{"took":225,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3763,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10861198","_score":14.35481,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In light of increasing concerns about data security breaches and unauthorized sales of personal information on the dark web, I demand assurance that my personal information is being handled securely. I request an immediate investigation into how my data is managed and shared, and I expect you to take steps to ensure its protection. \n\nPer the CDIA 's definition of your verification process, XXXX XXXX XXXX is a web-based, XXXX XXXX COMPLIANT, automated system. '' I expect you to adhere strictly to these standards.","date_sent_to_company":"2024-11-20T21:09:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70706","tags":null,"has_narrative":true,"complaint_id":"10861198","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-20T21:03:25.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["In light of increasing concerns about data security breaches and unauthorized sales of <em>personal</em> information on the dark web, I demand assurance that my <em>personal</em> information is being <em>handled</em> securely. I request an immediate <em>investigation</em> into how my data is managed and shared, and I expect you to take steps to ensure its <em>protection</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[14.35481,"10861198"]},{"_index":"complaint-public-v1","_id":"10867936","_score":14.320776,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In light of increasing concerns about data security breaches and unauthorized sales of personal information on the dark web, I demand assurance that my personal information is being handled securely. I request an immediate investigation into how my data is managed and shared, and I expect you to take steps to ensure its protection. \n\nPer the XXXX 's definition of your verification processXX/XX/XXXXis a web-based, METRO 2 COMPLIANT, automated system. '' I expect you to adhere strictly to these standards.","date_sent_to_company":"2024-11-21T00:20:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35022","tags":null,"has_narrative":true,"complaint_id":"10867936","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-21T00:20:28.000Z","state":"AL","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":["In light of increasing concerns about data security breaches and unauthorized sales of <em>personal</em> information on the dark web, I demand assurance that my <em>personal</em> information is being <em>handled</em> securely. I request an immediate <em>investigation</em> into how my data is managed and shared, and I expect you to take steps to ensure its <em>protection</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[14.320776,"10867936"]},{"_index":"complaint-public-v1","_id":"10851807","_score":14.320776,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In light of increasing concerns about data security breaches and unauthorized sales of personal information on the dark web, I demand assurance that my personal information is being handled securely. I request an immediate investigation into how my data is managed and shared, and I expect you to take steps to ensure its protection. \n\nPer the XXXX 's definition of your verification process, XXXX XXXX XXXX is a web-based, XXXX XXXX XXXX, automated system. '' I expect you to adhere strictly to these standards.","date_sent_to_company":"2024-11-21T00:20:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35022","tags":null,"has_narrative":true,"complaint_id":"10851807","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-21T00:05:55.000Z","state":"AL","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":["In light of increasing concerns about data security breaches and unauthorized sales of <em>personal</em> information on the dark web, I demand assurance that my <em>personal</em> information is being <em>handled</em> securely. I request an immediate <em>investigation</em> into how my data is managed and shared, and I expect you to take steps to ensure its <em>protection</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[14.320776,"10851807"]},{"_index":"complaint-public-v1","_id":"12462113","_score":14.227585,"_source":{"product":"Student loan","complaint_what_happened":"I am submitting this formal complaint regarding my student loans, which I believe should be forgiven due to violations of my consumer rights by the Department of Education ( DOE ) and its handling of my personal data. Specifically, I did not provide permission for them to access my private information, and I believe this constitutes an unlawful violation of my privacy. \n\nI have reason to believe that the DOE accessed or utilized my personal data without my explicit consent, which not only breaches my consumer rights but also undermines my ability to make informed decisions regarding my student loan repayment options. As a borrower, I expect my personal information to be handled in accordance with privacy laws and federal regulations. However, this expectation has not been met, and I feel that I have been unfairly subjected to practices that should render my student loan obligations null and void. \n\nI respectfully request that my loans be reviewed for forgiveness on the basis of these violations. Additionally, I would like a formal investigation into the DOEs handling of my personal data and whether it has acted in compliance with consumer protection laws.","date_sent_to_company":"2025-03-13T09:43:35.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"43551","tags":null,"has_narrative":true,"complaint_id":"12462113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-03-13T09:37:14.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Additionally, I would like a formal <em>investigation</em> into the DOEs <em>handling</em> of my <em>personal</em> data and whether it has acted in compliance with consumer <em>protection</em> laws."]