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: CA

Complaint narrative:
On XXXX XXXX, 2017, Equifax disclosed my personal information as part of a data breach. 

According to Equifax most of the consumer information breached includes names, Social Security numbers, birth dates, addresses, and in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 consumers and certain dispute documents, which included personal identifying information, for approximately 182,000 consumers were accessed.

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:
I have been listed as pontentially impacted by the Equifax security breach where they were hacked and private information has been leaked. I do not take kindly to my information being leaked or possibly leaked. It 's completely unprofessional to have weak security with regard to such vital information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company
State: CA

Complaint narrative:
Credit report showed this company had placed my 'account ' in collection status. I was never notified of any letters/documents that pertained to this 'owed amount '. Below is what appeared on my credit report. 


Collection Accounts Collection Accounts Accounts in collection status FOCUS MGMT  Condition : Open Date Opened XXXX Balance {$190.00} Type : unknown Pay Status : Collection/Chargeoff

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I received an email from Coinbase advising me that my account had participated in " unauthorized transactions, '' and that they were forcing my account to close. I was directed to transfer funds away from my Coinbase account. I transferred BTC and ETH balances, but the USD balance is unable to be transferred because I have n't added a bank account to my profile. The system will not allow me to add a bank account because it is forcing the closure. I have submitted a ticket with Coinbase ( a month  ago, with no response ), and the automated system for " self-help '' does not address this issue. I have USD sitting in this account which they will not release to me, or even acknowledge.

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: WI

Complaint narrative:
Equifax was hacked and my EPI may now be in the public domain.

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 potential impact check has informed me that I may have been one of the affected personnel from the credit reporting breach of 2017. Was informed around XX/XX/XXXX, the breach apparently occurred several months prior : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Can not get confirmation one way or another that if I enroll in XXXX XXXX, that I would opt-out of any arbitration rights due to this breach. 

Applied for 90 day monitoring through 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: MI

Complaint narrative:
Today, XXXX XXXX, 2017 I became aware of the recent Equifax Security Breach. My identify appears to be affected by this breach based on checking www.equifaxsecurity2017.com though I did not sign up for their service. This is distressing and unacceptable as my information was divulged without my consent and opens me up to potential security risks such as identity theft.

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

Complaint narrative:
My personal information was compromised in the hacking of 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: NY

Complaint narrative:
It seems my information might have been stolen in the Equifax security breach. I 've put a 90 day fraud alert on my credit file, as instructed by resources online. This has been a frightening and inconvenient situation.

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:
Equifax systems were victims of a cyberattack which has affected 143 million US customers of the credit reporting agency, including me. I am extremely concerned that my identity will be stolen since the data stolen includes social security numbers, birth dates, addresses and drivers license numbers. 
I would like to have my credit frozen with 2 factor authentication so that my stolen information can not be used for identity theft. I have reached out to EQUIFAX on XXXX/XXXX/XXXX and was asked to return on a specific date ( XXXX/XXXX/XXXX ) for credit monitoring service which is not enough. This monitoring is temporary, the stolen data can be used at any time in the future.

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

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

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: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have contact companies to have unauthorized inquiries removed XXXX XXXX XX/XX/XXXX XXXX  /XXXX XX/XX/XXXX XXXX XXXX /XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX/XXXX XXXX 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 2017-09-09 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 information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

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: WA

Complaint narrative:
My personal information was compromised by the recent Equifax hack. 
The following Equifax site confirmed my personal details were part of the hack, based on my Last name and last 6 digits of SSN : https : //www.equifaxsecurity2017.comXXXX

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: MA

Complaint narrative:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and  they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Main address XXXX XXXX XXXX, XXXX XXXX XXXX, Ar XXXX Previous XXXX XXXX XXXX XXXX, XXXX XXXX, Ar XXXX Incorrect address are being reported. I fax information and contacted them by email Equifax .Photo and one the my 2 previous job W2 forms. That 's show address My name is incorrect and I ask all for all inaccurate mis spelling name be removed. As I go. XXXX XXXX XXXX ( previous ) XXXX XXXX as current name. I fax over information and they mess up my reporting over worse than before.

