{"took":171,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":10,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11844016","_score":29.542925,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX data breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being. Please see my attached FTC Identity Theft Reports.","date_sent_to_company":"2025-01-30T06:23:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"11844016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-01-30T06:23:44.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have experienced unauthorized access to my personal information due to <em>data</em> <em>breaches</em> at XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and the <em>dark</em> web. The XXXX <em>data</em> <em>breach</em>, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of <em>millions</em> of individuals, including myself."]},"sort":[29.542925,"11844016"]},{"_index":"complaint-public-v1","_id":"11844013","_score":29.290379,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX XXXX breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being. Please see my attached FTC Identity Theft Reports.","date_sent_to_company":"2025-01-30T06:23:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"11844013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2025-01-30T06:23:44.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have experienced unauthorized access to my personal information due to <em>data</em> <em>breaches</em> at XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and the <em>dark</em> web. The XXXX XXXX <em>breach</em>, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of <em>millions</em> of individuals, including myself."]},"sort":[29.290379,"11844013"]},{"_index":"complaint-public-v1","_id":"11837273","_score":29.290379,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX XXXX  breach, which occurred in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being. Please see my attached FTC Identity Theft Reports.","date_sent_to_company":"2025-01-30T06:23:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"11837273","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-01-30T05:45:05.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have experienced unauthorized access to my personal information due to <em>data</em> <em>breaches</em> at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the <em>dark</em> web. The XXXX XXXX  <em>breach</em>, which occurred in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have exposed sensitive personal information of <em>millions</em> of individuals, including myself."]},"sort":[29.290379,"11837273"]},{"_index":"complaint-public-v1","_id":"11862956","_score":28.79615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have found myself in as a victim of identity theft, which have left erroneous accounts and information on my Consumer Credit Report. Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX data breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being","date_sent_to_company":"2025-01-30T07:01:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"11862956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2025-01-30T07:01:29.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The XXXX <em>data</em> <em>breach</em>, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of <em>millions</em> of individuals, including myself. These <em>breaches</em> have left me vulnerable to various forms of <em>identity</em> theft, as my personal <em>data</em> was compromised without my consent or knowledge."]},"sort":[28.79615,"11862956"]},{"_index":"complaint-public-v1","_id":"11862958","_score":28.69526,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have found myself in as a victim of identity theft, which have left erroneous accounts and information on my Consumer Credit Report. Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX data breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being","date_sent_to_company":"2025-01-30T07:01:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"11862958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-01-30T07:01:29.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The XXXX <em>data</em> <em>breach</em>, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of <em>millions</em> of individuals, including myself. These <em>breaches</em> have left me vulnerable to various forms of <em>identity</em> theft, as my personal <em>data</em> was compromised without my consent or knowledge."]},"sort":[28.69526,"11862958"]},{"_index":"complaint-public-v1","_id":"11849931","_score":28.472113,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have found myself in as a victim of identity theft, which have left erroneous accounts and information on my Consumer Credit Report. Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX XXXX breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being","date_sent_to_company":"2025-01-30T07:01:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"11849931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-01-30T06:26:29.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The XXXX XXXX <em>breach</em>, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of <em>millions</em> of individuals, including myself. These <em>breaches</em> have left me vulnerable to various forms of <em>identity</em> theft, as my personal <em>data</em> was compromised without my consent or knowledge."]},"sort":[28.472113,"11849931"]},{"_index":"complaint-public-v1","_id":"5179026","_score":18.685837,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, I received the following advisement from Equifax : Claim No. XXXX Dear XXXX XXXX XXXX : You filed a claim in the Equifax Data Breach Settlement and chose to receive free, three-bureau ( Equifax, XXXX, and XXXX ) credit monitoring from XXXX for XXXX years. Implementation of the Settlement was delayed by appeals ; however, the Settlement is now effective because appellate courts have affirmed it. This email provides additional information about the services provided by XXXX as part of the Settlement and how you can enroll. \n\nYou are receiving free membership in XXXX XXXX for XXXX years. You must enroll by XX/XX/2022. \n\nThis service is free for you and provided as a Settlement benefit. You do not need to provide any payment information to enroll and you do not need to cancel the service when it ends. We encourage you to enroll today. \n\n\n\nHOW TO ENROLL : Visit the XXXX XXXX Website : XXXX Enter Your Activation Code : XXXX You must use the above code to enroll by XX/XX/2022 ( your activation code will not work after this date ). \nIf you have questions, need help with Identity Restoration ( either because you were a victim of fraud or identity theft ) because of the Equifax data breach, or would like another way to sign up for XXXX XXXX, please call XXXX customer care team toll-free at XXXX. So that the team may better serve you, please be prepared to provide them with engagement number XXXX so that you may access the XXXX XXXX XXXX XXXX for assistance with fraud or identity theft. For more information on Identity Restoration services, visit www.experianidworks.com/equifaxsettlement. \n\n\n\nYour XXXX XXXX Membership includes : Daily Credit Monitoring* from each of the three nationwide Consumer Reporting Agencies showing key changes to your Consumer Reports ; Automated alerts when new accounts are opened ; inquiries or requests for credit reports are made for the purpose of determining credit ; changes to address ; and negative information ( including delinquencies or bankruptcies ) ; On-demand online access to a copy of your XXXX Consumer Report, updated monthly ; Automated non-credit alerts, using public or proprietary data sources, for example : when certain information is found on suspicious website or the dark web ; when names, aliases, and addresses have been associated with your Social Security Number ; when a payday loan or unsecured credit has been taken or opened using your Social Security Number ; when your information matches information in arrest or criminal court records ; when your information is used for identity authentication ; when your mail has been redirected through the U.S. Postal Service; when banking activity is detected related to new deposit account applications, changes to personal information, and new signers are added to accounts ; and when a balance is reported on your credit line that has been inactive for at least six months ; Up to One Million in Identity Theft Insurance** which provides coverage for certain costs and unauthorized electronic fund transfers ; A customer service center to assist with enrollment, monitoring alerts, disputes, fraud, and other Credit Monitoring Service questions ; Full Identity Restoration Service if you are the victim of fraud or identity theft ( which includes a dedicated identity theft restoration specialist who will provide you with step-by-step assistance, and form letters to contact companies, government agencies, and Consumer Reporting Agencies ), and Child Monitoring Services ( for Class Members under the age of eighteen ). \n\nFor more information about XXXX XXXX, or if you can not register online, please call XXXX toll-free at XXXX. \n\nIf you have any questions about the XXXX, please call the Equifax XXXX XXXX XXXX XXXX at XXXX. \n\nSincerely, Equifax XXXX XXXX XXXX XXXX BUT ... \nAfter numerous calls, I was met with a website that would not reply with my credit report, and when I called the furnished telephone number, 2 times! ; was met with incompetant and unillegigible people on the phone. \nAnd typically disconnected after many, many minutes while being place on hold. \n\nIt seems their response program has been staffed with low level personnel ; who are somewhat incompentant, unknowledgable ; and not able to navigate the terms of the FTC & the CFPB agreeement between the United States Government and Equifax. \n\nHelp? ... or no?","date_sent_to_company":"2022-02-02T23:06:11.