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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax discovered in XXXX XXXX that they were subject to a data breach starting in XXXX XXXX but did not report it to consumers until XXXX XXXX. This subjected consumers to a security risk that they have been unable to do anything to mitigate. 

On top of that senior executives in the company have suffered no losses because they have cashed out before the announcement. This represents unfair trading practices. 

Third, they are offering a service in relation to the hack which requires users signing up to waive their ability to participate in a class action lawsuit. This is a move designed to protect the company and not the consumer, the true victim of the data breach. 

These moves demonstrate a reckless and negligent attitude toward managing sensitive data.

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: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My personal private info was leaked in the Equifax 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 a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax was aware of their security beach in XX/XX/XXXX. It is now XX/XX/XXXX and they only just made people aware of it. I was personally compromised in their data breach. It is ridiculous.

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: NJ

Complaint narrative:
I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

Equifax mishandled my information, which puts me and millions of other people at risk. They did not notify me quickly enough for such a potentially harmful issue. 

I have put a freeze on my credit report but they sat on the information for so long I have no way of knowing if I was impacted yet or not.

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: NY

Complaint narrative:
My problems are three-fold : 1 ) Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency and did not issue information regarding the attach until MONTHS after the fact. Long enough for their employees to sell company stock at a higher price KNOWING price-per-share would plummet after revealing such a wide reaching leak of information. 2 ) Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, as well as credit card numbers for millions of people. 3 ) Equifax did not take proper security measures to protect their digital site and by not doing so, allowed hackers to target vulnerability within their network to gain access to personal files and information. 

Absolutely disgusting.

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: IL

Complaint narrative:
Equifax had a data breach and my information was included. This is an unacceptable use of my personal information and is potentially damaging to my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
I have been contacted by XXXX XXXX regarding an alleged debt that they are saying I owe. I have no idea about this debt and I am very frustrated that they have put this on my credit report. They have sent me a contract with typed name on it which is not a signature. Anyone could have typed this template contract up. They have still not responded to my letter that has been sent to them asking for a mac address id where this alleged electronic signature was generated from. XXXX XXXX have been very rude when I have been asking about this alleged debt. The contract says XXXX but my credit report says XXXX XXXX XXXX which is two different companies,

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax was hacked, leading to exposure of my SSN and other details.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I opened this account in XX/XX/XXXX with XXXX, in the amount of {$3600.00} this account is now showing up with another lender ( XXXX XXXX ) I have not had any contact or activity on this account with anyone from XXXX since at least XX/XX/XXXX ( best guess ). I have not signed any new papers or taken any new loans with either XXXX or XXXX, XXXX. This needs to be removed.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I opened this account in XX/XX/XXXX with XXXX, in the amount of {$3600.00} this account is now showing up with another lender ( XXXX XXXX ) I have not had any contact or activity on this account with anyone from XXXX since at least XX/XX/XXXX ( best guess ). I have not signed any new papers or taken any new loans with either XXXX or XXXX, XXXX. This needs to be removed.

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 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: CA

Complaint narrative:
I was listed as one of the people potentially affected on https : //www.equifaxsecurity2017.comXXXX by Equifax 's securitt breach. I feel that my information was mishandled and I, along with millions of other consumers, was put at risk. I hope for a speedy 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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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: WI

Complaint narrative:
Equifax mishandled and failed to protect my personal information, which puts me ( and millions of other people ) at risk of identity theft. This is unconscionable as Equifax is supposed to increase my ability to protect myself against these kinds of threats, and instead they exposed my critical personal information to criminals and thieves.

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 did n't take appropriate measures to protect my SSN, DOB and full address. This greatly exposes me to fraud over the next several years. 

Having Equifax offer an opt-in solution for a single year is far from sufficient - because its easy for criminals to just sit on the data for a year before using it. Also since the protection is opt-in, you can count on low participation rate. I 'm sure Equifax knows all of 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: TX

Complaint narrative:
Equifax allowed a leak and therefore 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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax did not protect my information and I was notified I was part of the information leaked.

