{"took":276,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5221,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13960366","_score":23.995213,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. \n\nDespite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. \n\nAs a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. \n\nAccountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. \n\nFinancial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face. \n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. \n\nI will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. \n\nThis breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response.","date_sent_to_company":"2025-06-08T16:12:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"13960366","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-08T16:11:42.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Accountability from the entity responsible for this <em>breach</em>, with clear steps outlined on how they will rectify the damage. \n\nFinancial <em>protection</em> and recourse, <em>including</em> credit monitoring, <em>identity</em> <em>theft</em> <em>protection</em>, and any necessary compensation for the risks I now face. \n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer <em>data</em> face the appropriate consequences. \n\nI will not tolerate vague responses or empty assurances."]},"sort":[23.995213,"13960366"]},{"_index":"complaint-public-v1","_id":"13960740","_score":23.987276,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. \n\nDespite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. \n\nAs a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. \n\nAccountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. \n\nFinancial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face. \n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. \n\nI will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. \n\nThis breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response.","date_sent_to_company":"2025-06-08T16:12:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"13960740","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-08T16:04:45.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Accountability from the entity responsible for this <em>breach</em>, with clear steps outlined on how they will rectify the damage. \n\nFinancial <em>protection</em> and recourse, <em>including</em> credit monitoring, <em>identity</em> <em>theft</em> <em>protection</em>, and any necessary compensation for the risks I now face. \n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer <em>data</em> face the appropriate consequences. \n\nI will not tolerate vague responses or empty assurances."]},"sort":[23.987276,"13960740"]},{"_index":"complaint-public-v1","_id":"13960365","_score":23.965416,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. \n\nDespite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. \n\nAs a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. \n\nAccountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. \n\nFinancial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face. \n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. \n\nI will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. \n\nThis breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response.","date_sent_to_company":"2025-06-08T16:12:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"13960365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-08T16:11:42.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Accountability from the entity responsible for this <em>breach</em>, with clear steps outlined on how they will rectify the damage. \n\nFinancial <em>protection</em> and recourse, <em>including</em> credit monitoring, <em>identity</em> <em>theft</em> <em>protection</em>, and any necessary compensation for the risks I now face. \n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer <em>data</em> face the appropriate consequences. \n\nI will not tolerate vague responses or empty assurances."]},"sort":[23.965416,"13960365"]},{"_index":"complaint-public-v1","_id":"12325691","_score":23.965416,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. \n\nDespite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. \n\nAs a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed.\n\nAccountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage.\n\nFinancial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences.\n\nI will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies.\n\nThis breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response","date_sent_to_company":"2025-03-05T20:27:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29203","tags":null,"has_narrative":true,"complaint_id":"12325691","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-05T20:20:09.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Accountability from the entity responsible for this <em>breach</em>, with clear steps outlined on how they will rectify the damage.\n\nFinancial <em>protection</em> and recourse, <em>including</em> credit monitoring, <em>identity</em> <em>theft</em> <em>protection</em>, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer <em>data</em> face the appropriate consequences.\n\nI will not tolerate vague responses or empty assurances."]},"sort":[23.965416,"12325691"]},{"_index":"complaint-public-v1","_id":"12339251","_score":23.958683,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. \n\nDespite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. \n\nAs a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. \nAccountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. \nFinancial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. \nI will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. \n\nThis breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response.","date_sent_to_company":"2025-03-06T01:54:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28262","tags":null,"has_narrative":true,"complaint_id":"12339251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-06T01:13:07.000Z","state":"NC","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":["Accountability from the entity responsible for this <em>breach</em>, with clear steps outlined on how they will rectify the damage. \nFinancial <em>protection</em> and recourse, <em>including</em> credit monitoring, <em>identity</em> <em>theft</em> <em>protection</em>, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer <em>data</em> face the appropriate consequences. \nI will not tolerate vague responses or empty assurances."]},"sort":[23.958683,"12339251"]},{"_index":"complaint-public-v1","_id":"12338536","_score":23.958683,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. \n\nDespite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. \n\nAs a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. \nAccountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. \nFinancial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. \nI will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. \n\nThis breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response.","date_sent_to_company":"2025-03-06T01:54:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28262","tags":null,"has_narrative":true,"complaint_id":"12338536","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-06T01:54:17.000Z","state":"NC","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":["Accountability from the entity responsible for this <em>breach</em>, with clear steps outlined on how they will rectify the damage. \nFinancial <em>protection</em> and recourse, <em>including</em> credit monitoring, <em>identity</em> <em>theft</em> <em>protection</em>, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer <em>data</em> face the appropriate consequences. \nI will not tolerate vague responses or empty assurances."]},"sort":[23.958683,"12338536"]},{"_index":"complaint-public-v1","_id":"12340371","_score":23.95241,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. \n\nDespite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. \n\nAs a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed.\n\nAccountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage.\n\nFinancial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences.\n\nI will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies.\n\nThis breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response","date_sent_to_company":"2025-03-05T20:27:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29203","tags":null,"has_narrative":true,"complaint_id":"12340371","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-05T20:26:51.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Accountability from the entity responsible for this <em>breach</em>, with clear steps outlined on how they will rectify the damage.\n\nFinancial <em>protection</em> and recourse, <em>including</em> credit monitoring, <em>identity</em> <em>theft</em> <em>protection</em>, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer <em>data</em> face the appropriate consequences.\n\nI will not tolerate vague responses or empty assurances."]},"sort":[23.95241,"12340371"]},{"_index":"complaint-public-v1","_id":"12338537","_score":23.95241,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. \n\nDespite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. \n\nAs a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. \nAccountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. \nFinancial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. \nI will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. \n\nThis breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response.","date_sent_to_company":"2025-03-06T01:54:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28262","tags":null,"has_narrative":true,"complaint_id":"12338537","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-06T01:54:17.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Accountability from the entity responsible for this <em>breach</em>, with clear steps outlined on how they will rectify the damage. \nFinancial <em>protection</em> and recourse, <em>including</em> credit monitoring, <em>identity</em> <em>theft</em> <em>protection</em>, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer <em>data</em> face the appropriate consequences. \nI will not tolerate vague responses or empty assurances."]},"sort":[23.95241,"12338537"]},{"_index":"complaint-public-v1","_id":"12326720","_score":23.95241,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. \n\nDespite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. \n\nAs a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed.\n\nAccountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage.\n\nFinancial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences.\n\nI will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies.\n\nThis breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response","date_sent_to_company":"2025-03-05T20:27:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29203","tags":null,"has_narrative":true,"complaint_id":"12326720","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-05T20:26:51.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Accountability from the entity responsible for this <em>breach</em>, with clear steps outlined on how they will rectify the damage.\n\nFinancial <em>protection</em> and recourse, <em>including</em> credit monitoring, <em>identity</em> <em>theft</em> <em>protection</em>, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer <em>data</em> face the appropriate consequences.\n\nI will not tolerate vague responses or empty assurances."]},"sort":[23.95241,"12326720"]},{"_index":"complaint-public-v1","_id":"14917623","_score":23.82219,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding Consumer Rights Violations by XXXX, Including Identity Theft and XXXX  XXXX  Data Breach Impact Description of the Issue : I am filing this formal complaint to report serious violations of my consumer rights by XXXX, as well as ongoing consequences stemming from the XXXX  XXXX  data breach, which exposed my sensitive personal information to XXXX XXXX XXXX \n\n\n\nXXXX. XXXX  Violation : XXXX  has reported inaccurate, outdated, and possibly fraudulent information in my credit report, and has failed to fulfill its responsibilities to : Adequately investigate my disputes and correct or remove the information as required under the FCRA. \n\n\nProperly respond to my identity theft report, including accounts or inquiries I did not authorize. \n\n\nProvide detailed documentation or a valid source of verification for the disputed entries. \n\n\nProvide necessary fraud protection or security freezes after being informed of identity theft concerns. \n\n\nXXXXXXXX XXXX  continued reporting of inaccurate and harmful dataespecially in light of my identity theft claimsdemonstrates potential willful noncompliance with federal consumer protection laws. \n\nXXXX. Impact of the XXXX  Equifax Data Breach : My personal information, including my Social Security number, was exposed during the massive XXXX  data breach in XXXX. This breach placed me at ongoing risk of identity theft and directly contributed to the fraudulent activity appearing on my XXXX  reports. \nDespite being aware of the breach and its risks, neither XXXX  nor XXXX  took appropriate steps to ensure the integrity of my data or to protect me from identity theft-related reporting errors. \n\nXXXX and XXXX XXXX : These violations have caused : Denial of financial services, such as opening bank accounts or securing credit. \n\n\nEmotional distress due to the handling of sensitive and fraudulent data. \n\n\nOngoing consequences related to identity theft and breach-related data misuse. \n\n\nI am requesting : XXXX reinvestigation and removal of all inaccurate, unverifiable, and fraudulent items from my XXXX  reports. \n\n\nFull documentation of any information used to verify disputed entries. \n\n\nStronger identity theft protections, such as security freezes or fraud alerts applied across bureaus. \n\n\nWritten confirmation of all actions taken to correct my consumer file. \n\n\nConsideration of restitution for the harm done due to mishandling of my personal data and failure to follow FCRA obligations. \n\n\nPlease consider this a formal dispute and notice of consumer harm. I request this matter be resolved promptly and in compliance with applicable federal and state laws. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel if necessary.","date_sent_to_company":"2025-07-29T00:51:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"301XX","tags":null,"has_narrative":true,"complaint_id":"14917623","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ava Finance, Inc","date_received":"2025-07-29T00:51:16.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXXXXXX XXXX  continued reporting of inaccurate and harmful dataespecially in light of my <em>identity</em> <em>theft</em> claimsdemonstrates potential willful noncompliance with federal consumer <em>protection</em> laws. \n\nXXXX. Impact of the XXXX  Equifax <em>Data</em> <em>Breach</em> : My personal information, <em>including</em> my Social Security number, was exposed during the massive XXXX  <em>data</em> <em>breach</em> in XXXX."]},"sort":[23.82219,"14917623"]},{"_index":"complaint-public-v1","_id":"14777604","_score":23.338161,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : Request for Deletion of Negative Items Due to Data Breach FCRA & Georgia State Law Compliance To Whom It May Concern, I am writing to formally request the immediate deletion of any negative items from my credit report that are related to the Equifax data breach that occurred or any subsequent unauthorized access to my personal and financial information. The inclusion of these negative items, appears to be a direct result of the breach, and I request that they be removed promptly. \n\nAs a resident of Georgia, I am entitled to protections under the Fair Credit Reporting Act ( FCRA ), Georgia 's Fair Lending Act, and Georgia Identity Theft Protection Act, all of which mandate that consumer reporting agencies take appropriate actions in cases of identity theft, fraud, or data breaches. These protections include, but are not limited to : 1. FCRA Section 605B : This section allows consumers to request the deletion of fraudulent information on their credit reports that results from identity theft. As the data breach directly impacted my personal data, I am exercising my rights under this section.\n\n2. Georgia Fair Lending Act ( O.C.G.A. 7-6-26 ) : This law provides consumers in Georgia with the ability to dispute and remove credit reporting errors, especially those that arise from fraud or identity theft.\n\n3. Georgia Identity Theft Protection Act ( O.C.G.A. 10-1-393.8 ) : This statute requires businesses to provide clear remedies for consumers affected by identity theft, including the removal of incorrect or fraudulent information from credit reports. \n\nFurther, I am also invoking my rights under the Consumer Financial Protection Bureau ( CFPB ), which enforces rules regarding credit reporting and data breach protections. As per CFPB guidelines, consumers who are victims of data breaches or identity theft should be given the opportunity to dispute and delete inaccurate items promptly.\n\nGiven that the negative items on my report are likely related to the data breach or unauthorized access of my personal information, I am requesting the following : 1. A thorough investigation of all negative items listed on my credit report that are related to the breach.\n\n2. Immediate deletion of all items that were caused or influenced by identity theft or unauthorized use of my personal data. \nXXXX. Confirmation in writing that these items have been deleted and that my credit report has been corrected. \n\nYou are required to act on this request in accordance with both state and federal law. I am providing a strict deadline of XXXX business days from the date of this letter for resolution. If I do not receive a satisfactory response or confirmation within that time, I will be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office for violation of the FCRA, Georgia Identity Theft Protection Act, and Georgia Fair Lending Act. \n\nPlease consider this a formal demand for the immediate resolution of this issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-21T14:50:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"14777604","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-21T14:44:14.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Georgia <em>Identity</em> <em>Theft</em> <em>Protection</em> Act ( O.C.G.A. 10-1-393.8 ) : This statute requires businesses to provide clear remedies for consumers affected by <em>identity</em> <em>theft</em>, <em>including</em> the removal of incorrect or fraudulent information from credit reports. \n\nFurther, I am also invoking my rights under the Consumer Financial <em>Protection</em> Bureau ( CFPB ), which enforces rules regarding credit reporting and <em>data</em> <em>breach</em> <em>protections</em>."]},"sort":[23.338161,"14777604"]},{"_index":"complaint-public-v1","_id":"8247397","_score":23.156258,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the Equifax data breach that occurred in XXXX. I recently discovered that my personal information was compromised during this incident, and I am deeply concerned about the potential consequences and risks associated with the unauthorized access to my sensitive data. \n\nDetails of the Data Breach : Date of Discovery : I became aware of the Equifax data breach 's impact on my personal information on XX/XX/XXXX. \nPersonal Information Compromised : The breach has exposed my sensitive personal information, including my name, Social Security number, birthdate, address, and, in some cases, driver 's license number. \nLack of Security Measures : It has come to my attention that Equifax failed to implement adequate security measures, allowing unauthorized access to a vast amount of personal data. This negligence raises serious concerns about the protection of consumer information. \nImpact and Potential Consequences : Identity Theft Risk : The compromised data puts me at an increased risk of identity theft, as it includes crucial information that can be exploited by malicious actors. \nFinancial Security Concerns : The breach may have severe implications for my financial security, as unauthorized access to my personal information could lead to fraudulent activities, unauthorized access to financial accounts, and other potentially harmful actions. \nRequest for Investigation and Remediation : Investigation : I request the Consumer Financial Protection Bureau to conduct a thorough investigation into Equifax 's handling of the data breach, including an assessment of their security protocols, response mechanisms, and measures taken to prevent such incidents. \nAccountability : Equifax should be held accountable for any negligence that led to the data breach and subsequent exposure of consumer information. I urge the CFPB to ensure that appropriate actions are taken to address any shortcomings in Equifax 's data protection practices. \nRemediation : As a consumer affected by the data breach, I seek assurance that Equifax will take necessary steps to mitigate the potential risks and provide adequate remediation measures, such as credit monitoring services and identity theft protection. \nI appreciate the Consumer Financial Protection Bureau 's dedication to safeguarding consumer interests, and I trust that your investigation will help address the concerns raised by the Equifax data breach. Please keep me informed of any developments regarding this matter. \n\nThank you for your attention to this serious issue.","date_sent_to_company":"2024-01-29T14:20:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"421XX","tags":null,"has_narrative":true,"complaint_id":"8247397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-29T13:46:47.000Z","state":"KY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I urge the CFPB to ensure that appropriate actions are taken to address any shortcomings in Equifax 's <em>data</em> <em>protection</em> practices. \nRemediation : As a consumer affected by the <em>data</em> <em>breach</em>, I seek assurance that Equifax will take necessary steps to mitigate the potential risks and provide adequate remediation measures, such as credit monitoring services and <em>identity</em> <em>theft</em> <em>protection</em>."]},"sort":[23.156258,"8247397"]},{"_index":"complaint-public-v1","_id":"12908764","_score":23.122402,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. \n\nDespite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. \n\nAs a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. \n\nAccountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. \n\nFinancial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. \n\nI will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. \n\nThis breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response. I require a written reply within reasonable detailing the steps being taken to address this matter. \n\nFailure to act will only reinforce the need for stronger regulatory oversight and legal consequences for those who fail to protect consumers. I urge you to take this matter as seriously as I do and respond accordingly.","date_sent_to_company":"2025-04-10T00:55:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29223","tags":null,"has_narrative":true,"complaint_id":"12908764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-10T00:55:06.