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:
I have taken basic community college level it security courses and Equifax ( a company I am required to let have my information ) failed to implement rudimentary procedures that I know of. I know have been exposed and have to put additional burdens on myself and my family because of the error they made. I have to pay to freeze my accounts, I have to pay to freeze my wife 's accounts. My information is available forever to any thieves that want it. In addition, the company took almost two months to fess up to the mistake that is XXXX  level and should not be tolerated, let us not forget that top executives in the company were able to cash out stock well before this information became public.

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: CT

Complaint narrative:
My personal information was stolen from Equifax. And then I find out, because I checked to see if my information was stolen, I relinquished all rights to sue Equifax and agreed to arbitration. How can a company get away with this? It provides them no responsibility to ensure your personal data is secure. 

So they could setup a fake identity theft service, I get my identity stolen, and because I checked to see if it was stolen I have no recourse in a court of law? How is this legal!!??

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:
My husband and I applied for a loan last year and bought a home. My information was compromised in the Equifax hack as a result.

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: MO

Complaint narrative:
Equifax has been hacked and after filing with them I 've found that my information may be impacted by 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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, For the last month I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact.

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: IN

Complaint narrative:
Recently, Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.SXXXX customers. The company set up a website, XXXX, to determine whether or not customer 's information was compromised. 

After accessing the site and entering my data, it revealed that my personal information may have been impacted by this incident. 

Following this, I attempted to run credit reports with the 3 major credit reporting companies, and attempted credit freezes ; I only managed to do a credit freeze with Equifax, ironically, and only obtained a credit report from 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: NY

Complaint narrative:
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. According to their website ( www.equifaxsecurity2017.com ), consumers can use to determine whether their information was compromised, my personal information may have been impacted by the attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have multiple student loans with navient, but only 2 of them are showing a negative report on my credit. In XXXX & XXXX of XXXX it is showing no payment has been made, I reached out to the company to inform them that during this time ( also plenty months before and after this time ) my accounts had been in forbearance but I never did receive an official response after numerous attempts to correct the issue. I need these negative items to be removed from my report because they are hurting my payment history and score.

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 reported a data breach affecting almost 200 million people, admitting to having had inadequate protections in place. In response, Equifax is offering a year of identity protection services - starting next week, and included verbiage in the agreement that negated the consumer 's right to sue ( clearly a XXXX measure ). 

As one of the " big three '' credit reporting agencies, Equifax should have had better data security in place, and should not be removing consumers ' legal options in the aftermath of such a colossal 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: GA

Complaint narrative:
On XXXX XXXX, XXXX, I attempted to place a freeze on my credit file with Equifax, at XXXX XXXX XXXX After entering my information and my credit card information, I received a message saying I had to submit the same information by mail. By contrast, XXXX  and XXXX were both able to place a freeze on my credit online, with the same information. 

This is an unreasonable burden that dissuades consumers from trying to protect their credit. If further verification is needed, then Equifax should perform it online or over the phone.

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:
As of XXXX/XXXX/XXXX, Equifax tells me that their extensive records of my personal information may have been stolen, putting me at high risk for identity theft. 

As a XXXX adult who is interested in making investments and becoming a homeowner soon, this is very distressing.

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 have been informed through Equifax that my personal information was part of the hack that accorded in XX/XX/2017. It seems that I was part of those who were most affected by having my name, address, SSN, and Credit Card information hacked and totally compromised. So far I have n't been made aware of any identity theft against me, but I appear to be most 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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has failed to keep my personal information private with their recent breach. 
My identity is at risk for fraud.

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 had improper security protocols that led to a hack of their system that put my personal identifying information in the hands of unauthorized people. 

Despite having affected over 100 million customers, Equifax did not properly notify the affected parties for nearly one month ( XXXX 2017 ) after the hack was detected.

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 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: OR

Complaint narrative:
XXXX XXXX : Equifax learned about a leak of consumers information XXXX XXXX : Equifax publicly announced the hack XXXX XXXX : I learn I personally was affected by using their website, equifaxsecurity2017.com XXXX XXXX : I learned my personal information has been stolen for multiple months before I had any chance to take protective measures XXXX XXXX : I learn they 're only willing to provide 1 year of credit monitoring in exchange for a lifetime of exposure and giving up many legal rights

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: NC

Complaint narrative:
My wife and I possibly had our personal information leaked as part of the Equifax data breach this XXXX. We are taking legal steps to protect our information and finances. This is a notice that we are taking immediate and all available action. We have alerted XXXX for an initial fraud alert. We will be monitoring our accounts. We may enlist in a third party identity protection agency, not connected to Equifax, for further protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX, Equifax reported that they had been breached. My information was mishandled, which puts me and millions of other people at risk. I requested a credit report today, XXXX/XXXX/XXXX, which told me that someone had filed a request for a new credit card on XXXX/XXXX/XXXX with my bank. There is also an additional phone number that is not mine on my credit report. I am also listed as a potential victim according to their XXXX website, and would like a resolution. In my opinion, credit freezing should be made free for anyone who was affected by this situation.

