vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
XXXX and XXXX are involved in a SERIOUS breach of security relating to giving out credit card information to automatic billing vendors. On Friday, XXXX XXXX, XXXX, I picked up my new replacement credit card from XXXX from my XXXX XXXX XXXX I check this box once or twice a week for mail. I waited until Monday, XXXX XXXX, XXXX to call to activate the new card so I could call all the vendors that have automatic billing to give them the new credit card number ( as instructed in XXXX 's instructions with the new card ). When I called the vendor, XXXX XXXX XXXX XXXX XXXX XXXX, I reached the automated billing system. This system TOLD ME my NEW credit card number and NEW expiration date. I had NOT given AHS this information. I called XXXX to ask how XXXX got my new credit card number since I had just received it and activated it. The agent said CHASE does not give out that information and offered to change the card number. I called XXXX next. The agent said their file showed on XXXX XXXX, XXXX, the new credit card number was updated when XXXX sent an alert that my old card was going to expire and XXXX gave the new credit card number and the system synchronized and updated the number. ( The old card was valid to XXXX, but XXXX was dropping the military program and also changed from MC to XXXX so XXXX was issuing new cards to members. ) I called XXXX back again and spoke with XXXX in XXXX, XXXX, the Fraud supervisor, XXXX in the Disputes Dept and finally, XXXX, a Disputes supervisor. They all said they are not allowed to give out credit card numbers, however, did verify this new number was used for XXXX 's automatic billing on XXXX XXXX, XXXX before I even had the new card or activated it. XXXX kept saying CHASE did n't do it. XXXX the XXXX supervisor, says XXXX has an automatic account updater and XXXX did it. XXXX, in the XXXX XXXX said XXXX did it, but she did n't know how to answer my question and she forwarded me to her supervisor, XXXX. XXXX said XXXX does the automatic update and XXXX has some authorization on file with XXXX to allow this ( however, the other automatic billing vendors do n't have this authorization? ). She also could not answer my question : HOW WAS XXXX ALLOWED TO PUT CHARGES ON A CREDIT CARD I HAD NOT YET RECEIVED NOR ACTIVATED? ALSO, WHY WERE THEY GIVEN THIS CARD NUMBER WITHOUT MY AUTHORIZATION? None of the people at XXXX could answer this question, they took no responsibility, and blamed XXXX and XXXX. 

This is a SERIOUS breach of the security I should have over who has access to my credit card number unless I give it to them. Also, if XXXX and XXXX are automatically giving out credit card numbers to vendors this needs to be addressed immediately. If this happened to me, it 's happening to many other people also. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I notified Experian by faxing them a copy of some inquires that is on my credit report that I asked them to dispute and they only sent me a letter stating the reason the inquires are listed on my credit report. I tried to contract Experian numerous of times only to be told that my account is handled by a special agent department that I can never get ahold of anyone due to long hold time then by the time I do get a hold of someone I 'm told that they can not dispute inquiries. 


XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXs XX/XX/XXXX XXXX XX/XX/XXXXThese are in inquries are needed to be disputed and deleted off of my credit report and I need Experian to assist this matter.

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 2017-09-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Veripro Solutions Inc.
State: FL

Complaint narrative:
Company is trying to collect a debt which is barred by the Florida Statute of Limitations. Payment on the note was due in XX/XX/XXXX.More than 5 years have passed since default and collection/payment is barred from collection activity at this time.This is a clear violation of FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
This is regarding the Equifax data leak that occurred in XXXX 2017. The fact that I, along with over half of my fellow Americans, have had my identity stolen that can be used either now or in the future leaves a high amount of uncertainty of my financial records and credit. I demand consequences to Equifax and the executives responsible for this, as well as security on future data and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax had a data breach and now they are charging {$30.00} to put a credit freeze on accounts, this is absolutely ridiculous and should n't be allowed! My next step is a lawyer!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: 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 2017-09-12 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: GA

Complaint narrative:
XXXX, XXXX, Equifax have allowed computer hackers to access my credit and personal information and allowed hackers to open many accounts and taken all of my money in my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX has allowed the personal identity of myself, and my 4 family members to fall into the hands of criminals. They did so knowing there was a weakness in their security, and their top executives sold off stock in their firm, before making it public, protecting themselves, at others 's expense. 

I believe a crime HAS been committed, and I should be able to place a 7 years freeze on all 3 of credit bureaus for myself and my family AT NO CHARGE! 

Alternatively, the federal government should allow each of us to change our social security card. 

I am dismayed by the lack of federal attention to this matter. I expect it from the Criminal in Chief and his team of hacks, ( Trump ), but hope for better from your department in the days and weeks to come. 

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 2017-09-12 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: WA

Complaint narrative:
XXXX has allowed the personal identity of myself, and my 4 family members to fall into the hands of criminals. They did so knowing there was a weakness in their security, and their top executives sold off stock in their firm, before making it public, protecting themselves, at others 's expense. 

I believe a crime HAS been committed, and I should be able to place a 7 years freeze on all 3 of credit bureaus for myself and my family AT NO CHARGE! 

Alternatively, the federal government should allow each of us to change our social security card. 

I am dismayed by the lack of federal attention to this matter. I expect it from the Criminal in Chief and his team of hacks, ( Trump ), but hope for better from your  department in the days and weeks to come. 

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 2017-09-12 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:
My wife and I now just have to wait to become victims of identify thefts along with XXXX XXXX other Americans for the rest of our lives thanks to Equifax and its XXXX security breach that has been just announced by them as having occurred from XXXX through XXXX of this year. 

