vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I am submitting this formal complaint regarding an inaccurate collection account that appears on my credit report. Despite my dispute with XXXX, the information has not been corrected or removed, and the matter involves violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically outlined in 15 U.S.C. 1692.

The account in question is from Caine & Weiner, a collection agency that has reported erroneous information on my credit file. I formally disputed this account with XXXX, providing evidence that the information is inaccurate and that the debt does not meet legal reporting requirements. However, despite my request for proper validation, XXXX has failed to remove or correct the inaccurate information, thereby allowing a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA to persist.

Specifically, Caine & Weiner has failed to provide adequate documentation proving the validity of the alleged debt and has continued to report erroneous information without proper verification. This action is in direct violation of 15 U.S.C. 1692e and 15 U.S.C. 1692g, which require debt collectors to provide proper validation of a debt upon request and prohibit the use of false or misleading information. 
I request the CFPB to take immediate action to investigate this matter and ensure compliance with federal law. I also urge you to hold XXXX and Caine & Weiner accountable for their failure to adhere to legal requirements. Please provide me with an update regarding the actions that will be taken to address my complaint. 
Attached are copies of my dispute letter to XXXX, their response ( if any ), and any supporting documents demonstrating the inaccuracy of the collection account. Please let me know if additional information is required. 
Thank you for your time and assistance in resolving this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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: GA

Complaint narrative:
I want reported accounts removed 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TX

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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: SERVICEMAC, LLC
State: UT

Complaint narrative:
I am filing a formal complaint against my mortgage servicer, ServiceMac, for failing to process my Private Mortgage Insurance ( PMI ) removal request within their stated timeframes, despite my full compliance with their requirements and payment for a Broker Price Opinion ( BPO ). Their delays have resulted in unnecessary financial harm, including continued PMI payments and potential missed refinancing opportunities. 

Summary of Issue : After fulfilling all requirements outlined in ServiceMacs PMI Removal Request Form, I submitted my application. Below is a timeline of events demonstrating their failure to adhere to their stated processing timelines and their repeated lack of communication. 

Detailed Timeline of Events : XX/XX/XXXX : ServiceMac informed me via email that a valuation was required for PMI removal. They stated the only fee was {$190.00} for a BPO and that the review process would take up to XXXX business days following the inspection. 

XX/XX/XXXX : I paid the {$190.00} BPO fee, and ServiceMac confirmed my request, stating that an inspector would contact me within XXXX business days. 

XX/XX/XXXX : The BPO was conducted by XXXX XXXX with XXXX XXXX XXXX XXXX. Per ServiceMacs prior statements, this initiated the XXXX business day processing period. 

XX/XX/XXXX : After requesting an update, ServiceMac responded that they had not yet received the completed report from the investor and that processing could take XXXX to XXXX business days from the investors quality control review. 

XX/XX/XXXX - XX/XX/XXXX : I followed up with XXXX separate emails ( on XXXX, XXXX, and XX/XX/XXXX ), each requesting an update as the XXXX deadline had passed on XX/XX/XXXX. I received no response. 

Various phone calls : During multiple calls, I was reassured that a decision was forthcoming, but no action was taken. 

XX/XX/XXXX : After yet another phone call, a representative disclosed that due to high volumes, my request would take an additional XXXX business days, starting from XX/XX/XXXX. This contradicts their initial timeline and means I will be waiting nearly a month beyond their stated deadline.

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 2025-03-11 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: AL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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: AL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
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 Re : Request for Removal of Reinserted Account Section 15 USC 1681i ( a ) ( 5 ) ( B ) To Whom It May Concern, I hope this letter finds you well. I am writing to formally dispute an account that has recently been reinserted into my credit file. According to the Fair Credit Reporting Act, specifically Section 15 USC 1681i ( a ) ( 5 ) ( B ), when information that has been previously deleted is reintegrated into a credit report, the credit bureau must notify the consumer within a reasonable period, and provide the details of the reinsertion. 

The account in question is related to XXXX XXXX Account number : XXXX and I previously disputed this account, which was deleted from my credit file as a result. However, I have noticed that it has since been reinserted without proper notice or documentation. 

Section 611 of the FCRA states that the credit reporting agency ( Equifax ), must notify the consumer within XXXX ( XXXX ) business days of reinsertion. Additionally, under 15 USC 1681i ( a ) ( XXXX ) ( B ), it is required that any reinserted information must be accompanied by proper verification. Therefore, I am requesting that you : XXXX. Provide me with the details of the reinserted account, including any documentation that supports the reinsertion. 

XXXX. Remove the account from my credit file if you are unable to provide the necessary documentation to support its reentry. 

Please investigate this matter and remove the account from my credit file if the proper verification can not be provided, as this is in accordance with the Fair Credit Reporting Act. 

I look forward to your prompt resolution of this matter, and I would appreciate your response within 30 days, as mandated by the Fair Credit Reporting Act. Should you need further information, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: COMMERCE BANK
State: KY

Complaint narrative:
It shows XX/XX/year> a card was opened in my name but I never opened a commerce bank card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

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 2025-03-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 XXXXXX/XX/XXXX Equifax Legal Grounds XXXX Fair Credit Reporting Act XXXX FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms. I am not participating in the collection of this alleged debt. Cease and desist asap. 
Title : TRANSWORLD SYSTEM INC/ Account No. XXXX XXXX shown : {$350.00} This account does not belong to me at all and still shown in my credit report. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Everyday for the past year I have received calls back to back from Spring Oaks Capital starting at XXXX even sometimes past XXXX. They call back to back, I get about XXXX calls a day which is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account with my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2025-03-11 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: VA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account with my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian Entertaining XXXX XXXX XXXX  ... XXXX XXXX XXXX owner of credit report wants Experian to remove the entity that is XXXX XXXX to credit gain and productive establishment... 
You had XXXX months ... .to remove yourself... 
But you tried to overcharge A Consumer And you failed to do IRS Credit report A person is insolvent And can not be debt liable Experian need to get off their XXXX And stop sending the consumer Bs XXXX years of credit of credit history and you XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX  years Because XXXX company writing some Bs Misinterpretation You all need to be XXXX XXXX XXXX XXXX XXXX fired As per Ores..Trump

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 2025-03-11 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: Ray Klein, Inc.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation