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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted. 

On XX/XX/XXXX, I checked their website and my information was part of hack described in their announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have taken out three different credit cards that all were through XXXX XXXX. One was with XXXX XXXX XXXX, one was with Care Credit, and the other was with H.H. Gregg. I became past due on paying my bills back in XX/XX/XXXXXX/XX/XXXX. Since then, I started receiving phone calls five or more times a day from various phone numbers that all were connected to XXXX XXXX. When I would pick up the phone to answer, I would have to wait while it automatically transferred me to somebody who was going to be speaking to me on the other end. This was the first red flag to me that showed they were violating my rights protected by the Telephone Consumer Protection Act by using an automated telephone dialing system to contact me. I made them aware of how my rights were being violated without my consent and asked them to please stop, they did not. Another example of how my rights were violated began in late XX/XX/XXXX when they began to leave automated voice mails on my phone without my consent. This too was a violation of my rights protected by the T.C.P.A. and I once again made them aware that my rights were violated and asked them to stop. They did not stop leaving those messages either. I have saved voice mails dating back toXX/XX/XXXX that show how they left those automated messages daily, sometimes even multiple times a day.

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: MI

Complaint narrative:
My personal information, including Name, Address, SSN, and other information was accessed through one of the major credit reporting firms ; Equifax.
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 the breach via a major News Outlet.

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: GA

Complaint narrative:
Equifax handled my information improperly and thus caused my information to be exposed to 3rd parties. Their offer of 1 year of free credit monitoring service is a slap in the face since my exposure does n't last one year. It will have a lasting effect on my entire life.

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: MN

Complaint narrative:
I used the Equifax website to find out information about the current data breach with Equifax. After finding some information about the data breach I sent a message to Equifax to gain more information about the TrustedID program that was offered and what rights I would waive by entering into that agreement. That message was ignored by Equifax. I want more information on that program as well as other information on what Equifax is going to do to help protect my information due their negligence.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has a previous address listed as my current address, and my current address listed as a previous address. Attempted to file a dispute online to correct address information, but the system could not confirm my identity. Attempted to call, but have only gotten the automated answering system, which connects to a busy dial tone ( not even put on hold ) when I attempt to speak with an actual agent. Because I can not contact Equifax to correct my current address, I am unable to get identity theft protection, because the identity theft protection company can not verify my identity while one of the three credit bureaus is reporting a current address that is incorrect.

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: OK

Complaint narrative:
Equifax improperly stored my personally identifiable information and it was divulged in a security breach earlier this year. It will now be more difficult for creditors to positively identify me when I apply for credit for the rest of my life. This is entirely unacceptable and Equifax should be pursued to the fullest extent of the law. Equifax is currently only offering me help and restitution if I agree to waive my rights to legal arbitration, which is also unacceptable.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On my credit report there are 2 inquiries from XXXX XXXX that are unauthorized. I called XXXXXXXX and spoke with a representative and he took my information, did some research and called me back a couple days later. The 2 inquiries that are not mine are XXXX XXXX, 2017 and XXXX XXXX, 2017. The specialist stated they do not have those dates on there end and I need to dispute them. I disputed them with CRA and they still remain on all three reports. These are to be removed immediately. I will not go another 30 days waiting. I have a recorded conversation from the XXXX  specialist saved on my phone. These are to be removed immediately!

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MS

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.

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: MI

Complaint narrative:
I believe that EquiFax failed to meet its obligation to safeguard my data, leaving me with a lifetime of future threats to my identity and irrevocable loss of security to my financial information. I believe that EquiFax executives have improperly profited from advance knowledge of this data breach - refer to http : XXXX.

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:
XXXX security practices led to my personal identifying information being leaked, putting me at risk for identity theft.

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: TN

Complaint narrative:
My information was not secured properly by the company that is essentially telling other companies how trustworthy I am. After they became aware of the security breach, they waited for one month to report the information leak. I do not trust them to continue to act ethically with my information.

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 status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I requested a credit report from Equifax and received the report which is XXXX. In reviewing the report, I noticed that there were comments ( 1 ) as follows : XX/XX/XXXX - Foreclosure process started XX/XX/XXXX- Paying under partial payment agreement XX/XX/XXXX - Paying under partial payment agreement I have never been involved in any foreclosure with the properties that I own, so I do n't know where this is being reported from. Since there was no information on the report to indicate where this was coming from, I contacted Equifax and they told me to contact XXXX which supplies the information. Neither company could provide any information as to where this was from, so they advised that I file a complaint with the CFPB. 

My intent is to get this removed from my credit report. Please advise.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Credit Reporting company has a major cyber breach and they have acknowledged that my Credit/Identity is compromised. 
XXXX/XXXX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
My original loan was with Springleaf Financial,  which is now One Main, for refinancing a XXXX XXXX XXXX. The loan originated XX/XX/XXXX with a first payment of {$850.00} that was due XX/XX/XXXX. There were 47 recurring payments of {$780.00}. I have been paying this loan for over a year now. I am a XXXX XXXX XXXX on a fixed income. I earn {$3500.00} a month from a pension. I earn {$1400.00} from Social Security. I also take care of my adult son who suffers from stage XXXX XXXX failure. I recently contacted One Main about refinancing the remaining loan  balance so that my payments could be lowered to something that is easier to manage. They informed me that refinancing would make my loan payments higher. How is that possible? Paying this loan has been a hardship for me. Help me.