},"sort":[14.227585,"12462113"]},{"_index":"complaint-public-v1","_id":"10867832","_score":14.175182,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In light of increasing concerns about data security breaches and unauthorized sales of personal information on the dark web, I demand assurance that my personal information is being handled securely. I request an immediate investigation into how my data is managed and shared, and I expect you to take steps to ensure its protection. \n\nPer the CDIA 's definition of your verification processXXXX XXXX XXXX XXXX  is a web-based, METRO 2 COMPLIANT, automated system. '' I expect you to adhere strictly to these standards.","date_sent_to_company":"2024-11-21T00:20:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35022","tags":null,"has_narrative":true,"complaint_id":"10867832","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-21T00:20:28.000Z","state":"AL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["In light of increasing concerns about data security breaches and unauthorized sales of <em>personal</em> information on the dark web, I demand assurance that my <em>personal</em> information is being <em>handled</em> securely. I request an immediate <em>investigation</em> into how my data is managed and shared, and I expect you to take steps to ensure its <em>protection</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[14.175182,"10867832"]},{"_index":"complaint-public-v1","_id":"10846435","_score":14.161927,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In light of increasing concerns about data security breaches and unauthorized sales of personal information on the dark web, I demand assurance that my personal information is being handled securely. I request an immediate investigation into how my data is managed and shared, and I expect you to take steps to ensure its protection. \n\nPer the CDIA 's definition of your verification process, e-OSCAR, \" eOscar is a web-based, METRO 2 COMPLIANT, automated system. '' I expect you to adhere strictly to these standards.","date_sent_to_company":"2024-11-20T20:57:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70706","tags":null,"has_narrative":true,"complaint_id":"10846435","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-20T20:53:05.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["In light of increasing concerns about data security breaches and unauthorized sales of <em>personal</em> information on the dark web, I demand assurance that my <em>personal</em> information is being <em>handled</em> securely. I request an immediate <em>investigation</em> into how my data is managed and shared, and I expect you to take steps to ensure its <em>protection</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[14.161927,"10846435"]},{"_index":"complaint-public-v1","_id":"11841122","_score":14.058449,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to formally address two serious issues I have experienced with Cash App platform : 1. Unauthorized Sharing of My Personal Information : I recently discovered that my personal information was shared with a third-party company without my consent. This is a clear violation of my privacy and trust as a user of CASHAPP service. As per CASHAPP stated policies and applicable data protection laws, I expect transparency and accountability regarding how my information is handled.\n\n2. Denial of Fraudulent Disputes : In addition to the data breach, I encountered fraudulent activity on my account and promptly reported it. However, my dispute was denied without sufficient investigation or explanation. This leaves me not only financially impacted but also deeply concerned about the security of my funds on your platform.\n\nI request the following actions : A detailed explanation of how my information was leaked and the measures being taken to prevent future breaches.\n\nA thorough investigation into the fraudulent activity and reconsideration of my dispute claim.\n\nAppropriate compensation or resolution for the financial and emotional distress caused by these incidents.\n\nI trusted that CASHAPP would handle this matter with the urgency and seriousness it deserves. Since they failed to address my concerns it left me with no choice but to escalate this issue to regulatory authorities and consumer protection agencies.","date_sent_to_company":"2025-01-29T09:27:15.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"76116","tags":null,"has_narrative":true,"complaint_id":"11841122","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-29T09:00:12.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Unauthorized Sharing of My <em>Personal</em> Information : I recently discovered that my <em>personal</em> information was shared with a third-party company without my consent. This is a clear violation of my privacy and trust as a user of CASHAPP service. As per CASHAPP stated policies and applicable data <em>protection</em> laws, I expect transparency and accountability regarding how my information is <em>handled</em>.\n\n2."]},"sort":[14.058449,"11841122"]},{"_index":"complaint-public-v1","_id":"8247397","_score":13.494193,"_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":["Request for <em>Investigation</em> and Remediation : <em>Investigation</em> : I request the Consumer Financial <em>Protection</em> Bureau to conduct a thorough <em>investigation</em> into Equifax 's <em>handling</em> 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."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.494193,"8247397"]},{"_index":"complaint-public-v1","_id":"18221463","_score":13.374832,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally submitting a complaint regarding a data breach that has potentially compromised my personal and financial information. Sensitive data, including [ specify details if possible, e.g., Social Security number, account numbers ], may have been accessed, viewed, or misused without my authorization. This incident raises serious concerns about the security and protection of my information.\n\nUnder the Fair Credit Reporting Act ( FCRA ) and other applicable privacy and consumer protection laws, I am entitled to have my information safeguarded and to be notified immediately of any unauthorized use. Therefore, I am requesting that you take urgent and comprehensive action to : Conduct a full investigation into any potential unauthorized access, use, or accounts opened using my personal information. \n\nCorrect or remove any inaccurate, fraudulent, or misleading information on my credit report that may have resulted from this breach.\n\nProvide detailed, written documentation confirming the results of your investigation, the steps taken to resolve any issues, and any preventative measures implemented to protect my information moving forward.\n\nI expect this matter to be handled with the highest priority. Failure to address these concerns promptly and thoroughly may leave me with no choice but to escalate the complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. Please provide immediate confirmation of receipt of this complaint and updates on the progress of the investigation. \n\nThis issue directly impacts my financial standing and personal security, and I trust that your team will take all necessary measures to rectify the situation and prevent any further unauthorized use of my sensitive information.","date_sent_to_company":"2025-12-22T17:06:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76543","tags":null,"has_narrative":true,"complaint_id":"18221463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-22T17:03:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ) and other applicable privacy and consumer <em>protection</em> laws, I am entitled to have my information safeguarded and to be notified immediately of any unauthorized use. Therefore, I am requesting that you take urgent and comprehensive action to : Conduct a full <em>investigation</em> into any potential unauthorized access, use, or accounts opened using my <em>personal</em> information."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.374832,"18221463"]},{"_index":"complaint-public-v1","_id":"18221464","_score":13.355045,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally submitting a complaint regarding a data breach that has potentially compromised my personal and financial information. Sensitive data, including [ specify details if possible, e.g., Social Security number, account numbers ], may have been accessed, viewed, or misused without my authorization. This incident raises serious concerns about the security and protection of my information.\n\nUnder the Fair Credit Reporting Act ( FCRA ) and other applicable privacy and consumer protection laws, I am entitled to have my information safeguarded and to be notified immediately of any unauthorized use. Therefore, I am requesting that you take urgent and comprehensive action to : Conduct a full investigation into any potential unauthorized access, use, or accounts opened using my personal information. \n\nCorrect or remove any inaccurate, fraudulent, or misleading information on my credit report that may have resulted from this breach.\n\nProvide detailed, written documentation confirming the results of your investigation, the steps taken to resolve any issues, and any preventative measures implemented to protect my information moving forward.\n\nI expect this matter to be handled with the highest priority. Failure to address these concerns promptly and thoroughly may leave me with no choice but to escalate the complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. Please provide immediate confirmation of receipt of this complaint and updates on the progress of the investigation. \n\nThis issue directly impacts my financial standing and personal security, and I trust that your team will take all necessary measures to rectify the situation and prevent any further unauthorized use of my sensitive information.","date_sent_to_company":"2025-12-22T17:06:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76543","tags":null,"has_narrative":true,"complaint_id":"18221464","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-22T17:03:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ) and other applicable privacy and consumer <em>protection</em> laws, I am entitled to have my information safeguarded and to be notified immediately of any unauthorized use. Therefore, I am requesting that you take urgent and comprehensive action to : Conduct a full <em>investigation</em> into any potential unauthorized access, use, or accounts opened using my <em>personal</em> information."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.355045,"18221464"]},{"_index":"complaint-public-v1","_id":"18221461","_score":13.355045,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally submitting a complaint regarding a data breach that has potentially compromised my personal and financial information. Sensitive data, including [ specify details if possible, e.g., Social Security number, account numbers ], may have been accessed, viewed, or misused without my authorization. This incident raises serious concerns about the security and protection of my information.\n\nUnder the Fair Credit Reporting Act ( FCRA ) and other applicable privacy and consumer protection laws, I am entitled to have my information safeguarded and to be notified immediately of any unauthorized use. Therefore, I am requesting that you take urgent and comprehensive action to : Conduct a full investigation into any potential unauthorized access, use, or accounts opened using my personal information. \n\nCorrect or remove any inaccurate, fraudulent, or misleading information on my credit report that may have resulted from this breach.\n\nProvide detailed, written documentation confirming the results of your investigation, the steps taken to resolve any issues, and any preventative measures implemented to protect my information moving forward.\n\nI expect this matter to be handled with the highest priority. Failure to address these concerns promptly and thoroughly may leave me with no choice but to escalate the complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. Please provide immediate confirmation of receipt of this complaint and updates on the progress of the investigation. \n\nThis issue directly impacts my financial standing and personal security, and I trust that your team will take all necessary measures to rectify the situation and prevent any further unauthorized use of my sensitive information.","date_sent_to_company":"2025-12-22T17:06:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76543","tags":null,"has_narrative":true,"complaint_id":"18221461","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-22T16:50:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ) and other applicable privacy and consumer <em>protection</em> laws, I am entitled to have my information safeguarded and to be notified immediately of any unauthorized use. Therefore, I am requesting that you take urgent and comprehensive action to : Conduct a full <em>investigation</em> into any potential unauthorized access, use, or accounts opened using my <em>personal</em> information."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.355045,"18221461"]},{"_index":"complaint-public-v1","_id":"10751282","_score":13.310873,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Response to Unauthorized Access and Disclosure of Information Dear Eastern Account System, Thank you for your response. However, I maintain that my primary concern lies with the unauthorized access and improper handling of my personal information in violation of the Fair Credit Reporting Act ( FCRA ) and Gramm-Leach-Bliley Act ( GLBA ), as well as potential state privacy laws.\n\nThe FCRA and GLBA, along with state privacy laws, impose strict guidelines to protect consumer information from unauthorized access and disclosure. Unauthorized access and use of my information without my explicit authorization raise serious concerns about data protection and compliance with these regulations. As such, unauthorized handling of my information by Eastern Account System or any other third party can subject both entities to criminal and civil penalties. \n\nRequest for Further Investigation and Action I am formally requesting that : Eastern Account System undergo an investigation to determine if unauthorized access or disclosure of my information has occurred. \nCriminal charges be pursued if it is found that my information was improperly accessed or shared with XXXX XXXX without my explicit consent. \nWhile I understand that Eastern Account System may have processes in place for notifying consumers, it is my position that these processes should not override the fundamental privacy rights outlined by federal and state regulations. My agreement with the original creditor does not grant permission to share my personal information without appropriate authorization or compliance with all legal protections. \nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-11-12T06:50:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"92545","tags":null,"has_narrative":true,"complaint_id":"10751282","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Eastern Account Systems of Connecticut, Inc.","date_received":"2024-11-12T06:43:56.000Z","state":"CA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["My agreement with the original creditor does not grant permission to share my <em>personal</em> information without appropriate authorization or compliance with all legal <em>protections</em>. \nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX"]},"sort":[13.310873,"10751282"]},{"_index":"complaint-public-v1","_id":"12777477","_score":13.277864,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX XXXX, Thank you for your letter regarding the concerns I raised with the Consumer Financial Protection Bureau ( CFPB ) about handling my federal student loan records. \n\nI appreciate your acknowledgment of my concerns and your stated commitment to data protection. However, your response does not adequately address the specific nature of my complaint, which involves unauthorized access and potential compromise of my educational records and personally identifiable information ( PII ) a matter of grave concern and possible violation of federal privacy protections. \n\n1. Proof of No Breach or Compromise Your letter asserts that Nelnet has not engaged in any activities that would expose data through unauthorized or unlawful means. I must emphasize that this statement is insufficient without a formal investigation or audit trail confirming no unauthorized access occurred. Please provide : A detailed log of access to my account and records. \n\nAny third-party access or administrative overrides applied. \n\nConfirmation that my data has not been involved in any known breach, including the one publicly disclosed by Nelnet in XXXX. \n\n2. Formal Investigation Still Required As a federal servicer handling sensitive personal and educational data, you are bound by the Privacy Act of 1974 and FERPA to safeguard that data and ensure transparency in its handling. My request for a formal investigation still stands, including a clear timeline and documentation related to : How my data has been accessed or shared. \n\nAny irregularities in login or file activity. \n\nThe process for determining when a formal breach investigation is triggered. \n\n3. Request for Loan Discharge Is Justified by Harm While you state that current discharge programs do not include provisions for privacy violations, the ongoing exposure and potential misuse of my personal information have caused measurable harm. If federal law currently provides no remedy for a borrower in such a situation, then the CFPB and the Department of Education must be made aware that such a gap exists, and this case should be escalated accordingly. \n\nI ask again that you : Initiate a formal review of access to my records. \n\nRefer this issue to your compliance and legal teams for additional review. \n\nIf you are not authorized to proceed, report this matter to the U.S. Department of Educations privacy officer. \n\nThis is not a general inquiry about loan status or forgiveness eligibility but a formal complaint about data privacy, trust, and compliance. I expect a follow-up that provides more than legal citations I am asking for transparency, accountability, and protection of my rights as a borrower and citizen. \n\nThank you for your continued attention to this matter. I will also be updating the CFPB with this response and await your formal reply within 15 days. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-10T19:38:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"206XX","tags":null,"has_narrative":true,"complaint_id":"12777477","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-04-03T00:30:01.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Formal <em>Investigation</em> Still Required As a federal servicer <em>handling</em> sensitive <em>personal</em> and educational data, you are bound by the Privacy Act of 1974 and FERPA to safeguard that data and ensure transparency in its <em>handling</em>. My request for a formal <em>investigation</em> still stands, including a clear timeline and documentation related to : How my data has been accessed or shared. \n\nAny irregularities in login or file activity."