{"took":114,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":691,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12455696","_score":24.687,"_source":{"product":"Student loan","complaint_what_happened":"I am writing to formally file a complaint regarding the exposure of my personal information due to XXXX recent data breachesone involving Nelnet, my federal student loan servicer, and another involving XXXX. These breaches have compromised my sensitive data and caused significant concern about my financial safety and privacy. \n\nIn 2022, Nelnet disclosed a data breach that exposed the personal information of millions of borrowers, including my own. This breach included sensitive details such as my Social Security number, contact information, and account data. More recently, my personal information was once again compromised in the XXXX data breach. \n\nThese repeated security failures by Nelnet and XXXX have put me at ongoing risk of identity theft and financial harm. Despite taking every reasonable step to protect myself, I now find myself exposed through no fault of my own. The burden of these failures should not fall on me or other borrowers who trusted these organizations to safeguard our information. \n\nAs a result of this negligence, I am formally requesting that my federal student loans be forgiven. It is unjust for me to continue carrying the burden of these loans when my personal and financial security has been so severely impacted by breaches within the very systems meant to manage and protect my data. \n\nI respectfully ask the CFPB to investigate these breaches and take action to ensure that affected borrowers, like myself, are provided meaningful remediesspecifically, loan forgiveness. \n\nThank you for your time and consideration. I look forward to your response.","date_sent_to_company":"2025-03-13T17:55:08.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"45236","tags":null,"has_narrative":true,"complaint_id":"12455696","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-03-13T17:50:00.000Z","state":"OH","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["This <em>breach</em> included sensitive details such as my Social <em>Security</em> number, contact information, and account <em>data</em>. More recently, my personal information was once again compromised in the XXXX <em>data</em> <em>breach</em>. \n\nThese repeated <em>security</em> <em>failures</em> by Nelnet and XXXX have put me at ongoing risk of identity theft and financial harm. Despite taking every reasonable step to protect myself, I now find myself exposed through no fault of my own."]},"sort":[24.687,"12455696"]},{"_index":"complaint-public-v1","_id":"15310157","_score":23.84874,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute and raise concerns regarding the XXXX  data breach involving XXXX, in which the sensitive personal and financial data of approximately XXXX XXXX Americans, including mine, was compromised. \nAs a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to XXXX  's failure to adequately safeguard consumer data.","date_sent_to_company":"2025-08-15T17:23:56.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"710XX","tags":null,"has_narrative":true,"complaint_id":"15310157","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-15T17:20:19.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["As a result of this <em>breach</em>, I believe that my personal informationincluding but not limited to my name, Social <em>Security</em> number, date of birth, and potentially credit card or financial datawas exposed without my consent due to XXXX  's <em>failure</em> to adequately safeguard consumer <em>data</em>."]},"sort":[23.84874,"15310157"]},{"_index":"complaint-public-v1","_id":"15310713","_score":23.818098,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute and raise concerns regarding the XXXX  data breach involving XXXX, in which the sensitive personal and financial data of approximately XXXX XXXX Americans, including mine, was compromised. \nAs a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to XXXX  's failure to adequately safeguard consumer data.","date_sent_to_company":"2025-08-15T17:19:45.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"710XX","tags":null,"has_narrative":true,"complaint_id":"15310713","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-15T17:08:21.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["As a result of this <em>breach</em>, I believe that my personal informationincluding but not limited to my name, Social <em>Security</em> number, date of birth, and potentially credit card or financial datawas exposed without my consent due to XXXX  's <em>failure</em> to adequately safeguard consumer <em>data</em>."]},"sort":[23.818098,"15310713"]},{"_index":"complaint-public-v1","_id":"11612795","_score":22.987965,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to file a formal complaint regarding a recent data breach involving Cash App, a financial services platform operated by Block , Inc. ( formerly Square ). I am concerned about the unauthorized exposure of sensitive financial data, which I believe violates various consumer protection laws. I recently became aware of a data breach involving Cash App, where sensitive user data, including account details, transaction history, and potentially other personal information, was exposed. This breach raises serious concerns about Cash App 's ability to protect users ' private financial information. Under the FTC Act, it is prohibited for companies to engage in unfair or deceptive practices that harm consumers. The failure to protect user data, leading to a breach, may be considered an unfair practice that could have harmed consumers financially and emotionally. his federal law requires financial institutions, including companies like Cash App that offer financial services, to safeguard consumers nonpublic personal information. Under the GLBA, Cash App is obligated to implement adequate security measures to protect the privacy of its users. The breach of user data may suggest that Cash App failed to meet these requirements. Thank you for your attention to this important matter. I trust that the CFPB will take the necessary steps to protect consumers and hold Cash App accountable for its failure to adequately protect personal and financial data.","date_sent_to_company":"2025-01-20T22:00:24.000Z","issue":"Other service problem","sub_product":"Domestic (US) money transfer","zip_code":"257XX","tags":null,"has_narrative":true,"complaint_id":"11612795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-20T21:48:03.000Z","state":"WV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am writing to file a formal complaint regarding a recent <em>data</em> <em>breach</em> <em>involving</em> Cash App, a financial services platform operated by Block , Inc. ( formerly Square ). I am concerned about the unauthorized exposure of sensitive financial <em>data</em>, which I believe violates various consumer protection laws. I recently became aware of a <em>data</em> <em>breach</em> <em>involving</em> Cash App, where sensitive user <em>data</em>, including account details, transaction history, and potentially other personal information, was exposed."]},"sort":[22.987965,"11612795"]},{"_index":"complaint-public-v1","_id":"17646721","_score":22.772907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this personal statement to document my concerns regarding the security of my personal information and the handling of my data by XXXX  and XXXX  following their recent data breaches. As a consumer whose sensitive information is entrusted to these credit reporting agencies, I am deeply concerned about the exposure of my personal, financial, and identifying data without my consent. \n\nThe credit bureaus collect, maintain, and distribute my personal information, and I reasonably expect them to safeguard it in accordance with federal privacy and consumer protection laws. The breaches involving XXXX  and XXXX  represent a failure to protect my data, and this has created a significant risk of identity theft, unauthorized inquiries, and other fraudulent activity that may impact my credit profile. \n\nAs a result of these security failures, I am experiencing ongoing concern regarding : The unauthorized access and potential misuse of my personal information The accuracy and integrity of the data reported on my credit file The lack of sufficient notification, transparency, and corrective action taken by the credit bureaus The long-term risk associated with compromised Social Security, financial, and identifying information I am requesting that the CFPB review this matter and ensure XXXX  and XXXX  comply with all federal responsibilities, including safeguarding consumer data, providing accurate reporting, and taking appropriate measures to remediate the harm caused by their data breaches.","date_sent_to_company":"2025-12-03T01:05:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29115","tags":null,"has_narrative":true,"complaint_id":"17646721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-03T00:58:48.