vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Fate XXXX Laws Dear XXXX XXXX I am writing to address 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 ), the XXXX  Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically XXXX Penal Code Section 32.51 . It has unequivocally come to my attention that XXXX XXXX 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, Texas state law, specifically Section 392.301 of the XXXX Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the XXXX Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as XXXX Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. I assert with unwavering certainty that I have not provided consent for XXXX XXXX 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 XXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and XXXX XXXX and XXXX of the XXXX XXXX XXXX. 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, Texas state law, and identity fraud laws. 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 DPT ED/AIDV will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Doneingoodfaith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On Saturday XXXX XXXX, between XXXX and XXXX EST, I drove to a local BoFA branch where they had a drive up ATM.

I proceeded, as one does, to deposit the cash I had on hand ( {$2100.00} in 20 {$100.00} bills and 2 {$50.00} bills denominations ) into the ATM ( atm number is XXXX ). 

The atm counted the money, however, the machine had only counted {$1000.00}. So I freaked out and decided that I will not proceed with this deposit as the ATM counted the wrong amount. So I pressed cancel and the machine spit out {$1000.00} ( in different denominations ). I decided to park and walk into the branch where I was told no one can help me but that I should call the claims department, the branch manager had said it just happened to someone right before me with {$6000.00} and the atm only counted {$100.00}. however, I ended up handing the cashier inside the BoFA branch the {$1000.00} all while I was on the phone making the claim with BoFA. 

I made the claim ( XXXX ) that same day on Saturday and i was told that in 2 business days I will be updated. 4 business days went by and nothing happened.

I called and they said they can try to put in a special request to get a temporary credit of the {$1100.00}. They also said It will take 10 business days. 10 days later ( XX/XX/XXXX ) they tell me that they never found a deposit in my account for XXXX, and that they looked at the ATM between XXXX XXXX. I dont understand what investigation they did, because it seems like they did nothing. and I was told when I called on XX/XX/XXXX that no one looked at any cameras after I told them they can check the ATM, branch and drive through cameras. I work for XXXX XXXX and I know as a fact that this happens as well and its considered an operational risk. 

Keeping in mind that all this while I couldve had XXXX cash in hand. An inconvenience and BoFA just doesnt make it easy. I tried to escalate the case, I called 3 times on XX/XX/XXXX and XX/XX/XXXX to escalate the case, but it says its closed. 

Now they say that by XX/XX/XXXX the money will be taken out of my account. The person that I called on XX/XX/XXXX told me that they never looked at the any of the cameras nor the atm. 

Now its XXXX days out so they obviously wont find the cash stuck in the atm because they have a servicer that comes and checks the ATMs 1 time a week at minimum.

So I dont understand how they came to this conclusion but I am not paying a XXXX back because I dont owe them anything. 

Meanwhile my account balance will continuously decrease because of the XXXX XXXX monthly service fee. And an FYI my account with them has been open for maybe 2 months 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 monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: TN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Marcus by Goldman Sachs is committing XXXX  crimes to hold on to client 's money. Please investigate them. Today I had the same problem with them that I have had XXXX times in the past XXXX months ; once was with my mother 's account. She is an elderly woman and I was consolidating her accounts so that she could pay her rent and Marcus called the funds back FOR NO REASON. 

I had A CD maturing on XX/XX/XXXX at Marcus. I asked them to put my cash proceeds of this CD into a market money market account, which they did on the XXXX. There is NO settlement issue as the cash is coming from a Marcus CD and going into a Marcus account.

I tried to transfer the cash out of Marcus as they are crooks. I transferred $ XXXX to XXXX and $ XXXX to XXXX. BOTH TRANSFERS WERE CALLED BACK FOR NO REASON WHATSOEVER OTHER THAN THEY CAN NOT LET MONEY LEAVE THEIR GREEDY LITTLE HANDS. THERE IS NO REASON that that cash did not settle. Marcus was holding my cash and they refused to transfer it out. 
IT IS XX/XX/XXXX and MARCUS CALLED BACK A TRANSFER DONE ON XX/XX/XXXX. 



