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

Complaint narrative:
Equifax has had a major data breach which released potentially 143 Million people 's personal credit and financial data to a person or group of hackers, in an unencrypted, plaintext format. Checking on their own " are you affected '' site ( https : //www.equifaxsecurity2017.com ), it states that I may be affected by the breach. They then offer an Identity protection service, of which they mandate that you opt out of any potential future legal action in the terms of service. 

Also, when attempting to check what data they had through XXXX, I was told their " system was down for maintenance '' and I could not access that Federally Mandated data. I have already submitted a complaint about that to the XXXX contact page. 

Now my data is exposed, in plaintext, for sale to the highest bidder on the darkweb, and I ca n't even access the data that supposedly the hackers got, much less are guaranteed any kind of security in the future.

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: CA

Complaint narrative:
Equifax was hacked and my personal credit information is now available to black market hackers.

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:
According to Equifax, they have allowed my personal credit reporting information to be obtained by an unauthorized third party as a result of insufficient security protocols/procedures.

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:
My personal information was included in the list of potentially stolen information from the Equifax hack revealed in XXXX 2017. They have offered access to additional credit protection services.

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: CA

Complaint narrative:
My entire life is tied to my social security number which was handled with improper care by Equifax. I consider thier negligence which lead to this breech to be pretty serious. Equifax has no business handling confidential information and I had no choice in giving them my most crucial personal information in order to be part of society to begin with.

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 mishandled my personal information which has led to a breach that puts myself and millions of others at risk of identity theft and credit fraud. I am extremely disappointed with how Equifax has handled the 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 from Equifax despite their knowledge of the data breach since late XX/XX/XXXX, and instead am just now learning about it in the news, on XXXX XXXX, 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 repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: AP

Complaint narrative:
Sensitive information was divulged without permission due to hack. Company ( Equifax ) internal security is flawed and inadequate leading to breach. I am currently in military active-duty stationed in XXXX XXXX and TrustedID credit monitoring service for 1 year does not seem adequate ; also terms of service limiting future legal rights/arbitration seems unethical and unfair.

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: WY

Complaint narrative:
Equifax should have offered protection without trying to hide a waiver of my ability to pursue legal action.

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: MN

Complaint narrative:
My personal data appears to be compromised because of the cyberattack on Equifax Inc. as confirmed by their service that checks for this ( www.equifaxsecurity2017.com ). I have never worked with Equifax directly, so I do n't even really know why they have my data, but that does n't matter now I guess. I do not know the full extent of what happened to my data, I am currently unable to view my credit report ( XXXX gave me an error when I tried to get my report and said to try again later ). This breach of my personal data is unacceptable and puts me at serious risk for identity theft and probably more.

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 has recently divulged my information without my consent to an unknown number of people and/or companies. This information includes but is not limited to : Full Name, SSN, Date of Birth, Current and Past Address, and Credit Card Numbers. This has resulted in fraudulent information appearing on my credit report.
I have taken put an Initial Fraud Alert and a Security Freeze on my identity.
To my knowledge, Equifax has offered to help consumers determine if they 've been affected but try to force consumers to wave arbitration if they choose to check if they been impacted.

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 was hacked on Thursday. 

On Friday, I checked to see whether or not I have been affected by the hack. Equifax has demanded that I wait until XXXX to get protection from a threat of identity theft caused by their mistakes. 

Not only this, but if I were to sign up for their protection, they demand that I waive the right to litigate against them ( again for their mistakes XXXX. 

It seems to me that while Equifax has been hit hard by this crisis, the fact that they are not willing to own up to consumers even remotely and are ill equipped to protect them makes Equifax primarily responsible in this case.

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:
Private information in my credit report has been released into the public realm from Equifax without my permission. I subsequently placed a freeze on my credit report, and was charged to do so by Equifax ( I was required to pay for the freeze with a credit card. ) I feel the freeze should have been placed with no charge since my data was compromised by their own admission.

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:
this is regarding the Equifax hack that included my info, confirmed per their website. It is unacceptable that they were hacked and didnt notify the affected personal till month after the fact.

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

Complaint narrative:
Equifax has been hacked and their site indicates that my information was open on the Equifax computers to the hackers. This happened in XXXX and I just was aware of this BY NEWS REPORTS yesterday, XXXX XXXX. It has been reported that officers/executives at Equifax dumped their stocks when they found out about it in XXXX. Equifax has betrayed a public trust and should not be allowed to function ... put them out of business since they are not acting in good faith. Little people, like me, have had our security compromised by their XXXX Equifax 's ) lack of professional standards. The hackers can hold onto our info for some time before " cashing in '' on small folks like us ... .so now my meager finances are at risk FOREVER. I am a senior living on a pension and can not afford to take a financial hit. There must be a penalty imposed on Equifax for their disregard for our financial safety.

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: CA

Complaint narrative:
My complaint is against Equifax for improperly protecting my information during their recent breach. As a consumer I expect that my personal information should remain private and a company who monitors my information should be held responsible for failing to protect my private secure information ( SSN, Name, DOB, Address, Credit rating and current accounts ).
On X/X/17 I got confirmation from equifax website that my information was potentially compromised in their recent hack. 

This company was looking to avoid class action lawsuit by making me opt out of any litigation just to get assistance. This is unfortunate and I will not be opting for their credit protection service. If they ca n't protect my information now I do not trust them to do so in the future.

