{"took":126,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":39,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2680171","_score":23.389534,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax mishandled my information and allowed it to be exposed publicly through a cybersecurity breach. Then, their so called \" Solution '' is a free year of their own monitoring service, after which you have to pay THEM to monitor their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own XXXX from getting sued like they rightly deserve.","date_sent_to_company":"2017-09-20T14:55:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2680171","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-20T14:49:16.000Z","state":"WY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax mishandled my information and allowed it to be exposed publicly through a <em>cybersecurity</em> breach. Then, their so called \" Solution '' is a free year of their own <em>monitoring</em> <em>service</em>, after which you have to pay THEM to <em>monitor</em> their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own XXXX from getting sued like they rightly deserve."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[23.389534,"2680171"]},{"_index":"complaint-public-v1","_id":"2680129","_score":23.389534,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax mishandled my information and allowed it to be exposed publicly through a cybersecurity breach. Then, their so called \" Solution '' is a free year of their own monitoring service, after which you have to pay THEM to monitor their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own backsides from getting sued like they rightly deserve.","date_sent_to_company":"2017-09-20T14:55:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2680129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-20T14:55:38.000Z","state":"WY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax mishandled my information and allowed it to be exposed publicly through a <em>cybersecurity</em> breach. Then, their so called \" Solution '' is a free year of their own <em>monitoring</em> <em>service</em>, after which you have to pay THEM to <em>monitor</em> their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own backsides from getting sued like they rightly deserve."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[23.389534,"2680129"]},{"_index":"complaint-public-v1","_id":"2665049","_score":21.21785,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, XXXX, it came to my attention that Equifax has allowed my credit report and information to be exposed to unauthorized parties due to negligent cyber-security practices. Furthermore, as part of their response, they have used a website to goad victims of this data breach into waiving their right to sue via agreeing to arbitration by signing up for XXXX their own ) identity theft protection and credit file monitoring services. \n\nThese are unacceptable practices for a business in which security of consumer data is paramount.","date_sent_to_company":"2017-09-08T23:25:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94941","tags":null,"has_narrative":true,"complaint_id":"2665049","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T22:50:24.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XXXX XXXX, XXXX, it came to my attention that Equifax has allowed my credit report and information to be exposed to unauthorized parties due to negligent <em>cyber-security</em> practices. Furthermore, as part of their response, they have used a website to goad victims of this data breach into waiving their right to sue via agreeing to arbitration by signing up for XXXX their own ) identity theft protection and credit file <em>monitoring</em> <em>services</em>."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[21.21785,"2665049"]},{"_index":"complaint-public-v1","_id":"2665584","_score":20.44113,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax was hacked. They have a tool to check if you were included, which is nearly every adult in the US.  Instead of telling you if you were hacked they auto-sign you up for their TrustedID Premier service. So not only is my information insecure, they use this moment of panic to both market to me and continue to perform a bait and switch without my consent. This is disgusting. \n\nHere is the text of their warning on their website. It says \" OR '' but never provides an option to sign up, while never sharing if hacked : Equifax Cybersecurity Incident : To learn more about the cybersecurity incident, including whether your personal information was potentially impacted, or to sign up for complimentary identity theft protection and credit file monitoring, click here And here is the text you are provided when submitting to see if you have been compromised. You are forced to use their service : Your enrollment date for TrustedID Premier is : XXXX/XXXX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process.","date_sent_to_company":"2017-09-08T06:56:18.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"60137","tags":null,"has_narrative":true,"complaint_id":"2665584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T02:45:07.000Z","state":"IL","company_public_response":null,"sub_issue":"Received unwanted marketing or advertising"},"highlight":{"complaint_what_happened":["It says \" OR '' but never provides an option to sign up, while never sharing if hacked : Equifax <em>Cybersecurity</em> Incident : To learn more about the <em>cybersecurity</em> incident, including whether your personal information was potentially impacted, or to sign up for complimentary identity theft protection and credit file <em>monitoring</em>, click here And here is the text you are provided when submitting to see if you have been compromised."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"],"issue":["Credit <em>monitoring</em> or identity theft protection <em>services</em>"]},"sort":[20.44113,"2665584"]},{"_index":"complaint-public-v1","_id":"2662329","_score":20.318115,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My credit report and personal information has been compromised by Equifax. Equifax has reported that they have been hacked and millions of peoples personal information has been stolen. They state so through https : //www.equifaxsecurity2017.com/potential-impact/. I have inquired about my personal impact and it states my information may have been stolen. \n\nThis is completely unacceptable for one of the 3 major credit reporting agencies to have such mediocre cybersecuirty and have my personal information stolen. Equifax is irresponsible in handling my sensitive data and the measures they are taking to help people impacted is poor to say the least. They are providing only 1 year of free credit monitoring services, and you have to agree to waive the right to sue them for their credit monitoring services. That is such an evil business tactic for them to cover themselves by forcing you to agree to such a waiver. \n\nEquifax released an explanation of this waiver saying arbitration clause and class action wavier included in the TrustedID Premier Terms of Use applies to the free credit file monitoring and identity theft protection products, and not the cybersecurity incident. That does not acceptable whatsoever either. I am not going to waive my right for legal action if the credit monitoring and identity theft protection is compromised as well.","date_sent_to_company":"2017-09-09T22:14:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89123","tags":null,"has_narrative":true,"complaint_id":"2662329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T21:48:29.000Z","state":"NV","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["They are providing only 1 year of free credit <em>monitoring</em> <em>services</em>, and you have to agree to waive the right to sue them for their credit <em>monitoring</em> <em>services</em>. That is such an evil business tactic for them to cover themselves by forcing you to agree to such a waiver."