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: CT

Complaint narrative:
I have been part of the cybersecurity leak that affected Equifax from XXXX to XXXX XXXX. I am only being informed now, in XXXX of XXXX of the fact that my information has been floating around as part of this comprehensive hack on their databases. This is unacceptable as no information was ever given to Equifax consumers by Equifax regarding the breach. 

As a result of this breach I may be vulnerable to fraud, identity theft, unauthorized use of my credit and finances, among other life-changing things. This has caused me much stress, anxiety,  and undue hardship due to the constant thinking about having my identity stolen and the taking steps, without the help of Equifax, to attempt to minimize damage and remedy the situation. For a company that is worth well over {$3.00} billion, it is absurd that they can not protect consumer 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: IL

Complaint narrative:
Equifax used my credit reporting history negligently, and let my information get leaked. Then, on top of this, they tried to get me to sign up for one year free credit protection, if I forfeit my rights to class action lawsuit.

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 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. 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: IL

Complaint narrative:
My personal information was improperly handled by the company in question and i 'm now at a significantly higher risk of credit fraud and 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: NC

Complaint narrative:
I was affected by the Equifax security breach and most likely have had most, if not all, of my personal financial information stolen as a result. This includes date of birth, social security number, full address, and possibly more. This information was leaked due to their security failure, and as such they should be held fully accountable for any fraud resulting from it.

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

Complaint narrative:
Equifax mishandled my personal 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, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and dozens of 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: IN

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media

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

Complaint narrative:
My personal information has been compromised for a lifetime due to Equifax 's negligence in handling my 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: CA

Complaint narrative:
On XXXX/XXXX/2017, Equifax reported that they had been hacked and that the social security numbers, birth dates, names, and addresses of 143 million consumers were leaked. Using Equifax 's online tool, I discovered that my information may have been breached. I requested an enrollment date for their credit monitoring services ; however, since making the request, numerous online articles have reported that enrolling in the free year of credit services forces the end user into an arbitration clause which hinders the user 's right to be part of a class action lawsuit. I believe, that although Equifax is equally a victim, that they are ultimately still responsible for the breach due to failure to properly secure themselves. I will likely forego their free credit monitoring service in order to avoid being forced into an agreement that I would otherwise not consent to.

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 found out on XXXX XXXX 2017 that Equifax potentially leaked sensitive personal information about me, and that the security breach had been open for 5 weeks. I am worried that I may become a victim of identity theft, which puts me at risk for loss of thousands of dollars and ruination of my credit.

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: LA

Complaint narrative:
Some or all of my personal data may have been leaked with the Equifax hack. I found out about the hack through the new and went to the website Equifax set up that checks to see if my data was stolen. I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' My information may now be public, leaving me vulnerable to 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: CA

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Services continues to report an erroneous tradeline on my credit reports and they additionally attempt to try to collect on it, clearly in violation of the law since they refuse to validate the debt despite my numerous attempts to get them to do so. My most recent attempts were XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

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: IL

Complaint narrative:
Equifax let my information 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: NY

Complaint narrative:
I have apparently been impacted by the Equifax breach, which occurred between XXXX and XXXX, XXXX. I have applied for a 90 day fraud alert and am considering freezing my credit.

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:
On XX/XX/2017 I was informed of an equifax security breach. It was stated that " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XXXX through XXXX of this year. '' After following the steps to find out if I was one of those affected, I set about trying to prevent the theft of my identity. Without my given consent, Equifax allowed my information to be taken and made public.

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/XXXX, Equifax notified me that personal information including my SSN and credit report had likely been leaked as part of a cyberattack. They informed that I am now at risk for identity theft and fraud. This is information that I never directly gave to Equifax, so it is especially egregious that they allowed my information to be shared with the unknown cyberattackers. Equifax 's proposed resolution was to offer me a year subscription to an identity theft monitoring service, subject to the acceptance extensive terms that limit my options for legal recourse.

