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: TX

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 XX/XX/XXXX, 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 unconscionably 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 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX not the company, Equifax, contacting me or sending a letter to me about them having been hacked 41 DAYS AGO!! 

I was later told to go to the website to figure out if I was compromised. I did as instructed but it did not notify me if I was effected or not instead it let me know that I can opt into a credit monitoring service. 

I was not aware nor was there any information of regarding a terms of service saying what would happen if I opted into the credit monitoring service. 

I strongly suggest that Equifax be out of business since it lose the vital information that should be private : social security numbers, drivers license numbers, birthdays and credit card numbers. 

It will effect almost half of the USA and it should be held responsible for any damages that it caused. By paying for damages.

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 collected personal information on me such as my social security number and credit information in an unsafe way, and now it has been determined that due to a massive hack, criminals have access to my information. I also never authorized Equifax, or any other credit reporting agency, to collect or distribute any information about me at any time.

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

Complaint narrative:
Earlier this week, Equifax announced they had a cyber security data breach that affected many people. Based on their link that tells you if you may be affected or not, my information may have been affected. This is unacceptable. I try to make habits of protecting my credit, and this company just negatively affected millions of lives. Based on the fine print, if I register to get a year of free credit monitoring, I forfeit my right to sue. This is also unacceptable. Just because someone may have took my information does not mean they will use it within a year.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The company credit bureaus Equifax removed a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX. I check my credit score on XXXX/XXXX/XXXX and saw my credit scored drop 10 points because of an old collection that was removed and put back on with out be being notified five days after it was put back on. 


The credit bureau XXXX removed a collection from XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX and also Afni XXXX in XXXX XXXX. I check my credit score on XXXX/XXXX/XXXX and saw my credit scored drop 10 points because of an old collection that was removed and put back on with out be being notified five days after it was put back on. 

These Accounts were disputed by Law Offices of XXXX XXXX, XXXX

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

Complaint narrative:
My credit report was shared without my permission. Equifax was hacked and my information was stolen. They are completely responsible for keeping my information private and safe. Credit bureaus force me to be responsible daily, and I feel they should be held to the same regard.

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 allowed my information to be stolen in their latest hack. 

They are responsible for any and all issues that arise on my credit from now on.

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: MI

Complaint narrative:
My personal information was compromised via 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: MI

Complaint narrative:
All of my personal credit information including social security number was made public in a security breech of Equifax. This I understand to some extent - although a massive security failure, they are likely under constant low level attacks. However, what I do object to, strongly, is that I did not find this information out from Equifax. Instead, I had to find it through the media, more than a month after Equifax discovered the leak. This is grossly negligent of the company, as many consumers may find they have suffered identity or credit theft that could have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I 've been checking my credit score weekly, for the past few months, because I want to purchase my first home. When I checked it 3 weeks ago, I noticed that I had 3 new derogatory remarks from a debt collection agency. I called the agency, XXXX XXXX, to learn that they have reported an emergency room visit to XXXX hospital from 5 years ago, with 3 separate charges, and posted the date of the negative accounts with the current month and year. I tried to tell the representative that I did n't receive any notifications from them, nor the hospital, and I did n't owe anything on these accounts. He kept reading a prompted script, & would n't acknowledge what I way saying. I know I do n't owe XXXX hospital for any past services, because the last few times that I 've been there, they have me fill out paperwork stating that I 'm low income with XXXX dependents, and that qualified me for their medical assistance program.

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:
Equifax divulged my information without my consent.

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

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 unconscionably 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/17 - Reading a learning what i will need to do to protect myself after the recent hacking of Equifax. I do not know how much time and effort this will take and i 'm very scared about it.