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[20.318115,"2662329"]},{"_index":"complaint-public-v1","_id":"7143933","_score":19.807268,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"A business called XXXX, located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX ( also XXXX XXXX XXXX, XXXX, GA XXXX ) Phone Number ( XXXX ) XXXX, sent me a letter dated XX/XX/XXXX. \nThe letter informed me they had a cybersecurity incident in XXXX XXXX. I had worked for two of their restaurants in the past- XXXX XXXX and XXXX XXXX. They indicated that exposed files included my name and social security number. \nThey said they were providing complimentary credit monitoring and identity protection services for 2 years via XXXX. \nWhen I contacted XXXX to sign up for the services offered by XXXX which required I submit certain documents, including a notarized form for Power of Attorney, after being activated on their XXXX 's web site the site listed only a single monitoring service? So I called XXXX today to verify the documents I sent them had been received and asked about their service. I was informed that XXXX has been contracted with XXXX to only monitor TansUnion 's credit reporting activity. \nI attempted to contact XXXX and got the run around - no answers, busy, voice mails- ultimately I could not reach anyone at XXXX to ask why the service only included credit monitoring of only one major credit bureau - TransUnion. Also after contacting the number in the letter and providing the Enrollment Code the employees at XXXX never informed me they only monitored a single Credit Reporting Bureau - because there are in fact 10 credit reporting bureaus I am aware of ( 4 major and 6 sub-prime ). After enrolling, mailing documents, then visiting the \" XXXX XXXX ' provided to me at XXXX 's web site did I see the inference that only one credit bureau was monitored.","date_sent_to_company":"2023-06-20T19:55:34.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"28144","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"7143933","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-20T19:29:42.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["The letter informed me they had a <em>cybersecurity</em> incident in XXXX XXXX. I had worked for two of their restaurants in the past- XXXX XXXX and XXXX XXXX. They indicated that exposed files included my name and social security number. \nThey said they were providing complimentary credit <em>monitoring</em> and identity protection <em>services</em> for 2 years via XXXX."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"],"issue":["Credit <em>monitoring</em> or identity theft protection <em>services</em>"],"sub_issue":["Problem with product or <em>service</em> terms changing"]},"sort":[19.807268,"7143933"]},{"_index":"complaint-public-v1","_id":"8043770","_score":19.203484,"_source":{"product":"Mortgage","complaint_what_happened":"In early XXXX, XXXX, I recieved a letter from the company stating my personal info HAD been compromised and they were offering credit monitoring. The letter got misplaced and they have refused to provide me a copy of that letter. Their cybersecurity people stated they had the letter but only XXXX could send it. XXXX denied having it. Customer service, when I asked to speak to legal said 1. Mr Cooper had no legal dept 2. Mr Cooper has a legal department, but they haqve no phones 3. That they aren't allowed to contact the legal department. \n\nThey then tried to send me a not-our-fault letter via email, but my request for a copy of the original letter has not been fulfilled. Mr Cooper is engaging in obstruction by not providing my letter","date_sent_to_company":"2023-12-21T08:16:36.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"32901","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"8043770","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2023-12-21T08:05:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["In early XXXX, XXXX, I recieved a letter from the company stating my personal info HAD been compromised and they were offering credit <em>monitoring</em>. The letter got misplaced and they have refused to provide me a copy of that letter. Their <em>cybersecurity</em> people stated they had the letter but only XXXX could send it. XXXX denied having it. Customer <em>service</em>, when I asked to speak to legal said 1. Mr Cooper had no legal dept 2. Mr Cooper has a legal department, but they haqve no phones 3."]},"sort":[19.203484,"8043770"]},{"_index":"complaint-public-v1","_id":"2669989","_score":19.041958,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax collected my personal, private information, and then lost that information in a security breach due to outdated cyber-security measures. Furthermore, it took them over a month to make a public announcement about this security breach. I found out that my information was divulged through the security website set up by Equifax. They did not notify me personally. According to Equifax, the information might include my name, address, social security number, birth date, and driver 's license number. \n\nI and 143 million Americans are now an easy target for identity theft for the rest of our lives because Equifax collected our information and lost it due to negligence. We will have to use credit monitoring services, fraud alerts, and request frequent credit reports to ensure that our identity is not stolen.","date_sent_to_company":"2017-09-12T14:59:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"02453","tags":null,"has_narrative":true,"complaint_id":"2669989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-12T14:44:35.000Z","state":"MA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["We will have to use credit <em>monitoring</em> <em>services</em>, fraud alerts, and request frequent credit reports to ensure that our identity is not stolen."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[19.041958,"2669989"]},{"_index":"complaint-public-v1","_id":"2667923","_score":18.245138,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax announced a cyber-security 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-XX/XX/XXXX throughXX/XX/XXXX.