{"took":1375,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":117,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2665094","_score":22.545258,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2017 I saw reports of a large Data breach at Equifax. I went to the Equifax site and found that my information was compromised as part of the data breach. Equifax has known about this breach for weeks and not notified people that were impacted by this. Also, I am seeing articles stating that Equifax employees sold a bunch of stock prior to the breach being made public.","date_sent_to_company":"2017-09-09T04:23:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92054","tags":"Servicemember","has_narrative":true,"complaint_id":"2665094","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T00:08:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On <em>XX/XX</em>/2017 I saw reports of a <em>large</em> <em>Data</em> <em>breach</em> at Equifax. I went to the Equifax site and found that my information was compromised as <em>part</em> of the <em>data</em> <em>breach</em>. Equifax has known about this <em>breach</em> for weeks and not notified people that were impacted by this. Also, I am seeing articles stating that Equifax employees sold a bunch of stock prior to the <em>breach</em> being made public."]},"sort":[22.545258,"2665094"]},{"_index":"complaint-public-v1","_id":"11971816","_score":18.15713,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This serves as a formal complaint and official notice that I intend to file a lawsuit against Experian. My legal action will be based in large part on the information being used in the ongoing lawsuit filed against Experian by the CFPB. \n\nExperian has never provided me with any information regarding the entity that, according to THEM, certifies the accuracy of the reported data. This is a clear violation of my rights and a direct breach of the Fair Credit Reporting Act. \n\nToday, I received THE LAST EXPERIAN resolution regarding my dispute, which has remained unchanged despite my repeated attempts to correct the issue over an extended period. \n\nXXXX XXXX XXXX XXXX Account XXXX \" Remains '' \" The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. \" Please consider this communication as part of the official record of my intent to pursue legal action.","date_sent_to_company":"2025-02-06T19:03:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"00926","tags":null,"has_narrative":true,"complaint_id":"11971816","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-06T18:48:50.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My legal action will be based in <em>large</em> <em>part</em> on the information being used in the ongoing lawsuit filed against Experian by the CFPB. \n\nExperian has never provided me with any information regarding the entity that, according to THEM, certifies the accuracy of the reported <em>data</em>. This is a clear violation of my rights and a direct <em>breach</em> of the Fair Credit Reporting Act."]},"sort":[18.15713,"11971816"]},{"_index":"complaint-public-v1","_id":"6923195","_score":18.056246,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, Equifax sent me an email stating that they needed me to furtherprove that I was a part of their data breach. They told me that in order for me to be approved for the data breach, I needed to provide all of my email addresses as well as all of the names I've used. \nI am a victim of identity theft as a result of this data breach, and I qualified for the data breach settlement on THEIR website. \nI spent months researching and gathering all the proofthat I should not have to do, but this data broker company is putting me and others through unnecessary work, expense, and stress. \nI already mailed Equifax over ten pounds of paperwork in a 4-inch Binder with tons of proof the first time around, and now this company is interrogating and putting me through the mill. I've heard that this is happening to a large number of people who have filed for their settlement money. \nEquifax appears to be hoping that people will not do all of the work a second time. Furthermore, they are only giving people a month to comply before rejecting their claims, which is deceptive and abusive to people who have already been victimized and compromised by Equifax. \nPlus, Equifax isover the 15 and 30 days that I was supposed to hear back on this claim, all I heard was \" give me more proof or all that work you did was for nothing. '' An affidavit of truth is provided below. \nI had to write and have it notarized, as well as upload everything I'm sending to you to Equifax ; they did the same thing to my son, so it was double the headache, hassle, and worry. These companies used AI to generate a generic response to both of us, with the only difference being our names and Case Numbers. \nThis is completely unacceptable and unnecessary behavior on their part. This is done on purpose in order to keep all of the money and not disburse the settlement. \nMy Affidavit is in the attachments and i will upload everything I had to mail to the request return receipt again.","date_sent_to_company":"2023-06-05T16:30:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"908XX","tags":null,"has_narrative":true,"complaint_id":"6923195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-02T07:05:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, Equifax sent me an email stating that they needed me to furtherprove that I was a <em>part</em> of their <em>data</em> <em>breach</em>. They told me that in order for me to be approved for the <em>data</em> <em>breach</em>, I needed to provide all of my email addresses as well as all of the names I've used. \nI am a victim of identity theft as a result of this <em>data</em> <em>breach</em>, and I qualified for the <em>data</em> <em>breach</em> settlement on THEIR website."]},"sort":[18.056246,"6923195"]},{"_index":"complaint-public-v1","_id":"11876030","_score":17.530937,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Inaccurate Information Identity Theft & Data Breach Dear I am writing to formally dispute certain items on my credit report that have been inaccurately reported by XXXX and XXXX XXXX XXXX. Upon reviewing my credit report, I have found that these entries do not belong to me, and I have already filed disputes with both companies regarding these issues. \n\nThese discrepancies appear to be the result of identity theft, and I believe they are part of a larger data breach that has compromised my personal information. I am requesting that you investigate and correct these inaccuracies as soon as possible. \n\nUnder the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information that is inaccurate, incomplete, or unverifiable, and I am exercising my rights to have these entries investigated and removed from my credit report. \n\nPlease conduct a thorough investigation and provide me with a written confirmation of your findings once the corrections have been made. If you require any additional documentation or information to facilitate this process, please let me know. \n\nThank you for your prompt attention to this matter. I look forward to your timely response and resolution.","date_sent_to_company":"2025-01-31T17:53:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34758","tags":"Servicemember","has_narrative":true,"complaint_id":"11876030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T17:53:31.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dispute of Inaccurate Information Identity Theft & <em>Data</em> <em>Breach</em> Dear I am writing to formally dispute certain items on my credit report that have been inaccurately reported by <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. Upon reviewing my credit report, I have found that these entries do not belong to me, and I have already filed disputes with both companies regarding these issues."]