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"5179026","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-02T22:52:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["<em>alerts</em>, using public or proprietary <em>data</em> sources, for example : when certain information is found on suspicious website or the <em>dark</em> web ; when names, aliases, and addresses have been associated with your Social Security Number ; when a payday loan or unsecured credit has been taken or opened using your Social Security Number ; when your information matches information in arrest or criminal court records ; when your information is used for <em>identity</em> authentication ; when your mail has been redirected"]},"sort":[18.685837,"5179026"]},{"_index":"complaint-public-v1","_id":"2660500","_score":18.584677,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"As ONE consumer, I am sick and tired of companies collecting my data and NOT protecting it, allowing it to be breached, and then waiting so long to eventually disclose and then still offer no support or assistance. Why should this company be allowed to house and process my data without my consent and NOT secure it? Unacceptable!!\n-- -- U.S. consumers hearing the news yesterday of a massive Equifax data breach, which the company revealed potentially affects 143 million consumers, and includes data such as names, addresses, dates of birth, social security numbers, drivers licenses and for a subset of hundreds of thousands credit card information too, not only had to contemplate the horrendous scale of the thing.\nThey were also left to grapple with an Equifax emergency response line that hung up on them, and an Equifax data breach help website that appears to raise a lot more questions than it answers not least the core consideration that its requiring desperately worried consumers to trust a company that has failed to protect their personal data with more of their personal data, by inputting it into a web form, just to check whether they might be affected by the breach.\nAnd thats before you even consider whether Equifax is trying to use the sites terms of service to get users to waive their rights to bring a class action lawsuit against it as appears to be the case. Which would be spectacularly unclassy, to say the least.\nThe cherry on this unlovely layer cake is the fact the credit checking company states it found out about the breach on XX/XX/XXXX of this year while the unauthorized access apparently occurred from mid-XX/XX/XXXX through XX/XX/XXXX.\nWhich means its given itself well over a month before deigning to tell consumers their personal data might be in the hands of identity thieves.\nThat might not seem so bad if you compare it to the current biggest ( known ) data breaches affecting at least 500M XXXX  accounts, and more than 1BN XXXX accounts which took place years before the company disclosed the intrusions to the public, although its not clear when exactly XXXX itself discovered the breaches.\nEven so, 40 days remains an awfully long time for consumers to be kept in the dark about the fact their identities and other highly sensitive personal data might be being traded by hackers, used to compromise other services, and sold to spammers for targeted spearphishing attacks.\nEquifax does not explain the length of time it took to inform the public about the breach. And yesterday said it will be writing directly to affected individuals, and is in the process of contacting state and federal regulators. So, very clearly, the company hasnt been spending any of the past 40 days warning affected individuals or informing data watchdogs that its systems had been breached.\nThe US does not currently have a federal law requiring companies to inform the public about data breaches, though one was proposed in XX/XX/XXXXunder President Obama which would have set a 30-day notification requirement, but it failed to get support.\nAnd while the vast majority of states have enacted breach notification statutes of their own at this point, and some have stricter notification requirements than the XX/XX/XXXXproposal, others dont. Its a patchwork and therefore a lottery for U.S. consumers.\nOver the pond in the European Union the story is different. A single breach notification standard for personal data was agreed at the end of XX/XX/XXXX and is set to come into force inXX/XX/XXXX, under the incoming GDPR ( General Data Protection Regulation ).\nThis will set a data breach notification bar across the bloc of not later than 72 hours after a data controller has become aware of an intrusion.\nThere are some caveats to this portion ( Article 33 ) of the regulation ( phrases like without undue delay and, where feasible, and some potential for exclusion based on the type of data being breached ( unless the personal data breach is unlikely to result in a risk to the rights and freedoms of natural persons ).\nBut the expectation is clearly that data controllers must disclose a personal data breach to a national supervisor data authority, at the very least, radically sooner than the 40 days later which Equifax reckons is an acceptable disclosure timeframe.\n( While the type of data involved in the Equifax breach is clearly highly sensitive, so this incident would seem a very unlikely candidate for qualifying for a notification exemption under GDPR. ) Another change Europes incoming rules are bringing is a big stick to drive compliance for the new breach notification standard, as companies that do not comply with the new rules risk very stiff penalties for failing to do so.\nIn the case of non-compliance over breach notification, the GDPR gives data watchdogs the power to issue fines of up to 10M ( ~ $ 12M ) or up to 2 % of the total worldwide annual turnover of a companys preceding financial year, whichever is higher.\nIn Equifaxs case its XX/XX/XXXXoperating revenue was ~ $ XXXX. So under the GDPR regime the company might have faced a fine of around $ 62.9M if it hadnt reported this data breach multiple weeks sooner than it chose to. ( Indeed, its expecting its full year XX/XX/XXXXrevenue to be even higher, between $ 3.395BN and $ 3.425BN, so this theoretical fine inflates to as much as $ XXXX. ) Which does rather give pause for thought.\nIf youre a multinational corporation processing the personal data of EU citizens those sorts of figures probably send some rather large shivers down the CEOs spine.\nEquifax does indeed have a European presence, and has also said that some UK consumers are affected by the breach writing yesterday that as part of its investigation it also identified unauthorized access to limited personal information for certain UK and Canadian residents, and adding : Equifax will work with UK and Canadian regulators to determine appropriate next steps. So if these  events had been shifted just a few months into the future Equifax might well have been forced to handle the breach disclosure very differently or else it would be risking a very large fine under GDPR.\nThe question then would be, would it have informed the UK regulatory of the breach within 72 hours whilst continuing to keep U.S. data watchdogs and U.S. consumers in the dark? That wouldnt seem like great domestic PR.\nThe aim of Europes new rules is of course to encourage companies that collect and store consumers personal data not to treat the security of that data as an afterthought. And large fines for failure is certainly one way to grease the pipe of security spending among corporates.\nAs the UKs DPA warns on its website in an FAQ about the new breach notification rules : In light of the tight timescales for reporting a breach it is important to have robust breach detection, investigation and internal reporting procedures in place.\nWhile an interesting potential side-effect of the new, tougher regime is whether it will end up forcing higher standards on non-European businesses, especially those in the U.S. given many do handle EU citizens data, and will therefore need to reconfigure their processes to meet the blocs new standard.\n( The GDPR also expands the definition of what personal data is, and brings additional requirements such as a right for consumers to see what information is held about them and have it deleted on request so there are other big changes incoming. ) Weve reached out to Equifax in the UK for comment and will update this post with any response.\nIn a statement, the deputy commissioner of the UKs data protection watchdog, commissioner XXXX XXXX, told us : Reports of a significant data loss at US-based Equifax and the potential impact on some UK citizens gives us cause for concern. We are already in direct contact with Equifax to establish the facts including how many people in the UK have been affected and what kind of personal data may have been compromised.\nWe will be advising Equifax to alert affected UK customers at the earliest opportunity, he added.","date_sent_to_company":"2017-09-09T05:51:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92084","tags":null,"has_narrative":true,"complaint_id":"2660500","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T05:36:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Even so, 40 days remains an awfully long time for consumers to be kept in the <em>dark</em> about the fact their <em>identities</em> and other highly sensitive personal <em>data</em> might be being traded by hackers, used to compromise other services, and sold to spammers for targeted spearphishing attacks.\nEquifax does not explain the length of time it took to inform the public about the <em>breach</em>."]},"sort":[18.584677,"2660500"]},{"_index":"complaint-public-v1","_id":"17897112","_score":12.151218,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint against Bilt Rewards for their refusal to compensate me for damages resulting from their third-party vendor 's ( XXXX XXXX XXXX XXXXXXXX ) data breach. Bilt chose XXXX as its banking partner, shared my personal data with XXXX, and when XXXX suffered a massive breach affecting XXXX XXXX people, Bilt refused to take responsibility. I have suffered {$3300.00} in documented damages due to Bilt 's failures. \n\nWHAT HAPPENED The Data Breach In XX/XX/XXXX, XXXX XXXX XXXX XXXX, Bilt 's banking services provider, suffered a ransomware attack by the XXXX XXXX XXXX. The breach compromised my : Social Security number Bank account information Full name and date of birth Contact information Financial transaction records I am a Bilt customer. I have no direct relationship with XXXX. Bilt chose to use XXXX as its backend banking infrastructure and shared my data with it without my knowledge or explicit consent. \nTimeline of Failures XX/XX/XXXX : Breach occurs at XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : Bilt sends me an email stating : My information \" may have '' been compromised There was \" no definitive proof '' of impact This was \" out of an abundance of caution. '' I should take protective measures at my own expense Critically, Bilt OMITTED : That XXXX  would contact me directly with remediation offers That free credit monitoring would be available That a class action settlement would provide up to {$3000.00} in compensation That I should watch for communications from XXXX  XX/XX/XXXX : According to Bilt ( disclosed XX/XX/XXXX ), XXXX  allegedly began sending direct notifications offering 24 months of FREE credit monitoring through XXXX. \nI NEVER RECEIVED ANY NOTIFICATION FROM XXXX. Not by mail, email, phone, or any other method. \nXXXX XXXX : XXXX  class action settlement notice period. The settlement offered : Up to {$3000.00} for documented losses OR {$20.00} flat payment PLUS one year of credit monitoring I NEVER RECEIVED ANY SETTLEMENT NOTICE. Not by mail, email, or any method. \nXX/XX/XXXX : Settlement claim deadline passes without my knowledge. \nXX/XX/XXXX : I contact Bilt requesting reimbursement for credit monitoring costs ( {$350.00} ). \nXXXX XXXX XXXX : Bilt repeatedly tells me to \" contact XXXX  directly '' despite : I am a Bilt customer, not an XXXX  customer I have no relationship with XXXX  Bilt chose XXXX  and shared my data with them XX/XX/XXXX : Bilt finally discloses ( 18 MONTHS LATE ) that : XXXX  offered 24 months of free credit monitoring The enrollment period has expired A settlement existed with an XX/XX/XXXX deadline I missed everything due to notification failure XX/XX/XXXX : Bilt Legal sends formal rejection stating : \" Bilt is not liable for the incident at XXXX. '' \" There is no legal basis for your request. '' \" Contact XXXX directly. '' \" We consider this matter closed. '' WHY THIS VIOLATES CONSUMER PROTECTION LAW 1. UNFAIR PRACTICES Under 12 U.S.C. 5531, the CFPB prohibits unfair practices. Bilt 's conduct is unjust because : A. Inadequate Vendor Oversight Bilt failed to : Properly vet XXXXXXXX XXXX cybersecurity before selecting them as a vendor Monitor XXXX XXXX ongoing security compliance Ensure XXXX can properly notify affected customers Verify that customers received remediation offers Take corrective action when notification systems fail Bilt admits it has \" no visibility '' into XXXXXXXX XXXX notification processesthis confession reveals inadequate vendor oversight. \nB. Notification Failure Bilt 's XX/XX/XXXX, notification was inadequate because it : Downplayed severity ( \" no definitive proof, '' \" abundance of caution '' ) Omitted critical information about free remediation Omitted information about the settlement Failed to direct customers to watch for XXXX  communications Misled customers into believing they should pay for protection themselves C. 18-Month Delay in Disclosure Bilt waited 18 months to inform me that free remediation had been available. By then : Free monitoring enrollment had expired The settlement claim deadline had passed ( by 38 days ) I had lost all opportunity for the XXXX XXXXXXXX in benefits I was entitled to This delay was not inadvertentI contacted Bilt in XX/XX/XXXX, specifically asking about reimbursement, and they still deflected me to XXXX  rather than immediately disclosing the expired remediation. \nD. Deflection Creating Liability Gap Bilt 's position creates an unfair liability gap : Bilt says, \" Contact XXXX, they're responsible. '' XXXX would say : \" Contact Bilt, they're our customer. '' Consumer gets trapped in the middle with no remediation This is precisely the scenario consumer protection law is designed to prevent.\n\n2. DECEPTIVE PRACTICES Bilt engaged in materially misleading conduct : A. Misleading Breach Notification A reasonable consumer reading Bilt 's XX/XX/XXXX notification would conclude : They probably weren't affected ( \" no definitive proof '' ) No free remediation would be available They should take protective measures at their own cost This is materially misleading because free remediation WAS availableBilt didn't tell customers about it.\n\nB. False Impression of No Liability Bilt 's repeated statements that they're \" not liable '' and that customers should \" contact XXXX directly '' create a false impression that Bilt bears no responsibility for vendor failures.\n\nThis contradicts established legal precedent where customer-facing companies are held liable for vendor breaches : XXXX  : {$18.00} XXXX settlement ( HVAC vendor breach ) XXXX  XXXX : {$190.00} XXXX settlement ( XXXX XXXX XXXX  ) XXXX  : {$350.00} XXXX settlement ( vendor vulnerability breaches ) XXXX XXXX : {$19.00} XXXX settlement ( vendor credential breach ) XXXX  : {$52.00} XXXX settlement ( subsidiary vendor breach ) XXXX  : {$380.00} XXXX settlement ( third-party software vulnerability ) C. Premature \" Matter Closed '' Declaration Bilt declared \" we consider this matter closed '' despite : Unresolved consumer harm ( {$3300.00} in damages ) Available administrative remedies ( this complaint ) Available judicial remedies No agreement from me to close the matter This creates a false impression that the\n\nconsumer has no recourse. 