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: EQUIFAX, INC.
State: CA

Complaint narrative:
I 've discovered I was affected by the Equifax data breach that was reported last week. 

I could n't tell you exactly what was leaked because they have n't deigned to own up to any of their egregious mishandling of my personal information. 
No call. No letter. 
I had to check a buggy website of theirs that froze constantly and simply told me I was affected, not much else aside from the option to sign up for a service. 

I tried to obtain a copy of my credit report from the annualcreditreport.gov website but it only showed me one companies report and then reported an error. I was able to submit a comment about that and heard nothing back. That 's all I can do it feels like, leave meaningless comments. 

I had no choice when it came to Equifax collecting my information. Why are we consumers at the mercy of a huge unseeing uncaring conglomerate when it comes to the handling of our information? 

The fact that this breach occurred in the beginning of XXXX and Equifax delayed informing the public a whole month so the senior executives could sell off shares in the company is just despicable. Legal consequences and reform are sorely needed here. 

I feel utterly powerless in this situation. 

How can I protect myself for identity theft at this point?

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:
Equifax breech : Now I have to freeze all three credit report accounts for {$10.00} each.

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: NE

Complaint narrative:
The equifax data breach leaked my sensitive data that I believe equifax did n't do enough to protect and it 's insulting that they wo n't even let people freeze their credit for free. So far all that has been offered is 1 year of their own credit monitoring service which did not even catch the security breach.

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: MN

Complaint narrative:
I 've spent 4 hours trying to freeze my credit with Trans union. There 's not a free way to do it with them anymore. The representative on the phone told me to call back and enter my credit card information into their automated system in order to manage my credit. I 'm so infuriated since freezing my credit with them is impossible since equifax poorly handled my most private information. I do n't know what to do about this.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I attempted to instate a credit freeze with XXXX, XXXX, and TransUnion. All attempts failed beginning at XXXX PST. It looks  like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put 140,000,000 US citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like XXXX, XXXX, and TransUnion to have to ASK my permission to use my identity information.

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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I attempted to instate a credit freeze with XXXX, Experian, and XXXX. All attempts failed beginning at XXXX PST. It looks like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put 140,000,000 US citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like XXXX, XXXX, and XXXX to have to ASK my permission to use my identity information.

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: WA

Complaint narrative:
As an American who has used credit in the past, I was more than likely part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally, and through a central service that applies the freeze throughout the ecosystem rather than requiring consumers to waste time contacting each individual agency. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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: NC

Complaint narrative:
When recently discovering that my personal information was compromised during the Equifax hack, I was trying to freeze my credit score to prevent any attacks on my personal credit rating. Equifax has offered a fee waiver on freezing my account as of this time, but other unions such as XXXX XXXX are charging to put this freeze into place. And I assume all three companies are going to charge anytime I will need to unfreeze to apply for any type of loan or credit. I find this unacceptable that these institutions are profiting off if consumers trying to protect the only thing that will let them buy a home, or a car, or even get a student loan. Currently, XXXX  XXXX is even hiding credit freeze information on their website in favor of advertising their own for profit credit monitoring services. So not only are hackers benefiting from getting my personal info, but the people in charge of it, whose negligence put me and millions of other US citizens at risk are profiting.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
When recently discovering that my personal information was compromised during the XXXX hack, I was trying to freeze my credit score to prevent any attacks on my personal credit rating. XXXX has offered a fee waiver on freezing my account as of this time, but other unions such as XXXX XXXX are charging to put this freeze into place. And I assume all three companies are going to charge anytime I will need to unfreeze to apply for any type of loan or credit. I find this unacceptable that these institutions are profiting off if consumers trying to protect the only thing that will let them buy a home, or a car, or even get a student loan. Currently, XXXX  XXXX is even hiding credit freeze information on their website in favor of advertising their own for profit credit monitoring services. So not only are hackers benefiting from getting my personal info, but the people in charge of it, whose negligence put me and millions of other US citizens at risk are profiting.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. I am writing to demand that credit freezes and unfreezes be made free for individuals on which these credit companies store information. These companies already collect and sell our data, in an industry where their services are required. I ( nor any other consumer ) should be required to pay these companies to protect my information when, through their own errors, they lose the information they have been collecting without my consent anyway.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. I am writing to demand that credit freezes and unfreezes be made free for individuals on which these credit companies store information. These companies already collect and sell our data, in an industry where their services are required. I ( nor any other consumer ) should be required to pay these companies to protect my information when, through their own errors, they lose the information they have been collecting without my consent anyway.

