vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One XXXX credit card is charging a {$28.00} late fee if the user pays the bill after XXXX ET. 

That's abusive practice because the bill it's due on a certain day, the payment is done online, and the day only ends after XXXX, not at XXXX. 

In my case, I arrived at home from my job around XXXX on the payment due date and proceeded with my credit card payment. Capital One had already charged me {$28.00} dollar for a late fee, even though I did the payment on the due date. 

I contacted them immediately to have this fee waived and it was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-17 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:
I am filing this complaint personally. After examining my credit history, I found late payments recorded. I sent correspondence regarding this issue over a month ago but have received no reply, nor have they provided adequate verification of these entries. I'm seeking your help to address this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: FL

Complaint narrative:
I couldn't believe it when I saw incorrect accounts on my credit report this morning, and I have no idea where they came from. I check my credit report all the time, and Ive never seen anything like this. I even refreshed the page, hoping it was just a glitch, but the false accounts stayed. Im requesting that the documents Ive submitted be thoroughly examined so I can stop stressing about this issue.

I couldn't believe it when I saw incorrect accounts on my credit report this morning, and I have no idea where they came from. I check my credit report all the time, and Ive never seen anything like this. I even refreshed the page, hoping it was just a glitch, but the false accounts stayed. Im requesting that the documents Ive submitted be thoroughly examined so I can stop stressing about this issue.

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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
On XX/XX/XXXX when I checked my paystub I noticed a company named Weltman, Weingerg & Reis was garnishing 25 % of my check. Now, I was never notified by Weltman or my employer that I was about to get my wages garnished. The point where I realized I was being garnished this has already been going on for a few months. I was never notified about a lawsuit, a judgement or anything that gave this company the authority to garnish my wages. This has caused me concrete harm, extreme hardship as well as mental/emotional stress due to my livelihood being compromised all over an alleged debt. 

Again, I have never been notified ( i.e served a summons/complaint ) about this alleged debt. I do not know who Weltman Weingerg & Reis is. I have never done business with this company nor did I ever have an account number with Weltman Weingerg & Reis. I looked this company up on XXXX and it stated they are debt collectors but I have no clue who they are and I never had any business with them. All of this took place without me knowing and that is not right. Weltman Weingerg & Reis should have ensured I was properly notified about this alleged debt so I could properly defend myself. Instead I had to find out by actually being garnished and going to do a XXXX search on this company. 

On XX/XX/XXXX I sent Weltman Weingerg & Reis a letter by way of certified mail. Certified mail number XXXX XXXX XXXX XXXX XXXX return tracking number XXXX XXXX XXXX XXXX XXXX XXXX. I will attach the letter here since it will take a while to come through the mail so there is no confusion and Weltman Weingerg & Reis can start preparing the documents to be sent to me via mail. 

Also, please note the CFPB has my number and email attached to this complaint but that does NOT give Weltman Weingerg & Reis permission to use my phone number or email to contact me regarding this matter. Again, please do not try to contact me via phone because I work Mondays thru Sundays XXXX and I can not talk on the phone at work per company policy. Also, please do not contact me via email. I would like a response via mail and mail only. I am requesting ALL documentation regarding this alleged debt/alleged account sent to me as soon as possible. I should not have had to find out about this by actually being garnished when not one documentation was given to me notifying me of what was going on nor was any documentation given to me proving the authority Weltman Weingerg & Reis had to garnish any of my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: AP

Complaint narrative:
An initial email sent to me on XXXX XX/XX/XXXX from Credit Control LLC stating I owed a debt of {$2000.00} with an additional amount of {$370.00} of non-interest or fees with a total amount of {$2400.00} I sent a written letter via certified mail to credit control LLC tracking number XXXX on XXXX XX/XX/XXXX, I requested a response within 30 days to verify the debt and I have not received any written response back. In the letter I also requested verification of the addition {$370.00}, what is this charge? 

