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: TX

Complaint narrative:
On XXXX XXXX, 2017, I learned through social media that Equifax mishandled my information which led to a security breach -- putting myself and 143 million others at risk of identity theft. It has been roughly one month since the breach occurred, and I was not notified by Equifax in any way ( e.g., mail, email, phone ). Learning of this breach has cost me several hours, personal distress, and likely my money as I plan to pay the dues required to freeze my files to protect myself from Equifax 's 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: 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 on XX/XX/XXXX. I received no email, letter, or phone call and instead had to discover it via social media on XX/XX/XXXX.
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.

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 — Billing dispute for services
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I put a security freeze on my Equifax account yesterday, due to the data breach. They charged me {$10.00}, and tried to get me to sign up for their protection program ( where I would lose class action status. ). I told them I only wanted the ability to freeze my credit for free. I spoke to two different managers ( including a XXXX. XXXX  who refused to provide a first name and phone number. ). No one would help - they forced me to pay {$10.00} for something they should be offering for free. Profits before protection, apparently ....

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: TX

Complaint narrative:
Equifax security breach compromised my information. This event became know to me on X/X/17.  Equifax alerted the public. I was able to cross reference and determine that my information was compromised. I will place a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc
State: NY

Complaint narrative:
I paid off the collection in full. The company never deleted the collection record from my account as agreed.

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: EQUIFAX, INC.
State: OR

Complaint narrative:
After Equifax revealed my personal data to identity thieves via their wholly inadequate data security, I tried to place a credit freeze on my equifax account so that those identity thieves will not be able to fraudulently obtain credit in my name. 
Equifax wants to charge me {$10.00} for this, which is ludicrous, considering that this would n't be necessary if they had protected 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: OH

Complaint narrative:
Equifax did not take the necessary steps to safeguard my information, as well as the information of many others. Their recent security breach ( announced XXXX XXXX 2017 even though they were aware in XXXX 2017 ) is unacceptable for an organization that freely collects as much personal data as it does without the consent of the people it is collecting on. My only course of action here is to put a fraud alert on my social security number for the next 90 days and hope that my stolen social security number wo n't be used in the future to steal my identity. I do not wish to utilize the proposed Equifax credit monitoring services because it waives your right to be involved in a class action lawsuits against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
this is the second complaint on the issue first one not resolved an di wont play phone tag any more or have my precious time impacted further or well being Sometime last year pnc deactivated my non profit acount but still charged fees to it. i did not know or receive any notice about fees did not know it was deactivated until XXXX at that time i asked for fees to be waived for 6 months and asked how it was that i was not noticed about all this and how they could take fees while deactivated. Got no notice of stmts and no online access so dont try to send a script that way. In XXXX someone named XXXX XXXX started to call me said she would help me. take fees off. possibly we have never connected and now its XXXX i cant wont spend time chasing her. i am too busy. i demand either the fees be waived or the account closed. the practice of deactivation of an account while still charging service fees I had no way of knowing were being accessed since i did not getstatements and thus could do nothing to avoid it is questionable at best. If pnc refuses to help which i predict then i am done. i will not pay fees esp in light of the above. Some XXXX named XXXX wasted my time in XXXX and said Sorry nothing can be done. I could are less wht he says do the right thing or i am done. you dont handle business this way. I have deposited large grant checks elsehere while this bank has XXXX call me for 3 months me ask her to help and she does nothing NO MORE wasting my time REFUND fees. I aint paying them HOW DARE This be handled with such red tape

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: NY

Complaint narrative:
My personal information, possibly including name, Social Security number, birth date, address, and drivers license number was kept insecurely by the credit reporting company Equifax. This is a company I have no choice but to do business with, as my information is reported to them whether I want it to be or not. As a result of their mishandling of sensitive information, I am now vulnerable to identity theft. 

In addition, after the data breach was detected by the company they delayed in notifying the public, and require affected individuals to check themselves to determine if they were in the data that was hacked.

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: WA

Complaint narrative:
I am a victim of the Equifax hack and I am filing a complaint against Equifax for improperly caring for my protected information and that information being used to potentially harm me or steal from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
Berks Collections have a amount of {$320.00} that supposed I owe and that is a false statement this account was settled for {$210.00} wich was pay off on XXXX XXXX of 2016.They still didnt remove of my report.

