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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The massive hack/breach at Experian exposed my personal information. I have put a fraud alert onto my account, and will need to be extra vigilant to make sure my identity is not stolen.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Several years ago my long term partner XXXX. After unsuccessfully trying to collect from the estate the company transfered the debt onto me and tried to collect against me saying I was the only person on the account since my partner XXXX. This was not a debt I was part of, I did n't know it existed, I do n't live in an area that would make this collectable against me and these collection activities are quite frankly unfair and unethical. After providing the requested XXXX certificate they simply removed his name and replaced it with mine saying it was my debt. My credit report shows XXXX seperate acounts for a similar amount they are now also saying are XXXX seperate debts

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: NC

Complaint narrative:
On XXXX XXXX 2017, Equifax 's data center was breached. It was not until a full 29 days later that Equifax made this information public. 

My social security number, address and full name have been made known to people who should not know that information. This is a permanent problem. For the rest of my life, I must now watch my credit like a hawk, wondering if today is the day that someone opens an account in my name and ruins my chances of getting a loan, buying a car, renting an apartment or buying a home. 

This problem will never go away. And this affects 60 % of the adult population of America.

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: MD

Complaint narrative:
My credit information was recently compromised by the security breach at Equifax. I did not receive adequate notification, and discovered my information was compromised via their website for the recent security breach on XXXX/XXXX/XXXX. I have not received any information on precisely what information was compromised, what actions to take, or what is being remedied to prevent fraudulent use of 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: IL

Complaint narrative:
Equifax, a trusted credit bureau, improperly managed my credit report and has exposed me and 143 million Americans to identity theft. Given that credit plays into nearly every factor of our lives, this is n't something that should go unpunished. I would like to file a formal complain with the CFPB to request protection on my identity without having to pay any additional amount in addition to restitution for this ridiculous grief.
The fact that executives can get away with selling off their shares on insider knowledge and report this incident nearly three months after is ridiculous. Jail time should be involved.

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax had my wife and myself 's information stolen. Part of them providing me a credit protection was also agreeing to not sue them in an opt out option. 

its not right for someone to damage my life and decide that making me whole is providing fraud protection that precludes me from legal action. It is a reprehensible stance.

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: MI

Complaint narrative:
Equifax had a breach of security compromising my information along with 150 million others. I failed to receive a notice at all and found out via social media and upon checking found my information to be compromised almost a month after the security breach.

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 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 2017-09-09 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: CA

Complaint narrative:
XXXX/XXXX/17 Reporting company used my report improperly. 

My personal information has been leaked by Equifax.

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: WI

Complaint narrative:
On XX/XX/2017, Equifax Inc. revealed that its computer systems were hacked several months ago due to negligence in their IT security. Because of this, a large amount of my personally identifying information was released without my consent, as identified by the website equifaxsecurity2017.com.
This has the potential to impact me by increasing my risk of identity theft, and poses a risk to my credit history should I try to obtain a loan in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: LA

Complaint narrative:
XXXX paid for the bill and they still charged me

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:
My information was a part of the Equifax breach.

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 was one of the roughly 143 million people whose personal data was illegally obtained in the Equifax hack that was reported on or around XXXX 2017.

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was stolen and I was not alerted until months later. I am upset and am filing a complaint against Equifax! I want information to seek legal assistance, their offer to help me for a year is not enough. My life and finances are compromised due to their mistake.

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: CA

Complaint narrative:
From Equifax 's website, I have learned that I was a possible victim of their data breach, which was announced to me on XX/XX/XXXX. These hackers had access to my name, Social Security number, birth date, addresses and possibly my drivers license number. 

This has caused an unbelievable amount of stress for me and my potential future family. It could affect my ability to get a mortgage in the future. This should not have happened, especially when they charge money to send a credit report. They should be held accountable.

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: OH

Complaint narrative:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX/XX/XX/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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of the Equifax Data Breach, my social security, driver 's license, etc has been accessed by the hackers. They have all my personal information. I can not even access my free credit report at this time to check for issues and they tell me I can " enroll '' in their 'XXXX XXXX ' is on the X/XX/2017. I now have to worry about the long term impact this will have on me as they can sit on my information, especially my driver 's license and social security information, for years. This breach has compromised my information for the rest of my life.

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: IL

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 XX/XX/XXXX/XX/XX/XXXX 2017 due to GROSS NEGLIGENCE, 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
According to the XXXX website, my information was compromised in their security breach. To me, it is astounding that a company with SO MUCH personal information could allow their security to be so lax. They are offering protection software, but 1 - I do n't want to waive my right to sue them or be a part of a possible class action lawsuit, and 2 - why would I trust them to 'protect ' my identity when it was their deficient security that caused this problem in the first place? I WILL NOT be enrolling in their security protections offerings.
As for this particular incident, it is " too little, too late ''. My information was most likely hacked, and these hackers probably have my social security number, which is MY ONLY FORM OF NATIONAL IDENTITY IN THIS COUNTRY. It 's not like Americans have a national picture ID or national ID number that we can rely on.
I have pulled my credit report from XXXX XXXX. I was unable to receive my credit report online from XXXX and Experian from the XXXX  because the XXXX page froze when trying to access my credit report, so I will be submitting an application by mail. I have also put a temporary fraud alert on my account through XXXX XXXX as I was unable to do so from the Experian website and I do n't trust XXXX  with anything right now. I will be monitoring my credit closely.

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: CA

Complaint narrative:
I am submitting this claim because I was implicated in the XXXX  2017 data breach at Equifax. It is extremely disconcerting that this company lost the most sensitive type of data that is possible to lose. This is particularly egregious because Equifax runs a service that is *required* to operate in the modern world and economy. For example - a credit score and report is required for every apartment rental I 've ever applied to. This means that it was n't truly an option to become a part of the Equifax database which has now been compromised.
To date, I have no knowledge of any personal identity theft or financial harm as a result of this breach. I simply want to have this event on the record, should I suffer any financial hardship down the line from this event.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
In XXXX, Equifax allowed external hackers access to my credit, Social Security, income, and financial history. Their executives made a few million on selling Equifax stock a few days after they learned of the system inflitration but they did not inform the public until after their stock sale. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When I used the Equifax tool to verify my information had been stolen, it confirmed that my information was part of the hundreds of thousands of consumers whose data was 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: CA

Complaint narrative:
On XX/XX/XXXX, I learned that EquiFax had a security breach where 143 million customers ' worth of data was accessible through a web vulnerability ( indicating very poor security practices on their part ). On XX/XX/XXXX, I used the website they set up and learned that my information was contained in the breach, meaning that EquiFax disclosed my personal credit information without my consent.
Note that I did not check on XX/XX/XXXXwhether I was involved in the breach, because I was lead to believe by ambiguous wording in EquiFax 's Terms of Service that I was waiving my right to pursue legal action against them by learning whether I was involved in the breach. After their clarification on the XXXX, I was able to check.
Subsequent to learning that my information was compromised, I pulled my credit reports to see if there was any unauthorized access ( there was n't ), and then I placed a fraud alert on my report. I did not opt into EquiFax 's offered credit monitoring, because doing so would also waive my right to pursue legal action against them.

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: WA

Complaint narrative:
Equifax experience a data breach that compromised my personal information to unknown persons on Friday XXXX XXXX, 2017. I verified this information by using the https : //www.equifaxsecurity2017.comXXXX form. The company is not taking enough action to remedy this terrible leak of my trusted personal 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: CA

Complaint narrative:
On XX/XX/XXXX - Equifax stated that there were 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax between mid-XX/XX/XXXXandXX/XX/XXXX.
Upon checking their site onXX/XX/XXXX - my information was shown to be one of those that were compromised.
Equifax wants me to waive all rights and sign up for their XXXX XXXX XXXX which not only will send me spam, but have a limited duration.

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: AP

Complaint narrative:
Equifax was hacked and my information was compromised in the incident. I now have more reason to fear identity theft may be in the future.

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: AP

Complaint narrative:
My personal information was leaked in the Equifax databreach.

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:
OnXX/XX/XXXX, Equifax announced that they had suffered a security breach that exposed personally identifying information of myself as well as many millions of other 'customers. ' From their press release on the subject : " XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.SXXXX consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted. 

Equifax discovered the unauthorized access onXX/XX/XXXX of this year and acted immediately to stop the intrusion. '' Through their site, https : //www.equifaxsecurity2017.com/, they have confirmed that I have likely been affected by the breach : " Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation