vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-09 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: GA

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 for the remainder of the victims lives. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

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. 

I never authorized equifax or any credit agency to store my data, track my data, or sell my data. Now they have exposed me and millions of others to a lifetime of identity theft and possible financial ruin. This is unnacceptable and needs a strong response.

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

Complaint narrative:
Between XXXX and XXXX, a data breach at Equifax caused my personally identifiable information to be exposed to criminals, including name, date of birth, social security number, address and possibly my driver 's license number. This is not only the information used by lenders, employers, social service providers ( HUD housing, SNAP, etc. ) to verify my identity, but also the exact information required by Equifax in order to request a credit freeze and presumably take other actions regarding data in my credit report. Equifax has not only exposed my identity, but the only ways I have to verify myself to them in order to protect myself. I am very lucky that I had the tools and knowledge to place a credit freeze myself quickly, hopefully Equifax will require additional information from anyone who might contact them claiming to be me to ask for a new PIN to unfreeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
XX/XX/2017 After the hack of Equifax, over a 100 million Americans social security numbers were hacked because this company has no proper authority to keep our social sec. numbers in their databases. This is wrong and one of the problems with companies like this not having good security protocols.

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

Complaint narrative:
Equifax divulged an immense amount of personal info due to a cyber attack. I am one of the people affected. Their resolution was to provide a year of credit monitoring. I do n't believe that 's fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
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 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 2017-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, American Express, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Subject : American Express XXXX cash Everyday Account Ending in XXXX - XXXX XXXX XXXX - Customer Service Experience Credit Limit Reallocation I requested to XXXX {$1000.00} Credit Line reallocation from XXXX XXXX Credit card account Ending in XXXX to American Express XXXX cash Everyday Account Ending in XXXX. My request denied due to Recently reduced credit line XXXX Cash Everyday Account Ending in XXXX ( Letter Attached dated on XXXX XXXX ) But my credit Line was restored based on payments. XXXX XXXX attached dated on XXXX XXXX XXXX Customer Service Experience I called XXXX XXXX XXXX PCT XXXX answered name called XXXX XXXX Balance Transfer Department ) treated me so unprofessional. Please review my call and verify how about customer service. I am customer since XXXX and he never treated me as a valued customer. I asked him to transfer my called to supervisor and his answer was we dont have a supervisor and he can not transfer to supervisor and dial XXXX. I dialed that number and requested transfer to supervisor .XXXX.XXXX ( Balance XXXX Department XXXX answered my call and he also not help me out my concern and he asked me to call Customer XXXX XXXX Department XXXX and request the REMOVE REDUCTION TAG on my account. XXXX XXXX also treated me very mean high tone. I dialed that number and I told what happened and they transferred me customer service department again. I have to explain each time when I dial your customer service department. I spend more than XXXX hour to talk some XXXX help me out for my reallocation request and no ones help me out. 
Why I have to called Customer responsible landing department to request remove Reduction tag on my account? 
Today I am so very disappointed way your bank treated me. Please make sure it wont happens future customer. 
If you want more information call me XXXX Thank you. 
XXXX XXXX

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

Complaint narrative:
Equifax mishandled the private information of hundreds of thousands citizens and myself. Using their website XXXX, I found that I am someone who 's information was stolen. Furthermore, Equifax seems to be trying to trick people into being unable to pursue any legal action against them. They give us a link to check to see if we are affected, and so by using this link, we waive our right to purse any action. Not only that, but the fact that we have to pay to freeze our credit through Equifax is absurd. The pin you get from Equifax when you freeze you credit can be reset using personal information, which, if you stole someone 's identity, would be easy to reset. Finally, the pin is not randomly generated, it is just time stamped, meaning that it would be very easy to steal someone 's pin if you can assume most people froze their accounts yesterday or today. Thankfully, I put a fraud alert on my account and downloaded my free annual credit report, and saw that nothing has happened yet, however, for many people, their lives could have been ruined today.

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

Complaint narrative:
I was a victim of the 2017 Equifax data breach. I went onto the equifax website www.equifaxsecurity2017.com and it was confirmed that my information was involved in the data breach and I may have been compromised receiving the message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I understand that data security is a tricky and constant battle, but more needed to be done to protect the identity of 143 million Americans.

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

Complaint narrative:
According to the Equifax website set up for the express purpose of confirming whether or not individuals in their databases had their information compromised in the recent large scale data breach, I am one of the affected individuals. Considering the magnitude of the breach, as well as the sheer breadth of the information I now know is compromised, I feel that this was a blatant disregard for the sanctity and security of my personal information by a company that should have had appropriate safeguards in place to prevent such an occurrence.

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

Complaint narrative:
My information was found in the Equifax hack. I am scrambling to put freezes on my credit. 
Credit aside, the loss of such private, sensitive data is deeply disturbing. It is already unsettling when you look through credit reports and see the data the 3 major credit bureaus have collected on you. Knowing this information is potentially public is extremely worrisome and unsettling.