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:
Equifax allowed my personal financial information to be stolen because they were negligent in securing this sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Genpact Limited
State: KY

Complaint narrative:
On JXX/XX/XXXX, XXXXXXXX GA sent a letter to me stating that I owed {$25.00} on account number XXXX for a pharmacy charge that was incurred after my coverage had expired. ( Notably, they have already been reported to the GA Bureau of Insurance for their failure to refund my premiums, and they were required to return my funds following that complaint. ) The letter stated I had 30 days to MAIL the balance in full to the payment address listed on their letter, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I followed these instructions exactly. I mailed a check in the exact amount owed to the given address, check number XXXX drawn on XXXX XXXX XXXX XXXX. On XX/XX/XXXX, my check was cashed and deposited into a XXXX XXXX  account identified as being owned by the payee of my check, XXXX XXXX XXXX XXXX of GA.
I have now received another letter, this time from " XXXX XXXX '' with the same account number and mailing address, dated XX/XX/XXXX, stating that my account has been turned over to collections for failure to pay the above owed amount. Notably, this letter is dated before the expiration of the initial 30 day period I was given to pay the charge. Further of note, this letter was sent to me telling me my " debt '' is in " collections '' after the debt has been paid.
XXXX GA is attempting to collect a debt that is not owed, and misrepresented the time period in which I would be permitted to pay the initial charge. I have sent a letter back to them in writing dated today indicating I dispute the validity of this debt. I request that they and XXXX XXXX be sanctioned to the full extent of the law, as this is the second state or federal agency I have had to involve to address their illegal and deceptive practices. Thank you.

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: IN

Complaint narrative:
My personal information was stolen through Equifax to include but not limited to my SSN, DOB, address, and potentially my DL #. Also possibly bank information. All of my data is now in the public. This took place XX/XX/XXXX and I am just finding out as of XX/XX/XXXX. I have applied for credit monitoring but even that is n't even available for me until later next week ( see attachment ).

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: OH

Complaint narrative:
Today, X/X/2017, I found out that there was a security breach at Equifax. Equifax setup an application to check if anyone was impacted by submitting their last name and last 6 digits of SSN. I found that I may have been impacted while my wife was not.

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:
My information, and my wife 's information, was reported by Equifax as part of a massive data breach in XXXX-XXXX of 2017.

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 has confirmed that my social security number and potentially other personally identifiable information were compromised by their XXXX 2017 security breach. I feel that they were negligent in the handling of my PII and possibly PCI data and should be held responsible.

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: PA

Complaint narrative:
On XX/XX/17 I was notified that there was a security breach of Equifax. Upon the suggestion of people more educated than I, I clicked on this link : https : //www.equifaxsecurity2017.com/XXXX to determine the potential impact this hacking might have on me. After submitting my information, the result was : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am now in the process of monitoring my credit for fraud that Equifax has exposed me to.

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:
My SSN was compromised in this recent data breach due to lackadaisical security policies carried out by Equifax.

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 — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Regarding the recent data breach with Equifax, I attempted to enrolled and was notified that I have to return. Putting the responsibility and cost/time on the consumer is improper. When my data as a US government employee was breached, the Federal Government notified me in writing and provided free credit monitoring by ENROLLING ON MY BEHALF. 

Equifax is failing to mitigate damages ( a responsibility generally required in business law ) of their data breach. I have no contract with Equifax, as such they have the SOLE responsibility for taking action to protect me from financial harm, costs and undue stress as a result of their data breach. Their current consumer process seems to be aimed at the lowest cost solution ... providing help for only the consumers that self-identify AND are willing to hassle with the bureaucracy. This morning, I have pre-enrolled and have been waiting on the phone for 20+ minutes for an agent to pick up the phone. 

Equifax should auto-enroll me and ALL impacted consumers and buy them credit monitoring AND pay for resolution of any fraud case tied to the 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: OH

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/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 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 2017-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Inquires on my credit not authorized by me. 

XXXX XXXX credit card in good standing missing from report. 

Credit Age year has drop XXXX credit card is showing the wrong amount owe change to higher amount, just recently changed within the last 3 months Credit score dropped 60 points or more within the last 3 months. Big difference in my score compared to XXXX and XXXX Old debits that have been delete is back on report The same items on report is showing up multiple times.

Company response to consumer: Closed with non-monetary relief
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:
It 's been recently reported that equifax was hacked and personal information leaked. Through their provided site it shows that I am impacted by 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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/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 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 2017-09-09 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: LA

Complaint narrative:
Equifax was hit by a cyber attack that may have compromised up to 143 million Americans. I checked the Equifax website tool and it states I may have been affected. To determine the extent of how much I may have been affected, Equifax requires that I waive my right to sue. I find this unacceptable. I do not want to waive any of my rights for remuneration for potential damages.

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:
Equifax failed to protect my personal information, rendering my identity vulnerable to compromise by unknown people

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: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have disputed XXXX XXXX XXXX several times on my credit reports. It continues to be removed and shows back up. I have written letters and done online disputes and it still continues to be deleted then reappears. The first deletion was in XXXX 2017 and the second deletion was in XXXX 2017. I have not received any signed verifiable documentation as I have requested several times.

Company response to consumer: Closed with non-monetary relief
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: PA

Complaint narrative:
On XXXX XXXX, 2017, Equifax notified the public that it had been hacked and data from over 143 MILLION accounts had been stolen. This is data that should be protected with the utmost care, and the fact that all of the details stolen can be used to fraudulently impersonate others, this is a severe breach of trust with the public. I fear for my credit score and for all others affected by this. This is unacceptable and there need to be severe consequences!

Company response to consumer: Closed with explanation