},"sort":[17.530937,"11876030"]},{"_index":"complaint-public-v1","_id":"11876869","_score":17.526995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Inaccurate Information Identity Theft & Data Breach Dear I am writing to formally dispute certain items on my credit report that have been inaccurately reported by XXXX and XXXX XXXX XXXX. Upon reviewing my credit report, I have found that these entries do not belong to me, and I have already filed disputes with both companies regarding these issues. \n\nThese discrepancies appear to be the result of identity theft, and I believe they are part of a larger data breach that has compromised my personal information. I am requesting that you investigate and correct these inaccuracies as soon as possible. \n\nUnder the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information that is inaccurate, incomplete, or unverifiable, and I am exercising my rights to have these entries investigated and removed from my credit report. \n\nPlease conduct a thorough investigation and provide me with a written confirmation of your findings once the corrections have been made. If you require any additional documentation or information to facilitate this process, please let me know. \n\nThank you for your prompt attention to this matter. I look forward to your timely response and resolution.","date_sent_to_company":"2025-01-31T17:53:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34758","tags":"Servicemember","has_narrative":true,"complaint_id":"11876869","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-31T17:42:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dispute of Inaccurate Information Identity Theft & <em>Data</em> <em>Breach</em> Dear I am writing to formally dispute certain items on my credit report that have been inaccurately reported by <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. Upon reviewing my credit report, I have found that these entries do not belong to me, and I have already filed disputes with both companies regarding these issues."]},"sort":[17.526995,"11876869"]},{"_index":"complaint-public-v1","_id":"11876032","_score":17.526995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Inaccurate Information Identity Theft & Data Breach Dear I am writing to formally dispute certain items on my credit report that have been inaccurately reported by XXXX and XXXX XXXX XXXX. Upon reviewing my credit report, I have found that these entries do not belong to me, and I have already filed disputes with both companies regarding these issues. \n\nThese discrepancies appear to be the result of identity theft, and I believe they are part of a larger data breach that has compromised my personal information. I am requesting that you investigate and correct these inaccuracies as soon as possible. \n\nUnder the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information that is inaccurate, incomplete, or unverifiable, and I am exercising my rights to have these entries investigated and removed from my credit report. \n\nPlease conduct a thorough investigation and provide me with a written confirmation of your findings once the corrections have been made. If you require any additional documentation or information to facilitate this process, please let me know. \n\nThank you for your prompt attention to this matter. I look forward to your timely response and resolution.","date_sent_to_company":"2025-01-31T17:53:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34758","tags":"Servicemember","has_narrative":true,"complaint_id":"11876032","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-31T17:53:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dispute of Inaccurate Information Identity Theft & <em>Data</em> <em>Breach</em> Dear I am writing to formally dispute certain items on my credit report that have been inaccurately reported by <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. Upon reviewing my credit report, I have found that these entries do not belong to me, and I have already filed disputes with both companies regarding these issues."]},"sort":[17.526995,"11876032"]},{"_index":"complaint-public-v1","_id":"2663488","_score":17.180784,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I 'm here to complain about Equifax 's handling of the credit reporting data in the recent breach. \n\nBeyond just complaining about my private data being compromised, it 's my understanding that my details were compromised over 45 days ago and the hack is only now being made public and addressed. \n\nFurthermore, I feel doubly violated - suspicious activity in the stock market indicates that Equifax executives attempted to trade on insider knowledge. I own shares of funds that invest in Equifax. I feel I was defrauded ( as part of my mutual fund ) into paying an unfair price for shares of a company that executives knew was about to plummet, and illegally dumped at my own personal expense. \n\nI have spent my entire adult life trying to improve this company 's assessment of my ability to handle my fiscal responsibilities. This breach comes immediately after 12 years of my personal journey in repairing my own credit, since I was XXXX years old, and upon paying my debts, earning a XXXX credit score, and beginning my journey as a XXXX investor, my first paycheck large enough to begin investing in my future -- they subsequently robbed me of it.","date_sent_to_company":"2017-09-14T19:45:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"79065","tags":null,"has_narrative":true,"complaint_id":"2663488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-11T10:19:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>breach</em> comes immediately after 12 years of my personal journey in repairing my own credit, since I was <em>XXXX</em> years old, and upon paying my debts, earning a <em>XXXX</em> credit score, and beginning my journey as a <em>XXXX</em> investor, my first paycheck <em>large</em> enough to begin investing in my future -- they subsequently robbed me of it."]},"sort":[17.180784,"2663488"]},{"_index":"complaint-public-v1","_id":"13419588","_score":17.05802,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against XXXX XXXX XXXX for its failure to provide timely and adequate notification of a data breach involving my sensitive personal and financial information. \n\nI recently received a mailed breach notice from XXXX referencing a class action lawsuit and a data breach incident that occurred over two years ago. Despite the length of time since the breach occurred and was publicly litigated, this is the first time I have been informed that my information was impacted. The delayed notification has prevented me from taking timely protective actions.\n\nKey Issues and Legal Concerns : 1. Failure to Notify in a Timely Manner The breach notification was delivered over two years after the breach and far beyond the 30-day requirement under Florida Statutes XXXX. \nThis delay also appears to violate FTC best practices and may contradict federal data protection standards, which expect timely and meaningful notice to consumers when their data is exposed.\n\n2. Jurisdictional Misapplication and Lack of Clarity I reside in Florida, yet the breach notice referred to California law and a California-based class action lawsuit. \nThere was no explanation as to why California law applies to me or how I should proceed under my Florida consumer rights. \nXXXX. Lack of Remedial Support or Consumer Protection The notification did not include offers of : Free credit monitoring Identity theft protection Clear information on what personal data was accessed No instructions or point of contact for support or dispute resolution were provided beyond the general class action notice. \nXXXX. Inadequate Transparency About the Breach The breach letter did not explain : The date of the actual breach The date XXXX discovered the breach The timeline of their response Whether this was a standalone incident or part of a larger exposure of consumer data XXXX. Impact on Class Action Participation The delayed notice may prevent me from participating in the referenced class action, as key deadlines may have passed before I was even made aware of my eligibility. \n\nPersonal Impact : Because of the delay in notification, I was : Unable to take proactive steps to monitor or freeze my credit Exposed to potential identity theft and financial fraud without knowledge Left confused about what my rights are under Florida law vs. California law Subjected to XXXX  and distress over my private information being mishandled","date_sent_to_company":"2025-05-09T00:09:20.