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 status incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I am a recent victim of Hurricane XXXX, and this trade is negatively impacting me from getting the assistance that I need. My loan status is current as of this date and I need it to reflect that on my CRAs. I can not wait until the end of the month. This is a time sensitive matter. Also, the 60 day late marker needs to be removed. With my recent account maintenance, I am no longer reflecting alte for XXXX and XXXX. Please have this updated on all CRAs immediately. Thank you.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax mishandled my personal information including name, social security number, address, birth date, etc. resulting in a data breach in XXXX XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft or fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for 'trial periods ' of their ID protection services for only 1 year of protection. The information they failed to secure could be used for decades. After 1 year of protection, I and millions of consumers would have to pay Equifax for ID protection services, which is outrageous. 

Further, the only tool available to me as a consumer to protect my credit reports is the 'credit freeze ', which Equifax XXXX and the other reporting agencies, charge {$10.00} for in my state ( Oklahoma ). They want to charge me {$10.00} to freeze my report, then charge me {$10.00} AGAIN when I need to unfreeze to conduct financial business. Then another {$10.00} to refreeze, on and on in perpetuity. That would be {$60.00} per free/unfreeze for me and my husband for each credit report related transaction, for the rest of our lives. That is criminal. I should not have to pay the company who compromised my data through gross cyber security negligence. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/ fraudulent behavior and indicated by the 3 Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing and unfreezing free and refunding everyone who paid for it following this data breach. Additionally, the Equifax PIN System for freezing/ unfreezing your account is based on providing the VERY personal information that was compromised and stolen. Thus, the parties who have the ability to steal my credit information also have the ability to unfreeze my account using the inadequate security measures that Equifax has implemented. I demand that Equifax change the PIN system to ensure that credit freezing/ unfreezing is actually a secure process. Finally, I demand that Equifax provide the secure ID protection program they are offering for 1 year to those affected consumers for the lifetime of their social security numbers and the information that was stolen. No consumer should be forced to purchase credit report protection plans from the very company for egregiously failed to protect their data in the first place.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My complaint is about the security breach from Equifax. Upon visiting their website to see if I was affected by their gross negligence, I read their terms of use. In their terms of use they require that I waive my right to be part of a class action lawsuit. Not only has their negligence created a 44 % chance that my personal information has been jeopardized, they seem to be bent on protecting themselves rather than protecting the 143 million Americans that their company has affected.
As reparation for the breach, Equifax has offered a year of free identity protection to all citizens of the US. After the year is up, the consumer will automatically be charged to continue the services. 

To add to this monumental act of negligence and the ensuing act of hostility to the consumer 's right to their own information and their knowledge of the safety of their information, there was a {$2.00} XXXX sale of corporate stock by high level executives shortly after the company learned of the data breach, but prior to the breach being publicly reported. This is trading on information not readily available to the public and therefore insider trading.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On my credit report there are 2 inquiries from XXXX XXXX that are unauthorized. I called XXXX and spoke with a representative and he took my information, did some research and called me back a couple days later. The 2 inquiries that are not mine are XX/XX/XXXX and XX/XX/XXXX. The specialist stated they do not have those dates on there end and I need to dispute them. I  disputed them with CRA and they still remain on all three reports. These are to be removed immediately. I will not go another 30 days waiting. I have a recorded conversation from the XXXX  specialist saved on my phone. These are to be removed immediately!

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On my credit report there are 2 inquiries from XXXX XXXX that are unauthorized. I called XXXX and spoke with a representative and he took my information, did some research and called me back a couple days later. The 2 inquiries that are not mine are XX/XX/XXXX and XX/XX/XXXX. The specialist stated they do not have those dates on there end and I need to dispute them. I disputed them with CRA and they still remain on all three reports. These are to be removed immediately. I will not go another 30 days waiting. I have a recorded conversation from the XXXX  specialist saved on my phone. These are to be removed immediately!

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
My employer deposited my payroll check via ACH to my checking account on XXXX/XXXX/XXXX for XXXX which would have given me an available balance of XXXX. I received a text telling me of the deposit on XXXX/XXXX/XXXX. I had a check for my rent to go through on XXXX/XXXX/XXXX for XXXX. I received another text alert on XXXX/XXXX/XXXX saying that the check cleared my account. Then I woke up to a text around midnight telling me that an overdraft fee posted to my account. I went into the branch the next morning on XXXX/XXXX/XXXX and talked to a rep who said the check was returned and I received an insufficient funds fee because when the check went through it took me negative XXXX. I asked him why and explained the deposit that I was alerted about, showed him the text messages and he basically told me that the text banking and mobile alerts are unreliable and that I should have looked at online banking to get my available balance. The text alert I received was not good enough because it did n't say my available balance and the only thing it was saying was my employer initiated a deposit. Basically telling me of the back office work. He said they have a 3 day window to post the ACH deposit to my account and they did it in 1 day. Then he said it could take them XXXX to 10 day to post ACH items and that was in the disclosures I received when I opened my account ( years ago ). He printed out my account activity but it had different dates that didnt go with the text and email alerts I received. He said he had to talk to his XXXX who wasnt there about refunding the fee. I asked was there someone else to talk to about this and he said the branch XXXX isnt there on the weekend and then gave me their cards and pointed out the customer service number and told me they can point me in the right direction or explain it better. He told me that had I deposited cash into an ATM it would be available immediately and I told him that 's not true and this had happen to me before but he did n't seem to believe anything I said according to the smirk on his face.

Company response to consumer: Closed with monetary relief