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: CA

Complaint narrative:
I was a victim of the data breach that occurred with Equifax, where my personally identifiable information was illegally accessed. I became aware of this upon the news of the massive data breach in the media on XXXX XXXX, 2017, and I confirmed via Equifax that my information was likely compromised. I have since placed credit freezes through all three bureaus but expect better accountability and oversight to be placed going forward, and that Equifax is held to account for this incredibly irresponsible and reckless action.

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 affected by the Equifax data breach. My personal information has been confiemd to be have been compromised. This includes name, DoB, SSN, State ID/DL #, address and potentially credit card numbers.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax big security breach on XXXX/XXXX/XXXX. I was informed that I was affected by it. I checked XXXX/XXXX/XXXX on equifaxsecurity2017.com and it said my information was compromised. I will be freezing my files with all 3 credit bureaus shortly.

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 got hacked and now sites such as XXXX XXXX XXXXXXXX are telling me my identity and credit information could have been compromised as part of the hack/breach. This creates unnecessary anxiety, worry for 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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am listed as a potential victim as a result of the recent data breach from Equifax. https : //www.equifaxsecurity2017.comXXXX They mishandled my information and put me at risk, and I had never gave them the authorization to have my information. They retained my sensitive financial information without my explicit approval and should n't have been trusted with it. 
They also did not notify me of my compromised data in an appropriate amount of time.

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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Via the hack that exposed 137 ( approx. ) million US consumers credit data at Experian, I am apparently included. This is XXXX XXXX, 2017. I Just used their online portal to check, and my information is said to be included ( complaint portal at XXXX XXXX XXXX ). 
This is a complaint against Experian for failing to hold my data securely, and putting me, and millions of other American consumers at risk. 
This is ENTIRELY UNACCEPTABLE. We should not, in this day and age, even be using SS numbers as identification. This situation only drives that point home. But to have the very people supposed to be safeguarding that information leak it is beyond the pale. This entire model of doing business is looking worse and worse. 
I think I speak for a lot of frustrated consumers today when I say I demand something be done to 1. Punish Experian and 2. Make sure that this can not happen again.

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:
Equifax stored my sensitive information without my permission, then allowed my information, as well as millions of others, to be accessed by individuals who had no reason to have access to said information. This all happened at the end of XXXX, and they did n't notify those impacted for over a month. Then, to check whether I was impacted by the company that gave my information away, they required a sign away of my right to participate in a lawsuit.

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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax had a breach of security and my most precious personal information was compromised. Equifax was given this information per agreements with my banks and loan providers without my knowledgeprobably mentioned somewhere in those pages and pages of fine print common in every transaction from television purchases to home financing ( XXXX bless capitalism for giving us too much to read! ) Not that I would have a choice either way. Were I to opt-out of this sharing of information, I 'd be less likely to be approved for an apartment, a home or student loan, and even employment, as my credit history would n't be available to those organizations. 

As this is an official record, I 'd like to say that the Equifax executives who let this go on for months and then sold their stocks before acknowledging the breach publicly should be held accountable and sent to federal prison, but they 'll probably just end up working as senior advisors to the president. 

Thanks, 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: NY

Complaint narrative:
I am one of the people affected by the recent Equifax hack. Equifax failed to protect my data. I have signed up for identity theft protection and am in the process of putting an alert on my credit reports.

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 mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

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:
Was made aware on XXXX XXXX 2017 that over 140 million SSN, DOB, address and DL profiles were stolen from Equifax. I am one of those millions. This puts me and my financial health in tremendous risk. This is unacceptable, it 's not like we have a choice not to use Equifax. Also, it was made apparent that insider trading occurred, as executives at Equifax sold shares of their company after they were hacked, but before this was made public, and this is against the law.

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 willfully mishandled my personal credit information by employing extremely substandard secruity measures leading to a massive breach of personal data in XXXX XXXX. This was done knowingly, as multiple Chief Executives of the company engaged in share dumping activity immediately prior to the leak becoming public.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My personal information has been leaked, along with approximately XXXX XXXX other people, by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Bureau of Walla Walla
State: OR

Complaint narrative:
In Court, the Collections Bureau representative admitted that they filed a lawsuit on a claim that was OVER the statute of limitations. I have the recording of the court proceedings where the representative admitted to filing it falsely.