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13419588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-09T00:08:50.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Inadequate Transparency About the <em>Breach</em> The <em>breach</em> letter did not explain : The date of the actual <em>breach</em> The date <em>XXXX</em> discovered the <em>breach</em> The timeline of their response Whether this was a standalone incident or <em>part</em> of a <em>larger</em> exposure of consumer <em>data</em> <em>XXXX</em>. Impact on Class Action Participation The delayed notice may prevent me from participating in the referenced class action, as key deadlines may have passed before I was even made aware of my eligibility."]},"sort":[17.05802,"13419588"]},{"_index":"complaint-public-v1","_id":"13403897","_score":17.05802,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against XXXX XXXX XXXX for its failure to provide timely and adequate notification of a data breach involving my sensitive personal and financial information. \n\nI recently received a mailed breach notice from XXXX referencing a class action lawsuit and a data breach incident that occurred over two years ago. Despite the length of time since the breach occurred and was publicly litigated, this is the first time I have been informed that my information was impacted. The delayed notification has prevented me from taking timely protective actions. \n\nKey Issues and Legal Concerns : 1. Failure to Notify in a Timely Manner The breach notification was delivered over two years after the breach and far beyond the 30-day requirement under Florida Statutes 501.171.\n\nThis delay also appears to violate FTC best practices and may contradict federal data protection standards, which expect timely and meaningful notice to consumers when their data is exposed. \nXXXX. Jurisdictional Misapplication and Lack of Clarity I reside in Florida, yet the breach notice referred to California law and a California-based class action lawsuit. \nThere was no explanation as to why California law applies to me or how I should proceed under my Florida consumer rights. \nXXXX. Lack of Remedial Support or Consumer Protection The notification did not include offers of : Free credit monitoring Identity theft protection Clear information on what personal data was accessed No instructions or point of contact for support or dispute resolution were provided beyond the general class action notice. \nXXXX. Inadequate Transparency About the Breach The breach letter did not explain : The date of the actual breach The date XXXX discovered the breach The timeline of their response Whether this was a standalone incident or part of a larger exposure of consumer data XXXX. Impact on Class Action Participation The delayed notice may prevent me from participating in the referenced class action, as key deadlines may have passed before I was even made aware of my eligibility. \n\nPersonal Impact : Because of the delay in notification, I was : Unable to take proactive steps to monitor or freeze my credit Exposed to potential identity theft and financial fraud without knowledge Left confused about what my rights are under Florida law vs. California law Subjected to XXXX and distress over my private information being mishandled","date_sent_to_company":"2025-05-09T00:09:20.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13403897","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-09T00:08:50.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Inadequate Transparency About the <em>Breach</em> The <em>breach</em> letter did not explain : The date of the actual <em>breach</em> The date <em>XXXX</em> discovered the <em>breach</em> The timeline of their response Whether this was a standalone incident or <em>part</em> of a <em>larger</em> exposure of consumer <em>data</em> <em>XXXX</em>. Impact on Class Action Participation The delayed notice may prevent me from participating in the referenced class action, as key deadlines may have passed before I was even made aware of my eligibility."]},"sort":[17.05802,"13403897"]},{"_index":"complaint-public-v1","_id":"13419624","_score":17.0313,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against XXXX XXXX XXXX for its failure to provide timely and adequate notification of a data breach involving my sensitive personal and financial information. \n\nI recently received a mailed breach notice from XXXX referencing a class action lawsuit and a data breach incident that occurred over two years ago. Despite the length of time since the breach occurred and was publicly litigated, this is the first time I have been informed that my information was impacted. The delayed notification has prevented me from taking timely protective actions. \n\nKey Issues and Legal Concerns : 1. Failure to Notify in a Timely Manner The breach notification was delivered over two years after the breach and far beyond the 30-day requirement under Florida Statutes 501.171.\n\nThis delay also appears to violate FTC best practices and may contradict federal data protection standards, which expect timely and meaningful notice to consumers when their data is exposed.\n\n2. Jurisdictional Misapplication and Lack of Clarity I reside in Florida, yet the breach notice referred to California law and a California-based class action lawsuit. \nThere was no explanation as to why California law applies to me or how I should proceed under my Florida consumer rights. \nXXXX. Lack of Remedial Support or Consumer Protection The notification did not include offers of : Free credit monitoring Identity theft protection Clear information on what personal data was accessed No instructions or point of contact for support or dispute resolution were provided beyond the general class action notice. \nXXXX. Inadequate Transparency About the Breach The breach letter did not explain : The date of the actual breach The date XXXX discovered the breach The timeline of their response Whether this was a standalone incident or part of a larger exposure of consumer data 5. Impact on Class Action Participation The delayed notice may prevent me from participating in the referenced class action, as key deadlines may have passed before I was even made aware of my eligibility.\n\nPersonal Impact : Because of the delay in notification, I was : Unable to take proactive steps to monitor or freeze my credit Exposed to potential identity theft and financial fraud without knowledge Left confused about what my rights are under Florida law vs. California law Subjected to XXXX and distress over my private information being mishandled","date_sent_to_company":"2025-05-09T00:09:29.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13419624","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-09T00:08:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Inadequate Transparency About the <em>Breach</em> The <em>breach</em> letter did not explain : The date of the actual <em>breach</em> The date <em>XXXX</em> discovered the <em>breach</em> The timeline of their response Whether this was a standalone incident or <em>part</em> of a <em>larger</em> exposure of consumer <em>data</em> 5. Impact on Class Action Participation The delayed notice may prevent me from participating in the referenced class action, as key deadlines may have passed before I was even made aware of my eligibility."]