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: VA

Complaint narrative:
Equifax failed to properly secure my personal information leading to a public realease of my personal information without my consent. High ranking members then sold off stock before releasing news of the improper release of data, which is illegal insider trading and fraud. I 'm now highly vulnerable to credit fraud and my score seems way too low on XXXX XXXX. I want Equifax to send me all information and reports it has related to me, including credit, background, licensing etc, any service they provide in any industry that has any data related to me. I want a full reset to a perfect credit score and 5 years of credit monitoring.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax has been hacked and my information has been compromised. I do n't want to apply for their credit monitoring service because it will make me opt out of any class-action lawsuit or other means of holding them responsible for any damage in the future. I tried to use the free yearly credit report from the government XXXX XXXX XXXX and I was unable to access my report for Equifax, and instead have to mail in a request which is inconvenient. 

I also have to pay money to freeze my credit reports with all three major monitoring services, when this is entirely Equifax 's fault and therefore their responsibility. Having to freeze my credit and then thaw it whenever I need to use it is another inconvenience which is entirely Equifax 's fault. 

Equifax should be able to provide my free credit report online like the other monitoring services were able to do, and they should be monitoring my credit for any suspicious activity, free of charge and without having to sign an arbitration clause or class action waiver. 

They are responsible for any potential identity theft or fraud using my name or likeness and should be taking more responsibility to protect consumers who have had their personal information 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: NJ

Complaint narrative:
I am a victim of the Equifax XXXX XXXX. My name is included in the list of potential clients affected. At this stage, I have no idea how badly impacted I have been and am assuming the worst.

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: FL

Complaint narrative:
Equifax Inc. said its systems were struck by a cyberattack from midXX/XX/XXXX2017 that may have affected about 143 million U.S. customers of the credit reporting agency. Information accessed includes names, Social Security numbers, birth dates, addresses, drivers license numbers, credit card numbers, and accessed dispute documents with personal identifying information. 

Equifax Inc. has just now announced this to the public. More than a month after potential unauthorized access to the information stolen. The company has done nothing to personally alert me about the incident and has not done anything to further protect my information or identity. 

I have issued a temporary alert on my credit report to deter any unauthorized access or use of my information, however this is not remotely a foolproof way of protection my identity or my credit.

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 — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax has proven that it is grossly negligent in handling my very sensitive, personal information. This is particularly distressing because by the nature of their business, I have no control over being their " customer '' or not. 

Besides that, their most immediate course of action to remedy this disaster was to rather sneakily try to trick me and other consumers into allowing us to shield them from legal consequence by tucking an arbitration clause into their offer of free credit monitoring terms of service which is n't even displayed on the same page that you sign up for said monitoring. It all stinks of rather underhanded tactics, to me. 

This company deserves to bear the FULL burden of consequences for having endangered nearly half the adult US populations ' personal info.

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: FL

Complaint narrative:
Equifax did not keep its system secure and my personal credit 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax data breach. Their automated system told me that I am apart of the affected party. Their lax attitude on the personal security of XXXX people is cause for alarm. They have been aware of the breach since XXXX and are just now making a statement. My information very well may have been compromised in such time. 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: CO

Complaint narrative:
Equifax allowed hackers to steal my personal information including DOB, SSN,  former addresses and potentially more. This means that information, which usually never changes, has to now be considered publicly available forever. I know have to be extremely vigilant and am at a high risk for 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: NV

Complaint narrative:
This is part of the Equifax data breach. I am just an ordinary American here, but it looks like they took a long time to disclose the breach ( imagine that their stock will tank now ), and they are seemingly forcing people into arbitration and a service to protect what they have already lost. It also appears that federal law requires creditors to report information to this agency, thus putting Americans in " harms way '' ( by law ). Without any way to limit this, I ca n't even be certain that I will not be a victim of identity theft. I have put a 90 day fraud alert on my wife and my social security numbers. Not sure what else to do. On there website, I went to the area where you could see if you were " affected '' - it says that indeed I was - here is the text : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID Premier. 