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: UT

Complaint narrative:
The terms of service in Equifax 's updated procedure after their recent hack allows them to share your information without my consent. I am on the list of potential victims for this large breach of information, and seek restitution if my information is compromised or my credit score is directly 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: CA

Complaint narrative:
After checking with Equifax I was notified that my information is in the bank of information was hacked it said that my specific account information was taken including SSN 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: PA

Complaint narrative:
Today, XX/XX/2017, I used Equifax 's tool at https : //www.equifaxsecurity2017.com/potential-impact/ to determine if my account was affected by the recent security breach and was informed that my personal information may have been compromised. As of now no fraudulent activity has taken place, but that does not mean my information has not been taken by an outside party. This was made possible by Equifax mishandling user 's data and thus putting millions of people at risk.

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

Complaint narrative:
Equifax just had a major security breach, exposing many people 's private information. My SSN, my name, my address, could all possibly be leaked and open at this moment. I confirmed that my information is more than likely stolen by checking on their website, equifaxsecuirty2017.com. I fear my information has already been stolen as well, I have tried to create a XXXX XXXX account to keep track of my credit, but my information is apparently " invalid '', and they ca n't identify me with my SSN. I tried to get a report on XXXX, but the same issue rose from that website as well. I am going to attempt to freeze my accounts and hope this will be resolved somehow. Other than that I am honestly fearing the worst possible scenario at this point.

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

Complaint narrative:
Equifax did not implement proper data security measures and my information was stolen in the hack around XXXX 2017. Stolen information includes my Name, DOB, SSN, address, and account numbers. Equifax did also not follow appropriate measures in notifying people that their information was stolen. Equifax executives were able to sell ~2 million dollars of Equifax stock immediately after the breach, but were not able to notify people until a few months later.

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 grossly mishandled my personal information and the personal information over over 100 million other Americans. Their inability to properly secure this information has left us all vulnerable to identity  theft and other forms of 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: OR

Complaint narrative:
Impacted by Equifax security breach. My information has been compromised due to insufficient security measures. My information is collected by this company without my consent and sold. Now it 's also been stolen by unknown actors.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax makes the process to obtain our free credit report deliberately so difficult it is practically impossible to do so, after 5 attempts, I finally received a notice saying online delivery was not available. No options of contacting them was given. 

I will submit the paperwork to obtain my report via mail which I assume will take 4-5 weeks to be processed also putting my personal information at risk. 

The federal government should hold them financially accountable for not living up to their promises in any way.

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: FL

Complaint narrative:
I was one of the Equifax data breech victims ( XXXX XXXX XXXX ). I would like Equifax to be held responsible if my credit or financial state is negatively affected by this case. Please place an initial 90 day fraud alert on my credit file.

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: DC

Complaint narrative:
Equifax negligently handled their security and allowed for the the release of my Social Security Number along with that of 143 million others.

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

Complaint narrative:
Equifax was hacked and personal identifiable information including credit card details and social security numbers were accessed for 143 million consumers, including myself, according to Equifax 's own checker site. 

This complaint is in response to that incident. So far, I appear to be unaffected by any sort of crime, but I 'm keeping a close eye on my accounts and credit and want to make sure that should anything occur, that Equifax is held responsible.

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 which has collected mass amounts of personal information has been breached and this information was shared against my knowledge or consent. This breach is reported to have happened between mid-XXXX to XXXX of 2017 and was n't disclosed until XXXX XXXX 2017.

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: FL

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

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

Complaint narrative:
My personal information ( social security number, birth dates, addresses, and other compromising information that would make it very easy to be a victim of identity theft or be a victim of credit fraud ) may have been compromised as part of the cyberattack on Equifax that was reported on Thursday,  XX/XX/XXXX ( though occurred a couple months prior ). This is absolutely ridiculous considering since there was no way for me to avoid having my information available to Equifax.

Company response to consumer: Closed with explanation