\nI am one of those victims according to Equifaxs Check Potential Impact tool.\nThey offer a free subscription to TrustedID Premier, but if I agree to the terms of service I will not be able to participate in a class action lawsuit if one should be filed. Believe me when I say- I want to sue them out of existence.\nI do not trust Equifax with my personal information, as they have shown it is not secure. Now it 's 'out there ' forever. My personal credit information is now out of my control due to the ineptness of this company. My identity is at risk and it falls completely on the feet of Equifax.\nJust days after the breach, several top executives from Equifax sold almost {$2.00} million in stocks, yet they waited months to inform the public. I believe this to be criminal.\nThey are using fear to 'trick ' people into signing up for the credit monitoring service for one year free, only to ( 1 ) prevent them from suing, ( 2 ) to charge them for this service for the remainder of their life, if they wish to monitor their Identity and try to control their credit.","date_sent_to_company":"2017-09-08T16:12:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"284XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2667923","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T15:07:26.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["They are using fear to 'trick ' people into signing up for the credit <em>monitoring</em> <em>service</em> for one year free, only to ( 1 ) prevent them from suing, ( 2 ) to charge them for this <em>service</em> for the remainder of their life, if they wish to <em>monitor</em> their Identity and try to control their credit."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[18.245138,"2667923"]},{"_index":"complaint-public-v1","_id":"2670094","_score":16.623373,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My wife and I now just have to wait to become victims of identify thefts along with XXXX XXXX other Americans for the rest of our lives thanks to Equifax and its XXXX security breach that has been just announced by them as having occurred from XXXX through XXXX of this year. \n\nIn accordance with the recommendations of experts, we have obtained the services of a credit monitoring service and have frozen our credit with all XXXX credit reporting agencies at a cost of {$29.00} per month, each, as well as a fee of {$10.00} each, per agency, to \" freeze '' our credit reporting with them. The breach is obviously a separate matter entirely but to have to pay a fee to each of these agencies to freeze or unfreeze credit with them on a service consumers can not opt in or out of seems unavoidable and abusive in light of recent events ( a clear UDAAP violation for those of use working in regulated financial institutions XXXX. \n\nThe CFPB needs to also refocus itself to protecting consumers from UNREGULATED participants in our financial services industries such as credit reporting agencies and others that in additional to selling products also maintain private personal information. First and foremost with regards to \" protecting '' consumers the CFPB should look to ensure that these unregulated participants are subject to the same level of scrutiny and audits that XXXX and established regulators like the FDIC and XXXX do in some many areas including cybersecurity with regards to banks.","date_sent_to_company":"2017-09-12T15:35:07.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"493XX","tags":null,"has_narrative":true,"complaint_id":"2670094","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-12T15:10:38.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In accordance with the recommendations of experts, we have obtained the <em>services</em> of a credit <em>monitoring</em> <em>service</em> and have frozen our credit with all XXXX credit reporting agencies at a cost of {$29.00} per month, each, as well as a fee of {$10.00} each, per agency, to \" freeze '' our credit reporting with them."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[16.623373,"2670094"]},{"_index":"complaint-public-v1","_id":"2690135","_score":16.344706,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX data was breached. It has been more than 30 business days since XXXX made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from XXXX\nI have experienced other mass data breaches, including one via OPM. Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. \n\nThese widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.","date_sent_to_company":"2017-10-02T15:38:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"98383","tags":null,"has_narrative":true,"complaint_id":"2690135","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-10-02T15:38:17.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The recourse for credit alerts, freezes, and <em>monitoring</em> <em>services</em> are cumbersome and do nothing to prevent or reduce recurrence of the problem. \n\nThese widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[16.344706,"2690135"]},{"_index":"complaint-public-v1","_id":"2690134","_score":16.27945,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax data was breached. It has been more than 30 business days since Equifax made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from Equifax. \n\nI have experienced other mass data breaches, including one via OPM.  Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. \n\nThese widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.","date_sent_to_company":"2017-10-17T02:56:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"98383","tags":null,"has_narrative":true,"complaint_id":"2690134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-10-02T15:38:17.000Z","state":"WA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The recourse for credit alerts, freezes, and <em>monitoring</em> <em>services</em> are cumbersome and do nothing to prevent or reduce recurrence of the problem. \n\nThese widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[16.27945,"2690134"]},{"_index":"complaint-public-v1","_id":"2690081","_score":16.13423,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax data was breached. It has been more than 30 business days since Equifax made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from Equifax. \n\nI have experienced other mass data breaches, including one via OPM.  Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. \n\nThese widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.","date_sent_to_company":"2017-10-02T15:38:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"98383","tags":null,"has_narrative":true,"complaint_id":"2690081","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-10-02T14:55:27.000Z","state":"WA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The recourse for credit alerts, freezes, and <em>monitoring</em> <em>services</em> are cumbersome and do nothing to prevent or reduce recurrence of the problem. \n\nThese widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[16.13423,"2690081"]},{"_index":"complaint-public-v1","_id":"2662496","_score":15.780829,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax has clearly exhibited negligent, incompetent and irresponsible actions, which results in the massive data breach incident. It has acknowledged and been aware of the incident since XX/XX/2017 but did n't do anything about it until XX/XX/2017. Also, Equifax has similar data breach incidents previously but still ignore to address the issue within its own system and website. According to cybersecurity expert, it still fails to ensure its security practice are up to the industry standard. This is clearly irresponsible and negligent on Equifax 's part and I was impacted by this incident caused by Equifax. \n\nSince the announcement of the massive data breach incident on XX/XX/2017, Equifax has provided a tool to check if any individual was affected. However, this tool is virtually useless. First, this tool requests ssn and last name in order to verify, but these pieces of information are the part of the massive data breach. Therefore, anyone, who possessed the leaked data, can assume other person 's identity and potentially setup Equifax credit monitoring service instead of the actual affected individual. Secondly, Equifax did n't initially do due diligent to ensure the tool to verify and identity if the individual was affected working properly. This is irresponsible and exhibits incompetency on Equifax 's part.","date_sent_to_company":"2017-09-10T07:33:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2662496","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-10T03:01:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Therefore, anyone, who possessed the leaked data, can assume other person 's identity and potentially setup Equifax credit <em>monitoring</em> <em>service</em> instead of the actual affected individual. Secondly, Equifax did n't initially do due diligent to ensure the tool to verify and identity if the individual was affected working properly. This is irresponsible and exhibits incompetency on Equifax 's part."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[15.780829,"2662496"]},{"_index":"complaint-public-v1","_id":"4529058","_score":15.162423,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I wanted to report a cryptocurrency theft involving a Sim swap attack to your office that I became a victim of. On XX/XX/XXXX, I first observed loss of my cellular service around. I tried using my wife 's phone when she arrived home around to call XXXX and they told me that they could not locate my restore connection and failed to provide me any further information. I went to a local XXXX store where I was provided a new XXXX  sim card. Later that afternoon, I could not access my email and I also could not access my Coinbase investment account. I found that my Coinbase account balance was almost wiped out by a transaction to an unkown XXXX XXXX and lost originally invested XXXX $ ( of which approximately XXXX XXXX  were in the XXXX amount and rest were in various altcoins ). My bank account funds were impacted which was attached to Coinbase, however protected by XXXX due to a timely freeze on my account. \nAfter later recovering some emails from my deleted folder, I learnt that my email password was reset on XXXX XXXX at XX/XX/XXXX using my attached cell phone number. Coinbase password was reset on on XXXX XXXX which was immediately after the change of my email password. I tried to call Coinbase promptly to report and stop these transaction but they had no live agent support available and I only got a bot response on email. I had written them further emails about the unauthorized activity on the account and I have requested refund for the fraudulent activity that I have not conducted since their company claims to be FDIC insured and insured with cyber protection. I have received no response or outcome. \nThis crypto loss has taken place due to poor cybersecurity measures of Coinbase which made my account vulnerable despite 2-factor authentication in place. Coinbase has deceptively and intentionally promoted itself as the most trusted cryptocurrency platform, while failing to take reasonable and state-mandated steps to prevent cyberattacks. Coinbase is bound to maintain stringent anti-hacking programs that monitor and filter transactions for potential violations of the Bank Secrecy Act ( BSA ) and anti-money laundering ( AML ) statutes ; and implement measures designed to effectively detect, prevent and timely respond to fraud. They have eliminated providing a live agent support without notifying long time customers ( including myself ). None of the customary cybersecurity systems were in place to prevent such a crime, my assets were stolen from his account by a hacker who used an IP address and equipment, from a location never before used by me and also to an unknown Crypto key previously not verified by me, especially after a fresh password reset. A proper cyber security algorithm should have stopped this transaction by a simple lock out of the account requiring additional verification like some of the other exchanges such as XXXX, especially after a recent password reset. They self-advertise as FDIC protected and should cover for my XXXX  loss since I never authorized to buy the cryptoholdings made by the hacker and I believe my crypto losses should be covered under fraud protection insurance due to poor cybersecurity measures with Coinbase. This is not first such event. Coinbase has been previously named in lawsuits of similar nature [ XXXX XXXX XXXX XXXX XXXXXXXX  ]. There are thousands of other victims of theft loss reported on the internet including profiles like XXXX, XXXX and complaint channels such as XXXX \n\nI and my family already feel devastated by this financial loss and a security threat to our personal information resulting in possible identity theft. I would really appreciate your help to recover financial damages that we have sustained in this case due to poor cybersecurity measures of Coinbase. Given the high impact of identity theft and growing cybersecurity fraud, a disciplinary action is warranted to prevent other American households to become victims of such fraudulent activity. If a company with multibillion dollar revenue cant afford appropriate security measures on the accounts of its consumers and cant provide a live agent support, then there is definitely an intentional internal scam which this company is intentionally overlooking and may be facilitating such crimes in the name of so called scammers.","date_sent_to_company":"2021-07-09T18:13:45.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"12533","tags":null,"has_narrative":true,"complaint_id":"4529058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2021-07-09T18:04:07.