davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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. (MI)

Equifax announced that they were hacked on XXXX/XXXX/XXXX and that the personal information of costumers may be compromised. I checked my status on the equifax security website that Equifax provided in order to determine whether I was a victim or not. The website noted that I may be a victim. This places great stress on me and the possibility of my identity being stolen
Consumer complaint received 2017-09-08
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. (CA)

Equifax Security Breach of 2017 ; confirmed to be affected via www.equifaxsecurity2017.com I want to file a complaint against Equifax for their lack of security and delayed reporting of security breach and loss of my personal information.
Consumer complaint received 2017-09-08
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. (CA)

Equifax data was improperly stored in an unsafe manner that made it possible for 143 million people to have been impacted by a data breach. I was informed, by Equifax, that my data was impacted in this breach.
Consumer complaint received 2017-09-08
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. (NY)

I went to the Equifax website and I was told that I may be a victim of the Equifax hack. They wanted me to sign up for their fraud alert system, but this would place me in binding arbitration with no legal recourse if I am effected by identity theft. This is not ideal for consumers.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I am filing a complaint against Equifax for their inability to protect my personal information. They have been hacked and it is likely that my information has been leaked. On XXXX XXXX, 2017 at XXXX EST I called and had a 90 day fraud alert set for my account. I also requested a credit report from Equifax. Equifax successfully put the fraud alert on my account and the report is clean, but I will continue to follow up with the other companies in a month 's time. If they are going to keep my records on file, Equifax needs to be able to safely protect them against hackers and other third parties.
Consumer complaint received 2017-09-08
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. (TX)

Equifax Inc. mishandled my private information ( address, name, SSN ). This private information was made available ( either by grossly negligent incompetence or possibly malice ) by Equifax to parties who wish to use my private information and therefor my identity, fraudulently. Equifax failed to conceal this information from these fraudulent parties, making me a potential victim of identity theft. 
This fact of this mishandling was made public around X/X/2017 and I had to read about it in the news before I was informed personally by Equifax by any type of notification such as letter or e-mail. 

I used Equifax 's services in years past to retrieve free credit reports to ensure my credit was free of fraud. This free service is guaranteed by the US government. Apparently this service is also tied to an arbitration clause. Having an arbitration clause tied to a free service guaranteed by the US Government, and which is only available by 3 different companies is suspect.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

There was a major security breach at XXXX. I found out about this on XXXX today ( XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX ( thank you XXXX ). I checked XXXX and it told me my information was likely compromised, but that I should contact them on XXXX XXXX, XXXX to take further action. At that point I decided to freeze my credit through XXXX, Experian, and XXXX. Not only is this inconvenient for me, but I had to pay a total of {$20.00} to do this. So, in essence, I am having to fund the company that lost my information in order for them to agree not to further release my information. That is unacceptable. 

I also find the entire credit reporting racket to be unacceptable. We can not track our own credit scores without paying for a service. We can only get credit reports for free once a year. There are no posted guidelines on how to improve your score because each place has their own proprietary way of handling things. 

Identity theft is just going to get worse if we insist on having everything tied to a social security number. Giving these credit bureaus full control over all the buying power of Americans, without them having to say how to improve your standing is also terrible. This should be a wakeup call that this needs to change. It is only going to get worse if it does n't.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There was a major security breach at XXXX. I found out about this on XXXX today ( XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX ( thank you XXXX ). I checked XXXX and it told me my information was likely compromised, but that I should contact them on XXXX XXXX, XXXX to take further action. At that point I decided to freeze my credit through XXXX, XXXX, and TransUnion. Not only is this inconvenient for me, but I had to pay a total of {$20.00} to do this. So, in essence, I am having to fund the company that lost my information in order for them to agree not to further release my information. That is unacceptable. 

I also find the entire credit reporting racket to be unacceptable. We can not track our own credit scores without paying for a service. We can only get credit reports for free once a year. There are no posted guidelines on how to improve your score because each place has their own proprietary way of handling things. 

Identity theft is just going to get worse if we insist on having everything tied to a social security number. Giving these credit bureaus full control over all the buying power of Americans, without them having to say how to improve your standing is also terrible. This should be a wakeup call that this needs to change. It is only going to get worse if it does n't.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

XXXX/XXXX/17 I spoke to XXXX at IQ Data yesterday concerning an item on my credit report and he told me it should not be showing on my reports and he would have it removed ; although it would take 30 to 60 days to have it take off. 

A copy of the letter from IQ Data is attached.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I am a victim of human debt XXXX, which falls under XXXX  according to XXXX-Debt Final rules1002, 142 ( b ) ( 4 ) -5 -- 1002142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within >>>>>>4 BUSINESS DAYS<<<<<<<<<pursuant to 605C of the Fair Reporting Credit Act. I am a victim of XXXX XXXX of debt bondange and would like for all listed accounts to be blocked and removed from Experian and XXXX. 
XXXXXXXX XXXX XXXXXXXX {$1500.00} -XXXX XXXX XXXX XXXXXXXX {$860.00} -XXXX XXXXXXXX {$1400.00} According to the FCRA, specifically : 1. **Section 605B** : Requires the deletion of information resulting from identity theft.

2. **Section 611** : Provides the right to dispute information in my credit file.

3. **Section 623** : Requires that furnishers of information to credit reporting agencies ensure the accuracy and integrity of the information provided.

4. 15 USC 1681 Section 602 states I have a right to privacy.