3. INADEQUATE DATA SECURITY Under the CFPB 's authority over data security practices, Bilt failed to : Maintain adequate vendor management procedures\nEnsure vendors have appropriate cybersecurity safeguards Protect customer data shared with vendors Respond appropriately when a vendor breach occurs The Gramm-Leach-Bliley Act ( GLBA ) Safeguards Rule, 16 C.F.R. 314.4 ( d ), requires financial institutions to : \" Oversee service providers, by : ( 1 ) Taking reasonable steps to select and retain service providers that are capable of maintaining appropriate safeguards for customer information ; and ( 2 ) Requiring your service providers by contract to implement and maintain such safeguards. '' Bilt violated these requirements by : Selecting XXXX  ( which suffered an 18-million-person breach ) Failing to monitor XXXX XXXX  security adequately Having \" no visibility '' into critical vendor processes Failing to ensure proper breach notification THE FINANCIAL HARM I SUFFERED Total Damages : {$3300.00} Breakdown : 1. Lost Settlement Opportunity : {$3000.00} The XXXX class action settlement ( XXXX XXXX. XXXX ) allowed claims up to {$3000.00} for documented losses. \nI would have claimed the maximum based on : Credit monitoring costs : XXXX XXXX 2 years = {$700.00} Time spent addressing breach : 20+ hours XXXX XXXXXXXX = XXXX XXXX  Identity theft protection services : XXXX XXXXXXXX Administrative costs for protective measures Lost productivity My documented losses easily exceeded {$3000.00}, making me eligible for the maximum settlement amount.\n\nBut for the notification failure, I would have filed a timely claim and received this compensation.\n\n2. Credit Monitoring Costs : {$350.00} Because I never received the 24 months of free credit monitoring XXXX offered, I must purchase services independently at XXXX XXXXXXXX. \nThis includes : Three-bureau credit monitoring Real-time fraud alerts Identity theft insurance ( XXXX XXXX coverage ) Dark web monitoring Credit score tracking Fraud resolution assistance This is a necessary expense because : My Social Security number was compromised My bank account information was exposed I face a permanent elevated risk of identity theft Industry standard is 1-2 years of monitoring post-breach 3. Ongoing Future Damages Beyond the {$3300.00} I'm claiming now : XXXX XXXXXXXX for continued monitoring ( indefinite ) Hundreds of hours over lifetime monitoring accounts Permanent privacy loss ( SSN can not be changed ) Lifetime elevated identity theft risk Psychological costs and stress I am limiting this complaint to concrete, immediately quantifiable damages ( {$3300.00} ) to facilitate a resolution. \n\nWHAT I'VE DONE TO RESOLVE THIS Timeline of My Attempts : XX/XX/XXXX : Sent a formal email to Bilt requesting {$350.00} reimbursement for credit monitoring. \nXX/XX/XXXX : Bilt customer service ( XXXX ) responds : \" We recommend reaching out to the XXXXXXXX XXXX XXXX XXXXXXXX team directly. '' XX/XX/XXXX : I respond, explaining I am a Bilt customer, not an XXXX  customer, and that Bilt should take responsibility for vendor failures. \nXX/XX/XXXX : Bilt customer service responds, stating that XXXX offered free monitoring and that I should have received a notification. This is the FIRST TIME I learned remediation existed18 months after it was available. \nXX/XX/XXXX : I have not received any notification from XXXX and would appreciate an escalation request. \nXX/XX/XXXX : Bilt Legal sends a formal rejection stating : \" Bilt is not liable for the incident at XXXX. '' \" No legal basis for your request. '' \" Contact XXXX directly. '' \" We consider this matter closed. '' XX/XX/XXXX : I send a comprehensive legal response citing precedent cases and offering a settlement of {$3300.00} by XX/XX/XXXX. \nXX/XX/XXXX ( same day ) : Filing this CFPB complaint because Bilt refuses to take responsibility.\n\nWHY BILT 'S POSITION IS WRONG \" We're Not Liable for Our Vendor '' This argument has been rejected in every major data breach case : XXXX  tried to blame HVAC vendor Held liable, paid XXXX XXXX XXXX XXXX tried to blame XXXX  Held liable, paid XXXX XXXX XXXX XXXX XXXXXXXX regulatory penalties XXXX tried to blame vendors Held liable, paid XXXX XXXX XXXX XXXXXXXX tried to blame vendor credentials Held liable, paid XXXX XXXX XXXXXXXX tried to blame subsidiary vendors Held liable, paid XXXX XXXXXXXX XXXX  tried to blame third-party software Held liable, paid XXXX XXXXXXXX Total : Over {$1.00} XXXX in settlements proving customer-facing companies are liable for vendor breaches. \n\" Contact XXXX  Directly '' This is impractical and unfair because : I have no relationship with XXXX  All remediation deadlines have already expired Bilt provided my contact information to XXXX  If the information was wrong, Bilt is responsible Creates an endless deflection loop between companies \" No Visibility Into Vendor Processes '' This admission proves negligence, not a defense : Under GLBA and industry standards, companies must have visibility into vendor processes that affect customer data. Bilt 's admission that they have \" no visibility '' into whether customers received notifications proves inadequate vendor oversight.","date_sent_to_company":"2025-12-09T21:08:13.