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I would really appreciate your help to recover financial damages that we have sustained in this case due to poor <em>cybersecurity</em> measures of Coinbase. Given the high impact of identity theft and growing <em>cybersecurity</em> fraud, a disciplinary action is warranted to prevent other American households to become victims of such fraudulent activity."],"product":["Money transfer, virtual currency, or money <em>service</em>"]},"sort":[15.162423,"4529058"]},{"_index":"complaint-public-v1","_id":"1529148","_score":14.95894,"_source":{"product":"Credit reporting","complaint_what_happened":"XXXX XXXX, XXXX XXXXTransUnionXXXX XXXX XXXX, XXXX XXXXCase Number XXXX XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX XXXX XXXX regarding the recent cybersecurity incident and that my personal information may have been exposed. In the process of attempting to sign up for the credit monitoring service with XXXX XXXX XXXX XXXX, I was unable to register for the service because your company shows me as \" deceased ''. \n\nThe XXXX staff instructed me to contact your company which I, also, did on XXXX XXXX, 2015. During that conversation with a person named XXXX, I was instructed that I needed to confirm my \" non-deceaseness '' by providing a copy of my Social Security card and Form XXXX. You will find the requested information enclosed. Please correct your records to show that I am still among the living! XXXX informed me that I needed to contact the \" Social Administration Department '' for a XXXX. I queried him a couple of times as to what and where I was to find contact information for said Department. So with those incomplete instructions, I decided to try the Social Security Administration, which is the Agency I needed to contact for XXXX. I suggest you have your employees read the entire screen during their contacts to ensure that all of the necessary information gets passed along. \n\nI inquired of your employee when, who and how I came to be shown as \" deceased '' in your company 's records. He could not provide any clarification to my questions. I want an answer in writing with the details of the how, who, and when of the reports you received changing my living status to \" deceased ''. It is incredulous to me that with the click of a few buttons in your data base showing me as \" deceased '' should become an issue that I have to fix!!! \n\nYour immediate attention to this issue is vital. And provide a written notification to me that you have corrected your error. I can not enroll with XXXX credit monitoring until my status of \" deceased '' is changed to \" living '' in your data! \n\nWith quickest regards, XXXX XXXX XXXX XXXX ) CC : Consumer Finance Protection Bureau","date_sent_to_company":"2015-08-20T21:49:33.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"828XX","tags":null,"has_narrative":true,"complaint_id":"1529148","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-08-20T21:49:33.000Z","state":"WY","company_public_response":"Company chooses not to provide a public response","sub_issue":"Personal information"},"highlight":{"complaint_what_happened":["XXXX XXXX, XXXX XXXXTransUnionXXXX XXXX XXXX, XXXX XXXXCase Number XXXX XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX XXXX XXXX regarding the recent <em>cybersecurity</em> incident and that my personal information may have been exposed. In the process of attempting to sign up for the credit <em>monitoring</em> <em>service</em> with XXXX XXXX XXXX XXXX, I was unable to register for the <em>service</em> because your company shows me as \" deceased ''."]},"sort":[14.95894,"1529148"]},{"_index":"complaint-public-v1","_id":"2662076","_score":14.794678,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, XXXX, Equifax announced a cybersecurity incident impacting approximately 143 million U.S. consumers. The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver 's 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.S. consumers, were accessed. \n\nOn XXXX XXXX, XXXX, I used the https : //www.equifaxsecurity2017.comXXXX website to check my impact. I received the following information : \" Based on the information provided, we believe that your personal information may have been impacted by this incident. '' As of today XXXX XXXX, XXXX, I have not been able to get any further information from Equifax about the status of my credit, whether my information is secure, how it was released, why I was not informed earlier, or why I am not able to get credit monitoring immediately ( see below ). \n\nAlthough Equifax is offering credit monitoring, they have not yet allowed me access. Creating a further problem for me and my credit, Equifax is covering the credit monitoring for only one year. Malicious parties who stole my information can sell this information on black markets and simply wait one year to begin exploiting my data to steal my identity and illegally get credit in my name. \n\nEquifax did not secure my information with appropriate best-standard practices. My credit and financial life are now at risk and very vulnerable to fraud. Equifax did not properly disclose this breach to me. I learned about it on the news rather than directly - they have my contact information therefore should have notified me directly as their customer. Additionally Equifax has failed to provide sufficient information or protection for me and my credit/financial data. \n\nEquifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.","date_sent_to_company":"2017-09-09T17:48:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"50010","tags":null,"has_narrative":true,"complaint_id":"2662076","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T17:15:40.000Z","state":"IA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of <em>service</em>, segmentation of data, etc."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[14.794678,"2662076"]},{"_index":"complaint-public-v1","_id":"2678771","_score":14.682556,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I went to XXXX Cybersecurity website on XX/XX/XXXX see if my credit report was impacted and it was according to XXXX Waited until XX/XX/XXXX to  enroll. Did that XXXX XXXX said I would receive a confirmation email that night. TODAY is XX/XX/XXXX called to ask about confirmation email was hung up on Twice before I got the third Rep who did n't know  anything. I think XXXX XXXX is just giving me and other consumers the run around with the Monitoring Service it is supposed to be offering!!!!! In the mean time my Credit is suffering severely. I have 32 great open accounts with 100 % payments and over 100 credit inquiries from same companies In short time spans. I disputed these inquiries in XX/XX/XXXX confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! \nThanks XXXX","date_sent_to_company":"2017-09-19T21:15:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27704","tags":null,"has_narrative":true,"complaint_id":"2678771","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-19T21:15:20.