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["The <em>breaches</em> <em>involving</em> XXXX  and XXXX  represent a <em>failure</em> to protect my <em>data</em>, and this has created a significant risk of identity theft, unauthorized inquiries, and other fraudulent activity that may impact my credit profile."]},"sort":[22.772907,"17646721"]},{"_index":"complaint-public-v1","_id":"18051248","_score":22.756039,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am submitting this complaint regarding a privacy and data-handling failure involving my personal loan serviced by Achieve XXXX  XXXX XXXX XXXX, with involvement by Freedom Financial Network XXXX XXXX, and XXXX XXXX Bank as the originating and/or supervising financial institution. \n\nIn XXXX, I received sensitive financial documents from Achieve XXXX that were mailed in an unsealed envelope, exposing my nonpublic personal information to unauthorized access. This constitutes a failure to safeguard consumer data and a violation of federal privacy obligations. \n\nAs a direct result of this incident, I was forced to close my bank account to protect my financial security. This caused disruption including delays in payroll deposits, updating multiple vendors and automatic payments, and administrative burden related to restoring financial stability. \n\nI notified the involved parties in writing and requested a formal response addressing the privacy breach. Despite receiving notice, the companies failed to provide a substantive written response addressing the breach or corrective measures taken.","date_sent_to_company":"2025-12-15T20:16:43.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"75010","tags":null,"has_narrative":true,"complaint_id":"18051248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FREEDOM FINANCIAL NETWORK","date_received":"2025-12-15T19:21:22.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This constitutes a <em>failure</em> to safeguard consumer <em>data</em> and a violation of federal privacy obligations. \n\nAs a direct result of this incident, I was forced to close my bank account to protect my financial <em>security</em>. This caused disruption including delays in payroll deposits, updating multiple vendors and automatic payments, and administrative burden related to restoring financial stability. \n\nI notified the involved parties in writing and requested a formal response addressing the privacy <em>breach</em>."]},"sort":[22.756039,"18051248"]},{"_index":"complaint-public-v1","_id":"11667862","_score":22.726082,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to formally lodge a complaint regarding the recent data breach involving Cash App, which has resulted in the unauthorized exposure of sensitive personal information, including but not limited to names, addresses, phone numbers, and financial data. I am one of the affected users, and I am deeply concerned about the potential risks to my privacy and financial security that this breach has created. According to the information I have received, this breach exposed data that should have been safeguarded by your company. As a long-standing user of Cash App, I trusted that my personal and financial data would be handled with the highest standards of security and care. However, the breach of such sensitive information has caused me significant distress, as I am now vulnerable to identity theft, fraud, and other forms of financial exploitation. I am particularly concerned that Cash App did not provide timely and transparent notification regarding the breach, and that, despite this serious lapse in security, there has been inadequate support provided to affected customers. The failure to protect users personal data and the delayed response to this incident may have caused irreparable harm to many individuals, myself included.","date_sent_to_company":"2025-01-17T17:28:57.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"32211","tags":null,"has_narrative":true,"complaint_id":"11667862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-17T17:07:04.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am writing to formally lodge a complaint regarding the recent <em>data</em> <em>breach</em> <em>involving</em> Cash App, which has resulted in the unauthorized exposure of sensitive personal information, including but not limited to names, addresses, phone numbers, and financial <em>data</em>. I am one of the affected users, and I am deeply concerned about the potential risks to my privacy and financial <em>security</em> that this <em>breach</em> has created."]},"sort":[22.726082,"11667862"]},{"_index":"complaint-public-v1","_id":"15311892","_score":21.71839,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute and raise concerns regarding the XXXX  data breach involving XXXX, in which the sensitive personal and financial data of approximately 147 million Americans, including mine, was compromised. \nAs a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to XXXX XXXX  failure to adequately safeguard consumer data. \n\n\n\nI am writing to formally dispute certain information on my credit report that I believe is the result of the recent XXXX XXXX XXXX data breach and constitutes identity theft. I have never authorized or initiated the accounts, inquiries, or activities in question, and I request immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) 605B and 611.\n\nI was notified that my personal informationincluding potentially my Social Security number, date of birth, and other sensitive identifierswas compromised in the XXXXXXXX XXXX XXXX breach. Since then, I have reason to believe that fraudulent activity has occurred on my credit file.","date_sent_to_company":"2025-08-15T16:21:04.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"710XX","tags":null,"has_narrative":true,"complaint_id":"15311892","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNRISE CREDIT SERVICES, INC","date_received":"2025-08-15T16:20:34.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am writing to formally dispute and raise concerns regarding the XXXX  <em>data</em> <em>breach</em> <em>involving</em> XXXX, in which the sensitive personal and financial <em>data</em> of approximately 147 million Americans, including mine, was compromised."]},"sort":[21.71839,"15311892"]},{"_index":"complaint-public-v1","_id":"12473583","_score":21.453085,"_source":{"product":"Student loan","complaint_what_happened":"I am filing this complaint because my student loan information has been compromised due to a data breach involving the XXXX  and XXXX  and their loan servicing systems. \n\nI recently became aware of this breach on, and I am extremely concerned that my personal and financial data ( including SSN, loan details, and contact information ) have been exposed. As a result of this breach, I have experienced uncertainty and a lack of communication. \n\nThis breach represents a massive failure of data security on the part of the XXXX  and its contractors, putting borrowers like myself at risk of fraud, financial harm, and future misuse of our personal data. Given that my sensitive information has been compromised without my consent or fault, I believe I should not be forced to continue carrying this debt. \n\nI am formally requesting that my loans be discharged due to this security failure, as it has created an ongoing financial and privacy risk that I had no ability to prevent. Additionally, I request that : The CFPB investigate this breach and hold XXXX  and its contractors accountable for exposing borrowers information. \n\nXXXX  and my servicer provide full transparency on what specific data was compromised and what protections they are offering. \n\nBorrowers affected by this breach be granted full student loan discharge or alternative remedies, as we should not bear the financial burden of a system that has failed to protect us. \n\nAny fraudulent activity resulting from this breach does not impact my credit or loan repayment status. \n\nThis breach has placed me and many others at serious risk, and I believe a fair resolution is for affected borrowers to have their loans forgiven due to this negligence. I appreciate the CFPBs attention to this matter and look forward to a resolution.","date_sent_to_company":"2025-03-13T21:12:07.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"20002","tags":null,"has_narrative":true,"complaint_id":"12473583","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-03-13T20:45:27.000Z","state":"DC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["This <em>breach</em> represents a massive <em>failure</em> of <em>data</em> <em>security</em> on the part of the XXXX  and its contractors, putting borrowers like myself at risk of fraud, financial harm, and future misuse of our personal <em>data</em>. Given that my sensitive information has been compromised without my consent or fault, I believe I should not be forced to continue carrying this debt."]},"sort":[21.453085,"12473583"]},{"_index":"complaint-public-v1","_id":"15313927","_score":21.438658,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute certain information on my credit report that I believe is the result of the recent XXXX XXXX XXXX XXXX breach and constitutes identity theft. I have never authorized or initiated the accounts, inquiries, or activities in question, and I request immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) 605B and 611.