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: VT

Complaint narrative:
After checking about potential impact of Equifax data breach, I was notified that my personal sensitive information may be compromised. I would like to report this agency, Equifax, for allowing this to happen. There should be consequences in order for future protectors and users of our personal information to be responsible and held accountable for not adhering to best practices.

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

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. exposing myself to the risk of identity theft/fraud due to negligent security protocols in handling consumer information. This is all due to a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
My personal information was exposed through gross negligence on Equifax 's part. Furthermore, delaying informing any of the victims for months, allowing management to sell stock options, and not offering a legitimate remedy for the situation and instead 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 2017-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX has leaked all of the information needed to open credit accounts in my name, as have a dozen companies before them. Consumers remain virtually powerless over their own credit, with private corporations choosing to profit off of our misfortunes directly resulting from their poor security practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX has leaked all of the information needed to open credit accounts in my name, as have a dozen companies before them. Consumers remain virtually powerless over their own credit, with private corporations choosing to profit off of our misfortunes directly resulting from their poor security practices.

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: NY

Complaint narrative:
Equifax, a credit reporting bureau responsible for tracking and maintaining the credit score that allows me to function properly as an American citizen, failed to take adequate security precautions or implement adequate security measures to protect my Personally Identifiable Information ( PII ).
Specifically, due to their own negligence and substantial information security failures, Equifax caused my most sensitive PII ( SSN, Name, Birth Date, Addresses, Driver 's License Number, etc. ) to fall into the hands of an unknown and demonstrably malicious agency.
This is evidenced by Equifax 's own website ( http : //www.equifaxsecurity2017.com/ ), which contains their response and actions taken. I find those actions to be wholly inadequate, given that my PII will be critical for the rest of my life, and is now and forever more will be readily available to external malicious actors.

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: AZ

Complaint narrative:
As of XX/XX/17, my personal information and credit information is listed as potentially impacted by the EquiFax security breach on : https XXXX XXXX. I am currently in the process of reviewing my banking and credit information and placing fraud alerts with all 3 credit bureaus to be proactive regarding the protection of my personal information. 

My complaint is that the effort I normally take to protect my finances and ensure accurate information was not matched by EquiFax, a company trusted to securely and truthfully report my credit information. It is unacceptable that this breach took weeks to announce without any attempt to first contact the affected consumers and announce what resolution they were seeking to rectify the situation. It is equally unacceptable that at this point, because the data announced as stolen is so vague and widespread, I am forced to assume that my entire credit history and personal identity is at risk. 

As of the time of this complaint, I have not encountered any fraudulent activity, but this situation is one that will require close monitoring for years to come. If even one piece of my PII is used to engage in fraudulent activity, it will be directly due to EquiFax 's actions and inactions regarding this breach.

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

Complaint narrative:
My personal information has been divulged in the Equifax leak announced XXXX XXXX, according to https : //www.equifaxsecurity2017.com/potential-impact/. This information can include my date of birth, full address, SSN, drivers license number, and more. I 've put a 90-day fraud alert on my accounts, but I am filing a complaint against Equifax here as well for potential identity theft due to their actions. Furthermore, I believe this site https : //www.equifaxsecurity2017.com/potential-impact/ itself is unsafe, as it asks me to enter my last name and most of my SSN in order to determine if my personal info has leaked.

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

Complaint narrative:
My credit information including personal information was involuntarily divulged by this company to unauthorized users.

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

Complaint narrative:
My credit information including personal information, was involuntarily divulged by this company to unauthorized users.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement. 

XXXX XXXX XXXX XXXX XXXX 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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: AZ

Complaint narrative:
Equifax mishandled my ( and millions of others ) information. They were aware that their security had been breached and did nothing for months. I am now at a high risk of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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 #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 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 2017-09-08 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:
It came to my attention on XXXX XXXX, 2017 that Equifax experienced a databreach. In order to check if my SSN was compromised, the site they are endorsing is requiring that i waive my right to file a lawsuit against them before I know whether I am affected. The website they are using is obviously a third party domain name which itself is extremely sketchy and uses third party security certificates which is terrifying from a cyber security standpoint. I dont even know if my last 6 digits of my SSN are actually being sent to equifax or a third party company hired to handle this breach. it 's not difficult to guess the first 3 digits, thats only 100 different combinations of single digit integers 0-9. The leak happened a month ago, but they didnt make a public statement until now. There is so many things that seem off and I dont know what to do right now. The solution they have is to offer a typically paid service to protect my identity for free for a year, but this data breach will effect my SSN for the rest of my life! How is this even fair???

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

Complaint narrative:
Equifax mishandled my personal information, along with the information of most adults in the United States. This put me, and well over 100 million others at risk, and is unacceptable. I am listed as a potential victim according to equifaxsecurity2017.com, and I would like a resolution. 

Equifax 's efforts to notify the public of this massive and dangerous breach are lackluster. The company took too long to notify the public, and are not making enough of an effort to protect those who are affected.

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: TX

Complaint narrative:
Equifax 's lax data security led to vast amounts of my personal information being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One auto finance is reporting to two credit bureaus ( XXXX and XXXX ) a loan that was charged off for over {$18000.00}. 

This account was opened by my ex wife ( divorced at time of account opening ). I proved to the creditor I had never signed any documentation stipulating my responsibility in the financial contract. The vehicle was never registered in my name nor did I ever have possession of it. 

I have tried on several occasions to resolve this matter with the creditor to no avail.

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

Complaint narrative:
Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was part of the massive Equifax hack and had my personal information stolen. I have sense then put a fraudulent alert on my account.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
3 credit unions were given information supplied from me. This complaint is regarding a trade line on my crit report from XXXX XXXX XXXX. Please the attached letter from the credit union to delete the file. I am also attaching the envelope with post mark on XX/XX/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: KY

Complaint narrative:
In XXXX / XXXX of 2017, myself and millions of other citizens played victim to the Equifax security breach. They 've not directly informed me of the breach and the potential for my identity to be stolen thanks to their negligent security practices. According to the Equifax Potential Impact site, I am listed as a potential victim, and have yet to have received any information from them regarding the breach or how to proceed from here so as not to be a victim of identity theft.

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:
My information was mishandled by Equifax and opened up to theft, putting me and millions of other people at risk. I was identified as a potential breach victim when I checked in at their equifaxsecurity2017.com website. 

They did not notify anyone quickly enough, and have admitted that they will not notify everyone. 

In addition, when you sign up for " protection '' on the Equifax website they sneak in an anti-arbitration clause. 

I would like a resolution on this. Thank you.

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

Complaint narrative:
Equifax data breach. I am a potentially affected party, as stated by Equifax 's own website portal. The company provided my data via hacking to a third party ( or multiple parties ) which opens me up to fraudulent activity.

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: NJ

Complaint narrative:
As a result of Equifax being hacked, my personal information was leaked to the public for use by malicious agents. I have been forced to place a 90 day fraud alert on my credit report, and constantly monitor it going forward because I am at an increased risk of identity theft. Their decision to compensate me with just one year of Identity Theft protection - on the condition that I forfeit my right to participate in a class action lawsuit against them! - is not enough to make me whole and as such I will not be accepting it. Instead I will procure identity theft protection at my own expense so that I can make sure that Equifax is held accountable for their actions to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.

Complaint narrative:
I am attempting to release a co-signer from my loans. This has been problematic because I live and work XXXX. A successful co-signer release involves a few things but in my case paying 12 months consecutively with no late fees is the issue.
My lender does not currently have the ability to offer me auto payments via my international bank so I can not ensure on-time payments. My earnings are made in a foreign currency and I must convert and send payments over to my XXXX XXXX account which is where the problem lies. I am at the whim of the intermediaries capabilities to deliver the funds on time to make the payment.
All other requirements check out. It just seems it will be impossible to accurately target 12 months on time payments when the deciding factors are not in my own hands, being a reflection of my credit worthiness.
This fact has been confirmed with a representative as being a sad and unfair situation, but, nothing is available in terms of solutions from their end.

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 negligently allowed, intentionally or otherwise, outside parties to access my personal information including name, SSN, and DOB. Equifax neglected to take necessary steps to protect this information and has a history of ineffective and improper security passwords including emailing PLAIN TEXT PASSWORDS to their users ( XXXX XXXX XXXX, known since 2011 ). If Equifax can not handle proper password encryption procedures, I can only imagine how improperly they handle the rest of their consumers ' personal data which I am sure contributed to this failure in security.

Company response to consumer: Closed with explanation