},"sort":[17.0313,"13419624"]},{"_index":"complaint-public-v1","_id":"2661089","_score":16.787598,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I initiated a credit freeze on the EquiFax web site, given the recent data breach at this company, in order to protect myself. \n\nI paid {$5.00} that was charged for this service ( which is part 1 of my complaint : given the XXXX data breach, this fee needs to be waived ). \n\nThe confirmation page on the web site ( see attached PDF ) makes loud reference to having to print with an \" Adobe Print '' button. On my screen there is just a large empty square with no buttons visible. The PDF is an exact replica of my screen. The Terms mentions no requirements, warnings, or remedy avenues. \n\nPresumably, this page should show a PIN which will be needed to temporarily suspend or modify the security freeze. Right now, the service I paid for is incomplete. \n\nI searched extensively for a way to contact EquiFax to clarify this matter. The only phone information on the web site was for Business Customers, or for people to order a credit report ( through an automated system ). The ( Business ) phone number I called disconnected me without comment. \n\nThe other two credit report companies ( each of which also charge {$5.00}, which I believe EquiFax should pay ) at least offered emailed copies of the PIN information, so there was not a single point of failure as with Equifax.","date_sent_to_company":"2017-09-09T17:50:22.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"010XX","tags":null,"has_narrative":true,"complaint_id":"2661089","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T17:29:32.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, I initiated a credit freeze on the EquiFax web site, given the recent <em>data</em> <em>breach</em> at this company, in order to protect myself. \n\nI paid {$5.00} that was charged for this service ( which is <em>part</em> 1 of my complaint : given the <em>XXXX</em> <em>data</em> <em>breach</em>, this fee needs to be waived ). \n\nThe confirmation page on the web site ( see attached PDF ) makes loud reference to having to print with an \" Adobe Print '' button. On my screen there is just a <em>large</em> empty square with no buttons visible."]},"sort":[16.787598,"2661089"]},{"_index":"complaint-public-v1","_id":"15215500","_score":16.77858,"_source":{"product":"Checking or savings account","complaint_what_happened":"Truist Bank has evidently suffered a successful cyber attack that stole my Truist account information ( and, evidently, other customers ' account information ). This stolen information was used to open a fraudulent checking account in my name at another Truist branch bank on XX/XX/XXXX. Between that date and XX/XX/XXXX, when the breach was finally found by Truist, a total of {$45000.00} was looted from my checking account. I have submitted several formal claims from the Truist branch office I use, and so far Truist has paid {$12000.00}. Despite repeated attempts to contact them, they pour forth the usual sympathy but seem disinclined to pay the remainder of the funds looted from my account through their data breach. \n\nWhen I have gone to my local Truist account to talk with a banker to help me out, the wait time is significant, because they are working with other clients who have evidently had their funds looted. I suspect that my information theft was only a small part of a much larger breach and Truist simply doesn't want to pay everyone back because that would make their breach more notable to regulators and other agencies that monitor their financials.","date_sent_to_company":"2025-08-11T14:26:20.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30067","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"15215500","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-08-11T13:54:09.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I suspect that my information theft was only a small <em>part</em> of a much <em>larger</em> <em>breach</em> and Truist simply doesn't want to pay everyone back because that would make their <em>breach</em> more notable to regulators and other agencies that monitor their financials."]},"sort":[16.77858,"15215500"]},{"_index":"complaint-public-v1","_id":"2662185","_score":16.631628,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My credit history, and personal information were comprised by Equifax during their security breach on XX/XX/XXXX. They did not report the security breach until XX/XX/XXXX. \n\nI am attempting to place a 90 day fraud alert on my credit file, but due to the massive number of compromised files, I have been unable to do so at this point. \n\nIn my opinion, Equifax has placed consumers at risk by waiting more that a calendar month to report the security breach. It has caused consumer tools to be overloaded with requests from those whose identity 's are at risk, and is, in my opinion, unequivocally irresponsible. In addition, I have read that high level Equifax executives sold nearly XXXX XXXX dollars worth of stock without disclosing the sale to the public, after the breach was discovered, but before it was announced to the public. The sales were not listed as a part of XXXX scheduled trading plans, indicating that the executives may have acted in response to the security breach. \n\nTo me as a consumer, this is unacceptable behavior for a company with records of personal data. This event has placed millions of Americans at large financial risk, and appears to have directly benefitted Equifax executives. In addition, Equifax is a company I have never chosen to do business with. My identity is likely compromised as a result of the business decisions of other credit vendors. \n\nPlease take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.","date_sent_to_company":"2017-09-09T19:15:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93117","tags":null,"has_narrative":true,"complaint_id":"2662185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T18:57:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In addition, I have read that high level Equifax executives sold nearly <em>XXXX</em> <em>XXXX</em> dollars worth of stock without disclosing the sale to the public, after the <em>breach</em> was discovered, but before it was announced to the public. The sales were not listed as a <em>part</em> of <em>XXXX</em> scheduled trading plans, indicating that the executives may have acted in response to the security <em>breach</em>. \n\nTo me as a consumer, this is unacceptable behavior for a company with records of personal <em>data</em>."]},"sort":[16.631628,"2662185"]},{"_index":"complaint-public-v1","_id":"2663446","_score":16.5514,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"EQUIFAX loss of Personally Identifiable Information ( PII ) through a cyber security breach as reported by the Company in XXXX XXXX, although by their own investigation, information theft occurred over a period of three months ( XXXX XXXX XXXX. Equifax never notified me personally that my information was included in the data that was stolen from their safekeeping. I am a Military XXXX and currently an XXXX XXXX working for an XXXX XXXX in XXXX XXXX and my unit provided us the method to confirm on an individual basis the loss of our PII by Equifax. I want it documented that I checked my status using Equifax provided web site and received a positive result, which indicates loss of personal information through by their negligence, and the fact that they delayed announcing the data loss after their investigation ended in XXXX until first week of XXXX, which provided up to 90 days for someone to use my personal information to conduct identify theft related activity should be a crime. Equifax initially established a web site where affected consumers could log in and enroll in credit monitoring but had to indemnify Equifax from future arbitration or civil actions. Their current web page now specifically excludes THIS breach that put 143 million Americans information into the hands of people that have no business having it. There must have been significant pushback by angry individuals for them to specifically address this single topic on their web page. This Equifax breach is now the third time I have been part of a larger group of people that have had their personal information exposed without consent.","date_sent_to_company":"2017-09-11T09:07:11.000Z","issue":"Identity theft protection or other monitoring services","sub_product":"Other personal consumer report","zip_code":"22315","tags":"Servicemember","has_narrative":true,"complaint_id":"2663446","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-11T08:37:39.000Z","state":"VA","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Their current web page now specifically excludes THIS <em>breach</em> that put 143 million Americans information into the hands of people that have no business having it. There must have been significant pushback by angry individuals for them to specifically address this single topic on their web page. This Equifax <em>breach</em> is now the third time I have been <em>part</em> of a <em>larger</em> group of people that have had their personal information exposed without consent."]