In accordance with the recommendations of experts, we have obtained the services of a credit monitoring service and have frozen our credit with all XXXX credit reporting agencies at a cost of {$29.00} per month, each, as well as a fee of {$10.00} each, per agency, to " freeze '' our credit reporting with them. The breach is obviously a separate matter entirely but to have to pay a fee to each of these agencies to freeze or unfreeze credit with them on a service consumers can not opt in or out of seems unavoidable and abusive in light of recent events ( a clear UDAAP violation for those of use working in regulated financial institutions XXXX. 

The CFPB needs to also refocus itself to protecting consumers from UNREGULATED participants in our financial services industries such as credit reporting agencies and others that in additional to selling products also maintain private personal information. First and foremost with regards to " protecting '' consumers the CFPB should look to ensure that these unregulated participants are subject to the same level of scrutiny and audits that XXXX and established regulators like the FDIC and XXXX do in some many areas including cybersecurity with regards to banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, XXXX, TRANSUNION All 3 credit  reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call

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 2017-09-12 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: NC

Complaint narrative:
XXXX, EXPERIAN, XXXX All 3 credit reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call

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 2017-09-12 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: MS

Complaint narrative:
They will not delete account paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC

Complaint narrative:
I am continually receiving collection phone calls from Credence Resource XXXX I was given a reference # XXXX re : a XXXX bill. My insurer has confirmed this bill to be paid to the original debtor XXXX XXXX XXXX. 

However, Credence continues to call me XXXX regarding this bill which is no longer owed. 

I phoned XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) and they have confirmed that this bill has been paid and that they do not deal with Credence for collection. Additionally, accordingly XXXX XXXX XXXX never sent this bill for collection. 

How do I make these collection phone calls to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 with product or service terms changing
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
Early Warning Systems does not have a FREEZE option available to freeze my information being shared to a financial institution. They are a consumer reporting agency, I think they should be required to have the Freeze option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 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 '' si
te 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: LEXISNEXIS
State: MA

Complaint narrative:
XXXX XXXX # : XXXX I am an ongoing victim of identity theft and the XXXX Equifax cyber security breach. 

I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX. This letter indicated that I requested service at XXXX, was subject to a credit check and was furnished with a result indicating the need for a deposit to further guarantee service. I have no accounts registered in my name with XXXX and I have not requested new service with XXXX at point in recent time. 

This report was generated from : LexisNexis, XXXX XXXX XXXX ATTN LexisNexis XXXX XXXX XXXX, GA, XXXX ( XXXX ) The actual date of the consumer report was XXXX/XXXX/XXXX. 

The score was impacted by " incomplete information on file and identity elements not fully verified at the time the report was requested ''. This was an unauthorized request, and since verification information was missing, this was an incomplete request using stolen information from my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, TransUnion, XXXX have allowed computer hackers to access my credit and personal information and allowed hackers to open many accounts and taken all of my money in my accounts.

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 2017-09-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX, XXXX have allowed computer hackers to access my credit and personal information and allowed hackers to open many accounts and taken all of my money in my accounts.

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 2017-09-12 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 handles my personal information without my consent or control, as do XXXX and XXXX. I am one of the 143 million that has had their personal information stolen through inadequate protection of my personal information at Equifax by hackers. Though it remains to be seen how the information was stolen, it jeopardizes my ability to simply live in the United States as a citizen, to buy property, arrange for credit, save money, work, and all the other things a person would expect to do. As compensation for their failure, they are offering the abjectly inadequate " credit protection services '' for a single year, services from the very organization that failed to provide adequate protection in the first place. 

Now as I and my wife seek to freeze our credit, obtain our annual credit reports, and do the other things now necessary as a consequence of their mistakes instead of living our lives, we find ourselves facing interminably long wait times on the telephone, failed web pages ... 

XXXXtps : //www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp ... leads to a failed submission, https : //www.equifax.com/personal/ ... leads to a " This site cant be reached '' error, and the web page via XXXX used to request a report from Equifax leads to a XXXX This site cant be reached '' error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Will not update my report correctly

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 2017-09-12 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: MA

Complaint narrative:
Equifax experienced a prolonged hack, which led to all of my personally identifiable information being released alongside hundreds of millions of other Americans '. As a young professional, this weighs heavily on the rest of my life, leading me to requiring constant vigilance as a result of being a victim of this crime, without any possible steps being taken to prevent it. 

The information in their database was not secured in any proper way, leaving me, alongside millions of other Americans including my close friends and family, at risk of financial ruin at any time. This information could destroy the credit my family and I have worked to build since our arrival in the United States ; it could lead to tax fraud and leave us without our deserved tax returns ; and it could lead to crippling debt we may never recover from. 

I, along with my fellow citizens, could not have taken any steps to prevent this from occurring ; the information compiled by Equifax was gathered without my consent ever being prompted. While this is the purpose of credit checking companies, the fact that the information they gathered is valuable enough to act as almost absolute proof of my identity is unforgivable, given their lax security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
I was XXXX XXXX for XXXX years and separated. The transition was difficult and finding a new job with new expenses such as XXXX and XXXX expenses made it difficult. I fell behind when I was unable to pay expenses for XXXX and housing difficulties to include leak in house, leak outside house, car care, job transition that was not paying amount needed to live within means. Relied heavily on income tax return to get back on track but entire amount was taken to pay off XXXX XXXX XXXX starr card. XXXX approx. would have been used to catch up on housing mortgage. I never was informed that this amount was taken or to be taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation