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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please see Unauthorized inquiries from XXXX on XX/XX/XXXX and XX/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
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:
As is obviously well-reported, Equifax 's database on information was hacked and my personal information was included in it ( per their web site ). What is more, I went to the free annual credit reporting web site and for literally all of the 3 service providers where I attempted to get my credit report ( to ensure nothing fraudulent ) all of them failed, stating that there was a technical problem.

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: Fraud or scam — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been talking to Equifax about mis information on my account .They argeed to delete my inquiry for I myself did not apply for them.I called 3 times spoke to 3 difference rep and they all told me they will be deleted came me a confirmation and everything on XXXX XXXX XXXX they removed several accounts from credit including un inquiry .Today XXXX/XXXX/XXXX they are back with all the accounts the removed before .I am totally confused by their action .I was not inform by mail or email .I will like use the reversion complaint for this .I should have bern informed that they were adding the accounts as well as adding the inquiry back.I have proof and would like all accounts the removed to be off my account.

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 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: 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 and with what they have been offering to potential victims to protect them. 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 indefinitely ( not just for 90-days following a consumer-requested alert status ) 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. The credit monitoring firms should be required to provide SECURE ways for consumers to freeze and unfreeze their credit. 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: TX

Complaint narrative:
My information/data was stolen from Equifax during their large security breach in 2017. I am filing this complaint to report the theft. I believe Equifax did not take the proper security measures to safeguard my data.

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 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. It 's been shown that their site to determine whether or not an individual has been impacted is randomly generated. So currently, since I am not able to properly enroll with the site for several more days, there is no actual way for me to know if my information was stolen.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
failure to abide by fcra. 
continued failure to comply w previous complaints. 
continued " updated '' files which canot be proven accurate and nothing was sent my way from either the bureau or these companies within 30 day limitation. 

refuses to remove all reported adverse accounts. 
refuses to remove accts closed under fraud statute which should be deleted. 
accepts fraud from companies violationg cardholder agreements etc.

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: TX

Complaint narrative:
Equifax did not secure their servers well enough to stop me from being a possible victim of identity theft. I will have to spend the rest of my life meticulously checking my credit reports every week because my SSN and personal information I can not change are on the internet due to their negligence.

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 leaked my personal information to unknown parties after being compromised in a cyber security hack

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 not only suffered a security breach for several months, they neglected to notify affected parties in a timely manner. They also are only offering a single year of identity protection, and persist in charging for credit freezes to mitigate damage going forward.

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:
Equifax lost or had stolen my personal financial information. I am still not sure to what degree but at least my social security number. Equifax should be shut down. They get access to all our financial data, that can make or break someone 's life, with the only stipulation being that they keep it secure. They are allowed to profit off of this information and make us pay if we want to access it more than a few times a year, but then they ca n't even keep it secure. This is ridiculous.

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 was storing my sensitive credit information irresponsibly without sufficient security on its databases. Hackers managed to get into the system and gain access to potentially devastating information on my credit. Equifax took multiple months to make the public aware of this hack, even though they knew about it beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I found a Venmo payment from bank account. I never used the app or approved the transfer but someone used my bank account number and transfered the money out. 
I heard from bank it takes the check account and routing number which are very visible on the checks. I had to close the account.

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: WA

Complaint narrative:
Equifax reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four  credit reporting agencies. This has cost me {$31.00} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control.
This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.

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:
According to the information provided to and supplied by https : //www.equifaxsecurity2017.com/XXXX, my personal information was leaked as part of Equifax 's major security breach that Equifax discovered on XXXX XXXX, XXXX and made public on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX I saw a pending XXXX XXXX transaction for {$1000.00}. I immediately called Chase and advised them of the fraudulent transaction. Chase deposited the provisional credit on XXXX/XXXX/XXXX and sent me a final resolution on XXXX/XXXX/XXXX. They advised that my fraud claim was denied because they were unable to validate their chargeback. The letter stated the provisional credit will be reversed because " the compelling evidence did not allow them to validate the claim ''. Chase stated because they were not able to chargeback the transaction that Reg E allows them to reverse the credit. In XXXX/XXXX/XXXX the provisional credit was removed from my account. Chase confirmed that the transaction was done online and unless I can prove I did n't do it they do not have to give me back the fraudulently deducted funds. They further advised the funds were sent to XXXX. I do n't even have a passport, please help me. 

