contract between their corporation and me. Early Warning Services has not provided me with any permissible purpose and without that they do not have a right to report fraudulent accounts to my consumer report. Early Warning Services furnished information from banking industries under my information which I did not have any known knowledge of, nor have I ever contracted with them or gave them permission to use my information. Early Warning Services is in violation of the FCRA which clearly states financial institutions such as Early Warning Services must provide a consumer with an opportunity to opt out of any reporting of non-public personal information. Early Warning Services is in direct violation of the FCRA. Section 1681g ( a ) ( 1 ) requires that a consumer reporting agency " upon request,... clearly and accurately disclose [ e ] to [ any ] consumer : ... [ a ] ll information in the consumer 's file .... '' 15 U.S.C. 1681g ( a ). A consumer reporting agency is liable for " actual damages '' if it negligently fails to comply with this requirement, 15 U.S.C. 1681o ( a ) ( 1 ), and it is liable for " actual damages, or statutory damages up to {$1000.00} per violation, as well as punitive damages and attorney 's fees '' if it willfully fails to comply, 15 U.S.C. 1681n ( a ). I demand Early Warning Services remove all items/accounts from their system, as I have opted out of their services per 15 USC 6802 , even though I was never properly given my right to opt out disclosure because I never opted into their services to begin with. Per Early Warning Services definitions I am a fraud victim of identity fraud from the accounts reporting from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX North Carolina, XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX and need all items furnished to be deleted from the Early Warning Services data base immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received the attached letter from a company called XXXX XXXX XXXX attempting to collect on a debt for an HSBC account from 20 years ago. I have filed a CFPB complaint with HSBC on a prior collection attempt from 3 years ago and they sent me a letter RE : CFPB Case # XXXX on XX/XX/XXXX stating that their records do not show this debt. This company XXXX XXXX XXXX XXXX is constantly calling myself and my relatives and tries to collect on a debt that would be time barred if it was real. They are in violation of consumer law section 1006.26 ( Collection of Time Barred Debts ) which states that ( b ) Legal actions and threats of legal actions is strictly prohibited. A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time barred debt. The attached letter received today is a direct violation of this rule. It has a series of references to Liens, Garnishments, Bank Levy and lawsuits. I'm filing an additional complaint against HSBC as they are listed as the original creditor on this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I sent {$8500.00} to a network of scam artists by XXXX linked to my Citibank checking account. First I sent {$5000.00} to a scammer by XXXX on XXXXXXXX. I sent another {$3500.00} by XXXX to the same scam network on XX/XX/. I gave names and phone numbers of XXXX individuals who I sent the money to. I told Citibank to contact the banks where the scammers had the accounts to which my money was sent to, identify the owners of those accounts and have the receiving banks to close the accounts to prevent other people from getting scammed, report the details of the fraudulent transactions to law enforcement and recover my money. Citibank told me that they did the investigation and they cant recover the money because I sent the money. I dont believe that Citibank contacted the banks where the scammers had their accounts and worked together with the banks with fraudulent accounts to find the scammers and reported the scam to law enforcement. Citibank also promised to mail me the details of their investigation, but they never did. I didnt get any useful information from the bank and they didnt refund the {$8500.00} that I sent to the scammers.I also contacted XXXX and they did nothing.

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 2024-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
On XX/XX/2022, I went to the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I provided information from my XXXX XXXX XXXX that I pay each month. After the visit, I paid my deductible of {$600.00}. While I was paying my deductible, letters from the hospital began to arrive via postal mail trying to collect an additional amount of {$800.00}. I contacted the insurance and they told me that this debt was settled by the insurance and provided me with letters proving that my care was paid in full. ( See attached letter and photos ). I informed my insurance what was happening and started calling the hospital to say that the debt was already paid. The hospital continued to maintain the {$800.00} debt and it was finally sent to a debt collector called Medicredit from whom I receive letters and calls on my phone trying to collect a debt that has already been paid. ( See attached letter ). The insurance also tried to contact the hospital to no avail. They suggested I file a complaint with the Consumer Financial Bureau. 
Also, I would like to express my concern regarding the {$60000.00} charge for my recent visit to the emergency room. Considering that my treatment involved minimal medical services during a XXXX XXXX, I find the amount to be excessively high. In my view, this charge is unreasonably exorbitant, and I strongly recommend a thorough review of this billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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.

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 inructions 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 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MA

Complaint narrative:
I received a notification on XX/XX/XXXX that Cash app had closed my account stating due to going against cash app policy. However I hadnt sent or received money via cash app in a few days prior to them closing my account. 

