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: TX

Complaint narrative:
I learned on XXXX that Equifax failed to sufficiently secure my personal & financial information, including my name, address history, social security number, phone number, date of birth, email address, and credit card numbers. I confirmed with Equifax at www.EquifaxSecurity2017.com that my information has been compromised, putting me at risk of identity theft, financial fraud, and tax return fraud. Additionally, they have known about the security breach since late XXXX and have failed to notify me at all. I only learned about the issue through social media comments from other people also affected. 

Equifax is delaying their offer of credit monitoring services ( I must wait until XXXX to enroll ), leaving me with two options : ( 1 ) leave my information at risk until their offered services are available to me, or ( 2 ) pay from my own funds another company to immediately institute a similar service. I also must pay with my own funds to freeze my credit reports with 4 other services -- {$40.00} total plus tax to freeze and the additional fees to later unfreeze.
Equifax should have : 1. Notified affected consumers of the breach prior to our having to learn about it through social media and news reports 2. Offered immediate, preferably instant, enrollment for affected consumers into credit monitoring and identity theft protection services 3. Arranged or paid for our credit reports to be frozen and unfrozen later with other consumer credit bureaus 4. Offered more than just one year of credit monitoring, as my social security number will continue to be useful for fraud well after one year, and due to Equifax 's negligence, I will have to deal with this for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BRite Financial Services, Inc.
State: CT

Complaint narrative:
I have been leasing a car since XX/XX/XXXX. Purchased from XXXX in XXXX XXXX, CT, leasing company is XXXX XXXX out of XXXX XXXX but my payments go to Brite Financial in Michigan. Part of my lease payments include my XXXX of XXXX property taxes. I found out in XXXX that the leasing company that receives the tax bill from XXXX has not been paying my property taxes since XX/XX/XXXX. They owe the taxes that were due on XX/XX/XXXX and on XX/XX/XXXX for a total amount of {$290.00}. I have  been calling Brite Financial weekly since XX/XX/XXXX to get this resolved and nothing has happened. My auto registration expires on XX/XX/XXXX and the CT Dept of Motor Vehicles wo n't let me renew my auto registration until the leasing company pays ALL of the delinquent taxes they owe on every vehicle they lease in CT. How is this fair to me who pays their taxes every week as part of my weekly lease payment? I ca n't get any resolution on this and if I ca n't renew my registration, I can not work and will become homeless. I know it 's a long shot but can you assist in anyway? Also, they have been overcharging me the tax portion of my lease payment and I have overpaid {$1400.00} to them in taxes and they wo n't refund it to me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
I desperately wish to stay in my home. I do not have anywhere to move to with my kids. I now have the money to make regular mortgage payments. 
I was in personal bankruptcy. The mortgage company, Caliber Home Loans, agreed to provide me with a loan modification on my home mortgage ( Loan number _________, Property : XXXX XXXX, MA XXXX_ ) so I voluntarily dismissed my personal bankruptcy case in early XXXX. I filed a loan modification application with Caliber on XXXX XXXX. Caliber agent XXXX ( ID No. XXXX ) advised me on XXXX XXXX that I only had two remaining documents to submit in order to complete my home loan modification. I submitted one document the lease agreement for my basement apartment -- on XXXX XXXX. The other document required verification of my wages -- could not be signed by a company officer from my company until XXXX XXXX because they were all on vacation. I have an email date stamp showing I submitted this final document on XXXX XXXX as I both faxed and emailed this document. Caliber Agent XXXX and Supervisor XXXX ( Agent ID XXXX ) just informed me it closed my loan modification application subsequent to XXXX XXXX. Caliber has a sale date of XX/XX/2017 to sell my home. Please help!!

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.

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 one of the people who may have had their identity stolen from the equifax security breach, which could negatively impact me over the foreseeable future. equifax is handling this situation very poorly. for example, though the breach happened 2 months ago, i was unaware of this until today. they are also still charging consumers to freeze their credit reports, despite confirming that i was in the 143m+ people whose data was taken. also, their website to check for impacts has a disclaimer, waiving your ability to be part of a lawsuit against them due to this data breach. for a company who has so much impact on your life, they are very careless with data, and care very little about the end consumer.

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 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 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: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX 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: OR

Complaint narrative:
I had to look up on Equifax 's sketchy website whether I was affected by their data breach. According to them, I most likely was. Why were we not notified earlier? And why are n't they automatically watching for fraud on my account? I have to opt-in, and the terms make me promise I wo n't sue them. 

I also had some fraud on a credit card a few weeks ago ; I wonder if this is related, given some of the breached data included credit card numbers.

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: GA

Complaint narrative:
Equifax was breached by hackers today X/X/2017 and I checked to see if I was a potential victim and I am. Formally filing a complaint against them for leaking 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 — 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 puts 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 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: 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: UT

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: CO

Complaint narrative:
As far as I know, nothing happened. The same company is still asking for my personal information ( seriously? ) after its already been stolen from them. I need a resolution from all of this, not a stupid enrollment date. Tell me what you will do to correct the situation instead of apologizing.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I first contacted TransUnion about the unauthorized inquiry. They informed me that I need to get a police report if I did not authorize the inquiry and to contact the actual company who placed the inquiry. I went to the police department and I have attached the document that I was given. I faxed over the information they requested just to be told that it was not good enough they needed an actual report. So unknowingly I called the police again and tried my best to get an " actual police report '' that they requested. Only to be told numerous times that they do not give actual police reports for this type of matter, only for car accidents. I added the card of the police officer whom made the report only to be told that they ca n't contact the police.Next I contacted XXXX XXXX XXXX the company who actually placed the inquiry on my credit only to be told that it was nothing that they could do because they received the authorization through XXXX XXXX XXXX even after I expressed to them that it was not me. I next tried calling XXXX XXXX XXXX multiple times leaving many messages unable to get anyone to assist me.

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: TN

Complaint narrative:
EQUIFAX SECURITY BREACH

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

Complaint narrative:
I am listed as a potential victim according to their equifaxsecurity2017.com 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: CA

Complaint narrative:
My confidential credit information including my SSN has been leaked in the recent EQUIFAX Breach.
EQUIFAX has but myself and millions of other Americans at high risk of Identity Theft due to their Criminal Negligence.
Additionally, EQUIFAX failed to report the breach in a timely manner. EQUIFAX Executives knew about the breach from XX/XX/XXXXthrough XXXX 2017. However, I was never notified of the breach by EQUIFAX. I found out via generic press release on the news, which is frankly disrespectful. The fact that EQUIFAX admits that they will not notify breached individuals is appalling business conduct.
Additionally, the fact that EQUIFAX executives sold over {$2.00} Million USD in stock days after the breach, heavily indicates criminal insider trading.

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 and many others ' personal information including our social security numbers, phone numbers, addresses, and more, leaving us vulnerable to identity theft. Their cybersecurity is insufficient.

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:
Credit-reporting agency Equifax was hacked and my personal information, including my social security number, date of birth and drivers license number may be 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company discovered a breach of personal information on XX/XX/XXXX and did not report it to the public until XX/XX/XXXX. Meanwhile there is someone putting inquires on all my credit reports because they have my information and the company has failed to inform me or anyone of that matter. It took 6 weeks for myself and other consumers to find out, while in the meantime credit reports and scores are being affected. On top of that in there findings 3 executives decide to sale there share of the company and protect their self and personal information has been compromised. These unauthorized inquires should be removed.
XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc.
XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX+ All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX
Use Credit Union Inquiry fromXX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc.
XXXX XXXX Inquiry from XX/XX/XXXX+ Credit Unions XXXX Inquiry fromXX/XX/XXXX + Bankcard XXXX Inquiry fromXX/XX/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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company discovered a breach of personal information onXX/XX/XXXX and did not report it to the public until XX/XX/XXXX. Meanwhile there is someone putting inquires on all my credit reports because they have my information and the company has failed to inform me or anyone of that matter. It took 6 weeks for myself and other consumers to find out, while in the meantime credit reports and scores are being affected. On top of that in there findings 3 executives decide to sale there share of the company and protect their self and personal information has been compromised. These unauthorized inquires should be removed.
XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc. XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX
Use Credit Union Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc. XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Bankcard XXXX Inquiry from XX/XX/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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hack on Equifax is ridiculous, they should have never stored that much personal information in plaintext. There needs to be repercussions.

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 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 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: GA

Complaint narrative:
I am affected by the Equifax security breach that occurred around X/X/17. No fraudulent activity has happened on my account, but I did receive an alert through " equifaxsecurity2017.com '' that I may have had my information leaked. I am sure many others are filing this report, but I just wanted to have something in writing for reference in case my identity is 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: CA

Complaint narrative:
Equifax released my private information publicly by not adopting decent security measures in its systems. A failure on a unrelated system caused attackers to be able to access my full name, date of birth, social security number, and address. Not only mine but also from other 143,000,000.00 people. 

As if being completely irresponsible with their systems security was n't enough they have n't notified me directly, I had to learn about the data breach by reading the news. They definitely know that I 'm affected since www.equifaxsecurity2017.com shows that I was affected. 

Now my financial life is at risk for the foreseeable future. These companies should n't have access to that much personal information of any American, they are utterly irresponsible.

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: OK

Complaint narrative:
On XXXX XXXX 2017 I found out that my personal information along with millions of others was mishandled and compromised by Equifax. I am listed as a potential victim according to their equifaxsecurity2017.com

Company response to consumer: Closed with explanation