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: TX

Complaint narrative:
According to Equifax ( https : //www.equifaxsecurity2017.com ), substantial amounts of personal information was leaked, including names, Social Security numbers, birth dates, addresses, drivers license numbers, and credit card numbers. Furthermore, Equifax claims that the hack occurred somewhere in XX/XX/XXXX through XX/XX/XXXX, but failed to inform consumers until early XXXX. The irresponsible handling of this information is criminally negligent and will certainly lead to widespread fraudulent activity. Equifax is a company that has massive amounts of my very sensitive information, which I never provided to the company. They must be more proactive about security or face consequences. 

Furthermore, the remedial offer to provide free credit monitoring is a total scam. Others have shown that random, nonsense inputs can cause the " Potential Impact '' form ( https : //www.equifaxsecurity2017.com/potential-impact/ ) to tell consumers that their information may have been compromised. Signing up for this service also limits a consumers ability to seek legal reparations for this leak. Finally, Equifax is highly disingenuous with the signup procedure, as clicking " Enroll '' provides the user with a " Signup Date ''. The user must then return to the site on the prescribed date in order to complete registration, while receiving no reminders or other direction to do so. There is absolutely no reason Equifax should be allowed to be so intentionally circuitous in remediating this disaster.

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: LA

Complaint narrative:
My information was included in the equifax data breach in 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: PA

Complaint narrative:
Equifax mishandled customer information, putting millions of customers at risk for identity protection. I am listed as a victim according to the www.equifaxsecurity2017.com website, and I 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 — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax had negligent security features and leaked my personal financial information.

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 Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed. 

Equifax uncovered the breach on XX/XX/XXXX but did not announce the breach until XX/XX/XXXX. 

My personal data is amongst those that were accessed during the 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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EquiFax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com 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: TX

Complaint narrative:
Equifax has exposed my personal information, including name, address, social security numbers, and details of my credit accounts and inquiries. I will be incurring significant time and expense rectifying the damage as a result of Equifax 's negligence.

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 information and put me, along with 143 million other people at risk for identity theft. I am listed as a potential victim on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Motolease, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX my motorcycle was repossessed by an agent of Motorlease. I had just made a payment on XX/XX/XXXX and in communication with Motolease to get caught up on payments. I left Vm and on their website and did not hear anything until the XXXX when my bike was picked up. 
I was under impression after speaking with them prior to the XXXX payment I would get caught up and we were moving toward that solution but they reneged and penalized me and repossessed my bike. 
The bike in question is a XXXX XXXXXXXX XXXX XXXX and the lease number is Lease : XXXX MotoLease LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX www.motolease.net

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:
Equifax is a XXXX company that allowed nearly half the countries information to be hacked so they could pay themselves more. XXXX those XXXX 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: AL

Complaint narrative:
I checked my information
on equifax2017security.com and get the following message : Based on the information provided, we believe that your personal information may have been impacted by this incident. Click the button below to continue your enrollment in XXXX 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: UT

Complaint narrative:
Equifax inadequately secured my personal information and my personal data was obtained by malicious parties which endangers my financial situation. I am at risk for identity theft and fraudulent activity by others as a result of this security 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: OR

Complaint narrative:
On X/X/2017 I discovered the Equifax breech and found their response to the situation both disturbing and lacking. After initially confirming they had not secured my data and I was the victim of the breach, I refused to accept binding arbitration and continue with their 1 year of free credit monitoring. This is unacceptable, lackluster, and disgusting at best.

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 used insecure systems to store my personal information, including Social Security Number, Address, Birthdate, and more, along with millions of other consumers. They finally informed the public about a breach where this information was stolen. 

I checked on a site they set up and both my wife and I are shown as being victims. 

I have taken the steps I can to secure our reports, but this has huge implications for filing our taxes, getting credit in the future, and all the other potential problems of identity theft. 

To top it off, Equifax and other agencies get to charge {$10.00} to freeze your credit and another {$10.00} if you need to unfreeze it. Equifax, and honestly every reporting agency, should allow your credit to be frozen for free and at any time. Especially in response to this issue where they created a problem I would then have to pay them {$10.00} to correct. 

They offer a credit monitoring service, but added language that indicates you can not participate in a class action lawsuit if you make use of it. At every turn they are making the wrong moves and the government should take action to protect the consumers harmed. 

Thank you!

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:
Involved in the Equifax security breach which is a mishandling of data putting myself and hundreds of thousands of others at risk.

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: KY

Complaint narrative:
Equifax mishandled my information and according to equifaxsecurity2017.com my data was comprised during a cyber security 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: CA

Complaint narrative:
This report is for the credit bureau Equifax which recently revealed that it mishandled my credit information and that of XXXX others by exposing themselves to a large scale security breach. Although not proven conclusively, there are major indications that there were major lapses in Equifax 's security coverage and these were not addressed in a timely manner. 

