vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nc XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Complaint Against Collection Agency for Violations of Consumer Protection Laws Dear Sir/Madam, I am writing to formally file a complaint against Credit Control Services for violating multiple consumer protection laws. I believe the actions of this collection agency have not only infringed upon my consumer rights but have also caused significant distress and harm to my credit standing.

1. **Failure to Provide Validation Information** : According to 12 CFR 1006.34 ( b ) ( 5 ), a collection agency is required to provide validation information upon request. Despite my repeated requests, Credit Control Services has failed to provide such validation information. Nevertheless, they have placed a collection on my consumer report, which I believe is unjust and unlawful.

2. **Denial of Opportunity to Dispute** : Under 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), consumers must be given a chance to dispute any accounts. I have not been given this opportunity by Credit Control Services, which further exacerbates the violation of my rights.

3. **Use of False, Misleading, and Deceptive Practices** : Credit Control Services has employed false, misleading, and deceptive means in their communication and reporting practices. This violates my consumer rights and is unacceptable.

4. **Unauthorized Furnishing of Information** : Per 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), a collection agency must provide all required disclosures before furnishing any information to consumer reporting agencies. Credit Control Services has not complied with this legal requirement and has furnished information without proper disclosure, which is a clear violation of the law.

Given these significant and multiple violations, I am requesting the CFPB to take immediate action against Credit Control Services. These actions include, but are not limited to : - Investigating the practices of Credit Control Services and holding them accountable for their violations.

- Ensuring that the unauthorized collection entry is removed from my consumer report.

- Requiring Credit Control Services to provide the necessary validation information and grant me the opportunity to dispute the account.

- Imposing appropriate penalties and corrective measures to prevent such violations in the future. 

I have enclosed copies of all relevant correspondence and documentation to support my complaint. Please acknowledge receipt of this complaint and inform me of the actions taken in response. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-06-18 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I mailed you a letter disputing my bankruptcy information contained in consumer reports compiled, maintained, and published by you, allegedly concerning the following Bankruptcy As per my records, you received my dispute letter in XX/XX/year> I. According, as per the FCRA you were required to conduct a reasonable investigation and [ modify or delete ] the disputed information as I requested before the end of the 30- day period on the date on which you received my dispute letter therefore your response was due on or by. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter claiming you investigated. 


Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because you stated you certified it was accurate. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate the dispute. Note you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such a determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to investigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly delete the disputed Information. Be advised this is not another dispute or opportunity for you to investigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.

Within [ 14 ] days ( 1 ) delete the disputed information as requested. My letter dated XX/XX/year>. 

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 explanation
Consumer complaint received 2024-06-18 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: MA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.

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 2024-06-18 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: MA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-18 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: MA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: MA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.

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 2024-06-18 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: FL

Complaint narrative:
I requested the inquiries be deleted and they removed it and sent me confirmation of its removal but yet its still on my credit report which IS ILLEGAL!!!! Im forced to seek litigation AN 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX  ownes XXXX XXXX XXXX and I have XXXX credit cards with them. 
XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX. it is XXXX XXXX  that is responsible for that fact XXXX is not reporting in a timely fashion. 

I have called XXXX XXXX  and they disconnect the call. 
I have called XXXX and XXXX people both told me they reported XX/XX/XXXX and that XXXX is the XXXX or XXXX that is not reporting the information. 
Finger pointing continues to go on in a time where we can get virtual reports. 

We have a company legal service and plan to call them today to start legal process against them for the lies, and lack of getting our report correct for an upcoming loan for a home my husband and I are working on. I have been reaching out to all of them for a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: GA

Complaint narrative:
XXXX XXXX  ownes XXXX XXXX XXXX and I have 2 credit cards with them. 
XXXX XXXX XXXX  XXXX and XXXXXXXX XXXX XXXX it is XXXX XXXX  that is responsible for that fact XXXX is not reporting in a timely fashion. 

I have called XXXX Bank and they disconnect the call. 
I have called XXXX and XXXX people both told me they reported XX/XX/XXXX and that Experian is the XXXX or XXXX that is not reporting the information. 
Finger pointing continues to go on in a time where we can get virtual reports. 

We have a company legal service and plan to call them today to start legal process against them for the lies, and lack of getting our report correct for an upcoming loan for a home my husband and I are working on. I have been reaching out to all of them for a month now.

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 2024-06-18 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:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.

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 2024-06-18 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:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-06-18 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: KY

Complaint narrative:
XXXX, Equifax & XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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 XXXX XXXX XXXX. 
Items listed above, have violated my rights. 
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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX 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 Remove non-employer : XXXX XXXX XXXX XXXX XXXX Update billing error : - XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX ), XXXX XXXX XXXX Opened : XX/XX/XXXX ( Update payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to PAID ON TIME ) - XXXX  XXXX XXXX XXXX Account XXXX XXXX ), XXXX XXXX XXXX XXXX Opened on : XX/XX/XXXX ( Update payments XX/XX/XXXX to PAID ON TIME ) Remove Fraudulent Accounts Listed Below : - XXXX ( Account # XXXX ), {$7800.00} XXXX XXXX, Opened : XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX ), {$8900.00} XXXX XXXX Opened : XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX Account # XXXX ), {$1600.00} XXXX XXXX, Opened : XX/XX/XXXX - XXXX  XXXX ( Account # XXXX ), {$1400.00} XXXX XXXX Opended : XX/XX/XXXX - XXXX XXXX XXXX  ( Account XXXX XXXX XXXX, {$3900.00} XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX ( Account # XXXX ), {$710.00} XXXX XXXX  XX/XX/XXXX - XXXX XXXXXXXX, XXXX ( Account XXXX XXXX ), {$290.00} Closed, Opened : XX/XX/XXXX - XXXX XXXX XXXX ( Account # XXXX ), {$100.00}, Opened : XX/XX/XXXX - XXXX XXXX ( Account # XXXX ), {$900.00}, Opened : XX/XX/XXXX - XXXX XXXX ( Account # XXXX ), {$710.00}, Opened : XX/XX/XXXX - XXXX  ( Account # XXXX ), {$290.00} XX/XX/XXXX Remove Fraudulent Inquiries listed below : - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into 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