vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-08 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: WI

Complaint narrative:
Equifax mishandled my personal data and allowed my data to be distributed in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
I was made aware of the Equifax data breach on XX/XX/2017. I checked on their potential impacted victims sight and was identified as having my information potentially impacted by this breach. I have checked two of my three credit reports, and there is no current suspicious activity. I have placed a 90 day fraud alert on my credit accounts to be made aware of any activity. I have also read up on the year of credit monitoring that Equifax is offering the impacted victims, but would potentially compromise their ability to join in any class action lawsuits. Since I believe this is not done in any good faith I am not currently planning on participating in this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 was victim of a hack and they believe my information has been leaked. This is a part of the larger hacking story involving the 143,000,000 identities being leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I sent this company a letter dated XX/XX/XXXX. Pursuant to the FCRA and FDCPA, I requested this company to provide me Validation Documents and listed everything that is required for this alleged debt/item to be validated ( See attached files - a copy of the letter I sent them ) It is now XX/XX/XXXX and I DID NOT RECEIVE the documents I requested. Attached to this complaint is a copy of the letter sent to me by DCI requesting me to provide information about this unknown debt. If I am not mistaken, by law, they are the who are supposed to be providing me with proof that this item is VALID. This company definitely violated FDCPA. To make things worse, this item was already removed from my XXXX report and still is reporting on my XXXX and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
I am one of the people impacted by the Equifax hack. The scale of this breach in trust and law is absolutely unacceptable. There should have been adequate safeguards put in place by law more than a decade ago. This incident only serves to highlight the urgent need for more stringent security requirements. Or any decent security requirements in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: AL

Complaint narrative:
I believe equifax has repeatedly ignored security loopholes in their system. Especially with as much personal information as they have available ... there should not be an issue like the hack happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: NC

Complaint narrative:
On XXXX/XXXX/17, Equifax had a huge IT security breech and hackers obtained the personal SSN and credit card numbers and histories of many people. I am one of them. Due to Equifax 's lackadaisical approach to IT and computer security, I now need to monitor my reports for any fraud, place a freeze on my credit, and need to monitor my tax filing closely. There was no way on my end to avoid the security breech, however Equifax had the money and resources to prevent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 did not protect my sensitive personal information. The data breach was due to their inability to secure my information adequately and thus put me at risk. Again, it is up to me as the consumer to deal with any risk, remediation, and taking additional steps to secure my data and identity. This is simply unacceptable, given this is Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax Breach lasting from mid-XXXX through 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. And they grabbed personal information of people in the XXXX and XXXX too. 

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 2017-09-08 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:
I received notice that my personal information was compromised through the cybersecurity breach of Equifax on XXXX/XXXX/2017. I filed a 90 day fraud alert on my credit profile on XXXX/XXXX/2017 and I am waiting to determine the extent of the breach before taking further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Called to apply for a credit card with Golden1 credit union, my main bank. Received a letter from Golden1 about a week later saying that I was denied for a {$20000.00} personal loan. I was afraid my identity had been stolen and called to shut down my debit card immediately. The next day I called Golden1 fraud services. They did an investigation and said that because credit cards and personal loans are initially processed as the same, that they had processed my credit card as a personal loan application. I was very upset and tried to explain that I did not apply for a loan and certainly was not expecting a credit card with a limit of {$20000.00}, which is one third of my gross annual income. I told them that this would negatively impact my credit score and was also inaccurately reported to the credit reporting agency as I did not apply for the loan. I asked them to contact the credit bureaus and correct the related inquiry to reflect a credit card application instead of a {$20000.00} personal line of credit. They refused and I issued a fraud alert with XXXX and XXXX. I would like to take further action to remedy my credit score and prevent this from happening to anyone else. I no longer trust credit unions and do not see them as a positive alternative to banks.

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 2017-09-08 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:
They had a major security leak, which potentially included my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
On XXXX XXXX, 2017, because of insufficient security safeguards, Equifax announced that they allowed my personal information, credit report, and possibly my credit card numbers to be accessed illegally by third parties. They have set up a site to verify that you are a member of the effected class, and I have confirmed that I am a member through this method. I declined to enroll in their protection program, because it would force me to waive my right to join a class action suit regarding this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 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 They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
This week ( XXXX/XXXX/2017 ), Equifax disclosed a security breach in which 143 million US customers of the agency had their personal information taken. I checked on https : //www.equifaxsecurity2017.com and the site alerted me that my personal information may have been impacted by this incident. This amounts to improper use of my personal data by having it disclosed to 3rd parties without my consent ( even if Equifax is a victim in this case as well XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: VA

Complaint narrative:
I was notified that my personal information was compromised as a result of the XXXX XXXX 2017 security breach at Equifax. I want to file an official complaint and I want to know how Equifax plans to protect myself and millions of others implicated. I do not want to be financially responsible for something that happens as a result of their ineptitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
I validated the security breach had affected me at the suggested link provided by Equifax ( https : //www.equifaxsecurity2017.com/potential-impact/ ). When attempting to get a resolution, I was forwarded to sign up with a pad security service ( free for one year ) with the caveat of forfeiting my rights in a class action lawsuit against them. In summary, Equifax did the following : 1. mishandled secure information with an insecure API that allowed data to be returned to attackers in plain text. 

2. Did not disclose the breach this for over a month while executives sold stock, instead of immediately notifying affected individuals. 

3. Are attempting to prey on victims of this attack further through a carefully worded arbitration agreement that waives litigation rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from obtaining financing to purchase a home because of their wilful non-compliance with the FCRA. Thank you.

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 2017-09-08 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 was recently hacked and after checking their service, i was listed as an affected victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
XXXX was hacked! I was possibly affected. I tried to enroll in protection program and was told to save the website and come back on or after XXXX XXXX. XXXX should have immediately enrolled every consumer affected or possibly affected and then contacted the consumer with the news and reassurance they were enrolled for a lifetime of credit monitoring!!!! The executives that cashed in before announcement and before stock tanked should be investigated and jailed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: NC

Complaint narrative:
This is regarding the Equifax hack. I just checked my credit score and it is down XXXX points. I am actively trying to repair my credit in the hopes of buying a house soon. This will set me back and I am not pleased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
equifax had my information which was collected and then shared with others without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 has suffered a huge data breach. They will not confirm or deny my credit data was stolen. I am only offered an option to check after 7 days. Also they are trying to charge me money to freeze my credit report. Seems outrageous after they allowed their systems to be hacked and now want to charge me to protect my credit rating ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
I was " impacted '' by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 Number, Address, Birthdate, Driver 's License Number, and possibly more. They allowed a data breach to occur inXX/XX/XXXXand they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 data was breached and my information was obtained by someone besides me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
On the morning of X/X/17, I learned of the data security breach at Equifax Credit Bureau via XXXX. XXXX provided a website address/URL to assist individuals in determining if they were affected by the hacking incident. I visited the aforementioned site and was informed that both me and my spouse were possibly affected by the hack. We subsequently registered for identity theft protection via their TrustedID program. Later on in the day, I learned that after one year Equifax will charge for the TrustedID program and signing up for the program waived our rights to participate in any lawsuits ( i.e. class action, etc. ) and we 're subjected to only arbitration. I believe this to be very unfair, penalized in two different instances for their inadequate cybersecurity protection of our personal and highly sensitive data ( charge after one year and waiving our rights ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 compromised 143 million people 's Social Security numbers and other data and just announced this on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: WI

Complaint narrative:
On XXXX/XXXX/2017 I was informed of the security breach at Equifax. After checking to see if I was affected, I found out that indeed my information had been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
My entire identity has been compromised due to equifax 's lax security. this has led to an inexcusable breach of my privacy and information. my entire life is now up for grabs which has the potential to ruin me.

Company response to consumer: Closed with explanation