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: NY

Complaint narrative:
Equifax indicated that my personal information was likely involved in the recent breach to their systems. It does not immediately appear that there is any unexpected activity on my credit report, but to get the full reports I will have to access them by mail. I am also very concerned with the slow response to consumers as well as the ambiguous terms listed on the website they established for consumers to check whether their information was involved in the breach. It appeared to many until Equifax eventually made an announcement to clarify, that by checking for your involvement you were waiving your rights to class action lawsuits, and agreeing to arbitration to settle any issues raised by the breach. This ambiguity is unacceptable as it has led to many individuals expressing that they do not feel comfortable checking the safety of their personal information which Equifax was entrusted 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: CA

Complaint narrative:
Recently Equifax experienced a data breach and according to their records, my personal information was compromised. They are providing some services but the disclaimer attached to those services requires that I sign away my rights to involvement in any legal action that might be taken against them in the event that I suffer a lose or damage and would attempt to exercise my legal rights against them. I feel that this is not an appropriate action to take against consumers who have been harmed by Equifax 's failure to protect consumers ' information. 
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: CT

Complaint narrative:
Equifax gave me the message that my information may have been compromised in their most recent -- of multiple -- hacks. I went to get my 3 credit reports from the government website. The first would not give me it. The second -- XXXX -- has two CONSUMER REQUESTED inquiries from X/XX/17 and X/X/17 that I did not make. This concerns me and their tool for reporting an issue does n't have a section to report this type of issue. I believe anyone whose information was hacked in this should be given identity protection for far longer than 1 year as if you were a criminal with this information, you could simply wait 1 year and then do what you want with the information. This also means that verifying my identity with my financial institutions is a joke now because the information they use for that may have been leaked in this blatant disregard for data security. Why was this not salted and hashed? Why is it not mandatory that companies with this information do that? It 's not even a case where I or other consumers did something unintelligent. Instead, we have no control over the information Equifax has.

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:
They mishandled my information and according to their website I am a potential victim.

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 recently and I through their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) I was informed that I was affected. My social security number is no longer safe and potentially at risk.

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: OR

Complaint narrative:
Re : Equifax Cybersecurity Failure 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 2017-09-09 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:
Through gross negligence regarding basic computer security standards, Equifax managed to reveal my personal information to hackers and potential malicious actors. Not only did it take them over a month to detect the breach on their own, it also took them a long time ( months ) to report the problem to the public. They have acted irresponsibly in informing the public, as I had to hear about the breach on the news rather than being informed by Equifax.

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: CO

Complaint narrative:
My personal information was leaked from the recent Equifax security breach. The breach was reported to have happened back in XX/XX/XXXX. One of my credit cards, XXXX XXXX, already had fraudulent charges placed on it yesterday ( Thursday, XX/XX/XXXX ). I 've already contacted XXXX XXXX and took the necessary action to revolve it with XXXX XXXX. However, I 'm very concern that I 'm a target for further identity theft attempts.

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, through poor Internet security, allowed my personal, private information to be compromised. I am extremely dissatisfied by the fact that I have no input on whether my information is provided to Equifax or not when I apply for a loan or credit. I am extremely dissatisfied by the fact that Equifax does not have acceptable security for this sort of threat. I would like to express my dissatisfaction about the fact that Equifax waited over a month before expressing information that they were hacked. I would like to express my discontent that Equifax did not inform me IN ANY WAY and I had to rely on the media to tell me that I was in danger. I would like to express my frustration at being forcibly opted into a service that does not protect my information, that is required to participate in society ( through needing credit ). There is not recompense ( that I can think of ) that Equifax can provide that will alleviate the lifelong trust issues that I will now suffer because of this hack. I implore Equifax to attempt to regain the trust of the public, and me, by making things right. I demand credit monitoring ( for life ) and a personal guarantee that my ( supposedly ) secure information will be safe and protected. As a company that requires and stores my secure data, I expect a high level of security. This has not been provided. I request recompense for your transgressions and short-sighted decisions. Please fix the errors and frustrations that you have inflicted upon your ( often unwilling ) consumers.

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: VA

Complaint narrative:
As of XX/XX/XXXX I have been notified that I am among those impacted by the equifax databreach.

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: TN

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 2017-09-09 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 on XXXX XXXX, 2017 due to not having proper security on their website which has the personal info of millions of people. Apart from that, they set up a website in order to check if your information was compromised and have the nerve to tell you to sign up for their premium services. Such services will disqualify you from seeking any type of compensation for this colossal mistake on their part. They mishandled sensitive information and now want customers to sign up for an extra service, even if the first year is free, it 's insulting.

