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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax lacked basic security to protect my consumer information from cyber attack.

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 mishandled my personal information, including SSN, DOB, DL #, credit card numbers, and other information which has led to a breach that puts myself and millions of others at guaranteed 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. while their executives took the time to sell shares worth millions of dollars. 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
OnXX/XX/XXXX, I began to receive telephone calls from credit card companies and banks looking to confirm my personal details to complete applications for credit cards or other bank services. At this point, I realized I was a victim of identity theft.
I immediately checked my credit reports from the three bureaus, and placed a fraud alert on my profile. I also opened a police report at my local department. 

OnXX/XX/XXXX, I signed up for identity theft services to attempt to protect myself. 

OnXX/XX/XXXX, I was called by a lending company looking to verify my employment. It turned out someone had created a fake ID with all my valid information, including driver 's license number. 

I believe all of the above was the result of the Equifax data leak, as the timing matches with the breach as well as the fact that Equifax is of the only sources that contains all information needed in the attacks that I have suffered.

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: NY

Complaint narrative:
Equifax says that my personal information may have been exposed in a recent cyberattack. This has put me through undue stress in a rush to retrieve credit reports and place fraud alerts. Additionally, the Equifax website where one can check whether their information has been exposed is highly faulty. Many media outlets have reported how the site says that the information for made-up people with made-up social security numbers may have been exposed. This unreliability only worsens the problem of detecting if you 're at risk, as now everyone is in a frenzy and fraud alert and credit report websites are often unavailable because of the extremely heavy load.

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

Complaint narrative:
Equifax 's security breach may personally affect me per their website. They are obviously unfit to hold consumers secure 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: MI

Complaint narrative:
I checked equifax site for security breach and it stated that identity might have been impacted. I checked the site today X/X/2017.

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

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried to put a freeze on my and my husband 's accounts at Equifax. They took my husband 's request but denied mine - I have a copy of the denial. It suggests that I mail them my information - including my social security number. Are they crazy to ask me to send my data via unsecured postal mail? They obviously do not understand security risks. 
I checked if my data had been compromised on their site and they said probably. To add insult to injury they also charged the {$5.00} fee for the freeze to my credit card even though they did n't process my request. I tried to call but after 16 minutes of waiting to be connected someone answered and hung up. When when I tried again all circuits were busy.
I have put freezes on the other 2 agencies so am only concerned about Equifax. Can you as an agency make them notify anyone who 's information has been compromised whether or not they have their credit monitoring protection? I should n't have to enroll to be protected if they are responsible for compromising my information. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automated Accounts Management Services
State: MI

Complaint narrative:
I have cintacted this company several times my purse id insurence cards all was stolden they are nastu and refuse to remove the fraud accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
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: ID

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 in XXXX 2017, and 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. 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 who dumped stock immediately prior to the data breach announcement.

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: IL

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am incensed with how equifax has handled reporting this breach and the steps they have taken to rectify the situation. 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. 

When attempting to sign up for credit protection on the Equifax 2017 security breach website. I was forced to enter 6 digits of my SSN and then receive a notice that I am to come back to the website the following week to enroll. According to the news, this breach occurred 5-6 weeks ago. 

I then went to the XXXX website to review my credit report and enroll for extended fraud alert. I tried three times to do this through their the XXXX website. Each time I tried to upload the required documents the website would error - either by saying the site can not be reached or that the web page could not be found.

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: NY

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 should be rectified by : Equifax should be required to monitor my 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. If there is fraud due to this misuse of my report, Equifax should be responsible for correcting the fraud as well as responsible for any associated costs. 

Additionally, Credit freezing should be free. Requiring a police report is absurd when they clearly know if you were affected.

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

Complaint narrative:
Equifax insufficiently protected my information. I just found out that it 's been compromised. This happened weeks ago and they did not notify me - I found out about the compromise through social media and had to go to their website to verify that my information has been compromised. 

I 've already spent several hours freezing my credit info, requesting and reviewing credit reports to search for suspicious activity, and researching ways to ensure that i 'm made aware of any attempts to use my information illegally. 

I am extremely disappointed to learn that executives of Equifax took care of themselves by selling their shares of stock before taking care of the owners of the information they failed to protect. 

I expect 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

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: EQUIFAX, INC.
State: WA

Complaint narrative:
Unable to get by bots or reach by telephone. Company incommunicado. Contact by message on facebook - only reply as to direct me to a website that charges me illegally for credit freeze.

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 recently announced a massive data breach. I have used the website they set up to confirm my information was compromised. They have not provided me written notification that my information was compromised, and have not provided details on exactly what information of mine was compromised. 

By failing to personally notify my of which data of mine they compromised they are placing the investigative burden on me. They are making me responsible for finding out if they compromised my information. 

Once I determined that some of my information had been compromised ( but not details of which information ), the only recourse they offer is one year of " free '' credit monitoring by their service. They are leveraging the problem they created to benefit their business. While they may not have created the situation, it has the appearance of a shakedown scheme. 

The risks Equifax has exposed me to are serious. Their response has been anything but. They have failed to provide adequate notification to those they placed at risk and failed to assume responsibility for placing them at risk. I consider this especially egregious since I do not have a consumer relationship of any sort with Equifax ; they store my information for the benefit of themselves and their customers, yet it is me currently facing the risks of their negligence.

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

Complaint narrative:
I am extremely nervous about the recent hack.

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

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 a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is listed on my credit report with the initial creditor noted as XXXX. I mailed to XXXX XXXX to validate debt and mail was returned. I submitted a complaint to CFPB and the response from XXXX XXXX XXXX was the debt did not belong to them.

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: IL

Complaint narrative:
Equifax, a consumer credit reporting agency, was recently ( estimated XXXX 2017 ) breached and sensitive customer data exposed to would-be identity thieves. Equifax had insufficient security in place to prevent this breach, and has tasked the consumer with following steps manually to freeze, monitor, and track their existing credit reports.

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 lost my personal/credit information to a cyber attack.

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

Complaint narrative:
Equifax 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, as well as the other credit reporting agencies, 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. In addition, changing the PIN with information that was already stolen is ridiculous. This is not only unsafe, but will allow further unauthorized use of your identity.

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: SC

Complaint narrative:
I have been making on-time payments that include an additional amount specified to go towards the principal of this loan. While I graduated in the year XXXX and began making payments sometime thereafter, my loans were transferred ( without my signature ) to another loan servicing company, American Education Services, under the Pennsylvania Higher Education Assistance Agency ( PHEAA ) in XXXX. After numerous attempts to manage my account so that I could pay off the loans, the entire amount of the payments are still going to interest as evidenced by the tax form provided by the lender as well as the obvious evidence of a balance that is well over the original loan amount. There has been no communication in response to several attempts from me or my lawyer to provide the documentation requested regarding the original transfer, the interest rate that has been consistent over the life of this " loan '', or the discrepancy between the reported interest rate and fee structure along with the principle balance, which were requested while in good standing. Furthermore, there has been no response or answer to how the " loan '' interest continues to show in " Account Summary '' as " Unpaid Interest ''. In fact, this loan has been paid in EXCESS of the original student loan agreement including interest. Most recently, notification that was sent to the company to stop automatic payment was ignored and another payment was taken from the banking account.
This student loan servicing company meets the definition of predatory lending due because they have made it impossible ( hidden fees, misappropriation of payments, non-communication ) to pay off the " loans ''.

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: NC

Complaint narrative:
Equifax has inappropriately handled my private data in the process of their credit reporting. The breach of information that recently occurred has left millions of Americans at risk with little to no recourse. In addition, the transparency and reporting on this issue has been unsatisfactory. They have enabled private parties to access our information and have not given us appropriate means to defend ourselves.

Company response to consumer: Closed with explanation