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I went to XXXX <em>Cybersecurity</em> website on XX/XX/XXXX see if my credit report was impacted and it was according to XXXX Waited until XX/XX/XXXX to  enroll. Did that XXXX XXXX said I would receive a confirmation email that night. TODAY is XX/XX/XXXX called to ask about confirmation email was hung up on Twice before I got the third Rep who did n't know  anything. I think XXXX XXXX is just giving me and other consumers the run around with the <em>Monitoring</em> <em>Service</em> it is supposed to be offering!!!!!"],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[14.682556,"2678771"]},{"_index":"complaint-public-v1","_id":"2678769","_score":14.56197,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I went to XXXX Cybersecurity website on XXXX XXXX,2017 see if my credit report was impacted and it was according to XXXX Waited until XXXX XXXX 2017 to  enroll. Did that XXXX XXXX said I would receive a confirmation email that night. TODAY is XXXX XXXX  2017 called to ask about confirmation email was hung up  on Twice before I got the third Rep who did n't know anything. I think XXXX XXXX is just giving me and other consumers the run around with the Monitoring Service it  is supposed to be offering!!!!! In the mean time my Credit is  suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! \nThanks XXXX","date_sent_to_company":"2017-09-19T21:15:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27704","tags":null,"has_narrative":true,"complaint_id":"2678769","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-09-19T21:15:20.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I think XXXX XXXX is just giving me and other consumers the run around with the <em>Monitoring</em> <em>Service</em> it  is supposed to be offering!!!!! In the mean time my Credit is  suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[14.56197,"2678769"]},{"_index":"complaint-public-v1","_id":"2678770","_score":14.545693,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I went to Equifax Cybersecurity website on XXXX XXXX,2017 see if my credit report was impacted and it was  according to Equifax. Waited until XXXX XXXX 2017 to enroll. Did that Equi fax said I would receive a confirmation email that night. TODAY is XXXX XXXX, 2017 called to ask about confirmation email was hung up on Twice before I got the third Rep who did n't know anything. I think Equi fax is just giving me and other consumers the run around with the Monitoring Service it is supposed to be offering!!!!! In the mean time my Credit is suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! \nThanks XXXX","date_sent_to_company":"2017-09-19T21:15:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27704","tags":null,"has_narrative":true,"complaint_id":"2678770","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-19T20:19:40.000Z","state":"NC","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I think Equi fax is just giving me and other consumers the run around with the <em>Monitoring</em> <em>Service</em> it is supposed to be offering!!!!! In the mean time my Credit is suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[14.545693,"2678770"]},{"_index":"complaint-public-v1","_id":"11241891","_score":13.940384,"_source":{"product":"Mortgage","complaint_what_happened":"Data breach Mr Cooper XX/XX/XXXX. XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX Mr. Cooper XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Notice of Data Breach Dear XXXX XXXX, Nationstar Mortgage LLC ( XXXX Mr. Cooper XXXX writes to inform you of a data security incident at Mr. Cooper that may have involved some of your personal information. If you are not familiar with the Mr. Coope brand : Your mortgage mav have been previousiv acquired or serviced by Nationstar Mortgage LLC o ' XXXX XXXX XXXX ; Your mortgage is or was serviced by a sister brand ' ; Mr. Cooper may be or previously was the servicing partner of your mortgage company ; or You previously applied for a home loan with us.\n\nAlthough we have no evidence at this time that your information has been misused for identity theft or Traud as a result of this incident, we are contacting you to explain the circumstances of this event, and to provide information about the service we will provide to help you protect yourself. \nWhat Happened? \nOn XX/XX/XXXX, Mr. Cooper detected suspicious activity in certain network systems. Immediately upon detection, we initiated response protocols, launched an investigation with the assistance o cybersecurity experts to determine the nature and scope of the incident, and contacted law enforcement. \nWe also made the decision to shut down our systems to contain the incident and in an effort to protect our customers information. Through our investigation, we determined that there was unauthorized acces : to certain of our systems between XX/XX/XXXX and XX/XX/XXXX. During this period, we identified that files containing personal information were obtained by an unauthorized party. \nWhat information was Involved? \nThe personal information in the impacted files included your name, address, phone number, email address, Social Security number, date of birth. \nWhat We Are Doing. \nwe take the security or the data entrusted to us very seriously. Upon learning of this Incident, we immediately took steps to identify and remediate it, including locking down our systems, changing account passwords, and restoring our systems. We initiated a detailed review to identify personal ^ Sister brands include XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX information contained in the impacted files as part of the incident. We are monitoring the dark web and have not seen any evidence that the data related to this incident has been further shared, published, or otherwise misused. We are also further enhancing the security of our systems to help Prevent Incidents like XXXX XXXX XXXX in the tuture To help relieve concerns following this incident, we are providing you with access to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Score services at no charge . These services provide you with alerts when changes occur to your credit file for 24 months from the date of enrollment. This alert is sent to you the same day that the change or update takes place with the bureau. Finally, we are providing you with proactive fraud assistance to help with any questions that you might have or in the event that you become a victim of fraud. These services will be provided by XXXX through XXXX XXXX, a XXXX company specializing in fraud assistance and remediation services. \nWhat You Can Do. \nWe encourage you to enroll in free identity protection services by logging on to www.mytrueidentity.com and following the instructions provided. When prompted, please provide the following unique code to receive services : XXXX. \nPlease note that we are unable to independently take this step for you. In order for you to receive the monitoring services described above, vou must enroll within 90 days from the date of this letter. The enrollment requires an interne connection and e-mail account and may not be avallable to minors under the age of lo years or age Please note that when signing up for monitoring services, you may be asked to verify personal information for your own protection to confirm your identity You will need to reference the","date_sent_to_company":"2025-01-09T20:09:20.