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.277864,"12777477"]},{"_index":"complaint-public-v1","_id":"12777306","_score":13.277864,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX XXXX, Thank you for your letter regarding the concerns I raised with the Consumer Financial Protection Bureau ( CFPB ) about handling my federal student loan records. \n\nI appreciate your acknowledgment of my concerns and your stated commitment to data protection. However, your response does not adequately address the specific nature of my complaint, which involves unauthorized access and potential compromise of my educational records and personally identifiable information ( PII ) a matter of grave concern and possible violation of federal privacy protections. \n\nXXXX. Proof of No Breach or Compromise Your letter asserts that XXXX has not engaged in any activities that would expose data through unauthorized or unlawful means. I must emphasize that this statement is insufficient without a formal investigation or audit trail confirming no unauthorized access occurred. Please provide : A detailed log of access to my account and records.\n\nAny third-party access or administrative overrides applied.\n\nConfirmation that my data has not been involved in any known breach, including the one publicly disclosed by XXXX in XXXX. \n\nXXXX. Formal Investigation Still Required As a federal servicer handling sensitive personal and educational data, you are bound by the Privacy Act of 1974 and FERPA to safeguard that data and ensure transparency in its handling. My request for a formal investigation still stands, including a clear timeline and documentation related to : How my data has been accessed or shared.\n\nAny irregularities in login or file activity. \n\nThe process for determining when a formal breach investigation is triggered. \n\n3. Request for Loan Discharge Is Justified by Harm While you state that current discharge programs do not include provisions for privacy violations, the ongoing exposure and potential misuse of my personal information have caused measurable harm. If federal law currently provides no remedy for a borrower in such a situation, then the CFPB and the Department of Education must be made aware that such a gap exists, and this case should be escalated accordingly. \n\nI ask again that you : Initiate a formal review of access to my records. \n\nRefer this issue to your compliance and legal teams for additional review. \n\nIf you are not authorized to proceed, report this matter to the U.S. Department of Educations privacy officer.\n\nThis is not a general inquiry about loan status or forgiveness eligibility but a formal complaint about data privacy, trust, and compliance. I expect a follow-up that provides more than legal citations I am asking for transparency, accountability, and protection of my rights as a borrower and citizen. \n\nThank you for your continued attention to this matter. I will also be updating the CFPB with this response and await your formal reply within 15 days. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-03T00:45:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"206XX","tags":null,"has_narrative":true,"complaint_id":"12777306","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-03T00:45:15.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Formal <em>Investigation</em> Still Required As a federal servicer <em>handling</em> sensitive <em>personal</em> and educational data, you are bound by the Privacy Act of 1974 and FERPA to safeguard that data and ensure transparency in its <em>handling</em>. My request for a formal <em>investigation</em> still stands, including a clear timeline and documentation related to : How my data has been accessed or shared.\n\nAny irregularities in login or file activity."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.277864,"12777306"]},{"_index":"complaint-public-v1","_id":"8783741","_score":13.250439,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a formal dispute regarding the unauthorized sharing of my personal information by XXXX XXXX XXXX XXXX to Midland Credit Management on XX/XX/2023. This incident has raised serious concerns about the privacy and security of my financial information. \n\nOn the aforementioned date, XXXX XXXX XXXX XXXX disclosed sensitive details of my financial accounts and debt obligations to Midland Credit Management without my consent. This unauthorized sharing of information violates my rights as a consumer and undermines the trust I place in financial institutions to safeguard my personal data. \n\nThe unauthorized sharing of my information has caused me significant distress and concern about the potential misuse of my financial data by unauthorized parties. I am deeply troubled by The XXXX XXXX XXXX XXXX failure to uphold its duty to protect my privacy and maintain the confidentiality of my personal information. \n\nI request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX  for its unauthorized sharing of my personal information with Midland Credit Management. Additionally, I urge The XXXX XXXX XXXX to implement measures to prevent similar incidents from occurring in the future and to provide assurances that my personal information will be handled with the utmost care and confidentiality moving forward. \n\nThank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this dispute and uphold consumer rights to privacy and data protection.","date_sent_to_company":"2024-04-17T03:20:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"29526","tags":null,"has_narrative":true,"complaint_id":"8783741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-04-17T03:04:31.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["I request that the Consumer Financial <em>Protection</em> Bureau thoroughly <em>investigate</em> this matter and take appropriate action against XXXX XXXX XXXX XXXX  for its unauthorized sharing of my <em>personal</em> information with Midland Credit Management. Additionally, I urge The XXXX XXXX XXXX to implement measures to prevent similar incidents from occurring in the future and to provide assurances that my <em>personal</em> information will be <em>handled</em> with the utmost care and confidentiality moving forward."]