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: AZ

Complaint narrative:
Security breach that was not made public until a month after it happened. According to their website, my personal information was 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I was one of the MANY US citizens who has had their personal information stolen ( name, address, SS #, DL # ) during the Equifax security breach. 

Due to the negligence of Equifax, my most valuable personal information is now freely available to any who would wish to utilize it. 

This is completely unacceptable. I have never even used Equifax 's credit services before. I feel violated, unsafe, and have had to spend the entire day proofing my financials due to an incalculable misstep of an ignorant company and its crooked executives. 

Equifax needs to pay, in every sense of the word, for their incompetence in the face cyber crime.

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: MA

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX 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.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

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: MI

Complaint narrative:
Equifax system has been hacked and it says I 'm a possible victim. XX/XX/XXXX2017.

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

Complaint narrative:
Equifax Security Breach of 2017 ; confirmed to be affected via www.equifaxsecurity2017.com I want to file a complaint against Equifax for their lack of security and delayed reporting of security breach and loss of my personal information.

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 properly secure my credit report or personal information

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:
I was notified on XXXX/XXXX/XXXX by the website that Equifax set up that I was potentially compromised in their recent security breach. I have not enrolled in their ID monitoring service.

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: MS

Complaint narrative:
My information was thought to have been stolen during the equifax security breach in XX/XX/XXXX. I have initiated a 90 day fraud alert but am worried about what else could come of this

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 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. 

Also the fact that Three Equifax Managers Sold Stock Before Cyber Hack is unbelievable and disgusting.

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: TN

Complaint narrative:
My data was compromised in the 2017 hack of Equifax. Hackers have access to my personal information including, DOB, SS #, Address, and other identifying information that could be used to open accounts in my name.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am sure that I part of TransUnion 's glitch that caused information on people 's credit report to disappear and then reappear without notification. According to, FCRA, section 611 paragraph ( 5 ) sub section ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I would hope that Transunion would remove these injuries from my credit report promptly. Due to the fact that I was Notified of them being put back on my credit report. 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax security breach, potentially compromised information verified by Equifax website. Went through XXXX to add a fraud alert to my account to all credit unions.

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: KY

Complaint narrative:
I am one of the victims whose information was taken from Equifax in the cyber attack over the past few months. Due to the website being overrun, I was unable to view my credit report with them ( which also took credit for my one report a year ). Additionally, they have another site that lets you check if you have had your information taken or not, https : //www.equifaxsecurity2017.com/, which I checked to verify and is NOT under their website 's domain. They make it as part of the terms and conditions that you ca n't sue the company in class-action, which is ridiculous since you need to check if you are a victim or not.

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: SC

Complaint narrative:
According to Equifax critical personal information pertaining to my credit report have been compromised in the hack of their servers.

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 using a simple and easily patch security vulnerability. I expect someone who hordes my personal information to take security seriously and rigorously. I now have to live in fear of my identity being stolen because Equifax was irresponsible with my personal information.

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: OK

Complaint narrative:
Equifax allow my personal information to be hacked. As a result, my personal information has been 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am one of the potentially impacted persons from the Equifax security breach in XX/XX/XXXX/XX/XX/XXXX of 2017. Equifax compromised my report, and took over a month to notify ( though never notified me directly up to this point, and had to hear about the breach from a third party source ). The only restitution offered is credit-file monitoring and identity-theft protection that required me to enter the last six of my social and my last name on a website they setup ( potentially requiring me to further compromise my data in order to get access to the monitoring ).

