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: KY

Complaint narrative:
Information on my Equifax report was reportedly leaked to individuals without my consent. I was made aware by a press release on X/X/17.

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:
Sensitive information compromised in Equifax hack.

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: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My personal information seems to have been mishandled which puts me and other consumers at risk ( XXXX XXXX XXXX ) .I am listed as a potential victim according to their equifaxsecurity2017.com website. Furthermore, according to the above article, the breach was discovered on XX/XX/XXXX, and several Equifax executives sold their stock in the next few days ( although indicating this had nothing to do with the information breach ). However, I was not notified until this point through my own investigation ( 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 — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: WI

Complaint narrative:
XX/XX/XXXX US BANK-I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX/XXXX- US BANK-I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX/XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX/XXXX XXXX -- I DID NOT  AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT- I CURRENT HAVE A CREDIT CARD WITH THIS COMPANY BACK IN XX/XX/XXXX, THERE WAS NO NEED TO RUN MY CREDIT. 
XX/XX/XXXX- XXXX/XXXX I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX US BANK -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX/XXXX  XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX I- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX ACCOUNT IS APPREARING TWO TIMES ON MY CREDIT REPORT, I ONLY ONE ACCOUNT WITH THEM AND THIS ACCOUNT HAS NEVER BEEN LATE. 
XX/XX/XXXX-XXXX/XXXX ACCOUNT NEVER PAID LATE ACCOUNT IS ALSO SHOWING TWO TIMES ON ACCOUNT, I ONLY ONE ACCOUNT WITH 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 2017-09-08 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:
Due to bad security, leaked my SS, DL Number, DoB, and other identifying information. 

They knew and kept it quiet for multiple months, placing myself and others at unknowing risk. 

Their only offered fix is a 1 year protection, which requires waiving my rights to damages.

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: NJ

Complaint narrative:
Information comprised in Equifax breech

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:
Equifax negligently allowed my personal credit data to be obtained by third parties.

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:
According to its website, Equifax 's recent cybersecurity breach resulted in the theft of my personal information. As best I can tell, the hackers have gained access to my name, address, social security number, date of birth, and possibly other personally identifying information that would be useful for identity theft. I have placed an initial 90 day fraud alert on my credit report, but there is little else that I can do at this point to prevent identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sold {$200.00} worth of XXXX in Coinbase and chose the " Instant '' sell option to send my payout money ( {$200.00} after fees ) to my XXXX account. I received a confirmation email that my sell of {$200.00} XXXX had started and the " estimated payout '' would occur on XX/XX/XXXX. I  checked my " History '' in my Coinbase account and that particular transaction says " COMPLETED. '' It is now XX/XX/XXXX and I have not received any payment from Coinbase to my XXXX account. I am growing alarmed because I have no idea where my money is. Coinbase does not provide clear information on this issue, their customer support XXXX is XXXX, and they do not provide customers with a tool or update to track the money. 

Would like to know where my money is, why I have n't received it yet, and when I can expect it to arrive. 

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: PA

Complaint narrative:
The breach Equifax reported Thursday, is, very possibly is the most severe breach of personal information. By providing full names, Social Security numbers, birth dates, addresses, and, in some cases, driver license numbers, it provided most of the information banks, insurance companies, and other businesses use to confirm consumers are who they claim to be. The theft, by criminals who exploited a security flaw on the Equifax website, opens the troubling prospect the data is now in the hands of hostile governments, criminal gangs, or both and will remain so indefinitely.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
After the Equifax breach, I was informed by their own site that a vast amount of my personal private information was released in the breach. Their mishandling of my information puts me at risk for identity theft and at the very least I want to be able to freeze my credit before a problem occurs, rather than after a problem occurs when I would have a police report.

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

Complaint narrative:
On Friday, XXXX, I became aware of the Equifax data breach/hack that happened between XX/XX/XXXX and XXXX of 2017. Using their victim identification site, equifaxsecurity2017.com, I was listed as a potential victim. My information, along with the information of hundreds of millions of Americans, was clearly mishandled by Equifax and puts us all at risk of identity theft and the negative consequences of that. 

Furthermore, Equifax was negligent in its handling of alerting potential victims. Not only did Equifax not notify anyone quickly enough, it has admitted it will not notify everyone. Furthermore, credit freezing should be done free of charge and not require a police report to be free. It is absurd to require a police report when the damages of identity theft can occur much sooner than knowing a crime has been committed.

