vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Hi there, I was one of the ~150 million affected by the XXXX breach. This was my experience trying to clean up the mess for myself. 

1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation.
2. XXXX XXXX language is vague and misleading. Something along the lines of " you may have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine.
3. When trying to fix the problem at both XXXX and XXXX, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar. 
5. I have a {$10.00} charge from Experian on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and Experian 's line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for Experian and XXXX to freeze my credit.

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 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I found XXXX XXXXXXXX XXXX on my XXXX XXXX report. I do not recognize this company or ever having done business with them. Under Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: COAST PROFESSIONAL, INC.
State: GA

Complaint narrative:
Coast Professional, Inc : This letter is being sent to you in response to a notice sent to me on ( XXXX/XXXX/XXXX ) Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX XXXX XXXX ) This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, Your Name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: IL

Complaint narrative:
After months of back and forth and no verification provided all medical from merchants credit had been deleted I even provided a letter from them saying it would send notice to delete to credit bureau .... in XXXX XXXX said accounts were deleted NOW THEY HAVE REAPPEARED WITH NO NOTICE ... written notice nor verification ... this is against the FAIR CREDIT REPORTING ACT which clearly states you can not do that without notification nor can you reinsert previously deleted items

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
equifax enrolled me when i did not click on enroll

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Higher Level Processing
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is demanding that I owe them {$390.00} as part of their processing. I do n't need their company but they say I owe them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-14 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: MO

Complaint narrative:
XX/XX/XXXX I had called XXXX XXXX to attempt setting up my own account. I was asked for my social security number so they could do a credit check. I specifically asked if it was a hard inquiry or a soft inquiry to determine if it would affect my credit report. I was told by the customer service agent it would be a soft inquiry, so I proceeded through the process to establish an account. Officially XX/XX/XXXX I had established my account with XXXX. XX/XX/XXXX I visited XXXX XXXX and noticed I had a hard inquiry from XXXX on my Equifax credit report. I immediately called XXXX and reported this false information, and they told me that there was nothing that they could do that they apologized for having been given the incorrect information. I also later called Equifax and they told me there was nothing they could do to investigate or remove the inquiry. Bottom line, the correct course of action was taken, XXXX 's process is actually to pull a hard inquiry to the credit report to be able to have an account. But I was directly misinformed when trying to establish my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: MA

Complaint narrative:
I think you know - Equifax - have tried multiple times to freeze my credit report with them and their own website gets you close but then gives you an error - the other two services XXXX and XXXX  worked fine - someone should really really hold Equifax accountable - they say their website is working but then it says come back later after you enter all your data, I tried several times - if I suffer because of their inability to first protect my data ( which I did NOT ask or give them permission to collect ) and then their inability to institute locks or freezes who holds them accountable - this is crazy!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: SC

Complaint narrative:
Dear Sir or Madame Equifax has repeatedly reported my name incorrectly, with many different variations, which has affected other organizations being unable to access my credit report. 
Attached are several older Equifax reports which show these incorrect variations. 
Equifax Report XXXX XXXX XXXX XXXX XXXX. 
Equifax Report XXXX XXXX XXXX XXXX On XX/XX/XXXX I faxed Equifax identification such as driver licensure, social security and utility bill. 
About 3 month ago, I mailed in identification, which an Equifax agent stated they did not receive. it. 
Therefore, XX/XX/XXXX using certified mail, I resent Equifax my identification of driver licensure, social security card and utility bill. 

Enclosed ; A ) Dispute Letter Sent to Equifax B ) Old Equifax credit Reports XXXX and XXXX C ) Supporting ID documents sent to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: GA

Complaint narrative:
My first name is XXXX, I am part of the class action lawsuit against Global Client Solutions for Processing Illegal Debt-Settlement Fees I was their client in XXXX XXXX, New Jersey, I got a mailer from the company to use their service for Credit Card Debt. I paid {$300.00} each month and was told to stop paying my credit card bills. My ex husband did the same thing with the same company, around the same time and was award a refund for this class action. 

