vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wilber and Associates, P.C.
State: WA

Complaint narrative:
I was contacted by phone by Wilber & Associates on XX/XX/XXXX about a claim made by XXXX XXXX about an accident on XX/XX/23. I was then contacted by mail on XX/XX/XXXX and XX/XX/XXXX about the same accident. The amount claimed in the letter is {$10000.00}. 

CFPB states that I have the right to, " An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date. '' As well as, " Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. '' And, " An end date for a 30-day period when you can dispute the debt. '' None of this information was included in any of the letters that I received and will attach. I was never notified of my right to dispute the debt if I believe the debt was not mine. 


I spoke with someone on the phone shortly after receiving these claims explaining that there was not enough information or evidence that this accident involved me. I was not in an accident on XX/XX/23. The car that they claim to be in the accident is not a car that I have ever owned or driven. In the original call they claimed that there was a police report that included information that was not related to me. After explaining this over the phone, the representative assured me that contact would cease. I am still receiving calls as of XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, 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: KY

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, 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: KY

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
In accordance with the Fair credit reporting act XXXX account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureau and they failed to provide me the copy or any such proof of their investigation results about my complaint. This is the 4th complaint i have filled with the CFPB and the companies didnt do anything to respond or to solved this matter. I have only recieved automated responses saying that the issued was verified as accurate but no real proof evidence of such or any invenstigation made. A lot of illegal innacuracies reported on my personal credit report and nobody takes an action with the credit reporting company or the creditor. 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 writing instructions. 15 U.S.C 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 U.S.C 1681. 
XXXX XXXX XXXX # xxxxxxxxxxxx XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX  XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX  Account # xxxx # # XXXX XXXX Account XXXX xxxxxxxxxxxx XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX Account # xxxxxx XXXX XXXX XXXX XXXX  Account # xxxxx XXXX XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX CARD Account # xxxxxxxxxxxx XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX & XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXXt # xxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxx XXXX XXXX XXXX XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX # xxxxxx XXXX XXXX XXXX # xxxxx XXXX XXXX XXXX XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX Account # xxxxxxxxx XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX 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 an account without my written instructions. 

15 U.S.C.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 crime which antedates the report by more than seven years.

15 U.S.C. 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8600.00} XXXX Balance Owed : {$5900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$64.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently I've mailed in a dispute letter asking Experian to investigate multiple accounts that's reporting in violation. The accounts listed in my dispute letter do not belong to me nor do I have knowledge of who they are. They are reporting accounts to Experian stating that I owe them a debt but how can I owe them anything if there was never an agreement? These accounts are in violation of 15 U.S. Code 6801 - Protection of nonpublic personal information, in which they did not respect my right of privacy. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 5 ) Treatment of inaccurate or unverifiable information, these accounts must be removed in which we never made any agreement nor is there permission from me to report these accounts which make them unverifiable.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit Reporting act XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
I order a transmission on XXXX XXXX. For a company XXXX. XXXX XXXX sale person..I order the transmission. He say it be delivered next week XXXX XXXX XXXX. It didn't came .I call his number XXXX .disconnected. So I found the business site called there number .disconnected.. 
So.I was scam no where to find..I call cash app there tell me. Sorry to here the we get back you money.refunded. .My have to wait XXXX Business days.that was form XXXX agent..as I wait I call back to see what happened. A different agent tell me I can't get my money back.which make no sense there policy says if there's a scam they will return your money. At the same time it say no it .So it sound like Cashapp scaming. People 's .It insurance by there bank for scammer protection.The just how banks works. 

Anyway .I even show them on my account it show it was refunded on XXXX XXXX.But I never see it. .I told them all I get is a rerun to the policy page from every other agent about no refunded if it a complete or cancel order.even tho I show them in writing you do. This is form of bank discrimination I feel like. You have insurance for scam protections but it's only for certain people that's not fair. All I wanted is my XXXX back. It show it was refund in my account but I never see it in my account.There have problems with XXXX  phones which I have an XXXX  phone so maybe that's was the problems I was telling them that didn't show up in my account.. Your see all the info ... Cash app having a lot of problems..just need to fix and be fair to all people 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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

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 2023-06-28 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a complaint with Capitol One disputing charges for travel, I never was able to take because the company closed.. 
XXXX  account ending in XXXX Capital one  case # XXXX XXXX Case # : XXXX I am filing a new complaint because this company has awarded other individuals in same situation with this same complaint. 
The travel company in XXXX XXXX is currently under investigation bc they took consumers hard earned money and invested it in crypto and cheated all particpants out of their month. One individual stated Capital one refuned her in XXXX with her cases being 540 days old because the company shut down. Capital one has not been forthcoming in awarding to everyone in this situation their monies back. please see attached. 

Invidiual posted this on XXXX XXXX XXXXXXXX XXXX XXXX XXXX contributor XXXX XXXX XXXX XXXX XXXXXXXX XXXX RE : Capital One ( US ) My charges were well over the 540 days, I have complained to the CEO of Capital One still got turned down then I filed a complaint with the Consumer Financial Protection Bureau XX/XX/XXXX and today I had confirmation emails from Capital One stating that I have permanent refunds for all three of my transactions that are all over the 540 days. I called Capital One to confirm and was told that it is because the merchant went out of business. This was completely unexpected. I am still in shock, but wanted you all to know in the event that you could receive the same outcome. 
consumerfinance.gov the leiquidator report is attached which shows there is no money left to pay all the creditors any money back, we all may get XXXX, if that.

Company response to consumer: Closed with explanation