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"085XX","tags":null,"has_narrative":true,"complaint_id":"17897112","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Bilt Technologies, Inc.","date_received":"2025-12-09T21:02:52.000Z","state":"NJ","company_public_response":null,"sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["This includes : Three-bureau credit monitoring Real-time fraud <em>alerts</em> <em>Identity</em> theft insurance ( XXXX XXXX coverage ) <em>Dark</em> web monitoring Credit score tracking Fraud resolution assistance This is a necessary expense because : My Social Security number was compromised My bank account information was exposed I face a permanent elevated risk of <em>identity</em> theft Industry standard is 1-2 years of monitoring post-<em>breach</em> 3."]},"sort":[12.151218,"17897112"]},{"_index":"complaint-public-v1","_id":"3805583","_score":11.340031,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Virginia, XXXX Phone : XXXX Email : XXXX Thursday, XX/XX/XXXX Greetings! \n\nI am filing an official complaint against Boeing Employees Federal Credit Union, referred hereunder as BECU, of XXXX XXXX XXXX XXXX WA XXXX for failure to protect my personal information and explicit refusal to abide by their stated policy of supposedly zero-dollar customer liability in case of fraud. \nIf I am not mistaken I had acquired their VISA card in either XXXX, or XXXX, and have been using it regularly since, consistently paying much more than the required minimum. \nI have several other VISA/MASTERCARDs with lower credit lines that I have been using regu-larly and by comparison, less frequently than the BECU VISA. Their VISA has a higher balance and consequently carries a much higher interest. So, consequently, I have set up automatic pay-ments, treating their card as virtually frozen. I have additionally locked it as to prevent its unauthorized use, or at least I thought so. \nRecently, like millions of other Americans I was affected by the COVI-19 pandemic and have tried unsuccessfully to work with BECU in order to avail myself of the federally proclaimed deferral of credit cards and mortgage payments. While other financial institutions have been more responsive, straightforward and forthcoming - Not a problem, Mr., XXXX, we can postpone payments, be assured there will be no late fees, no negative credit reporting, just be aware of the fact that interest will continue to accrue monthly, or something along these lines, BECU practically gave me the runaround. I have submitted a financial disclosure, trying to show them my serious financial situation with a negative monthly balance of about {$1000.00}. Instead of doing the right thing, and following the US government policy on debt relief, their response was callous and insensitive : How much of a monthly payment can you afford? And then, in their ultimate wisdom they said, Well maybe you can call your mortgage company and have them give you a deferral? Translated, this means : Jeopardize your primary residence with secured debt and pay our non-secured credit card debt. Is this really the kind of financial assistance Congress is offering to working class Americans, seriously affected by the COVDI-19? \nOnly then I decided to check my balances and was totally shocked to discover that I was yet again a victim of financial and identity theft fraud. \nThus, in XXXX the Office of Personnel Management of the US government ( the agency holding detailed financial, medical, address and next of kin information, including fingerprints of a vast number of US government cleared individuals, myself included ), announced that some 22 mil-lion detailed records of the kind that I described have been leaked/lost/siphoned off. Next I got scammed not once but 4 times by unknown entities. Initially it started with a series of text messages : Did you attempt to use this card at such and such location in Texas? What about this store, ( some 30 minutes later )? It turned out that unknown individual ( s ) have breached my XXXX  XXXX XXXX credit card, and later compromised its credit card replacements en route to me that I have not yet received and never activated. And this is where an interesting pattern has emerged : these unknown perpetrator ( s ), unbeknownst to me, have altered my address, redirecting all XXXX  XXXX XXXX issued cards to a small Texas town and engaging on a shopping spree. I have provided all applicable documents to the FBI and never heard back from them, even though they had enough evidence to launch an investigation. Should you wish to do so, I will gladly provide you with documentary evidence of the XXXX  XXXX XXXX fraudagainst me. \nThen came the well publicized data breach at XXXX  and XXXX  ( two of the national credit reporting agencies, whose numeric score is used by all lenders nationwide to assess potential creditworthiness, or lack thereof of consumers ), again affecting millions of Americans, myself included. In the past I have also been a victim of fraud by BECU with similar circumstance that I d not quite remember. \nAfter BECU gave me verbally their inconsequential, insensitive and irresponsive denial, I started digging deeper. I discovered that an unknown individual ( s ), or maybe a group, has/ve changed my residential address to : XXXX XXXX  XXXX XXXX, XXXX, VA XXXX ( appearing on the first page of my BECU statement attached hereby - yet another city I have never even heard of. This real residential address can be seen with a simple XXXX search and several real estate search engines. I obviously can not tell if the person ( s ) living at that address have committed this fraud or not, this is for more qualified folks than me. As you well know, there are way too many organized groups of all kinds, cybercriminals and individual hackers of every imaginable stripe around the world who could easily steal such information, so practically anyone and everyone could be a suspect. Additionally, credit card information can be relatively easy obtained on the Dark Web ( cost estimates vary ). \nThen came another shocker - yet another unknown individual ( or probably the same who had bypassed BECUs supposedly robust internal cybersecurity systems and defenses, and had redi-rected my BECU cards to the aforementioned address ) has traveled at my expense, yet totally unbeknownst to me all over XXXX - and has done some extensive shopping inXXXX, XXXX all the way to XXXX and other XXXX countries, visiting gas stations, convenience stores, grocery stores and who knows what - all shown with dates and locations on the printout, attached hereby for your convenience. \nI hereby declare under penalty of perjury, that : a ) the aforementioned card has always been under my control, locked in a secure bank vault, b ) that I have never under any circumstances disclosed its combination of digits, expiration date, security code and other security measures to any third party, and that, c ) I have never received any compensation, financial or otherwise from the person ( s ) responsible for this fraud. \nAs if being scammed with about {$27000.00} was not enough, that as I have said, have no idea how it went out of my account, BECU has yet again demonstrated their indifference - Too bad, it has been more than sixty day, so we can not do anything! Well, where was your vaunted security to alert me of the unauthorized change of address, as it appears? Where were you when the unknown entity was traveling around XXXX .and shopping around at my expense? \nSo, I am requesting a thorough investigation of this serious fraud, closing this card once and for all, eliminating all late and other junk fees, and notifying the Credit Reporting Agencies ( including XXXX  and XXXX  which has also been instrumental in leaking my supposedly sensitive financial information ). They have credit insurance which, have they bothered to do the investigation, would have reimbursed them for any losses, but for me this debt is simply beyond my means, especially given the scope and range. I am also due to retire in a few months, so again, payment of this debt is just plain impossible.","date_sent_to_company":"2020-08-21T12:03:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"22191","tags":"Older American","has_narrative":true,"complaint_id":"3805583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BOEING EMPLOYEES' CREDIT UNION","date_received":"2020-08-20T17:07:44.000Z","state":"VA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Then came the well publicized <em>data</em> <em>breach</em> at XXXX  and XXXX  ( two of the national credit reporting agencies, whose numeric score is used by all lenders nationwide to assess potential creditworthiness, or lack thereof of consumers ), again affecting <em>millions</em> of Americans, myself included. In the past I have also been a victim of fraud by BECU with similar circumstance that I d not quite remember."]},"sort":[11.340031,"3805583"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":10,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":10}]}},"product":{"doc_count":10,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":6}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}}]}},"issue":{"doc_count":10,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":6}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Privacy issues","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card was charged for something you did not purchase with the card","doc_count":1}]}},{"key":"Unable to get your credit report or credit score","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem getting your free annual credit report","doc_count":1}]}}]}},"timely":{"doc_count":10,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":9},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":10,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":9},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":10,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":10}]}},"company":{"doc_count":10,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":2},{"key":"BOEING EMPLOYEES' CREDIT UNION","doc_count":1},{"key":"Bilt Technologies, Inc.","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"CL Holdings LLC","doc_count":1},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":1},{"key":"OneMain Finance Corporation","doc_count":1},{"key":"Resurgent Capital Services L.P.","doc_count":1},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":1}]}},"state":{"doc_count":10,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"MD","doc_count":6},{"key":"CA","doc_count":1},{"key":"FL","doc_count":1},{"key":"NJ","doc_count":1},{"key":"VA","doc_count":1}]}},"company_public_response":{"doc_count":10,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":10,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}