I do not trust this company with my information and believe they have not done enough to sufficiently protect what is entrusted to them by the Federal Government. 

Please let me know what I can do about this. 

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: TX

Complaint narrative:
Affected by recent Equifax security breach, personal information 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: MD

Complaint narrative:
I have been identified as an affected individual in the Equifax security breech disclosed on XXXX XXXX, 2017. Due to inadequate data security measures and protections on behalf of Equifax, my personal and private information and data such as my SSN, DOB, full address, and potentially DL number have been stolen. Through no actions of my own, I must assume that my private and personal information are now public data and potentially being used without my consent for future deeds of dubious intention and legality.

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 personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

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

Complaint narrative:
Equifax has failed to protect my personal information from unlawful and unauthorized access, as well as the information of millions of other Americans. Despite knowing about this breach since XXXX XXXX, 2017, they waited weeks to release this information, putting my financial future at the risk of fraud all the while. When they did release information regarding the breach, they did so by reporting it through press releases, such that myself and other could have possibly missed the report. Further more, rather than informing each individual affected by the breach, they chose to setup a website where each person would have to personally check if their information had been made vulnerable. What 's worse is that the website was a domain separate from Equifax 's main website, meaning they were further exposing myself and others to the possibly of fraud from copy cat domain names.

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: CT

Complaint narrative:
I am included in the Equifax hack. I went to the website and they said my information was compromised. I have put fraud alert locks on my accounts but I am disturbed by this.

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: IN

Complaint narrative:
Today I learned that Equifax was hacked. I went on their site and learned that my information was released. Two problems here : apparently I can not sue Equifax now that I have checked this information, and there is no recourse as to how to shut down my information. Let me tell you, I have had my information stolen before, and it is a nightmare to clean it up. I can not imagine how much more difficult it will be now that HALF THE UNITED STATES was hacked. Help us please.

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

Complaint narrative:
My information was among the data hacked from Equifax. Equifax not only failed to immediately report this security breach, they waited until after selling stock to do so. A security breach is an unfortunate risk we all take ; improperly responding to and reporting the leak is 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: FL

Complaint narrative:
I may be a potential victim in the 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: MI

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that  they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax had a security breach, yet I am now somehow responsible for paying fees on Credit Freezes to protect myself and my credit because Equifax decided to keep my personal information in plaintext. Nope. Equifax can pay to put freezes on my credit, since they were irresponsible with my 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: IL

Complaint narrative:
My information was information was involved in the Equifax hack

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: LA

Complaint narrative:
Equifax announced a security breach of some of their databases resulting in millions of people having their information made public. On X/X/17, I went to the website they provided ( equifaxsecurity2017.com ) to determine if I was affected. Upon entering the last six digits of my social security number and my last name, I was informed that my information could be compromised. I clicked on a button to enroll in one year of free credit fraud monitoring with XXXX XXXX XXXX and was given a date to enroll ( X/XX/17 ). 

I found out later that by enrolling in their program, I would be eschewing my right to sue Equifax or be part of a class action lawsuit against them as part of this security breach. I was not provided an opportunity to consent to this explicitly. 

I am incredibly disappointed in Equifax for their lax security as well as their response to the issue.

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 did not secure their data properly even though the technology to secure mentioned data is reasonably affordable and readily available. Now mentioned data has been breached by criminals. My personal information was part of mentioned data and is now in hands of criminals and will become public. I know this because I confirmed with Equifax today, X/X/17. I should also note that Equifax offered a service to protect against identity fraud, but in exchange they wanted to mitigate my ability to sue them for damages. Also, the service they offered was only free for one year- after which they would make a profit off of me by charging for me to extend the mentioned service.

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 information was reported to be part of Equifax hack, where my personal credit profile and information was disclosed and shared improperly, without my consent or knowledge.

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 poor security resulted in the release of my birthday, address, and social security number.

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: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax was subject to a major breach that included 143 million American 's PII. According to their system, I was one of the individuals affected. I am now a strong target for identity theft as a result.

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:
Equifax was hacked and my PII as well my financial information may have been stolen.Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation