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: CO

Complaint narrative:
Regarding the Equifax security breach, I checked my information at XXXX which resulted in a positive response - my information may have been impacted. This company has mishandled my information, which puts me and  millions of other people at risk. Placing a freeze on my credit should be free and should not require a police report. Prevention over reaction is a much better approach to this type of sensitive 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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
No money was taken. Per the site, " Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID Premier. 

Enroll " I would like to file a complaint about 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: NY

Complaint narrative:
Equifax says my personal information got hacked

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:
On XXXX/XXXX/XXXX, XXXX revealed 143 million accounts with personal info had been hacked. They mishandled my information, which puts me and millions of other people at risk. On XX/XX/XXXX, I was listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I can not enroll for ID protection until XX/XX/XXXX, which is unacceptably late. I had to apply a fraud alert on all my credit reports. 

It is also scummy that enrolling on this equifaxsecurity2017.com removes me from any arbitration proceedings.

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:
According to their website : XXXX XXXX XXXX Equifax " ... believe that your personal information may have been impacted by this incident. '' Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk for identity theft. 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 2017-09-08 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: DC

Complaint narrative:
Equifax implemented poor security in their IT infrastructure and exposed ALL my personal and identifiable information. I used the " Potential Impact '' link of equifaxsecurity2017.com and it said, " Based on the information provided, we believe that your personal information may have been impacted by this incident ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 XXXX-XXXX-2017 Equifax was cyber attack resulting in hundreds on millions of people 's personal info including social security, DOB 's, and ID numbers being stolen by hackers. I was one one these 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: CA

Complaint narrative:
Equifax mishandled my personally identifying information in a way that let malicious actors access it, along with millions of other Americans. They did not notify anyone for at least a month, and I discovered it through the news instead of immediately through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
X/X/2017 Equifax had a security breach and I have been informed that my personal and financial information mat have been compromised. Not sure what else to say besides this is gross negligence and under no circumstances is it acceptable for such a large company with access to credit information to nearly all of the population of the U.S. to all this to happen.

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: GA

Complaint narrative:
I am filing a complaint in regards to the recent Equifax security breach -- according to the Equifax impact inquiry site ( XXXX XXXX XXXX ), checking my information indicates a strong likelihood that I was impacted and that my information was compromised. 

Equifax did NOT contact me about their security breach, and took no measures to alert me about my information being compromised, despite having it on their record and having access to my contact information. Issuing a national press release is not an acceptable substitution.

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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
XXXX XXXX XXXX reported fraud to my report on chexsystems a few yrs ago. When I found out last summer XX/XX/XXXX I called XXXX and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted chexsystems to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. 
The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with Chexsystems. So they obviously never investigated nor removed the fraud defamation.

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: PA

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. I am not comfortable with how the steps Equifax has taken to protect my information, or the steps Equifax has taken to notify myself and rectify this grievous error.

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: MA

Complaint narrative:
Equifax indicated that my information may have been hacked in the recent data 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:
It was just reported ( XXXX XXXX 2017 ) that Equifax, one of the 3 main credit reporting bureaus, was hacked and breached, beginning in XX/XX/XXXX, and millions of Equifax users, like myself, may have had very sensitive personal information stolen. I am outraged at the delay in reporting the breach to consumers, which, according to security experts, could have been prevented by creating multiple layers of security that Equifax did not install. Moreover, it was additionally reported that several high ranking Equifax executives sold millions of dollars of Equifax shares before the breach was made public. These people should be prosecuted, if possible, but at the very least they should be fined an amount that exceeds any profit made on the sale of their shares. 

Equifax created a webpage for consumers that supposedly would allow them to check if they had their data compromised. When I attempted to go to this page, my XXXX security software issued a warning that this site was a high risk. Im not sure what steps Ill take next, but I want to complain in the strongest possible terms about the incompetent and indifferent actions Equifax took and is taking in this matter.

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:
On XX/XX/2017 I was one of the potentially affected accounts by the Equifax security breach. According to equifax its possible that names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers have all been comprimised and I 'm now vulnerable to 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 mishandled my information in a grossly negligent way which has led to a breach that puts myself and hundreds of 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 on XXXX XXXX. What Equifax has done so far is NOT ENOUGH and leaves myself and hundreds of millions of others at risk of severe financial harm.

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

Complaint narrative:
I did not know how to categorize this complaint. This is in regard to the Equifax security breach that happened somewhere between XXXX and XXXX, but was not reported to consumers until XXXX. I am one of the MILLIONS of consumers whose data may have been breached.

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:
" Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID Premier. '' My information may have been stolen because Equifax could n't update their security and maintain my life 's personal 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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax had a data breach and leaked my SSN and other personal 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: Problem with fraud alerts or security freezes — 
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. 

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: HI

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 2017-09-08 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 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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The company XXXX XXXX XXXX XXXX mailed me a medical collection bill on XXXX XXXX behalf for the amount of {$220.00} on XX/XX/XXXX. on XX/XX/XXXX I called CCS and successfully completed the payment for above referenced amount in full. 
I expected to get a receipt of some sort reflecting the debt was paid in full and how much had been paid for insurance purposes but after a couple of weeks I never received anything, to this date, I have spent countless hours between CCS and XXXX, called CCS in more then 6 different times and spoken with supervisors as well, asking for a receipt, they kept referring me back to the website, however after attempting the website early on the request for a receipt, the website will NOT reflect the amount that was paid at all, it will only reflect I do n't owe CCS anything which is not what my insurance needs, a receipt with amounts paid. What is more concerning, is the fact that XXXX XXXX can not find ANY credits on my name from a collections accounts after XX/XX/XXXX, which makes me think CCs is pocketing the money and not reporting appropriately. 
To make matters worse, this medical debt was paid with my Flexible spending account, which requires to substantiate with receipts, to this point given the fact this company CCS is not producing documentation showing the amount paid, my FSA card has been suspended until either I repay FSA or produce a valid receipt, and I am not able to pay for my medical expenses for me or my family 's, if I choose to repay FSA, I will be paying for this debt TWICE pretty much. 
In no way I am trying to throw XXXX XXXX under the bus on this complaint, I owed them money and I paid it, or so I was led to believe by CCS. 
Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This company discovered a breach of personal information on XXXX XXXX, XXXX and did not report it to the public until XXXX XXXX, XXXX. Meanwhile there is someone putting inquires on all my credit reports because they have my information and the company has failed to inform me or anyone of that matter. It took 6 weeks for myself and other consumers to find out, while in the meantime credit reports and scores are being affected. On top of that in there findings 3 executives decide to sale there share of the company and protect their self and personal information has been compromised. These unauthorized inquires should be removed. 

XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX + XXXX - XXXX, XXXX, XXXX. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX Banks XXXX XXXX XXXX  XXXX XXXX from XXXX XXXX, XXXX + XXXX Banks XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX. 
Use Credit Union Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + XXXX - XXXX, XXXX, XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX  XXXX/fore Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX from XXXX XXXX, XXXX

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

Complaint narrative:
According to Equifax, my information was released in a cyber attack. Equifax failed to protect my personal identifiable information, and I am now at risk for identity theft. I have no business relationship with Equifax, and entered into no agreement with them. They were granted access to my personal information by statute, and as such they need to be held to the highest standards of consumer protection.

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. was hacked yesterday. My details were leaked, according to their website. https : //www.equifaxsecurity2017.comXXXX

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:
There was a data breach at Equifax credit reporting bureau and they have notified me that my personal information was compromised. 
They learned of the data breach in XXXX XXXX, however they took over a month to notify the public. 

I do not feel Equifax has taken the necessary steps to prevent this data breach or to remedy the harmful effects to consumers.

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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax allowed my information to be stolen during a data breach reported on XXXX17

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:
On X/X/2017, I was notified that there was a data breach at Equifax and that I was a potential victim according to their website equifaxsecuirty2017.com. This has put me and millions of Americans at serious risk for identity theft. I believe that a single year of free identity theft protection is not sufficient and should be extended to 5/10/15+ years depending on how much information was stolen. Equifax should also take responsibility and reimburse the affected for putting credit freezes on credit reports as well as compensation for time and money lost for getting a new SSN if needed. The company failed in protecting consumers by not responding in an urgent and responsible manner and I would like a resolution that is fair to all those affected.

Company response to consumer: Closed with explanation