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: OH

Complaint narrative:
Equifax did n't properly use it 's considerable assets to protect my personal data despite making insane amounts of money. Deplorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
We have reached out to our mortgage for help only to be lied to and denied help. We are eligible for a loan modification and are still being denied. We also are eligible for a forebearance or repayment plan which we are also being denied.

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: NE

Complaint narrative:
Equifax did not properly protect my information. Through cyberhacking, my account was compromised, according to Equifax 's Web service ( https : //www.equifaxsecurity2017.com/potential-impact/ ), as I discovered on XXXX2017. Equifax seems to be offering " one year free '' identity theft protection. Because of the nature of this breach and the information obtained by the hackers, this is a patently inadequate length of protection considering that anyone with my information can simply wait one or any umber of years before attempting to steal my identity with it. This is therefore is nothing more than a means to force victims caused by Equifax 's inadequate security, to purchase their service once it expires. My identity information was not divulged with my consent. Furthermore, as of today, XXXX2017, Equifax 's " free '' identity theft service agreement includes a provision that, unlawfully, binds the user of the service to arbitration. This shows bad faith on the part of Equifax and its managers in dealing with customers. Finally, three top executives sold large amounts of shares in their company before the news of the breach was public. This implies that they intended to enrich themselves based on this breach and the suffering of their 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: MD

Complaint narrative:
Equifax failed to secure my and 148 million other people 's vital information. To say I am angry is an understatement. Equifax seems prepared to offer one year of credit monitoring for free then charging each year after that. Do i have to pay for their mistake? This is crazy.

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 HAS ALERTED ME THAT MY PERSONAL INFORMATION SUCH AS SOCIAL SECURITY INFORMATION AND ADDRESSES AND ALL PERSONAL INFORMATION MAY HAVE BEEN RELEASED MAKING ME EXTREMELY 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: WA

Complaint narrative:
I was identified on XXXX as having been a victim of the recent security breach ( Today is X/X/2017 ). The intrusion was discovered by Equifax, according to their statement, on XX/XX/XXXX. This is an unacceptable length of time to wait to notify the public. 

Additionally, while Equifax is offering " free '' credit monitoring for 1 year since I am a victim of the breach, this is a trap. The arbitration clause included in this free monitoring would prevent me from being able to sue them for damage caused to me by the 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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There was a major security breach at Equifax. I found out about this on XXXX today XXXX XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX XXXX thank you XXXX XXXX. I checked Equifax and it told me my information was likely compromised, but that I should contact them on XXXX XXXX, XXXX to take further action. At that point I decided to freeze my credit through Equifax, XXXX, and XXXX. Not only is this inconvenient for me, but I had to pay a total of {$20.00} to do this. So, in essence, I am having to fund the company that lost my information in order for them to agree not to further release my information. That is unacceptable. 

I also find the entire credit reporting racket to be unacceptable. We can not track our own credit scores without paying for a service. We can only get credit reports for free once a year. There are no posted guidelines on how to improve your score because each place has their own proprietary way of handling things. 

Identity theft is just going to get worse if we insist on having everything tied to a social security number. Giving these credit bureaus full control over all the buying power of Americans, without them having to say how to improve your standing is also terrible. This should be a wakeup call that this needs to change. It is only going to get worse if it does n't.

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:
I am included in the list of potential victims of the 2017 Equifax cybersecurity incident, which means intruders may have accessed my name, Social Security number, birth date, address, driver 's license numbers, and credit card numbers. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XXXX 2017 through XXXX 2017.

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

Complaint narrative:
Equifax has alerted me that my identity has been compromised. I have placed a freeze on my Equifax credit score as of today.

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 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 2017-09-08 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 , Inc., a consumer credit reporting agency, said on Thursday, XX/XX/XXXX that they were the victim of a massive cyber security hack, which divulged the information of 143 Million Credit Card Users. Hearing about this, I checked to see if my own personal information was stolen by using the URL : ( https : //www.equifaxsecurity2017.com/potential-impact/ ).  It was reported to me that my personal information has been impacted by the current hack. Information has come forward that Employees and Officers at Equifax have known about the breach sinceXX/XX/XXXX, and have been instead been selling off stocks. Because of this, I feel that Equifax has n't even done 1 % of enough to keep my information safe or to take care of their own faults. I feel they have n't been fully forthcoming and have n't been as proactive to protect their users and the data shared with them from other consumer credit reporting agencies.

