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: WA

Complaint narrative:
On XXXX XXXX, 2017, I accessed the website to learn that I may have been impacted by the Equifax breach. As a new member ( still a college student ) navigating the complex credit system, I had no idea how I could receive help and read online that there may be a lot of deception behind Equifax 's system. Upon attempting to access my credit report online via Equifax, I got an error and could n't navigate the system to get it on paper ; plus, I would like to have the information now to know that I have n't been compromised.

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:
The Equifax Data breach has made my personal information susceptible to identify theft and credit fraud. Equifax did not the take the necessary steps to protect 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: MA

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: TX

Complaint narrative:
My personal financial information was exposed and otherwise made available to thieves by Equifax who did not maintain their on line databases responsibly and sufficiently to avoid their being 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: MN

Complaint narrative:
My private information was accessed in the Equifax hack in XXXX of XXXX. Not only was I not notified of this event in a timely fashion, I have not been notified directly by the company at all. Equifax has also attempted to deceive me and countless other consumers into signing away our right to sue for their negligence by offering a free one year trial of credit monitoring in exchange. This is deceptive and predatory behavior, in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This is regarding my XXXX XXXX XXXX card, which is managed by XXXX XXXX. On XX/XX/XXXX, I tried to make a purchase at XXXX using my card and the clerk told me that it was giving her a message " refer to card issuer '' The clerk told me that they normally get that if my card is expired. So, I checked to see at home if I had received a new card in the mail and did n't realize it -- I did n't receive a new card and furthermore these cards do n't have expiration dates. I made a call to the customer service on XX/XX/XXXX and spoke with a woman ( ca n't remember her name ). I advised her what the store clerk told me. She said that my account was suspended due to it being inactive for 11 months ( meaning that I did n't make any purchases ) I advised her that the last purchase I made was in XX/XX/XXXX, which she verified. So, I asked if the suspension could be lifted, because they obviously was  an error. She advised that the only way to do this is if I authorized them to pull my credit report? I did n't understand why this was necessary, but I reluctantly agreed because I do like using the card when I go to XXXX. She said I would receive a letter by mail within 7-10 business days. I never received a formal letter by mail -- what I did receive was a letter by email within 2 minutes after I ended the call with the customer care rep to my " secure message center '' inbox ( this I access from viewing my XXXX credit card account online ) The letter indicated that my request for reactivation is denied. After numerous calls to customer service with no resolutions ( could n't even get through to anyone ), I reached out to XXXX via XXXX. Two different individuals responded back to me advising that they would check into this issue and give me a call. It 's been at least a month or so now and nothing has been done.

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: NJ

Complaint narrative:
On Friday, XXXX XXXX, XXXX, Equifax informed me through their status portals that my credit has not been compromised, when in fact it was.

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:
Equifax 's systems were recently struck by a cyberattack that may have affected about 143 million U.SXXXX customers of the credit reporting agency. As of XXXX XXXX, 2017 at XXXX, I am listed as a potential victim of Equifax 's cybersecurity incident according to Equifax 's equifaxsecurity2017.com website, and would like a resolution. Equifax has mishandled my information, which puts me and millions of other people at risk.

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 canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Less than XXXX hours ago on XXXX XXXX, XXXX I responded to the news of Equifax security breach. I only learned about this on this day and responded by checking my information on their site. They indicated I was most likely affected. Even though I have a monitoring service through XXXX, I checked the box on Equifax. I saw no language or conditions about waiving my rights to sue or for extended paid services from Equifax. i tried calling them all day w/o success and they seemingly disable the contact us feature on the site. I feel this is an unlawful and unethical approach to this matter and I do not wish to have this service and do not give up my constitutional rights to anything. I also feel I am protected under California law in this regard. I simply wish to disengage in what they are trying to pull and agree to nothing from them. This is highly underhanded and unethical on their part. Equifax has made it impossible for consumers to reach them and all you get is a runaround.

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:
Due to the recent news that Equifax has had their data hacked, it is apparent that my information is part of the data breach. Equifax had a responsibility to protect my credit information and has failed to do so. As a result, I am now at a higher risk of identity theft and credit fraud. 

I have initiated a 90 day fraud alert and will be enrolling in ID theft protection.

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: IL

Complaint narrative:
I believe my personal identity information has been compromised by the hacking of Equifax 's databases.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
sent for and received a copy of my credit report, and it shows me to have lived in California. I have never lived in California in my lifetime.

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: OR

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 which happened XXXX through XXXX XXXX. 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:
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. 

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 am 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: AZ

Complaint narrative:
Equifax data breach. I allege Equifax failed to keep their systems up to date which resulted in a massive data breach that affected approximately XXXX people including me! This put nearly XXXX of the XXXX population 's credit data at risk. The management of Equifax must be held responsible for this data breach!