I 'm trying to find out how I can claim my share of the settlement. I paid a total of around {$3000.00} and learned my debt was not paid off. 

I 've since moved to XXXX and have had no correspondance. Please let me know how I can find out if I can receive part of the settlement and what documentation I need to provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2017 I tried to freeze my credit with Experian. They make this exceedingly difficult and frustrating to do so. Their first form required collecting my credit card and SSN before finally notifying me that for some reason I could n't use this page and would have to either mail many sensitive documents or upload them. When attempting to upload the documents, the require extremely small file sizes, making it an extra hassle to get the documents together. Even though I had documents of the correct size and file type according to their specifications, I received an error that my documents were too large. After lowering the image resolution further to try to comply with their requests. I get a message along the lines of I had " exceeded the maximum number of attempts. '' Look. They 're obviously trying to make this difficult to do so that we 'll buy their monitoring products out of fear of someone stealing our identity or not be discouraged from taking out credit products due to the freeze. This is highly unethical and overly burdensome to consumers. Freezing credit should be easy, if not a right. The fact that they try to make this almost impossible to do is ridiculous. 

As of now, I am still unable to freeze my credit with Experian.

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 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I checked to see if I was part of the Equifax hacking leak on XX/XX/XXXX using the Equifax provided checking link. I received a mediocre response in that they said i " might be affected by the hacking ''. This is unacceptable it should be a yes or no response. Also, I asked a friend to check to see if they were effected by this incident using the same Equifax checking website and their response was identical on XX/XX/XXXX a few hours after I had check if I was involved. I believe this to be a fraudulent response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: CO

Complaint narrative:
Equifax breach of information. I was notified I may have been exposed, however I can not get a solid answer from anyone regarding the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: FL

Complaint narrative:
I have a XXXX account reporting on my Equifax report. They 've showed it verified and they wont reinvestigate. XXXX and XXXX were n't able to verify that same account. During the time of my investigation was the same time that Equifax had security breech. The name on the XXXX account and the name on my Credit Report does n't match up. I know that because XXXX sent a letter to my home with a different name on it. This account is reporting and it is costing me XXXX points of my credit score. My XXXX and XXXX XXXX are in the XXXX 's. I do n't know what else to do besides send another complaint. Knowing my information may have been compromised during my disputing process and knowing I 'm being penalized would only lead me to take lawful action. All Im asking is that this account be deleted so that I can live my life for my family and get the best interest rates to purchase items that I know I am credit worthy for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This debt was already paid and I have contacted equifax and told them that I have paid this debt five to six years ago. I also contacted the company which stated this should not be on my credit but equifax refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: MA

Complaint narrative:
Equifax was hacked and now everyone 's social security numbers and information is exposed. Two factor authentication is needed to prevent identity theft. I should be able to get a phone call, text message, or email from the credit bureaus when a creditor tries to open a new credit account in my name etc. 

Or I should be able to log into a website or app to freeze and thaw my credit at all 3 bureaus in real time ( similar to XXXX XXXX XXXX Freeze It - See Link XXXX XXXX XXXX XXXX Where is the regulation for something so vital to consumers? I 've been worried about this kind of thing for years and of course it takes a massive data breach for anyone to start talking about this. Please hold Equifax responsible for this and make all 3 bureaus take steps to protect our information and enable some type of 2 factor authentication. 

We also should n't have to pay to freeze and thaw our credit! This should be free and it 's ridiculous that we have no control over this. There is no reason all of this should be so difficult unless you allow these companies to put their profits ahead of sensible rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is follow up complaint to previously filed CFPB complaint ( ref # XXXX XXXX American Express responded to my original complaint that the matter will be resolved by XXXX/XXXX/XXXX. 
As of today, XXXX/XXXX/XXXX, advertised bonus points are still not credited to my account. 
When I contacted the american express regarding the issue, I am again being told that they will have to open the investigation. 
I am suspicious of AMEX business behavior of false advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: MI

Complaint narrative:
I 've been charged {$10.00} from XXXX, Equifax, and XXXX on XXXX XXXX XXXX to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.

Company response to consumer: Closed with explanation