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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
" Potentially Impacted '' by the recent Equifax security breach

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

Complaint narrative:
Equifax mishandled my data, and now, due to extreme negligence on their part, that information and the information of 143,000,000 other people is available to whomever would want it. 

Further complicating this matter, Equifax knew about this breach well before notifying anyone. As this is the case, I do not know the date when this took place, and it may have  even occurred 3 months ago. 

Their website has determined that I am a victim of this breach, but they did not reach out to me, leaving me further vulnerable to this action.

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 's breach has put my information at risk and millions of others.

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: PA

Complaint narrative:
I am a part of the Equifax security breach and would like to file a complaint against Equifax. The following is the statement I received after entered my personal information on their website regarding the breach : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Sincerely, A XXXX XXXX American

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: IN

Complaint narrative:
On XXXX XXXX, XXXX I became aware of a data breach of personal and financial credit reporting information held by the Equifax credit reporting agency. Equifax was negligent in the handling of information of potentially millions of account holders, including myself. I verified that my data was breached using the reporting tool located at the following website : https : XXXX As a potential victim of identity theft and fraud due to negligence on the part of Equifax I want immediate resolution of this issue, including costs associated with freezing my credit for my own protection. 

I 'll also be filing a police report, as well as IRS Form XXXX.

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

Complaint narrative:
Equifax did not implement appropriate protections for consumer credit reports and their personal information. Information about the breach of public trust follows : " 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. ''

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: OR

Complaint narrative:
My personal data was compromised during the large security breach with equifax from XXXX to XXXX  2017, likely including personal info like SSN, 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: MT

Complaint narrative:
Equifax was breached and my information, according to the website, " may be impacted ''. They failed to disclose this in a timely matter and are leaving the protecting of my information in my hands rather than actively protecting their customers.

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: CO

Complaint narrative:
I am listed as a potential victim according to XXXX. Experian mishandled my information which put me and millions of other people at risk. The requirement of a police report is absurd if they know I have been affected. In addition, they did not notify victims quickly, nor did they notify everyone.

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:
Due to the recent Equifax breach, they failed to adequately secure my social security number driver 's license information, date of birth, address, and all other related information that someone would need to steal my identity. Equifax has breached over 100 million people 's trust due to their lack of care and security concerns. I am now faced with the consequences of their inability to adequately protect the information that they have in their files. At minimum we should be allowed to have our information deleted from the system. I am not going to suffer a potential Financial loss if someone uses my information as it has been confirmed my information was breached by Equifax. I will also suffer a loss due to me having to now pay for my credit reports to be monitored. I can not trust their systems.

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: NV

Complaint narrative:
Equifax Inc. suffered a cyberattack that affected 143 million U.S. customers with some people in other countries as well. I am one of those people. I visited www.equifaxsecurity2017.com and it said I was a potential victim. I feel they have mishandled my information and used it improperly by securing it in such a poor way. A major credit bureau should have an extreme detail to their cyber security and Equfax failed.

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:
On X/X/2017 Equifax disclosed a serious data leak. After using their potential check site, I am one of the  affected customers.

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 mishandled my information, which puts me ( along with about 143 million other US customers ) at risk. According to their website equifaxsecurity2017.com, I am listed as a potential victim of this breach, and I would like a resolution.

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

Complaint narrative:
Equifax did not take the proper precautions when storing consumer information, then waited six weeks after discovering the hack before informing the public. According to Equifax, I may have been affected by the incident. Equifax may have exposed my social security number, driver 's license number, and many other pieces of personally identifiable information without my consent.

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

Complaint narrative:
" Equifax mishandled 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: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I am reaching out to file a complaint against Transworld Systems collection agency. They say they are calling on behalf of XXXX. They call repeatedly throughout the week, sometimes several times a day. When you answer the phone they hang up. Then when you call back you either get someone 's personal cell phone and they have no idea who called you, OR, they tell you who they are and try to collect the debt. If they are so apt to collect the debt why do they continuously call and then hang up. They admitted they are on an auto dialing system. This is a highly in appropriate way to run a business. I get calls all hours of the day and night and on the weekends. When you do call back and talk to someone on the rare occasion you can not understand them because they speak extremely broken english. I would like to file a formal complaint for harassment against this company and make sure XXXX knows they are doing this to their patients.

