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

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 2017-09-09 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:
I was part of the accounts impacted by the Equifax Security Breach that was announced the week of X/X/17. As a result of this, I had to put a fraud alert on my account, check my credit report ( which i only get 1 free copy of this year ) and had to take other active measures ( possibly even pay for credit monitoring ) as a result of the security breach.

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

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 2017-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Today X/X/2017 i cashed out from the XXXX XXXX app XXXX dollars. It should have been sent to my pnc bank account. It was never received and they XXXX XXXX app is charging my paycheck. I emailed XXXX XXXX customer service, there response was to contact you about my bank

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

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 2017-09-09 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: MA

Complaint narrative:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I and others are compensated for their negligence and that something like this does not occur again.

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

Complaint narrative:
Equifax failed to protect personal information including, but not limited to : address, SSN, date of birth, drivers license information, and credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
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 to 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 2017-09-09 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 neglected to inform consumers about the data breach. As a result, my information is at risk of identity fraud. Not only was Equifax aware of the breach before releasing information to the news media, it never reached out directly to inform consumers of the hack. Instead, I had to go to news sources to find out how to set up a fraud alert.
Equifax should have automatically placed fraud alerts on all of the affected accounts and alerted the account holders immediately.
Also, Equifax has not indicated how they are addressing the breach to prevent further intrusions. They have had similar breaches every 2 years since 2011. I find it oddly coincidental that they are so regular, and that the CFO and other executives cashed out stock right before the hack was made public.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 did not properly secure my credit report information. My information was on the list of hacked information and I am very angry they did not take care to safeguard my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
Due to unwillingness to secure their databases properly, Equifax ( and more importantly the individuals whose personal data they keep ) fell victim to a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Information on some XXXX and up to 44 million XXXX residents was also compromised. The breach was originally discovered on XX/XX/XXXX although it was not publicly reported until XXXX XXXX, 2017. Equifax executives sold {$1.00} million of their personal holdings of company shares days after Equifax discovered the breach and more than a month before the breach was made public. I too fell victim to the attack and have had my personal data compromised. It is unacceptable and outrageous that a company in charge of protecting such vital information for millions of people could allow something like this to happen.

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

Complaint narrative:
I have disputed Student loan late payments with Equifax MULTIPLE times over the last few months. Each time they come back with the same generic, 'verified ' response and change around different payment amounts and dates. However, XXXX XXXX, XXXX, they successfully removed all late payments on all four XXXX accounts. I was pleased as I thought they had finally gotten it right for once. Unfortunately, I was wrong, as they added all previously deleted late payments back on only ONE of the accounts.Which as you know is impossible for only one of the accounts to have late payments as they are all connected. I am well aware of the FCRA law ( section 611 a,5, ii ) that states that anytime a consumer reporting agency reinserts a previously deleted item from a consumers report, they must notify that consumer within 5 days of reinsertion. I patiently waited the five days for them to provide me the information they were legally obligated to, which never came. I then mailed them a letter stating all the information regarding the reinsertion, and stated the law supporting my claims and that I requested immediate removal of this account information. To date ( XXXX XXXX ) I have not been contacted by anyone or been able to get this matter resolved. I then awoke this morning to see that they have yet again added all previously deleted late payments back to the remaining three accounts. This is a clear violation of FCRA law forbiding the bureaus to reinsert this information without proper written notification to me. Not only have they reinserted the information, but the info they added back does not even match the other accounts. EVERYTHING should be the exact same on these accounts. That in itself is a violation because it proves that they are reporting unvalidated incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc.
This data breach has resulted in [ 2 ] fraud transactions, one from XXXX XXXX ; both have been handled by my credit union 's fraud department resulting in emotional duress and time loss. 
As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. 
Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a unsecured website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. 
This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
TODAY I tried to FREEZE MY CREDIT REPORT WITH EQUIFAX AND FOUND OUT THEY WANT TO CHARGE ME {$10.00} TO FREEZE MY CREDIT REPORT. They collect all my information and dont pay me, but want me to pay them for a credit report freeze.that does not seem right or fair.
I will call them to try to get them to waive the fee, but i dont feel very confident they will do that.
I will be trying to freeze my credit reports with the other two companies, and i fear i will be very upset to find out they, too, charge.
This does not seem right to me, especially since the company getting hacked is the reason i am trying to freeze my CR.
Can you tell me if the cfpb can do anything to help us consumers ... .and thanks for all you currently do.
Thanks XXXX XXXX

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

Complaint narrative:
I am attempting to place a security freeze with TransUnion and they refuse to process it, either online or over the phone. XXXX and XXXX did it with no problem.

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 2017-09-09 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: ID

Complaint narrative:
Equifax divulged my protected personal information due to a security breach that could have been prevented with proper security tools. I have submitted fraud alerts for both myself and my wife. I will continue to monitor my credit report to ensure that our information is n't used to steal our identities.

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

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. My personal information was gathered by Equifax when my credit was pulled in order to open a bank account earlier in the year. With the breach of information that has occurred, I and numerous others received no direct information about the breach from Equifax, but instead I had to hear about it through the morning news. To think that Equifax has known about the breach for over a month and people are just now discovering the impact of this is appalling to me.
Equifax is offering a verification page to see if your information has been breached or not. However, this page is a third party site with less than optimal security that is asking you to input 2/3s of your social security number as well as your last name. It appears questionable as well about whether or not the use of this service prevents you from seeking part in class action lawsuits further down the line. I inputted my information into the system regardless because I was genuinely worried my information had been affected. The site came back with the statement that they did not believe my information had been impacted at this time. However, upon further reading from other 's testimonies, it appears that there is evidence that this statement on the site could possibly be randomly generated, as some individuals have stated that they received different statements different times they 've entered their information and will also receive information stating that their identity has been stolen even when they input bogus information. So I ca n't even state with any certainty whether or not my information was affected. All the while the site keeps pushing for use of their free credit monitoring system, which will expire after one year, after which you have to pay for the uses, in effect paying protection money to the company that violated that information in the first place.
In all honesty, while the third party site may have stated that my information was not affected, I have no way of knowing besides this statement, made by the company that allowed this breach to occur on their watch. I truthfully question how comfortable I can be with their assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior.

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

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am also extremely disappointed with how Equifax 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 and free for every account.. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it XXXX including me XXXX following this data breach. Requiring a police report is absurd when they clearly know you were affected. 

Secondly, free " temporary unfreezing '' or a reimbursement program should be set up, seeing as this will now be a burden on me and everyone affected for the rest of my life. 

Third, something should be done to " incentivize '' companies like these to to act appropriately in situations like this.

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

Complaint narrative:
I have been member for XXXX and Equifax and now weird inquiries in my account and not feeling safe with my information with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: VA

Complaint narrative:
The credit Card company ( PNC BANK ) has charged me a late fee because I paid my bill at XXXX XXXX  instead of XXXX XXXX on Saturday. They charge me XXXX dollars. This is very arbitrary because Saturdays are considered weekend and payments at XXXX XXXX eastern time versus payments at XXXX XXXX makes would not create any undue burden on the credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
The is in relation to the recent Equifax security breach in XXXX  2017.
My complaint includes the following items : 1. Equifax improperly used my personal credit information that allowed data leak 2. When attempting to check for the impact using https : //www.equifaxsecurity2017.com website they appear to be giving random answers, for example, I submitted the same information twice and once got " not affected '' answer and the other one resulted in " might have been affected '' answer. Both inquiries have been placed on XXXX XXXX, 2017.
3. Equifax failed to notify me about the breach ( even though they have my up to date contact information ) and I had to find out from news sources.

Company response to consumer: Closed with explanation