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Accountability from the entity responsible for this <em>breach</em>, with clear steps outlined on how they will rectify the damage. \n\nFinancial <em>protection</em> and recourse, <em>including</em> credit monitoring, <em>identity</em> <em>theft</em> <em>protection</em>, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer <em>data</em> face the appropriate consequences. \n\nI will not tolerate vague responses or empty assurances."]},"sort":[23.122402,"12908764"]},{"_index":"complaint-public-v1","_id":"12901464","_score":23.090195,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. \n\nDespite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. \n\nAs a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. \n\nAccountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. \n\nFinancial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. \n\nI will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. \n\nThis breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response. I require a written reply within reasonable detailing the steps being taken to address this matter. \n\nFailure to act will only reinforce the need for stronger regulatory oversight and legal consequences for those who fail to protect consumers. I urge you to take this matter as seriously as I do and respond accordingly.","date_sent_to_company":"2025-04-10T00:55:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29223","tags":null,"has_narrative":true,"complaint_id":"12901464","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-10T00:44:37.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Accountability from the entity responsible for this <em>breach</em>, with clear steps outlined on how they will rectify the damage. \n\nFinancial <em>protection</em> and recourse, <em>including</em> credit monitoring, <em>identity</em> <em>theft</em> <em>protection</em>, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer <em>data</em> face the appropriate consequences. \n\nI will not tolerate vague responses or empty assurances."]},"sort":[23.090195,"12901464"]},{"_index":"complaint-public-v1","_id":"13793812","_score":23.082357,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally express my concern and dissatisfaction regarding the Equifax data breach that occurred in XXXX which compromised the personal information of over 147 million individuals, including myself. \n\nEquifax, as a credit reporting agency, holds a significant amount of sensitive personal and financial data, including Social Security numbers, birthdates, and credit history. The failure to adequately protect this data, and the delay in notifying affected individuals, is a serious violation of consumer trust and data protection responsibility. The account needs to be deleted from my report reporting XXXX dollars. according to the FCRA 15. U.S.C 1692 ( C ) this account needs to be removed at once.\n\nDespite the breach having occurred several years ago, its consequences continue to affect consumers like me. The exposure of such personal information increases the risk of identity theft and financial fraud, and Equifax has not provided sufficient long-term support or compensation for those affected. \n\nI am particularly concerned about the following : Lack of adequate cybersecurity protections that led to the breach. \n\nDelayed notification to consumers about the exposure of their data. \n\nInsufficient remediation, such as limited-time credit monitoring instead of long-term identity protection. \n\nLack of transparency and accountability regarding the breach 's full scope and aftermath. \n\nI urge your office to hold Equifax accountable and ensure that measures are taken to protect consumer data more effectively in the future. I also request that Equifax offer extended identity theft protection to affected individuals at no cost, given the long-term nature of the risk. \n\nThank you for your attention to this matter. I look forward to your response and action","date_sent_to_company":"2025-05-29T09:28:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"53225","tags":null,"has_narrative":true,"complaint_id":"13793812","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-29T09:23:18.000Z","state":"WI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The exposure of such personal information increases the risk of <em>identity</em> <em>theft</em> and financial fraud, and Equifax has not provided sufficient long-term support or compensation for those affected. \n\nI am particularly concerned about the following : Lack of adequate cybersecurity <em>protections</em> that led to the <em>breach</em>. \n\nDelayed notification to consumers about the exposure of their <em>data</em>. \n\nInsufficient remediation, such as limited-time credit monitoring instead of long-term <em>identity</em> <em>protection</em>."]},"sort":[23.082357,"13793812"]},{"_index":"complaint-public-v1","_id":"12908793","_score":23.081408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. \n\nDespite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. \n\nAs a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. \n\nAccountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. \n\nFinancial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. \n\nI will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. \n\nThis breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response. I require a written reply within reasonable detailing the steps being taken to address this matter. \n\nFailure to act will only reinforce the need for stronger regulatory oversight and legal consequences for those who fail to protect consumers. I urge you to take this matter as seriously as I do and respond accordingly.","date_sent_to_company":"2025-04-10T00:55:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29223","tags":null,"has_narrative":true,"complaint_id":"12908793","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-10T00:55:06.