vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: OK

Complaint narrative:
I am writing to formally dispute an account reported by MILLENNIUM FINANCIAL GRO that has been listed on my consumer report. I am disputing the validity of any and all debts alleged to be owed to this collection agency. Additionally, I am revoking their right to contact or communicate with me in any way, effective immediately. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the regulations established by the Consumer Financial Protection Bureau, I am exercising my right to request debt validation. Specifically, I am requesting the following : 1. Validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), which has not been provided to date.

2. The purchase agreement between MILLENNIUM FINANCIAL GRO and the original creditor to establish their right to collect on this debt.

3. Proof that MILLENNIUM FINANCIAL GRO is licensed and bonded to collect debts in my state. 

I would like to bring to your attention that I have not been given the opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Furthermore, MILLENNIUM FINANCIAL GRO has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt.

MILLENNIUM FINANCIAL GRO has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law. This failure to comply constitutes a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

In light of these violations, I am requesting that the CFPB take immediate action to investigate and address this matter. I expect the account in question to be removed from my consumer report until proper validation is provided and my dispute is resolved. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I am prepared to provide any additional information or documentation that may be necessary to support my case.

Thank you for your attention to this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Credit Reporting by XXXX XXXX  XXXX Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX XXXX. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Revolving ( Credit Card ) - Original Creditor : XXXX XXXX XXXX XXXXXXXX : {$5400.00} - Date Opened : XX/XX/year> - Payment Status : Collection/Chargeoff The issues with this account are as follows : XXXX. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past three years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt.

2. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading. 

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. 

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA. 

I have previously disputed this matter with the credit bureaus ( TransUnion, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX XXXX  XXXX Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX XXXX. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Revolving ( Credit Card ) - Original Creditor : XXXX XXXX  - XXXX : {$5400.00} - Date Opened : XX/XX/2021 - Payment Status : Collection/Chargeoff The issues with this account are as follows : XXXX. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past three years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. 

2. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. 

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA. 

I have previously disputed this matter with the credit bureaus ( XXXX, Experian, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-05-25 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: MS

Complaint narrative:
I am formally writing this dispute to address XXXX XXXX  companys response to my request for investigation. 

As it stands, you have failed to consider all relevant information provided to you per 15 USC 1681s-2 ( 8 ) ( E ) ( ii ) Duty of person after receiving notice of dispute. I concluded this reason based on this companys response to my notice of dispute through the CFPB portal. I was very clear about the issues connected to the account this company has furnished with consumer reporting agencies.

If this account is accurate as you say, then who is going to correct the inaccuracies that are connected to XXXXXXXX XXXX XXXX  that I am currently seeing? 

Surely, the consumer reporting agencies will not do it because THIS company is giving them the green light to keep the account as it is, uncorrected. 

Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX  ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 

As seen on the highlighted consumer disclosure report that has come directly from XXXX that I provided to you as my proof of claim, there are currently ND ( No data ) notations being reported, a random 90-day late payment and 180-day late payment notation that is shown in my consumer report. I will not allow this misinformation to ruin the integrity of my consumer report. 

This response is not the same complaint. The nature of the complaint is completely different. This is a demand for deletion as remedy for failure to comply with the FCRA

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 2024-05-25 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: MS

Complaint narrative:
I am formally writing this dispute to address XXXX XXXX  companys response to my request for investigation. 

As it stands, you have failed to consider all relevant information provided to you per 15 USC 1681s-2 ( 8 ) ( E ) ( ii ) Duty of person after receiving notice of dispute. I concluded this reason based on this companys response to my notice of dispute through the CFPB portal. I was very clear about the issues connected to the account this company has furnished with consumer reporting agencies. 

If this account is accurate as you say, then who is going to correct the inaccuracies that are connected to XXXX XXXX XXXX that I am currently seeing? 

Surely, the consumer reporting agencies will not do it because THIS company is giving them the green light to keep the account as it is, uncorrected. 

Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX  ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 

As seen on the highlighted consumer disclosure report that has come directly from XXXX that I provided to you as my proof of claim, there are currently ND ( No data ) notations being reported, a random 90-day late payment and 180-day late payment notation that is shown in my consumer report. I will not allow this misinformation to ruin the integrity of my consumer report. 

This response is not the same complaint. The nature of the complaint is completely different. This is a demand for deletion as remedy for failure to comply with the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: MS

Complaint narrative:
I am formally writing this dispute to address XXXX XXXX  companys response to my request for investigation. 

As it stands, you have failed to consider all relevant information provided to you per 15 USC 1681s-2 ( 8 ) ( E ) ( ii ) Duty of person after receiving notice of dispute. I concluded this reason based on this companys response to my notice of dispute through the CFPB portal. I was very clear about the issues connected to the account this company has furnished with consumer reporting agencies. 

If this account is accurate as you say, then who is going to correct the inaccuracies that are connected to XXXX XXXX  XXXX  that I am currently seeing? 

Surely, the consumer reporting agencies will not do it because THIS company is giving them the green light to keep the account as it is, uncorrected. 

Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX  ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 

As seen on the highlighted consumer disclosure report that has come directly from EXPERIAN that I provided to you as my proof of claim, there are currently ND ( No data ) notations being reported, a random 90-day late payment and 180-day late payment notation that is shown in my consumer report. I will not allow this misinformation to ruin the integrity of my consumer report. 

This response is not the same complaint. The nature of the complaint is completely different. This is a demand for deletion as remedy for failure to comply with the FCRA

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 2024-05-25 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: CA

Complaint narrative:
I am writing to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. Please consider the significance of this issue and its impact on my financial wellbeing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: CA

Complaint narrative:
I am writing to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. Please consider the significance of this issue and its impact on my financial wellbeing. 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 non-monetary relief
Consumer complaint received 2024-05-25 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: CA

Complaint narrative:
This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: FL

Complaint narrative:
I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.

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 2024-05-25 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: FL

Complaint narrative:
I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.

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 2024-05-25 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: FL

Complaint narrative:
This complaint addresses fraudulent items on my credit report that are in violation of federal law. While I appreciate that some fraudulent entries have been removed, I noticed that several still remain on my updated report. Under the Fair Credit Reporting Act, 15 USC sections 1681, you are required to remove these items within the legally mandated time frame. The continued presence of these inaccurate items is negatively impacting my credit. Summary of the fraudulent items still showing on my report : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed ; {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX FL XXXX ; XXXX  XX/XX/year> ; XXXX XXXX Balance : {$5300.00}.

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