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: FL

Complaint narrative:
I was made aware today that Equifax had a security breach, for about two months, a few months ago and just let me know that it happened. I checked with their website and they claim I am one of those affected by the breach. 

In that breach, I have had my SSN, my address, my driver 's license, and other information stolen. Now I have to put a fraud alert on my credit report to ensure that I am not a victim of identity theft, or at least to stay a step ahead. 

In fact, I recently ( around XX/XX/XXXX ) had an issue with my XXXX card where all my information was changed. My address, my e-mail, my phone number. They changed everything and tried to switch the address to somewhere I have never been and requested a new card. Luckily, XXXX saw that issue and contacted my promptly. 

It is very likely that they had my information in the first place due to this breach. I was inconvenienced and had to have my account closed and open a new one.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
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 XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

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: IN

Complaint narrative:
Upon news reports of the Equifax data security breach, I used the available resources from Equifax to determine if my personal information was affected. Per the Equifax resources, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Since Equifax was breached at times between XX/XX/XXXX and XX/XX/XXXX and did not notify me until XX/XX/XXXX, I believe Equifax to have violated my rights as a credit consumer by not notifying me in a timely manner. They left me exposed to potential fraud against my accounts. 

In addition to failing in their responsibility to notify me in a timely manner, their offer of a year of free credit monitoring - which will auto-renew and begin charging me unless I automatically cancel, is an insult on top of the potential injury.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is about the Equifax hack. I want to find out if my information has been compromised by the hacking but the terms-of-use on the Equifax site set up to do so waives my right to join a class action lawsuit against the company should I see if my personal information, including social security number, was compromised. I refuse to waive my right to a law suit against the corporation should it turn out that I am a victim of the hack. I have no faith in the corporation that a written statement seeking to anull the arbitration clause in the terms-of-use would be accepted even if the letter was received within the required 30 days. A credit report would only be of use after my account was used, should it happen. There absolutely needs to be another way to check if my information was compromised.

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: Trouble using your card — Account sold or transferred to another company
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
In the month of XX/XX/XXXX I opened a new account with fortiva credit card for a {$400.00} credit limit in the same month I went over my limit and immediately made a payment to get the over limit payment down. In the same month of XX/XX/XXXX, Fortiva closed my account and put my card in collections. I understand I went over my credit limit but they were unable to answer why I was put into collections even though I made a payment.

Company public response: Company believes it acted appropriately as authorized by contract or 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: VA

Complaint narrative:
Today, X/X/17, Equifax mishandled my information, putting myself and so many millions of other people at risk of identity theft, for the rest of our lives. I was informed by Equifax that I am affected by this data breach. They have shared all of my data, some that can never be changed, with who knows who - with everyone, essentially. My private data is now public, and there is no going back, for the rest of my life. 

Free freezing of my credit should be offered ; that they can now profit, indefinitely, from their negligence by charging me to freeze my credit, or to monitor it after a short period, is unacceptable. They failed completely in their most basic duty : protecting personal information from identity theft. They 've compiled massive amounts of data on millions of people, and failed to safeguard it, essentially handing over this data to scam artists on a silver platter.

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:
Equifax leaked my name, social security number, and address in a security incident.

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

Complaint narrative:
My personal information has been released to the public. My Social Security number, birth date, and addresses were included. I am not sure yet if my credit card numbers or driver license have been affected.

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

Complaint narrative:
My personal data was part of the Equifax breach, which means I can now look forward to a strongly increased chance of identity theft in my future. Equifax failed to adhere to basic common sense cybersecurity protocol when it came to storing and protecting my data. It also fumbled the response and the damage-control process, reducing opportunities for people to respond effectively to preserve the privacy of their personal information. Equifax behaved carelessly and sloppily, to the point of near-malignancy, when handling what should have been its most sacrosanct and fundamental priority : keeping people 's data safe and out of the wrong hands.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My personal information my have been part of the Equifax hack that has recently happened

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:
The Equifax hack leaked my SSN, date of birth, and address. It was confirmed on the Equifax website that I was affected by this. That 's just lovely ...

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:
A security leak affecting Equifax rendered my financial information potentially vulnerable to use by criminals who may steal my identity. There is nothing I can do to ensure that my social security number is n't used by someone years from now to steal my identity.

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:
The credit company Equifax was hacked and my data was stolen from their storage servers. This was reported by Equifax in early XX/XX/XXXX, however, they were aware of the breach on XX/XX/XXXX. I am now at risk of being a victim of fraud more than I have ever been in my entire life. I have been a victim of credit card fraud twice and I am extremely careful with my finances.

