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: WA

Complaint narrative:
Equifax was incredibly careless with their sensitive customer data and now that they 've been hacked, some unknown group of criminals has access to my personal and private information. I was not even notified until I saw it on the news. This is unacceptable.

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: MN

Complaint narrative:
T
he credit-reporting company Equifax has had knowledge, since late XX/XX/XXXX, that my personal information was likely compromised, and I was not informed until early XX/XX/XXXX. This is also true for over 100 million other Americans. I 've placed, through XXXX, a 90-day fraud alert on 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: FL

Complaint narrative:
Equifax did not take proper precautions to safeguard sensitive data on their servers and lost it and as part of the breach want me to sign a arbitration clause for them to do anything about it even though they made the mistake. It is unacceptable for the company to require an arbitration clause for any remediation of the issue they created

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:
Using the information at https : //www.equifaxsecurity2017.com, I determined that my personal information ( including name, date of birth, address, and social security number ) was likely leaked in a recent security breach ( XX/XX/XXXX-XX/XX/XXXX ) on Equifax, Inc. 's systems. Equifax is entrusted with highly personal information by major financial institutions and millions of Americans who use credit. Their greatest responsibility is safeguarding and handling this information properly, which, as this instance demonstrates, they have clearly not upheld.
Because of Equifax 's negligence, myself and millions of other Americans will be at constant risk for identity theft for the foreseeable future, and perhaps the rest of our lives. Equifax has offered free TrustedID credit monitoring to those affected, but use of those services requires users to waive their rights to legal class action, which is truly an unfair ask in this situation.

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:
Equifax mishandled my personal information which lead to a data leak that impacted my personal data. Additionally, I 'm upset with how Equifax handled their mistake. I was never personally notified that my data was leaked, and had to find out via social media and check for myself if my data was impacted.

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: MA

Complaint narrative:
Equifax data breach. They ( equifax ) say I may have been impacted, so my SSN, DL, DOB, and potentially credit cards may be up for sale and essentially 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: NJ

Complaint narrative:
All data necessary to take out loans, acquire credit reports, etc taken in the hack. The severity of this is life alteringly bad.

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:
Identity has been compromised. Should have mandatory fraud protection from equifax because of this. Every vital piece of information regarding my identity has been breached. that is very unsettling.

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 received notification on XXXX XXXX 2017 that Equifax was hacked.
I accessed their webpage XXXX XXXX XXXX and was notified that my information may have been affected by this hack.

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 included in the 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: CA

Complaint narrative:
Equifax had poor security practices and allowed an unknown amount of information about me to be stolen sometime in XX/XX/XXXX-XX/XX/XXXX. This breach affected 143 million people, and was discovered by Equifax at the end of XX/XX/XXXX. However, they neglected to notify the public until early XX/XX/XXXX.

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: OH

Complaint narrative:
Equafax released my personal information and violated my privacy expaoing me to risk and is now making me sign a release that to accept credit monitoring services, made necessary by my mistake, I must sign away my rights to be a part of a lawsuit? Outrageous.

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:
I, like many others, had my personal information compromised as a result of the Equifax security breach that occurred sometime around XX/XX/XXXX or XXXX of 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: PA

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed Per Equifax this occurred mid-XX/XX/XXXX through XXXX of 2017 I have completed a 90-day fraud alert on my file with the 3 credit reporting agencies, but if my information is compromised the attackers could just wait.

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: NV

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am one of the consumers who 's data was breached from Equifax according to their website.

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:
I was alerted to the recent attack on Equifax resulting in the potential compromise of 143 million people 's private information, and used their tool ( equifaxsecurity2017.com ) to see if I was affected. According to the tool, they think that my information may have been compromised, and offered to enroll me in their XXXX XXXX program, but that would waive my right to participate in a class action lawsuit against them, so I did n't enroll. I checked my credit report, and everything seems fine, but I 'm still putting a 90 day fraud alert on 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: VA

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: NH

Complaint narrative:
Equifax 's poor security practices and mishandling of sensitive data resulted in a data breach that included all of my sensitive financial data, including my SSN, DOB, full name, address, etc. This was part of the hack that occurred over a month ago, which they failed to inform me of.

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 was informed by Equifax Inc that during their XXXX 2017 beach my information potentially had been compromised. They have potentially improperly stored, shared and used my credit information. I am now at risk for 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: MI

Complaint narrative:
My information was impacted by the security breach of Eqauifax.

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: WI

Complaint narrative:
Equifax was hacked and had my personal data listed in an easily stolen format. My SSN and credit history are now possibly in the hands of criminal hackers.

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:
Through no fault of my own beyond simply having a credit card, Equifax 's lax security setup has allowed for possibly the largest breach of financial data in American History. I have contacted Equifax today X/X/17 to see my options and used their website to determine I am at risk of identity theft from the hack. They then tried to push me into their monitoring program, however, they want to take away my right to join a class action lawsuit again them which I will not do. I have put a 90 day alert on my accounts and will now hope and pray that I do n't get my identity stolen. I 've worked for years to obtain excellent credit and I would hate to see it ruined through no fault of my own.

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:
It was revealed recently that equifax has allowed, through improper security management, the leaking of personally identifiable and sensitive information about me to unconcented 3rd parties.

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 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: CA

Complaint narrative:
According to www.equifaxsecurity2017.com, my information such as SSN, date of birth, full address and maybe even driver 's license number got into hands of currently unknown, malicious third parties. This is in clear violation of the privacy standards credit reporting bureaus like Equifax should be held up to. 

To add insult to the injury, Equifax is unethically and potentially illegally trying to " opt me out '' of potential class action lawsuit if I sign up to their credit monitoring services. 

This is ridiculous. Equifax as a company and executives responsible for poor security engineering decisions personally should be punished to the full extent of the applicable law.

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:
My info was leaked during the Equifax hack.

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: NV

Complaint narrative:
I recently filled my Yearly Credit Report with Equifax, on XX/XX/XXXX. Then today, XX/XX/XXXX, I found out about the recent sqeuirty breach of their servers. I went to https : //www.equifaxsecurity2017.com/potential-impact/ to see if my info was impacted, It was. So I went to XXXX to place a 90 day account watch on my info, which is to be shared with the other major credit report bureaus, Equifax included. I believe they failed there responsibilities on their end by allowing this security breach, as the are required to collect and monitor my information by law.

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:
My personal information was compromised, it seems. This possibly includes information related to SSN,  Accounts, etc. Bad stuff.

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: TN

Complaint narrative:
Based on the online tools available at ( https : //www.equifaxsecurity2017.comXXXX ), I 've been impacted by the recent Equifax security breach. As a relatively new user of credit, this has the potential to disrupt my attempt to establish good credit in a pretty bad way. I refused to waive my right to a class-action suit, and intend to follow through as thoroughly as possible with any legal recourse available to the 1/3 to 1/2 of the country that has been affected by this. 

I have placed a 90 day fraud alert on my account, and will likely have to do this far into the future, because a company that is supposed to be 'worthy ' of credit could n't keep their XXXX together.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I have spoken to many agents and supervisors and because public records says that my phone number does not belong to me nothing I was told is happening. On XX/XX/XXXX I was approved for a credit card. I was told it would be here in two weeks. On XX/XX/XXXX it is still not here. I called to find out what is going on. I was told that it was mailed on XX/XX/XXXX. That is four days after I was approved. A supervisor offered me a second card but because public records state that my phone number is not mine they will not send it. Public records does not keep up with every little change that happens. I do n't even have my card yet and already I am thinking about closing the account. I is stupid that you use a system to verify someone that is not up to date. I should not have to suffer due to something that is not my fault. Information that is put on an application is what should be verified not public records. I do n't even have my account number to do anything with.

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 2017-09-09 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: KY

Complaint narrative:
Equifax allowed my private information to be accessed ( and likely published ) without my consent.

Company response to consumer: Closed with explanation