For some reason they could not text me a XXXX time code ( although I had just received on to view my account ). The customer service rep said that the only way he could verify me was by calling me back ( " I will call you back in XXXX minutes '' ). That was XXXX minutes ago. 

When i did not receive the first call back, i called again and spoke with XXXX. He gave me the same XXXX  - he asked for me social security number, birthday, secret word and THEN said that he could not verify me and because he could not verify me, he could not send my call to a supervisor. I called Marcus to ask for help and they spent XXXX minutes " trying to authenticate me '' and they told me that they could not authenticate me using my driver 's license because I was from XXXX (! ) He said that I would get a call back from a supervisor in XXXX days! ~!!!! Meanwhile I desperately need that money and they will not help me! THIS IS LIKE A THIRD WORLD BANKING PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: AK

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 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 2024-08-15 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: AK

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 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 2024-08-15 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: TN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
I need your help with this incorrect account showing up on my credit report. I have brought this to your attention because it has been damaging to my reputation, and I urgently require your assistance. Due to your mishandling of my credit report, the incorrect information has ruined my reputation. It's imperative that these mistakes are corrected so I can live a normal life with my family.

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 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: AL

Complaint narrative:
In XXXX a salesman I let in my home to demonstrate a vacuum cleaner took my information and texted the man waiting outside my information. While he told me I had XXXX days to test it whether I kept it or not and then if I decided to keep it they would do a credit check. But he texted my information and then I had a loan. The guy didnt show up XXXX days later. XXXX seems to be ok with theft. Please help. XXXX XXXX services has the debt of {$4400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: MO

Complaint narrative:
Greetings. This complaint is in reference to unauthorized information reflected on my credit reports with XXXX and Transunion. Each of the following companies provided me with a Privacy form that clearly outlined what information could be limited in regards to the sharing of my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each privacy notice for the disputed companies clearly state : Federal law gives you the right to limit only sharing for affiliates everyday business purposes information about your CREDIT-WORTHINESS affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

These companies are not authorized to share my information with affiliates or non-affiliates. In accordance with the Privacy Forms provided, Affiliates are companies related by common ownership or control. They can be financial and non financial companies. Nonaffiliates are companies not related by common ownership or control. They can be financial and non financial companies. 

XXXX and Transunion are non-affiliates by each company 's definition. Furthermore, each Privacy form provides a method to limit such sharing. I have followed the instructions per the Privacy forms and called and confirmed with each company that information about my CREDIT-WORTHINESS is NOT to be shared. Each company has confirmed that the necessary steps were taken, however these companies are still showing up on my credit report. This is a blatant violation of federal law and my rights as a federally protected consumer. I have attempted multiple disputes with XXXX and Transunion yet no changes have been made. 
The activities of the mentioned furnishers have compromised the accuracy and integrity of information furnished to the consumer reporting agencies. By not honoring my request to limit the sharing of information regarding CREDIT-WORTHINESS, the companies are furnishing information that is materially misleading.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND DISCOVERED A BANKRUPTY ITS A GROSSLY ERROR BEING REPORTED

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 2024-08-15 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: TN

Complaint narrative:
My account with 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 those account 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 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 2024-08-15 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: TN

Complaint narrative:
My account with 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 those account 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 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 explanation
Consumer complaint received 2024-08-16 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: NV

Complaint narrative:
XXXX and Transunion have been unable to proivde me with verification of the debt per FCRA. 
Ive notified both agencies of the identity theft, Further there is a long term fraud alert and has been on all reporting agencies since the OPM OBM government leak of personal information. 
Ive filed an identity theft report for the items of XXXX XXXX XXXX XXXX These agencies have refused to remove the fraud from my report, At this time I have retained counsel and am sending this and the FTC report via certified mail again, These companies have 14 days to remove these items of fraud from my report or face civil damages. 
I am prepared to file suit in XXXX XXXXXXXX XXXX XXXXXX/XX/2024 should all this not be delted from my files. 
I plan on filing suit against the companies reporting the info AND the Bureau publising the infomation as both violate 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On ( XXXX ), I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly.

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