I attempted to read through all of my prior transactions with several representatives to gain understanding as to why theyd closed my account. I was hung up on several times. Additionally asked if I could speak with a supervisor and was then told that someone would email me however nothing. 

I did explain to them that I had received some odd notification stating that there was a login from an unknown device and asked if they could investigate if my account was possibly hacked. No response, a week has gone by and still no follow up and or explanation provided as to why they closed my account. I honestly believe it is an error on their end however they are refusing to fix and take accountability for their error and reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have contacted with PayPal, which was the payment system for this purchase, relating the XXXXXXXX XXXX XXXX before this card was closed. 

I have ordered this item, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The purchase was transacted on XX/XX/XXXX and XXXX XXXX stated the product was delivered on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, instead of my address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have tried to contact with the seller 3 days ago, and the seller stated " Hi, I contacted the post office and this package should have been an accidental mistake on their part, I can arrange for it to be re-mailed to you, thank you! '' I have contacted again to know the proceedings, however, I did not receive any information from the seller, so far. Therefore, I ask the refund from the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Venmo suspended my account when I tried to transfer money to my debit card.They wouldnt tell me why and now XXXX XXXX  is stuck in the account for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I did not apply for or have knowledge of this inquiry/account.

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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover card canceled my account after 30 years. Did not contact me by mail or phone. I logged in to pay off the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I did not apply for this credit card and did not authorize the anyone to apply for the inquiry on my credit report either ... ... .there are multi inquiries and credit cards on my report and they need to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: 4M Collections, LLC

Complaint narrative:
Hi, during my vacation in my sisters and parents place, I've been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My hospital bill amounted to XXXX, due to lack of money, I applied for government financial assistance. But a debt collector sends me a bill to my sister 's address in the US, where I stayed. I have no money to pay the bill and I'm already here in the XXXX. I already sent an email to them that my application for the financial assistance was still on process and request for them to allow my sister, who was living in XXXX, XXXX to speak and act on my behalf. But no response from them and my sister tried to contact them thru phone but she was not entertained because she was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities 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 non-monetary relief
Consumer complaint received 2024-01-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666b A CREDITOR MAY NOT REPORT A LATE PAYMENT ON A OPEN ENDED CREDIT ACCOUNT AS LATE FOR ANY PURPOSES. PLEASE REMOVE ALL LATE PAYMENTS FROM XXXX XXXX XXXX XXXX XXXX XXXX90DAY LATE, XXXX90DAY LATE. 

I FILE A COMPLAINT WITH CFPB WHICH YALL STATES : XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, CHARGE OFF AMOUNT, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY We hope this resolves your concerns. 
THIS DOES NOT RESOLVE MY CONCERNS AS AGAIN under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. PLEASE PROVIDE PROOF OF SUCH WRITTEN INSTRYCTIONS OR REMOVE LATE PAYMENTS ASAP!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Skopos Financial, LLC
State: OH

Complaint narrative:
I filed for XXXX  XXXX bankruptcy on XXXX. XXXX, XXXX. An auto loan that I had that was included in bankruptcy is still on my credit report. I have tried to contact the loan company, XXXX XXXX XXXX multiple times and have been told someone will call me back and they never do. Before I filed for bankruptcy I called XXXX XXXX XXXX and told them to come pick the car up, but they told me they werent going to do that. On my credit report it shows this account with XXXX XXXX XXXX was opened on XXXX. XXXX, XXXX  ( 8 yrs, 5 mos ). On my credit report it also shows under Account Details for XXXX XXXX XXXX that this account was Closed XXXX XXXX, XXXX. But my XXXX  XXXX bankruptcy was discharged on XXXX. XXXX, XXXX. So this account should have been closed the same date my bankruptcy was discharged on XX/XX/XXXX!! This account with XXXX XXXX XXXX was included in my XXXX  XXXX Bankruptcy, is 8 years and 5 months old, and the closed date is after my bankruptcy was discharged. I have disputed this account many, many times and the credit bureaus will not remove it from my credit report. This account is causing my credit score to remain low and Im unable to get approved for a first time home buyers loan. I want this account removed from my credit report!!! It should not be on there when it was included in bankruptcy!!!

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 2024-01-04 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: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Nationstar Mortgage LLC AND Mr. Cooper was involved in a data breach i also opted out of Mr. Cooper and Nationstar Mortgage LLC sharing Information with 3rd Party non Affiliates several months back in a prior complaint that they responded to and this data breach shows they are still sharing information upon my opt out they are in Violation of Thr Privacy act of 1974. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) This Data breach has caused Harm to me with my personal identity and bank account information being leaked during this breach. 

Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NY

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.

has violated my rights. Or a list of inquiries : 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