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:
Company : Equifax Equifax mishandled my information, which puts me and countless 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: NJ

Complaint narrative:
This complaint is regarding the Equifax Data Breach that occurred between XX/XX/XXXXandXX/XX/XXXX and was reported in XX/XX/XXXX. This gross incompetence and lack of care for the privacy and security customers ' personal information has directly impacted me and family members, as we 've been informed by Equifax that our information has been stolen in the data breach. Further, the fact that even getting the information and protection that Equifax offers as recompense for their incompetence REQUIRES me to waive my right to join a class action against them is the most evil possible thing Equifax could have done.

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 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, XXXX, 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: CA

Complaint narrative:
Equifax was hacked and my information was part of 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax did not exercise proper security measures and resulted in my information being compromised. They have opened me up to identity theft and have only made a token offer to monitor my credit for one year. This service costs ~ {$20.00} per month afterwards and much of my data will not change over the course of my remaining years on Earth ( approximately 55 more years based on average life expectancy ). This is over {$13000.00} over the course of my lifetime paid to Equifax. {$13000.00} to trust a corporation who has already handed my information over to criminals who have the potential to steal countless money from me and ruin my credit.

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:
Equifax security breach has allowed my sensitive information to be stolen.

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

Complaint narrative:
Equifax breach has put my identity and credit score at risk. Based on a search on their site, I may be 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax mishandled my information, which puts me and several hundred thousand other people at  risk. I am listed as a potential victim according to their website, and would like a resolution. They should pay for credit monitoring etc.

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:
Earlier this year Equifax had a data breach that leaked my personal details and information. They had subpar security, and were negligent about making sure that my data was safe. After learning about the data breach, Equifax was negligent about handling the aftermath, and kept it secret for too long. Now that my personal details have been leaked, there is no way to get them back to being secret again. This threatens my ability to buy a house, buy a car, rent an apartment, or take out loans in case of an emergency ( like XXXX XXXX or XXXX ). In order to mitigate this for myself, I have to spend extra time and effort to monitor my credit, and will have to make sure to stay vigilant for the rest of my life. Their response to the breach was to offer 1 year of credit monitoring ( so, basically a free trial version ) to those affected, which signing up for their credit monitoring service would bind me to arbitration and prevent my participation in a class action 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 — 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: OK

Complaint narrative:
X/X/2017 learned that Equifax had a massive data breach that exposed name, DOB, address and SS numbers. Went to the company website to see if my data was stolen. The inquiry said it may have been compromised, the next link on the site was to get a free year of their data protection ( which is not nearly long enough ) but that did not tell me if my data was stolen, I have to wait 4 days to sign up and found out the terms included leaving to use arbitration instead of legal recourse in the court system. This is totally unacceptable, they should be required to let me know if my data was stolen.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax was hacked, exposing my personally identifiable 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: TX

Complaint narrative:
Equifax lost my information in their breach. In response I had to immediately put a freeze on all the credit reporting sites, which cost over {$30.00}, not counting the massive potential for use of my PII in financial or other matters and the time and effort it would take to resolve such issues.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax 's inadequate security caused a data breach that exposed sensitive information of millions of Americans. I appear to be among them. In my state, they charge {$10.00} to freeze my credit. The alternative is to sign up for their credit monitoring service which requires waiving my rights to participate in any class action that occurs in response. I feel it is unreasonable that I am forced to pay for a service that is only necessary because of their own mistakes.

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

Complaint narrative:
Equifax lost my personal information and millions of other people 's information. This has potential to be life altering due to their negligence, I never asked for them to take my information, however they did and failed to house it safely. They also only offer a third party hosted website to check on if your information is compromised, and will enter you to waive your right to arbitration if you do check. This is absolutely disgusting, as a consumer I fear for my livelihood.

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 improperly secured my private data and allowed hackers access to my name, address, birthday, social security number, and potentially my driver 's license number and credit card numbers. Hackers had access to their system from mid-XX/XX/XXXX through XXXX 2017, up until Equifax discovered the breach on XX/XX/XXXX. 

Equifax 's Press Release : 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
EQUIFAX DID NOT PROTECT MY PERSONAL INFORMATION SECURELY ENOUGH WHICH LED TO A HACKER GAINING ACCESS TO 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 reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax had a huge security breach that has now put all of my personal information at risk. They were aware this breach happened in XX/XX/XXXX and I was not notified personally that my information was at risk. Instead I had to find out in reports in XX/XX/XXXX that there was a breach, and take actions to protect myself. In order to due so I had to PAY money to have my credit frozen. To the same company that lost my information due to security negligence.

Company response to consumer: Closed with explanation