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: OR

Complaint narrative:
I am a potential victim of the Equifax leak. My information including my name, Social Security number, birth date, address and drivers license numbers ... possibly also my Credit card number.

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:
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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have been ill for the past month. I have not had control of my finances. I have a checking account with Bank of America. I had some auto payments submitted and they were returned by the bank for lack of funds. I understand that I have to pay the overdraft fees, but B of A wants {$260.00}, when the fees total {$170.00}! Trying to contact someone in the bank 's corporate offices is impossible. You get transferred from one place to another. I am retired on Social Security and I ca n't afford these kind of mistakes. Please help!

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 monetary relief
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank left two voicemails for me today in which they claimed I owed because of a recent dental procedure I had. I have not had a recent dental procedure, outside of a cleaning which I paid for in full at the time. I called them back and spoke with 3 different people, only two of whom provided their names. One was named XXXX and one was named XXXX They both sounded like women. Neither would provide their last names. I explained the situation and was asked to verify my social security number and other confidential, personal information. I did not verify this information as I do not know who I 'm dealing with. Because I would not verify the information, I was told I was not cooperating with their attempts to help me and that I would continue to receive harassing phone calls.

Company response to consumer: Closed with non-monetary relief
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:
This complaint is regarding the Equifax security breach, wherein my information ( along with XXXX XXXX others ) was compromised in a cyberattack from XXXX through XXXX XXXX. The affected user accounts were not informed until 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: IA

Complaint narrative:
Equifax involuntarily released my, and millions of others, private information. This could potentially have a severly negative impact on my financial well being in the future since I am no longer in control of any of it. This happened in early XXXX, 2017 but could linger for years looming over me and others knowing we have been compromised.

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

Complaint narrative:
Equifax has apparently mishandled my information in such a way that I am now listed as a potential victim for future fraud-related activity ( according to Equifax 's own self-help tool : https : //www.equifaxsecurity2017.com/potential-impact ).
Furthermore, I was n't even notified that I may have been affected ; I just happened to stumble across the news on social media and then used Equifax 's tool to verify my information had actually been compromised. Apparently they 've known about the security breach for months, so I find it kind of ridiculous that no effort was made to contact the potential victims - and for the record, that 's over 100 million 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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax, a company which I 've never willingly shared information, has compromised my SSN and other personal info, and hid this for at least a month. This is unacceptable : I now have to spend the rest of my life worried about my life being ruined because of these bags of filth.

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: DE

Complaint narrative:
I 'm filing a complaint about the data breach from Equifax. I heard about it on XXXX XXXX, 2017 and  have found that my information is at risk.

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: IL

Complaint narrative:
they mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

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: FL

Complaint narrative:
Unauthorized inquiries.

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

Complaint narrative:
This is in regards to the Equifax breach. Personally, I think it 's disgraceful that the executives at Equifax felt obliged to sell shares of their company before going public with this news, a clear-cut case of insider trading. 

This will go down as the largest and most severe consumer personal information breach in history do far, and agencies in which consumers have no choice in sharing their information with should be held to significantly higher standards in regards to privacy and information security.

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 allowed it 's database to be breached and my personal information which may have included my name, Social Security number, birth date, addresses and drivers license numbers and/or Credit card numbers. The unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017. As of now no accounts have been fraudulently opened in my name as far as I can tell.

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: NM

Complaint narrative:
Upon entering required information into the web form on Equifax 's site ( https : //www.equifaxsecurity2017.comXXXX ) in order to determine if my personal information ( including my birth date, social security number, etc. ) was stolen by the massive hack that allowed the stealing of about 143 million U.S. customers of the credit reporting agency, the below message was displayed : " Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am extremely worried about what will be done with my personal information that was stolen. 

I have since placed an initial 90 day fraud alert on my file, today ( X/X/2017 at approximately XXXX XXXX  MST.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX COLONY XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it XXXX Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX. Box XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Dc XXXX from XXXX XXXX, XXXX XXXX Wire Inquiry from XXXX XXXX, XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX COLONY XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XXXX XXXX, 2017 I became aware that Equifax was hacked, and sensitive consumer account information was stolen. Upon learning this I went to www.equifaxsecurity2017.com to see if my account was impacted, and discovered that it was. I immediately called XXXX to place an initial 90-day fraud alert on my account. I then requested my annual free credit report to determine if there was any information that I should dispute. There was not, and I also took the opportunity to file the same fraud alert on that website in addition to filing the alert with 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am listed as one of the possible victims of the recent experian credit hack.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax had a security breach back in XX/XX/XXXX in which 160 million people 's personal information, ranging from addresses, drivers licenses, and social security numbers, was stolen. They did nothing to notify those people until XX/XX/XXXX. According to their own website it is likely that my information was stolen.
The only fix Equifax has offered is a year 's worth of identity protection if I waive my rights to sue them in court. Their service means nothing to me when they ca n't protect their own data why would I trust them to protect it now?

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: WA

Complaint narrative:
On XXXX XXXX, 2017, I became aware of a security breach where consumer data held by was compromised. Upon reading the news, I followed links to Equifax 's security website that was handling consumer inquiry about the breach : w
ww.equifaxsecurity2017.com On this site you would enter your name and the last 6 digits of your social security number, and you would be notified immediately if your data may have been compromised. WHAT I DID N'T KNOW is that Equifax had hidden Terms of Use for using th
is service that included waiving my rights to file lawsuit for damages and join in any class action suit against Equifax.
Upon using the service, I WAS NOT ASKED TO ACCEPT ANY TERMS OF USE. They were hidden behind an incredibly small link, and it was unclear what terms of use - if any - actually were when using the service.
This is absolutely unfair and strikes me as fraudulent and negligent. Upon being breached, this company has a duty of care to notify consumers if their data may have been compromised. Instead, they have hidden this knowledge from consumers where they can only access it if they waive their rights. Consumers should be protected from such coercive and opportunistic tactics.
I believe that Equifax knowingly and willfully advertised this service with the intent to deceive consumers and to take advantage of their panic to coerce them into waiving the rights afforded to them by the CFPB and other regulating 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was told via Equifax 's website that I may have been affected by the giant security breach that was reported on XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XXXX, 2017, it was announced that Equifax was the victim of a massive hack due to vulnerabilities in its system. My information was among millions of SSNs, DOBs, names, and even DL numbers obtained and now likely being traded online. Moreover, it has also widely been reported that several Equifax executives sold a large portion of stock prior to the announcement, having already sat on the news for more than a month after the hack was discovered. This reeks of insider trading and maliciousness. Finally, when I went to Equifax to resolve the issue, I was not only waitlisted to receive a woefully insufficient period of credit monitoring ( 1 year ) given the circumstances, I was also informed by its Terms of Service that taking part would prohibit me in taking legal action in the future should my identity 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: WI

Complaint narrative:
Equifax identified a cybersecurity incident on XXXX XXXX, XXXX. The information about the breach was not publicized via a press release until XXXX XXXX, XXXX. 

This breach contained names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX has been compiling, storing, and selling my personal information without my permission. Recently the company experienced a security breach where personal financial information was stolen, including my own. This fact was verified through XXXX. This makes the likelihood of identity theft unacceptably high.

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: MA

Complaint narrative:
My personal information has been improperly divulged without my consent. I was affected by a cybersecurity breach, which equifax should have been responsible for.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There was a major security breach at XXXX. I found out about this on XXXX today ( XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX ( thank you XXXX ). I checked XXXX 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 XXXX, XXXX, and TransUnion. 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 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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There was a major security breach at XXXX. I found out about this on XXXX today ( XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX ( thank you XXXX ). I checked XXXX 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 XXXX, Experian, 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 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: CA

Complaint narrative:
Equifax did not properly store sensitive information ( my social security number ), and has indicated that this information may have been stolen.

Company response to consumer: Closed with explanation