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Accountability from the entity responsible for this <em>breach</em>, with clear steps outlined on how they will rectify the damage. \n\nFinancial <em>protection</em> and recourse, <em>including</em> credit monitoring, <em>identity</em> <em>theft</em> <em>protection</em>, and any necessary compensation for the risks I now face.\n\nRegulatory enforcement, ensuring that those responsible for this gross mishandling of consumer <em>data</em> face the appropriate consequences. \n\nI will not tolerate vague responses or empty assurances."]},"sort":[23.081408,"12908793"]},{"_index":"complaint-public-v1","_id":"11220363","_score":22.933443,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/2024, I was informed of a data breach involving XXXX XXXX XXXX XXXX XXXX ), a data broker specializing in background checks. This breach exposed approximately XXXX XXXX records, including Social Security numbers, names, addresses, and dates of birth. I am concerned because this breach may have compromised my personal information. As a result, I have taken steps to monitor my credit and secure my financial accounts, but I remain at risk of identity theft or fraud. I would like the CFPB to ensure that affected individuals are provided proper support, including identity protection services, and that the responsible organization is held accountable for safeguarding sensitive data.","date_sent_to_company":"2024-12-19T23:51:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"40219","tags":null,"has_narrative":true,"complaint_id":"11220363","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-19T23:14:45.000Z","state":"KY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I would like the CFPB to ensure that affected individuals are provided proper support, <em>including</em> <em>identity</em> <em>protection</em> services, and that the responsible organization is held accountable for safeguarding sensitive <em>data</em>."]},"sort":[22.933443,"11220363"]},{"_index":"complaint-public-v1","_id":"11586574","_score":22.739864,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Equifax Data Breach Dear Sir/Madam, I am writing to file a formal complaint regarding the data breach that occurred at Equifax, which exposed my personal and sensitive information, including but not limited to my Social Security number, birthdate, and financial data. I believe this breach is a violation of the Fair Credit Reporting Act ( FCRA ), the Identity Theft Enforcement and Restitution Act, and other applicable consumer protection laws. \n\nIncident Summary : In XXXX XXXX, Equifax experienced a major data breach that compromised the personal information of millions of individuals, including mine. I discovered that my personal data was affected either through notification from Equifax or by checking the website Equifax created for affected consumers. The breach has caused significant distress, and I am deeply concerned about the potential for identity theft, fraud, and the long-term impact on my financial security. \n\nDespite efforts to protect myself ( e.g., credit monitoring services, fraud alerts, and security freezes ), I believe that the breach 's impact on my privacy and financial well-being is severe and ongoing. \n\nDetails of My Experience : Impact on My XXXXredit/Financial Security : Unauthorized credit accounts, credit score changes, or other financial consequences.\n\nSteps Taken to Protect Myself : Fraud alert/credit freeze, and enrolling in credit monitoring services. ] Desired Resolution : Given the serious nature of the breach, I am seeking assistance from the CFPB to ensure that Equifax provides appropriate remedies. I request the following : Clear Communication : Ensure that Equifax provides clear and ongoing communication to consumers affected by the breach regarding steps they are taking to rectify the situation.\n\nAppropriate Remediation : Ensure that Equifax offers compensation for the harm caused, including credit monitoring, identity theft protection, and other forms of assistance.\n\nAccountability and Oversight : Advocate for stricter consumer protections, more rigorous safeguards for personal data, and accountability for Equifax regarding their handling of this breach. \nAssistance in Resolving Any Negative Impact on My Credit/Financial Status : Help me address any negative financial or credit consequences stemming from the breach. \nI appreciate your attention to this serious matter and hope to receive a prompt resolution to my complaint. \n\nThank you for your time and assistance.","date_sent_to_company":"2025-01-21T17:49:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"11586574","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-21T17:33:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Appropriate Remediation : Ensure that Equifax offers compensation for the harm caused, <em>including</em> credit monitoring, <em>identity</em> <em>theft</em> <em>protection</em>, and other forms of assistance.\n\nAccountability and Oversight : Advocate for stricter consumer <em>protections</em>, more rigorous safeguards for personal <em>data</em>, and accountability for Equifax regarding their handling of this <em>breach</em>."]},"sort":[22.739864,"11586574"]},{"_index":"complaint-public-v1","_id":"11216985","_score":22.73821,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/year>, I was informed of a data breach involving XXXX XXXX XXXX XXXX XXXX ), a data broker specializing in background checks. This breach exposed approximately 2.9 billion records, including Social Security numbers, names, addresses, and dates of birth. I am concerned because this breach may have compromised my personal information. As a result, I have taken steps to monitor my credit and secure my financial accounts, but I remain at risk of identity theft or fraud. I would like the CFPB to ensure that affected individuals are provided proper support, including identity protection services, and that the responsible organization is held accountable for safeguarding sensitive data.","date_sent_to_company":"2024-12-19T23:51:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"40219","tags":null,"has_narrative":true,"complaint_id":"11216985","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-19T23:51:17.000Z","state":"KY","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 would like the CFPB to ensure that affected individuals are provided proper support, <em>including</em> <em>identity</em> <em>protection</em> services, and that the responsible organization is held accountable for safeguarding sensitive <em>data</em>."]},"sort":[22.73821,"11216985"]},{"_index":"complaint-public-v1","_id":"11222424","_score":22.735922,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/year>, I was informed of a data breach involving XXXX XXXX XXXX XXXX XXXX ), a data broker specializing in background checks. This breach exposed approximately 2.9 billion records, including Social Security numbers, names, addresses, and dates of birth. I am concerned because this breach may have compromised my personal information. As a result, I have taken steps to monitor my credit and secure my financial accounts, but I remain at risk of identity theft or fraud. I would like the CFPB to ensure that affected individuals are provided proper support, including identity protection services, and that the responsible organization is held accountable for safeguarding sensitive data.","date_sent_to_company":"2024-12-19T23:51:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"40219","tags":null,"has_narrative":true,"complaint_id":"11222424","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-19T23:51:17.000Z","state":"KY","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 would like the CFPB to ensure that affected individuals are provided proper support, <em>including</em> <em>identity</em> <em>protection</em> services, and that the responsible organization is held accountable for safeguarding sensitive <em>data</em>."]},"sort":[22.735922,"11222424"]},{"_index":"complaint-public-v1","_id":"16372797","_score":22.703253,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Collection Account Request for Immediate Removal Dear CFPB / Credit Bureau, I am writing to formally dispute the unauthorized exposure of my personal data, which has compromised sensitive information, including Social Security numbers, financial records, and personal identifiers. This breach represents an egregious violation of multiple consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) Failure to safeguard consumer data from unauthorized access and identity theft. \n\nGramm-Leach-Bliley Act ( GLBA ) Negligence in securing financial and personal information. \n\nFederal Trade Commission Act ( FTC Act ) Unfair and deceptive practices leading to consumer harm.\n\nIdentity Theft and Assumption Deterrence Act Exposure of personal identifiers increases fraud risk. \n\nGiven the severity of this breach and its direct impact on my financial security, I demand the following IMMEDIATE actions : Written confirmation of whether my personal data was compromised and where it has been exposed. \n\nDetailed explanation of security failures, including preventive measures taken post-breach. \n\nIf you could remove my personal data from any unauthorized databases, it would be a good idea to stop further exploitation. \n\nProvision of identity theft protection services at no cost to me. \n\nMonetary compensation for damages and security failures impacting my personal information.\n\nFailure to respond and take corrective action within 30 days may result in legal action, including the filing of formal complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state attorney general offices, and relevant financial regulatory agencies.\n\nAccount Name : XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-10-06T00:24:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30144","tags":"Servicemember","has_narrative":true,"complaint_id":"16372797","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-06T00:19:38.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>breach</em> represents an egregious violation of multiple consumer <em>protection</em> laws, <em>including</em> : Fair Credit Reporting Act ( FCRA ) Failure to safeguard consumer <em>data</em> from unauthorized access and <em>identity</em> <em>theft</em>. \n\nGramm-Leach-Bliley Act ( GLBA ) Negligence in securing financial and personal information. \n\nFederal Trade Commission Act ( FTC Act ) Unfair and deceptive practices leading to consumer harm."]},"sort":[22.703253,"16372797"]},{"_index":"complaint-public-v1","_id":"16371923","_score":22.702766,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Collection Account Request for Immediate Removal Dear CFPB / Credit Bureau, I am writing to formally dispute the unauthorized exposure of my personal data, which has compromised sensitive information, including Social Security numbers, financial records, and personal identifiers. This breach represents an egregious violation of multiple consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) Failure to safeguard consumer data from unauthorized access and identity theft.\n\nGramm-Leach-Bliley Act ( GLBA ) Negligence in securing financial and personal information.\n\nFederal Trade Commission Act ( FTC Act ) Unfair and deceptive practices leading to consumer harm.\n\nIdentity Theft and Assumption Deterrence Act Exposure of personal identifiers increases fraud risk. \n\nGiven the severity of this breach and its direct impact on my financial security, I demand the following IMMEDIATE actions : Written confirmation of whether my personal data was compromised and where it has been exposed. \nDetailed explanation of security failures, including preventive measures taken post-breach.\n\nImmediate removal of my personal data from any unauthorized databases, preventing further exploitation.\n\nProvision of identity theft protection services at no cost to me.\n\nMonetary compensation for damages and security failures impacting my personal information. Failure to respond and take corrective action wit\nhin 30 days may result in legal action, including the filing of formal complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state attorney general offices, and relevant financial regulatory agencies. \n\n\n\nAccount Name : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-10-06T00:19:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30144","tags":"Servicemember","has_narrative":true,"complaint_id":"16371923","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-10-06T00:18:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>breach</em> represents an egregious violation of multiple consumer <em>protection</em> laws, <em>including</em> : Fair Credit Reporting Act ( FCRA ) Failure to safeguard consumer <em>data</em> from unauthorized access and <em>identity</em> <em>theft</em>.\n\nGramm-Leach-Bliley Act ( GLBA ) Negligence in securing financial and personal information.\n\nFederal Trade Commission Act ( FTC Act ) Unfair and deceptive practices leading to consumer harm."]},"sort":[22.702766,"16371923"]},{"_index":"complaint-public-v1","_id":"16373220","_score":22.692505,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Collection Account Request for Immediate Removal Dear CFPB / Credit Bureau, I am writing to formally dispute the unauthorized exposure of my personal data, which has compromised sensitive information, including Social Security numbers, financial records, and personal identifiers. This breach represents an egregious violation of multiple consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) Failure to safeguard consumer data from unauthorized access and identity theft. \n\nGramm-Leach-Bliley Act ( GLBA ) Negligence in securing financial and personal information. \n\nFederal Trade Commission Act ( FTC Act ) Unfair and deceptive practices leading to consumer harm.\n\nIdentity Theft and Assumption Deterrence Act Exposure of personal identifiers increases fraud risk. \n\nGiven the severity of this breach and its direct impact on my financial security, I demand the following IMMEDIATE actions : Written confirmation of whether my personal data was compromised and where it has been exposed. \n\nDetailed explanation of security failures, including preventive measures taken post-breach. \n\nIf you could remove my personal data from any unauthorized databases, it would be a good idea to stop further exploitation. \n\nProvision of identity theft protection services at no cost to me. \n\nMonetary compensation for damages and security failures impacting my personal information.\n\nFailure to respond and take corrective action within 30 days may result in legal action, including the filing of formal complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state attorney general offices, and relevant financial regulatory agencies.\n\nAccount Name : XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-10-06T00:24:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30144","tags":"Servicemember","has_narrative":true,"complaint_id":"16373220","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-06T00:24:03.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>breach</em> represents an egregious violation of multiple consumer <em>protection</em> laws, <em>including</em> : Fair Credit Reporting Act ( FCRA ) Failure to safeguard consumer <em>data</em> from unauthorized access and <em>identity</em> <em>theft</em>. \n\nGramm-Leach-Bliley Act ( GLBA ) Negligence in securing financial and personal information. \n\nFederal Trade Commission Act ( FTC Act ) Unfair and deceptive practices leading to consumer harm."]},"sort":[22.692505,"16373220"]},{"_index":"complaint-public-v1","_id":"11544008","_score":22.684782,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally document that my personal information was compromised as a result of a data breach, which has subsequently been used to open fraudulent accounts in my name without my authorization. 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This <em>breach</em> exposed sensitive <em>data</em>, <em>including</em> [ specify types of <em>data</em>, e.g., Social Security number, date of birth, address, etc. ], enabling <em>identity</em> thieves to commit financial fraud under my <em>identity</em>."]},"sort":[22.684782,"11544008"]},{"_index":"complaint-public-v1","_id":"11537312","_score":22.656214,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally document that my personal information was compromised as a result of a data breach, which has subsequently been used to open fraudulent accounts in my name without my authorization. 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This <em>breach</em> exposed sensitive <em>data</em>, <em>including</em> [ specify types of <em>data</em>, e.g., Social Security number, date of birth, address, etc. ], enabling <em>identity</em> thieves to commit financial fraud under my <em>identity</em>."]},"sort":[22.656214,"11537312"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":5221,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":5221}]}},"product":{"doc_count":5221,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":3979,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3963},{"key":"Other personal consumer report","doc_count":16}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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