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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I disputed inquires that was not authorized by me on my credit report and no corrections was made. They did not provide proof to me that the information was being pulled and if I authorized it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax waited an unacceptably long amount of time before notifying the public of their failure to secure my personal information and the personal information of many others. 

Equifax did not reach out to the affected users despite knowing already who has been affected. 

A credit freeze should be free but especially in this instance where many people 's credit has been put at risk by the very company who charges the fee.

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: MA

Complaint narrative:
I received notice on X/X/17 that Equifax experienced a data breach and that my personal information may have been affected. The notice informed me that I am eligible for 1 year ( 12 months ) of free credit/identity fraud monitoring. This is insufficient. If I now know that my data and that of 143 million other people is going to be monitored extra closely for 12 months, then the criminals who stole my data now also know that they should wait 12 months before using my data to steal money and commit fraud. How is 12 months of monitoring sufficient? I am very upset.

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: MO

Complaint narrative:
This is in regards to the data breach, reported by Equifax. 
They allowed, through inaction or negligence, my information to be stolen from their company servers. I am now having to place freezes on my credit rating and watch for fraud because of it.

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:
Today I was informed that Equifax has allowed a hack of my person information including social security number, name, address, and other critical data that can be used to steal my identity. 

I used their website to find out if I was affected, and they confirmed it.

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: NY

Complaint narrative:
I was a victim of the Equifax cyber attack that has affected 143 Million Americans. I do not know what information of mine is now public data. I have placed fraud alerts with all three credit bureaus however I have not frozen my accounts yet. I do not believe I should be paying to freeze my accounts to a company that has caused the breach in the first place. Ridiculously irresponsible, and scary for a XXXX year old woman who is working on establishing credit. 

My personal data has been compromised and I received no notice from Equifax before seeking out information on my own. Shameful.

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

Complaint narrative:
On XXXX XXXX, 2017, Equifax released a statement outlining a breach in their systems that impacted approximately 145 million people in the US. Using their www.equifaxsecurity2017.com site, I was notified that my personal information was potentially impacted by this release. I have frozen my credit reports with Equifax, XXXX, and XXXX, and am submitting documentation to complete my freeze with XXXX. I have also placed a 90 day fraud alert on my reports. There is no further action I am aware of that can be taken.

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 puts me and hundreds of thousands of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website and would like a resolution. 

Furthermore, there have been reports of insider trading ( XXXX XXXX XXXX ) by Equifax executives . I would like them prosecuted to the fullest extent that the law provides and their ill-gotten gains to be seized and redistributed for the benefit of national consumer 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: 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 Credit Union was hacked from XX/XX/XXXX to XX/XX/XXXX, but only just notified those affected in XX/XX/XXXX. This has potentially allowed for my information to be used for the last 5 months without me knowing, and/or being able to do anything about it. The company just recently released a website where you can find out if you are one of the millions affected, which it states that I am. 
The only option that the company has given me currently is to put a fraud alert on my account and providing Identity protection which I can not enroll into until XX/XX/XXXX per their website, it is currently XX/XX/XXXX. Meaning that I have an additional 4 days with which I will be completely unprotected. 
I find it unacceptable that an institution, Equifax, with this much power and consumer information, could be so heedless and negligent to those people, who have no other option but to use them. 
As of today the amount that this has cost me is unknown, however it has the untold potential to cost me time, money, and stress in the times to come.

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 personal information was compromised in the Equifax breech. I am placing a 90-day credit alert, but am concerned about potential identity theft.

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 mishandled personal information and allowed their systems to be compromised, resulting in my personal information to be stolen by malignant actors

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:
I was part of the Equifax leak.

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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My personal information was lost as part of the Equifax breech. The company 's handling of this issue, from the lack of adequate security standards, to an unacceptably long time before notifying us of the breech ; was 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: MI

Complaint narrative:
My husband and I were both potentially impacted by the Equifax breach. We feel that this company was negligent in protecting our personally identifiable information and we 're lodging a complaint ( we 're sure one of many ) for the record.

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 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: AZ

Complaint narrative:
EQUIFAX has placed me into a tough situation leaving the possibility of my person information hacked.

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: UT

Complaint narrative:
Equifax has mishandled my information, as well as millions of others, putting myself at risk for identity theft. I am listed as a potential victim on their site, equifaxsecurity2017.com.
They did not notify anyone until months after the breach, and they are not contacting the people whose information was leaked, instead they require the victims to check if their information was 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Part of the 143 million Americans who 's data was breached during the Equifax hack. 

