{"took":159,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":197,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16057933","_score":19.797462,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed Account Number ending in XXXX and Account Number XXXX XXXXXXXX account multiple times, asserting that it is inaccurate, unverifiable, and not validated under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my disputes, TransUnion continues to report this collection without providing evidence of a proper investigation, in direct violation of FCRA 611 ( a ) .Additionally, TransUnion has publicly acknowledged major data breaches affecting consumer credit files. Due to these breaches, I believe my data may have been compromised, making it impossible to guarantee the accuracy of the information being reported. Continuing to report an unverified and disputed account after a data breach constitutes negligence and ongoing consumer harm.","date_sent_to_company":"2025-09-19T15:20:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"16057933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-19T15:05:57.000Z","state":"MS","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":["Despite my disputes, TransUnion continues to <em>report</em> this collection without providing evidence of a proper investigation, in direct violation of FCRA 611 ( a ) .Additionally, TransUnion has <em>publicly</em> acknowledged major <em>data</em> <em>breaches</em> <em>affecting</em> consumer credit files. Due to these <em>breaches</em>, I believe my <em>data</em> may have been compromised, making it impossible to guarantee the accuracy of the information being <em>reported</em>."],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.797462,"16057933"]},{"_index":"complaint-public-v1","_id":"14343604","_score":19.146296,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. \n\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-06-27T06:05:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14343604","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-06-27T06:04:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.146296,"14343604"]},{"_index":"complaint-public-v1","_id":"14343437","_score":19.146296,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. \n\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-06-27T07:21:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14343437","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-06-27T07:21:06.000Z","state":"CA","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":["I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.146296,"14343437"]},{"_index":"complaint-public-v1","_id":"14342097","_score":19.146296,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. \n\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-06-27T07:40:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14342097","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Possible Financial Inc","date_received":"2025-06-27T07:39:57.000Z","state":"CA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.146296,"14342097"]},{"_index":"complaint-public-v1","_id":"14342096","_score":19.146296,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. \n\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-06-27T07:40:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14342096","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Bliksum, LLC","date_received":"2025-06-27T07:39:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.146296,"14342096"]},{"_index":"complaint-public-v1","_id":"14341366","_score":19.146296,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. \n\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-06-27T07:47:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14341366","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Scratch Financial, Inc.","date_received":"2025-06-27T07:40:10.000Z","state":"CA","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.146296,"14341366"]},{"_index":"complaint-public-v1","_id":"14343527","_score":19.131126,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. \n\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-06-27T07:40:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14343527","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-06-27T07:22:26.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.131126,"14343527"]},{"_index":"complaint-public-v1","_id":"14343438","_score":19.131126,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft.\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws.\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-08-06T21:23:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14343438","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2025-06-27T07:21:06.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft.\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.131126,"14343438"]},{"_index":"complaint-public-v1","_id":"14343192","_score":19.131126,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. \n\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-06-27T07:47:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14343192","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kovo","date_received":"2025-06-27T07:46:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.131126,"14343192"]},{"_index":"complaint-public-v1","_id":"14343170","_score":19.131126,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. \n\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-06-27T07:55:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14343170","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-06-27T07:46:23.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.131126,"14343170"]},{"_index":"complaint-public-v1","_id":"14326481","_score":19.131126,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. \n\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-07-09T18:35:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14326481","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2025-06-27T06:56:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.131126,"14326481"]},{"_index":"complaint-public-v1","_id":"14326291","_score":19.131126,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft.\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws.\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-06-27T06:36:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14326291","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-06-27T06:35:43.000Z","state":"CA","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":["I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft.\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.131126,"14326291"]},{"_index":"complaint-public-v1","_id":"14343605","_score":19.12048,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. \n\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-06-27T06:05:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14343605","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-27T06:04:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.12048,"14343605"]},{"_index":"complaint-public-v1","_id":"14320071","_score":19.12048,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. \n\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-06-27T06:05:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14320071","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-06-27T05:34:54.000Z","state":"CA","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":["I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.12048,"14320071"]},{"_index":"complaint-public-v1","_id":"14326340","_score":19.11811,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. \n\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-06-27T07:47:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14326340","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Transform Credit Inc.","date_received":"2025-06-27T07:46:08.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.11811,"14326340"]},{"_index":"complaint-public-v1","_id":"2660503","_score":18.601719,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"With the recent data breach affecting Equifax, I am concerned with the security of my credit/personal information at their bureau. In effect, the security at other bureaus concerns me as well.\nIt worries me that 1 ) the hacks were known nearly a month in advance of the reports breaking about a breach and 2 ) recent reports have shown 3 managers sold stock in the company before the hacks even happened, leading to a suspicious narrative around inside gaming and trading.\nThe result of this breach, if the reports are to be believed at their worst conclusion ( personal data is now public ), I can never truly feel protected from identity theft, or worse, even by our most trusted institutions, and must have permanent restrictions ( such as credit freezes ) on all my accounts to protect my identity and financial security.\nAs a concerned citizen, thank you for looking into this.\nSincerely, XXXX","date_sent_to_company":"2017-09-09T05:48:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94607","tags":null,"has_narrative":true,"complaint_id":"2660503","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T05:38:35.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["With the recent <em>data</em> <em>breach</em> <em>affecting</em> Equifax, I am concerned with the security of my credit/personal information at their bureau. In effect, the security at other bureaus concerns me as well.\nIt worries me that 1 ) the hacks were known nearly a month in advance of the <em>reports</em> breaking about a <em>breach</em> and 2 ) recent <em>reports</em> have shown 3 managers sold stock in the company before the hacks even happened, leading to a suspicious narrative around inside gaming and trading."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[18.601719,"2660503"]},{"_index":"complaint-public-v1","_id":"14344095","_score":18.530806,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX ( 27 minutes ago ) to XXXX I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft.\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws.\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-06-27T06:25:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14344095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-06-27T06:25:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX ( 27 minutes ago ) to XXXX I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft.\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[18.530806,"14344095"]},{"_index":"complaint-public-v1","_id":"14343256","_score":18.519375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to XXXX I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. \n\n\nThis breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.","date_sent_to_company":"2025-06-27T06:25:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95215","tags":null,"has_narrative":true,"complaint_id":"14343256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Avant Holding Company, Inc.","date_received":"2025-06-27T06:07:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to XXXX I discovered that my personal and financial information was included in a national <em>public</em> <em>data</em> <em>breach</em> <em>affecting</em> millions of consumers. This <em>breach</em> has resulted in unauthorized access and exposure of my <em>data</em> without my consent, leading to suspicious activity and high concern for potential identity theft. \n\n\nI contacted the companies involved and formally disputed any inaccurate or unverifiable <em>data</em> on my credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[18.519375,"14343256"]},{"_index":"complaint-public-v1","_id":"2672445","_score":18.21099,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax had a massive data breach affecting 140M+ Americans on XXXX XXXX. Not only did they take over a month to alert the public, but executives were in the news for having sold their stock the day before the announcement. They demonstrated a reckless disregard for information security and their customers* ( *Nobody has any choice about what data they gather or store, as it is basically impossible to function in modern society without credit ). \n\nIt has also been reported that there 1 free year of credit protection they are offering to Americans who may have been affected includes a clause that waives your right to join a class action lawsuit. Americans should not have to pay to freeze their credit, especially given the potentially catastrophic impact this breach could have on an individual 's finances. Also, credit reporting firms ( XXXX and XXXX included ) should not be exploiting this breach to market their credit protection services. \n\nXXXX XXXX XXXX","date_sent_to_company":"2017-09-13T20:11:43.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"98107","tags":null,"has_narrative":true,"complaint_id":"2672445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-13T19:48:35.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Equifax had a massive <em>data</em> <em>breach</em> <em>affecting</em> 140M+ Americans on XXXX XXXX. Not only did they take over a month to alert the <em>public</em>, but executives were in the news for having sold their stock the day before the announcement. They demonstrated a reckless disregard for information security and their customers* ( *Nobody has any choice about what <em>data</em> they gather or store, as it is basically impossible to function in modern society without credit )."]},"sort":[18.21099,"2672445"]},{"_index":"complaint-public-v1","_id":"13578037","_score":17.82153,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representative, I am writing to formally dispute and challenge the response submitted by Nelnet to my prior complaint regarding the unlawful exposure of my personally identifiable information ( PII ) through their publicly acknowledged data breach. Despite their claims of compliance, Nelnet 's failure to implement reasonable data safeguards has led to the compromise of my sensitive data and poses an ongoing threat to my financial safety and privacy. \n\nContrary to Nelnets assertion that it has not engaged in any activities that would expose data through unauthorized or unlawful means, it is publicly documented that Nelnet was responsible for a significant cybersecurity breach affecting over XXXX XXXX borrowers, including myself. This event has been widely covered and acknowledged, and Nelnet remains liable under federal law for the resulting exposure and mishandling of borrower information.\n\nLegal Violations : Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Nelnet failed to maintain adequate security protocols required to protect consumer financial information. \nPrivacy Act of 1974 ( 5 U.S.C. 552a ) : As a federal contractor, Nelnet is obligated to maintain secure systems to safeguard personal data and can be held liable for failure to do so.\n\nFair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : Continued reporting of disputed and potentially fraudulent debt that stems from compromised accounts violates my right to an accurate credit profile. \nFederal Information Security Modernization Act ( FISMA ) : Nelnets failure to uphold cybersecurity compliance under its contract with the Department of Education directly violates FISMA.\n\nState Breach Notification Laws : Nelnet failed to provide adequate notification and consumer support under state data breach statutes.","date_sent_to_company":"2025-05-18T23:50:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"13578037","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-05-18T23:33:21.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["State <em>Breach</em> Notification Laws : Nelnet failed to provide adequate notification and consumer support under state <em>data</em> <em>breach</em> statutes."]},"sort":[17.82153,"13578037"]},{"_index":"complaint-public-v1","_id":"13577815","_score":17.813229,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representative, I am writing to formally dispute and challenge the response submitted by XXXX to my prior complaint regarding the unlawful exposure of my personally identifiable information ( PII ) through their publicly acknowledged data breach. Despite their claims of compliance, XXXXXXXX XXXX failure to implement reasonable data safeguards has led to the compromise of my sensitive data and poses an ongoing threat to my financial safety and privacy. \n\nContrary to XXXX assertion that it has not engaged in any activities that would expose data through unauthorized or unlawful means, it is publicly documented that XXXX was responsible for a significant cybersecurity breach affecting over XXXX XXXX borrowers, including myself. This event has been widely covered and acknowledged, and XXXX remains liable under federal law for the resulting exposure and mishandling of borrower information. \n\nLegal Violations : Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) XXXX XXXXXXXX failed to maintain adequate security protocols required to protect consumer financial information. \nPrivacy Act of 1974 ( 5 U.S.C. 552a ) : As a federal contractor, XXXX is obligated to maintain secure systems to safeguard personal data and can be held liable for failure to do so. \nFair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : Continued reporting of disputed and potentially fraudulent debt that stems from compromised accounts violates my right to an accurate credit profile. \nFederal Information Security Modernization Act ( FISMA ) : XXXX failure to uphold cybersecurity compliance under its contract with the Department of Education directly violates FISMA. \nState Breach Notification Laws : XXXX failed to provide adequate notification and consumer support under state data breach statutes.","date_sent_to_company":"2025-05-18T23:50:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"13577815","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-18T23:50:04.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["State <em>Breach</em> Notification Laws : XXXX failed to provide adequate notification and consumer support under state <em>data</em> <em>breach</em> statutes."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[17.813229,"13577815"]},{"_index":"complaint-public-v1","_id":"12919720","_score":17.682562,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to demand the immediate deletion of several fraudulent accounts listed on my credit report, which remain despite prior disputes. These accountsresulting from identity theftdo not belong to me and were opened without my knowledge or consent. I am a victim of identity theft, likely exacerbated by widely reported public data breaches that have compromised personal information, such as those affecting millions of consumers in recent years. Some of these accounts have already been removed by XXXX or XXXX other credit bureaus, yet they persist on your records, causing ongoing harm to my credit profile.","date_sent_to_company":"2025-04-10T20:56:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"12919720","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-10T20:39:02.