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: NY

Complaint narrative:
I have been impacted by Equifax 's recent security breach, and I believe the company has demonstrated gross negligence in the management of my personal data putting me and hundreds of thousands of other US citizens at risk. I am listed as being impacted by the security breach on Equifax 's equifaxsecurity2017.com website. Additionally, the company was negligent in it 's response to this security breach, and did not notify those impacted by this breach quickly enough and admit that they will not notify everyone.

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: HI

Complaint narrative:
Equifax breach of 143m consumers ' data, including myself

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: AZ

Complaint narrative:
According to Equifax, my information was compromised in the latest security breech. I know must worry about identify theft forever.

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 www.equifaxsecurity2017.com I was one of the 143 million consumers to have my information stolen due to the cyberattack on Equifax. As I understand it, I am now at risk for having my identity stolen and I have had to put a 90-day fraud alert on my credit file.

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:
Hack compromised my personal data via Equifax, verified by their page setup to see if consumers had been impacted.
After submitting my information, I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

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

Complaint narrative:
Equifax mishandled my credit information and because of their breach I am now listed as a potential victim according to their equifaxsecurity2017.com website.
To save money, the company has not properly placed the security measures necessary to handle the sensitive credit information they hold, and their actions have harmed 137 million people. Their executives were reportedly aware of the breach and chose not to report it to the public, and instead elected to sell a significant amount of their shares outside of 10b5-1 scheduled trading plans just days after the breach. They need to be investigated for insider trading and face prison time.
I am being offered to enroll in their complimentary identity theft protection for one year, however the magnitude of this incident may affect me for many years to come, if not forever. I would like a resolution on this matter.

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 has egregiously misused all of my personal data, with beyond poor security standards. Credit monitoring service is essentially a joke unless it is made permanent, a more appropriate response would be to facilitate changing all of the associated information where possible - though this is clearly not reasonable for most people. 

This refers to the recent breach, which was known of in XX/XX/XXXX, but just notified X/X/2017. This also is a major issue - I should have known sooner. I have placed an inital alert, though I am unsure if I should participate in their " service '' as there is an unclear class action waiver attached.

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 exposed my credit information during the cyber attack announced on XXXX XXXX, 2017. I 'm extremely concerned about this breach and their response to it. They 've recommended that those who have been exposed should register on a new website ( not a subdomain of their website ) and enroll in their TrustedID Premier program. What is not made clear, is that those who enroll relinquish their right to participate in a class action lawsuit. They are using fear to reduce their risk of litigation and have left a massive number of people vulnerable to fraud.

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: OH

Complaint narrative:
Equifax hack. My identity info was stolen and they knew about it. Plaintext files are you kidding

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 leaked my credit data despite the fact that I am not a customer of theirs- I would never use them if I had any say in the matter and now I am having to take special precautions to ensure my identity does not get stolen. And they knew about it for TWO MONTHS before they notified us.

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:
I am listed as a potential victim according to the equifaxsecurity2017.com website, and would like a resolution. My information was compromised due to poor security on Equifax 's part.

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:
Experian was hacked. And am one of the people affected.

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:
Equifax allowed my personal data to be breached due to their own negligence regarding security.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax security breach took far too long to be made public, my record is indicated as 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: NY

Complaint narrative:
I am part of the large % of American Citizens that 'may have been impacted ' by Equifax 147m person data breach.
This is a massive dereliction of responsibility ( legally and professionally ) to encrypt, protect, and secure PII data for over half of the population of the US. Additionally, their response has been comically limited to offering me a limited time offer of 'free ' identity theft monitoring services for 1 year. This is ridiculous on 2 fronts : 1 ) It 's only 1 year and they 've publicly offering it. Identity Theft attackers will just sit on this data for 1 year before leveraging it in anticipation. It 's a band-aid on a bullet wound 2 ) It becomes a paid product after 12 months. I am essentially opting in to being actively marketed and sold to because of their incompetence. My choice to not purchase this product has been removed because of their incompetence.
There are multiple ways I can defend myself without their shoddy marketing efforts, including putting a 90 day initial fraud alert on my account, requesting and disputing my credit report, and offering FREE credit/security freezing set up for their Bureau. The fact they do n't highlight any of these solutions and how they may protect me is laughable.
When faced with a major data breach, they punt on providing actionable advice to consumers and instead use it as a marketing opportunity. It 's disingenuous, thoughtless, and borderline criminal to sell their snake-oil in the face of a major Identity Theft 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: OR

Complaint narrative:
Equifax failed to adequately protect my information in the event of a known vulnerability and breach. They did not adequately notify me of a problem. My data was compromised and is potentially available to criminals to use my credit information and personal data to harm 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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was listed as a victim of the XXXX Equifax data security breach in which my personal identity information was made public and stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This Past week XX/XX/XXXX, Equifax was hacked and over 145 million social security numbers have been exposed in this attack. My account was potentially affected and wanted to submit this complaint against Equifax.