\n\nI was notified that my personal informationincluding potentially my Social Security number, date of birth, and other sensitive identifierswas compromised in the XXXX XXXX XXXX breach. Since then, I have reason to believe that fraudulent activity has occurred on my credit file. \n\n\nI am writing to formally dispute and raise concerns regarding the 2017 data breach involving XXXX, in which the sensitive personal and financial data of approximately XXXX XXXX XXXX, including mine, was compromised. \nAs a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to XXXXXXXX XXXX failure to adequately safeguard consumer data.","date_sent_to_company":"2025-08-15T16:15:06.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"710XX","tags":null,"has_narrative":true,"complaint_id":"15313927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-15T16:05:10.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["As a result of this <em>breach</em>, I believe that my personal informationincluding but not limited to my name, Social <em>Security</em> number, date of birth, and potentially credit card or financial datawas exposed without my consent due to XXXXXXXX XXXX <em>failure</em> to adequately safeguard consumer <em>data</em>."]},"sort":[21.438658,"15313927"]},{"_index":"complaint-public-v1","_id":"14864386","_score":21.425613,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally notify you that I have become aware of a potential or actual data breach involving my personal information that may have originated from your company or systems. I have reason to believe that my [ full name, Social Security number, credit card number, medical records, etc. ] has been exposed, misused, or accessed without authorization.\n\nUnder applicable federal and state data protection and breach notification laws, you have a legal duty to protect consumer data and promptly inform affected individuals of any breach of security. If my information was compromised due to your negligence or failure to follow proper data security protocols, I expect : 1. A full explanation of the scope of the breach, including what data was affected and when the breach occurred.\n\n2. Written confirmation of the steps being taken to mitigate harm and prevent future incidents.\n\n3. Compensation for any harm suffered as a result of this breach, including credit monitoring or identity theft protection for a minimum of 12 months.\n\n4. Written assurance that my data has been removed or secured in accordance with relevant laws. \n\n\n\nIf you do not respond within 10 calendar days, I will file complaints with the XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX  state attorney generals office XXXX XXXX and other relevant regulatory authorities. I may also consider legal action for any financial, reputational, or emotional damage resulting from this exposure. \n\n\n\nPlease treat this matter with urgency and respond in writing by [ 10 Calendar days ].","date_sent_to_company":"2025-07-24T13:44:37.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30324","tags":null,"has_narrative":true,"complaint_id":"14864386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-24T13:44:01.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Under applicable federal and state <em>data</em> protection and <em>breach</em> notification laws, you have a legal duty to protect consumer <em>data</em> and promptly inform affected individuals of any <em>breach</em> of <em>security</em>. If my information was compromised due to your negligence or <em>failure</em> to follow proper <em>data</em> <em>security</em> protocols, I expect : 1. A full explanation of the scope of the <em>breach</em>, including what <em>data</em> was affected and when the <em>breach</em> occurred.\n\n2."]},"sort":[21.425613,"14864386"]},{"_index":"complaint-public-v1","_id":"14864385","_score":21.425613,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally notify you that I have become aware of a potential or actual data breach involving my personal information that may have originated from your company or systems. I have reason to believe that my [ full name, Social Security number, credit card number, medical records, etc. ] has been exposed, misused, or accessed without authorization.\n\nUnder applicable federal and state data protection and breach notification laws, you have a legal duty to protect consumer data and promptly inform affected individuals of any breach of security. If my information was compromised due to your negligence or failure to follow proper data security protocols, I expect : 1. A full explanation of the scope of the breach, including what data was affected and when the breach occurred.\n\n2. Written confirmation of the steps being taken to mitigate harm and prevent future incidents.\n\n3. Compensation for any harm suffered as a result of this breach, including credit monitoring or identity theft protection for a minimum of 12 months.\n\n4. Written assurance that my data has been removed or secured in accordance with relevant laws. \n\n\n\nIf you do not respond within 10 calendar days, I will file complaints with the XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX state attorney generals office XXXX XXXX and other relevant regulatory authorities. I may also consider legal action for any financial, reputational, or emotional damage resulting from this exposure.\n\nPlease treat this matter with urgency and respond in writing by [ 10 Calendar days ].","date_sent_to_company":"2025-07-24T13:44:41.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30324","tags":null,"has_narrative":true,"complaint_id":"14864385","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-24T13:44:01.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Under applicable federal and state <em>data</em> protection and <em>breach</em> notification laws, you have a legal duty to protect consumer <em>data</em> and promptly inform affected individuals of any <em>breach</em> of <em>security</em>. If my information was compromised due to your negligence or <em>failure</em> to follow proper <em>data</em> <em>security</em> protocols, I expect : 1. A full explanation of the scope of the <em>breach</em>, including what <em>data</em> was affected and when the <em>breach</em> occurred.\n\n2."]},"sort":[21.425613,"14864385"]},{"_index":"complaint-public-v1","_id":"14864387","_score":21.394907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally notify you that I have become aware of a potential or actual data breach involving my personal information that may have originated from your company or systems. I have reason to believe that my [ full name, Social Security number, credit card number, medical records, etc. ] has been exposed, misused, or accessed without authorization.\n\nUnder applicable federal and state data protection and breach notification laws, you have a legal duty to protect consumer data and promptly inform affected individuals of any breach of security. If my information was compromised due to your negligence or failure to follow proper data security protocols, I expect : 1. A full explanation of the scope of the breach, including what data was affected and when the breach occurred.\n\n2. Written confirmation of the steps being taken to mitigate harm and prevent future incidents.\n\n3. Compensation for any harm suffered as a result of this breach, including credit monitoring or identity theft protection for a minimum of 12 months.\n\n4. Written assurance that my data has been removed or secured in accordance with relevant laws. \n\n\n\nIf you do not respond within 10 calendar days, I will file complaints with the XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX state attorney generals office XXXX XXXX and other relevant regulatory authorities. I may also consider legal action for any financial, reputational, or emotional damage resulting from this exposure. \n\n\n\nPlease treat this matter with urgency and respond in writing by [ 10 Calendar days ].","date_sent_to_company":"2025-07-24T13:44:36.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30324","tags":null,"has_narrative":true,"complaint_id":"14864387","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-24T13:44:01.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Under applicable federal and state <em>data</em> protection and <em>breach</em> notification laws, you have a legal duty to protect consumer <em>data</em> and promptly inform affected individuals of any <em>breach</em> of <em>security</em>. If my information was compromised due to your negligence or <em>failure</em> to follow proper <em>data</em> <em>security</em> protocols, I expect : 1. A full explanation of the scope of the <em>breach</em>, including what <em>data</em> was affected and when the <em>breach</em> occurred.\n\n2."]},"sort":[21.394907,"14864387"]},{"_index":"complaint-public-v1","_id":"12660787","_score":21.092535,"_source":{"product":"Student loan","complaint_what_happened":"I am XXXX XXXX, filing a formal complaint regarding a significant security breach by Aidvantage involving my personal and educational records. Without my authorization or consent, my confidential information was exposedan action that clearly violates the Family Educational Rights and Privacy Act ( FERPA ). This breach also infringes on the Higher Education Act and the Privacy Act of 1974, which both mandate strict protection of student data. \n\nThe unauthorized disclosure of my sensitive information has compromised the integrity of my records and the trust I placed in Aidvantage. As a result, the contractual obligations that were established based on this compromised data are no longer legally binding. Continuing to enforce my student loan contracts under these conditions is unjust and contrary to the protections provided under federal law. \n\nI request an immediate investigation into the breach, including : A full evaluation of the extent of the security failure, Enforcement of corrective measures to secure my data, And the complete discharge of all outstanding student loans associated with my account. \n\nI am prepared to provide additional documentation or evidence to support my claims. I trust that the responsible authorities will act swiftly to address this serious matter, protect my rights, and ensure that similar breaches do not occur in the future.","date_sent_to_company":"2025-03-26T14:58:01.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"12660787","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-03-26T14:46:04.000Z","state":"GA","company_public_response":null,"sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["I am XXXX XXXX, filing a formal complaint regarding a significant <em>security</em> <em>breach</em> by Aidvantage <em>involving</em> my personal and educational records. Without my authorization or consent, my confidential information was exposedan action that clearly violates the Family Educational Rights and Privacy Act ( FERPA ). This <em>breach</em> also infringes on the Higher Education Act and the Privacy Act of 1974, which both mandate strict protection of student <em>data</em>."]},"sort":[21.092535,"12660787"]},{"_index":"complaint-public-v1","_id":"14623802","_score":21.01615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Personal Data & Request for Investigation and Deletion Pursuant to FCRA ( 15 U.S.C. 1681 et seq. ) To Whom It May Concern, I am submitting this letter as a formal consumer complaint/dispute and privacy demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning personal data you maintain, disseminate, and share in your consumer reporting systems and affiliated databases. I am asserting both the right to accuracy and the right to data security in light of LexisNexis Risk Solutions ' known breach of sensitive consumer information. \n\nI. Background : Publicly Reported Data Breach of LexisNexis On or around XX/XX/XXXX, LexisNexis experienced a data breach involving unauthorized access to consumer records including Social Security numbers, drivers license numbers, dates of birth, and contact information. This breach was reported publicly in a filing with the Maine Attorney Generals Office and widely covered by reputable sources including XXXX XXXX XXXX XXXX. Critically, the breach was not disclosed until XX/XX/XXXX, over three months after the exposure a delay that created prolonged risk to affected consumers like myself. \nAs a consumer whose data is likely retained and sold by LexisNexis across its various information products, I have strong reason to believe that my personally identifiable information ( PII ) was among the compromised records. \n\nII. Legal Grounds for Challenge and Demands 1. Failure to Maintain Reasonable Procedures FCRA 1681e ( b ) Under the FCRA, LexisNexis is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. A breach of this magnitude constitutes prima facie evidence of procedural failure in both data integrity and consumer protection.","date_sent_to_company":"2025-07-14T16:24:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89081","tags":null,"has_narrative":true,"complaint_id":"14623802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-07-13T02:01:38.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am asserting both the right to accuracy and the right to <em>data</em> <em>security</em> in light of LexisNexis Risk Solutions ' known <em>breach</em> of sensitive consumer information. \n\nI. Background : Publicly Reported <em>Data</em> <em>Breach</em> of LexisNexis On or around XX/XX/XXXX, LexisNexis experienced a <em>data</em> <em>breach</em> <em>involving</em> unauthorized access to consumer records including Social <em>Security</em> numbers, drivers license numbers, dates of birth, and contact information."]},"sort":[21.01615,"14623802"]},{"_index":"complaint-public-v1","_id":"11635240","_score":20.929474,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally lodge a complaint regarding the gross negligence exhibited by XXXX in safeguarding my personal information, which was compromised during their widely publicized data breach. This breach, which exposed the sensitive information of over XXXX XXXX XXXX, including mine, is a direct result of XXXXXXXX XXXX failure to implement adequate security measures. \n\nAs a consumer, I entrusted XXXX with highly sensitive personal information, including my Social Security number, financial details, and other identifying data. Their failure to protect this information has caused me significant distress and has exposed me to a heightened risk of identity theft and financial fraud. \n\nTo date, I have not received adequate assurance from XXXX that they have taken meaningful steps to rectify the harm caused by their negligence. Furthermore, their response to this breach has been lackluster, with insufficient compensation or support offered to affected individuals like myself. \n\nI demand the CFPB take the following actions immediately : Conduct a thorough investigation into XXXX XXXX security practices leading up to the breach and ensure accountability for their failures. \nImpose strict penalties and sanctions on XXXX for their negligence and the resulting harm caused to consumers. \nXXXX XXXX to provide long-term credit monitoring and identity theft protection services to all affected individuals, at no cost. \nRequire XXXX to implement enhanced security protocols and undergo regular audits to prevent future breaches. \nThe CFPB has a responsibility to protect consumers from corporate negligence and ensure companies like XXXX are held accountable for their actions. I expect prompt action from your agency to address this matter and protect the interests of affected individuals. \n\nI am prepared to escalate this issue further if necessary, including seeking legal remedies and involving my elected representatives. \n\nI look forward to your timely response and a detailed outline of the actions the CFPB will take to address this issue.","date_sent_to_company":"2025-01-18T20:12:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29150","tags":null,"has_narrative":true,"complaint_id":"11635240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-18T20:04:25.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to formally lodge a complaint regarding the gross negligence exhibited by XXXX in safeguarding my personal information, which was compromised during their widely publicized <em>data</em> <em>breach</em>. This <em>breach</em>, which exposed the sensitive information of over XXXX XXXX XXXX, including mine, is a direct result of XXXXXXXX XXXX <em>failure</em> to implement adequate <em>security</em> measures."]},"sort":[20.929474,"11635240"]},{"_index":"complaint-public-v1","_id":"11634966","_score":20.921013,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally lodge a complaint regarding the gross negligence exhibited by Equifax in safeguarding my personal information, which was compromised during their widely publicized data breach. This breach, which exposed the sensitive information of over XXXX XXXX Americans, including mine, is a direct result of Equifax 's failure to implement adequate security measures. \n\nAs a consumer, I entrusted Equifax with highly sensitive personal information, including my Social Security number, financial details, and other identifying data. Their failure to protect this information has caused me significant distress and has exposed me to a heightened risk of identity theft and financial fraud. \n\nTo date, I have not received adequate assurance from Equifax that they have taken meaningful steps to rectify the harm caused by their negligence. Furthermore, their response to this breach has been lackluster, with insufficient compensation or support offered to affected individuals like myself. \n\nI demand the CFPB take the following actions immediately : Conduct a thorough investigation into Equifax 's security practices leading up to the breach and ensure accountability for their failures.\n\nImpose strict penalties and sanctions on Equifax for their negligence and the resulting harm caused to consumers.\n\nMandate Equifax to provide long-term credit monitoring and identity theft protection services to all affected individuals, at no cost.\n\nRequire Equifax to implement enhanced security protocols and undergo regular audits to prevent future breaches.\n\nThe CFPB has a responsibility to protect consumers from corporate negligence and ensure companies like Equifax are held accountable for their actions. I expect prompt action from your agency to address this matter and protect the interests of affected individuals. \n\nI am prepared to escalate this issue further if necessary, including seeking legal remedies and involving my elected representatives. \n\nI look forward to your timely response and a detailed outline of the actions the CFPB will take to address this issue.","date_sent_to_company":"2025-01-18T20:12:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29150","tags":null,"has_narrative":true,"complaint_id":"11634966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-18T20:12:47.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to formally lodge a complaint regarding the gross negligence exhibited by Equifax in safeguarding my personal information, which was compromised during their widely publicized <em>data</em> <em>breach</em>. This <em>breach</em>, which exposed the sensitive information of over XXXX XXXX Americans, including mine, is a direct result of Equifax 's <em>failure</em> to implement adequate <em>security</em> measures."]},"sort":[20.921013,"11634966"]},{"_index":"complaint-public-v1","_id":"11589531","_score":20.921013,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally lodge a complaint regarding the gross negligence exhibited by XXXX in safeguarding my personal information, which was compromised during their widely publicized data breach. This breach, which exposed the sensitive information of over XXXX XXXX Americans, including mine, is a direct result of XXXX 's failure to implement adequate security measures. \n\nAs a consumer, I entrusted XXXX with highly sensitive personal information, including my Social Security number, financial details, and other identifying data. Their failure to protect this information has caused me significant distress and has exposed me to a heightened risk of identity theft and financial fraud. \n\nTo date, I have not received adequate assurance from XXXX that they have taken meaningful steps to rectify the harm caused by their negligence. Furthermore, their response to this breach has been lackluster, with insufficient compensation or support offered to affected individuals like myself. \n\nI demand the CFPB take the following actions immediately : Conduct a thorough investigation into XXXX 's security practices leading up to the breach and ensure accountability for their failures. \nImpose strict penalties and sanctions on XXXX for their negligence and the resulting harm caused to consumers. \nMandate XXXX to provide long-term credit monitoring and identity theft protection services to all affected individuals, at no cost. \nRequire XXXX to implement enhanced security protocols and undergo regular audits to prevent future breaches. \nThe CFPB has a responsibility to protect consumers from corporate negligence and ensure companies like XXXX are held accountable for their actions. I expect prompt action from your agency to address this matter and protect the interests of affected individuals. \n\nI am prepared to escalate this issue further if necessary, including seeking legal remedies and involving my elected representatives. \n\nI look forward to your timely response and a detailed outline of the actions the CFPB will take to address this issue.","date_sent_to_company":"2025-01-18T20:12:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29150","tags":null,"has_narrative":true,"complaint_id":"11589531","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-18T20:12:47.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to formally lodge a complaint regarding the gross negligence exhibited by XXXX in safeguarding my personal information, which was compromised during their widely publicized <em>data</em> <em>breach</em>. This <em>breach</em>, which exposed the sensitive information of over XXXX XXXX Americans, including mine, is a direct result of XXXX 's <em>failure</em> to implement adequate <em>security</em> measures."]},"sort":[20.921013,"11589531"]},{"_index":"complaint-public-v1","_id":"11383915","_score":20.918936,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Failure to Correct Inaccurate Information and Unauthorized Account Following Data Breach I am filing this complaint due to the failure of credit reporting agencies XXXX and a creditor/collection agency 5/3 BANK, to investigate and correct an unauthorized account ( XXXX ) on my credit report. This account, with a balance of {$68000.00}, was opened on XX/XX/year> without my authorization and is tied to a data breach that compromised my personal information. \n\nRelevant Legal Context : This situation involves multiple violations of federal and state laws designed to protect consumers personal and financial information : XXXX XXXX XXXX XXXX  ) Under the XXXX  Safeguards Rule, financial institutions are required to implement safeguards to protect consumer data. The failure to prevent the data breach that exposed my information and led to the unauthorized account violates this obligation. \nFair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : CRAs must investigate disputed items and remove inaccurate or unverifiable information.\n\n15 U.S.C. 1681c-1 : Consumers have the right to place fraud alerts and have fraudulent information promptly addressed.\n\nDespite submitting disputes and evidence of identity theft, the CRAs failed to remove the account or investigate adequately.\n\nFair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Creditors and collection agencies are required to validate debts upon request. Despite my formal demand for validation, the creditor/collection agency has not provided proof of ownership or compliance with federal safeguards. \nVirginia Code 18.2-186.6 ( State Data Breach Law ) Virginia requires that affected individuals be notified promptly of breaches involving personal information. The lack of sufficient safeguards and failure to mitigate the impact of the breach contributed to this unauthorized account.\n\nFederal Trade Commission Act ( FTC Act ) The failure of involved parties to secure my personal information and notify me promptly of its misuse constitutes an unfair trade practice under 15 U.S.C. 45. \nSummary of Events : My personal information was compromised during a data breach, exposing sensitive details such as my Social Security number and account information. \nShortly thereafter, the unauthorized account ( XXXX ) appeared on my credit report. \nDespite submitting disputes under the FCRA, the CRAs failed to investigate properly or remove the account. \nThe creditor/collection agency has not validated the account, as required by the FDCPA. \nThese failures have caused significant financial harm, including a negative impact on my credit score and denial of credit opportunities.","date_sent_to_company":"2025-01-04T15:38:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23324","tags":null,"has_narrative":true,"complaint_id":"11383915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-01-04T15:38:27.000Z","state":"VA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Virginia Code 18.2-186.6 ( State <em>Data</em> <em>Breach</em> Law ) Virginia requires that affected individuals be notified promptly of <em>breaches</em> <em>involving</em> personal information. The lack of sufficient safeguards and <em>failure</em> to mitigate the impact of the <em>breach</em> contributed to this unauthorized account.\n\nFederal Trade Commission Act ( FTC Act ) The <em>failure</em> of involved parties to secure my personal information and notify me promptly of its misuse constitutes an unfair trade practice under 15 U.S.C. 45."]},"sort":[20.918936,"11383915"]},{"_index":"complaint-public-v1","_id":"11384036","_score":20.89178,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Failure to Correct Inaccurate Information and Unauthorized Account Following Data Breach I am filing this complaint due to the failure of credit reporting agencies TRANSUNION and a creditor/collection agency XXXX XXXX to investigate and correct an unauthorized account XXXX XXXX  ) on my credit report. This account, with a balance of {$68000.00}, was opened on XX/XX/year> without my authorization and is tied to a data breach that compromised my personal information. \n\nRelevant Legal Context : This situation involves multiple violations of federal and state laws designed to protect consumers personal and financial information : Gramm-Leach-Bliley Act ( GLBA ) Under the GLBA Safeguards Rule, financial institutions are required to implement safeguards to protect consumer data. The failure to prevent the data breach that exposed my information and led to the unauthorized account violates this obligation. \nFair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : CRAs must investigate disputed items and remove inaccurate or unverifiable information.\n\n15 U.S.C. 1681c-1 : Consumers have the right to place fraud alerts and have fraudulent information promptly addressed. \nDespite submitting disputes and evidence of identity theft, the CRAs failed to remove the account or investigate adequately. \nFair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Creditors and collection agencies are required to validate debts upon request. Despite my formal demand for validation, the creditor/collection agency has not provided proof of ownership or compliance with federal safeguards.\n\nVirginia Code 18.2-186.6 ( State Data Breach Law ) Virginia requires that affected individuals be notified promptly of breaches involving personal information. The lack of sufficient safeguards and failure to mitigate the impact of the breach contributed to this unauthorized account.\n\nFederal Trade Commission Act ( FTC Act ) The failure of involved parties to secure my personal information and notify me promptly of its misuse constitutes an unfair trade practice under 15 U.S.C. 45. \nSummary of Events : My personal information was compromised during a data breach, exposing sensitive details such as my Social Security number and account information. \nShortly thereafter, the unauthorized account ( XXXX XXXX appeared on my credit report. \nDespite submitting disputes under the FCRA, the CRAs failed to investigate properly or remove the account. \nThe creditor/collection agency has not validated the account, as required by the FDCPA. \nThese failures have caused significant financial harm, including a negative impact on my credit score and denial of credit opportunities.","date_sent_to_company":"2025-01-04T15:38:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23324","tags":null,"has_narrative":true,"complaint_id":"11384036","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-04T13:28:18.000Z","state":"VA","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":["Virginia Code 18.2-186.6 ( State <em>Data</em> <em>Breach</em> Law ) Virginia requires that affected individuals be notified promptly of <em>breaches</em> <em>involving</em> personal information. The lack of sufficient safeguards and <em>failure</em> to mitigate the impact of the <em>breach</em> contributed to this unauthorized account.\n\nFederal Trade Commission Act ( FTC Act ) The <em>failure</em> of involved parties to secure my personal information and notify me promptly of its misuse constitutes an unfair trade practice under 15 U.S.C. 45."]},"sort":[20.89178,"11384036"]},{"_index":"complaint-public-v1","_id":"12739376","_score":20.862022,"_source":{"product":"Student loan","complaint_what_happened":"I am filing this complaint against Mohela due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over XXXX late payment entries from Mohela, which has caused my credit score to drop by over XXXX points!!! This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced under these conditions. Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving Mohela raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, Mohela may have incorrectly or fraudulently reported late payments that I did not actually incur. 3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.","date_sent_to_company":"2025-04-01T02:37:54.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"91307","tags":null,"has_narrative":true,"complaint_id":"12739376","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-04-01T02:30:53.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Possible Unauthorized Reporting and Account Compromise Due to <em>Data</em> <em>Breach</em> - The reported <em>data</em> <em>breach</em> <em>involving</em> Mohela raises serious questions about the integrity of my loan accounts. If my <em>data</em> was exposed or manipulated, Mohela may have incorrectly or fraudulently reported late payments that I did not actually incur. 3."]},"sort":[20.862022,"12739376"]},{"_index":"complaint-public-v1","_id":"12380037","_score":20.83667,"_source":{"product":"Student loan","complaint_what_happened":"I am filing this complaint against Nelnet due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over XXXX late payment entries from Nelnet, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced under these conditions.\n\nViolations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported.\n\n2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving Nelnet raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, Nelnet may have incorrectly or fraudulently reported late payments that I did not actually incur.\n\n3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.","date_sent_to_company":"2025-03-08T21:11:12.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"12380037","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-03-08T20:42:55.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Possible Unauthorized Reporting and Account Compromise Due to <em>Data</em> <em>Breach</em> - The reported <em>data</em> <em>breach</em> <em>involving</em> Nelnet raises serious questions about the integrity of my loan accounts. If my <em>data</em> was exposed or manipulated, Nelnet may have incorrectly or fraudulently reported late payments that I did not actually incur.\n\n3."]},"sort":[20.83667,"12380037"]},{"_index":"complaint-public-v1","_id":"10171093","_score":20.715118,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information in the XXXX data breach that occurred in XXXX. My name is XXXX XXXX, and I am deeply concerned about the implications this breach has had on my financial security and personal privacy. \n\nOn XX/XX/XXXX, I learned that my personal information, including my Social Security number, date of birth, and financial details, was part of the massive data breach involving XXXX. This breach has left me feeling vulnerable and anxious about potential identity theft and fraud. \n\nDespite XXXX 's efforts to notify affected individuals and offer credit monitoring services, I believe that the response was inadequate given the severity of the breach. I have taken steps to protect myself, including enrolling in credit monitoring services and placing fraud alerts on my credit reports. However, the emotional distress and potential financial repercussions from this incident are ongoing concerns. \n\nI urge the CFPB to take appropriate action against XXXX for their failure to adequately secure consumer information and to ensure that they are held accountable for their negligence. Additionally, I request that the CFPB promote more robust regulations to protect consumers from similar breaches in the future. \n\nThank you for your attention to this matter. I look forward to your response and any updates regarding the actions taken in relation to my complaint.","date_sent_to_company":"2024-09-19T17:01:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38017","tags":null,"has_narrative":true,"complaint_id":"10171093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-19T16:48:35.000Z","state":"TN","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":["I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information in the XXXX <em>data</em> <em>breach</em> that occurred in XXXX. My name is XXXX XXXX, and I am deeply concerned about the implications this <em>breach</em> has had on my financial <em>security</em> and personal privacy. \n\nOn XX/XX/XXXX, I learned that my personal information, including my Social <em>Security</em> number, date of birth, and financial details, was part of the massive <em>data</em> <em>breach</em> <em>involving</em> XXXX."]},"sort":[20.715118,"10171093"]},{"_index":"complaint-public-v1","_id":"10170848","_score":20.695997,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information in the XXXX data breach that occurred in XXXX. My name is XXXX XXXX, and I am deeply concerned about the implications this breach has had on my financial security and personal privacy. \n\nOn XX/XX/XXXX, I learned that my personal information, including my Social Security number, date of birth, and financial details, was part of the massive data breach involving XXXX. This breach has left me feeling vulnerable and anxious about potential identity theft and fraud. \n\nDespite XXXX 's efforts to notify affected individuals and offer credit monitoring services, I believe that the response was inadequate given the severity of the breach. I have taken steps to protect myself, including enrolling in credit monitoring services and placing fraud alerts on my credit reports. However, the emotional distress and potential financial repercussions from this incident are ongoing concerns. \n\nI urge the CFPB to take appropriate action against XXXX for their failure to adequately secure consumer information and to ensure that they are held accountable for their negligence. Additionally, I request that the CFPB promote more robust regulations to protect consumers from similar breaches in the future. \n\nThank you for your attention to this matter. I look forward to your response and any updates regarding the actions taken in relation to my complaint.","date_sent_to_company":"2024-09-19T17:02:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38017","tags":null,"has_narrative":true,"complaint_id":"10170848","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-19T17:02:11.000Z","state":"TN","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":["I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information in the XXXX <em>data</em> <em>breach</em> that occurred in XXXX. My name is XXXX XXXX, and I am deeply concerned about the implications this <em>breach</em> has had on my financial <em>security</em> and personal privacy. \n\nOn XX/XX/XXXX, I learned that my personal information, including my Social <em>Security</em> number, date of birth, and financial details, was part of the massive <em>data</em> <em>breach</em> <em>involving</em> XXXX."]},"sort":[20.695997,"10170848"]},{"_index":"complaint-public-v1","_id":"10179837","_score":20.687634,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information in the Equifax data breach that occurred in XXXX. My name is XXXX XXXX, and I am deeply concerned about the implications this breach has had on my financial security and personal privacy. \n\nOn XX/XX/XXXX, I learned that my personal information, including my Social Security number, date of birth, and financial details, was part of the massive data breach involving Equifax. This breach has left me feeling vulnerable and anxious about potential identity theft and fraud. \n\nDespite Equifax 's efforts to notify affected individuals and offer credit monitoring services, I believe that the response was inadequate given the severity of the breach. I have taken steps to protect myself, including enrolling in credit monitoring services and placing fraud alerts on my credit reports. However, the emotional distress and potential financial repercussions from this incident are ongoing concerns. \n\nI urge the CFPB to take appropriate action against Equifax for their failure to adequately secure consumer information and to ensure that they are held accountable for their negligence. Additionally, I request that the CFPB promote more robust regulations to protect consumers from similar breaches in the future. \n\nThank you for your attention to this matter. I look forward to your response and any updates regarding the actions taken in relation to my complaint.","date_sent_to_company":"2024-09-19T17:02:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38017","tags":null,"has_narrative":true,"complaint_id":"10179837","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-19T17:02:11.000Z","state":"TN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information in the Equifax <em>data</em> <em>breach</em> that occurred in XXXX. My name is XXXX XXXX, and I am deeply concerned about the implications this <em>breach</em> has had on my financial <em>security</em> and personal privacy. \n\nOn XX/XX/XXXX, I learned that my personal information, including my Social <em>Security</em> number, date of birth, and financial details, was part of the massive <em>data</em> <em>breach</em> <em>involving</em> Equifax."]},"sort":[20.687634,"10179837"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":691,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":691}]}},"product":{"doc_count":691,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":521,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":517},{"key":"Other personal consumer report","doc_count":4}]}},{"key":"Debt collection","doc_count":53,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":23},{"key":"Credit card debt","doc_count":16},{"key":"Auto debt","doc_count":4},{"key":"Telecommunications debt","doc_count":3},{"key":"Medical debt","doc_count":2},{"key":"Mortgage debt","doc_count":2},{"key":"Other debt","doc_count":2},{"key":"Rental debt","doc_count":1}]}},{"key":"Student loan","doc_count":41,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":40},{"key":"Private student loan","doc_count":1}]}},{"key":"Checking or savings account","doc_count":22,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":13},{"key":"Other banking product or service","doc_count":4},{"key":"Savings account","doc_count":4},{"key":"CD (Certificate of Deposit)","doc_count":1}]}},{"key":"Credit card","doc_count":13,"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":13}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Virtual currency","doc_count":5},{"key":"Mobile or digital wallet","doc_count":4},{"key":"Domestic (US) money transfer","doc_count":3},{"key":"Check cashing service","doc_count":1}]}},{"key":"Mortgage","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FHA mortgage","doc_count":4},{"key":"VA mortgage","doc_count":3},{"key":"Conventional home mortgage","doc_count":1},{"key":"Other type of mortgage","doc_count":1},{"key":"Reverse mortgage","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":7},{"key":"Lease","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1},{"key":"Payday loan","doc_count":1},{"key":"Personal line of credit","doc_count":1}]}},{"key":"Prepaid card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":1},{"key":"Government benefit card","doc_count":1}]}},{"key":"Debt or credit management","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Student loan debt relief","doc_count":1}]}}]}},"issue":{"doc_count":691,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":281,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":157},{"key":"Account status incorrect","doc_count":67},{"key":"Account information incorrect","doc_count":36},{"key":"Personal information incorrect","doc_count":12},{"key":"Old information reappears or never goes away","doc_count":8},{"key":"Public record information inaccurate","doc_count":1}]}},{"key":"Improper use of your report","doc_count":174,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":145},{"key":"Credit inquiries on your report that you don't recognize","doc_count":26},{"key":"Report provided to employer without your written authorization","doc_count":2},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":70,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":56},{"key":"Problem with personal statement of dispute","doc_count":8},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":3},{"key":"Investigation took more than 30 days","doc_count":2},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":28,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":15},{"key":"Debt was result of identity theft","doc_count":10},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":2},{"key":"Debt was paid","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble with how payments are being handled","doc_count":7},{"key":"Received bad information about your loan","doc_count":4},{"key":"Don't agree with the fees charged","doc_count":2},{"key":"Problem with customer service","doc_count":2},{"key":"Need information about your loan balance or loan terms","doc_count":1}]}},{"key":"Managing an account","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":6},{"key":"Deposits and withdrawals","doc_count":5},{"key":"Problem making or receiving payments","doc_count":2},{"key":"Banking errors","doc_count":1},{"key":"Funds not handled or disbursed as instructed","doc_count":1},{"key":"Problem accessing account","doc_count":1}]}},{"key":"Written notification about debt","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":13},{"key":"Didn't receive notice of right to dispute","doc_count":2}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Fraud or scam","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble during payment process","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":5},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":2},{"key":"Loan sold or transferred to another company","doc_count":1}]}},{"key":"Closing an account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":3},{"key":"Can't close your account","doc_count":1},{"key":"Funds not received from closed account","doc_count":1}]}},{"key":"False statements or representation","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":4},{"key":"Told you not to respond to a lawsuit they filed against you","doc_count":1}]}},{"key":"Struggling to repay your loan","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":4},{"key":"Can't temporarily delay making payments","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":2},{"key":"Privacy issues","doc_count":2}]}},{"key":"Problem with a purchase shown on your statement","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":3},{"key":"Card was charged for something you did not purchase with the card","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":2},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":2}]}},{"key":"Unable to get your credit report or credit score","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":3},{"key":"Problem getting your free annual credit report","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":3}]}},{"key":"Managing the loan or lease","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1},{"key":"Problem with fees charged","doc_count":1},{"key":"Problem with the interest rate","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing disclosure or other related disclosures","doc_count":1},{"key":"Trying to communicate with the company to fix an issue with the loan closing","doc_count":1}]}},{"key":"Getting a credit card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":2}]}},{"key":"Problem when making payments","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":1}]}},{"key":"Problems at the end of the loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with paying off the loan","doc_count":1},{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":1}]}},{"key":"Repossession","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account reinstatement or redemption after repossession","doc_count":1},{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":1}]}},{"key":"Confusing or misleading advertising or marketing","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Electronic communications","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted before 8am or after 9pm","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":1}]}},{"key":"Other service problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem getting a card or closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble getting, activating, or registering a card","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","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 lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":1}]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using your card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account sold or transferred to another company","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Was approved for a loan, but didn't receive the money","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":691,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":668},{"key":"No","doc_count":23}]}},"company_response":{"doc_count":691,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":473},{"key":"Closed with non-monetary relief","doc_count":210},{"key":"Untimely response","doc_count":6},{"key":"Closed with monetary relief","doc_count":2}]}},"submitted_via":{"doc_count":691,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":691}]}},"company":{"doc_count":691,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":144},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":143},{"key":"Experian Information Solutions Inc.","doc_count":136},{"key":"Nelnet, Inc.","doc_count":33},{"key":"MOHELA","doc_count":19},{"key":"EdFinancial Services","doc_count":16},{"key":"AMERICAN EXPRESS COMPANY","doc_count":12},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":10},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":9},{"key":"Maximus Federal Services, Inc.","doc_count":9},{"key":"LEXISNEXIS","doc_count":8},{"key":"CITIBANK, N.A.","doc_count":7},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":7},{"key":"Block, Inc.","doc_count":5},{"key":"JPMORGAN CHASE & CO.","doc_count":4},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":4},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":4},{"key":"WELLS FARGO & COMPANY","doc_count":4},{"key":"ALLY FINANCIAL INC.","doc_count":3},{"key":"Coinbase, Inc.","doc_count":3},{"key":"FC HoldCo LLC","doc_count":3},{"key":"SYNCHRONY FINANCIAL","doc_count":3},{"key":"Servicer under contract with Federal Student Aid","doc_count":3},{"key":"Shellpoint Partners, LLC","doc_count":3},{"key":"Bridgecrest Acceptance Corporation","doc_count":2},{"key":"DISCOVER BANK","doc_count":2},{"key":"Exeter Finance, LLC.","doc_count":2},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":2},{"key":"Global Lending Services LLC","doc_count":2},{"key":"Google Compare Credit Cards Inc.","doc_count":2},{"key":"Kikoff Inc.","doc_count":2},{"key":"Lanier Law Firm, LLC","doc_count":2},{"key":"Lentegrity Management, LLC","doc_count":2},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":2},{"key":"RAS LaVrar, LLC","doc_count":2},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":2},{"key":"Steel Lending Group LLC","doc_count":2},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":2},{"key":"U.S. BANCORP","doc_count":2},{"key":"ALLIANT CREDIT UNION","doc_count":1},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"Affirm Holdings, Inc","doc_count":1},{"key":"Albert Corporation","doc_count":1},{"key":"American Credit Acceptance, LLC","doc_count":1},{"key":"Amsher Collection Services, Inc.","doc_count":1},{"key":"BARCLAYS BANK DELAWARE","doc_count":1},{"key":"BMW Financial Services NA, LLC","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"CBC Companies, Inc.","doc_count":1},{"key":"CCS Financial Services, Inc.","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"CL Holdings LLC","doc_count":1},{"key":"Caneel Capital, LLC","doc_count":1},{"key":"Central Research Inc","doc_count":1},{"key":"Consumer Portfolio Services, Inc.","doc_count":1},{"key":"Credit Fresh Holdings Inc","doc_count":1},{"key":"Crow Creek Sioux Tribe","doc_count":1},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":1},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"FREEDOM FINANCIAL NETWORK","doc_count":1},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":1},{"key":"First Federal Credit Control, Inc.","doc_count":1},{"key":"Foris DAX, Inc.","doc_count":1},{"key":"FourLeaf Federal Credit Union","doc_count":1},{"key":"GFS II, LLC","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"GUARANTEED RATE INC.","doc_count":1},{"key":"Halsted Financial Services, LLC.","doc_count":1},{"key":"Harris & Harris, Ltd.","doc_count":1},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":1},{"key":"Innovis","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"Kriya Capital, LLC","doc_count":1},{"key":"LoanCare, LLC","doc_count":1},{"key":"M&T BANK CORPORATION","doc_count":1},{"key":"MORTGAGE SOLUTIONS OF COLORADO","doc_count":1},{"key":"MRS BPO, LLC","doc_count":1},{"key":"Malen & Associates, p.c.","doc_count":1},{"key":"National Account Systems of Omaha, LLC","doc_count":1},{"key":"National Credit Adjusters, LLC","doc_count":1},{"key":"Navient Solutions, LLC.","doc_count":1},{"key":"Old Republic National Title Holding Co.","doc_count":1},{"key":"Oliphant United, Inc.","doc_count":1},{"key":"Open Dealer Exchange, LLC","doc_count":1},{"key":"PATRICK A. CAREY, P.A.","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1},{"key":"Pollack & Rosen, P.A.","doc_count":1},{"key":"Possible Financial Inc","doc_count":1},{"key":"Receivables Management Partners, LLC","doc_count":1},{"key":"ResidentCollect, Inc.","doc_count":1},{"key":"Resurgent Capital Services L.P.","doc_count":1},{"key":"River Financial Inc.","doc_count":1},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":1},{"key":"SECURITY FINANCE CORP","doc_count":1},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":1},{"key":"Security Credit Services, LLC","doc_count":1},{"key":"Self Financial Inc.","doc_count":1},{"key":"Sentry Recovery and Collections, Inc.","doc_count":1},{"key":"Southwest Credit Systems, L.P.","doc_count":1},{"key":"Stellantis Financial Services US Corp.","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"TMX Finance LLC","doc_count":1},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":1},{"key":"United PanAm Financial Corp.","doc_count":1},{"key":"WEBSTER BANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"Weltman, Weinberg & Reis Co., L.P.A.","doc_count":1},{"key":"Westlake Services, LLC","doc_count":1}]}},"state":{"doc_count":691,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":81},{"key":"FL","doc_count":77},{"key":"GA","doc_count":69},{"key":"NV","doc_count":53},{"key":"CA","doc_count":45},{"key":"MI","doc_count":36},{"key":"NJ","doc_count":25},{"key":"NC","doc_count":23},{"key":"NY","doc_count":23},{"key":"OH","doc_count":23},{"key":"LA","doc_count":21},{"key":"MD","doc_count":20},{"key":"SC","doc_count":19},{"key":"IN","doc_count":17},{"key":"TN","doc_count":16},{"key":"VA","doc_count":16},{"key":"CT","doc_count":13},{"key":"IL","doc_count":12},{"key":"MO","doc_count":12},{"key":"MA","doc_count":9},{"key":"PA","doc_count":9},{"key":"AL","doc_count":8},{"key":"KY","doc_count":7},{"key":"CO","doc_count":6},{"key":"MS","doc_count":6},{"key":"AZ","doc_count":5},{"key":"HI","doc_count":5},{"key":"IA","doc_count":4},{"key":"OR","doc_count":4},{"key":"DC","doc_count":3},{"key":"DE","doc_count":3},{"key":"NE","doc_count":3},{"key":"WA","doc_count":3},{"key":"AR","doc_count":2},{"key":"OK","doc_count":2},{"key":"SD","doc_count":2},{"key":"UT","doc_count":2},{"key":"WV","doc_count":2},{"key":"AE","doc_count":1},{"key":"ME","doc_count":1},{"key":"VT","doc_count":1},{"key":"WI","doc_count":1}]}},"company_public_response":{"doc_count":691,"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":325},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":34},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":1},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":1}]}},"tags":{"doc_count":691,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":61},{"key":"Older American","doc_count":16},{"key":"Older American, Servicemember","doc_count":1}]}}},"_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":{"2":[20.687634,"10179837"],"3":[19.967821,"13013226"],"4":[19.959124,"12914033"],"5":[19.938995,"13087016"],"6":[19.53823,"13313234"],"7":[19.129593,"14690658"],"8":[19.014969,"13958350"]}}}