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"93454","tags":"Servicemember","has_narrative":true,"complaint_id":"11241891","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2024-12-21T06:46:18.000Z","state":"CA","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Closing disclosure or other related disclosures"},"highlight":{"complaint_what_happened":["In order for you to receive the <em>monitoring</em> <em>services</em> described above, vou must enroll within 90 days from the date of this letter. The enrollment requires an interne connection and e-mail account and may not be avallable to minors under the age of lo years or age Please note that when signing up for <em>monitoring</em> <em>services</em>, you may be asked to verify personal information for your own protection to confirm your identity You will need to reference the"]},"sort":[13.940384,"11241891"]},{"_index":"complaint-public-v1","_id":"18401227","_score":13.74481,"_source":{"product":"Mortgage","complaint_what_happened":"I Have a XXXX data breach with a insurance fraud cyber liability claim for a data breach. My account was compromised with a dispute for XXXX XXXX it hack data breach. My account was compromised with liability claims for comprehensive insurance fraud. My account was inaccessible log in with compromised email credentials. I sent a ID restoration XXXX with my degree and compromised learning skills with high achievements. I sent the mentally ill schizophrenic sickness with the malpractice claim lawyer. We are now, with the council making a referral for emotional stressed out patient documents updated for bankruptcy petition and liability claims with my insurance provider. I sent a policy update to my class council litigation but my account was hacked and compromised with a malpractice referral account affidavit. Identity theft XXXX with my legal department. I asked to file a contract for appeal of the bankrupt fraud ID restoration for XXXXXXXX XXXX XXXXmended identitytheft.gov XXXX return. I have a policy update for suspended account ID restoration fraud alert of a data breach. I want to update the policy. In XX/XX/year>, XXXX XXXX experienced a significant data breach, compromising personal information ( names, emails, dates of birth, locations, service dates ) for roughly XXXX XXXX patients, accessed via an external storage location used for email formatting, though XXXX stated no clinical or financial data like SSNs or credit cards were taken, but some data on the dark web contradicted this. The breach led to lawsuits and concerns over third-party vendor security, prompting XXXX to XXXX credit monitoring, while advising patients to watch for phishing attempts. \nWhat Happened? \nType of XXXX : XXXX data included names, addresses, emails, phone numbers, dates of birth, service dates, locations, and next appointment dates. \nSource : The breach involved data stolen from an external storage location used for automated email messages, not XXXX 's main systems. \nScope : Approximately XXXX XXXX patients were affected. \nXXXX 's Stance : XXXX stated no clinical or payment data ( SSNs, credit card numbers, etc. ) was compromised, though hackers claimed to have health diagnoses. \nXXXX & XXXX : Lawsuits : Class-action lawsuits were filed against XXXX. \nPatient Advice : XXXX planned to contact affected patients and offer credit monitoring ; patients were advised to be wary of phishing emails, texts, and calls. \nInvestigation : The incident triggered investigations by law enforcement and cybersecurity experts.","date_sent_to_company":"2026-01-01T10:28:27.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Reverse mortgage","zip_code":"287XX","tags":null,"has_narrative":true,"complaint_id":"18401227","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Lanier Law Firm, LLC","date_received":"2026-01-01T10:03:19.000Z","state":"NC","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue with the application process"},"highlight":{"complaint_what_happened":["Patient Advice : XXXX planned to contact affected patients and offer credit <em>monitoring</em> ; patients were advised to be wary of phishing emails, texts, and calls. \nInvestigation : The incident triggered investigations by law enforcement and <em>cybersecurity</em> experts."]},"sort":[13.74481,"18401227"]},{"_index":"complaint-public-v1","_id":"2696334","_score":13.492486,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"EXPERIAN SCAM:  Experian is advertising on TV to visit Experian.com/scan to get a FREE deep web report to see if customers have been compromised after their data breach. I researched to ensure it was actually the Experian web site and confirmed it was Experian.\n\nI accessed the site, entered my email address and clicked Scan.\nIn less than 1 minute I received an email from Experian (Experian ) stating that I had indeed been breached.\n\nCopied email below:\n\nWe've scanned the Dark Web for your email address. This is what we've found. \nYou and your information are at risk if your email address is compromised. This scan of the Dark Web will show compromised instances of your email address, which may put your identity at risk.\n\n\tView your report\nXXXX \n\tReport expires in 10 days\n\nI tried to paste a screenshot of the results but this textbox will not allow the paste. \n\nThe scan produced no useful information. Experian is trying to sell a service ($XXXX per month) for credit monitoring.  It was a sales pitch to make money off of the millions of people exposed due to their incompetency.\n \nI am outraged that my personal information has been breached by Experian, the XXXX, XXXX and the list goes on. Cyber-security is not a new concept. The DoD, NIST (https://nvd.nist.gov/800-53/Rev4), and other technology standards groups, have created and published security controls in detail on multiple government web sites. There is no excuse for any company or government agency failing to protect the most private information of the people they serve.\n\nPlease take action to address the Experian issue and forward my complaint, the information I provided in the Action Requested section, and the screenshot, if needed, to any other agencies you feel could further address my complaints in general.\n\nThank you,\nXXXX XXXX","date_sent_to_company":"2017-10-08T22:59:36.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"29063","tags":null,"has_narrative":true,"complaint_id":"2696334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-10-08T20:56:47.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["Experian is trying to sell a <em>service</em> ($XXXX per month) for credit <em>monitoring</em>.  It was a sales pitch to make money off of the millions of people exposed due to their incompetency.\n \nI am outraged that my personal information has been breached by Experian, the XXXX, XXXX and the list goes on. <em>Cyber-security</em> is not a new concept."