vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 00:00:00
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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It is unbelievable that XXXX waited so many days to acknowledge and make consumers aware that their security had been breached and the information of millions of people, info they have no control over nor say in most cases without paying them, was stolen. Lest anyone be confused, it took them a considerable amoutn of time to even realize their security had been breached. XXXX 's lack of a meaningful initial response, unpreparedness for dealing with the problem and having meaningful solutions with a week to prepare before letting people know, and a horrible website that was confusing, lacking credible and usable information, and had an ID theft checker that sent everyone to another confusing page that said you had to wait to sign up, whether or not you used a real name or random six numbers.
This is completely unfathomable, and as a corporation and " individual '', as recognized by the courts, publicly and socially irresponsible, and put us in danger of damages, both financially and physically, that could result from the release of the stolen information, the delayed public response, and incomplete measures and solutions XXXX offered consumers to deal with the breach. 

Now I, and my fellow Americans, have another headache -- or possibly numerous if the information is used to file a false tax return, charge items on credit cards or drain bank accounts -- to deal with.

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 2017-09-13 00:00:00
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.
State: MN

Complaint narrative:
Equifax did not properly secure my protected personal information from intrusion through any appropriate method, such as patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver 's license number are cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data ( including immunization records ),  legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which is n't available as a default. It requires 2/3 one 's SSN plus last name and a waiver of class-action recourse in order to DETERMINE is one is affected by the breach. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
XXXX XXXX, XXXX central time zone I wire transferred {$8500.00} to Coinbase Inc. at the following address and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX United States Account Number : XXXX Routing Number : XXXX Recipient Name : Coinbase, Inc Recipient Address : XXXX XXXX XXXX, # XXXX, XXXX XXXX , CA XXXX Reference Number : XXXX I have emailed them, contacted them by support, and I have now waited 8 days for what they said was going to be a " same day '' transaction. 

Any help will be greatly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my personal Credit Bureau Report from Equifax I noticed a few addresses associated with me that are not correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: GreenSky, LLC
State: MD

Complaint narrative:
Greensky credit is making unauthorized withdrawls from our checking account from the zero interest loan for a purchase of windows through XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13 00:00:00
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: Risecredit, LLC
State: OR

Complaint narrative:
While applying for a home loan I noticed an errorounous note on my credit report related to XXXX XXXXXXXX. I have never had dealings with this Company and had previously never heard of them. Upon discussion with my parents they mentioned that a note was discovered on their credit report related to XXXX XXXX in the summer of 2015 and they got the Wisconsing Attorney General 's office involved to resolve. My father and I have the same name so it is possible that I have somehow gotten roped into this through that association.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion - I have, for several days, attempted to establish a credit freeze on my credit reporting. I have attempted to do this 3 ways - through their website, their phone automated system, and through their customer service operator. The website is presently unavailable, the automated system directs me to the customer service operator, which always has a busy signal. Transunion does not appear to be able to respond to the need for credit freezes after the XXXX leak.

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to freeze my credit with all agencies, after the Equifax leak. I am unable to get the webpages to load for any of the credit reporting agencies, and the phone numbers are also keeping me on hold for far too long. 

I do not believe I should have to pay or spend hours of my time to protect my identity when the company that was supposed to do that failed at one of their core responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to express my outrage not just at the recent security breach at Equifax, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input? 

Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers. 

The situation ( at Equifax at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report. 

However, I have no doubt that the charges will return very quickly ( XXXX and XXXX  have not offered a free freeze at all, and XXXX doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXX-year-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank Of America took out XXXX after someone i do not know had remote access to my computer and run that amount on a gambling site called XXXX, I filed a claim with BOA and they refunded me and then after the claim period ended they withdrawed the XXXX i have tried to stop this by XXXX and have contacted them by e-mail and phone at XXXX and can not get through thinking this is a scam and they have also taken money from my account and will not supply me with the OPTIMAL PAYMENT SERVICE Website. I want my XXXX put back in my checking account ASAP as i am XXXX and have been a victim of ID THEFT since XXXX XXXX. I can not get help from anybody. The FDIC told me to contact you about this. I also have more complaints but let 's try to take care of this one first. Thank You Very Much. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was a victim of identity theft of which I sent a Identity Theft Affidavit to all three Credit Bureaus. 