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

Complaint narrative:
I am part of the 143 million affected by the Equifax data breach that was confirmed on XXXX XXXX 2017.

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

Complaint narrative:
This complaint is in regards to Equifax 's reported hacking incident and the release of my personal information without my express permission. Due to their inability to protect my data I am now at serious risk of credit and tax fraud. 

As a small business owner this may have a huge impact not just on me but on my employees and the growth of my company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am outraged that Experian is using their recent security breach as an opportunity to market credit protection services to me. If they are so sloppy and careless about protecting consumers data, why should I trust them to provide a value added service? Have they already been selling consumers identity information to criminals? Are they planning to compromise the information of the XXXX milliion XXXX consumers who do n't pay the ransom? Please begin an immediate investigation into Experian and prosecute any and all executives involved on criminal activity or conspiracy.

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 2017-09-09 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: CO

Complaint narrative:
I 've learned that Equifax may have compromised my personal information including name, DOB, social security number and address from online news reports. Even beyond this outrageous failure, I was not notified of this by the company or automatically enrolled in an extended protection program. It seems that would be the least they can do. The 90 day protection is pointless because this information can be used 100, 200, or 1000 days from now to fraudulently open accounts in my name. The government should step in now and make sure anyone whose information was compromised is secured from fraudulent activity, where there is additional verification of identity for these individuals. I do n't trust Equifax to do this properly since they have failed so awfully in literally the one thing their business needed to get right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 am writing to file a complaint that Equifax mishandled my personal information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I submitted a request for a free annual credit report from XXXX via the XXXX website. However, the site tells me that I need to mail in copies of my social security card, driver 's license, XXXX info, etc. in order for me to receive a paper copy of the report. What 's the point in having an online service if you ca n't receive the report online. Further, sending all that personal information through the mail invites identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09 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: MA

Complaint narrative:
Equifax did not provide the proper level of security to protect my consumer credit information from being stolen. In addition, Equifax did not notify me not only in a timely manner, but have yet at all to notify of this breach to this day, XXXX XXXX XXXX, when the breach happened from mid XXXX through XXXX. I 've found out through the media and confirmed I was effected through their website. They offer an unacceptable compensation of 1 year free monitoring when I now have to be concerned for far beyond a year.

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

Complaint narrative:
As of XXXX 2017, the credit bureau, compromised many Americans personal information and just recently released this finding to the public. I am filing a complaint to ensure that not just me, but those that have been effected, get their lost or stolen identity back.

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

Complaint narrative:
I was part of the release of information against my will. I am now vulnerable to identity theft as a result.

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

Complaint narrative:
Personal information was released as part of a breach due to insecure technology. Now I must take extra steps to ensure that my personal information will not be used for fraud purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax security breach exposed my personal information which I never authorized Equifax to possess and will cause me unrequested hardships in the future as I will need to be cognizant of potential misuse of my information for tens of years into the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
About 1 month ago I called US Bank to inquire about a balance transfer offer I receive through their XXXX card. I was told the best way to use a check. I was mailed 10 checks and I used one of those checks and deposited {$12000.00} into my checking account. I paid {$360.00} ( 3 % ) in fees. I asked the agent 3 times if there was any interest involved and I was told that as long as I ay the minimum payment there are no interest charges until XXXX XXXX. Yesterday XXXX/XXXX/XXXX I noticed an interested charge of about {$130.00}. I called US Bank and I talked to supervisor XXXX where I protested the interest. I was told that it would take 2 weeks to decide if it was a bank error. I am very surprised, I was interested in the 0 % balance transfer and nothing else. I need help with this situation. This kind of balance transfer does not offer me any benefits.

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 2017-09-09 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:
I was one of the millions of people affected by the hack of Equifax, and after confirming that via their website, the only compensation offered was a single year of credit protection. This protection came with the caveat that I must submit to binding arbitration. I do n't believe their offer would genuinely help protect me from the potential harm of a data breach of this magnitude, and the fact that it was even possible is alarming.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
Due to the large Equifax hack, I 've been put on the list for people who have potentially been affected. I 'm submitting a complaint because the fact that a credit bureau was hacked so severely is troubling.

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

Complaint narrative:
in XXXX 2017 it was revealed that Equifax had been hacked almost six months prior to the date of the public revelation of the leak. My personal credit information was included within the leak, but I was not contact or made aware of this leak until long after the leak had occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have contact companies to have unauthorized inquiries removed XXXX XXXX XX/XX/XXXX XXXX  /XXXX XX/XX/XXXX XXXX XXXX /XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX& XX/XX/XXXXXXXX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
I am on the list of potential victims of the Equifax hack. Ridiculous considering how many people this affected and I would have had no idea I was affected if not for XXXX. No communication from anyone else about me personally being compromised.

Company response to consumer: Closed with explanation