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: IL

Complaint narrative:
Equifax got hacked and all the data they had on me has been stolen. Their cybersecurity practices are abysmal and could cause great harm to me and my family for years to come.

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 Inc. said its systems were struck by a cyberattack in 2017 that affected my personal credit information. Intruders had access to my name, Social Security number, birth date, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I sent a letter asking Experian to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from Experian. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$59.00} XXXX XXXX  {$280.00} XX/XX/XXXX

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian credit bureau mishandled my information and allowed me to become a potential victim of identity theft. When i check on the website it told me my information was part of the leak that occurred in XXXX of 2017.

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 mishandled my information by allowing access to mine and 209,000 other persons ' financial information without authorization and failed to report it for several months. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

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

Complaint narrative:
Equifax mishandled my information and has now put me at risk of identity theft. Their website shows that my information was included in the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
This is regarding the Equifax 's 143 million accounts hack issue. I checked my details on the given website ( https : //www.equifaxsecurity2017.com ) and received the following message " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

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

Complaint narrative:
I never directly did business with Equifax and yet they have all of my personal information. 

They then did not take reasonable steps to protect that information from cyberattacks. 
When they learned of the problem, they hid it from investors while they let executives dump their stock. 

There is no way to undo this damage. Once your information is stolen, you can never recover it. It will mean that I will need to pay for credit monitor and identity theft protection for the rest of my life. 

I will also be the target of other scams and potential blackmail because of a company that I had no direct business relationship with whatsoever.

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 guess I MAY Have been impacted by the Equifax security breach. however, on their website, they do n't directly tell you if you actually have, it just says you may have been affected. so I sign up for their free credit monitoring program, but I get no information on that either. if 's not very informative when they just gave away so much of my info and do n't provide me with any info to try to help keep myself and my husband safe from future problems.

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:
Victim of Equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX XXXX XXXX says they will not modify my mortgage because of my negative NPV. Their valuation of my house is too high and it is incorrect. My house is not worth the amount they claim its worth.They claim that I have a substantial equity in my house and that is not true.They refuse to modify my loan saying " IT IS NOT IN YOUR BEST INTEREST ''.
I want to stay in my house that I am raising my XXXX kids in. I have lived in this house for 12 years. I am a single mom constantly bettering our lives, constantly looking for a better paying job.
At my current job I got a raise and Wells Fargo is not willing to Re-Enter me into the modification process because they say that my Sale Date/Auction is within 38 days.
My sale date is XXXX XXXX, 2017.
I know for a fact that my new income will alter the negative NPV.
The new income and the house valuation error would definitely change the outcome of the NPV.
Wells Fargo is not willing to work with me quoting the ridiculous rule of being too close to the Sale Date.
I should be able to prove my case and save my house up to the very last day before the Sale Date. In my opinion Wells Fargo does not want to work with me because it is more beneficial for them to take my house away from me and sell it for profit than to work with me.

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 mishandled my information and allowed my sensitive personal details to be stolen by hackers. I am listed as a potential victim according to their equifaxsecurity2017.com 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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal info was breached via Equifax according to www.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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was one of the people affected by the 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: 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 failed to keep secure my personal information, exposing me to a significant risk of identity theft. They took over a month to notify the public of this breach, further exposing myself and millions of others who did not know of the risk, and during which time the executives sold off shares of Equifax in a clear case of insider trading. 

This is a massive breach of public trust. Further, the terms they 've created for their offer of compensation -- free credit monitoring for a year -- is riddled with unacceptable language granting Equifax amnesty and removing the right to sue of any injured party who accepts this service -- which they should be by law required to provide without reservations or waivers of any sort.

Company response to consumer: Closed with explanation