vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I 'm a victim of identity theft and been a victim of identity theft for 11 years. I have fraudulent and unauthorized hard inquiries listed on my Trans Union, XXXX and XXXX credit report. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/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 explanation
Consumer complaint received 2017-09-11 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: NY

Complaint narrative:
My personal information was " likely '' hacked and stolen while stored by credit reporting company Equifax. I say " likely '' because that is the canned response given to me by Equifax that apparently every person who inquired about whether their information was stolen also received. Not only am I appalled that a credit reporting company stored my personal data in a manner that permitted such a wide-scale hack, but Equifax 's response has been horrid and indicates a total failure to address the core security infrastructure that enabled this hack to occur. Namely : XXXX The company can not tell me or other consumers whether our data has been breached. Thus Equifax has admitted its total lack of knowledge as to whether the company has inappropriately used or released my personal data to third parties. And this lack of certainty prevents me from adequately monitoring and protecting my own credit - a task at which Equifax has utterly failed. 
XXXX The company has established a cumbersome two-step process to file for credit monitoring services, which is time-consuming and appears designed to winnow out customers entitled to assurances that their data is secure. Further, that site 's security certificate was recognized as compromised by my browser, which means that the company still has not taken requisite steps to ensure encrypted communications in the wake of a giant data breach. 
XXXX The company is assigning PINs that accompany credit freezing requests that are not randomly generated, thus compounding the security risks in the existing hack. Based on evidence that these PINs simply provide another easily hackable path to my personal data, I have not sought such protection - protection to which I believe I am entitled as a consumer whose data has been breached - out of concern that doing so actually deepens my ID theft risk. 

In short, Equifax 's business model relies on one thing : keeping data secure. It is clear that its policies have not placed consumer privacy at the forefront of their business model, and that failure has led to the exposure of my and millions of other American 's personal data. Furthermore, their inadequate and technologically-compromised response to the hack demonstrates a continued lack of responsibility for the security failures that led to the hack, and a lack of commitment to protecting consumers ' financial privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Opening up complaint against Equifax for the latest data breach as I was identified as being a potential consumer that had my information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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 releasing ( due to their negligence ) all my personal information ( SSN, DOB, Address, etc. ) to hackers represents an incredible financial risk to me and my family. The solutions they propose are insufficient. They need to be forced to offer for FREE the following : 1 ) Credit Freeze and unfreeze upon demand on ALL credit report companies at Equifax cost for a period of at least 7 years. 

2 ) Credit monitoring for free for at least 7 years. 

3 ) An option for citizen to have NO CREDIT report in their company. I do not want do do business with them anytime in the future and I should not be part of their database against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: AL

Complaint narrative:
XXXX Disputed with XXXX XXXX, failed to provide any proof and I had no knowledge of these debts.. 
XXXX Disputed with XXXX XXXX no info provided advised info was correct XXXX  and XXXX have investigated and removed collections

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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:
XXXX/XXXX/2017 - Experian is charging Washington State residents {$11.00} to place a security freeze when the allowed maximum amount is {$10.00}. XXXX and XXXX  both charged the expected {$10.00}. My complaint is Experian is overcharging what the Washington State law allows. When I called Experian, the person told me she did n't know why I was charged {$11.00}.

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 explanation
Consumer complaint received 2017-09-11 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: PA

Complaint narrative:
Equifax has mishandled my information, did n't notify me of their data breach, and now has cost me several hours, my money ( to freeze my credit reports ), and will continue to cost me money and time in the future to monitor my credit. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: TX

Complaint narrative:
Equifax lost a number of people 's personal information including mine. However it 's difficult to be sure my data has been affected, as their site for checking the status seems to return inconsistent results for the same data. Additionally, they have offered 1 year of a credit monitoring service, which is terrible for consumers for two big reasons.
1 ) One year is not nearly enough for a breach that loses all personal information 2 ) At one point, there was information seeming to indicate consumers could n't sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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:
On XX/XX/2017, it was made public that Equifax had a major security breach that compromised about 143 million U.S. customers. As a result, I have reason to believe that I have been impacted and my credit may suffer for it. It is absolutely unacceptable that Equifax knew about this for months in advance before making the news public, during which time executives at Equifax sold shares before the hack was announced ( which could be considered illegal insider trading ). Over a third of the entire country has been screwed over by this company and that is absolutely horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Equifax mishandled my personal information including my name, social security number, address, birthdate, etc., resulting in a data breach in XXXX XXXX. Equifax confirmed I was affected by this breach per their " Potential Impact '' site XXXX. 

