vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-09 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 personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website ( 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 shared my personal credit information without my consent. Upon checking with the website Equifax set up in response to the cybersecurity threat i was informed that i may potentially have been a victim of the cyber attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
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 2017-09-09 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: DC

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 2017-09-09 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: FL

Complaint narrative:
My information has been compromised by an Equifax Data Breech. Equifax offered a website to check if I had been impacted, and I was. The impact includes my SSN, DOB, Full Name, and credit card numbers. Their offer was to have one year of credit monitoring, with a company of their choice, free. Choosing this would also bind me into an arbitration clause and not allow me to pursue other remedies easily, later. I do not believe this to be adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: AGORA NOTUS, LLC
State: AL

Complaint narrative:
My payment were set up for about XXXX every two weeks. I was in a bind and could only afford XXXX a month. The company reluctantly accepted the XXXX a month. XXXX i wasnt able to pay anything. The account is almost in default. Charges are XXXX. The harassing phone calls began. I asked them to stop and they have not. Calls are made 4 times a day everyday every week. On XXXX i again asked to stop. They said i was getting smart with them. Then stated calls would n't stop until that payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 account information was compromised by the Equifax hack that occurred in XXXX XXXX, and was announced in the beginning of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 mishandled my information which has led to a breach that puts myself at risk, permanently. 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 my account and notify me if any fraud occurs. I did not choose to do business with Equifax nor grant them permission to host my information. I have never had any direct interaction with Equifax, including being notified that they have mishandled my information ( which, again, I only learned of through social media ). 

I do not want to pay a single cent for any measure of credit protection or ability to review my credit report through Equifax, ever. The damage they have caused me is quite literally irreparable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX : # XXXX am asking to verify and show me a hard copy of it in black and white with my SIGNATURE, address associated and full social security number if not this account sould be remove from from my credit report within 15 days

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 2017-09-09 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: CA

Complaint narrative:
I have written to professional accounting with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate XXXX through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.

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 2017-09-09 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 seemed to have been impacted by the equifax hack. I checked my status at https : //www.equifaxsecurity2017.com/XXXX and it came back saying I may have been impacted by the hack. I feel that this is a misuse of my credit information and am highly concerned about this information being used to harm my credit. I have not been able to pull my credit report from equifax either using XXXX XXXX XXXX So I have no idea how this has impacted if it has yet at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
Received notice of a cyber-security breach from Equifax. I following a step-by-step instructional to see if I was a potential victim of the security breach and the result returned a true response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
I have written to XXXX XXXX with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate XXXX through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have written to professional accounting with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate s through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.

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 non-monetary relief
Consumer complaint received 2017-09-09 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: VA

Complaint narrative:
I was affected in the Equifax hack according to their website on XXXX/XXXX/2017. They failed to inform the public after they found out they were hacked and they refuse to contact people, forcing them to use their service to see if their very personal information ( social security numbers, addresses, birthdates and even numbers of some drivers licenses ) had been stolen.
This is unacceptable for a company and some of their execs sold stock before finally reveiling they were hacked.This must be investigated and actions have to be taken to protect the 143 million innocent people that had their personal data stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
Equifax exposed my private information, including social security number, and evidence shows they took inadequate precautions to safeguard this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 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. 

I went to their site and put in my information to see if I was affected and it stated that I was. As it stands, for the rest of my life I am going to have to pay for lifting and reapplying credit freezes on my name, credit protection, and costs for possible credit fraud. I believe that Equifax should be responsible for all fees that stem from this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 major security breach at Equifax and I 'm concerned as a consumer that my information may have been hacked. I want it documented that my credit will not be effected in anyway as I am in the process of repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
At XXXX XXXX navient called my phone 4 times in a row and woke me up on Saturday XXXX XXXX. Bewildered and tired I ask who is calling me this early on a Saturday morning. The navient worker replied I need you to verify your name and social security number. I told him it was kind of rude to call so early in the morning and which he did not apologize but then asked me to verify my address. Navient worker said that my payment was 12 days past due. I explained to him that I was confused because my mother who is also my cosigner made a payment on my behalf last week. He then said unfortunately you are still 12 days past due how do you want to take care of it. He was very rude, spoke to me and a condescending tone, and did not acknowledge what I had said to him. I explained that I had not been working in a month because I was laid off from my job at the moment due to lack of work. My mother and cosigner is also not working and receives Social Security. The navient worker was very unthoughtful did not apologize for his actions and made my mother and myself stressed out because instead of discussing this matter with the previous person who took our payment he assumed that we did not make arrangements. Come to find out we were right and had made a payment but on there and it did not go through. My mother explained to the navient worker it was not fair to call so early in the morning when they already got paid because there was confusion on their end. Navient is supposed to be a worldwide company that helps various people with their loans. Unfortunately when it comes to getting their money they have no problem hurting those same individuals to regain their funds. My mother asked man to apologize and what she said he already did although he did not. I wish we would have gotten his name and number so that we could have reported him individually because usually when these people call they are rude and inconsiderate. It 's rare that you find people in this company who listen to what you have to say and do n't talk over you to just get your money. I wish I had the money to pay them off completely because the stress that they put you through is somewhat unbearable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 2017-09-09 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:
My person financial information was improperly handled by Equifax. Very sensitive and crucial information may have been stolen. And may currently be, or in future, be abused by those who stole my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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: WY

Complaint narrative:
1 month ago Equifax leaked my ( and millions of others ) Social Security number and other private information to hackers. Equifax failed to notify me of the breach, and like most other Americans affected by this breach, we only heard about it in the past week from social media and television. 

Now I must freeze my accounts, pay a credit monitoring service to notify me of fraud, and possibly look into changing my social security number depending on how many people now know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
I am a potential victim of the Equifax data security breach and I would like to make sure measures are put in place to tighten cyber security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Mailed {$50.00} check payment to AAA XXXX XXXX managed by Bank of America XXXX on XXXX XXXX, XXXX. Not sent to XXXX XXXX XXXX XXXX XXXX area. 
Card is interest free until XXXX. Company is denying receipt as of today, threatening late charges, threatening to end interest free promotion. 

PS All other bills sent out same day and location were received and/or cashed by other companies ( eg., XXXX XXXX XXXX on or before 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 monetary relief
Consumer complaint received 2017-09-09 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: VA

Complaint narrative:
The Equifax website contained a form to apply for a credit freeze. Yesterday, I submitted this form twice and got no response. Today, they stopped taking credit freeze requests. 

Please nail Equifax for the hack of their credit reporting system. Prosecute both Equifax and their CEO to the full extent of the law, and advocate for tougher laws that will hold these lax companies and their CEOs criminally liable for the adverse effects of hacks, including prison time for CEOs. 

Please augment your website to receive public comments about the Equifax hack. This is a golden opportunity for the CFPB to gain widespread public support -- IF you can provide effective relief from ID theft that Equifax enabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 had a security breach wherein information was stolen, which could include SSN, names, birthdates, addresses and possibly DL numbers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
Between XXXX XXXX and XXXX XXXX, Equifax was hacked and a large number of accounts were released to those hackers. After using Equifax 's website to see if I was affected, the Equifax website declared that I most likely was included in the hack. I 'm posting a complaint against Equifax for this hack and the delay in which they alerted people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 says my information was potentially affected by a recent breach of information.

Company response to consumer: Closed with explanation