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 breach of Personal Information. I was one of 134 million potential consumers whose information was obtained via a security breach. I believe this breach could have been presented if proper security measures were implemented by Equifax. I have not voluntarily supplied my personal information to 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: MI

Complaint narrative:
My personal financial information was comprised by 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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit reporting company Equifax exposed XXXX XXXX Americans ' information in a data breach. I called their customer service line but was told to simply submit a fraud detection alert for the next 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
bank restricting cash payment for credit card My nurses aid assists me by doing my errands. One errand is to go to Chase Bank and make a payment for my credit card. I am not allowed to have a bank account by the local DSS ( that provides me with SNAP and MEDICAID. ) Thus my payments are cash. Chase will not accept cash from anyone except me, the cardholder. I explained my physical limitations and why my aid is there with my payments. Chase would not listen.
Why is the bank allowed to discriminate? Cash is cash. They try to offer an explanation about money laundering ( the Federal guidelines allow up to {$2400.00} as not money laundering ) Do I need to start legal action?

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My personal data was stolen via the Equifax leak.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I paid off XXXX in XX/XX/XXXX in full but it still appeared on my report. But it was fine, just still appeared when all other Medical billing companies came right off! I disputed it back in XX/XX/XXXX and since then it shows up as 'Derogatory ' in big red letters on XXXX XXXX and other soft draw agencies. Went through BBB And XXXX just gave me the soft shoe shuffle!

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I paid off XXXX in XX/XX/XXXX in full but it still appeared on my report. But it was fine, just still appeared when all other Medical billing companies came right off! I disputed it back in XX/XX/XXXX and since then it shows up as 'Derogatory ' in big red letters on 'XXXX XXXX and other soft draw agencies. Went through BBB And Equifax just gave me the soft shoe shuffle!

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 had negligent security protocols on sensitive information related to me. According to their website, my information was likely affected by the breach. I took action to freeze my credit on each of the credit reporting sites on XXXX XXXX, 2017. This mishandling of information may very likely lead to identity theft of myself and millions of other Americans.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I was part of the Equifax security breach, as of now I know if nothing has been taken from me but I know my information was involved in the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Principal loan amount XX/XX/XXXX : {$22000.00} Loan balance now : XXXX Total loan INTEREST paid so for : XXXX Navient is going to add the total amount of principal paid by me in the days to come, but I have paid at least {$10000.00}. So far it shows at least {$41000.00} total paid out!!!!!! 

FYI : From XX/XX/XXXX to XX/XX/XXXX I paid religiously {$280.00} a month for 10 years that is a total of {$34000.00} and I still owe {$12000.00}!!!!!!!! My payments are {$300.00} a month for the next 5 years that 's another {$18000.00}. Over 28 years that 's {$60000.00} on a {$22000.00} loan. I think I have paid my fair share!!!! On XXXX, in the blog section, regarding class action suit against Navient ; there are dozens and dozens of people just like me, in the same boat.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax had a data breach and my personal information has 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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As part of the Equifax hacking scandal, I was told that I might be impacted. As such, I 'm filing a complaint against Equifax for how they handled this situation and how they have not offered any sort of services or help for those who might have been negatively affected by their blunder. It 's the height of unprofessionalism and hardly seems legal that something like this should be allowed to happen without certain safeguards in place or without providing information on how to deal with this problem. Additionally, the fact that enrolling in their Fraud Check report system means waiving the ability to sue them down the road seems highly suspicious.

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:
My social security number was reported as probably compromised by Equifax. This might allow people to open accounts in my name resulting in my credit report being very adversely affected. It is absolutely unacceptable that over 143 million social security numbers have been compromised by Equifax. Many wo n't even know to put a fraud alert on their accounts or to check their social security number and the devastation they unknowingly face may be astronomical.

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax data breach and delay in reporting breach to affected consumers

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax failed to protect personal data which enabled my records to be compromised. I was never sent a notice my data was vulnerable and that a breech had occurred. The company still has not notified me or stated a clear date that the breech occured. They just state it happened between mid-XX/XX/XXXX and XX/XX/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: MO

Complaint narrative:
I have been affected by the consumer data breach announced XXXX/XXXX/XXXX. I am extremely displeased that my information was and can be accessed without my consent to a credit reporting agency that I do not have the choice to conduct business with. I am a " customer '' of Equifax, whether I want to be or not. I am even more displeased with the amount of time it took to announce the breach to the public. Apparently, the breach took place between XXXX - XXXX of this year, but was not announced until yesterday, XXXX, and most importantly, various news outlets report that high-level executives sold their stock/shares between the time of the breach and the public announcement. This is a form of insider trading and has the potential to destroy the stability of the stock market. They should be punished up to the fullest extent of the law.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax security breach. My information was hacked.

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 mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax mishandled my credit information, which puts me and millions of other people at risk. Currently, I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation