vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WAFD BANK
State: ID

Complaint narrative:
On XX/XX/2024 My phone was phished by calling XXXX XXXX  to discuss why my bank transfer from Washington Federal Bank had not been processed yet, during that call the member on the other line indicated that they were looking into it but we got disconnected when I was placed on hold.The account was in my husband  XXXX XXXX name and number they sent him a text message see attached to tell him to call them back, which I only saw at a later time. After that point, I noticed my XXXX XXXX had XXXX purchased and sold, and several transactions were processed see attached photos. Transactions started at XXXX XXXX  with them trying to add {$750.00} to my XXXX XXXX account it was declined and failed, at that point they then added XXXX to the account which they then purchased XXXX in XXXX I had a money balance on my XXXX XXXX account that they also used. From there they attempted to add XXXX and were declined/failed @ XXXX XXXX, they then attempted to add XXXX and it was declined/failed. then XXXX was again decline/failed again attempting to add XXXX failed, at this point at XXXX they added a debit card that was saved to my phone that was attached to my sons Washington Federal Bank account and moved XXXX to my Washington Federal Checking account where they then were able to add XXXX dollars to XXXX XXXX  @ XXXX at that time they sold the XXXX  on XXXX XXXX for XXXX. There was another attempt to add XXXX to XXXX XXXX  which was declined and marked as fraud by XXXX XXXX @ XXXX XXXX  after that they cashed out XXXX to my XXXX  account see attached photos. at XXXX XXXX  they made another attempt to add money to XXXX XXXX for XXXX which failed. At this point the money was all gone from mine and my son 's Washington federal accounts and XXXX XXXX and was all moved to my XXXX  account see attached photos. Meanwhile they were doing the same thing in XXXX  they moved all monies from our Credit builder account into the checking account and sent XXXX to a XXXX XXXX XXXX XXXX XXXX. At XXXX they moved the XXXX from XXXX XXXX to XXXX, at XXXX XXXX  they sent XXXX to XXXX  XXXX then again @ XXXX XXXX  they send XXXX to same person leaving {$5.00} left in my XXXX XXXX account. At which point I saw all the transactions and immediately started online fraud cases with XXXX XXXX and Washington federal. I called all 3 as well to inform them of what was going on so that they could freeze my accounts. 
XXXX XXXX has opened 2 cases not and indicated that because it was done from my phone that it was done with my knowledge, which it was not, that they are declining my requests for fraud and will not seek further approval for repayment. 
I am still currently waiting on the cases from Washington Federal and XXXX XXXX. 
Thank you for your assistance with this matter and all that you can do to help me with helping me to obtain a solution in my case

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and Transunion are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Transunion whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-01-20 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:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are signed by me and I would like them to remove from any affiliation with me immediately.Accounts : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : XXXX XXXXXXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/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 2024-01-20 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Hi, Department of EducationXXXX XXXX XXXX reporting inaccurate information on my credit report. There are three loans reflecting the dates of XXXX and XXXX. That is still appearing on my credit report with all three credit bureaus. I have disputed this numerous times and XXXX XXXX XXXX keeps updating over XXXX loans. This is affecting my credit and putting a hindrance on my purchasing my XXXX and newborn a new home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$120.00}

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 non-monetary relief
Consumer complaint received 2024-01-20 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$120.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: FL

Complaint narrative:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} 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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've been a victim of identity theft

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 2024-01-20 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: IL

Complaint narrative:
I've been a victim of identity theft

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 2024-01-20 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TX

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 confidentiality under 15 USC 1681.

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 ( A ) ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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 have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are signed by me and I would like them to remove from any affiliation with me immediately.Accounts : XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX : $ XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$450.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/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 2024-01-20 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 have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are signed by me and I would like them to remove from any affiliation with me immediately.Accounts : XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: Kashable LLC
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
- XX/XX/2023 - {$100.00} - I went with a group to the dine-in XXXX  for the first time. Upon arrival we went into the theater and it was an absolute mess everywhere. There was sauce, and trash all over the table trays above the seats, and in the aisles. The movie was going to start within the next XXXX minutes and the theater was a mess. This was brought to the workers attention and this was fixed completely right as the movie was starting. My group all ordered food at the kiosks before the film. My partner and I ordered on our own separate bill. About an hour into the film we received popcorn and our sodas. My partner is diabetic and was given a normal XXXX  and we didnt know until his blood sugar was elevated. Lastly, we never received our actual food items. Everyone else around XXXX received food and we never got it. When we approached the service workers about it they told us the kitchen was now closed. This was an absolute horrible experience and we were not able to even enjoy the movie because from start to finish it was just horrible. I have disputed this charge multiple times and XXXX just has my bank reinstate the charges. All I want is a refund from the company. XXXX doesnt even have the courtesy to reach out and actually talk to me about the situation. I have sent support tickets and have NEVER heard back. Such a bad company, and clearly they do not care about their customers. 

- I have disputed the charge twice with my Apple credit card ( which I believe is ran by XXXX XXXX ) and XXXX sends them a generic response and they deny my refund. I have filed with the better business bureau. The services were completely different than what's expected. Honestly, they were pretty much non-existent. It is ridiculous that these companies can just talk to one another without actually taking into consideration my concerns and problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Immediate Action Required : Unauthorized Inquiries Impacting My Credit Report Dear TransUnion, I trust this letter finds you well, although the urgency of its contents demands your immediate attention. Pursuant to the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq., specifically 1681b, and North Carolina General Statutes 75-64, subsection ( a ) ( 4 ), I am compelled to address a matter of utmost importance concerning my credit profile.

Upon meticulous review of my consumer report, I have identified unauthorized inquiries from XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX, severely impacting my creditworthiness. This not only infringes upon the FCRA but also constitutes identity fraud, as explicitly defined by the Identity Theft and Assumption Deterrence Act - 18 U.S.C. 1028 ( a ) ( 7 ).

I assert, with unwavering confidence, that even within the scope of a permissible purpose, the consent of the consumer is indispensable, as stipulated by the Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq., particularly 6802 ( e ) ( 1 ). In these instances, no such consent has been granted. 

The adverse impact on my creditworthiness, a direct violation of the Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510-2522, especially 2511 ( 1 ) ( c ), is intolerable. In alignment with North Carolina General Statutes 75-64, subsection ( b ) ( 2 ), I insist that immediate action be taken to rectify this situation.

I maintain that these items are unverifiable, invoking the Privacy Act of 1974 - 5 U.S.C. 552a, particularly 552a ( d ) ( 1 ). I, therefore, demand that, in accordance with the Computer Fraud and Abuse Act ( CFAA ) - 18 U.S.C. 1030 ( a ) ( 2 ) ( C ), TransUnion expeditiously deletes these unauthorized and unverifiable items from my consumer report within the next XXXX  days. 

Failure to do so will be construed as willful noncompliance on the part of TransUnion, an offense for which you can be held civilly liable, as explicitly stated in 1030 ( g ) of the CFAA. 

I expect a swift resolution, and I anticipate written confirmation once the unauthorized inquiries have been expunged from my consumer report. 

Done in good faith.

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