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: PA

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 2017-09-10 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 early as XXXX 2017, Equifax may have unlawfully disclosed my personal information, including social security number, addresses, driver 's license number, and financial information, to unknown third parties. They have not yet directly notified me, although I 've requested information from their Notice of Breach - Potential Impact page and confirmed that my information may have been disclosed. I have examined the proposed response by Equifax, and have found the process of opting out of their arbitration clause to be onerous, rendering their identity theft and general security monitoring service inadequate and intolerable. I urge the CFPB, Department of Justice, and other state and federal authorities to immediately sanction and bring suit against Equifax, including management, board of directors, responsible employees, and large shareholders. I demand security and monitoring services to protect my personal information for a period of not less than 80 years, to be provided free of charge for not less than 10 years, and thereafter subsidized by the financial resources of Equifax and any major financial institution that provides consumer information to Equifax. I demand that the same services and rectifications are provided to all 143 million victims of this unlawful breach, and to hundreds of millions who likely be subject to similar crimes corporate irresponsibility in the future, and expect that every judge, lawmaker, and bureaucrat will be bent toward the will and security of the American people.

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: MN

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: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was gifted a car after the XXXX of my grandmother a year ago in XXXX. When I went to pay my sales tax and get the title transferred into my name I was told I needed a proof of. lien release before I could transfer title. The front of title under lien holder was signed and dated as released. I went back to my local DMV on Wednesday XXXX XXXX and told them the Lien Holder on the title was no longer in business. It was the XXXX XXXX XXXX XXXX out of XXXX, TN. The woman gave me the number for the XXXX XXXX XXXX XXXX XXXX XXXX opt XXXX. She seemed sure they would be able to help me. I left a message for a woman named XXXX and never got a call back. So, Thursday XXXX XXXX, I called again and spoke with her. She said informed me I needed to speak to someone at the OCC because they would have the information I would need to get this one little piece of paper. The number she gave me was XXXX. When I called the lady I spoke with searched for the bank listed as lien holder and she came up with a bank called Regions that was now based out of Alabama. She told me that unfortunately she could n't help me any further but she would give me the information for the company she had listed to handle all complaints for Regions Bank. Their address was XXXX XXXX XXXX XXXX, IA XXXX and contact phone was XXXX or online at www.consumerfinance.com. I then called them and a lady by the name of XXXX answered my call. After my discussion with her I had come to the conclusion that until then I had just been passed around from number to number so they did n't have to handle my issue. She informed me that my best bet would be to file a complaint on Regions Bank and wait for a reply from them. So, here I am doing my best to keep my sanity and hoping to find a solution to this whole proof of lien release needed from a company no longer in business in which I have gone a year past the date given the vehicle without being able to license it. I have attached a scanned copy of the title to this complain,

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: NM

Complaint narrative:
This complaint concerns the XXXX data breach during the summer of 2017, their failure to report theincident in a timely manner, and as of today their failure to make available who data was included in the breach. I followed instructions on Equifaxs web site to determine my status in the breach and received this notice : " Based on the information provided, we believe that your personal information may have been impacted by this incident. 
Click the button below to continue your enrollment in TrustedID Premier. '' This is an unacceptable message telling me that they believe PII may have been impacted by this incident. 

This message is posted on their web site as an update to the problem : " Cybersecurity Incident & Important Consumer Information Consumer Notice FAQs Potential Impact Enroll TrustedID Premier Contact Us A Progress Update for Consumers XXXX XXXX, 2017 We understand that some consumers are experiencing difficulties getting the answers and support they need through our website and call center. Ramping up the website and call center to handle the anticipated volume is ongoing and we are focused on making improvements as quickly as possible. We apologize for any inconvenience this process has created. 

Thus far today, weve made the following adjustments : 1 ). YOU CAN DETERMINE YOUR STATUS IMMEDIATELY Some consumers who visited the website soon after its launch failed to receive confirmation clarifying whether or not they were potentially impacted. That issue is now resolved, and we encourage those consumers to revisit the site to receive a response that clarifies their status. 