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: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
In late XX/XX/XXXX I opened a US bank checking account to take advantage of a XXXX  fee checking account offer. During a conversation with their customer service team, I was asked if I would like to apply for the US Bank altitude reserve card which was " exclusive to US bank customers ''. I applied for the altitude reserve with the following terms ( PDF of terms is also attached ) {$400.00} annual fee {$320.00} statement credit for eligible travel related purchases 50,000 bonus points upon charging {$4500.00} in the first 90 days Bonus points are worth {$750.00} of travel if booked through the US bank travel portal. 

On XX/XX/XXXX I was approved for the US Bank altitude reserve card. Several weeks later, I met the spending requirement of {$4500.00} and paid off the charge plus the {$400.00} annual fee. I have attached the {$4900.00} payment I made to US bank on XX/XX/XXXX. 

After making this payment and paying the annual fee, I should have been entitled to the {$320.00} statement credit and 50,000 points as per the agreement. 

However, almost immediately upon completing the requirements for the bonus, US Bank closed my altitude reserve account with zero notice. I found out when I tried to log in to online banking and did not see my credit card account online. Customer service gave me the run around, telling me a fraud alert had been placed on my account, then asking me to call a different department, then asking to verify other information etc. 

After about a week I was finally told my account was shut down due to " risk prevention '' with no further explanation given. There was no opportunity to appeal this unilateral decision. This is after my altitude application had been reviewed and approved for over a month. Furthermore my annual fee has not been refunded and I have lost {$320.00} in statement credits and {$750.00} in travel benefits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09 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: OK

Complaint narrative:
Equifax needs to be held responsible for not keeping my data safe and now I am facing possible identity theft and ruined credit. The will only offer monitoring services that includes a clause that no legal action can be taken against them. They also omitted to notify me about what happened as soon as they knew it ( they omitted to tell the public for a month what happened ).

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: IL

Complaint narrative:
It was reported that Equifax breached confidential information of its customers because of a hack to their database. 

On XXXX/XXXX/2017, I checked with the website of Equifax, and was informed that my information may have been impacted by this 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: WA

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX of XXXX through XXXX XXXX Kept breach a secret for months that allowed the hackers a head start on using the information gained. 

equifax system breach. Allowed access to my personal information that could/will cause problem for the rest of my life.

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: GA

Complaint narrative:
Equifax told me that they " may '' have shared my social security number, information and financial and credit information with an unauthorized private individual due to their lack of proper security measures. My credit is now compromised as well as my private personal information. I have also started to have hundreds of dollars of unauthorized uses hitting my credit cards requiring me to cancel credit cards and go through repeated attempts at trying to challenge a large number of charges, having my financial stability put in jeopardy and my credit negatively impacted.

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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax took my information, mishandled it and then gave it away to malicious parties. Their website telling me to mark my own calendar is shameful. I did n't ask them to collect this, I did n't lose my information. They should be held fully accountable for everything, and THEY should be dealing with this. Not me. 

Shame on those sleazy executives for selling stock. What kind of disgusting corporate creed are we allowing to happen? Where is the justice and fairness for the average person?

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:
Today is XXXX/XXXX/2017, Equifax has just had a massive data breach affecting most people with credit, even though they did not choose to have their information stored by Equifax. 

Anecdotal reports indicate that whether the website will tell you if you were affected or not is randomly generated and they are using their own security negligence to push more paid services on the consumer. 

I find it unsettling that most companies offer 2 factor authentication for free to protect your information but credit reporting agencies do not and will even charge money for monitoring. 

This data breach can affect anyone involved many years later and the company should offer free monitoring for at least 7 years to anyone affected. They should not be trying to profit off of a breach that their own negligence has caused.

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:
In early XX/XX/XXXX [ 1 ], it has been reported that over 143 million customers ' information were improperly handled released by Equifax to hackers due to improper security steps taken to protect the information. 

Through checking the website provided by Equifax XXXX https : //www.equifaxsecurity2017.com/XXXX XXXX see if I was one of the affected, I was notified that I may be affected by this incident.
The Equifax website ( linked above ) indicated they are able to provide 1 year of identity theft protection, however, I feel that this large amount of information leaked about me will have lasting effects throughout the rest of my life. Also, according to this website, I can not even activate protection until later in September.
There is absolutely zero indication the recipients of this information will simply give up using this information after 1 year.
References : [ 1 ] http : //money.cnn.com/2017/09/08/technology/equifax-hack-qa/index.html? iid=EL

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:
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 with 4 bureaus and XXXX XXXX ) 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 am 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please see Unauthorized inquiries from XXXX on XX/XX/XXXX andXX/XX/XXXX. Please remove from my credit file as these inquiries are unauthorized and without my permission.

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