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: 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.

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 indicated that my wife as well as my own personal and secure data has been compromised due to lacking security measures. Equifax failed to release this information in a timely manner and even let their employees sell stock before it became public knowledge.

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:
My information was allowed to be stolen from equifax. ALL OF MY INFORMATION! My name, address, social security #, date of birth, credit cards EVERYTHING! I have confirmed this on THEIR WEBSITE! I am angry beyond belief!

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:
This is about the security breach with Equifax. The breach was discovered XXXX XXXX and yet it took over a month for them to even report 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: WA

Complaint narrative:
Equifax mishandled millions of SSNs, credit card numbers, DOBs, and other personal information for almost half of the United States. After learning about their security breach, they waited almost two months before telling the public, and a few of the executives sold stock before even announcing the events publicly. Additionally, the way EquiFax decided to handle the situation was to provide a free 1 year monitoring of each customer 's information, even though many of these breaches will yield a lifelong threat against identity theft.

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: PA

Complaint narrative:
My information was compromised in a security breach, and I am a potential victim according to XXXX. Ridiculous that a company that handles extremely sensitive information can be so careless. The fact that I have to pay to freeze my credit is XXXX, I did not cause this so why do I have to foot the bill? It may only be a few dollars, but Equifax is making millions off 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax leaked my info in one if the largest leaks of its kind. It seems my SSN and other info was stored in PLAIN text. This security breach was 100 % avoidable with proper security practices including salted hashes which it seems were not employed.

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 did not secure my private information, and hackers now have access to ALL of it ( name, social security number, birth date, addresses, driver 's license number, and credit card numbers ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have a delinquent account. I have made previous arrangements to pay the balance. The first payment cleared in XXXX, XXXX. I set up subsequent auto payments in the amount of XXXX for 5 months. I have the confirmations. They continue to call and continue to give me wrong information for transactions I did not authorize. They are calling to the point where I am being harassed. They have the payments set up, I do not understand why they continue to call or why they have the information wrong when they call me.

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: TX

Complaint narrative:
Equifax breached all of my personal info to cyber attackers : XXXX XXXX XXXX Apparently they knew of this breach for 2 months and did nothing about it, now all of my personal information is in these cyber attackers hands to sell ...

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 security breach of Equifax disclosed on XX/XX/XXXX represents a gross misconduct on the part of a private firm which wields far too much power over the financial life of the average American consumer. The mishandling of vulnerable information ( including sensitive data such as credit history and social security numbers ) puts me and an estimated 143 million of my fellow Americans at risk. Furthermore, is abhorrent that this breach was only disclosed recently despite the fact that Equifax has been aware of the issue since XX/XX/XXXX. Finally, the fact that Equifax is able to profit off its own criminal negligence by charging consumers for credit protection and freezing is both morally and legally repugnant.

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:
I am XXXX of the people affected by the recent Equifax hack, and I want to file a formal complaint against the company for not only jeopardizing my information but failing to report the leak for several months.

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 identity was compromised in the Equifax data breach which reportedly was discovered on XXXX XXXX, 2017 - the compromising includes my home address, telephone, SSN, DOB, license number, and potentially more harmful information. I have since placed a freeze on my accounts at the major credit agencies.

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:
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: PA

Complaint narrative:
I was one of 150 million people who had their account, social security #, potential credit card information breached due to Equifax 's inadequate protection of that information and due to their greatly delayed informing of those effected.

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: CT

Complaint narrative:
My data was not properly protected by Equifax and I am now at risk for identity theft.

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:
According to Equifax 's website my data was likely stolen in their recent breach which impacted more than XXXX Americans. The credit monitoring service they 're offering only covers XXXX year of potential fraud and would require me to forfeit my right to litigation over this issue. Due to their negligence, I 'm also going to have to spend at least {$60.00} to freeze and unfreeze my credit reports. I 've never voluntarily done business with Equifax yet they have all of my personal information and their lack of security means that I 'm now at high risk for identity theft.

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: OK

Complaint narrative:
According to equifaxsecurity2017.com, my credit information was compromised by a security breach of Equifax 's systems. Equifax mishandled my information, which puts me and millions of other people at risk. Equifax did not notify anyone quickly enough and admitted that they will not notify everyone. Three of their executives conveniently sold off personal stock ahead of the announcement of the breach. On  top of that, they used vague fine print to con people into signing away their class action lawsuit rights by signing up for TrustedID, their credit monitoring service. These people hold our ability to buy cars, homes, and other consumer goods in their hands, and they not only failed us, but have used underhanded methods to deflect blame.

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:
Equifax got hacked, my information is now available.

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 has let my personal data be leaked and has now charged me to put a freeze on my credit. They should be held accountable for this breach of their security. 

The breach occurred sometime within the last three months but I discovered I was affected on XXXX XXXX, 2017. 

