davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc (FL)

After renting a house in an economically challenged neighborhood, my wife and I were forced to remove ourselves from the property due to ongoing threats of extreme violence from the neighbors. In doing so, we had to make arrangements with the property owner, XXXX. Our agreement was a verbal one and we were to receive a written statement, I am not sure where it went as we moved in a hurry. The agreement included cash as well as all of our brand new appliances ( cash value was more than the debt ). We just need to get out. A year had passed when we first noticed a collection company reporting we owed someone we not aware of. We never received a written statement of this debt, just that it seemed to appear out of nowhere. Unfortunately, this debt gets removed and the replaced. Now the collection is still ongoing and still noting in writing from them, I have sent a register letter to acquire this information in writing. The ongoing effort to collect a debt that we do not owe is being done by a company that is not licensed to collect debts here in the of Florida!
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of items that do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} 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 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 XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the credit REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of items that do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the credit REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

I have a discover credit card and on XX/XX/XXXX I send a payment of XXXX to pay a balance that was due ( XXXX ) in XX/XX/XXXX because after that date is going to increase the interest from 0 % to 24 % .I call them and explained the way that I want to apply my payment.They received my payment on XX/XX/XXXX and They didnt apply it and after XXXX XXXXThey are charging me XXXX dollar a month on interest for that amount ( XXXX ), I call them in the begging of XXXX and explained everything and They told me that I dont have any decision the way that payment is applied, that They decide it. 
I feel They are using a excuse to rip me off with the interest. Can you please help me
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

In XX/XX/XXXX, Trans Union placed a collection account in the amount of {$920.00} on my credit report, from a company, XXXX XXXX XXXX. There was no letter of notificaiton of the debt. Additionally, the " investigation '' did not provide the original document/promissary note, nor my signature that I agreed to pay this debt. No validation was suppled when disputed. I have never lived in, nor did business with any organization in Florida, nor with XXXX XXXX in XXXX. Trans Union states the debt is valid, but, no proof of the debt has been provided. 

I have written to the company for request for validation and it was ignored. 
TransUnion - Dispute po box XXXX XXXX, PA XXXX
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

disclaimer : i already filed a complaint with the XXXX in XXXX. i got a call from a company that said it was debt collection company, ERC located out of XXXX, fl, according to the letter they sent afterwards, and they said i owed at & t {$45.00}. i believe it's a scam for 3 reasons : 1 ) when they called me ( and they only called once ) and i answered, it took between 5-10 seconds for them to answer back. red flag right there. 2 ) they got my name wrong. and 3 ) i stopped using at & t in 2015 and now they've decided i have an unpaid debt? - please look into this matter asap. they said they'll report me to the credit score companies if unpaid after 30 days. thank you. ps - i don't have anything to upload because all this is news to me. i really don't know what this company is talking about.
Consumer complaint received 2017-03-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Integrated Recovery Services (CA)

A call from integrated services it was a robocall. Basically the voice said that they were attempting to contact but they bleeped that name out. The recording went on to say that they gotten some legal paperwork and if I did n't get ahold of them today that I was going to be facing federal and state charges for not paying a financial Institution. At the time I did not know the company 's name that called but I did a little research I found out that their name was integrated services after that point I did a web search and found out that there is no law firm by that name.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX days ). Please let me know if you require anything else. Please remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please comply with the law.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CT)

My home located at XXXX XXXX XXXX XXXX, CT was forclosed. I tried in court to keep my home after my divorce, but Wells Fargo wanted me out. Here is my story. The mortgage was on my name and during divorce court allowed my wife to live in the house as long as she wanted, but she did not pay mortgage. When she finally moved out after several months i fought with Wells Fargo to keep the house. I paid a huge down payment and i loved the house. Since divorce i rented an apartment and i could not just pay both mortgage and rent at the same time so i rented out the house. Having tenants paying rent was not enough to keep the house if babk want your home so i lost the house. They scheduled auction when i was away for weekend. Auction was on Sunday in front of my house and one person showed up. Wells Fagro sold house to themself. Realtor locked the house offering my tenants huge amou t of money to move out witin 24 hours so they can lock the house. I could not get any items from attic or basement. Appliances. Tv and many things were locked and I locks changed ... .within hours. This is how they operated.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX .... 
Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$480.00}
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$600.00}
Consumer complaint received 2017-03-17
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (NJ)

Ally 's so-called " XXXX is a total rip-off! They falsely advertise that 'your rate goes UP if/when the Fed raises rates ''. They are LIARS! In 4 years times I was to receive rate hikes when The Fed raised rates - which The Fed did - twice. The first time The Fed raised by 0.25 % I was given only 0.04 %! The second time I got NOTHING except a snot letter from Ally that rates are 'raised solely upon OUR choice ''!
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive contacted the company multiple to prove the validity of the loan. This is not mine and was done with out my knowledge. The account number is XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP (MN)

I have email alerts setup for any withdrawal/deposit on my checking account. I had 2 unauthorized charges for XXXX dollars each for a total of XXXX taken out of my checking account using my debit card information. Associated bank says they are authorized transactions even though I'm literally telling them they are not authorized. I went in the next day and got a new debit card with new numbers and filed out dispute paperwork. The vendor was XXXX which I don't use and had no bank cards/numbers on my XXXX XXXX account. 

I don't know the seller/merchant at all. Associated bank fraud department said because my address matched it must be a legitimate transaction even though I'm telling them it isn't. They also supposedly shipped something to my address via XXXX which I never received and was signed for by my apartment office which does not take packages since we have a package room. Absolute bare bones investigation from them no effort made whatsoever other than to contact the thief that stole money from my account and pretend it's legitimate so I can't get my money back. Also lost my statement and never filed second claim correctly until I pushed them.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax mishandled my information, leading to a breach which puts myself and millions of others at potential risk. I am especially disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the news. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for consumers to deal with. Considering the generally misunderstood nature of credit reporting among the general public, Equifax should have immediately contacted everyone affected and provided the public with a list of concrete steps to take. I should not have to figure out how to safeguard my information by myself when a company 's lack of security was what caused it to be compromised. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.