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:
It was announced XX/XX/XXXX that there was unauthorized access to data controlled by Equifax from mid XX/XX/XXXX through XX/XX/XXXX. Rather than contact people individually and personally, we found out via a press release, and had to verify our identity through their own site to find out if we were affected. I checked today ( XX/XX/XXXX ), and I 'm on the list of potential victims, where my SSN, license number, addresses, and birthday are compromised. That 's more than enough information to allow someone to open new lines of credit in my name, or otherwise compromise my financial standing. The company 's resolution to this is to enroll with their TrustedID partner for protection and monitoring, but the service only lasts for one year. My information can be used for significantly longer than a year, however, as my social security number can not be easily changed without identity theft having occurred, changing my name would be silly, my birthday ca n't be changed, and my addresses are impractical to change. This service is not free after the first year, and we also can not enroll immediately- we 're assigned a day that we can enroll, and mine is n't until the XX/XX/XXXX. We 're also given information on freezing our credit reports, but that 's not free unless you 're already a victim of identity theft.

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:
My information was released along with that of many other consumers in the Equifax hack, putting me at risk for identity theft.

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:
I am among those that had their identity stolen due to equifax 's lax cyber security. I checked on the website they provided for this incident and I was listed among the potential victims. 
Even the website they provided for checking to see if my data had been compromised showed several signs of ignoring standard web security protocols. 
I fee that equifax is liable for this data breach because they did not even follow what would be considered standard security procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I contacted Chase on XX/XX/XXXX after receiving a XXXX for tax year XXXX for a principle forgiveness. I spoke to XXXX XXXX to inquire as to why I was receiving another XXXX in XX/XX/XXXX when I had already filed my taxes in XXXX. Also, I was responsible for claiming the full {$24000.00} but the deferment is in increments of {$8100.00} for a total of three years. I stated I 'd only received one deferment so why did n't the XXXX reflect the amount allocated to me. I was transferred to XXXX in the mortgage department who transferred me to XXXX XXXX in Servicing Escalation department at XXXX XXXX. I was transferred at XXXX XXXX to Default Modification Escalation Department  where a case # XXXX was created to address my concern. I was advised I would receive a call back in 48 hours to no avail. I contact Chase on XX/XX/XXXX at XXXX XXXX and spoke to XXXX Escalation Supervisor regarding the case for my XXXX, if it would be changed to reflect the correct amount, or if they 'll take the full amount off the principle immediately. I informed her my next anniversary is in XX/XX/XXXX for the second payment to be applied to the principle. She denoted she was waiting on a follow-up request from the back end department and some one would call me back. I received a call back from XXXX XXXX from the escalation department at XXXX XXXX. He opened up another case XXXX with the back end department and they were the ones to send over discharge information to the IRS but will see how they wish to proceed. I 'd receive a call in 7-10 days. I contacted Chase on  XX/XX/XXXX at XXXX because I had not received a response and spoke to XXXX in the escalation department. She read XXXX notes which stated that the IRS request the full discharge amount to be applied during the year the modification was initiated. I expressed my dissatisfaction with the explanation because I 've filed taxes for the full amount and could possibly default but have n't and they 've sent the information to the IRS. It does n't make sense. Will I receive another XXXX for XX/XX/XXXX  & XX/XX/XXXX? Will the amounts be at XXXX is the question I proposed to XXXX? I was suppose to receive a call back by XX/XX/XXXX with a response and have not received a call.

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 — Other personal consumer report
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 name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

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: CA

Complaint narrative:
I heard about the Equifax hack and was immediately worried. Today, XX/XX/XXXX I checked with Equifax 's new site used for people to see if they are impacted by the recent Equifax hack. I have confirmed that I am affected by the Equifax hack. 

I have not received any notification from Equifax and I find it absurd that I had to hear about this on the news. Now, I can not view my credit report as the service is not able to pull my credit report. I can not see if there have been any credit fraud.

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 did n't properly secure sensitive data of unconsenting adults.

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

Complaint narrative:
Today XXXX I found out that Equifax info was stolen over a month ago and they are just now telling consumers. It is unacceptable that Equifax waited for over a month before notifying the public that this happened. 

I followed the link provided by Equifax and by submitting my info, found out that yes, my info was potentially exposed. Equifax told me to return to the website on XXXX to provide more info. They also told me to remember that date, because they would not be sending me any reminders. 

My complaint is this. 
1 ) why is the onus on me the consumer to look up and see if I am affected? They already know who is affected and they should act on that info 2 ) now that I know I 'm affected, why do I have to initiate anything? They should automatically turn on whatever free credit monitoring service that are offering 3 ) why do I the consumer have to remember to go back to their website to complete the process? 

All of this should be taken care of by them, Equifax, without me having to ask, without me having to remember, without me having to complete a multi part process. 

Thank you

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: IN

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.

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:
My information was stolen in the Equifax security breach that occurred XXXX-XXXX 2017. I was not informed of this breach until early XX/XX/XXXX, and had to find out via website set up by Equifax rather than being notified of this directly ( www.equifaxsecurity2017.com ). Having to check via the website would not be as much of an issue if the website ITSELF was n't unsecured. It is a stock XXXX  installation ( definitely not high enough grade of security ) with a TLS certificate that did not provide proper revocation checks. The domain name was n't even originally registered to Equifax. The website was even flagged by XXXX ( owned by XXXX ) as being a suspected phishing threat because it is so insecure! 

So in order to find out if my information was stolen, I have to supply personal information to an insecure website set up by the very company whose insecure practices led to my information being stolen in the first place. 

Finally -- I have set up security freezes on all my credit reports. But I had to pay Equifax for the security freeze I need due to Equifax ITSELF losing my information. Furthermore, while I was issued the PIN, anyone who has my stolen information could call Equifax and claim they lost it because one can get the security freeze on my Equifax report lifted without the PIN using the very information stolen from Equifax. 

Essentially, Equifax has not only enabled my information to be stolen, but its procedures for dealing with the issue are themselves compromised by more examples of Equifax 's poor security practices.

Company response to consumer: Closed with explanation