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 ALLOWED the leak of my very sensitive personal financial information and kept quiet about it for about a month until the company 's directors were able to dump their shares of stock. I was one of the 100+ million Americans affected.

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

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
Cavalry has been reporting erroneous debt information on my credit report and refuses to validate the debt. I have contacted them numerous times, most recently on XX/XX/XXXX and XX/XX/XXXX and still have not received validation and they continue to report and resume collection activities, all in clear violation on the 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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

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

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

Complaint narrative:
My information was hacked and now I need to be hyper vigilant about my credit. I did n't need this added stress in my life.

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:
Hello, I believe I am one of the affected people from the security breach that happened with Equifax that happened XXXX 2017 as I have discovered from their website, https : //www.equifaxsecurity2017.com/ 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: FL

Complaint narrative:
I am a victim of the recent Equifax security breach. In this breach, I have lost, at minimum my address, driver license, SSN, and birth date. I am learning of this today, at least two months after the breach happened.
Approximately one month ago my online banking access was stolen and several transactions were made before I was alerted. The perpetrator 's had used my SSN to change my online banking password, created an account to transfer my money into, and initiated transfers from my own bank account to theirs. The only way to commit this type of fraud is to use the victim 's social security number. This happened on Friday night. Because of my bank 's policies, I could not access my account until Monday. On that Monday I had to withdraw everything, and file a report. I had to close my account and change all of my banking information for all of my bills. I ended up leaving the bank I had had for more than 7 years because I believed it was a problem with their own security that caused this incident. I ended up being one or two days late on several payments due to the timing of the fraudulent activity, and it has since negatively impacted my credit score. 

I realize now it was not my bank who was at fault, but Equifax, who decided to just now make this breach information publicly available. My bank still has not resolved my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pono Ventures Inc.
State: HI

Complaint narrative:
Harassment at my workplace ' telling my employer it 's a urgent matter. Collector come to my place of work. Not introducing who they are and who they work for. Leaving a phone number to call immediately. They said they work for XXXX XXXX court and court Summons me. Telling me that ' they will come to my house so I can receive the court letter. And no one will be able to receive it but me.This is the first time they had contact with me and a lot of harassment happen. I almost got fired my work. 
First contact XXXX haole lady went to my workplace in the morning Second contact XXXX/XXXX/XXXX a man pretending to work for state court XXXX pm Third contact XXXX/XXXX/XXXX harassing me to pay the debt ' without me looking to such matter. 
Too much for one day '

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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:
Equifax security breach exposed my name, Social Security number, birth date, address and drivers license number as well as Credit card numbers possibly.

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:
On XXXX XXXX, 2017 I was made aware that my personal and identifying information was likely compromised as a part of the Equifax breach. Using my partial SSN and full lastname I completed the service provided by Equifax and was informed that Equifax believed my personal information " may have been impacted by this incident ''. I made an attempt to contact the company on their website but the page was unresponsive and due to the amount of people affected I was unable to get a hold of anyone over the phone.

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 was hacked and I used their tool to see if I was affected. I entered my last name and last 6 digits of my SSN. It said I 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: CA

Complaint narrative:
My information has been compromised as a result of a data breach of Equifax. The exposure of my Social Security Number is an extremely serious offense and I deserve to be fairly compensated for the possible 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 repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XXXX/XXXX/17 I was notified of a hacking on Equifax 's database. Through their fraud checking website I was made aware that my personal information, including social security card, name, and birthday, may have been compromised in this hack. 

On top of this, after checking with equifax about the chances of your information being compromised, they offer a year of protection for free but in the terms of service it says you waive your ability to file a lawsuit.

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

Complaint narrative:
I was affected by the recent Equifax security breach and Equifax believes that my information including social security number, driver 's license and address may have been compromised. Though I understand Equifax was a victim of the hack, I entrusted them to keep my personal information safe and secure.

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: TX

Complaint narrative:
Equifax was hacked and my information has been leaked including the answers to my security questions. They have offered 1 year of protection for free but that does not guarantee my safety as all it takes is the criminals to wait one year to use my information to open accounts in my name. With my security questions they could also gain access to my bank accounts as well. This is very concerning and 1 year of protection will not protect me for long and will not protect me from all possible damage or heart ache this will surely cause.

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 — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax leaked my credit information and identity

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:
I was involved in the Equifax Data breach in 2017. I have already received calls from various potential lenders trying to follow up on my recent credit application, which was n't submitted by me.

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: TX

Complaint narrative:
On XXXX XXXX, 2017 Equifax exposed my sensitive financial information via a data breach on their servers. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, Equifax said. Upon learning of the breach i used Equifax 's own website www.equifaxsecurity2017.com to verify I was a victim.

Company response to consumer: Closed with explanation