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to demand the immediate deletion of several fraudulent accounts listed on my credit <em>report</em>, which remain despite prior disputes. These accountsresulting from identity theftdo not belong to me and were opened without my knowledge or consent. I am a victim of identity theft, likely exacerbated by widely <em>reported</em> <em>public</em> <em>data</em> <em>breaches</em> that have compromised personal information, such as those <em>affecting</em> millions of consumers in recent years."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.682562,"12919720"]},{"_index":"complaint-public-v1","_id":"12919714","_score":17.668676,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to demand the immediate deletion of several fraudulent accounts listed on my credit report, which remain despite prior disputes. These accountsresulting from identity theftdo not belong to me and were opened without my knowledge or consent. I am a victim of identity theft, likely exacerbated by widely reported public data breaches that have compromised personal information, such as those affecting millions of consumers in recent years. Some of these accounts have already been removed by XXXX or XXXX other credit bureaus, yet they persist on your records, causing ongoing harm to my credit profile.","date_sent_to_company":"2025-04-10T20:56:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"12919714","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-10T20:56:17.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to demand the immediate deletion of several fraudulent accounts listed on my credit <em>report</em>, which remain despite prior disputes. These accountsresulting from identity theftdo not belong to me and were opened without my knowledge or consent. I am a victim of identity theft, likely exacerbated by widely <em>reported</em> <em>public</em> <em>data</em> <em>breaches</em> that have compromised personal information, such as those <em>affecting</em> millions of consumers in recent years."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.668676,"12919714"]},{"_index":"complaint-public-v1","_id":"12919624","_score":17.668676,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to demand the immediate deletion of several fraudulent accounts listed on my credit report, which remain despite prior disputes. These accountsresulting from identity theftdo not belong to me and were opened without my knowledge or consent. I am a victim of identity theft, likely exacerbated by widely reported public data breaches that have compromised personal information, such as those affecting millions of consumers in recent years. Some of these accounts have already been removed by XXXX or XXXX other credit bureaus, yet they persist on your records, causing ongoing harm to my credit profile.","date_sent_to_company":"2025-04-10T20:56:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"12919624","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-10T20:56:17.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to demand the immediate deletion of several fraudulent accounts listed on my credit <em>report</em>, which remain despite prior disputes. These accountsresulting from identity theftdo not belong to me and were opened without my knowledge or consent. I am a victim of identity theft, likely exacerbated by widely <em>reported</em> <em>public</em> <em>data</em> <em>breaches</em> that have compromised personal information, such as those <em>affecting</em> millions of consumers in recent years."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.668676,"12919624"]},{"_index":"complaint-public-v1","_id":"11451993","_score":17.655054,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) .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. \nNational Public Data 2.7 Billion Records The biggest breach of the year XXXX involved a hacking group claiming to have stolen 2.7 billion personal records, affecting nearly every United States, XXXX, and the XXXX XXXX XXXXesident. The stolen data includes U.S. Social Security numbers, with some information already leaked on the dark web. While experts are still analyzing the scope of the breach ( since there are far fewer than 2.7 billion individuals in these three countries ), its likely that most, if not all, Social Security numbers have been compromised. \nXXXX XXXX XXXX XXXX Million Records Hackers breached XXXX XXXX XXXX XXXX, compromising the data of 73 million current and former customers. This breach included sensitive information such as Social Security numbers, account details, and passcodes. Most alarmingly, much of the exposed data dated back to XXXX or earlier and was discovered on the dark web in XX/XX/XXXX. This marks the second significant attack on XXXX XXXX XXXX in recent years, following a XXXX breach affecting nine million customers.","date_sent_to_company":"2025-01-09T20:33:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92346","tags":null,"has_narrative":true,"complaint_id":"11451993","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-09T20:33:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["National <em>Public</em> <em>Data</em> 2.7 Billion Records The biggest <em>breach</em> of the year XXXX involved a hacking group claiming to have stolen 2.7 billion personal records, <em>affecting</em> nearly every United States, XXXX, and the XXXX XXXX XXXXesident. The stolen <em>data</em> includes U.S. Social Security numbers, with some information already leaked on the dark web."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[17.655054,"11451993"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":197,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":197}]}},"product":{"doc_count":197,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":160,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":158},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":16}]}},{"key":"Debt collection","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other debt","doc_count":6},{"key":"I do not know","doc_count":2},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Student loan","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":4}]}},{"key":"Mortgage","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1},{"key":"FHA mortgage","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Vehicle loan or 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