Actions have NOT been taken by Equifax -- they are offering a year of free credit monitoring but if you OPT IN for that, you waive your right to be a part of the class action law suit against them.

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:
Credit and personal information stolen in the equifax data breach announced XX/XX/2017 due to gross negligence.

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:
The credit reporting agency, Equifax, has had a severe security breach to which I have " possibly '' been affected -- not a " yes '' and not a " no ''. While that sounds extremely vague, it is extremely unsettling. I 've heard that the security breach could have been as early as XX/XX/XXXX - XX/XX/XXXX, and it is only now becoming public knowledge here at the beginning of XX/XX/XXXX. I work very hard to pay my bills on time and to establish myself as a trust-worthy borrower. This company has my confidential information, and I am not pleased that their digital security is lacking enough to have had a breach. Not only is my personal information possibly in the hands of others whom should not have it, I also heard that their executives issued an impromptu stock/sharing sell-off prior to the public 's knowledge of this security breach. I 'm not an expert, but that sounds like insider trading to me. From what I hear, and if past occurrences are any indication of the precedent that has been set, this company and its executives will receive a " slap on the wrist '' while other hard working Americans could possibly have their lives ruined due to identity theft or other types of forgery at the carelessness of others. I 'm sure this is not going to be the first complaint against Equifax, or the last, but this is absolutely 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: CA

Complaint narrative:
Equifax leaked my personal data and credit information because they could n't be bothered to properly secure their web services. Millions of people were effected by this, and we are all at risk of having our identity stolen and fraud committed in our names. 

The fix Equifax has offered requires the victim to wave their legal rights to litigation. Equiifax deserves  every lawsuit coming to them.

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:
- '' 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 XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 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: DE

Complaint narrative:
Equifax mishandled my information, which puts me and thousands of other people at risk. I also mentioned 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: GA

Complaint narrative:
Equifax mishandled my personal information. According to their website, equifaxsecurity2017.com I am listed as a potential victim. I would like a resolution to this breach of my security. 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: MA

Complaint narrative:
According to the Equifax website, my personal information may have been compromised in a data breach, putting myself and 209,000 other people at risk. I would like restitution for mishandling of my personal 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax faced a recent security breach and my data was compromised. They withheld news of the breach so select investors could sell their stocks ahead of the pending fallout.

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: KS

Complaint narrative:
Experian has had a leak of personal information and I 've been included in the peak. Their irresponsibility will cause me to use my own time and money to protect myself and fix any problems with my credit history.

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: DE

Complaint narrative:
My credit report was one of the millions that Equifax let leak out to hackers online. They setup a site to identify people. I was identified by them as having my info stolen. In order to help me they want me to consent to never sue them and give up my 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name and social security number were potentially impacted by the XXXX data breach of XXXX 2017.

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

Complaint narrative:
Equifax has mishandled my information, along with the information of 209,000 others, putting us all at risk. 

I am a potential victim according to equifaxsecurity2017.com, and would like a resolution to this matter. 

I have had to place a freeze on all of my credit accounts, which has caused much inconvenience and worry.

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 suffered a data breach that affected 143 million people that are under its service. I used the tool on their page, XXXX XXXX XXXX, to check if this breach has any impact on my ( provided my last name and last 6 of my social security ), it seems that I am possibly impacted by it. All my information including social security number and financial information has potentially been leaked out by Equifax and this is unacceptable. Equifax is trusted with such vital information for such a large percentage of the population, and its unbelievable that a security breach like this was able 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX it came to light that the Equifax Credit Bureau suffered a security breach in XX/XX/XXXX which allowed attackers to access the " names, Social Security numbers, birth dates, addresses and drivers license numbers '' of potentially 143 million customers of the credit agency. In addition, " Credit card numbers for about 209,000 consumers were also accessed. '' My personal information ( and possibly that of 143 million others ) has been compromised due to the mishandling of said information by Equifax. This is unacceptable and should have never been allowed to occur on such a scale.

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 was included as part of the Equifax security breach, made public on XXXX-XXXX-2017 ( www.equifaxsecurity2017.com ). Equifax has mishandled my personal information and the information of millions of other people. In response to this security breach I am placing a credit freeze via all three major bureaus, at a cost out of my own pocket. Equifax is merely offering fraud alert services to affected victims, which does nothing to stop fraud and merely alerts people that Equifax 's lack of proper information handling is now affecting them. Equifax should offer free credit freezing to all affected victims and reimburse any victims that have paid for credit freezes out of pocket.

Company response to consumer: Closed with explanation