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: MN

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 and free for every account, not an option for us to have deal with with an arbitration clause thrown in. 

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 they clearly know if you were affected.

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 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: CA

Complaint narrative:
Equifax security breach potentially exposed my credit information according to 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: VA

Complaint narrative:
Equifax had a major security breach and my information was stolen. I did not consent for this to happen, and am now going to have to spend my limited time and money mitigating this issue.

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: CO

Complaint narrative:
on XX/XX/17 Equifax announced their information was breached through a Cybersecurity Incident, I am on the list of potentially impacted consumers

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 was breached, sharing important personal and financial 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have just found out that my data was likely part of the data breach experience by Equifax. I found this out not by notification from the company itself, but by news articles surrounding the situation and my own initiative to check their website ( http : //www.equifaxsecurity2017.com/ ) which told me that Equifax " believe that your personal information may have been impacted by this incident ''. My complaint is as follows : 1. Equifax should be proactively notifying consumers who are at risk for having their data stolen. This is a massive breach that could have major repercussions for the credit of millions of people. I should n't have to be figuring out on my own if my data was breached and what I can do about it. 
2. I believe that my data ( and all of the data in this breach ) was mishandled in the first place to have been subject to such a major security issue. 
3. It should not cost the consume a dime to freeze their credit due to the negligence of Equifax. Not only does this provide barriers for people to protect their identity ( not every can afford the " low cost '' ), but it makes no sense in a situation like this where data was exposed through no fault of the consumer. Make freezing & thawing credit free and easy.

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:
This is in reference to the hack of Equifax on XXXX and Equifax improperly securing critical identify information, where over a hundred million people may be affected. 

Furthermore, after taking manual steps to analyze and verify my credit information, I am unable to retrieve my credit report from Equifax through the government-mandated XXXX website.

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 leaked my 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXXof this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. 

I checked https : //www.equifaxsecurity2017.comXXXX and the results showed that I have been impacted by this 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax did not secure my personal information and allowed it to compromised. XXXX2017

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:
My personal information and that of my wife was divulged as part of the XX/XX/2017 Equifax breach. I confirmed our data was included on Equifax 's web site at https : //www.equifaxsecurity2017.com/.

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, including me ( verified by their online tool ). Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.

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 an account with XXXX on XXXX and the account was charged off several years ago, the account has since shown up on my credit and the debt company is trying to recollect funds and showing this a charge off in XXXX. I have not had any contact, signed or borrowed anything from XXXX since at least XXXX at best guess making this account at least 17 years past charge off! This needs to be removed from my account.

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: OH

Complaint narrative:
Equifax did not properly secure their servers and were vulnerable to a hack that allowed my personal sensitive information to be accessed along with information of millions of others.

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:
hey 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: 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.

Complaint narrative:
Equifax notified us that it is possible that our personal information had been breached. They offered a system to check to see if it indeed had been breached. My information had not, but apparently my husband 's personal information -- including credit cards and soc sec #, etc. -- was possibly breached. Equifax then offered to give him one free year of monitoring, but said that he had to waive his right to sue if their breach caused him harm and said that he 'd have to pay after one year. On top of that, it appears that the Equifax chief officers sold stock and made a large profit before informing us of this breach. This is outrageous. Equifax should have to make good any harm caused by their negligence in handling our personal information. And the officers should not profit off of this egregious negligence while millions of Americans and XXXX have had private information exposed and may suffer harm years from now because of this. Beyond disgusting and I hope the US Government goes after these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have had excellent credit for several years, my credit score is above 750. I became unemployed due to things I could not control. I have not worked since XXXX XXXX XXXX. I got behind on two discover loans and have talked to them several times about working with me to resolve this problem. I want to pay them as much as they want the money. I became XXXX due to medical problems I cant help, and was recently approved for XXXX but will not receive any income for a month or so. I am supposed to get it after XXXX. I have talked to them about the posibility of lowering my interest rate of 12.99 percent and lowering the payments as the two payments I owe them are almost 900 monthly. I tried to work with a debt consolidation program before I lost my job and they said that Discover has their own debt relief program. This is a farce, since I have tried repeatedly to work with them to lower interest and payments until I get on my feet. I did get two months of unemployment and paid some lump sums on these two bills even though these XXXX would not work with me. I told them I have been struggling to buy food and pay utilities until I get my income on a regular basis but they do not care. I wish I would have not paid the money I did on these bills because I could have used it to pay my personal living expenses. It did nothing to lower my bill or interest rate. Discover XXXX really. They should have tried to help me, especially with my credit rating and constant not missing of payments before this unemployment spell. I do n't know if you can help me or not. 