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:
The credit reporting agency, Equifax, announced on XX/XX/XXXX that a hack has impacted my credit history

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:
Between XXXX-XXXX 2017, my credit report was improperly handled by Equifax and was one of the 100+ million people affected by this breach. The actions by several of their managers ( selling their company stock without proper disclosure before the news went public ) shows they have no urgency to make this right. They are seeking to limit their liability and taking no steps to help customers.

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:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social  security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if  it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

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: NJ

Complaint narrative:
Used XXXX XXXX and other financial/credit sites that utilized Equifax, found out my PHI was possibly compromised. Placed a temporary hold on my credit, concerned what will happen once the hold is over.

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: KY

Complaint narrative:
In or around XX/XX/XXXX, the credit reporting agency Equifax was the target of a massive data breach. As a result, the data of approximately 143 million Americans was improperly allowed to be accessed by malicious 3rd parties. 

Upon being notified of this breach by various media reports on XX/XX/XXXX I checked to see if I was impacted on the website provided by Equifax. According to their system I was indeed subject to that breach. I immediately placed a fraud alert in my account. Additionally I attempted to place a security freeze on my credit only to find that this would cost me {$80.00} between my spouse and myself in order to cover all 4 credit reporting agencies, a fee that I consider burdensome considering that it was Equifax that allowed their system to be breached and I as a consumer did not elect to use the services of this company. 

I have reached out to Equifax to no avail.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Late reports need to be removed Accounts Ever Late 2 Also the enquiries need to be removed XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Account Type Installment Loan Date Opened XX/XX/XXXX

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 financial information and neglected to implement proper security functions in their data storage. The data breach announced on XXXX XXXX, 2017 likely included my information. 

Nothing has been done by Equifax to notify me personally. It was announced publicly over a month after it was detected, and nothing was done to indicate who may be affected. I only learned about the breach and potential remedies through social media. 

As a credit reporting service, Equifax automatically and unavoidably has access to much of my personal information. Since credit reports are required for most major personal life actions, individual consumers have zero market power over these credit reporting companies. Thus there is nothing that can be done practically to keep this from happening again, both personally and as a nation.

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:
This complaint is regarding the recent Equifax Security Breach that I was made aware of in news media on XXXX XXXX, 2017. My understanding of the situation is that " hackers '' compromised the Equifax systems, potentially exposing personal financial and other information ( including social security numbers, credit card information, and other personal details ) for a large number of people. I used the feature on the Equifax website ( https : //www.equifaxsecurity2017.com ) on this same day which informed me that " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am not satisfied with this outcome, as it provides no actionable information to inform me of my vulnerability or to protect my financial and identity information. I have also placed a fraud alert on my credit monitoring.

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: CT

Complaint narrative:
Equifax mishandled my personal information which has led to a breach that puts myself and the majority of Americans at potential risk. 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 the news. 

As a result of this security breach, 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. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

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:
Equifax, on XX/XX/XXXX, exposed my Personally Identifiable Information without my permission during a cyber attack. They did n't address the issue with any of their customers ( including me ), until XX/XX/XXXX.

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:
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 2017-09-09 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: GA

Complaint narrative:
My information was compromised in the Equifax hack onXX/XX/XXXX. I do not yet know how this hack will effect me. I do not know what should be done, but this CAN NOT happen again. Equifax, XXXX, and XXXX should have the best security available. This is completely unacceptable.

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:
Recently Equifax reported a hack that compromised the personal information of some 148 million people, me included. This hack went undisclosed to the public for almost a month leaving all those people vulnerable to identity theft as they were unaware and likely did not take steps to protect themselves. The fact that they waited so long to inform the public is extremely negligent.

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: NY

Complaint narrative:
On X/X/2017 I checked Equifax 's equifaxsecurity2017.com site to see if my personal information was compromised by this year 's cybersecurity breach. The website told me, " based on the information provided, we believe that your personal information may have been impacted by this incident. '' With access to my personal information that I believed to be secure in the hands of Equifax, I am worried that I am now at risk of identity fraud/theft and have had to go out of my way to place alerts on my file. Why was I not notified of this? I believe, as a consumer, the information we entrust credit reporters with should be treated with the utmost security and respect, and we should be notified immediately if it is compromised. Instead, I did not know my identity was at risk until I read the news.
Also, when checking the website, they attempted to convince me to sign up for a service which is publicly known for containing an arbitration clause. I find it outrageous Equifax expects us to waive our legal rights after this has happened.

Company response to consumer: Closed with explanation