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: GA

Complaint narrative:
In XX/XX/XXXX, Equifax was hacked and released the personal information of up to 143 million American citizens ( as well as some in XXXX and the XXXX apparently ). They only reported it recently, and they created a website to see if you could be one of the citizens affected by the data breach. I was informed that I may be a victim of having my date of birth, driver 's license number, social security number, possibly credit card numbers, my current address, as well as other private information, stolen by hackers. There are few options to recover from this incident and none of them are preferable. I 'll have to freeze and unfreeze my credit report constantly, dispute fraudulent uses of my information, and maintain vigilant overseeing of all of my current accounts as everything has been compromised. This information will be available to whomever can get their hands on it for the rest of my life ( and beyond ). I must worry every day about whether I 'll still have money in the bank to pay bills, or if it has been stolen to no fault of my own. Will my credit report be so damaged that I 'll be unable to obtain a car loan, mortgage, or even rent an apartment due to no fault of my own but the negligence of 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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ( and likely the other credit agencies ) mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim of this huge breach of consumer data 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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This complaint is dealing with the Equifax Breach 2017 earlier this week that affected up to 143 millions  customer records. I learned from my current employer to go to https : //www.equifaxsecurity2017.comXXXX to see if I was impacted and I was along with my husband. This information should have been shared with everyone back in XXXX 2017 when it started. Also if they had any idea of all the people affected then notification should have been sent to those individuals. This affects my entire family.

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: HI

Complaint narrative:
I am a victim of Equifax 's data breach. I am trying to freeze my credit but Equifax can not process my freeze.

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: GA

Complaint narrative:
Equifax had a breath of security and my information was reported to be part of this breach according to their breach information webpage. XXXX put their trust in these companies without a choice. These companies are responsible for keeping this information safe a private. 

I have filed for a freeze through Equifax 's freeze request website and paid the {$3.00} to do so on XXXX/XXXX/17.

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: MD

Complaint narrative:
Equifax used my credit report and personal information improperly by allowing it to be released to unauthorized parties. Equifax did not perform due diligence necessary to protect my personal information. Additionally, Equifax executives reportedly used insider information of the compromise to make stock trades benefiting them personally.

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 negligently handled my personal data. According to Equifax, I have been effected by the recent breach of data. The company did not take proper precautions to my name, dob, ssn, address and drivers license information. 

It is not possible for this to be undone. My information is out there and I will be at risk for have my identity stolen from now on. 

I have put a freeze on my credit information in an effort to protect myself. Nothing has been done my Equifax to resolve this information.

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 found out in XXXX that they had been victim of a hack that exposed my personal, identifying information as well as my credit report. My information has been confirmed to be included in the hacked information. I have been a victim of identity theft in the past, and the most recent incident was around XXXX, when the hack took place. Equifax should have notified us as consumers about the hack as soon as they knew ; instead, they chose to sell their stock and hold onto this information until they deemed it necessary to let the cat out of the bag, exposing me and millions of others to potential theft and loss of funds. I have personally lost several hundred dollars in fees and interest to people who stole my identity since this breach took place.

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

Complaint narrative:
Equifax was hacked and potentially all personal information needed for identity theft/fraud are likely to have been 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: AR

Complaint narrative:
Potentially released my personal information in the data breach from XXXX to XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I have a first mortgage with MUFG Union Bank that I am interested in refinancing. Having locked in a bank to complete the refinance, I was asked to provide my note for the first mortgage to the new lender. Searching through my closing documents from the original purchase of my home, in XXXX of 2015, I  realized that I was never provided the original note on the loan. Calling customer service, I was told that the bank was not capable of sending me an electronic copy, and could only mail a physical version of the document after a 3-5 business day processing period. Considering this timing is delaying my refinance, I am paying higher interest to Union Bank than I would pay my new lender because of Union Bank 's policy of delaying customer document requests. After complaining via multiple avenues about the banks ' policies, I received a secure email from Union Bank that purported to attach my loan documents, but nothing was attached to the secure message. This appears to be an intentional policy of the bank to delay existing mortgagors from refinancing their homes ( the main reason a debtor would need a copy of their note ). I imagine there is a class action suit or heft regulatory action, as this policy has likely cost many many American consumers higher interest payments as a result of Union Bank 's deliberate exploitation of their consumers.

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: ID

Complaint narrative:
They allowed my personal information to be breached and did not warn me.

Company response to consumer: Closed with explanation