thanks, XXXX XXXX XXXX XXXX, Texas

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
This is my last effort to resolve this matter before I pursue to taking legal action. 
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.

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 put me and millions of other people at risk. 
I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX from American Express on XXXX XXXX. 2017, and instantly approved. The promotion was to earn XXXX XXXX Honors Bonus Points after spending {$3000.00} in purchases on the Card within the first 3 months of Card Membership. Plus, earn a free weekend night award after the first anniversary of Card Membership. 

I met {$3000.00} spending requirement on XXXX XXXX. 2017. After the first statement was closed, I did not see the XXXX HH points in my account, so I contacted American Express customer service. They said it would take up to 4-6 weeks to get the points. So I waited 8 weeks, but still did not get the points. So I contacted them again twice in XXXX, and they told me they would expedite point deposit, and told me to wait until next statement closing which was XXXX XXXX. I still did not get XXXX HH points as of XXXX XXXX. XXXX. 

As a long time loyal American Express customer since XXXX, this is a disappointing and frustrating experience. Please review this case and deposit XXXX HH points in my account as advertised.

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 recently was hacked resulting in the leaking of nearly 150 million Americans ' credit info, including my own potentially. This is a HUGE issue, not only because of the scope of the hack but because of how deeply we rely on the credit bureaus to monitor our credit. For example, if you 're a person who wants to buy a home someday, unless you 're wealthy, you rely on the credit bureaus for your credit rating to secure a loan. Our hands are completely tied, and we are forced to work with these companies and give them our sensitive information for presumed safekeeping.
An organization with this volume of sensitive data surely would keep this data secure and encrypted, one would think. However, this is not the case. Because of the reckless irresponsibility of an organization we have no choice but to let into our lives, our lives may be changed for the worse as hackers sell or use our personal data for their own gain. There are enough things working against us already ; we do n't need another complication. But now we have to be on guard for YEARS to make sure we are n't victims of identity fraud. I 'm fortunate enough that I know how to monitor my credit, but I 'll still have to deal with any abnormalities when they crop up, and I 'll never know when that could happen. So now I have to check in on my credit every month or so for an indefinite number of years just to make sure I do n't get exploited. 

Please, do everything in your power to ensure that something like this never happens again.

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:
Due to the hack that occurred between XXXX XXXX to XXXX XXXX, Equifax has failed to properly secure and protect my credit data and personal information, including SSN, credit records, my name, and address. 

According to Equifax 's security website, my data has been compromised, and I may be at risk to be a victim of identity theft. I have thus taken actions to set up fraud monitoring on my credit.

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 data breach has put me at heightened risk for identity thef.

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: VT

Complaint narrative:
My information with Equifax has been leaked, and I personally have been affected.

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: TX

Complaint narrative:
Equifax data breach on XXXX/XXXX/XXXX. 

My SSN and various other identifying data were 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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax was been hacked in XXXX XXXX, continuing through XX/XX/XXXX, and they did n't find out until the end of XX/XX/XXXX, and then did n't notify me ( or other consumers ) that our data was likely 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: CA

Complaint narrative:
My financial information has been identified as being part of the data hacked from 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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Mishandled my information, this puts ma and 143 million other people at a high risk. I was listed as a potential victim according to their equifaxsecurity2017.com website.
Lastly, Equifax did not notify anyone quickly enough. Over a month has passed since this breach and he just heard about it on XX/XX/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:
Equifax leaked my 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax data leak. They said I may be affected by it so I am filing a complaint to make sure I was or was 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian mishandled my information, which myself and millions of people at risk for identify theft

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