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 card or prepaid 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had retained XXXX XXXX XXXX to handle a IRS tax issue I paid {$7200.00} spread out on three credit cards Citi Bank, XXXX and XXXX XXXX  Visa. XXXX asked me to sign the form so they can charge Citi Bank {$1000.00} and XXXX {$4000.00}. XXXX XXXX XXXX has honored the dispute. The bottom line is XXXX did not complete the service they were hired to do. I had an IRS letter response to an offer XXXX made when I faxed this time sensitive XXXX failed to take seriously. I had faxed this letter over to my Case Manager XXXX XXXX on XXXX XXXX, with Ok from my fax that it was delivered. XXXX XXXX I sent two emails to her asking for confirmation of receipt, no response. XXXX XXXX called left message, Friday XXXX XXXX, called three times left three messages no response. Monday XXXX XXXX comes around no response from anyone. Now I am worried so I start looking for a new Tax Attorney because I have deadline to meet within three weeks with the IRS. XXXX XXXX this XXXX XXXX Quality Assurance person calls only because they rec 'd. the BBB Complaint and she was very defensive about it she told me well you did not give the Case Manager time to respond Are you Kidding me! She had four days to respond to either two emails or four phone call messages. That is poor Customer Service especially for the amount of money they charged me. I want full refund plus they should pay for my new Tax Attorney. His initial bill is {$1000.00}. So I put this matter in Dispute with Citi Bank and XXXX Card provided all the information and documentation to support my point they did not provide the service I contracted with them they left me high and dry. 
Citi Bank sends out form letter stating they provided the service and therefore they would not honor my dispute. I then wrote to their CEO who had them reopen the dispute and few days later I get another letter stating because I signed the ok to charge my card they were obligated to charge the amount back to my account. Sent a letter to XXXX ' CEO they are looking at it. Does not XXXX have to provide the service they told me they would do and advertise on radio and TV. They left to hire another Tax Attorney. Why should I pay for something I did not get. This a fraud and XXXX Blackmailed me. They even called to say even you do not drop all complaints they would not reimburse me anything. I was not dropping the complaints with the BBB XXXX and XXXX reviews. Citi Bank is honoring a fraudulent company claiming it is their policy once you sign and Ok to charge your card. How was I going to hire them in the first place. They told me to go to the merchant directly and I did send email to XXXX XXXX she will not respond.

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 — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America 's Collections Unit sent a NOTICE OF INTENT TO FORECLOSE ( NOI ) letter dated XXXX XXXX, 2017. They are trying to foreclose on my property.

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 a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have disputed this account multiple times with XXXX and XXXX XXXX. I asked for verification and validity of this account. All XXXX XXXX sends that back is a screen shoot of a bill. 

This doesnt prove this account is mines at all. They are breaking the law by continue to report multiple accounts on my report.

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: CA

Complaint narrative:
I have had immense difficulty in trying to freeze my credit with all reporting agencies. After the hack that stole data from Equifax, freezing my credit should be free across the board at minimum. Better yet, they should automatically freeze all credit until you unfreeze it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
Request for FULL VALIDATION

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: CA

Complaint narrative:
Equifax, in their gross incompetence, has not only given away my personal information ( along with that of 143m+ people ), they also are unable to confirm whether I am at risk or not. They set up a phony website for users to check if they are impacted but the site literally delivers random results and gives me opposite answers each time I try it out. I 've tried to put a freeze on my credit through them multiple times but neither their website or telephone system work. The government needs to step in and help consumers with this potentially disastrous situation.

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: GA

Complaint narrative:
Bottom line is congress needs to step up and make freeze and thaw free under federal law. Credit monitoring is not adequate for the massive breach that just occurred at 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 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Bottom line is congress needs to step up and make freeze and thaw free under federal law. Credit monitoring is not adequate for the massive breach that just occurred at 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 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: GA

Complaint narrative:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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: KY

Complaint narrative:
You know about the Equifax security breach. I have tried numerous times to put a credit freeze on my account and my husband 's account through their website and through their phone system - neither will work. I called their so called help lines and its just a call center who ca n't do anything to help me except to say keep trying and try off times, like late at night -- not helpful! My husband 's data is part of the breach. Equifax is completely inept as their website 's and phone systems ca n't handle the requests for credit freezes. I also am unable to get my free credit report from them. In addition, I was able to put credit freezes on XXXX and XXXX, but had to pay {$10.00} for each XXXX, so I 'm out {$40.00} so far ( myself and my husband 's accounts ) and its Equifax 's fault -- I hope they are sued so people can recover their costs and losses. They 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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I should not have to pay money to freeze my credit due to Equifax 's egregious error. Because of Equifax 's fault, I 'm now on the hook for the money to freeze my credit with the reporting agencies.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I should not have to pay money to freeze my credit due to XXXX 's egregious error. Because of XXXX 's fault, I 'm now on the hook for the money to freeze my credit with the reporting agencies.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
For over XXXX XXXX XXXX XXXX years I have been in a fight with Discover Card over over charges, money transfered ut on my cards to atheir fake accounts. When I called them it was always computer error or Hackers! And now I owe OVER {$40000.00} to XXXX, XXXX and XXXX XXXX and I do not know how many other cards that Discover set up using my name, Address, SS # phone # for money that Discover took from them in my Name! 
And now they are taking me to court because I refused to pay for their computer errors and hackers! 

This XXXX started after I put in a claim for payment protection plan due to me being coming a XXXX  Veteran in XXXX of XXXX! The NY XXXX XXXX in XXXX of XXXX ruled that Discover to stop charging ALL their card holders for the Payment Protection plan and to stop setting up fake accounts that they are still doing!

Company response to consumer: Closed with explanation