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 was hacked and SSN/Personal Info was taken. It is all over the news right now. I checked my SSN with their website to see if my info was compromised and it was. Equifax did not secure millions of Americans SSN # s and now, they have set up a service to check if your info was compromised however, they try to lure you into submitting to a credit monitoring service which opts you out of suing in the future. If you check your info at Equifax, DO NOT OPT IN TO THE CREDIT 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: IL

Complaint narrative:
Equifax wrongfully exposed my full name, social security number, address, and other identification information on the internet, due to gross negligence of security practices. This has put me at lifelong risk for identity theft and credit fraud, requiring constant monitoring, time, and expenses for me for the duration of my life. This is also a Homeland Security risk as enemy nation states build databases of Americans that they then use to get to their targets.

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:
XXXX XXXX, 2017 On this day I found out that my information, ALL of my personal identifying information, had been compromised in the breach of Equifax. I was not contacted. I had to learn about it from first social media, then the news. I had to do the legwork to see if my information was compromised. 

This information, trusted within this company, is everything required to steal my identity, disable fraud alerts, unfreeze freeze 's that I place on my credit, fraudulently file taxes, etc. Now this information is in who knows who 's hands, and unless more secure safeguards are put into place to protect it in the future, I will ALWAYS have to worry about identity theft because of Equifax 's lax cybersecurity. 

I do not believe that the social security number is enough protection anymore. Technology continues to advance, however the social security number does not. I believe modern safeguards need to be used to authenticate and identify the person, and as soon as such is put into place, the reliance on social security numbers needs to be ended, and that they should be public knowledge, just like a license plate number or drivers license number. 

I believe Equifax needs to make this situation right. I am disgusted that for the foreseeable future, nothing I can do will make my identity safe, nothing I do will make my credit safe. I should not have to be doing all this legwork when I have done nothing wrong. I certainly should not have to pay to make my compromised credit slightly more secure. Equifax needs to act to protect us moving forwards.

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 had a security breach and my social security number was potentially stolen. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year. The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 credit information. I was affected by the recent Equifax security breach.

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:
Here 's my cleaned up version : 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. 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 who 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/XXXX : Received a letter in mail from XXXX indicating that I requested service from them and they pulled a credit score from Equifax. My score was apparently obtained on XX/XX/XXXX ** No one in our household has ever applied for XXXX. 

With the current chaos at Equifax due to the massive hack, I am unable to obtain my credit report from them. 

Simple web-search indicates that XXXX-Equifax-Unauthorized-Credit-Inquiry has been a persistent problem over many years.

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 compiled my personal and confidential financial information, and the information of millions of others. Equifax had a duty of confidentiality regarding this information, to keep it safe, as consumers are not able to " opt out '' of Equifax in this modern financial era. 

Equifax breached this duty when they did not take measures to ensure they were not hacked. Equifax was, in fact, hacked, breaching their duty of confidentiality ; names, Social Security numbers, birthdates, driver 's license numbers -- all were made available to criminals due to Equifax 's negligence in not providing sufficient security when there have been recent hacks into the financial files of many large companies. Further, Equifax withheld informing consumers of this hack for an unreasonable amount of time. 

Upon checking Equifax 's webpage, I received the following notice : " 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 2017-09-09 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:
I was impacted by the data breach at Equifax. My personal information, including my full name, social security number, and my date of birth, has been compromised. This could result in identity theft and impersonation attempts. 

https : //www.consumer.ftc.govXXXX

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: AK

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. 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 who 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: CO

Complaint narrative:
Equifax hack on X/X/2017. Credit report and all personal information was leaked. Completely unacceptable. Ca n't sign into Equifax to freeze or look into credit report at all to determine fraud.

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:
To whom this may concern, It has come to my attention that Equifax was lax in their securing of my personal credit and financial information from online theives, and when a breech in their system released my information ( I checked, and mine was taken ) they didnt alert me or make an announcement until much later when it was discovered. Before releasing the information about the people involved in the data breach, the executives also sold large shares of stock ( also verifyable )

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 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.

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 information was breached from Equifax without my consent, impacting my credit and allowing others access to my identity

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:
Equifax data breach 2017. My information was illegally procured through their servers.

Company response to consumer: Closed with explanation