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: 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. It is their sole responsibility to properly secure this 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 — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My data has been confirmed by Equifax as part of their security breach.

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

Complaint narrative:
I read in the news on XXXX XXXX, 2017 that the credit reporting agency Equifax had an enormous amount of personal data stolen through a network hack. After checking the website Equifax provided I was informed I was most likely one of the individuals who had their data stolen. I have put a fraud alert on my account which causes massive problems being that we are about to apply for a home loan and have just recently purchased property. This breach will most definitely set up back several months at the least.

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:
Told I may have been affected by the recent 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: WA

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

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

Complaint narrative:
Equifax was subject to the largest data breach in history and my personal information is now 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: VA

Complaint narrative:
Due to Equifax 's gross negligence with my personal data - vast amounts of information is out in the public now due to their data breach in XXXX 2017. This includes SSN, Address, CC Numbers, Date of Birth - effectively anything someone needs to impersonate me. Equifax 's position as one of three major credit reporting agencies demands unparalleled data security. The fact a web application could bypass this demonstrates a complete breakdown of basic security practices.

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:
This is a complaint stemming from the Equifax security breach reported in XXXX 2017.
I have had to place a fraud alert on my credit history with all credit bureaus. This is going to cause delay in the financing process as I am currently working to purchase a home in a highly competitive market. Sellers in my area are closing from many many offers from buyers and time to close is becoming a huge differentiator in this market. Due to this incident, my time to close will likely be delayed due to the fraud alert requiring additional verification on any credit inquiries. This can make the difference between my family being able to purchase the home of our choice or not. 

As this was a direct consequence of what appears to be negligent security practices on the part of Equifax, it is not out of the question to ask for some remuneration to offset the possible lost time and lost opportunity that we will now experience in buying a home.

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 let itself get hacked then waited two months to reveal this fact.

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:
Victim of equifax security breach https : XXXX Trusted them with this information and they failed their duties as a company to protect my 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: AL

Complaint narrative:
Equifax had a security breach and my data was allowed to be given to hackers, months ago.

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:
I am writing this complaint with regards to the data breach of Equifax data reported on XXXX XXXX 2017 ( but discovered in late XX/XX/XXXX ). I am upset for these reasons : 1. That Equifax allowed this to happen ion the first place.
2. They do n't offer lifetime credit monitoring for free, instead only offering a year.
3. Signing up for this year requires me to relinquish my right to join in a class action lawsuit Please punish this company severely for this breach of trust.

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:
My information ( including social security number, DOB, name, and more ) were affected and exposed by the recent hack on 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: VA

Complaint narrative:
I recently learned that Equifax was hacked and personal data was given to unauthorized person ( s ). I checked if I was among those people and I was. I am afraid my data was given to some entity without my permission nor was it 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: OH

Complaint narrative:
On XXXX/XXXX/XXXX I checked the Equifax website to find out if I was impacted by their major security breach. I received a message that my information may have been compromised. I now need to freeze my credit reports, place fraud alerts on my accounts, submit claims, and hope that my identity is n't stolen and my hard earned credit score and money are not compromised further. 

Although Equifax is also a victim of this hack, it was their responsibility to protect our information. Furthermore, the companies failure to alert anyone about this breech for over a month, as well as their executives actions in selling stock prior to notifying the public is unacceptable and deeply disturbing.

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 recently was part of a cyber attack in which millions of people 's information was compromised. Only way to figure out if you were compromised is to visit a equifax website in which they try to sell you fraud protection. Should n't have to pay them for fraud protection when my information was compromised due to their security and no fault of my own.

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:
On XXXX, on my way to work, I just found out through XXXX that Equifax has allowed my information to be stolen. If only Equifax has been practicing the best methods and procedures and actions and using the best products to safely and properly guard my personal information, my personal information would still be safe and not stolen by any unauthorized person or entity. This is causing me great and undue distress in addition to my XXXX XXXX telling me that I have indications of XXXX XXXX. Now, I do not know how long will I have to be extra vigilant and more cautious about my personal information being used fraudulently. This is too much. I already have several stressors that bog and worry me, and then Equifax allowed this incident to happen.

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: AZ

Complaint narrative:
Equifax had a security breach that affected 143 million people. This is a credit monitoring service. It took them over a month to find the breach. How can ANY of these credit monitoring services be trusted with our very 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 mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX that they  confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

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

Complaint narrative:
Equifax Security Breach. I do n't know how much or what was taken, but I now stand the risk for, well, ever, that someone will maliciously use my personal sensitive information. I have yet to buy my first house, but I now worry that my credit will be misused and negatively impact my ability to borrow or buy.

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: CO

Complaint narrative:
Equifax leaks my personal information, and the information of millions others, and does n't tell any of us, directly, for over 30 days. I learned from the news. Completely irresponsible, the company should be shuttered and its executives driven to bankruptcy. Also, they have the gall to push their services on the site that tells us if we were compromised? Outrageous.

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: CA

Complaint narrative:
My information is compromised on Equifax. I saw the news of a breach and entered my information. I received this response : " Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID XXXX. '' I am unwilling to enroll in another service, " TrustedID XXXX '' from the same company that new the breach happened weeks ago, if not months and did n't tell the public. 
I am filing a complaint against Equifax, it 's lack of security and it 's delay in reporting to me that my information was compromised. I found out from reading the newspaper. This is a breach of trust.

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:
There was a massive data breach with Equifax, and I checked their site and I was told that my personal data may have been compromised. 

I 'm unsure of the date of the breach, but I first became aware of it on Friday, XXXX XXXX 2017. 

I placed a 90 day fraud detection alert on my account with the three major companies. I also got a free credit report from XXXX. Filing this complaint is the last step I plan to take at the moment.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
RE : File # XXXX I 'm complaining because TransUnion have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. 
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from securing employment because of their wilful non-compliance with the FCRA. Thank you.

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: AZ

Complaint narrative:
I 'm concerned with Equifax 's security leak, especially because sources now say that it was due to a 9-year-old security flaw.

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 gathered my personal information and without my consent stored it on their database which they did not protect sufficiently from hackers. As a result my information was stolen and my identity endangered. Their poor data security has endangered me and 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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax security breached. 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: AZ

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.

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 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/XXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' As a result of these revelations I have used the companies website www.equifaxsecurity2017.com which reported that I may be at risk for having my information leaked as a result of the company failing to adequately secure my data. It has also been shown that 3 Equifax Inc. Executives cashed out their company stocks prior to the release of the information contained within this report as reported by XXXX XXXX : XXXX.

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

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 over a month (!!!! ). I received no email, letter, or phone call and instead had to discover it via social media ( even though they have all of my 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: NJ

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 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