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: CA

Complaint narrative:
" Equifax computer systems were struck by a cyberattack that may have affected about 13 million U.S. customers from XX/XX/XXXX-XX/XX/XXXX. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' According to Equifax, my information may 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: AZ

Complaint narrative:
Due to negligent or malicious actions and/or improper storage of data/information on the part of EQUIFAX , Inc., My personal information and credit data about me were stolen from EQUIFAX , Inc .

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 Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed. The company set up a website, www.equifaxsecurity2017.com, that consumers  can use to determine whether their information was compromised. Based on the information provided, Equifax believes that my personal information may have been impacted 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax was hacked and exposed my personal information to the world. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a XX/XX/XXXX Credit Card. I had a XXXX credit score according to XXXX XXXX and a few other free services, and a high income. In a typical application, that would have resulted in an auto-approval on the spot. I was told to wait for a letter in the mail. 

The letter was dated XX/XX/XXXX. It said that the decision not to approve me was based on information received " from one of our Citi affiliates that your relationship has been reviewed and we can no longer service accounts for you. '' According to the terms of the credit product I was applying for, the issuing bank was XX/XX/XXXX. Citi is not referenced anywhere on the application. I would not have applied for the card had I been provided information that Citi was involved in determining my status. Citi closed my account in XX/XX/XXXX without notice or reason provided. I had never missed a payment with them. XX/XX/XXXX should have informed me that account ineligibility with Citi necessitates ineligibility with XXXX as soon as I entered my social security number into the keypad. They did not however, and they subjected me to a hard credit inquiry knowing full well that they were not going to approve me for credit BEFORE they even reviewed my credit. 

Furthermore, I received no supplemental documentation informing me of my rights to request a credit report upon an Adverse Action under Regulation B with the letter.

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: TX

Complaint narrative:
Equifax was hacked and that is unacceptable. I work hard to maintain my good credit. Equifax should fix this and offer some sort of compensation or credit monitoring. Equifax should be the most secure company since they have so much information on consumers. How are they going to fix this? I need to know because I am one of the ones who has had their identity 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: UT

Complaint narrative:
The recent Equifax hack exposed my personal information to hackers for over 2 months. My wife and I are in the underwriting process for our first home RIGHT NOW. This is absolutely unacceptable. I 'm a XXXX XXXX and work on web-facing applications by trade, this sort of security breach is beyond the pale and wholly avoidable.

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:
On Friday, XXXX XXXX around XXXX I was made aware that Equifax mishandled my information which 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. To my knowledge, absolutely nothing 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 from an online media announcement. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Indefinitely. 

Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. I was required to pay {$10.00} to freeze my credit on Equifax to cover for their gross negligence. 

I am very frustrated with the handling of this situation, as I know millions of others are that were impacted. This situation must not be allowed to happen again, especially with information so critically important to each person.

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:
I was informed that my Name, SSN, Drivers Licence Number, address and date of birth may have been leaked to outside parties. This is unacceptable. I am also upset that I was not notified directly by equifax that my information was leaked. They have my information, they know it was leaked, but I had to find out about the whole incident via social media. On top of all this, they are using the incident to sell a " Free '' product that includes an arbitration clause that would that away the right to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am bringing to your attention a matter that has significantly disrupted my life and caused me severe hardship. This collector continues to report an account on my credit report that should not be there. On XX/XX/2017 I wrote to this company and had them served notification of my dispute by certified return receipt mail where I asked them to either validate or delete the account from my credit report. I asked that they produce my signature to show where I agreed to pay this alleged debt along with all other documents that I may have signed and agreed to. No such documents were produced and yet the company just kept on reporting the account on my credit report as a valid account despite my dispute to the credit bureaus. My legal counsel has advised me that this is a violation of Sec 809 of the Fair Debt Collection Practices Act that is enforceable in court

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 personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/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. I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach and covering the cost of any fraud that this may cause. 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Following this press release by the FTC XXXX https : XXXX ), I went to Equifax XXXX XXXX : XXXX ) and checked my impact. They suggest I have been impacted, but their resolution is for me to waive my rights to class action against Equifax in exchange for a credit monitoring service. I do not think this is an appropriate resolution and would like the CFPB to find a stronger resolution for me and other Equifax customers.