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: IL

Complaint narrative:
Equifax by lax security allowed mine and 145 million other Americans DOB and SSN information to be 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: CA

Complaint narrative:
On XXXX XXXX, 2017 news was released that Equifax had a data breach. According to their website, my personal information may have been compromised. As a leading credit reporting agency, I am disappointed that they did not have the security precautions necessary to prevent this hack. I am also upset that executives of the company acted in poor conduct by selling stock days after they were told about the attack.

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: FL

Complaint narrative:
My personal information was affected in the Equifax data breach disclosed in XXXX 2017, some 5 weeks after the incident occurred. During that time, 3 executives sold nearly 1,750,000 USD stock. When the stock was sold, Equifax then disclosed that there was a data breach. 

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: WA

Complaint narrative:
EquiFax has mishandled my personal information which included my name, Social Security #, address, birthday, and more, which puts me ( and the millions of others this breach affected ) at risk. I am listed as a probable victim on the XXXX site. On that site, they are trying to get people who are affected to sign up for a trial membership of an ID protection service that WAIVES THEIR RIGHTS TO SUE.

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 — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to Equifax my personal information may have been obtained by hackers that hacked Equifax 's servers and made off with millions of people 's personal information. I received confirmation that my information may be compromised by Equifax 's security site that offers a years worth of free security for people that may have been affected. Although on the surface this seems like a nice gesture, Equifax is actually taking advantage of this data breach in order to wash their hands of legal responsibility by getting victims of this hack to sign up for their " security service '' which binds the victim 's hands in a legal sense. Not only that, the heads of Equifax knew about this hack and took advantage by selling off their stock to protect themselves rather than face the consequences of this hack. Equifax is proving that they do not care about the countless people affected who did not request that their personal information be held by Equifax and have created a situation where their backs were saved while everyone affected has been left out in the cold.

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

Complaint narrative:
I believe I am a victim in the Equifax data breach on XXXX XXXX XXXX. As far as I know, my Identity has not yet been stolen, and I placed a 90 day fraud alert on my file. I believe my personal data was managed poorly by Equifax, and that they should be held accountable for any damages that may befall me due to 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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax 's systems were recently struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. As of XXXX XXXX, XXXX at XXXX, I am listed as a potential victim of Equifax 's cybersecurity incident according to Equifax 's equifaxsecurity2017.com website, and would like a resolution. Equifax has mishandled my information, which puts me and millions of other people at risk. 

Thank you, 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: OR

Complaint narrative:
I am one of the individuals likely affected in Equifax 's security breach. They inadequately protected my credit information, and did not respond in a timely and appropriate manner once the security breach was discovered. I have put a fraud alert on my file and checked my credit report through 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: CA

Complaint narrative:
I was one of the victims of Equifax who 's information was potentially stolen in their security 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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax website says that my information may have been part of their breach. They are still charging me to freeze and unfreeze my credit reporting. This is outrageous! They should freeze my credit and not require I pay them to do it, they were at fault.

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:
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: OR

Complaint narrative:
My information was included in the XXXX 2017 security breach of Equifax. I have requested a 90-day credit freeze through XXXX but received an error when requesting my FCRA free credit report from Equifax to verify its accuracy.

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 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 2017-09-08 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:
Equifax discovered a massive security breach of confidential information including but not limited to social security numbers and names of their consumers. In addition to this lapse in security of important information they did not see fit to notify the affected parties until over 2 months after the fact. 

They have made no sincere attempts that are visible to the consumer to correct this error and have instead sought to intimidate the consumers for their own mistake by adding an unenforceable arbitration clause to the complimentary credit monitoring service they are offering to affected users.

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

Complaint narrative:
I had my credit information improperly exposed by Equifax. Their negligence led to my information being exposed to hackers.

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 received a message that I was potentially affected by the recent credit breach. I checked X/X/17 through their website to receive that message. I did not sign up for their monitoring, which required me to waive rights to legal action against them, which was unacceptable in my opinion. It was also unacceptable that this breach happened weeks ago, and I 'm only finding out now. I have filed a fraud alert through them, and have checked my credit report through 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: TN

Complaint narrative:
I found out that Equifax allowed for my personal identification information to be stolen. I have tried to place an alert on my account but they say they are unable to do 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: MD

Complaint narrative:
They state my information has been affected. so without my consent my information was taken.

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:
Due to the recent news of the Equifax hack, I have checked with Equifax to see if my information has been compromised and stated that it might be. I assume that this automated response from Equifax means that my SSN and all my personal information has been compromised. I have not been notified in any way from Equifax regarding this matter from any type of communication.

Company response to consumer: Closed with explanation