The kickers is that I have not authorized chase to overdraft my account, this transaction overdrew my account. I later was informed that someone at Chase overwrote the overdraft decision to allow this transaction to proceed.
Chase Claim # XXXX

Company response to consumer: Closed with 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: IL

Complaint narrative:
Equifax 's website has indicated that I may be affected by the recent breach. However, there are now reports which claim that the website is not actually working as intended and say that you are affected even with nonsensical data.
A few problems with this : 1 ) Saying that you may have been affected when you did n't gives incentive to purchase unnecessary services such as a credit freeze ( {$10.00} per reporting service in my state ) or credit monitoring. I 'm currently unemployed, and really do not want to purchase something which I do n't need but at the same time do not want to risk my credit. Frankly its also ridiculous that I have to purchase a credit freeze from the same company that may have leaked information in the first place.
2 ) The one year of coverage, while mandated by law, is insufficient. Private information which could lead to identity theft may now be out in the public space -- it does n't go away after a year. This could come and haunt me far into the future, yet if I want credit monitoring I would need to purchase a service from the same company which may or may not have lost my information in the first place.
3 ) As a consumer I have no real recourse or way to avoid using Equifax. I rarely directly interact with Equifax. Instead potential lenders will check with credit reporting services before giving me a loan. While in theory I could attempt to avoid lenders which use Equifax in practice it is extremely difficult : Equifax is a major institution in the financial space and will likely continue to be so in the future.
4 ) In order to use the free credit monitoring offered by Equifax I need to sign a binding arbitration agreement with an opt out clause. This clause requires me to mail a letter to the company in order to ensure my ability to sue if there are any issues with the credit monitoring. My understanding is that this arbitration clause only applies to the credit monitoring and not the actual leak, but I do not want to have to sign away any legal rights I may have, especially as part of an agreement for a service from a company which has already lost my trust.
Personally, this breach comes at a terrible time for me. Within the next couple of months I intend to take student loans to help pay for my XXXX  school education. Thanks to the breach I am not extremely paranoid about my credit. Any fraud which could harm my credit score could lead a higher loan rate. If this occurs, my options are to either suck it up and pay thousands of dollars more in interest on my loan, or I drop out. Neither of these options are acceptable.
Thank you for reading, and I hope to reach an acceptable resolution.

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:
XXXX mishandled this breech and its aftermath. This is completely irresponsible use of very sensitive information. They need a solution for us NOW. Their officers selling stock days after this is very suspect as well. Your job is to protect we the people! Do it!

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 was the subject of a cyberattack and failed to protect the sensitive, personal information I trusted them with. 

The breach lasted from mid-XX/XX/XXXX The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 '' site www.equifaxsecurity2017.com. To date I have receive no notification from Equifax that my personal information was mishandled. According to new reports, Equifax discovered this breach 6 weeks ago and made no effort to inform their customers or the public of this hack. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. As a result, I will have to bear the burden of this risk for many years to come. 

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. So far I have had to pay {$10.00} each to XXXX and Equifax to apply a credit freeze to my records - an immediate cost to this consumer as a direct result of how poorly Equifax protected my personal information! It 's pretty clear that Equifax has learned that they can make money no matter what because no law or agency is looking out for me.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In the wake of Equifax 's gigantic data security breach, I tried to order my free annual report from Equifax through XXXX. After I completed the order process, Equifax displayed a page stating that my report could not be delivered online. But XXXX shows that I received my Equifax report, even though I did not. Equifax 's performance adds insult to injury, because now I have no way to examine my report until next year, unless I pay this seriously compromised 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: MO

Complaint narrative:
Equifax security breach, whole family affected including our children. Replacement cards, freezing accounts, constant credit monitoring to protect our credit that costs us with no reimbursement from equifax and will affect us for a long time. Equifax did n't notify us right away and waited until the media found out. This has caused anxiety and equifax has not provided any support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: UT

Complaint narrative:
I received court documents this morning as a result of a credit card debt with XXXX XXXX XXXX. The amount that is listed on the court documents is about {$400.00} higher than my last statement with XXXX XXXX, which puts the amount over the {$3000.00} mark. I assume this was done to cross the threshold of justifying legal action. I informed XXXX XXXX several months ago that I am getting paperwork completed with a debt consolidation company. In that conversation I asked for the contact information of where to send the paperwork to but I was told someone would contact me, in which they never did. 

This morning the papers were delivered by a very rude gentleman who proceeded to yell at my wife, as I was not home and then threw the papers on my front porch. I called the company who employees this man and was told by the owner of XXXX XXXX XXXX, XXXX, that they did not violate any collection laws and he encouraged me to submit a complaint with the CFPB and FTC because he knows that have n't done anything wrong. I cited that his employee had used intimidation tactics to communicate the debt with my wife and trespassed on my property, he then responded with, " do you have a no trespassing sign up ''. 

My debt should be no higher than {$2900.00} with XXXX XXXX XXXX and I am willing to work with them to pay off the debt.

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