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: IL

Complaint narrative:
Equifax put my identity 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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My complaint is with XXXX XXXX bank and my previous card ending in XXXX. According to XXXX my account was hacked somehow I think my card was skimmed because several people in this small town had theirs skimmed as well. 
XXXX XXXX REFUSED to alert me to strange expensive purchases and even though they took it upon themselves to block a lot of phony purchases they decided to keep everything a secret. They closed my account and ALL ACCESS FOREVER TO MY PREVIOUS TRANSACTIONS. My credit score crashed 100 points because of them and I have proof that I 've been using this card almost  like a cash card paying off my balance in full OR MORE OFTEN EVEN MORE THAN THE FULL AMOUNT I do all of this to rebuild my credit and it was working my FICO score went up about a 100 then crashed IMMEDIATELY WHEN THE HACKING STARTED. 
XXXX XXXX PROMISED ME that they would contact Experian to explain but they just told me that was a lie to get me off the phone. XXXX XXXX violated their own posted rules by refusing to alert me when my account was being hacked then denied access to my own information. It 's hard enough to recover from bankruptcy and I even took a class as to how to rebuilt my credit but you allow these guys to do whatever they please with zero consequences. I 'm still being transferred from one incompetent agent to another with as always zero results.

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

Complaint narrative:
On Friday, XXXX XXXX I was notified that there was a security breach with Equifax. I learned from their website that I am effected by this and it is likely my full name, social security number, address, and even my drivers licence number has been stolen by criminals, and I may experience possible identity theft. I am now advised by a different website to freeze my credit, as well as take many other steps to try and monitor the situation- costing me much time, effort, and money.

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: NC

Complaint narrative:
I was listed as one of the potentially impacted people on the Equifax credit 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: FL

Complaint narrative:
On XXXX XXXX, 2017 I checked to see if my information had been compromised through equifax 's security breach. It was indicated my information may have been 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: IL

Complaint narrative:
Equifax compromised all my personal information. There current offer of 1 year protection is ridiculous. My information will not change even when I XXXX and it is now out there for someone to use. This is unacceptable and their response is laughable. Something needs to be done to a company that I have no control over my data with.

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: NJ

Complaint narrative:
My personal information was hacked from the Equifax system and was discovered in XXXX and we were just notified of it as of XXXX XXXX. They spent over a month knowing this information and not letting us know. It is a HUGE risk for millions of Americans including myself and I am very worried.

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:
These XXXX leaked my information to XXXX and everybody. Please send them to XXXX to be XXXX, where they know how to handle these kinds of things.

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 with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked with Equifax to see if my personal information was comprised and I was prompted by Equifax to enter the last XXXX digits of my ss # and last name. I 'm shocked the company is asking for this information after a breach, and I pulled really XXXX move and entered my info and wife 's info. 

Here is the article - https : 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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
You mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to your XXXX website, and I 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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am part of the Equifax Security Breach that occurred in XX/XX/XXXX and that was publicized in Early XX/XX/XXXX. I feel that Equifax did not do enough to protect my personal and highly sensitive information from this breach. I am now worried that my personal information is at risk for identity theft and other fraudulent uses. I do n't think one year of credit monitoring will protect me from this massive misuse of mine and millions of other '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: UT

Complaint narrative:
My SSN, DOB, full address, DL number and Credit card numbers have been stolen in a breech at Equifax. The company never contacted me to let me know.

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:
I am an individual who is potentially impacted by the Equifax credit bureau leak. This comes as the result of gross negligence and makes me a risk for identity theft for the coming decades. 

Operating a system that was easily defeated, after storing my name, address, DL #, CC # and SSN in plain text is not only foolish, but dangerous and willfully negligent. In addition to this, the time delay of notification, as well as the corrupt affect checker is in serious breach of the law.

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: MN

Complaint narrative:
My personal information has been compromised due to the recent Equifax 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My personal information was stored by Equifax in an insecure manner. They have now alerted me to the fact that this led my information ( name, SSN, birthday, etc. ) to be stolen on X/X/17. I now must proceed assuming that this information is public due to the negligence of Equifax.

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: LA

Complaint narrative:
According to the Equifax website for determining if I am part of the major personal information breech reported on XXXX XXXX, XXXX XXXX https : /XXXX ), I am believed to be at risk and my personal information has been compromised. 

A data breech on this scale is utterly irresponsible and totally unacceptable.

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:
Disgusting misuse of personal information including XXXX, driver 's license, addresses.

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:
This complaint is being filed in response to the discovery that my information was likely among those compromised in the Equifax data breach that recently occurred. 

I discovered this breach on Friday XXXX/XXXX/XXXX and placed a freeze on my credit immediately thereafter. I 'm waiting to hear about next steps and have contacted my bank to establish next best steps.

Company response to consumer: Closed with explanation