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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my XXXX credit report. Per the advice of a XXXX  rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my XXXX credit report. Per the advice of a XXXX rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax improperly handled their data security, allowing over 140 million credit report accounts, including account numbers, addresses and social security numbers, to be accessed by unknown third parties for an undisclosed amount of time. They have failed to notify affected customers in a timely manner and have not provided any clear method of protection of consumers or plan to correct this catastrophic error. Hundreds of millions are now at immediate risk of identity theft and fraud.

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:
Is CFPB or any other government agency planning to file suit against Equifax? If these credit monitoring companies including Equifax took ownership to collect all the critical and sensitive personal data ( PCI/SPI/CPNI/RPI ) they should accountable for the security breach. The following article shows how irresponsible Equifax is which not only needs tougher law and punishment but rather govt should shut down these agencies ASAP [ XXXX XXXX XXXX XXXX ]. These companies are just skimming money from the consumers and do not stand up to protect consumers privacy.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have paid my Bank Of America credit card on time for more than a year. 
My daughter was XXXX  on XX/XX/XXXX and I was in the hospital for a few days with her. 
My credit card payment was due on XX/XX/XXXX. 
Even though I was at the hospital, at XXXX on XX/XX/XXXX, which is the same date as the payment due date, I paid my minimum payment, and yet Bank of America assessed a late fee of {$27.00} and refuses to refund it! 

Does big banking greed really have no limits? 

I 'm planning to go to small claims to resolve this if necessary. 
And of course to the local media company.

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 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: 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. 

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. 

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. 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.

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 protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. 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 shady third-party 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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
equifax - they mishandled my information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution and compensation in the form of a free ssn  change and identity theft services.

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: NC

Complaint narrative:
I tried to set up a credit freeze with Equifax on XXXX/XXXX/XXXX. According to the document on their website, as a resident of North Carolina, if I submit a request for a freeze on their website, there should be no charge ( {$3.00} fee for phone or mail requests ). When I entered in all of the information to put the freeze in place, it would no go through until I entered in credit card information so they could charge me {$5.00}. I refuse to do this as this charge violates state law. 

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: GA

Complaint narrative:
A company which I never chose to do business with, Equifax, allowed malicious actors to gain access to my personal information including my SSN and credit information. By negligently failing to protect their systems in an adequate manner, they have put myself and millions of other Americans at direct risk. 

Beyond that, I was not notified by the company themselves, rather only through social media and direct action on my own part was I able to discover that I was a victim.

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. 

Further, it is time for legal regulation change. The credit reporting organizations collect far too much detailed data which is not necessary for their function. We need to demonstrate we can meet and exceed the XXXX and as it pertains to credit bureaus. With this level breach all social security number should be wiped and move to a different unique identifier if one truly has to have a unique identifier to calculate a score for a segmented range of values, but I digress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MA

Complaint narrative:
A payment I made in XXXX 2016 was never credited to my account. The payment was sent to the wrong servicer in error, and I was assured by both servicers ( XXXX and FedLoan ) that the  payment would be credited. To this day neither servicer claims to have received the payment despite documentation that my bank account was debited.

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 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 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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, 2017.
In view of the XXXX problem, I tried to use all the three ( Experian, XXXX and XXXX ) sites to freeze my credit reports. I could not get any of them to work. 

They do not tell you what went wrong in the process but tell you to mail stuff in or call. 

Of course phone calls were not answered. 

It 's seems clear they are all making it nearly impossible for the normal person to freeze accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: IL

Complaint narrative:
On XX/XX/XXXX, Equifax discovered that hackers had compromised their servers, exposing the personal information of approximately 143 million U.S. consumers. This personal information included names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers were accessed. My personal information was released in this event.
Equifax did not make any attempt to warn U.S. consumers until XX/XX/XXXX, when a public announcement was made. This delay is unacceptable, as it prevented consumers from taking mitigating steps in the aftermath of the attack ( e.g. placing fraud alerts and/or freezing their credit ).

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.

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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian appears to be systematically preventing online freezes after the hacking of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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: AK

Complaint narrative:
Equifax divulged my information without my consent via the recent data breach. This has made my personal identifiable information, including but not limited to my SSN, my date of birth, and my credit card information, essentially public 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: TN

Complaint narrative:
On XXXX XXXX, 2017, Equifax announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Upon visiting equifaxsecurity2017.com and entering my credentials, I received the following message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This indicates that some or all of my personal information held by Equifax has been compromised, which places me at significant risk of identity theft and/or financial fraud. This situation is made worse by the apparent incompetence of Equifax in its digital security practices, which indicates possible gross negligence of their handling of personal and financial information of consumers.

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: CA

Complaint narrative:
Equifax apparently hacked. Stated check your credit report for free. Upon entering all my information, the system said " down for maintenance ''. It is XXXX on a Saturday.

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:
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. The breached information includes SSN, home address, birth date and drivers license number.

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:
XXXX XXXX 2017. 

In view of the XXXX problem, I tried to use all the three ( XXXX XXXX and TransUnion ) sites to freeze my credit reports. I could not get any of them to work. 

They do not tell you what went wrong in the process but tell you to mail stuff in or call. 

Of course phone calls were not answered. 

It 's seems clear they are all making it nearly impossible for the normal person to freeze accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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: CA

Complaint narrative:
XX/XX/2017. 

In view of the Equifax problem, I tried to use all the three (  XXXX, Equifax and XXXX ) sites to freeze my credit reports. I could not get any of them to work. 

They do not tell you what went wrong in the process but tell you to mail stuff in or call. 

Of course phone calls were not answered. 

It 's seems clear they are all making it nearly impossible for the normal person to freeze accounts.

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 Credit Reporting Company just suffered a HUGE security breach where my DOB, SSN and other personal information was stolen. When I went on their site, they told me to wait until XXXX XXXX to apply for credit monitoring. Moreover the breach happened in XXXX. Credit monitoring is useless. This company should be forced to provide XXXX XXXX XXXX or similar to every one of the millions of people affected including me. There are never any consequences for incompetence like this so breaches like this happen over and over again.

Company response to consumer: Closed with explanation