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 information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when it is clear who is affected by the 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian did not take normal and expected measures to protect my credit information. As a consequence, my personal information was part of the XXXX 2017 hack. If I were ever given the option by Experian, I would not have allowed them to store my information in the first place!

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:
Hi there! I am filing this complaint in regards to the recent Equifax Hack. I visited Equifax 's site ( https : //www.equifaxsecurity2017.comXXXX ) and checked my Last Name/Last 6 Digits of SSN and it says " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' As a result I am filing this complaint. I believe my info was mishandled in being included in this hack. 

Thank you! 

Kind regards, 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: NY

Complaint narrative:
Equifax was hacked and their website indicates my personal credit data may be among the files compromised. This is an inexcusable breach of security on the part of a company that never received my consent to collect such data on me in the first place. In addition, recent media reports indicate executives at Equifax knew about the breach and took steps to protect their personal profits before informing the public about the 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: PA

Complaint narrative:
It appears per Equifax 's website, it appears my personal information may have been compromised in the mass leak in regarding to my credit information as well as varying types of personal information including SSN and DOB. I have checked via my last name and last 6 digits of my SSN per their direction which they identified may have been impacted in the hack. In addition, a charge of approximately ~XXXX dollars was made on my credit card account on X/X/17 from Florida for a XXXX XXXX purchase. I do  not reside in Florida. Luckily I informed of the breach from my company and they were able to deny the charge on my account.

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: CA

Complaint narrative:
There is a person with the same first and last name as me and we share a birthday His middle initial is XXXX Mine is XXXX. I have never lived in XXXX or XXXX CA. 
I have had this problem for over 20 years. 
He owes back child support. I am XXXX with XXXX children. 
Please help Thank you

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:
My personal information was compromised because of Equifax and their incompetence. Upon learning that my information might be compromised, Equifax made no attempts to contact me. I had to find out from an online non related source that my information was possibly compromised. So the date that I found out is XXXX/XXXX/XXXX, but the date of the breach is unknown to me. Now I have to monitor and possibly freeze my credit. I can anticipate having my identity stolen and the pain that comes with they. All thanks to Equifax being incompetent, lazy, and criminally negligent.

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: KY

Complaint narrative:
Equifax was hacked XXXX XXXX leaking the personal details of more than 140 million users of which I was included. Equifax waited months before reporting this while executives dumped stock. Equifax is only offering a single year of credit protection servers from a company they own. In order to use this, you sign away your rights to sue them. All of this is wrong.

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 experienced a security breach and I have been identified as a potential victim. As a result, it 's possible that unauthorized parties have accessed my social security number, date of birth, address, and other private information that can be used to steal my identity.

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: TN

Complaint narrative:
Equifax is one of the 3 major credit reporting agencies, and utilizes my information ( without my consent ) that can have a dramatic negative impact on my life. It appears they failed to protect consumer information, and, when they were hacked, executives sold off stock before even notifying the public ( insider trading? ) of what had happened. The notification that they had been hacked and that about 50 % of the adult population 's information was at risk took more than a month, which is more than enough time for identity thieves to wreak their havoc. Furthermore, to even check to see if your information had been compromised, they required agreement to an arbitration clause. Equifax 's actions are disgusting, and clearly they failed in their duty of protecting people 's identifying information. They should be disbanded, executives jailed, and we as a country seriously need to look at how much credence we give not only to our credit reports but the use of archaic SSNs which are easy to steal and thus use to destroy someone 's life.

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:
Miss handling of personal information cause by gross negligence of said company. Their website equifaxsecurity2017.com stated that I am currently under suspicion of having my identity 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:
My personal information may have been leaked by the Equifax cybersecurity incident on XX/XX/XXXX ( https : //www.equifaxsecurity2017.com/XXXX ) which was reported to the public on XX/XX/XXXX. Their website confirms that my information may be have been compromised ( https : //www.equifaxsecurity2017.com/XXXX ).

Company response to consumer: Closed with explanation