vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-08 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: NY

Complaint narrative:
Equifax provided lax security to my personal information and was hacked ... then wants me to sign up to monitor my credit. Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX  VA XXXX   XXXX  dob XX/XX/XXXXBy law all inquires over

two years old must be removed my credit report. Transunion will not removed the following inquired from my credit report that are over two ye
ars old.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX  ) XXXX XXXX XXXX I ndividual Requested On : XX/XX/XXXX,  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX I ndividual Requested On : 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 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc.
State: KY

Complaint narrative:
I find it pretty stupid that Sterling Talent solutions does not do background check based on social security numbers, and that you get someone elses info on mine costing me employment. I have never had a criminal record and I have never been to XXXX so all the info pertaining to a XXXX XXXX is bogus, as well as anything else outside of XXXX where I have lived all my life except for 9 months in XXXX at which time I still owned my residence in XXXX. This needs to be addresses as soon as possible in conjunction with the CFPB Thanks Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SS XXXX DL 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 2017-09-08 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: ID

Complaint narrative:
Equifax was hacked from XX/XX/XXXX through XX/XX/XXXX, apparently. It 's XXXX and they 're just now notifying us of the hack. That 's too long, it 's over a month. I still have n't received a personal email/letter/anything. I had to hear about it on the radio while driving to work. Equifax did set up a separate website, but if you do n't click on exactly the right things in the right order they try to enroll you in something that waives your right to be part of a class action lawsuit, which is nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: NC

Complaint narrative:
Equifax announced a cyber-security 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 mid-XX/XX/XXXX throughXX/XX/XXXX.
I am one of those victims according to Equifaxs Check Potential Impact tool.
They offer a free subscription to TrustedID Premier, but if I agree to the terms of service I will not be able to participate in a class action lawsuit if one should be filed. Believe me when I say- I want to sue them out of existence.
I do not trust Equifax with my personal information, as they have shown it is not secure. Now it 's 'out there ' forever. My personal credit information is now out of my control due to the ineptness of this company. My identity is at risk and it falls completely on the feet of Equifax.
Just days after the breach, several top executives from Equifax sold almost {$2.00} million in stocks, yet they waited months to inform the public. I believe this to be criminal.
They are using fear to 'trick ' people into signing up for the credit monitoring service for one year free, only to ( 1 ) prevent them from suing, ( 2 ) to charge them for this service for the remainder of their life, if they wish to monitor their Identity and try to control their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have been trying to cancel my monthly subscription to Experian credit monitoring services. They charge XXXX per month on a reoccurring billing cycle. I have called 5 days in a row and get nothing but music and long hold times. in five days I have spent 7 hours 52 minutes and have never spoken to anyone. Meanwhile, I will just keep getting billed because there is no other way to cancel. 

It 's disappointing that this is allowed to take place but companies at all.

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 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I tried several times to contact the company to get assistance with paying my credit card bill and lowering and/or removing fees during my time of a financial hardship due to loss of income, but have not been able to speak to anyone at the company for any help. I would like to keep the account open and return to good status with the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to lodge a formal complaint with the CFPB against Equifax, the credit reporting agency. 

Like millions of consumers, I learned in the newspaper and on television yesterday that my social security number, date of birth, home address and other personal information may have been compromised by a data breach at Equifax that occurred between XXXX and XXXX of XXXX, but that Equifax only revealed yesterday ( XXXX XXXX, XXXX ). 

In accordance with instructions in the newspaper and on the Equifax website I went to a special webpage that Equifax set up to let consumers know if there data had been compromised as part of the hack. 

I was informed by the Equifax system that my social security number and other personal information may have been compromised. And that 's it. No other clarifying information is provided. All a consumer get 's is appointed date to sign up for some lame credit monitorings service, with a disclosure that there will be no reminders and no other information about such an important topic. There is no number to call to get other information and no other support provided. 

This is outrageous. Due to Equifax 's breach my credit history could be compromised ( literally as I type this ) and Equifax refuses to provide reasonable information or support to consumers. 

Something must be done. This company needs to be directed to do more and to be fined severely for failure to disclose the data breach and correct it for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: GA

Complaint narrative:
Since yesterday, I have been trying to opt-out of the automatic opt-in for the terms of service for the Equifax website equifaxsecurity2017.com. There is no option given for opting-into the TOS, therefore it should be invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: ME

Complaint narrative:
Equifax was hacked and had 143 million accounts stolen including social security number, drivers licenses, personal information. 
This happened in XXXX 2017 and I did not know anything about it until I saw it on the news. 
They need to be investigated and taken to task and be for why it took a month and a half before it was known they had a security breach of this magnitude. 
Also why are they not required to notify every single person by mail whose information may have been impacted. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
My information, my wife 's information, and my daughters information all were breached by cyberhacker. i waited on hold 4 different times for a representative, more than 15 minutes each time and then they simply brought on a recorded line that told me to try later and disconnected me.
Why does the credit reporting agency even have my drivers license information? I find this to be totally unacceptable. I have no control over companies providing Equifax with my information nor do i have any control over Equifax diligently protecting the information.
In addition, all burden is on me to figure out if I was impacted when they simply could have mailed me a notice. They have known about the breach for over a month now. This is an area that I would expect my Government to be able to control and one that I expect my tax dollars to be used to defend my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Related to Equifax 's latest breach of consumer data, Equifax is either unwilling or unable to provide information as to whether and how much of my personal data was affected by the data breach. Their website www.equifaxsecurity2017.com only tries to sign us up for their credit monitoring service, which, coincidentally enough, then waves our right to sue. I have also tried calling their contracted company via the telephone provided on this website and they referred me back to the malfunctioning/nonfunctioning website. They are unwilling to connect me directly with Equifax corporate for more information. This is an inadequate and negligent reaction to their data breach in my opinion. 

Are they not required to advise whether or not our personal data was compromised? 

In a likely related scenario, I have been struggling with Identity Theft since late-XXXX ( just one or two weeks after this data breach ). I find it VERY hard to believe that this is a coincidence. We have a right to know if our data has been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: NY

Complaint narrative:
Equifax did not have adequate security in place, and leaked my SSN and now they want me to pay for their service to prevent identity theft that they made  possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: MN

Complaint narrative:
Equifax mis-handled my data, leading to my private information ( SSN, DOB, address ) being exposed and leading to a life-long identify theft threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has compromised/leaked my credit and personal information, and is still attempting to charging me for a credit freeze. They are the direct cause for the freeze, yet some how I suppose to pay them to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
Equifax had a severe security breach " in XX/XX/XXXX '' where all confidential information was leaked. This was only disclosed on XX/XX/XXXX and XX/XX/XXXX. The data leaked is sufficient to destroy my and hundreds of millions of customers credit and lives.
Information disclosed included address and address history, SSN, DOB, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: MA

Complaint narrative:
With regard to the recent data security breach at Equifax, they are offering free credit monitoring to those impacted. It appears that the terms imply that by accepting their monitoring service you must agree to resolve any related disputes through arbitration and forego your rights to file suit or join a class action. Seeing as that they are at fault for the issue, I do not think they are in a position to further impose upon my rights as a prerequisite of providing me with a service that does not actually remedy the problem. Credit Monitoring Services and Fraud Insurance does not solve the problem of a data breach, it only provides assistance in identifying and resolving potential negative impacts for a limited time period. The negative impacts could arise much later, and this service is not preventative. I expect to be provided this service without sacrificing my rights later. From https : XXXX/www.equifaxsecurity2017.com they link to the TOU from their main site : http : //www.equifax.com/terms/

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 is trying to trick people into giving up their right to sue them when they go to their website to see if their financial information was compromised by the hack. When customers go to see if their information has been compromised, they give up their right to sue. This is very shady. Please see article below for addtional information " If you do choose to sign up for the credit monitoring service, you must agree to submit any complaints against Equifax to arbitration. You ca n't sue on your own behalf, and you ca n't join a class-action case or benefit from any class-action settlement that Equifax agrees to. '' XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was charged an annual fee of {$75.00} by American express for my inactive XXXX XXXX card. 

I did not receive a notification about the fee and my account statements were being marked as spam by XXXX due to long term inactivity. 

I got a notice that I had not made a payment on my card and I logged in to find out about the fee. I have tried to get it resolved with XXXX but they insist on the fee, even though I have cancelled the card already with them. I will not have use of the card for the next 10 months even though I have paid the fee. For the next 10 months XXXX does not owe me exposure to the tune of {$24000.00} and has no liability to me charging off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: IL

Complaint narrative:
On XX/XX/XXXX, Equifax announced that over 140 million of their customers had had their personal and financial information stolen. They released a site which allowed you to check if you were one of those affected by this breach. Upon checking my status, Equifax informed me that my data was most likely compromised. This is a massive security failure by a company who 's primary service is to maintain and secure extremely important private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX and XXXX I faxed XXXX A six page complaint including drivers license Social Security card and a police report.in result to faxing them this I have contacted them over eight times verified their fax number and a department that it was sent to and they are constantly telling me that there 's no documents uploaded to their system or no way to locate my personal information. They refuse to give me any other updates and telling me that I have to dispute each account one by one and seeing in the documents over which I stated to them that I am not in the US and therefore all the documents have been sent to the US and not able to do so at the time.they also told me that it will take an additional couple of days from the initial time that I sent and the complaint the representative then open up disputes on that account I asked to backdate them to the XXXX which I was given the answer no. This is very unfair to me and my family because my credit is how I support my family without Credit I can not get a place to live a decent job to take care of my kids as a single mother I am all my kids have.

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 2017-09-08 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 allowed for my entire information : SSN, DOB, DL #, address, credit card information, etc. to be accessed by parties not entitled to the information. My entire equifax history is now part of the hacker world with complete access to anything they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I tried several times to contact the company to get assistance with paying my credit card bill and lowering and/or removing fees during my time of a financial hardship due to loss of income, but have not been able to speak to anyone at the company for any help. I would like to keep the account open and return to good status with the company.

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 monetary relief
Consumer complaint received 2017-09-08 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:
As of XXXX, I and 143 million other Americans have had our most sensitive identifying information, such as SSNs, birth dates, addresses, etc., exposed by a breach of which Equifax knew of and did not notify the public about until several months later. 

To add insult to injury, not only are they refusing to provide customer support services on their website, but the phone number and website I have been attempting to freeze my credit report with can not complete the process. I have attempted to reach the other support numbers they offer to no avail. They are providing zero customer service and have been completely non-responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
Equifax failed to properly and securely store sensitive information that is directly related to my personal identity and finances. After discovering a significant data breach, the company failed to notify consumers of the breach within a timely matter. Additionally, Equifax executives sold personal shares of company stock while withholding information regarding the data breach from consumers who were affected.

Company response to consumer: Closed with explanation