2 ). NO WAIVER OF RIGHTS FOR THIS CYBER SECURITY INCIDENT In response to consumer inquiries, we have made it clear that the arbitration clause and class action waiver included in the Equifax and TrustedID Premier terms of use does not apply to this cybersecurity incident. 

3 ). EXPANDED OUR CALL CENTER We have tripled our call center team to over 2000 agents and continue to add agents. 

Our goal is to make this process as convenient and consistent as possible. We will continue to identify steps to improve this process. 

And we will continue as well to listen to your comments and suggestions. '' I still ca n't find out if my data has been stolen. I should never be required to any arbitration rights due to a problem caused by XXXX or any other credit bureau. I do n't have a choice as to whether they have my PII data or not. I should have no fees associated with applying a credit freeze on my account due to Equifaxs errors, or carelessness compromising my PII data.

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: AZ

Complaint narrative:
When I went on to the XXXX site to check how the recent hack impacted me, the site stated that my personal information might have been compromised. Now my credit score is at risk, and so is my personal identity.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1. TransUnion 2. XXXX 3. XXXX The/XXXX  I 'm authorized XXXX XXXX is primary account I  am an authorized user on these accounts or cards and you still have n't place them on my credit file. I would like for you to immediately place the accounts on my credit report please. The card user contacted you several times and authorized me on the cards for all 3 bureaus but you never performed the task by placing me on the accounts why is it taking long. 

TransUnion and XXXX accounts not reporting : 1. TheXXXX Opened XXXX XXXX balance is {$2100.00} 2. XXXX XXXX opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all of my payments current last payment XXXX XXXX. XXXX XXXX accounts not reporting 1. XXXX XXXX Opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all my payments current good standing. Last payment XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1. XXXX 2. Experian 3. XXXX XXXX I 'm authorized XXXX XXXX is primary account I am an authorized user on these accounts or cards and you still have n't place them on my credit file. I would like for you to immediately place the accounts on my credit report please. The card user contacted you several times and authorized me on the cards for all 3 bureaus but you never performed the task by placing me on the accounts why is it taking long. 

XXXX and Experian accounts not reporting : 1. XXXX XXXX XXXX XXXX balance is {$2100.00} 2. XXXX XXXX opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all of my payments current last payment XXXX 1. XXXX XXXX accounts not reporting 1.  XXXX XXXX Opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all my payments current good standing. Last payment XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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 protect my personal data when it submitted itself to a cyber security breach earlier this year. This puts myself and many others at risk of identity theft, potentially affecting my credit rating. Additionally, Equifax failed to notify me that my data was stolen in a timely manner, as the breach occurred during the XXXX - XXXX 2017 time frame. I have confirmed that I am affected using the free impact service Equifax provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
In XXXX 2017, I noticed that the Ad Astra had posted derogatory remarks on my account. I sent them multiple opportunities to verify debt but all they would reply with was they reviewed the account and determined that it was valid. 

I contact them back and said that the message they sent is not proving that i owed their company money. After i sent the 3 letters, i submitted a estoppel and after a day or two after they received the estoppel, they contacted me again wanting money from me via postage mail. 

Even though they XXXX my account with XXXX XXXX, they continue to leave derogatory remarks with XXXX and possibly also XXXX ( I have not checked XXXX yet )

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

Complaint narrative:
Equifax was hacked and exposed my data to XXXX knows who.

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:
Earlier this week, we were alerted to the fact that the personal financial information of consumers had been compromised due to an " epic breach '' at Equifax, one of the three major credit reporting agencies. 

One piece of advice given to consumers was to freeze their credit files with all three agencies - Equifax, XXXX and XXXX. 

Equifax is still permitted to CHARGE for a credit freeze, effectively allowing them to profit from this breach. They further want to CHARGE people for the privilege of having their credit files monitored for fraud or other unusual activity, a service that all three credit reporting agencies should be providing for FREE 365 days a year. 

To use the word " outrageous '' is an understatement. I am reporting gross incompetence and mismanagement of my financial records at 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: 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 number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

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 — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax failed at protecting my credit information from hackers. They have offered free credit monitoring for a year as compensation. Too little, too late ... my information has been compromised and the repercussions can potentially last for many years. They failed to do their job and have offered no reasonable solution to the massive problem they helped create.

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: NC

Complaint narrative:
Equifax, through what at this point appears to be gross negligence, was affected by a cyberattack that resulted in the theft of the personal information of 143 million names, social security numbers, addresses, and associated data. Equifax has been aware of the breech since XXXX XXXX, but only made this information public on XXXX XXXX. 

At this point, it looks likely that my information was affected, but there 's no way for me to determine this : the tools Equifax has provided are demonstrably non-functional. 

Despite presumably having complete address records for everyone affected ( they are one of the major credit reporting companies, after all ) they instead suggested that people who might be affected go to an insecure site where they are asked to provide even more personal information, with no guarantee that they can keep that secure either. 

The XXXX for their site uses a number of what are commonly referred to as " dark patterns '' which is barely acceptable on a site trying to get me to sign up for their newsletter, and absolutely unethical on a site that purports to be offering assistance to victims. 

Equifax is using the incident as a loss leader for a subscription to their premium TrustedID service. While offering some form of identity protection is common after a security breach, most negligent companies are n't so brazen as to attempt to directly profit off the victims who were just robbed. 

It 's also become apparent that their auto-generated PINs for credit freezes use an extremely insecure, bringing into question how secure the rest of their data is.

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: NV

Complaint narrative:
Step 1 : What is this complaint about?
This complaint is in regards to the Equifax data breach, but specifically with the way that credit freezes are being handled.
Step 2 : What type of problem are you having?
Being as this will be something that impacts someone who has had their information stolen for the rest of their life, it seems a bit silly/wild to myself that we are expected to pay for a credit freeze to try and help prevent any further damage that has been inflicted upon us as is.
Step 3 : What happened?
All but Equifax are currently charging for a credit freeze. While I realize that the other credit reporting agencies did not have any fault in this situation, it would seem to be the right thing to do to help those in this situation.
Step 4 : What company is this complaint about?
All three credit reporting agencies Step 5 : Who are the people involved?
Myself, and anyone else impacted in this data breach.

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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Purchased 2 tickets from XXXX XXXX XXXX on XXXX XXXX XXXX for {$1300.00} each adding to {$2600.00}. Paid to the merchant from XXXX XXXX XXXX account. Never authorized to charge on credit card. When found charges on credit card on XXXX XXXX XXXX I asked merchant to return money which he promised he will. Waited for Merchant to return charges on credit card but this never happened. Created a dispute with Chase Bank on XXXX XXXX XXXX about these transactions. Case Numbers are ( XXXX, XXXX, XXXX, XXXX ). Provided necessary documents ( Bank transaction proof with merchant ) to Chase Bank to substantiate claim to reverse the transaction. Chase came back with invalidating my claim and keeping charges on my account on XXXX XXXX XXXX. 

These charges on credit card are invalid charges and never authorized by me. Merchant fraudulently put a charge on my credit card after I transferred him money from bank. Credit card charges needs to be reversed. Merchant name is XXXX XXXX. Last known address of business XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Last known contact number XXXX XXXX XXXX XXXX XXXX. Merchant is not responding on phone for some time now.

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 Security Breech Complaint Summary : " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX  residents were also affected. '' XXXX Thread and XXXX Thread " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Attempting to verify identity on site resulted in positive result for data breech, however offered solution is to wait for Equifax to offer identity protection service while giving up any ability to recover losses due to improper usage of data collected via legal methods.

Company response to consumer: Closed with explanation