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: CA

Complaint narrative:
The Equifax security was breached ( as you know ), and I am submitting this complaint to express my frustration and insecurity regarding my personal information. While Equifax is also a victim of hacking, I believe there should be a discussion on how individual 's information can be protected and how to protect individuals whose information got leaked

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:
All of my personal information used on my credit report was stolen from Equifax. Instead of immediately alerting the US citizens it affects ( over half the US adults with credit ) they took 5 weeks to alert anyone and seem to have used that intentional delay to participate in insider trading. 

Even after the breach was made public, I have not received any written notice via mail or email that my identity was compromised. I had to look it up myself after hearing a story on the radio. Because they are only offering a year of identity protection, which is incredibly insufficient to cover the data that was stolen I must now pay them to freeze my credit. Equifax will benefit billions if all affected adults choose their only option right now, to freeze their credit.

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:
Equifax suffered a security breach on X/X/2017 due to lack of sufficient cyber security and divulged my personal information through cyber attack. They are also a victim here, however as a direct result of their lack of security, I will now INDEFINITELY be at substantially increased for identity theft and fraud.

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:
Equifax obviously lost my data and in the process gave a misleading website designed to get people to forfeit their ability to complain about this terrible breach, under the guise of checking your " status ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: KY

Complaint narrative:
My debts were written off for XXXX debt collection in XXXX. The debts are XXXX XXXX XXXX. They reinserted them without my knowledge and refused to get rid of them after my dispute. They were reinserted through a new collection agency and new dates, as well as the bureaus failed to contact me via written correspondence or email within 5 days of reinsertion XXXX XXXX XXXX, I was never notified but found out via checking my report on XXXX XXXX. ). I want these removed from my XXXX and XXXX reports and removed from my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 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.

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: KS

Complaint narrative:
Without any knowledge of my own, Equifax took a laissez faire approach to protecting my confidential information. Due to their inability to follow industry standards in regards to cyber security, my personal information is in the hands of strangers. This behavior is reckless, dangerous, and requires accountability.

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:
Personal data was exposed in data breach. Equifax has left my family in I vulnerable for the rest of our lives. Something needs to be done to fix this.

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:
Over the years I 've worked hard to build up an excellent credit history. Unfortunately I 'm one of the 143 million people affected by Equifax 's security breach that was made public in XXXX 2017. It is beyond infuriating that a company with so much private and sensitive information about you can put your finance wellbeing in jeopardy. 

I put a temporary fraud alert on my credit report, but who knows what 'll happen after that. To add insult to injury they then offered " free credit reporting, '' but only if you agreed to binding arbitration that would effectively prevent you from suing them. 

I also read that several Equifax executives cashed out stocks just prior to the announcement, anticipating that the company 's stock would take a hit. If that 's true, I hope the CFPB/SEC throws the book at 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: CA

Complaint narrative:
On XXXX/XXXX/2017 I was alerted to a security breach within the credit reporting agency Equifax, I immediately went to their site to see if my personal data was impacted by the breach and was confirmed that it was. Per news reports, this breach was known about internally at Equifax for up to 6 weeks before they alerted the public to the massive breach of security. Equifax has " offered '' to have me sign up for their credit monitoring service, which is only free on a temporary basis -- despite the fact that this data breach could have effects lasting the rest of my lifetime. Additionally I 've read the terms for that particular service would bar me from legal recourse moving forward. I believe this to be an underhanded attempt to limit liability rather than an honest attempt to help consumers.

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:
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 2017-09-09 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: NE

Complaint narrative:
This is in regards to Equifax behind hacked and putting my information at a very high risk for identity theft and fraud.

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:
Equifax just announced a leak of personal information. Upon checking on their website https : //www.equifaxsecurity2017.com/XXXX, Equifax stated that I may have been impacted in this incident. I am worried that my identity will be stolen, & my quality of life ( of hopefully 60+ years ) will worsen and become intolerable as a result.

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:
Submitting complaint as I am potentially affected by the Equifax hack.

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:
My and my wife 's information was involved in the Equifax Security Breach. We have taken steps to place a 90 day fraud alert from the website. I 'm still concerned that our identities have been put at risk and have opened up opportunities for identity fraud. We are extremely careful with whom we do business and take exhaustive steps to keep our information private and secure. This is an inexcusable injustice as the ONLY job that Equifax has, in my opinion, is to keep our personal information secure.

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:
Equifax recklessly failed to protect the credit information entrusted to them, including but not limited to social security number, addresses, date of birth, credit card information, bank account numbers, etc. exposing me to identity theft and other frauds.

