vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
I am writing to file a formal complaint against Caine & Werner for multiple violations of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable laws. 

Details of the Complaint : 1. Unfamiliar Debt Collection Entry : On XX/XX/year> I noticed a sudden and unexpected collection entry for {$170.00} from Caine & Werner on my credit report. 
I have never conducted any business with Caine & Werner. 
I was never notified of any debt allegedly owed to Caine & Werner. 
2. Failure to Verify Debt : Caine & Werner made no attempt to verify the alleged debt in accordance with the FDCPA, specifically 15 U.S.C. 1692g ( b ). 
There was no communication from Caine & Werner regarding this debt before it appeared on my credit report. 
3. Negative Impact on Credit : This erroneous collection entry has negatively affected my credit score. 
The presence of this unverified debt on my credit report has caused financial and reputational harm. 
4. Violation of Privacy : If Caine & Werner purchased this debt from another party, it constitutes a violation of my privacy. 
According to 15 U.S.C. 1692c ( b ), I did not give permission for my personal information to be shared or sold to a third party. 
5. No Contractual Obligation : I have no contractual obligation to pay any debt to Caine & Werner. 
As I have no agreement with this company, their actions are both unfounded and illegal. 

Laws Violated : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Violation of 15 U.S.C. 1692g ( b ) for failing to verify the debt.

Violation of 15 U.S.C. 1692c ( b ) for unauthorized sharing of personal information.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : Violation of 15 U.S.C. 1681s-2 ( b ) for furnishing inaccurate information to credit reporting agencies without proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2024, I transferred XXXXXXXX XXXX XXXX XXXX  from my Chase XXXX XXXX  credit card to XXXX XXXX XXXX XXXX with the intention of redeeming an award ticket. On XX/XX/2024, I transferred an additional XXXX points to my partner 's XXXX XXXX account for the same purpose. 

The points transfer to XXXX XXXX was not completed until XXXX hours later, and the transfer to my partner 's XXXX XXXX account remains pending as of writing ( more than XXXX hours after the transfer was initiated ). 

This is despite Chase advertising ( through its partner travel website XXXX XXXX XXXX  ) instantaneous transfer to XXXX XXXX XXXX XXXX XXXX. Additionally, Chase claims in the order summary of each points transfer that most transfers process instantaneously. It is deceptive for Chase to claim instantaneous points transfer while surreptitiously caveating that it may take an indefinite amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: MI

Complaint narrative:
On XX/XX/2024 I learned that someone tried to obtain credit and/or loans using my personal information. I also learned that my information is on the black/dark web. I called TransUnion to make them aware that I didn't make nor authorize the inquiries. A dispute was filed and I also called the companies who are reporting the inquiries. XXXX XXXX has since removed the inquiry. I was not able to reach XXXXXXXX XXXXk XXXX XXXX. But while working on this a new inquiry for XXXX has popped up on my credit report. It's also fraudulent. I have since put a freeze on my credit and would like for all of the inquiries to be removed.

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 2024-07-02 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: IN

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
We were advised that we could pay our escrow shortage of XXXX prior to XX/XX/2024 so our mortgage payment would remain the same. We paid XXXX on XXXX to the previous company ( XXXX XXXX XXXX ) and on XXXX we paid XXXX to Newrez Shellpoint ( current mtg company ). Shellpoint advised me last week they would conduct a re-analysis as our loan was newly acquired by them. However, they are unable to see our file/documents from the previous company. Now they are refusing to conduct a re-analysis and we paid the shortage in full ( XXXX ) prior to XX/XX/XXXX as advised and our mortgage payment increased - AFTER we cured the shortage. Lastly, I was advised that they will only do a re-analysis of our escrow account if we switch to a new company for our homeowner 's insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: WA

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX5 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-07-02 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: WA

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-02 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:
My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-02 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-02 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX. I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
I was reviewing my consumer report and noticed inaccurate items in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

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 2024-07-02 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: IL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Omega RMS, LLC
State: FL

Complaint narrative:
Im not liable for this debt with OMEGA RMS. I do not have a contract with the collection agency trying to collect and report this to my credit. I did not sign any paperwork with OMEGA RMS. collection agency stating that i pay them or owe them any money so I do not have a contract with OMEGA RMS. and they did not provide me with the original contract as requested at the desired resolution on correction to my credit report. I demand this account be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I received paperwork in the mail that is just computer generated account bills which have my name on them, but I also obtained, through my own sources, the same paperwork of several individuals. Other than the names being different, the rest of the paperwork is identical. It is either fraud on the part of XXXX XXXX XXXX or it is major oversight on their part to protect stolen identities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: WI

Complaint narrative:
Yesterday I received an email and text message that an account for chime has been created. Today I received an email that a card would be sent to my address following this email. I called chime and canceled the account that was fraudulently opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
I am writing to formally file a complaint against Experian for their failure to block a fraudulent XXXX XXXX account from my credit report, despite my submission of all required documentation. This account, with the account number XXXX, is a result of identity theft, and Experian has not acted in accordance with the Fair Credit Reporting Act ( FCRA ) to address this issue. 

Details of My Complaint Proof of Identity Theft : I have submitted the following documentation to Experian : Proof of identity, including copies of my driver 's license and Social Security card. 
Proof of residence at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX for the past XXXX years. 
A Federal Trade Commission ( FTC ) Identity Theft Affidavit. 
A police report confirming the identity theft. 
Denied Requests : Despite providing the above documents, Experian has denied my request to block the fraudulent XXXX XXXX account. Instead, they have treated my block request as a dispute and returned it as verified without any context or proof that the debt belongs to me. 

XXXX XXXX Process : Experian has failed to conduct a proper investigation. The fraudulent XXXX XXXX account was verified by Experian without thorough verification, contrary to the requirements of the FCRA. 

Violations of the Fair Credit Reporting Act ( FCRA ) Experian 's actions violate several provisions of the FCRA, including but not limited to : Section XXXX ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within XXXX business days upon receipt of appropriate proof. 
Section XXXX ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information. 
Section XXXX ( 15 U.S. Code 1681s-2 ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information. 
Request for Immediate Action I respectfully request that Experian : Block the fraudulent XXXX XXXX account ( account number XXXX ) from my credit report as required by law. 
Provide written confirmation that the fraudulent account has been blocked. 
Cease any further reporting of this fraudulent account to all credit reporting agencies. 
I urge the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against Experian to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter.

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 2024-07-02 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: IN

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

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