{"took":85,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3552,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3182135","_score":17.576038,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Identify theft victim ; XXXX XXXX XXXX **Completely compromised Data breach- XXXX, XXXX, XXXX, and more. \nIdentity theft SSN, Birth certificate, DL, Registration, Identity theft wallet I have submitted in writing and via telephone to all major 3 bureaus XXXX, Transunion, and XXXX. XXXX, XXXX, XXXX, XXXX Issues as follow : 1.  XXXX Failed to alert me of XXXX breach as I have been involved ( SSN, DL ), failed to add the requested Fraud alert, and security freeze. Resulting in more identity theft fraudulent activities. \n2. XXXX added the security freeze successfully. Failed to add Fraud Alert.  Resulting in having to purchase complete Identity theft membership out of pocket. \n3. Transunion failed to add security freeze as well as Fraud Alert. Resulting in additional fraudulent activities. Having to purchase Transunion identity theft products for protection. \n\nFinal results of not fully being protected by Consumer agencies who I relied on to prevent issues from arising as more activities add. Lack of protection has allowed more financial bariers to financial hardship HIGHER RISK, HIGHER INTEREST, VEHICLE REPOS, CYBER HACKING, HIGHER PREMIUMS, & Higher Deductibles /downpayment rates.","date_sent_to_company":"2019-03-17T06:24:56.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"30080","tags":"Servicemember","has_narrative":true,"complaint_id":"3182135","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-03-17T02:24:52.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Resulting in <em>more</em> <em>identity</em> <em>theft</em> fraudulent activities. \n2. XXXX added the security freeze successfully. Failed to add <em>Fraud</em> Alert.  Resulting in having to purchase complete <em>Identity</em> <em>theft</em> membership out of pocket. \n3. Transunion failed to add security freeze as well as <em>Fraud</em> Alert. Resulting in additional fraudulent activities. Having to purchase Transunion <em>identity</em> <em>theft</em> products for protection."],"issue":["Problem with <em>fraud</em> alerts or security freezes"]},"sort":[17.576038,"3182135"]},{"_index":"complaint-public-v1","_id":"3181993","_score":17.559069,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Identify theft victim ; XXXX XXXX XXXX **Completely compromised Data breach- Equifax, XXXX, XXXX, and more. \nIdentity theft SSN, Birth certificate, DL, Registration, Identity theft wallet I have submitted in writing and via telephone to all major 3 bureaus XXXX, XXXX, and Equifax. XXXX, XXXX, XXXX, XXXX Issues as follow : 1. Equifax Failed to alert me of XXXX breach as I have been involved ( SSN, DL ), failed to add the requested Fraud alert, and security freeze. Resulting in more identity theft fraudulent activities. \n2. XXXX  added the security freeze successfully. Failed to add Fraud Alert.  Resulting in having to purchase complete Identity theft membership out of pocket. \n3. XXXX failed to add security freeze as well as Fraud Alert. Resulting in additional fraudulent activities. Having to purchase XXXX identity theft products for protection. \n\nFinal results of not fully being protected by Consumer agencies who I relied on to prevent issues from arising as more activities add. Lack of protection has allowed more financial bariers to financial hardship HIGHER RISK, HIGHER INTEREST, VEHICLE REPOS, CYBER HACKING, HIGHER PREMIUMS, & Higher Deductibles /downpayment rates.","date_sent_to_company":"2019-03-17T06:24:50.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"30080","tags":"Servicemember","has_narrative":true,"complaint_id":"3181993","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-03-17T01:17:20.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Resulting in <em>more</em> <em>identity</em> <em>theft</em> fraudulent activities. \n2. XXXX  added the security freeze successfully. Failed to add <em>Fraud</em> Alert.  Resulting in having to purchase complete <em>Identity</em> <em>theft</em> membership out of pocket. \n3. XXXX failed to add security freeze as well as <em>Fraud</em> Alert. Resulting in additional fraudulent activities. Having to purchase XXXX <em>identity</em> <em>theft</em> products for protection."],"issue":["Problem with <em>fraud</em> alerts or security freezes"]},"sort":[17.559069,"3181993"]},{"_index":"complaint-public-v1","_id":"3182136","_score":17.55709,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Identify theft victim ; XXXX XXXX XXXX **Completely compromised Data breach- XXXX, XXXX, XXXX, and more. \nIdentity theft SSN, Birth certificate, DL, Registration, Identity theft wallet I have submitted in writing and via telephone to all major 3 bureaus Experian, XXXX, and XXXX. XXXX, XXXX, XXXX, XXXX Issues as follow : 1. XXXX Failed to alert me of XXXX breach as I have been involved ( SSN, DL ), failed to add the requested Fraud alert, and security freeze. Resulting in more identity theft fraudulent activities. \n2. Experian added the security freeze successfully. Failed to add Fraud Alert. Resulting in having to purchase complete Identity theft membership out of pocket. \n3. XXXX failed to add security freeze as well as Fraud Alert.  Resulting in additional fraudulent activities. Having to purchase XXXX identity theft products for protection. \n\nFinal results of not fully being protected by Consumer agencies who I relied on to prevent issues from arising as more activities add. Lack of protection has allowed more financial bariers to financial hardship HIGHER RISK, HIGHER INTEREST, VEHICLE REPOS, CYBER HACKING, HIGHER PREMIUMS, & Higher Deductibles /downpayment rates.","date_sent_to_company":"2019-03-17T06:24:56.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"30080","tags":"Servicemember","has_narrative":true,"complaint_id":"3182136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-03-17T02:24:52.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Resulting in <em>more</em> <em>identity</em> <em>theft</em> fraudulent activities. \n2. Experian added the security freeze successfully. Failed to add <em>Fraud</em> Alert. Resulting in having to purchase complete <em>Identity</em> <em>theft</em> membership out of pocket. \n3. XXXX failed to add security freeze as well as <em>Fraud</em> Alert.  Resulting in additional fraudulent activities. Having to purchase XXXX <em>identity</em> <em>theft</em> products for protection."],"issue":["Problem with <em>fraud</em> alerts or security freezes"]},"sort":[17.55709,"3182136"]},{"_index":"complaint-public-v1","_id":"6239476","_score":16.227926,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to identity theft and fraud there are three collection items on my credit report that are having a detrimental effect on my financial and personal well being. To rectify this I have submitted multiple requests to have this data removed and have reason to believe that Equifax did not conduct its obligatory due diligence in investigating these matters ( despite taking more then 30 days on several occasions ) and closed them without reaching a factual based resolution. \nHave been refused credit, opportunities on multiple occasions despite identity theft and fraud being listed on my disputed. Specifically, items resulting from identify theft continue to be reported as collections by Equifax. Clearly Equifax has ignored resolution guidelines set forth in the fcra causing significant personal and financial distress.","date_sent_to_company":"2022-11-23T08:05:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"86406","tags":null,"has_narrative":true,"complaint_id":"6239476","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-11-23T07:46:26.000Z","state":"AZ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Have been refused credit, opportunities on multiple occasions despite <em>identity</em> <em>theft</em> and <em>fraud</em> being listed on my disputed. Specifically, items resulting from identify <em>theft</em> continue to be reported as collections by Equifax. Clearly Equifax has ignored resolution guidelines set forth in the fcra causing significant personal and <em>financial</em> distress."]},"sort":[16.227926,"6239476"]},{"_index":"complaint-public-v1","_id":"20527406","_score":15.28619,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint regarding identity theft involving fraudulent attempts to open financial accounts using my personal information. \n\nOn or about XX/XX/XXXX, I received notifications from financial institutions that applications had been submitted in my name without my authorization. This includes U.S. Bank, XXXX XXXX, XXXX XXXX, and XXXX. \n\nThe following personal information was used without my consent : -Social Security Number -Protected Safe at Home mailing address -Phone numbers associated with me -Email address created in my name I immediately took the following actions : -Filed an FTC Identity Theft Report ( # XXXX ) -Placed fraud alerts and credit freezes with all three credit bureaus -Reported the fraud directly to the institutions involved -Completed XXXX protections On XX/XX/XXXX, I received two more letters from US Bank regarding two applications for U.S. Bank Signature Rewards Credit Cards. \n\nAt this time, I am requesting : -Written confirmation that no accounts have been opened in my name -Removal of any unauthorized inquiries or records -Assurance that my information will not be used or retained improperly -Documentation of actions taken in response to this fraud This matter involves highly sensitive personal information and should be treated as identity theft with potential criminal implications. No financial loss has occurred at this time, but multiple fraudulent attempts were made. \n\nI have documentation available, including an FTC Identity Theft Report and supporting records.","date_sent_to_company":"2026-03-24T02:35:32.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"20527406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-03-24T02:30:00.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["No <em>financial</em> loss has occurred at this time, but multiple fraudulent attempts were made. \n\nI have documentation available, including an FTC <em>Identity</em> <em>Theft</em> Report and supporting records."]},"sort":[15.28619,"20527406"]},{"_index":"complaint-public-v1","_id":"15040695","_score":15.13272,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"i am submitting this report to the ftc because i have been a victim of identity theft. one or more sccpounts have oppeared on my credit report that i do not recognize, did not authorize, and did not open.these accounts are negatively affecting my financial reputing, economic security, and my rights under the fair credit reporting act ( FCRA ). i request that this report be registered as part of a fraud investigation and that an official identity theft report be issued .i am also taking additional protective measured such as credit freezing and formal disputes.","date_sent_to_company":"2025-08-01T18:04:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07601","tags":null,"has_narrative":true,"complaint_id":"15040695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-01T17:59:33.000Z","state":"NJ","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 submitting this report to the ftc because i have been a victim of <em>identity</em> <em>theft</em>. one or <em>more</em> sccpounts have oppeared on my credit report that i do not recognize, did not authorize, and did not open.these accounts are negatively affecting my <em>financial</em> reputing, economic security, and my rights under the fair credit reporting act ( FCRA ). i request that this report be registered as part of a <em>fraud</em> investigation and that an official <em>identity</em> <em>theft</em> report be issued .i am also taking additional"]},"sort":[15.13272,"15040695"]},{"_index":"complaint-public-v1","_id":"14995656","_score":15.13272,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"i am submitting this report to the ftc because i have been a victim of identity theft. one or more sccpounts have oppeared on my credit report that i do not recognize, did not authorize, and did not open.these accounts are negatively affecting my financial reputing, economic security, and my rights under the fair credit reporting act ( FCRA ). i request that this report be registered as part of a fraud investigation and that an official identity theft report be issued .i am also taking additional protective measured such as credit freezing and formal disputes.","date_sent_to_company":"2025-07-31T18:46:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07601","tags":null,"has_narrative":true,"complaint_id":"14995656","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-31T18:26:28.000Z","state":"NJ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["i am submitting this report to the ftc because i have been a victim of <em>identity</em> <em>theft</em>. one or <em>more</em> sccpounts have oppeared on my credit report that i do not recognize, did not authorize, and did not open.these accounts are negatively affecting my <em>financial</em> reputing, economic security, and my rights under the fair credit reporting act ( FCRA ). i request that this report be registered as part of a <em>fraud</em> investigation and that an official <em>identity</em> <em>theft</em> report be issued .i am also taking additional"]},"sort":[15.13272,"14995656"]},{"_index":"complaint-public-v1","_id":"15040379","_score":15.1306095,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"i am submitting this report to the ftc because i have been a victim of identity theft. one or more sccpounts have oppeared on my credit report that i do not recognize, did not authorize, and did not open.these accounts are negatively affecting my financial reputing, economic security, and my rights under the fair credit reporting act ( FCRA ). i request that this report be registered as part of a fraud investigation and that an official identity theft report be issued .i am also taking additional protective measured such as credit freezing and formal disputes.","date_sent_to_company":"2025-08-01T18:15:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07601","tags":null,"has_narrative":true,"complaint_id":"15040379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-01T18:12:20.000Z","state":"NJ","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 submitting this report to the ftc because i have been a victim of <em>identity</em> <em>theft</em>. one or <em>more</em> sccpounts have oppeared on my credit report that i do not recognize, did not authorize, and did not open.these accounts are negatively affecting my <em>financial</em> reputing, economic security, and my rights under the fair credit reporting act ( FCRA ). i request that this report be registered as part of a <em>fraud</em> investigation and that an official <em>identity</em> <em>theft</em> report be issued .i am also taking additional"]},"sort":[15.1306095,"15040379"]},{"_index":"complaint-public-v1","_id":"4113498","_score":14.98888,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For almost 4 years I have been complaining regarding a stolen XXXX card, theft, identity theft, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the fraud such as payment methods used by the thieves and phone conversations. Yesterday I received the attached response from Consumer Financial Protection Bureau stating the account was going to be finally re-investigated and may take up to 90 more days. ( 0 more days is more than 4 years after the fact. I request a speedy investigation by XXXX Experian XXXX XXXX. Per the FCRA, the validity, completeness and accurateness should have been accomplished long ago.","date_sent_to_company":"2021-02-03T16:11:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77494","tags":"Older American","has_narrative":true,"complaint_id":"4113498","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-02-03T16:11:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["For almost 4 years I have been complaining regarding a stolen XXXX card, <em>theft</em>, <em>identity</em> <em>theft</em>, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the <em>fraud</em> such as payment methods used by the thieves and phone conversations."],"sub_issue":["Investigation took <em>more</em> than 30 days"]},"sort":[14.98888,"4113498"]},{"_index":"complaint-public-v1","_id":"4113496","_score":14.958954,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For almost 4 years I have been complaining regarding a stolen discover card, theft, identity theft, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the fraud such as payment methods used by the thieves and phone conversations. Yesterday I received the attached response from Consumer Financial Protection Bureau stating the account was going to be finally re-investigated and may take up to 90 more days. ( 0 more days is more than 4 years after the fact. I request a speedy investigation by Discover, XXXX XXXX XXXX. Per the FCRA, the validity, completeness and accurateness should have been accomplished long ago.","date_sent_to_company":"2021-02-03T16:11:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77494","tags":"Older American","has_narrative":true,"complaint_id":"4113496","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2021-02-03T16:11:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["For almost 4 years I have been complaining regarding a stolen discover card, <em>theft</em>, <em>identity</em> <em>theft</em>, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the <em>fraud</em> such as payment methods used by the thieves and phone conversations."],"sub_issue":["Investigation took <em>more</em> than 30 days"]},"sort":[14.958954,"4113496"]},{"_index":"complaint-public-v1","_id":"4113490","_score":14.958954,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For almost 4 years I have been complaining regarding a stolen discover card, theft, identity theft, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the fraud such as payment methods used by the thieves and phone conversations. Yesterday I received the attached response from Consumer Financial Protection Bureau stating the account was going to be finally re-investigated and may take up to 90 more days. ( 0 more days is more than 4 years after the fact. I request a speedy investigation by XXXX, XXXX and Transunion. Per the FCRA, the validity, completeness and accurateness should have been accomplished long ago.","date_sent_to_company":"2021-02-03T16:11:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77494","tags":"Older American","has_narrative":true,"complaint_id":"4113490","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-03T15:57:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["For almost 4 years I have been complaining regarding a stolen discover card, <em>theft</em>, <em>identity</em> <em>theft</em>, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the <em>fraud</em> such as payment methods used by the thieves and phone conversations."],"sub_issue":["Investigation took <em>more</em> than 30 days"]},"sort":[14.958954,"4113490"]},{"_index":"complaint-public-v1","_id":"8270899","_score":14.783674,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian for numerous willful violations related to the reporting of hard inquiries on my credit report. The inaccuracies, unauthorized disclosures, and potential identity theft not only breach the Fair Credit Reporting Act ( FCRA ), Consumer Credit Protection Act ( CCPA ), and Privacy Act but also implicate more severe criminal activities such as identity theft and securities fraud. \n\nInaccurate Reporting of Hard Inquiries : Experian has inaccurately reported numerous hard inquiries on my credit report, leading to a poor FICO score. These inaccuracies and unauthorized disclosures of private information have made it challenging for me to apply for consumer credit, as many of these inquiries, often resulting in denials, do not belong on my report.\n\nViolations of FCRA, CCPA, and Privacy Act : The unauthorized reporting of hard inquiries constitutes clear violations of FCRA, CCPA, and the Privacy Act ( 15 USC 1681, 5 USC 552a ). The inclusion of inaccurate and unauthorized information on my credit report jeopardizes my financial standing and violates my rights as a consumer.\n\nIdentity Theft and Fraudulent Activities : The inclusion of unauthorized hard inquiries on my credit report may constitute identity theft, particularly if these inquiries were not initiated by me. Moreover, the potential fraudulent activities extend to the violation of XXXX XXXX, which relates to identity theft in Arizona. \nSecurities Fraud : Furthermore, the unauthorized use of my signed credit applications, even if denied, as a means to profit by selling personal information on the secondary market constitutes securities fraud. This is a serious offense, punishable by felony charges.\n\nI am deeply concerned about the potential harm these inaccuracies and unauthorized disclosures may have on my credit standing, and I believe the situation goes beyond simple reporting errors. Therefore, I request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take immediate actions to rectify the inaccuracies and address the potential identity theft and fraudulent activities. \n\nEnclosed with this letter, you will find supporting documentation, including proof of the inaccuracies, relevant legal provisions ( FCRA, CCPA, Privacy Act, XXXX XXXX ), and details about the potential identity theft and securities fraud. I trust that the Consumer Financial Protection Bureau will address this complaint expeditiously and ensure the accuracy and fairness of my credit report, as well as take appropriate actions to investigate potential criminal activities. \n\nThank you for your attention to this matter, and I look forward to a prompt resolution.","date_sent_to_company":"2024-02-02T06:18:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85044","tags":null,"has_narrative":true,"complaint_id":"8270899","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-02T06:12:24.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The inaccuracies, unauthorized disclosures, and potential <em>identity</em> <em>theft</em> not only breach the Fair Credit Reporting Act ( FCRA ), Consumer Credit Protection Act ( CCPA ), and Privacy Act but also implicate <em>more</em> severe criminal activities such as <em>identity</em> <em>theft</em> and securities <em>fraud</em>. \n\nInaccurate Reporting of Hard Inquiries : Experian has inaccurately reported numerous hard inquiries on my credit report, leading to a poor FICO score."]},"sort":[14.783674,"8270899"]},{"_index":"complaint-public-v1","_id":"11844016","_score":14.627764,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX data breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being. Please see my attached FTC Identity Theft Reports.","date_sent_to_company":"2025-01-30T06:23:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"11844016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-01-30T06:23:44.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have taken numerous steps to mitigate the damage, including validation, disputes and placing <em>fraud</em> alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with <em>financial</em> institutions to secure my accounts. However, despite my efforts to safeguard my <em>identity</em>, I remain deeply concerned about the long-term consequences of these breaches on my <em>financial</em> stability and personal well-being. Please see my attached FTC <em>Identity</em> <em>Theft</em> Reports."],"company":["Bread <em>Financial</em> Holdings, Inc."]},"sort":[14.627764,"11844016"]},{"_index":"complaint-public-v1","_id":"11844013","_score":14.6266165,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX XXXX breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being. Please see my attached FTC Identity Theft Reports.","date_sent_to_company":"2025-01-30T06:23:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"11844013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2025-01-30T06:23:44.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have taken numerous steps to mitigate the damage, including validation, disputes and placing <em>fraud</em> alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with <em>financial</em> institutions to secure my accounts. However, despite my efforts to safeguard my <em>identity</em>, I remain deeply concerned about the long-term consequences of these breaches on my <em>financial</em> stability and personal well-being. Please see my attached FTC <em>Identity</em> <em>Theft</em> Reports."]},"sort":[14.6266165,"11844013"]},{"_index":"complaint-public-v1","_id":"11837273","_score":14.6266165,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX XXXX  breach, which occurred in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being. Please see my attached FTC Identity Theft Reports.","date_sent_to_company":"2025-01-30T06:23:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"11837273","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-01-30T05:45:05.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have taken numerous steps to mitigate the damage, including validation, disputes and placing <em>fraud</em> alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with <em>financial</em> institutions to secure my accounts. However, despite my efforts to safeguard my <em>identity</em>, I remain deeply concerned about the long-term consequences of these breaches on my <em>financial</em> stability and personal well-being. Please see my attached FTC <em>Identity</em> <em>Theft</em> Reports."]},"sort":[14.6266165,"11837273"]},{"_index":"complaint-public-v1","_id":"17906121","_score":14.501495,"_source":{"product":"Student loan","complaint_what_happened":"Dear Consumer Financial Protection Bureau, Fraudulent loans total approximately {$10000.00} and were taken out in my name at XXXX XXXX XXXX in XXXX XXXX, a school known for high rates of ghost student financial aid fraud. I never applied for these loans, never attended this institution, and never created a financial aid account. The individual who committed the fraud used a false phone number and email, and Edfinancial did not require government-issued photo identification before disbursing the funds. I discovered the fraud only after my credit score dropped nearly 200 points, and all evidence supports that I am the victim of identity theft.\n\nI am writing to urgently request that the CFPB not close my complaint, as was done previously after Edfinancial stated they were investigating. Although they have claimed to be investigating for months, no resolution has been reached, and my credit continues to suffer serious harm. I can not take out any loans nor purchase a second home which I had intended to do because of my credit now.\n\nEdfinancial has already received extensive and higher-level identity verification from me, including : Two government-issued IDs ( drivers license and passport ) Undergraduate and graduate school records Physician Assistant licensure/certification Employer verification letter Graduate school yearbook photo Address verification Police report documenting the fraud Completed identity theft discharge application Copy of my signature Despite this, XXXX is now demanding both a XXXX school diploma, and a birth certificaterequests that are not only irrelevant, but highly concerning. \n\nSpecific Concern Regarding the Birth Certificate Request A birth certificate has no photo, no signature, and can not verify identity, making it unusable for fraud resolution. More importantly, in an identity theft case, requesting a birth certificate puts me at even greater risk, as it is one of the most sensitive pieces of personal information a victim can provide. Birth certificates are often used by fraudsters to commit further identity-related crimes. \n\nThis request is troubling, unnecessary, and inappropriateespecially when Edfinancial already has two forms of government-issued photo identification, far stronger and more secure than a birth certificate for identity confirmation.\n\nRequesting such sensitive documents in a fraud case raises serious concerns about whether Edfinancial understands or is appropriately handling identity theft matters. It also suggests an attempt to delay the process or create barriers rather than resolve the dispute responsibly. \n\nEdfinancial is also requesting a high school diploma despite the fact that I already provided verification of my college education, graduate degree, professional licensure, and employment. These unreasonable requests show a pattern of imposing excessive burdens on methe victimwhile failing to acknowledge their own failure to verify the identity of the fraudulent borrower at origination.\n\nThey did not require any government-issued photo ID, nor did they verify the fraudulent phone number or email address tied to the account.\n\nGiven these ongoing issues, I respectfully ask that the CFPB : Do not close this complaint based on Edfinancials generic statement that they are investigating.\n\nRequire Edfinancial to complete a proper, timely reinvestigation using the substantial documentation I have already provided.\n\nPrevent Edfinancial from demanding irrelevant or high-risk documentation, such as birth certificates, that could further jeopardize my identity.\n\nHold Edfinancial accountable for its failure to properly verify identity when the fraudulent loans were originated.\n\nEnsure the identity theft discharge process moves forward without further delay. \n\nThank you for your attention and continued oversight. Please let me know if any additional information is required.","date_sent_to_company":"2025-12-10T01:47:28.000Z","issue":"Getting a loan","sub_product":"Private student loan","zip_code":"92663","tags":null,"has_narrative":true,"complaint_id":"17906121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-12-10T01:26:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Loan opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["This request is troubling, unnecessary, and inappropriateespecially when Edfinancial already has two forms of government-issued photo identification, far stronger and <em>more</em> secure than a birth certificate for <em>identity</em> confirmation.\n\nRequesting such sensitive documents in a <em>fraud</em> case raises serious concerns about whether Edfinancial understands or is appropriately handling <em>identity</em> <em>theft</em> matters."],"company":["Ed<em>Financial</em> Services"]},"sort":[14.501495,"17906121"]},{"_index":"complaint-public-v1","_id":"2664944","_score":14.294253,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, 2017, Equifax reported a data breach that exposed customers ' most sensitive identity and personal financial information. Theft and misuse of this information exposes me to the grave potential now and in the future for stolen identity and financial issues, through no fault of my own actions and in direct consequence of Equifax 's failure in its duties to protect this information. \n\n\nUpon learning of this breach, I immediately went to Equifax 's \" Security 2017 '' website to see if my data was compromised, as per their guidance, and received a future enrollment date for their identity theft program, indicating my personal data was indeed compromised. The security of this website, by the way, does not ensure confidence that Equifax is attempting to better protect information any more than they did in the first place. \n\n\nI have currently placed fraud alerts with all three credit bureaus, placed a XXXX freeze, continue my regular practice of daily monitor checks of my bank and credit accounts, and am considering placing credit freezes.","date_sent_to_company":"2017-09-08T23:01:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29642","tags":null,"has_narrative":true,"complaint_id":"2664944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T21:29:41.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XXXX XXXX, 2017, Equifax reported a data breach that exposed customers ' most sensitive <em>identity</em> and personal <em>financial</em> information. <em>Theft</em> and misuse of this information exposes me to the grave potential now and in the future for stolen <em>identity</em> and <em>financial</em> issues, through no fault of my own actions and in direct consequence of Equifax 's failure in its duties to protect this information."]},"sort":[14.294253,"2664944"]},{"_index":"complaint-public-v1","_id":"8120669","_score":14.287208,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In early 2022 ( 2 years ago ) I had a wallet stolen with cards and IDs. I called up a company in XXXX, XXXX, XXXX, and XXXX to not only cancel the card, but also close out of my account completely since the company has awful customer service and support. The company ( XXXX ) did not cancel the stolen card, nor close my account. There inaction led to stolen identity and fraudulent charges on my card. For many more months through XXXX, XXXX, XXXX, XXXX of 2022 I continued to contact the company, and eventually their legal director told me that all the charges were reversed, the card and account was closed with no balance due. However, this was also a lie as charges continued to be made on the card. They now refuse to answer any calls or emails with my continued request to remove the account from my credit report since it was due to fraud. The next step I have taken involves CFPB, FTC, Federal Reserve, and other state and federal banking and financial regulators. They have reviewed the evidence and came to the clear conclusion that this was identity theft. \nI have provided all of this to Experian over the last year or more, via online report disputes and formal complaints, since this is a violation of the FCRA. They need to remove the account that was the result of fraud and identity theft according to that federal regulation, and have failed to do so.","date_sent_to_company":"2024-01-07T23:28:45.