Equifax put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Equifax is further attempting to capitalize on its gross negligence by encouraging injured parties to register for " trial periods '' of their ID protection services, defrauding these injured parties with hidden subscription fees that are imposed after the trial period expires, as well as with terms of service that waive customers ' rights to sue the company for criminal negligence/fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a citizen and resident of XXXX, but between XX/XX/XXXXand XXXX I was employed by XXXX XXXX XXXX and lived in California. Through my employer, I had a XXXX managed through XXXX. When in XXXX I was about to move to XXXX, I wanted to consolidate my accounts in one institution, and I chose Bank of America ( BofA ), which is where my checking and credit-card accounts were. ( If I remember correctly, I spoke about this to XXXX XXXX ( XXXX ) XXXX at BofA, at the BofA branch on XXXX XXXX XXXX in XXXX XXXX, CA ). I was very clear about my residency and citizenship status. Nonetheless, it was suggested that I rollover the XXXX to an IRA with Bank of America, and so I did, sometime in the spring or summer of XXXX. 

At some point later, BofA had XXXX XXXX manage the account. I was informed of this, but I had no say in the matter. 

Then last week, I received a letter from XXXX XXXX stating that they will no longer be the custodian of the account, and that it will be liquidated 30 days after XX/XX/XXXX. On the phone, they explained that this is since I am not a US resident, a fact that was known to them when BofA had me open the account 11 years earlier, and throughout those 11 years. Making some more calls, it turns out that no financial institution is willing to be the custodian of the account, since apparently they I am not a US resident. Thus it seems that BofA behaved either with negligence or fraudulently when they had me open an account in a way that may not have been legal. 

Thus, my retirement account will be closed without my consent, and I will be forced to be responsible for the tax, early withdrawl penalty, and any other costs. 

( I should say that I kept two addresses with BofA : my address in XXXX, and the address of a friend in California who was helping to collect my mail. You can see both addresses in the attached screenshot from the BofA web page. Over the years BofA sent me many account reports to the address in XXXX, so they knew all along that that was where I was living. )

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 2017-09-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I checked my ssn on the Equifax breach page, and found out I was in fact breached, without any notification from Equifax, I then clicked yes to a free year of security given to those affected without any further information available on that link, I then read it does'nt protect you and that they had a hidden disclaimer the veiwer couldnt see that automatically prevents you from suing if you are a victim of identy theft related to their breach

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: EQUIFAX, INC.
State: ND

Complaint narrative:
I 'm a victim of identity theft and been a victim of identity theft for 11 years. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The following hard inquiries are fraudulent and unauthorized : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I 'm a victim of identity theft and been a victim of identity theft for 11 years. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report. The following hard inquiries are fraudulent and unauthorized : 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

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 2017-09-11 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: MO

Complaint narrative:
This was the only online way I could find to register these general comments. 

Seems to me like the credit monitoring services come out ahead whatever the consumer elects to do. 

After the hack headlines, those $ XXXX- {$10.00} charges to freeze credit reports will amount to a lot of new revenue for them. 
Why should the consumer pay for this when we did not hire them and are not their clients -- businesses are. 

Plus, in the freeze process, the services want your SS # and confirmation of other info before letting you know if your info has been compromised. Given what has happened, they have lost my trust. No dice. 

I hope the cfpb can do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My minor daughter is an authorized user on my credit card, and her credit card company reports her activity to the three credit bureaus. According to Equifax, her personal information was exposed during their recent data breach. However, when I attempted to sign her up for the advertised free data monitoring, the Web site refused, stating that " Equifax does not typically have information associated with minors. '' ( https : //www.equifaxsecurity2017.comXXXX ) I received the same information from the call center.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: UT

Complaint narrative:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate 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 license number is 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, 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 does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. 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 2017-09-11 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I went to XXXX and I was able to successfully view a copy of my report with both XXXX and XXXX. I was able to do this online, as well as save a copy to PDF for printing. However, when I tried to look at my Equifax report on the same website, the web page said, " We are not able to deliver your free Equifax Annual Credit Report online ''. 
I was told I could request by mail my Equifax report by filling out a form and mailing in proof of social security number and address. 

MY QUESTION IS : Why is Equifax forcing me to spend hours of my time to gather data and weeks of wait to view a report that the other bureaus allowed me to view instantly?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I reported to American Express Bluebird card services that XXXX had kept charging me erroneously for an Audible book club membership which I did not want, nor had requested but XXXX kept charging ANY card I had registered in my Prime account. After reporting this to XXXX, instead of assisting me, they cancelled my XXXX card, closed my account, and have since barred me from ever having another prepaid card with them! I do not think this is fair to me since I did not even realize XXXX was charging me for Audible until I reviewed my account with a financial planner and they asked me about the charges. I told XXXX the charges were never authorized and that I never requested an Audible account. I have called American Express twice on this matter, the last time today, when the account representative transferred me to an account recovery representative and she refused to let me speak to her supervisor, she just kept repeating over and over that a supervisor would not help me and the block will not be removed. She finally agreed to transfer me after I kept asking and asking but then all she transferred me to was hold music and no supervisor ever came to the phone. I was holding for over XXXX minutes when I finally hung up! I am shocked because American Express has never treated me with this kind of disrespect and would not even hear my side of the story. I am appalled!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-11 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: UT

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely 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 social media. 

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 us to have deal with. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Over three months ago, I sent a letter to Equifax, asking the to investigate errors on my credit report. I have yet to receive a response.

Company response to consumer: Closed with explanation