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: NC

Complaint narrative:
Equifax has confirmed that my personal information has likely been leaked, along with millions of others via their website http : XXXX They have mishandled my information causing a potential identity theft situation. This needs to be resolved.

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:
In short - Equifax was hacked, and as a result my personal information is likely stolen. 
as suggested, i went to https : XXXX, and entered my personal information. the response was " Based on the information provided, we believe that your personal information may have been impacted by this incident ''. 

Equifax failed miserably at its job to protect my very personal information and as a result, i 'm not the potential target of identify theft ( assuming that did n't already happen ).

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:
I learned today that Equifax was responsible for leaking my information to parties that were not given consent to have that information. This information includes my name, address, date of birth, social security number, and everything else needed to make charges on my accounts, open new accounts, or to steal my identity. When using their tool to find out whether my information could be compromised, they tried to make me sign away my ability sue them either individually or in a class action lawsuit in order to ascertain whether MY information was compromised. I view all of the above, and especially the latter, to be egregious in nature, especially since they knew my information was at risk for the last three months and only just released this information to the public recently, and made sure to cover themselves before their responsibility to those who they serve.

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: MD

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: ID

Complaint narrative:
Equifax did not take proper precautions to secure my credit file in the event of a security breach. A security breach occurred on XXXX XXXX, XXXX and the public was not informed until XXXX XXXX, XXXX. Equifax needs to be punished for their clear negligence in keeping these records safe.

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:
According to equifaxsecurity2017.com, my personal information, potentially including name, birth date, address, driver 's license number, social security number, and credit card numbers, were publically disseminated by Equifax due to their extreme negligence. It is egregious that they did not take even the simplest security precautions to protect my information. This happened as early as XXXX and I was not notified until XXXX. Everything about this situation is entirely unacceptable.

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:
Myself and millions of americans were victimised by the recent cyberattack on equifax. I am listed as a potential victim according to equifax 's XXXX. This exposes me and millions of americans to identity theft.

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: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Data breach by malicious parties and personal information stolen for myself and millions more was announced on XXXX. Breach occurred in the XXXX - XXXX time-frame and was discovered XXXX XXXX. Interesting that it took a month to come clean about this. 

Information that came out says this was a simple hack that could have been prevented by adequate security. Since that was not in place and instead an easily hacked system that I can only assume was used to shave a few dollars off the IT budget. 

Since my private information is now up on the dark web or in a torrent I will always need to use credit monitoring and other measures until the day I die. This will affect my ability to pay my rent or own a home, purchase a car, obtain legitimate credit, my medical expenses and of course other consequences I have now way of predicting. 

We have put trust in financial corporations to keep our private information safe. Shirking your responsibilities to the consumer in the most catastrophic way possible is not the way to do that. 

The pursuit of profit may be all consuming but remember you need consumers to use your goods and services, treating them with this level of disdain for their financial security is unacceptable. There are people who 's lives will be destroyed by this. Actual flesh and blood people who are doing everything they can to survive in this rigged game. Meanwhile 'you ' will likely get a bail out.

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: ME

Complaint narrative:
I checked to see if I was on the equifaxbreach2017.com website, and I am. 
This is a gross mishandling of my information, I have placed trust in them to protect my personally identifiable information, and now I am at risk for Identity Theft a second time. The first time was through Office of Personnel Management.
This is bad news for myself and millions of other consumers. As a direct result, there should not be a fee, waiver or police report required to freeze my credit, and I should be able to choose how long I want to freeze it for. 

I found out about this breach through a third party, and find it incorrigible that not everyone will be notified or in a timely manner. 

Regards, One of 143,000,000+

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:
My information was mishandled by Experian, myself and millions of other people at risk by their security breach. I am listed as a potential victim according to their XXXX website, and would like a resolution.

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

Complaint narrative:
On XX/XX/XXXX I viewed a report that Equifax had not protected consumer information and was victim to a cyber attack. Using the website XXXX I was informed that my information was subject in this attack. Equifax should not have allowed my information to be gathered as I will now be subject to identify fraud and identity crimes.

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: AZ

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. Internal Equfax executives on the other hand decided to cash out Equifax stock days before it went public, as further insult to injury.

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:
Equifax was compromised and therefore my private data has been leaked onto the internet. People can now steal my identity.

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: OR

Complaint narrative:
Equifax recently suffered a massive data breach and did nothing to personally notify it 's potential victims. I only found out about the incident after I saw a news article about it. Equifax 's solution is to offer a single year of free credit monitoring, but if you sign up for it, you lose your right to a class action lawsuit against the company.
I was affected by this breach and I am extremely displeased at how they are managing this situation.

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I opened an account with XXXX on XX/XX/XXXX and the account was charged off several years ago, the account has since shown up on my credit and the debt company is trying to recollect funds and showing this a charge off in XX/XX/XXXX. I have not had any contact, signed or borrowed anything from XXXX since at least XX/XX/XXXX at best guess making this account at least 17 years past charge off! This needs to be removed from my account.

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: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I opened an account with XXXX on XX/XX/XXXX and the account was charged off several years ago, the account has since shown up on my credit and the debt company is trying to recollect funds and showing this a charge off in XX/XX/XXXX. I have not had any contact, signed or borrowed anything from XXXX since at least XX/XX/XXXX at best guess making this account at least 17 years past charge off! This needs to be removed from my account.

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: AR

Complaint narrative:
The Equifax data breach on XXXX/XXXX/XXXX released my data to unknown people and putting my personal information in jeopardy.

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 was hacked, my personal information is 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: FL

Complaint narrative:
On XX/XX/XXXX Equifax was hacked and lost roughly half the country 's social security numbers and other personal details, and then waited over a month to announce this publicly. 

I went on their website after it was announced yesterday and checked and it appears my details were leaked. For this gross negligence and mishandling of my and millions of other people 's details they are offering one miniscule year of credit monitoring, which is idiotic considering years from now this could still cause me problems. 

I want government intervention and this miserable company as well as all their CEO 's and its executives held to justice for the gross negligence exhibited by the company.

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: NV

Complaint narrative:
My information was hacked thru the equifax 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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

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 of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax was breached and all they are offering me is better fraud detection. My information can now be sold like an amenity. This is unacceptable.

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 security breach potentially exposed my credit information according to equifaxsecurity2017.com

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
It behooves me as to why I am showing a missed payment when I speak to Capital One I am told that I missed the date it was supposed to be paid on and it is out of their hands and only the credit agencies can make that call. When I speak to the credit agencies I am told they only report what they are given. I have been going in circles for weeks on this and dont know where to turn, I do not feel that this blemish on my record should be there at all and I am requesting you look at the facts and remove it. My credit has dropped over 50 points because of this inaccuracy.
I was never 30 days late as you can clearly see.
I have attached the record of my payments and while I did not pay on the exact date it was never 30 days late.
Please let me know how to proceed and if you can just remove this incorrect error on the part of the credit card company.
I dont know how they can report me as thirty days late if I was not.
Please see the payment history of the card in question, this was copied and pasted from my bill pay.
Deliver by Paid to Amount Confirmation No. Paid from Status Category Date due XX/XX/XXXX Capital One {$130.00} XXXX SHARE DRAFT Complete credit card Due XX/XX/XXXXXX/XX/XXXX Capital One {$120.00} XXXX SHARE DRAFT Complete credit card Due XX/XX/XXXXXX/XX/XXXX Capital One {$90.00} XXXX SHARE DRAFT Complete credit card Due XX/XX/XXXX 20 days late not 30 Due to death in familyXX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized Due XX/XX/XXXXXX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized Due XX/XX/XXXX XX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized DueXX/XX/XXXX XX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized Due 12/20

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: WI

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
Equifax data breech on X/X/2017. My sensitive personal data was compromised.

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 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: VA

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

Complaint narrative:
Equifax was recently hacked and I 've been told that I may be a potential victim of the data breach. Equifax did not proactively inform myself or other victims about the breach. I was able to use a tool to find out if I was affected after reading a news report that directed me to the tool.

Company response to consumer: Closed with explanation