vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-10 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: FL

Complaint narrative:
My information was part of the Equifax hack, and I am livid. I hope I receive some sort of monetary compensation for the risk this awful company so carelessly put me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: CA

Complaint narrative:
Equifax got hacked and my information was part of the information that got hacked. Fantastic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: DC

Complaint narrative:
Equifax, despite no assertive behavior on my own, has collected and stored a wealth of credit information about me as a private citizen for years and has now subjected that data to a system breach. This is a fundamental breakdown of the public trust and social contract of our society. We did not ask for these monitoring services and now a *private* company* has lost all that data. The impact of this can not be overlooked. Loss of my data gives bad actors years of information they can use to now attempt to impersonate me or gain access to my online accounts. Please help and let 's get to work changing the way this entire ecosystem of quasi-government monitoring is handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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 personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in 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/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. 
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 as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I was asked by Coinbase to send a SEPA transfer to their bank in XXXX. I sent XXXX on XXXX/XXXX/XXXX and within a few days I received an automated email saying that they can not accept the money in GBP as it must be in euros. They email then said the money would be returned to my bank within 1-2 business days. It has now been 33 days and Coinbase have only replied once on the XXXX/XXXX/XXXX stating that they were working with a 'specialist on my case '. They say this despite the email specifically saying the money would be returned to my account within 1-2 days and that there were no problems they encountered for them to require a 'specialist '. Upon further research, it seems an absurd amount of similar situations like mine have been raised on online forums with the same generic response of 'we are working with a specialist on your case ' used each time. It seems apparent that this line is used in an attempt to stop the customer from contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: NV

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 2017-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
TheXX/XX/2017 at XXXX I bought Bitcoins for XXXX ( fees included ) in Coinbase. 
The XX/XX/2017 I was logging into my account and I saw that it was disabled with no reason ( the Bitcoins are in the Coinbase wallet and, if I ca n't log in I ca n't get the money back ). 
They ask me to provide my ID and a proof of residence and I did it immediately by e-mail but a bot replied to it. I have put 3 complaints since then and they do n't solve my problem, they do n't answer me to the e-mail or to the XXXX messages. 

PS : I attach you the things they ask me to provide, just in case you need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: AR

Complaint narrative:
Equifax withheld information about a security breach which lead to 143 million SSN 's and other personal information to be stolen. 

I was not informed of this and my information has been mishandled, which could leave to a lifetime of difficulty with battles regarding identity theft. I demand action be taken against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit information was compromised by Equifax on XXXX XXXX and they waited to inform me. I have never given permission for the information Equifax possesses to be maintained and so this security breach severely compromises my identity and credit worthiness. This is unacceptable. This company also sold stocks between the date of the breach and consumer notification which reeks of possible insider trading. Please investigate this company and hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX withheld information about a security breach which lead to 143 million SSN 's and other personal information to be stolen. 

I was not informed of this and my information has been mishandled, which could leave to a lifetime of difficulty with battles regarding identity theft. I demand action be taken against 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 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I filed for a 90 day free fraud alert on XX/XX/2017 through Transunion and was enrolled in a nearly {$20.00} a month credit monitoring service without my knowledge. This very thing also happened to my wife on the same 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 2017-09-10 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: NJ

Complaint narrative:
As has been well publicized, Equifax has lost the personal credit information for 143 million Americans. To prevent further identity and credit theft, it is imperative that our credit can be frozen. 

At this time, the credit bureaus will only allow a fraud alert but not a freeze, unless one is ALREADY a victim of identity theft ( AKA closing the barn door after the horse has gone ) or by paying each bureau a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: NJ

Complaint narrative:
As has been well publicized, Equifax has lost the personal credit information for 143 million Americans. To prevent further identity and credit theft, it is imperative that our credit can be frozen.
At this time, the credit bureaus will only allow a fraud alert but not a freeze, unless one is ALREADY a victim of identity theft ( AKA closing the barn door after the horse has gone ) or by paying each bureau a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
american express account ending XXXX i just received my XXXX bill and this isnt the first time that ive had the same issue with amex. not one alleged thing they said i approved has my signature to verify my purschase. i dont know how but if one attains your ssn number jeez every bill is via online. and ive written them and thy dont care they just ignore me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-10 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:
Apparently happened in XX/XX/XXXX or XXXX of 2017. No actions taken on company as of yet. Just found out. 

My SSN, DOB, full address and driver 's license have been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
There are XXXX accounts by Bank of America that show a status of " CONSUMER XXXX ''. I did have these accounts but I am not now, nor have I ever been 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 non-monetary relief
Consumer complaint received 2017-09-10 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: KY

Complaint narrative:
Equifax knows about a security breach affecting nearly half the population of the United States and says nothing for at least a month. Why do I have to learn about this through random posts on social media? Why did they try to hide a arbitration clause in the site simply meant to inquire if I have been a victim?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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 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 2017-09-10 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:
XXXX XXXX or XXXX, XXXX Equifax reported a security breach. I 've had to initiate fraud protection on my credit and will now have to monitor it for my own protection. So far, nothing has happened to me. 

This type of poor security has allowed a host of problems for myself and others. A company with this kind of structure should be wholly responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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 failed to adequately secure my personal information, financial information, and credit history. Through negligence in their computer security, they allowed criminals to access all of this information and use it to make fraudulent charges to my credit cards. As a result of their negligence, I have had to spend considerable time working with the fraud department of XXXX XXXX, researching damage to my credit, and placing fraud alerts on my credit reports. I have also had to make international telephone calls to resolve the fraud, as I am currently overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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 was hacked and my information was stolen. I 'd expect a company whose job it is to keep personal information private have at least a competent security system. Now my information is available for unauthorized use forever. Given that they stole my SSN and all other personal information, I believe this will be an issue I will deal with for my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: EQUIFAX, INC.
State: WV

Complaint narrative:
There is a WV State Tax Lien in the amount of {$690.00} showing on my XXXX credit report and this was paid and released on XXXX XXXX, 2012. I have sent in verification to Equifax showing this has been satisfied and its still showing as unpaid. I have also disputed this with Equifax and never received a response, only stating it was a valid debt and did belong to me. It needs to be updated and corrected that this has been paid and released.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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:
Equifax mishandled my credit report and personal information as well as those of 143 million US citizens/residents by allowing the highly valuable data to be hacked from their servers. They should be held accountable for the liability they have put me in. They should offer lifetime credit monitoring services, not 1 year protection. Hackers are smart enough to wait until the 1 year period is through until they start using the stolen information.Additionally, insider trading occurred as some high level executives sold company shares before these news were revealed to the public. I demand action takes place against this poorly run corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In XXXX and XXXX XXXX, the following accounts were deleted from all 3 credit bureaus : XXXX XXXX in the amount of {$64.00} -XXXX XXXX XXXX in the amount of {$440.00} In XXXX of XXXX and XXXX XXXX both accounts were reinserted back onto my credit report. According to the fair credit reporting law we are supposed to be notified before reinsertion of any deleted accounts on a consumers credit report. I did not receive any reinsertion notification about either of these accounts. Here is the law below : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material : Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a  consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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:
As I am sure you are aware by now Equifax, a consumer credit reporting agency in the United States, allowed -- through total criminal negligence in violation of laws governing the handling of such data -- for the disclosure of the personal information of about 143 million people both in the United States and abroad. This information included dates of birth, social security numbers, names, drivers licenses, and in some cases credit card numbers. All information that can easily be used to steal and ruin someones identity. 

Through their complete incompetence, these data were made available to hackers through a web vulnerability. It 's unconscionable to me how a company who 's only responsibility is to manage this data for the purpose of generated credit reports were so reckless with where and how the stored the data that this was able to happen in the first place. 

They were also well aware of this months before they made this information public.

Company response to consumer: Closed with explanation