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"],"issue":["Credit <em>monitoring</em> or identity theft protection <em>services</em>"],"sub_issue":["Didn't receive <em>services</em> that were advertised"]},"sort":[13.492486,"2696334"]},{"_index":"complaint-public-v1","_id":"11388155","_score":13.241781,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My information was exposed in a data breach. I am seeing multiple accounts for the same debts on my credit reports. When I dispute they just keep saying they are mine. \n\nSee Letter : XX/XX/year>XXXX  Re : Notice of Data Breach XXXX XXXX, We are writing to inform you that some of your personal information was recently impacted when XXXX XXXX  XXXX XXXX ( XXXX  ) was the victim of a cybersecurity attack. XXXX provides financial services including Banking-as-a-Service products to host accounts and provide mobile banking. This incident did not impact your funds stored with XXXX. \n\nPlease read this notice carefully, as it provides uptodate information on what happened and what we are doing, as well as information on how you can obtain complimentary credit monitoring. \n\nWhat happened? \n\nOn XX/XX/year>XXXX XXXX identified that some of its systems were not working properly. While it initially appeared to be a hardware failure, we subsequently learned it was unauthorized activity. XXXX  promptly initiated its incident response processes and stopped the attack. No new unauthorized activity on XXXX systems has been identified since XX/XX/year>. An investigation with assistance from a cybersecurity firm was initiated to investigate what happened and what data may have been impacted. XXXX also notified law enforcement and worked to add further protections to harden its systems. \n\nWhat personal information was involved? \n\nThere is no evidence that the threat actors accessed any customer funds, but it appears the threat actors did access and download customer information from XXXX databases and a file share during periods in XXXX and XX/XX/year>. \n\nWithin these downloaded files, XXXX  identified the following personal data about you : Name, Contact Information, XXXX  Account Number, Social Security Number and Date Of Birth. \n\nWhat we are doing : XXXX  is offering you a complimentary 24month membership to XXXX credit monitoring and identity theft protection services. We are also providing you with proactive fraud assistance to help with any questions that you might have or in the event that you become a victim of fraud. These services will be provided by XXXX, a XXXX company specializing in fraud assistance and remediation services. Please see Attachment A below for additional details regarding these services. You must enroll by XX/XX/year>, to receive these services. \n\nPrior to the incident, XXXX had a significant number of cybersecurity measures in place. Since becoming aware of the incident, XXXX has taken steps to further strengthen its security response protocols, policies and procedures, and its ability to detect and respond to suspected incidents. \n\nWhat you can do : It is always a good idea to remain vigilant against threats of identity theft or fraud and to regularly review and monitor your account statements and credit history for any signs of unauthorized transactions or activity. 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In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. \nSincerely, XXXX XXXX Enclosures : Identity Theft Report XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. \nSincerely, XXXX XXXX Enclosures : Identity Theft Report XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. \nSincerely, XXXX XXXX Enclosures : Identity Theft Report XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. 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We are also providing you with proactive fraud assistance to help with any questions that you might have or in the event that you become a victim of fraud. These <em>services</em> will be provided by XXXX, a XXXX company specializing in fraud assistance and remediation <em>services</em>. Please see Attachment A below for additional details regarding these <em>services</em>."]},"sort":[13.241781,"11388155"]},{"_index":"complaint-public-v1","_id":"11389259","_score":13.1911745,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My information was exposed in a data breach. I am seeing multiple accounts for the same debts on my credit reports. When I dispute they just keep saying they are mine. \n\nSee Letter : XX/XX/year> Re : Notice of Data Breach XXXX XXXX, We are writing to inform you that some of your personal information was recently impacted when XXXX XXXX XXXX XXXXXXXX ( XXXX  ) was the victim of a cybersecurity attack. XXXX provides financial services including Banking-as-a-Service products to host accounts and provide mobile banking. This incident did not impact your funds stored with XXXX. \n\nPlease read this notice carefully, as it provides uptodate information on what happened and what we are doing, as well as information on how you can obtain complimentary credit monitoring. \n\nWhat happened? \n\nOn XX/XX/year>, XXXX identified that some of its systems were not working properly. While it initially appeared to be a hardware failure, we subsequently learned it was unauthorized activity. XXXX  promptly initiated its incident response processes and stopped the attack. No new unauthorized activity on XXXX systems has been identified since XX/XX/year>. An investigation with assistance from a cybersecurity firm was initiated to investigate what happened and what data may have been impacted. 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Please see Attachment A below for additional details regarding these services. You must enroll by XX/XX/year>, to receive these services. \n\nPrior to the incident, XXXX had a significant number of cybersecurity measures in place. Since becoming aware of the incident, XXXX has taken steps to further strengthen its security response protocols, policies and procedures, and its ability to detect and respond to suspected incidents. \n\nWhat you can do : It is always a good idea to remain vigilant against threats of identity theft or fraud and to regularly review and monitor your account statements and credit history for any signs of unauthorized transactions or activity. You can also enroll in the TransUnion service being offered to you. Additional information about how to protect your identity and personal information is contained in Attachment B below. \n\nFor more information : A dedicated call center is also being set up to answer your questions about this incident. 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Please let me know if you need any other information from me to block this information from my credit report. \nSincerely, XXXX XXXX Enclosures : Identity Theft Report XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. \nSincerely, XXXX XXXX Enclosures : Identity Theft Report XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. \nSincerely, XXXX XXXX Enclosures : Identity Theft Report XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section XXXX of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. 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