A Bankruptcy, and other Accounts that did not belong to me appeared on my Credit Report. 

XXXX and XXXX removed all of the Accounts and the Bankruptcy that did not belong to me. 

Transunion refuses to remove the Bankruptcy that does not belong to me. I have sent numerous disputes to Transunion. I 've also called Transunion numerous times. 

I called the Court House and they said they do not report information to the Credit Bureaus. 

WHY HAS XXXX AND XXXX REMOVED THE BANKRUPTCY AND NOT TRANSUION.

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Due to the security breach that Equifax had, and the THREE MONTHS before they notified the world ( during which time Equifax executives took the opportunity to sell their stock ) I and two family members are unable to : -Unable to contact Equifax by phone or website -Unable to request a free annual credit report to check my status -Unable to take a request to freeze my credit report.
I think their behavior has been criminal and they have exposed me and my family to worry, stress and their resources are too limited to let me do my part to address their negligence. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
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.
State: MO

Complaint narrative:
Equifax did not protect my personal information ( name, addresses, financial account information, social security number, date of birth ). I never authorized Equifax to collect or store any of my information in the first place. However, once they collected my information, they did not take appropriate measures to prevent others from accessing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As a part of XXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) XXXX is not available as an option, it is grayed out so it cant even be checked. 2 ) XXXX makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 ) Experian - after filling out the required form, I am sent to Experien 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH EXPERIAN 'S PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from Experian and the other 2 .... WHAT THE XXXX  GUYS! THIS IS INSANITY AND EXTORTION. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.

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 2017-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Chaplain Financial Services LLC
State: IL

Complaint narrative:
I received a phone call on XXXX/XXXX/XXXX from Chaplain Financial Services claiming to be a mediation company on behalf of an attorney for XXXX XXXX. They stated that I would be served by a county processor at my home ( I have not lived at the address they have on file since XXXX ) or at my place of employment. I called back to resolve the issue. They stated I received a payday loan from XXXX in XXXX of XXXX. I stated that I was not aware of a loan and I would request bank statements from XXXX. I made a payment of {$110.00} to this company and informed them that I would follow up after I confirmed said loan. I have never received a loan for this amount or from this alleged company ever. I have since disputed the original payment of {$110.00} because the company does not exist and Chaplain Financial Services refused to give me any attorney information and would not send me any written validation of this debt. They also stated that I had a default judgement for this debt, I have never received any correspondence from the alleged original debtor or any subsequent collection agencies. I looked up the number they called from online ( XXXX  ) and saw 53 complaints with the same situation. They have threatened to sue me, they have threatened me with wage garnishment, and threatened to charge me with fraud if any other avenues to pay a debt that does n't exist did not work to their satisfaction.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
i was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed and contacted Equifax NUMEROUS times since XXXX of XXXX. They ca n't seem to get my credit report correct. However my biggest problem with them right now is they will not release my credit score to my mortgage company so we can get our approval. Because of them I have numerous hard pulls against my credit and we have lost homes that we wanted to purchase because of them. I personally spoke with Equifax on XXXX XXXX XXXX in regards to releasing my score. They told me it would be fixed within 48 hours, however when my mortgage company pulled my score again this week it still shows nothing. I have numerous good standing accounts that Equifax has yet to show on my credit report, but XXXX and XXXX have them. Equifax also wanted me to confirm my identity. I have faxed over that information numerous times to them and they still tell me they do not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax the XXXX XXXX Credit bureau needs to refund cost of our freeze or cost to lift it and it has failed to explain how to obtain reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?
Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.
The situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.
However, I have no doubt that the charges will return very quickly ( TransUnion and XXXX have not offered a free freeze at all, and TransUnion doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXXyear-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.

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