I have not received any letters from this company verifying the debt.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am writing to dispute a car loan account associated with my name, specifically account number [ XXXX ] in the amount of {$30000.00}. Date opened, XX/XX/year> due tq identity theft. I have recently discovered that this loan was fruadulemtly opened in my name without my authorization. Additionally, i have not signed a promissory note or any other documentation related to this loan. 

As a victim of identity theft, i am exercising my right under The Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practice Act ( FDCPA ) and The Identity Theft and Assumption Deterrence Act ( ITADA ). these laws protect individuals against fruadulent activities and incorrect credit reporting. Specifically, these statues entitle me to dispute unauthorized accounts and demand the removal of such fruadulent entries from my credit report.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am writing to dispute a car loan account associated with my name, specifically account number [ XXXX ] in the amount of {$30000.00}. Date opened, XX/XX/year> due tq identity theft. I have recently discovered that this loan was fruadulemtly opened in my name without my authorization. Additionally, i have not signed a promissory note or any other documentation related to this loan. 

As a victim of identity theft, i am exercising my right under The Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practice Act ( FDCPA ) and The Identity Theft and Assumption Deterrence Act ( ITADA ). these laws protect individuals against fruadulent activities and incorrect credit reporting. Specifically, these statues entitle me to dispute unauthorized accounts and demand the removal of such fruadulent entries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am writing to dispute a car loan account associated with my name, specifically account number [ XXXX ] in the amount of {$30000.00}. Date opened, XX/XX/year> due tq identity theft. I have recently discovered that this loan was fruadulemtly opened in my name without my authorization. Additionally, i have not signed a promissory note or any other documentation related to this loan. 

As a victim of identity theft, i am exercising my right under The Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practice Act ( FDCPA ) and The Identity Theft and Assumption Deterrence Act ( ITADA ). these laws protect individuals against fruadulent activities and incorrect credit reporting. Specifically, these statues entitle me to dispute unauthorized accounts and demand the removal of such fruadulent entries from my credit report.

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 2024-09-17 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: TX

Complaint narrative:
I am filing this complaint personally. After examining my credit history, I found late payments recorded. I sent correspondence regarding this issue over a month ago but have received no reply, nor have they provided adequate verification of these entries. I'm seeking your help to address this situation.

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 2024-09-17 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: TX

Complaint narrative:
I am filing this complaint personally. After examining my credit history, I found late payments recorded. I sent correspondence regarding this issue over a month ago but have received no reply, nor have they provided adequate verification of these entries. I'm seeking your help to address this situation.

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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Repeated harassing phone calls and being abusive trying to collect a debt i have no knowledge of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, Equifax, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at Capital XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX Bank on XX/XX/XXXX under the account number ( XXXX ), XXXX Card on XX/XX/XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX under the account number ( XXXX ), and an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), and an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of XXXX Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2024-09-17 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I'm reaching out for your assistance regarding the false information being reported on my credit report. This issue has seriously harmed my reputation, and I need your support to resolve it. Your mishandling of my report has left me in a difficult position, and this inaccurate information has ruined my credibility. You need to remove these incorrect details from my credit report.

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 2024-09-17 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
My father had a Coinbase account with his wife listed as beneficiary on the account. After his passing, I uploaded a death certificate and his will and requested the transfer be made to his wife. Coinbase repeatedly asked me for additional documents and a probated will from the state of XXXX. Every time I reply that the beneficiary was added to avoid probate, Coinbase continues to respond with their unnecessary document requests. Multiple times I have asked them simply to confirm their policy of if an account has a listed beneficiary would they still require the estate to go through probate and they ignore that question and respond only with the same document request. This has now been going on for two years while they unlawfully withhold assets from my late father 's wife. I have requested calls from the company and they will not comply. I forwarded a formal complaint directly with them and they simply responded with the same request for documents. My father held all of his eligible assets in joint tenancy with rights of survivorship with his wife, and for any accounts where that was not possible, she was listed as beneficiary. This was done specifically to avoid probate and Coinbase continually is requested a probated will when it is not necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: IL

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$550.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$320.00} XXXX XXXX  XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXI XX/XX/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

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