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:
The credit bureau Equifax has violated my privacy and incorrectly handled my credit report and credit/personal information. The gross negligence in handling this private data allowed a breach where my information has been stolen and can now be used by criminals.

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 Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. This occurred at some point fromXX/XX/XXXX with the news being broken on XXXX XXXX, XXXX. 

Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. 

As of XXXX XXXX, XXXX ( when I last had my own free credit report generated by all 3 credit bureaus ), my personal line of credit and identity do not appear to be compromised. However, if the hack occurred within the last few months, the sensitive information will likely be sold to identity thieves and used some months after the incident. 

Equifax, up until this point, has only offered to have customers run their last names and last 6 digits of their social security numbers through a web page on their website to determine if the customer has been impacted. According to Equifax 's website, I was impacted by the hack. They are offering credit monitoring, which I am denying, because I do not believe they can provide quality service in a secure fashion in any agreeable manner. 

Thus far, I created a fraud alert through XXXX XXXX website for the next 90 days, and will continue to reactivate that fraud alert for the foreseeable future once the alert expires. In addition to that, I am paying money out of my own pocket to protect my information from being used to open lines of credit. I am creating a credit freeze with all 3 credit bureaus after filing this complaint.

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 did not properly secure my personal and financial information, resulting in a data breach that put that information into the hands of unauthorized users. The website they set up, using non-secure methods and on a non-affiliated domain name with anonymized who-is information and improper SSL encryption, reported 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: OH

Complaint narrative:
I was confirmed a victim of the Equifax credit attack. I entrusted my personal info, info that can be used to ruin people 's lives, to them. I have taken all of the precautions since then, but something like this should n't happen to an agency handling this kind of 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: TX

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 2017-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: SC

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 's poor security measures resulted in a data breach which they have indicated included my personal information. I 'm now at high risk for identity theft because of their negligence.

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 's databases were left unsecured and my information was stolen by hackers. My identity has now 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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has given my personal information to unknown individuals exposing me to the possibility 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: TX

Complaint narrative:
Equifax was attacked, resulting in a hacker gaining access to 143 million names, social security number, birth dates, addresses, and driver 's license number. My personal data were among the impacted records. Protection of such sensitive information should be any company 's first priority, and I believe Equifax has proved itself undeserving of the responsibility of holding such 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:
My information was leaked in the ongoing incident. According to the Equifax website which checks for impact, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have just put an initial fraud alert in place and gotten my report from one of three agencies to check for errors. Now, I will continue to monitor my reports for the foreseeable future.
It is entirely unacceptable to store this information unhashed and unsalted. Any data security company knows this. To do this with the information of Americans is just mind baffling.

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:
Credit information was given to unauthorized party by 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: KS

Complaint narrative:
The data breach by Equifax was known to them since at least XX/XX/XXXX.  No one has been informed of such a terrible breach until TODAY! Equifax is also making individuals check to see if their information may have been stolen, and in said signing up with Equifax are making us waive our rights to legal arbitration. There MUST be better security on their end along with reparations for those of us whose lives and credit may now be shattered! The usage of another website NOT even sub-domained by Equifax to check to see if we have been possibly breached is shady, and can, probably will be duplicated to con even more people.

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 information, allowing for a massive data leak. This puts myself and millions of others at risk. As per their website, XXXX, I 'm listed as a potential victim and would like to see a resolution. 

Their abhorrent behaviors of selling off stocks before disclosing the leak are indications to many that they lack remorse for their actions.

Company response to consumer: Closed with explanation