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"80207","tags":null,"has_narrative":true,"complaint_id":"8120669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-07T23:18:12.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["I have provided all of this to Experian over the last year or <em>more</em>, via online report disputes and formal complaints, since this is a violation of the FCRA. They need to remove the account that was the result of <em>fraud</em> and <em>identity</em> <em>theft</em> according to that federal regulation, and have failed to do so."],"issue":["Credit monitoring or <em>identity</em> <em>theft</em> protection services"]},"sort":[14.287208,"8120669"]},{"_index":"complaint-public-v1","_id":"11862956","_score":14.254024,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have found myself in as a victim of identity theft, which have left erroneous accounts and information on my Consumer Credit Report. Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX data breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being","date_sent_to_company":"2025-01-30T07:01:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"11862956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2025-01-30T07:01:29.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["These breaches have left me vulnerable to various forms of <em>identity</em> <em>theft</em>, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even <em>more</em> of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant <em>financial</em> and emotional distress."]},"sort":[14.254024,"11862956"]},{"_index":"complaint-public-v1","_id":"11849931","_score":14.254024,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have found myself in as a victim of identity theft, which have left erroneous accounts and information on my Consumer Credit Report. Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX XXXX breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being","date_sent_to_company":"2025-01-30T07:01:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"11849931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-01-30T06:26:29.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["These breaches have left me vulnerable to various forms of <em>identity</em> <em>theft</em>, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even <em>more</em> of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant <em>financial</em> and emotional distress."]},"sort":[14.254024,"11849931"]},{"_index":"complaint-public-v1","_id":"18997325","_score":14.245448,"_source":{"product":"Student loan","complaint_what_happened":"I am submitting this complaint regarding Aidvantages failure to properly investigate and resolve a fraudulent student loan account opened in my name as a result of identity theft. \nThe loan was issued by Aidvantage for enrollment at the XXXX  XXXX XXXX. Following a full investigation, the XXXX  XXXX XXXX formally confirmed in writing that the enrollment and loan were fraudulent and the result of identity theft. The University has advised that it has submitted all supporting documentation and its fraud determination to Aidvantage multiple times. \nI first became aware of the fraud when I began receiving calls from the XXXX  XXXX XXXX regarding enrollment. I later discovered a new loan added to my account dated XX/XX/XXXX, which I did not authorize. I immediately completed all fraud and identity theft documentation with the XXXX  XXXX XXXX and provided Aidvantage with the XXXX fraud confirmation letter, a police report, government identification, proof of address, signature samples, and all requested supporting documentation via fax and email on XX/XX/XXXX. Delivery was confirmed. \nDespite having full documentation confirming identity theft and fraud, Aidvantage has failed to conduct a proper and good faith investigation. Over the past six months, I have contacted Aidvantage more than ten times and have been repeatedly told that documentation was missing, despite confirmation from both Aidvantage representatives and the XXXX  XXXX XXXX that all required information was received. \nAidvantage has improperly closed and denied my fraud claim in bad faith and continues to send form denial letters requesting a Loan Discharge Application for Forgery that I already completed and submitted. There is no direct access to XXXX fraud department, and despite multiple requests for escalation and callbacks, no fraud representative has contacted me. \nI have not attended any university since XXXX. The XXXX XXXX XXXX has clearly confirmed that this loan resulted from identity theft and fraud. Aidvantages failure to properly investigate, correct the account, and resolve this fraudulent loan violates consumer protection standards and has caused ongoing financial harm and distress.","date_sent_to_company":"2026-01-26T04:16:37.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"33411","tags":null,"has_narrative":true,"complaint_id":"18997325","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2026-01-26T04:06:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["There is no direct access to XXXX <em>fraud</em> department, and despite multiple requests for escalation and callbacks, no <em>fraud</em> representative has contacted me. \nI have not attended any university since XXXX. The XXXX XXXX XXXX has clearly confirmed that this loan resulted from <em>identity</em> <em>theft</em> and <em>fraud</em>. Aidvantages failure to properly investigate, correct the account, and resolve this fraudulent loan violates consumer protection standards and has caused ongoing <em>financial</em> harm and distress."]},"sort":[14.245448,"18997325"]},{"_index":"complaint-public-v1","_id":"11862958","_score":14.225066,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have found myself in as a victim of identity theft, which have left erroneous accounts and information on my Consumer Credit Report. Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX data breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being","date_sent_to_company":"2025-01-30T07:01:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"11862958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-01-30T07:01:29.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have found myself in as a victim of <em>identity</em> <em>theft</em>, which have left erroneous accounts and information on my Consumer Credit Report. Over the past 7 years or <em>more</em>, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the dark web."]},"sort":[14.225066,"11862958"]},{"_index":"complaint-public-v1","_id":"15438954","_score":14.21907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing this complaint with absolute certainty and deep frustration. My credit report continues to show errors, with this fraudulent account that I have never been associated with. Even more troubling is that this was previously deleted after being disputed, yet it have resurfaced again, which clearly points to serious mishandling and raises red flags about fraud and identity theft. These recurring inaccuracies are not only damaging my credit score but are also preventing me from achieving financial stability and peace of mind.","date_sent_to_company":"2025-08-21T18:03:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91606","tags":null,"has_narrative":true,"complaint_id":"15438954","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-21T17:39:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Even <em>more</em> troubling is that this was previously deleted after being disputed, yet it have resurfaced again, which clearly points to serious mishandling and raises red flags about <em>fraud</em> and <em>identity</em> <em>theft</em>. These recurring inaccuracies are not only damaging my credit score but are also preventing me from achieving <em>financial</em> stability and peace of mind."]},"sort":[14.21907,"15438954"]},{"_index":"complaint-public-v1","_id":"15438360","_score":14.21907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing this complaint with absolute certainty and deep frustration. My credit report continues to show errors, with this fraudulent account that I have never been associated with. Even more troubling is that this was previously deleted after being disputed, yet it have resurfaced again, which clearly points to serious mishandling and raises red flags about fraud and identity theft. These recurring inaccuracies are not only damaging my credit score but are also preventing me from achieving financial stability and peace of mind.","date_sent_to_company":"2025-08-21T18:03:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91606","tags":null,"has_narrative":true,"complaint_id":"15438360","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-21T17:39:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Even <em>more</em> troubling is that this was previously deleted after being disputed, yet it have resurfaced again, which clearly points to serious mishandling and raises red flags about <em>fraud</em> and <em>identity</em> <em>theft</em>. These recurring inaccuracies are not only damaging my credit score but are also preventing me from achieving <em>financial</em> stability and peace of mind."]},"sort":[14.21907,"15438360"]},{"_index":"complaint-public-v1","_id":"10238212","_score":14.153324,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hi i noticed there was a hard inquiry on my credit from OneMain financial on XX/XX/year>. I spoke with a customer service representative from OneMain financial institution on XX/XX/year>. They were able to confirm a application for a loan was applied under my social security number at a OneMain location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The representative stated she will mark the application as fraud. she told me that the application didn't go through. I'm more concerned about the identity theft and the hard inquiry that impacted my credit.","date_sent_to_company":"2024-09-25T22:35:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"10238212","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2024-09-25T21:51:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I'm <em>more</em> concerned about the <em>identity</em> <em>theft</em> and the hard inquiry that impacted my credit."]},"sort":[14.153324,"10238212"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3552,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3552}]}},"product":{"doc_count":3552,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2121,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2106},{"key":"Other personal consumer report","doc_count":15}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":503,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":492},{"key":"Other personal consumer report","doc_count":10},{"key":"Credit repair services","doc_count":1}]}},{"key":"Debt 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