Company response to consumer: Closed with non-monetary relief
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:
On XX/XX/XXXX, I learned of the Equifax data breach through the news and social media. I attempted to check whether I was impacted via the provided portal, equifaxsecurity2017.com, but was only told that I 'd be able to register for the ID protection service a few days later. On XX/XX/XXXX, I tried the website again and was finally informed that I may be impacted by this breach.
I learned from the news that this breach has occurred in XX/XX/XXXX. I am extremely disappointed that Equifax did not discover or disclose this information for months.

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 avoided instituting basic security measures to ensure that consumers like myself would have their personal information protected and secure. As a direct and inevitable result, many people 's private information, including my own, has been stolen. As a credit report contains an incredible amount of significantly private and important information, having this information stolen has a terribly large impact on my affairs. Since Equifax completely avoided taking BASIC security measures, this large breach of trust requires a complaint.

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:
According to equifaxsecurity2017.com, my data was affected by the recent major hack of Equifax. Hackers supposedly have personal identification information such as my name, social security number, birth date, addresses, etc.

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:
On XXXX XXXX, 2017, I learned that Equifax 's databases had been hacked and my personal information was leaked to criminal parties. I was not informed by Equifax, instead I learned about the incident from news reports. Furthermore, Equifax did not disclose the hack for weeks allowing the criminal parties to use my information unseen. Equifax did nothing to inform me about the incident and nothing to help me protect my credit and my personal information.

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

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

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:
On XXXX XXXX, 2017, I found out that my personal information was compromised due to a data breach that affected Equifax over a month ago. Since then, I have been taking precautions, one of which is to freeze my credit. It is ridiculous that a company which I never interacted with is affecting me financially and that I have to pay for every credit bureau in order to protect my credit. In addition to this, to be able to check whether my information was compromised, I had to complete an arbitration clause that excuses accountability from 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: NE

Complaint narrative:
Equifax Inc. 's systems were struck by a cyber-attack 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. 

After using Equifax 's link www.equifaxsecurity2017.com on XX/XX/2017, it was confirmed " your personal information may have been impacted by this incident. '' Equifax allowed my information to be divulged without my consent. Equifax used my report improperly.

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:
On XXXX XXXX, 2017, I learned that my data ( possibly including my name, Social Security number, birth date, address, drivers license number, and credit card numbers ) was taken from Equifax due to a security breach. Equifax failed to protect my data and stored it in a way that allowed it to be stolen.

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:
From XXXX to XXXX, Equifax Credit Bureau 's security was breached, allowing for 143 million Americans information to get compromised. My information was compromised. Equifax has not offered a solution. Instead of informing victims immediately, they decided to do a press release two to three months after the incident, in XXXX. I have had to place credit freezes with all three bureaus, replace three credit cards, activate fraud alert, and take identity theft precautions as a result. I have also been forced to pay a ten dollar fee to Equifax to place a credit freeze with them, which is upsetting, because I should not have to give them money to fix a problem they are responsible for. Equifax does not have the technological competency to be running a credit-reporting business, and their gross negligence has affected my life, and my family 's life, deeply. Now I run the risk of having my identity stolen, and having to freeze and unfreeze my account for loans/credit indefinitely.

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:
On XX/XX/17 I learned that millions of customers of Equifax had their data compromised in a security breach. I checked on Equifax 's website and it was confirmed that I was among one of the victims. While I understand that Equifax is also a victim in this attack, they are requiring their customers, such as myself, to manually file fraud alerts and credit checks. Equifax should be doing more to take care of this issue for every single one of their customers. Additionally, the fact that a major company that is involved with countless amounts of sensitive data is not prepared for an attack like this is unacceptable. Now my personal information is available to attackers and I have bear the burden of an increased chance of identity theft for some time to come.

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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
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. This has taken a lot of time away from me and I should be paid for that time.

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 mishandled my personal information, which may have been compromised by a data breach. I was listed as potentially impacted by the breach on www.equifaxsecurity2017.com.

Company response to consumer: Closed with explanation