vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: CHERRY TECHNOLOGIES INC.
State: LA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Louisiana Laws Dear CHERRY TECH, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Louisiana state law regarding identity theft and fraud. 

It has unequivocally come to my attention that CHERRY TECH has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Louisiana Revised Statutes ( LRS ) Title XXXX provides clear guidelines regarding the protection of consumer information and credit reporting. This statute emphasizes the necessity of accurate and fair reporting practices and reinforces the importance of consumer consent in the sharing of personal information. Furthermore, under LRS Title XXXX, which addresses identity theft and the illegal use of another persons identifying information, it is clear that the unauthorized use of personal data, including credit reporting, is a serious offense under Louisiana law. 

I assert with unwavering certainty that I have not provided consent for CHERRY TECH to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CHERRY TECH immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the applicable provisions of Louisiana law. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Louisiana state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CHERRY TECH will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX : A/c # XXXX, XXXX  XXXX XXXX  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. 

I looked at my EQUIFAX credit report On XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 ( i ) ( 5 ) they are suppose to do this ( XXXX ) treatment of inaccurate or unverifiable information : ( A ) in general after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681 ( s ) -2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Account was written off and still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: AL

Complaint narrative:
please remove these unauthorized accounts from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
I submitted a CFPB complaint ( XXXX ) on XX/XX/year>, regarding Equifax failure to delete information on my credit profile related to items reported as identity theft. According to 15 U.S.C. 1681c-2, which addresses the block of information resulting from identity theft, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft, no later than 4 business days after receiving notice of the identity theft. These accounts have significantly impacted me in various ways, including higher interest rates on loans, credit denials, and loss of job opportunities. Therefore, I request that these accounts be deleted immediately. 

XXXX XXXX XXXX, ACCT # : XXXX DEPT OF ED, ACCT # : XXXX DEPT OF ED, ACCT # : XXXX DEPT OF ED, ACCT # : XXXX DEPT OF ED, ACCT # : XXXX DEPT OF ED, ACCT # : XXXX DEPARTMENT OF JUSTICE FCU, ACCT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
My Robinhood credit card payments were made on XX/XX/year> and XXXX through ACH. The XX/XX/year> payment cleared my bank on XXXX. The XXXX payment cleared my bank on XXXX. However, neither payment has posted to my credit card balance as of XXXX. They have indicated the first payment would post on XXXX and the second on XXXX, and that they can hold ACH payments even once it's cleared. They also indicated that there is no method by which the payment posting can be expedited, and when I asked to file a complaint, I was not given any method by which to do so. The first time I asked, I was ignored. The second time, I was told that " I have documented your concerns and will pass them along to the appropriate team. '' The third time, " We have recorded your complaint internally '' with nothing to confirm it actually occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
There are several inquiries on my credit report on or around XX/XX/year>, I did not authorize them and they do not have any legal purpose authorized or acknowledged by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are several inquiries on my credit report on or around XX/XX/year>, I did not authorize them and they do not have any legal purpose authorized or acknowledged by me.

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 2024-10-03 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: IL

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights.U.S Department Education - XXXX U.S Department Education - XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX .After reviewing my credit report from all three credit bureau XXXX and noticed some things are incomplete, and not accurate. In Accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report.After investigation the credit bureau state my account was properly investigated, But how is that possible If the date last active is inaccurate, No. of months ( terms ) is inaccurate along with other inaccuracies and inconsistency. This Is ground for removal and also a violation under 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 : States A Consumer Reporting Agency CAN NOT Furnish A Account Without My Written Instructions

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 2024-10-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear, Experian I am writing to formally dispute unauthorized or fraudulent inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. Please remove this unauthorized inquiries from my credit report. They are hurting my ability to obtain credit.

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 2024-10-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Subject : Request for Removal of Closed Fraudulent Account Dear XXXX, I am writing to formally dispute the presence of a closed fraudulent account on my credit report. The account in question is listed under the following details : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account was opened fraudulently without my knowledge or consent. I am not responsible for any transactions made on this account, nor did I authorize its creation. To support my claim, I am including the following documentation : A copy of my government-issued PASSPORT A copy of the identity theft report filed with the FTC ( if applicable ) Any correspondence I have had with the creditor regarding this fraudulent account In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove the fraudulent account from my credit report. Please update my file to reflect the removal and provide written confirmation of the actions taken because of your investigation. 
I appreciate your attention to this matter. Please feel free to contact me at my address listed above. 
Thank you for your prompt assistance in resolving this issue. 
Sincerely, 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 2024-10-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Subject : Request for Removal of Closed Fraudulent Account Dear XXXX, I am writing to formally dispute the presence of a closed fraudulent account on my credit report. The account in question is listed under the following details : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account was opened fraudulently without my knowledge or consent. I am not responsible for any transactions made on this account, nor did I authorize its creation. To support my claim, I am including the following documentation : A copy of my government-issued PASSPORT A copy of the identity theft report filed with the FTC ( if applicable ) Any correspondence I have had with the creditor regarding this fraudulent account In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove the fraudulent account from my credit report. Please update my file to reflect the removal and provide written confirmation of the actions taken because of your investigation. 
I appreciate your attention to this matter. Please feel free to contact me at my address listed above. 
Thank you for your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Request for Removal of Closed Fraudulent Account Dear Experian, I am writing to formally dispute the presence of a closed fraudulent account on my credit report. The account in question is listed under the following details : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account was opened fraudulently without my knowledge or consent. I am not responsible for any transactions made on this account, nor did I authorize its creation. To support my claim, I am including the following documentation : A copy of my government-issued PASSPORT A copy of the identity theft report filed with the FTC ( if applicable ) Any correspondence I have had with the creditor regarding this fraudulent account In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove the fraudulent account from my credit report. Please update my file to reflect the removal and provide written confirmation of the actions taken because of your investigation. 
I appreciate your attention to this matter. Please feel free to contact me at my address listed above. 
Thank you for your prompt assistance in resolving this issue. 
Sincerely, 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 2024-10-03 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: PA

Complaint narrative:
I was completely caught off guard this morning when I discovered inaccurate accounts on my credit report, and I dont understand why theyre there. I check my credit report regularly, but this time, these discrepancies appeared out of nowhere. I even tried refreshing my browser, thinking it was some kind of error, but they didnt disappear. The inaccurate accounts stayed on the report. I need the documents Ive sent to be reviewed thoroughly so that I never have to worry about this happening again.

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 2024-10-03 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: GA

Complaint narrative:
To whom may concern : I am a victim of identity theft the accounts listed below are not any companies that I have applied for credit from. They are all accounts opened without my knowledge or permission. They are fraudulent and need to be removed immediately. 
I have filed the proper documents with my local law enforcement agency as well as with the FTC. I am providing you copies of these items to support my case. So with all that I mentioned and the supporting documentation you must follow the law and remove these items. 

Accounts to remove : XXXX XXXX - # XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX - {$3000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$50000.00} Thank You!

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 2024-10-02 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: UT

Complaint narrative:
In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : Creditor : XXXX Business Type : -Date of Inquiry : XX/XX/XXXX Creditor : XXXX XXXX XXXX Type : -Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 
This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!

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