Additionally, Equifax has not provided any sort of remedial credit/identity protection service and is instead still charging {$19.00} for their credit protection service. This is entirely unacceptable in light of the cybersecurity breach. 

I am also 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: NY

Complaint narrative:
The Equifax Security Breach worries me. You mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim your website, and would like a resolution. 

You did not notify anyone quickly enough and admit that you will not notify everyone.

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: CA

Complaint narrative:
XXXX leaked my social security number and personal information to hackers. I risk getting hacked.

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: WA

Complaint narrative:
My personal information, including my social security, driver license was stolen from equifax. 

XXXX XXXX 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: TX

Complaint narrative:
On XXXX XXXX, 2017, I became aware of a security breach at the credit reporting company Equifax ; I utilized their website to find out if I was among the affected victims and I was informed by Equifax that my personal information was stolen in the security breach. This breach of Equifax 's security has opened me to possible future identity theft. I have had to take measures to protect myself against any possible identity theft stemming from this security breach. I have also since learned that this breach was discovered by the company Equifax on XXXX XXXX, 2017, which means my personal information has been compromised for 10 days without my knowledge.

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: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This is with Wells Fargo XXXX XXXX credit card. I recently applied and received this new card with promotion of 18 month 0 interest on APR of general purchases. 

On XX/XX/2017, I had a cash advance of {$850.00}, with understanding of cash advance will not have the 0 interest promotion, I paid {$1000.00} right back three days later. And I thought based on regulation, any payment above min payment will go to higher interest debit first, which in this case will be applied to the cash advance first. However, on XX/XX/XXXX, there is a {$8.00} cash advance interest posted in my account. When I called Wells Fargo, they said unless I pay the total current balance of the whole card ( which includes general purchases which should have enjoyed 0 interest, there will always be a balance for my cash advance. So apparently the {$1000.00} I paid was not applied to the higher interest balance. Is Well Fargo 's practice lawful?
Thanks,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08 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 Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. I used this site and was prompted with the message, " Based on the information provided, we believe that your personal information may have been impacted 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: WA

Complaint narrative:
On XXXX XXXX, 2017, I became aware of the possibility that my personal financial information had been stolen due to a large and successful hacking attempt against Equifax. In using their online tool, I was able to verify that I am among those affected. 

Equifax 's poor security was part of the problem, and it is necessary for CFPB and other involved agencies to act to ensure that consumers are protected, and that this does not occur in the future.

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: OH

Complaint narrative:
Equifax had a data breach and my personal information was impacted.

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:
On XXXX XXXX, 2017, Equifax announced that private information of 143 million people had been leaked due to lack of security. 

I have checked using their website, and my information was included in the data breach. 

They are offering a free year of credit monitoring, but that it hardly enough reparation and the terms of service waives your right to sue 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 with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. Equifax did not notify anyone quickly enough and admit that they will not notify everyone.

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: KY

Complaint narrative:
Equifax security breach that compromised all my personal data.

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 repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Thursday, XXXX XXXX, I heard about the hack Equifax suffered and checked to see if I was impacted. I checked using https : //www.equifaxsecurity2017.com/ and got a message that said that my information was compromised. I could n't get them the freeze my credit, and even if I did, it would 've cost me money to freeze my credit for their own mistakes which is such a scam.

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: PA

Complaint narrative:
Equifax Security Breach of 2017. Consumers were notified of this on X/X/2017 even though Equifax knew this information since XX/XX/XXXX. Unethical business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: AZ

Complaint narrative:
I had service with XXXX XXXX during a pre-priced trial period and my bill kept increasing every month I was told it was adjustments to the account and I would be given a credit for the over charges. This continued for several months with constant calls to customer service to try to resolve this issue. after two more excessive billing cycles I was done I called and terminated services with a balance of XXXX dollars owed. When I received the final Bill I was surprised to see a balance of XXXX dollars due. When I contacted customer service I was told there was an error and if I reinstated the account they would offer 6 months of premium channels I would just pay the XXXX dollars and would be fine at this point I said just submit the final bill I did not want to continue service. On the XX/XX/XXXX I was shocked to have received a letter of collection from AFNI Inc in the amount of {$550.00} and this is not correct

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: CO

Complaint narrative:
Today, Equifax released a press release that there was a breach in there system from mid XX/XX/XXXXuntil XX/XX/XXXX. Around 143 million US had their information stolen due to unsatisfactory security techniques utilized by Equifax.

Company response to consumer: Closed with explanation