},"sort":[16.5514,"2663446"]},{"_index":"complaint-public-v1","_id":"2660500","_score":15.9075985,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"As ONE consumer, I am sick and tired of companies collecting my data and NOT protecting it, allowing it to be breached, and then waiting so long to eventually disclose and then still offer no support or assistance. Why should this company be allowed to house and process my data without my consent and NOT secure it? Unacceptable!!\n-- -- U.S. consumers hearing the news yesterday of a massive Equifax data breach, which the company revealed potentially affects 143 million consumers, and includes data such as names, addresses, dates of birth, social security numbers, drivers licenses and for a subset of hundreds of thousands credit card information too, not only had to contemplate the horrendous scale of the thing.\nThey were also left to grapple with an Equifax emergency response line that hung up on them, and an Equifax data breach help website that appears to raise a lot more questions than it answers not least the core consideration that its requiring desperately worried consumers to trust a company that has failed to protect their personal data with more of their personal data, by inputting it into a web form, just to check whether they might be affected by the breach.\nAnd thats before you even consider whether Equifax is trying to use the sites terms of service to get users to waive their rights to bring a class action lawsuit against it as appears to be the case. Which would be spectacularly unclassy, to say the least.\nThe cherry on this unlovely layer cake is the fact the credit checking company states it found out about the breach on XX/XX/XXXX of this year while the unauthorized access apparently occurred from mid-XX/XX/XXXX through XX/XX/XXXX.\nWhich means its given itself well over a month before deigning to tell consumers their personal data might be in the hands of identity thieves.\nThat might not seem so bad if you compare it to the current biggest ( known ) data breaches affecting at least 500M XXXX  accounts, and more than 1BN XXXX accounts which took place years before the company disclosed the intrusions to the public, although its not clear when exactly XXXX itself discovered the breaches.\nEven so, 40 days remains an awfully long time for consumers to be kept in the dark about the fact their identities and other highly sensitive personal data might be being traded by hackers, used to compromise other services, and sold to spammers for targeted spearphishing attacks.\nEquifax does not explain the length of time it took to inform the public about the breach. And yesterday said it will be writing directly to affected individuals, and is in the process of contacting state and federal regulators. So, very clearly, the company hasnt been spending any of the past 40 days warning affected individuals or informing data watchdogs that its systems had been breached.\nThe US does not currently have a federal law requiring companies to inform the public about data breaches, though one was proposed in XX/XX/XXXXunder President Obama which would have set a 30-day notification requirement, but it failed to get support.\nAnd while the vast majority of states have enacted breach notification statutes of their own at this point, and some have stricter notification requirements than the XX/XX/XXXXproposal, others dont. Its a patchwork and therefore a lottery for U.S. consumers.\nOver the pond in the European Union the story is different. A single breach notification standard for personal data was agreed at the end of XX/XX/XXXX and is set to come into force inXX/XX/XXXX, under the incoming GDPR ( General Data Protection Regulation ).\nThis will set a data breach notification bar across the bloc of not later than 72 hours after a data controller has become aware of an intrusion.\nThere are some caveats to this portion ( Article 33 ) of the regulation ( phrases like without undue delay and, where feasible, and some potential for exclusion based on the type of data being breached ( unless the personal data breach is unlikely to result in a risk to the rights and freedoms of natural persons ).\nBut the expectation is clearly that data controllers must disclose a personal data breach to a national supervisor data authority, at the very least, radically sooner than the 40 days later which Equifax reckons is an acceptable disclosure timeframe.\n( While the type of data involved in the Equifax breach is clearly highly sensitive, so this incident would seem a very unlikely candidate for qualifying for a notification exemption under GDPR. ) Another change Europes incoming rules are bringing is a big stick to drive compliance for the new breach notification standard, as companies that do not comply with the new rules risk very stiff penalties for failing to do so.\nIn the case of non-compliance over breach notification, the GDPR gives data watchdogs the power to issue fines of up to 10M ( ~ $ 12M ) or up to 2 % of the total worldwide annual turnover of a companys preceding financial year, whichever is higher.\nIn Equifaxs case its XX/XX/XXXXoperating revenue was ~ $ XXXX. So under the GDPR regime the company might have faced a fine of around $ 62.9M if it hadnt reported this data breach multiple weeks sooner than it chose to. ( Indeed, its expecting its full year XX/XX/XXXXrevenue to be even higher, between $ 3.395BN and $ 3.425BN, so this theoretical fine inflates to as much as $ XXXX. ) Which does rather give pause for thought.\nIf youre a multinational corporation processing the personal data of EU citizens those sorts of figures probably send some rather large shivers down the CEOs spine.\nEquifax does indeed have a European presence, and has also said that some UK consumers are affected by the breach writing yesterday that as part of its investigation it also identified unauthorized access to limited personal information for certain UK and Canadian residents, and adding : Equifax will work with UK and Canadian regulators to determine appropriate next steps. So if these  events had been shifted just a few months into the future Equifax might well have been forced to handle the breach disclosure very differently or else it would be risking a very large fine under GDPR.\nThe question then would be, would it have informed the UK regulatory of the breach within 72 hours whilst continuing to keep U.S. data watchdogs and U.S. consumers in the dark? That wouldnt seem like great domestic PR.\nThe aim of Europes new rules is of course to encourage companies that collect and store consumers personal data not to treat the security of that data as an afterthought. And large fines for failure is certainly one way to grease the pipe of security spending among corporates.\nAs the UKs DPA warns on its website in an FAQ about the new breach notification rules : In light of the tight timescales for reporting a breach it is important to have robust breach detection, investigation and internal reporting procedures in place.