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: MO

Complaint narrative:
Equifax had an ongoing breach and took a very long time to say anything. I was potentially impacted according to their website.

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 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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I had to be informed by the media and news that my information was compromised from Equifax rather than by the company itself. If I was not watching the media I would of not known that I was at risk. They mishandled my information which puts me and millions of other people at risk. The method of finding out even compromises my legal rights. I am a victim according to 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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has grossly mishandled mine and millions of others ' critical personal information and has put my identity and financial well-being at a huge risk of compromise. Equifax also took an inexcusable amount of time -- over a month -- to release information about such a disastrous breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX - 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 ... Some XXXX and XXXX residents were also affected. '' - 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 midXX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' - The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. ''

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX this year, ( XX/XX/XXXX), I received from XXXX XXXX XXXX a XXXX, cancellation of debt form, for {$XXXX}, which I filed with this year 's tax return and it was reported as income. XXXX XXXX  XXXX is still reporting to the credit bureaus that I have a balance of {$XXXX}, which is hurting my credit score and my ability to get credit cards or personal loans. I have filed disputes with XXXX, TransUnion, and XXXX, and have either uploaded the form XXXX, if possible, or sent a copy by US postal service to the addresses of the credit bureaus. With XXXX, I was able to upload the XXXX and as soon as they received it, I received an email from them, ( XX/XX/XXXX ), that they updated my credit report and made changes. Now they show the XXXX XXXX XXXX credit card account as having a {$0.00} balance and as being paid. My problem is with XXXX, TransUnion, and XXXX XXXX XXXX. XXXX and TransUnion wo n't budge, even with my supporting document ( XXXX ). XXXX told me over the phone the other day they received my dispute on XX/XX/XXXX and will send me the results of their investigation within 30 days. I feel it is unfair, and or illegal, that having to had report {$XXXX} to the IRS as income, they are still reporting it as the balance I owe 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:
Equifax did not sufficiently protect my records, and as a result they allowed a breach of their system that resulted in my private financial records entering the public domain

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:
Earlier this year ( 2017 ) my identity was stolen and the cause was unknown. In light of the recent news with Equifax and the breach of over 143 million SSN 's, according to the Equifax verification website, my SSN and my wife 's is impacted by the breach. 

I have had several un-authorized accounts opened in my name and have spent countless hours correcting these un-authorized activities. Presently, I am disputing an account with a collections agency that is currently pending. My credit has been frozen with Equifax and XXXX XXXX, but I have been unable to successfully freeze my credit with XXXX at this time.

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:
The Equifax breach has exposed my personal information to the public, leaving me vulnerable to scams, identity theft, and fraud, in addition to countless hours of work trying to mitigate the damage and protect myself, having to prove to creditors that my identity has been stolen, and further unpredictable hours of work and stress caused by this breach. 

Equifax should not have the opportunity to store any of my information without my permission. The entire concept of me having no say over who has my information and what they do with it runs counter to what I would like to think Americans believe is their right to privacy. It is already bad enough that we have no control over this practice ; the idea that the companies entrusted with this information are not competent is really a step too far. 

The US Government should immediately restrict Equifax and any of its subsidiaries from any access to Americans ' private information. Banks, who are sure to suffer immeasurable losses from fraud caused by this breach, should cease all relationships with Equifax. Finally, Equifax leadership should be stripped of power and held liable for the breach they did not work hard enough to prevent.

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: Advanced Call Center Technologies, LLC
State: GA

Complaint narrative:
I have a delinquent account. I have made previous arrangements to pay the balance. The first payment cleared in XXXX, 2017. 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 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: NY

Complaint narrative:
Equifax failed to protect 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax failed to take sufficient measures to protect my, and 150 million others, personal information resulting in electronic distribution to unknown entities and compromising my credit security for the entire foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was possibly impacted through 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am an individual who is potentially impacted by the Equifax credit bureau leak. This comes as the result of gross negligence and makes me a risk for identity theft for the coming decades. 

Operating a system that was easily defeated, after storing my name, address, DL #, CC # and SSN in  plain text is not only foolish, but dangerous and willfully negligent. In addition to this, the time delay of notification, as well as the corrupt affect checker is in serious breach of the law.

Company response to consumer: Closed with explanation