I 've had to contact each national credit report agency to freeze my credit incurring costs to me for Equifax 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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax had a data breach at the end of XXXX, XXXX and only declared so publicly today, XXXX XXXX, XXXX. They mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

They took their time to deliver the news ( which could even further harm innocent people who were potentially exposed during that time period ) while the executives unloaded their stocks. 

This is foul beyond all means and must be rectified. There are 143 million people at risk now due to their incompetence. 

Retribution is not only just, but demanded.

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 — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You probably already have a huge steaming pile of complaints regarding the Equifax breach. That incident alone is complaint-worthy, but my particular complaint might ring a different tune.
The site they offer to check if you 've been " impacted '' ( https : //www.equifaxsecurity2017.com/potential-impact/ ) is deceptive. If you are determined to be affected you 'll see a display like the following : " 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 TrustedID Premier.
[ Enroll ] '' For starters, you ca n't even enroll right away, and are forced to return to the site at a later date that they provide. Rampant identity theft can begin NOW, and we ( impacted consumers ) need the protection NOW. Doing anything after the theft has occurred is already a worst-case scenario.
My expectations were : a ) An option to freeze the credit report right away. ( This is by far the MOST important thing. ) b ) Voluntary outreach to all affected customers by postal mail.
c ) An offer for FREE identity protection services, available immediately.
d ) An honest description of what exactly might have been leaked - a worst case estimate if they truly do not know.
Equifax is clearly failing on all four counts, beyond also completely failing in IT security. As I read it, they can not even assess the extent of the damage because the controls were so faulty.
What 's worse, after reading into what TrustedID Premier actually is, this is a PAID service that they appear to intend to use to wring more money out of unsuspecting consumers! This is outrageous behavior and needs to be curtailed! The message to enroll for TrustedID is an up-sell, not a path to restitution.
I never once chose to be involved with this company, and it is incredibly unfair that I am now exposed to significant harm because of their negligence. That they have the nerve to then attempt to up-sell me amidst this major failure is reprehensible.

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: Experian Information Solutions 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is in regards to the equifax hack. I have been notified that my information HAS been compromised. Their laziness when it comes to security makes the fault theirs.

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 affected 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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am another victim of the Equifax security breach. Due to their inadequate security measures, myself and millions of others were placed at unnecessary risk. Additionally, I was not notified of the breach by Equifax and had to do my own research to determine whether I was affected. Now, in order to keep myself safe, I will have to pay them to freeze my credit profile and then pay them again any time I want it temporarily unfrozen. Finally, Equifax attempted to surreptitiously trick myself and all other affected consumers into waiving their rights to a lawsuit by planting an arbitration clause in the terms of service of the identity protection they offered in the wake of this 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: MN

Complaint narrative:
I am affected by the Equifax security breach. There is potential that my SSN, DOB, full address, and DL number have been stolen. 

I was not notified by Equifax about this security breach. I found out about the security breach today, XXXX XXXX, 2017, 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: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
In response to the recent XXXX security breach of 143 million customer records, I tried to take some precautionary steps by filing a 90 fraud alert with Transunion. Unfortunately, this process did not go smoothly. 

-First, a minor note : I usually try to use passwords that are 20-30 characters long to ensure maximum password entropy. They wo n't allow that, but also wo n't tell you " what '' the maximum is. I eventually got down to 10 before it went through. This is laughable security for a company that is supposed to be handling sensitive financial data. 

-Second : After answering a bunch of verification questions, it somehow was n't able to verify who I am, and told me to call. 

I called Transunion, navigated their daunting phone tree, and finally got to the point where I could setup a fraud alert that way. Unfortunately, what came next is where my complaint begins. In order to take reasonable security measures for something that is essentially THEIR fault, due to their shoddy data security practices ( see my first note as an example ), They force you to listen to a sales pitch. It 's a sales pitch for their overpriced monitoring services, which I have no need for. Furthermore, when you decline, it keeps going! It goes " are you sure? '' -- and then proceeds to give you another 2 minute long sales pitch that 's even more long winded and aggressive. I almost hung up on them, but then I 'd have to start all over later on. 

This is, quite frankly, appalling. Let me summarize. 

1. Credit reporting agencies drop the ball on data security.
2. Try to take precautions to protect your data and financial security 3. Forced to listen to not one, but two sales pitches before you can actually continue, for overpriced services that you can get from any card company that you do business with, for free.
This preys on the financially uninformed and those who are panicking due to a huge data breach. I imagine a lot of individuals would blindly sign up for this and then get billed monthly for something they do n't really need. Finally, it 's just inappropriate given the circumstances. It completely sets the wrong tone. 

Finally, I called Transunion back a few minutes later and spoke with a supervisor to issue a complaint and verify the alert was actually in place. He did verify it, but then tried to start a similar sales pitch near the end of the call! Absolutely ridiculous.

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