5. **15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

6. 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to Despite my previous attempts to resolve this issue with both the creditor and your agency, the inaccuracies remain on my report. In addition, please note that if this matter is not resolved promptly, I will be compelled to escalate my complaint to the Attorney General 's office. This step is necessary due to the multiple failed attempts to address this matter through the proper channels. I will be waiting for 30 days before I escalate this matter any further ( FRCA section 611 ( A ) ( 1 ) .According to FRCA Section 604 ( A ) ( 3 ), please provide proof of signature giving the the approval to pull my credit report, run my credit report, or do any kind of business.

If you can not verify the debt, please remove this off my account for the THIRD TIME!!!

According to FRCA section 605 ( c ) you are in error by even updating this account! I am disputing all inaccuracies including my address.
Consumer complaint received 2017-09-08
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. (MA)

Equifax allowed it 's database to be breached and my personal information which may have included my name, Social Security number, birth date, addresses and drivers license numbers and/or Credit card numbers. The unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017. As of now no accounts have been fraudulently opened in my name as far as I can tell.
Consumer complaint received 2017-09-08
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. (PA)

Equifax, a company which I 've never willingly shared information, has compromised my SSN and other personal info, and hid this for at least a month. This is unacceptable : I now have to spend the rest of my life worried about my life being ruined because of these bags of filth.
Consumer complaint received 2017-09-08
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. (IA)

Equifax identified a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files, the unauthorized access occurred from mid-XXXX XXXX XXXX 2017..  The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. Criminals also accessed 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.
Consumer complaint received 2017-09-08
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. (TX)

According to Equifax, my data was part of the recent security leaks. Their website provides no information, and to sign up for protection you must waive rights to file lawsuits.
Consumer complaint received 2017-09-08
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. (IN)

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.
Consumer complaint received 2017-09-08
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. (OR)

Equifax mishandled my information, and the information of millions of other Americans, 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. 
Three Equifax executives sold shares worth nearly {$2.00} million in the company days after a data breach was discovered -- THIS IS IMPROPER. They sold shares before informing anyone of what had happened. 
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. 
I have already requested a credit freeze through XXXX and XXXX costing me {$10.00} per credit service. I will need to pay Equifax to freeze as well. ( Even though Equifax is the one who screwed me over in the first place. ) I will need to pay {$10.00} each time I want my credit unfrozen ( even if temporarily ). 
This Is Not Acceptable. 
Someone needs to pay for this.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Agency act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-08
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. (OR)

I am one of the individuals likely affected in Equifax 's security breach. They inadequately protected my credit information, and did not respond in a timely and appropriate manner once the security breach was discovered. I have put a fraud alert on my file and checked my credit report through XXXX.
Consumer complaint received 2017-09-08
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. (FL)

My personal information was affected in the Equifax data breach disclosed in XXXX 2017, some 5 weeks after the incident occurred. During that time, 3 executives sold nearly 1,750,000 USD stock. When the stock was sold, Equifax then disclosed that there was a data breach. 

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.
Consumer complaint received 2017-09-08
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. (WA)

I was identified on XXXX as having been a victim of the recent security breach ( Today is X/X/2017 ). The intrusion was discovered by Equifax, according to their statement, on XX/XX/XXXX. This is an unacceptable length of time to wait to notify the public. 

Additionally, while Equifax is offering " free '' credit monitoring for 1 year since I am a victim of the breach, this is a trap. The arbitration clause included in this free monitoring would prevent me from being able to sue them for damage caused to me by the data breach.
Consumer complaint received 2017-09-08
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. (CA)

EQUIFAX HAS ALERTED ME THAT MY PERSONAL INFORMATION SUCH AS SOCIAL SECURITY INFORMATION AND ADDRESSES AND ALL PERSONAL INFORMATION MAY HAVE BEEN RELEASED MAKING ME EXTREMELY VULNERABLE TO IDENTITY THEFT
Consumer complaint received 2017-09-08
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. (NE)

Equifax did not properly protect my information. Through cyberhacking, my account was compromised, according to Equifax 's Web service ( https : //www.equifaxsecurity2017.com/potential-impact/ ), as I discovered on XXXX2017. Equifax seems to be offering " one year free '' identity theft protection. Because of the nature of this breach and the information obtained by the hackers, this is a patently inadequate length of protection considering that anyone with my information can simply wait one or any umber of years before attempting to steal my identity with it. This is therefore is nothing more than a means to force victims caused by Equifax 's inadequate security, to purchase their service once it expires. My identity information was not divulged with my consent. Furthermore, as of today, XXXX2017, Equifax 's " free '' identity theft service agreement includes a provision that, unlawfully, binds the user of the service to arbitration. This shows bad faith on the part of Equifax and its managers in dealing with customers. Finally, three top executives sold large amounts of shares in their company before the news of the breach was public. This implies that they intended to enrich themselves based on this breach and the suffering of their customers.
Consumer complaint received 2017-09-08
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. (TX)

Equifax ( and likely the other credit agencies ) mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim of this huge breach of consumer data according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2017-09-08
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. (AR)

Equifax was breached, and now sensitive information such as SSN, credit card numbers, driver 's license numbers, etc., of over 143 million Americans are out for criminals to use exploit. Equifax did not notified affected customers in a timely manner, and instead took over a month before it officially dropped the ball that over half of the US 's population and some in XXXX and the XXXX was breached. The website that Equifax set up to let customers check if they were affect does not clearly state if one is affected or not.