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:
My data, including SSN and addresses, was stolen as part of the major Equifax hack. In order to receive the free credit monitoring service through Equifax, they are requiring I waive the right to participate in a class action lawsuit. I do not wish to waive that right, so I am not able to receive any recompense for their improper security measures.

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:
Equifax mishandled my personal information, including but not limited to my Social Security Number, address, and birth-date. They not only allowed a data breach of over 143 million consumers information around XX/XX/XXXXand XX/XX/XXXXof 2017, they neglected to inform parties until nearly six months later, leaving them vulnerable to fraud and identity theft while potentially using that information to conduct insider trading. I had to find this information out without any notice from Equifax on the " Potential Impact '' portion of their website www.equifaxsecurity2017.com. This negligence of proper security protocols in handling consumer information and the unethical actions of Equifax thereafter is unacceptable and needs rectification.

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:
This pertains to the Equifax security breach where my personal information were compromised. While I understand that Equifax is as much a victim in this as I am, I had placed my trust in them to protect my identity. While I do not fully understand the technical details of the systems they used, and the maintenance they performed on them, I do believe that for a company that handles such delicate information, their systems should have been more secure.

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 failed to inform me that my data may have been compromised in a data breach that happened in XX/XX/XXXX and XX/XX/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: 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 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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax failed to maintain proper security for the extremely personal information of millions upon millions of people. I was one of those people and now all the information you need to be identified as me is out there in someone else 's hands. I now have to live with the fact someone could use my information to open bank accounts ect. and there is n't much I can do about it. For the rest of my life this will be a possibility and not because of negligence by me but because a company entrusted with such personal information failed to protect 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: 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: AZ

Complaint narrative:
I 've been a victim of identity theft in the past. I am still recovering from this and have spent thousands to restore my good credit and my good name. 

Meanwhile, Equifax, a company which has refused to entertain some of my identity theft claims in the past, now, in an egregious act of fiscal irresponsibility, allowed my identity to be stolen AGAIN. 

You ca n't stand against these credit bureaus. They have all the means at their disposal, and they did NOTHING to  safeguard the security of the accounts of millions. Sure. They 're offering a " free '' credit protection as some sort of malarkey recompense, but how reliable is that when it 's being run by the same organization that allowed the private information of millions of customers around the globe to be compromised in the first place? 

And these credit bureaus affect your entire LIFE as an average person. They affect your ability to ever buy a home. They affect your ability to get a loan for your new car or for your education. They can even impact your ability to get a job that pays a decent enough wage to have a debt-free life someday! The fact that they have so much responsibility, and were so careless with it, is an egregious breach of consumer protection justice. 

Equifax needs to hang up its hat, stop messing with the lives of millions of Americans, issue more than a stupid apology and an enrollment in a free " protection ' company run by the same folks who let our identities be stolen in the first place, and stop ruining the lives of millions with their capricious judgments based on nothing but the whims of greedy bankers. They ruin lives for a living, and then they let hackers ruin even more. They need to be out of business. NOW.

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:
News recently broke out that Equifax discovered a breach in XXXX XXXX, XXXX. [ 0 ] On the evening ofXX/XX/XXXX, I interacted with Equifax 's 'Potential Impact ' web page and learned that I may have been impacted by said breach. [ 1 ] I then obtained a 90-day initial fraud alert and am currently requesting a credit report. 

[ 0 ] Equifax Reveals Hack : XXXX XXXX XXXX. 
[ 1 ] Equifax 'Potential Impact ' Web Page : https : //www.equifaxsecurity2017.com/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: KS

Complaint narrative:
Equifax allowed a cyber security breach that enabled access to 100 % of my personal information and exposed me to the threat of identity theft both now, and at any point in the future. I 'm one of 140 million vulnerable citizens and I demand justice!

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:
Due to Equifax 's gross mishandling of my personal information, a data breach between XX/XX/XXXX and XX/XX/XXXX 2017 has resulted in my name, Social Security number, address, driver 's license number, and credit card number being compromised. This mismanagement is unacceptable. It is now XX/XX/XXXX, and Equifax never notified me of this breach, despite their knowing about it months prior.

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: IN

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 upset 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: WA

Complaint narrative:
Equifax did not properly secure my information among 143 million others as I learned today that my information was stolen. They have my social security number, credit card numbers, income, employment info, birth date, legal name, know my equity levels, and access to security questions. I am very concerned that my identity will be hacked and compromised after being careful all these years to avoid dodgy websites. I am very concerned that someone may steal my identity and credit and or file a fake tax return now that they have my information. This is a huge problem and I hope the government can do something about it.

Company response to consumer: Closed with explanation