\nWhile an interesting potential side-effect of the new, tougher regime is whether it will end up forcing higher standards on non-European businesses, especially those in the U.S. given many do handle EU citizens data, and will therefore need to reconfigure their processes to meet the blocs new standard.\n( The GDPR also expands the definition of what personal data is, and brings additional requirements such as a right for consumers to see what information is held about them and have it deleted on request so there are other big changes incoming. ) Weve reached out to Equifax in the UK for comment and will update this post with any response.\nIn a statement, the deputy commissioner of the UKs data protection watchdog, commissioner XXXX XXXX, told us : Reports of a significant data loss at US-based Equifax and the potential impact on some UK citizens gives us cause for concern. We are already in direct contact with Equifax to establish the facts including how many people in the UK have been affected and what kind of personal data may have been compromised.\nWe will be advising Equifax to alert affected UK customers at the earliest opportunity, he added.","date_sent_to_company":"2017-09-09T05:51:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92084","tags":null,"has_narrative":true,"complaint_id":"2660500","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T05:36:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["A single <em>breach</em> notification standard for personal <em>data</em> was agreed at the end of XX/XX/<em>XXXX</em> and is set to come into force inXX/XX/<em>XXXX</em>, under the incoming GDPR ( General <em>Data</em> Protection Regulation ).\nThis will set a <em>data</em> <em>breach</em> notification bar across the bloc of not later than 72 hours after a <em>data</em> controller has become aware of an intrusion."]},"sort":[15.9075985,"2660500"]},{"_index":"complaint-public-v1","_id":"7455511","_score":15.548025,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was charged arbitrarily and discriminatorily by XXXX starting from XX/XX/2023 all the way to the XXXX of XX/XX/2023 first to the tune of an incorrect amount on both me and the Capital One representatives part of about {$40.00} and then a charge on the XXXX of XXXX a charge of 3 large traveling bags from a store called XXXX XXXX XXXX XXXX  for {$52.00}. On XX/XX/2023 I called to rectify the situation after the initial amount of both transaction coming to {$93.00} was initial credited to my account then debited back into my account as a reversal. Upon going over the initial dispute amount the dispute charge amount was changed to {$77.00}. The main issue is the reversal caused my account that was a few cents in the green turned into - {$93.00} causing a deposit from XXXX  data breach of {$61.00} to get sucked up. At the reopening of the reversed XXXX $ case the adjusted amount was {$77.00} with them stating there will be no issuing of refunds of {$61.00} deposited into my account by XXXX and posted on XX/XX/2023. Please I would like a rectification of this situation with a positive outcome. Thank you.","date_sent_to_company":"2023-08-25T17:09:41.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"21208","tags":null,"has_narrative":true,"complaint_id":"7455511","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-08-25T16:24:02.000Z","state":"MD","company_public_response":null,"sub_issue":"Bounced checks or returned payments"},"highlight":{"complaint_what_happened":["I was charged arbitrarily and discriminatorily by <em>XXXX</em> starting from <em>XX/XX</em>/2023 all the way to the <em>XXXX</em> of <em>XX/XX</em>/2023 first to the tune of an incorrect amount on both me and the Capital One representatives <em>part</em> of about {$40.00} and then a charge on the <em>XXXX</em> of <em>XXXX</em> a charge of 3 <em>large</em> traveling bags from a store called <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  for {$52.00}."]},"sort":[15.548025,"7455511"]},{"_index":"complaint-public-v1","_id":"13361109","_score":15.481305,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion is currently reporting a charge-off account from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$5600.00}. This entry is highly suspicious, and I dispute its validity in full. I was never notified of this account, never agreed to any such credit arrangement, and have no recollection of ever engaging in any financial dealings with this institution. It is completely unacceptable for a major credit bureau like TransUnion to maintain and report such a damaging tradeline without first validating its authenticity. The account appears to have been inserted without my consent or knowledge, which is extremely alarming and suggests serious flaws in TransUnions verification protocols. Considering the rising number of large-scale data breaches impacting major institutions, including credit bureaus themselves, it is absolutely plausible that this false tradeline is a result of compromised consumer information being matched or misapplied to the wrong individual. I demand to know how an account I never opened, never used, and never authorized made its way onto my consumer report, especially with no supporting documentation or prior communication. This is gross negligence on the part of the furnisher and TransUnion alike.","date_sent_to_company":"2025-05-06T16:47:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94510","tags":null,"has_narrative":true,"complaint_id":"13361109","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-06T16:43:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Considering the rising number of <em>large</em>-scale <em>data</em> <em>breaches</em> impacting major institutions, including credit bureaus themselves, it is absolutely plausible that this false tradeline is a result of compromised consumer information being matched or misapplied to the wrong individual. I demand to know how an account I never opened, never used, and never authorized made its way onto my consumer report, especially with no supporting documentation or prior communication."]},"sort":[15.481305,"13361109"]},{"_index":"complaint-public-v1","_id":"11370264","_score":14.864553,"_source":{"product":"Debt collection","complaint_what_happened":"All of my personal identifying information was involved in a large scale data breach resulting here in XXXXXXXX XXXX which made national headlines. I was told that due to this data breech the disputed information would be removed immediately within 4 days under section 605B? Not the 30 days it usually takes. Here I am months and months later and now have lost a home from these reports and is still not removed. Not only that but I am unable to even update my personal information to the new safe email and phone number that is listed here. I am concerned that there will be future problems if the bureau continues to use my old information KNOWING that this breech occured to which I was a victim. I continue to follow dispute after dispute with no luck and I need someone to help me please before I end up homeless on the street from someone else 's lack of ethic and character and morals from stealing the information that is supposed to be used to identify me as a person! I thought I was supposed to dispute the validity of the debt as my own not realizing that since it was a data breach that the criminals used my information improperly to make it appear as if it was my own information and valid. So that part was my mistake, but still upon calling and getting the runaround from XXXX  many many times and only being able to speak to automated systems through most of it and finally reaching a person explaining the situation and then being sent back to automated systems I don't know what else to do. I even purchased an XXXX  membership thinking that would help.The only information negative on my report is my XXXX  loans. Every other collection and negative account are not mine. The personal identifying information of the emails and the phone numbers are no longer mine, but I am forced to use those to log in and then answer my security question since I can't get a text to the phone number or an email even to what they have on file. So I don't know maybe I have to follow a claim with you guys for XXXX AND these collection accounts separately?? But due to this data breach I was repeatedly told that I just had to let them know it would be removed within 4 days and I just want them gone off my reports. Thank you","date_sent_to_company":"2025-01-21T18:44:37.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"43224","tags":null,"has_narrative":true,"complaint_id":"11370264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-03T18:41:33.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["All of my personal identifying information was involved in a <em>large</em> scale <em>data</em> <em>breach</em> resulting here in XXXXXXXX <em>XXXX</em> which made national headlines. I was told that due to this <em>data</em> breech the disputed information would be removed immediately within 4 days under section 605B? Not the 30 days it usually takes. Here I am months and months later and now have lost a home from these reports and is still not removed."]},"sort":[14.864553,"11370264"]},{"_index":"complaint-public-v1","_id":"3122743","_score":14.842836,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax had a data breach in XX/XX/XXXX in large part because it maintained consumers ' credit and personal information in a negligent manner. Initially, Equifax offered a free credit monitoring services called XXXX   XXXX. In the fall of XX/XX/XXXX, Equifax notified me that it was ending XXXX and offering me a free alternative credit monitoring service called MyEquifax. However, Equifax stated in the FAQs about this change that if anyone had a freeze on their Equifax credit file, that freeze would be unfrozen when XXXX was ended. As one who has maintained a credit file freeze for the last 20 years, I was effectively forced to enroll in the free MyEquifax program to restore the freeze on my credit file. Unfortunately, the MyEquifax software did not and still does not work to restore the freeze on my Equifax credit file. In addition, the work-arounds Equifax offers to consumers when the software does not work also failed because the Equifax customer service staff members also can not get the software to work to re-freeze my Equifax credit file. Yes, Equifax customer service staff members talked to me on the phone and sent a special PIN through the mail, but that did not enable me to re-freeze my Equifax credit file and the Equifax customer service staff also could not and can not re-freeze it.","date_sent_to_company":"2019-01-11T23:42:01.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"17055","tags":"Older American","has_narrative":true,"complaint_id":"3122743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-01-11T23:15:43.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Equifax had a <em>data</em> <em>breach</em> in XX/XX/<em>XXXX</em> in <em>large</em> <em>part</em> because it maintained consumers ' credit and personal information in a negligent manner. Initially, Equifax offered a free credit monitoring services called <em>XXXX</em>   <em>XXXX</em>. In the fall of XX/XX/<em>XXXX</em>, Equifax notified me that it was ending <em>XXXX</em> and offering me a free alternative credit monitoring service called MyEquifax."]},"sort":[14.842836,"3122743"]},{"_index":"complaint-public-v1","_id":"3111573","_score":14.839745,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax had a data breach in XX/XX/XXXX in large part because it maintained consumers ' credit and personal information in a negligent manner. Initially, Equifax offered a free credit monitoring services called XXXX   XXXX. In the fall of XX/XX/XXXX, Equifax notified me that it was ending XXXX  and offering me a free alternative credit monitoring service called myEquifax. However, Equifax stated in the FAQs about this change that if anyone had a freeze on their Equifax credit file, that freeze would be unfrozen when XXXX  was ended. As one who has maintained a credit file freeze for the last 20 years, I was effectively forced to enroll in the free myEquifax program to restore the freeze on my credit file. Unfortunately, the myEquifax software did not and still does not work to restore the freeze on my Equifax credit file. In addition, the work-arounds Equifax offers to consumers when the software does not work also failed because the Equifax customer service staff members also can not get the software to work to re-freeze my Equifax credit file. Yes, Equifax customer service staff members talked to me on the phone and sent a special PIN through the mail, but myEquifax still does not enable me to re-freeze my Equifax credit file and the Equifax customer service staff also can not re-freeze it.","date_sent_to_company":"2018-12-28T14:17:40.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"17055","tags":"Older American","has_narrative":true,"complaint_id":"3111573","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-12-28T13:55:23.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Equifax had a <em>data</em> <em>breach</em> in XX/XX/<em>XXXX</em> in <em>large</em> <em>part</em> because it maintained consumers ' credit and personal information in a negligent manner. Initially, Equifax offered a free credit monitoring services called <em>XXXX</em>   <em>XXXX</em>. In the fall of XX/XX/<em>XXXX</em>, Equifax notified me that it was ending <em>XXXX</em>  and offering me a free alternative credit monitoring service called myEquifax."]},"sort":[14.839745,"3111573"]},{"_index":"complaint-public-v1","_id":"7745048","_score":14.7459,"_source":{"product":"Student loan","complaint_what_happened":"First, no one from Nelnet has responded to me in months, including requests on whether my information was part of the data breach. \n\nSecond, my SAVE application was processed and completed on XX/XX/23 ( before interest restarted ). Despite this, Nelnet is still \" processing '' my application, causing my account to accrue thousands of dollars of interest. I have followed up multiple times for an update over 2 months and received an automated email that Nelnet would not be answering emails due to large volume. \n\nThird, the statements Nelnet provided me is missing more than {$50000.00} of my unpaid loans. For this particular issue, I have spent XXXX hours on hold waiting for someone to answer their call center line. Nelnet is a scam and has repeated predatory behavior against borrowers, including sending me statements claiming that my outstanding amount owed is {$58.00}, XXXX and not my actual amount owed of {$120000.00}, despite my numerous follow ups to confirm. In addition to stating an incorrect amount, this statement also states incorrect interest rates on the loans it does list ( which are fixed rates ) and incorrect and inconsistent interest calculations. \n\nThis company needs to be held responsible for their unethical business practices.","date_sent_to_company":"2023-10-23T19:58:12.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"10014","tags":null,"has_narrative":true,"complaint_id":"7745048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2023-10-23T19:46:39.000Z","state":"NY","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["First, no one from Nelnet has responded to me in months, including requests on whether my information was <em>part</em> of the <em>data</em> <em>breach</em>. \n\nSecond, my SAVE application was processed and completed on <em>XX/XX</em>/23 ( before interest restarted ). Despite this, Nelnet is still \" processing '' my application, causing my account to accrue thousands of dollars of interest."]},"sort":[14.7459,"7745048"]},{"_index":"complaint-public-v1","_id":"14115987","_score":14.404795,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against Navy Federal and XXXX, XXXX XXXX XXXX XXXX for their mishandling, misreporting, and breach of my sensitive credit information. Over the last 90+ days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. Concerning continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. Concerning XXXX : XXXX reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. XXXX also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA 15 U.S.C. 1681e ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. Concerning the Credit Bureaus ( XXXX XXXX ) : It is widely known that all two of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, XXXX  has reported the lowest score for my profile, which does not match the scoring across XXXX, and creates a false and harmful narrative about my creditworthiness. My trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. My Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, and all related entries ) XXXX ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. I will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-17T21:56:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30082","tags":"Servicemember","has_narrative":true,"complaint_id":"14115987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-06-17T21:55:55.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Additionally, I ask that any <em>breaches</em> of my personal <em>data</em> be noted and used as supporting grounds for the removal and correction of all affected information on my reports. I will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is <em>part</em> of a <em>larger</em> pattern of negligence and noncompliance that I hope your agency will fully investigate. \nSincerely, <em>XXXX</em> <em>XXXX</em>"]},"sort":[14.404795,"14115987"]},{"_index":"complaint-public-v1","_id":"13330284","_score":14.403719,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : [ Insert todays date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against XXXX Bank XXXX XXXX, Equifax, TransUnion, and Experian for their mishandling, misreporting, and breach of my sensitive credit information. \n\nOver the last 90+ days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. \n\nConcerning XXXX Bank : XXXX continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. \n\nConcerning XXXX : XXXX reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. XXXX also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA 15 U.S.C. 1681e ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. \n\nConcerning the Credit Bureaus XXXX Equifax, Experian ) : It is widely known that all XXXX of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, TransUnion has reported the lowest score for my profile, which does not match the scoring across Equifax, and creates a false and harmful narrative about my creditworthiness. \n\nMy trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. \n\nMy Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : XXXX Bank XXXX XX/XX/XXXX, XX/XX/XXXX, and all related entries ) XXXX ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. \n\nI will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. \n\nSincerely, XXXX XXXX XXXX XXXX signature on file )","date_sent_to_company":"2025-05-04T22:24:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30082","tags":null,"has_narrative":true,"complaint_id":"13330284","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-04T22:11:01.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Additionally, I ask that any <em>breaches</em> of my personal <em>data</em> be noted and used as supporting grounds for the removal and correction of all affected information on my reports. \n\nI will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is <em>part</em> of a <em>larger</em> pattern of negligence and noncompliance that I hope your agency will fully investigate. \n\nSincerely, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> signature on file )"]},"sort":[14.403719,"13330284"]},{"_index":"complaint-public-v1","_id":"14478671","_score":14.398235,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against XXXX XXXX and XXXX, XXXX XXXX and Experian for their mishandling, misreporting, and breach of my sensitive credit information. Over the last XXXX days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. Concerning continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA XXXX XXXX. XXXX ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. Concerning XXXX : XXXX reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. XXXX also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA XXXX XXXX. XXXX ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. Concerning the Credit Bureaus XXXX Equifax, Experian ) : It is widely known that all XXXX of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, XXXX has reported the lowest score for my profile, which does not match the scoring across XXXX and creates a false and harmful narrative about my creditworthiness. My trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. My Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and all related entries ) XXXX ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. I will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. Sincerely, XXXX XXXX XXXX XXXX to remove the payment then place it back. They have XXXX records for the late XXXX because XXXX merge with XXXX & XXXX and they messed up everybodys account and theyre not accepting capability","date_sent_to_company":"2025-07-06T16:02:37.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30082","tags":"Servicemember","has_narrative":true,"complaint_id":"14478671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-06T16:02:07.000Z","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":["Additionally, I ask that any <em>breaches</em> of my personal <em>data</em> be noted and used as supporting grounds for the removal and correction of all affected information on my reports. I will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is <em>part</em> of a <em>larger</em> pattern of negligence and noncompliance that I hope your agency will fully investigate."]},"sort":[14.398235,"14478671"]},{"_index":"complaint-public-v1","_id":"14116074","_score":14.395778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against XXXX XXXX and XXXX, XXXX, TransUnion, and XXXX  for their mishandling, misreporting, and breach of my sensitive credit information. Over the last 90+ days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. Concerning continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. Concerning XXXX : XXXX reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. XXXX also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA XXXX XXXX. XXXX ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. Concerning the Credit Bureaus ( XXXX XXXX ) : It is widely known that all two of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, TransUnion has reported the lowest score for my profile, which does not match the scoring across XXXX, and creates a false and harmful narrative about my creditworthiness. My trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. My Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, and all related entries ) XXXX ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. I will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-17T21:56:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30082","tags":"Servicemember","has_narrative":true,"complaint_id":"14116074","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-17T21:55:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Additionally, I ask that any <em>breaches</em> of my personal <em>data</em> be noted and used as supporting grounds for the removal and correction of all affected information on my reports. I will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is <em>part</em> of a <em>larger</em> pattern of negligence and noncompliance that I hope your agency will fully investigate. \nSincerely, <em>XXXX</em> <em>XXXX</em>"]},"sort":[14.395778,"14116074"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":117,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":117}]}},"product":{"doc_count":117,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":51,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":49},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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