},"sort":[13.250439,"8783741"]},{"_index":"complaint-public-v1","_id":"11582404","_score":13.037958,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to express serious concerns about Zelles handling of data security and dispute resolution processes, particularly in light of the recent CFPB lawsuit, which revealed critical shortcomings in the platform. As a frequent user of Zelle, I have reported multiple discrepancies, only to be informed by both Zelle and my financial institution that investigating these issues or tracking the transactions was not feasible.\n\nThe CFPBs findings suggest that Zelle has failed to implement adequate protections against data breaches and fraudulent activity, allowing repeat offenders to exploit systemic vulnerabilities. This negligence has not only put users financial information at risk but has also undermined trust in the platforms ability to safeguard sensitive personal data. The lack of transparency and accountability in addressing these risks raises serious concerns about Zelles commitment to consumer safety and data protection.","date_sent_to_company":"2025-01-16T16:16:55.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"23518","tags":"Servicemember","has_narrative":true,"complaint_id":"11582404","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-16T16:04:17.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am writing to express serious concerns about Zelles <em>handling</em> of data security and dispute resolution processes, particularly in light of the recent CFPB lawsuit, which revealed critical shortcomings in the platform. As a frequent user of Zelle, I have reported multiple discrepancies, only to be informed by both Zelle and my financial institution that <em>investigating</em> these issues or tracking the transactions was not feasible."]},"sort":[13.037958,"11582404"]},{"_index":"complaint-public-v1","_id":"16140680","_score":13.033721,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against TransUnion due to a recent data breach that exposed and compromised my personal and financial information. As a result of this breach, my sensitive credit data has been placed at risk of identity theft, fraud, and unauthorized use. \nI believe TransUnion failed to protect my personal information and has not taken sufficient steps to notify or assist me as a consumer impacted by the breach. Additionally, I am concerned that inaccurate or fraudulent items may appear on my credit report due to this breach.\n\nI am requesting that the CFPB investigate TransUnions handling of this data breach and require them to : Provide clear disclosure of what personal data was exposed.\n\nRemove any fraudulent or inaccurate items from my credit file. \nOffer credit monitoring, identity theft protection, and additional safeguards at no cost to affected consumers. \nEnsure compliance with the Fair Credit Reporting Act ( FCRA ) and hold TransUnion accountable for failing to secure consumer information. \nThis breach has caused me significant stress and put my financial security at risk, and I am seeking immediate resolution and stronger protections.","date_sent_to_company":"2025-09-25T00:17:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43204","tags":null,"has_narrative":true,"complaint_id":"16140680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-24T23:57:02.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB <em>investigate</em> TransUnions <em>handling</em> of this data breach and require them to : Provide clear disclosure of what <em>personal</em> data was exposed.\n\nRemove any fraudulent or inaccurate items from my credit file. \nOffer credit monitoring, identity theft <em>protection</em>, and additional safeguards at no cost to affected consumers. \nEnsure compliance with the Fair Credit Reporting Act ( FCRA ) and hold TransUnion accountable for failing to secure consumer information."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.033721,"16140680"]},{"_index":"complaint-public-v1","_id":"13100202","_score":13.0153675,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX Date : XX/XX/year> To : Experian XXXX  XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Unauthorized Disclosure of Personal Information & Violation of Rights To Whom It May Concern, I am writing to formally dispute and express my serious concern regarding Experians handling of my personal information, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and possibly other applicable laws. \nIt has come to my attention that Experian has shared or disclosed my personal and/or credit-related information without my consent or lawful justification. This constitutes a breach of my privacy rights and raises significant concerns regarding the protection of my sensitive personal data. \nUnder the FCRA, you are legally obligated to ensure the accuracy, confidentiality, and authorized use of consumer information. Any sharing or distribution of my information without a permissible purpose or explicit consent is a clear violation of these obligations. I demand : A full investigation into the unauthorized sharing of my information. \n\n\nImmediate cessation of any further unauthorized disclosure. \n\n\nA detailed explanation of what information was shared, with whom, when, and under what justification. \n\n\nImmediate removal of any information that was wrongfully shared or accessed. \n\n\nDocumentation proving compliance with applicable laws in handling and protecting my information. \n\n\nPlease consider this letter a formal dispute and request for investigation under the FCRA. I expect a written response within 30 days of receipt, as required by law. If I do not receive a satisfactory response, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action for damages resulting from this breach of my rights. \nPlease send all correspondence to the address listed above. I request that you do not share or disclose any more of my personal information unless legally required and with full transparency. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-21T22:41:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"36303","tags":null,"has_narrative":true,"complaint_id":"13100202","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-21T22:38:04.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["It has come to my attention that Experian has shared or disclosed my <em>personal</em> and/or credit-related information without my consent or lawful justification. This constitutes a breach of my privacy rights and raises significant concerns regarding the <em>protection</em> of my sensitive <em>personal</em> data. \nUnder the FCRA, you are legally obligated to ensure the accuracy, confidentiality, and authorized use of consumer information."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.0153675,"13100202"]},{"_index":"complaint-public-v1","_id":"13405836","_score":12.878938,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally request a full investigation into my student loan records in light of recent concerns regarding potential XXXX violations that may have affected my loan eligibility, terms, or disbursement. Under the Family Educational Rights and Privacy Act ( XXXX ), I have the right to the privacy and accuracy of my educational records. \n\nUpon reviewing my records, I have identified multiple discrepancies and potential misuse of my personal and educational information. These include, but are not limited to : Incorrect delinquency reporting, Inaccurate loan balances, and Improper sharing or handling of personally identifiable information. \n\nI am requesting a complete investigation and deletion of student loan reporting where applicable, in accordance with XXXX and federal consumer protection laws. I expect written confirmation of the investigation results and any corrections made within 30 days of this notice. \n\nIf this matter is not resolved within the specified time frame, I will have no choice but to escalate by filing a formal complaint with the appropriate federal agencies, including the XXXX Department of Education and Consumer Financial Protection Bureau ( CFPB ).","date_sent_to_company":"2025-05-09T01:10:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48823","tags":null,"has_narrative":true,"complaint_id":"13405836","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-09T01:10:01.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["These include, but are not limited to : Incorrect delinquency reporting, Inaccurate loan balances, and Improper sharing or <em>handling</em> of personally identifiable information. \n\nI am requesting a complete <em>investigation</em> and deletion of student loan reporting where applicable, in accordance with XXXX and federal consumer <em>protection</em> laws. I expect written confirmation of the <em>investigation</em> results and any corrections made within 30 days of this notice."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[12.878938,"13405836"]},{"_index":"complaint-public-v1","_id":"13419463","_score":12.875397,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally request a full investigation into my student loan records in light of recent concerns regarding potential XXXX violations that may have affected my loan eligibility, terms, or disbursement. Under the Family Educational Rights and Privacy Act ( XXXX ), I have the right to the privacy and accuracy of my educational records. \n\nUpon reviewing my records, I have identified multiple discrepancies and potential misuse of my personal and educational information. These include, but are not limited to : Incorrect delinquency reporting, Inaccurate loan balances, and XXXX sharing or handling of personally identifiable information. \n\nI am requesting a complete investigation and deletion of student loan reporting where applicable, in accordance with XXXX and federal consumer protection laws. I expect written confirmation of the investigation results and any corrections made within 30 days of this notice. \n\nIf this matter is not resolved within the specified time frame, I will have no choice but to escalate by filing a formal complaint with the appropriate federal agencies, including the XXXX Department of Education and Consumer Financial Protection Bureau ( CFPB ).","date_sent_to_company":"2025-05-09T01:10:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48823","tags":null,"has_narrative":true,"complaint_id":"13419463","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-05-09T00:51:39.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["These include, but are not limited to : Incorrect delinquency reporting, Inaccurate loan balances, and XXXX sharing or <em>handling</em> of personally identifiable information. \n\nI am requesting a complete <em>investigation</em> and deletion of student loan reporting where applicable, in accordance with XXXX and federal consumer <em>protection</em> laws. I expect written confirmation of the <em>investigation</em> results and any corrections made within 30 days of this notice."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[12.875397,"13419463"]},{"_index":"complaint-public-v1","_id":"8840395","_score":12.867056,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to bring to your attention a concerning issue regarding the conduct of XXXX, a telecommunications company, regarding their handling of my debt. Despite my explicit instructions to cease communication under the Fair Debt Collection Practices Act ( FDCPA ), XXXX continues to engage with third parties and disclose information about my debt. This includes selling my personal information to collection agencies, resulting in repeated attempts to collect the debt and potential harassment. Such actions not only violate my rights under the FDCPA but also jeopardize my privacy and security. I am deeply troubled by XXXX 's disregard for my lawful request to cease communication and their apparent willingness to compromise my personal information. I urge the CFPB to investigate this matter promptly and take appropriate action to ensure XXXX 's compliance with consumer protection laws.","date_sent_to_company":"2024-04-23T18:31:43.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Telecommunications debt","zip_code":"95826","tags":null,"has_narrative":true,"complaint_id":"8840395","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2024-04-23T18:24:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["I am deeply troubled by XXXX 's disregard for my lawful request to cease communication and their apparent willingness to compromise my <em>personal</em> information. I urge the CFPB to <em>investigate</em> this matter promptly and take appropriate action to ensure XXXX 's compliance with consumer <em>protection</em> laws."]},"sort":[12.867056,"8840395"]},{"_index":"complaint-public-v1","_id":"9210762","_score":12.82221,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Formal Complaint Against Tap Tap Transfer for Unauthorized Sharing of Personal information I am writing to file a formal complaint against Tap Tap Transfer for their egregious and unlawful actions involving the unauthorized sharing of my personal information, including a photograph of me in a state of partial undress, with XXXX XXXX XXXX XXXX. This picture was taken without my knowledge.This despicable act was evidently intended to humiliate and intimidate me following the legitimate filing of a claim against Tap Tap Transfer. \n\nThe actions of Tap Tap Transfer constitute serious violations of numerous federal and state laws designed to protect individuals ' privacy and personal data. The relevant legal infringements include : 1. **Invasion of Privacy** : Tap Tap Transfers actions represent a blatant invasion of my privacy. This constitutes a tortious act under common law, entitling me to seek substantial damages for the harm caused.\n\n2. **Violation of the General Data Protection Regulation ( GDPR ) ** : Given that Tap Tap Transfer operates within jurisdictions adhering to GDPR standards, their handling of my personal data falls under these regulations. Article 5 of the GDPR mandates that personal data must be processed lawfully, fairly, and transparently. The unauthorized sharing of my image is a direct violation of these principles.\n\n3. **Violation of the California Consumer Privacy Act ( CCPA ) ** : If Tap Tap Transfers business operations involve California residents, they are bound by the CCPA . This act provides consumers with rights regarding the collection and sharing of their personal data and the right to opt-out. Tap Tap Transfers actions disregard these legal protections.\n\n4. **Violation of the Electronic Communications Privacy Act ( ECPA ) ** : The ECPA prohibits the unauthorized interception and disclosure of electronic communications. Tap Tap Transfers acquisition and dissemination of my image without consent contravene this statute.\n\n5. **Violation of the Federal Trade Commission Act ( FTCA ) ** : The FTCA prohibits unfair or deceptive acts or practices in commerce. The unauthorized and malicious sharing of my private image is both unfair and deceptive, potentially subjecting Tap Tap Transfer to enforcement action by the Federal Trade Commission ( FTC ).\n\n6. **Intentional Infliction of Emotional Distress** : The actions of Tap Tap Transfer, aimed at causing humiliation and distress, meet the criteria for intentional infliction of emotional distress under tort law. The malicious intent behind these actions is evident and actionable.\n\nI demand that Consumer Finance Protection Agency take immediate and stringent action against Tap Tap Transfer, including : 1. **Immediate Investigation** : Conduct a thorough investigation into the actions of Tap Tap Transfer and their handling of my personal data.\n\n2. **Penalties and Fines** : Impose the maximum penalties and fines permissible under the relevant laws for these grave violations.\n\n3. **Corrective Actions** : Mandate that Tap Tap Transfer implement corrective measures to prevent such breaches in the future, including enhanced data protection protocols and mandatory staff training on privacy laws.\n\nFailure to take appropriate action against Tap Tap Transfer will undermine the protections these laws are designed to afford and will leave other consumers vulnerable to similar abuses. I trust that [ Regulatory Agency Name ] will address this matter with the urgency and seriousness it demands. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-06-07T18:47:19.000Z","issue":"Other service problem","sub_product":"International money transfer","zip_code":"19023","tags":null,"has_narrative":true,"complaint_id":"9210762","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TapTap Send Inc.","date_received":"2024-06-07T18:33:54.000Z","state":"PA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":null},"highlight":{"complaint_what_happened":["I demand that Consumer Finance <em>Protection</em> Agency take immediate and stringent action against Tap Tap Transfer, including : 1. **Immediate <em>Investigation</em>** : Conduct a thorough <em>investigation</em> into the actions of Tap Tap Transfer and their <em>handling</em> of my <em>personal</em> data.\n\n2. **Penalties and Fines** : Impose the maximum penalties and fines permissible under the relevant laws for these grave violations.\n\n3."]},"sort":[12.82221,"9210762"]},{"_index":"complaint-public-v1","_id":"8010075","_score":12.793332,"_source":{"product":"Credit card","complaint_what_happened":"Dear XXXX, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a troubling issue related to the denial of a credit card application submitted to American Express . This denial appears to be in violation of the Equal Credit Opportunity Act ( 15 U.S. Code 1691 ) and may involve allegations of securities fraud. \n\nThe details of my complaint are as follows : Application : On XX/XX/2023, I submitted an application for a credit card to American Express. To my surprise, my application was immediately denied. \n\nIn response to the denial, I sent a certified letter to American Express seeking additional information and clarification regarding the denial. I have attached a copy of this certified letter to this complaint for your reference. \n\nDespite sending the certified letter, I have not received any response or communication from American Express. This lack of response is concerning and has left me with unanswered questions and uncertainties regarding the denial of my loan application. \n\nI believe there may be potential securities fraud involved in this matter. American Express has a published XXXX annual filing and an indenture agreement. While they denied me credit, it is possible that my loan application was still sold, which could affect my security interest. This raises serious concerns about the treatment of my personal and financial information. \n\nI am filing this complaint with the CFPB to request a thorough investigation into American Express 's denial of my credit card application, their lack of response to my certified letter, and the potential securities fraud implications of this situation. I seek clarification regarding the denial and whether it was in compliance with the Equal Credit Opportunity Act. Additionally, I want to ensure that my personal and financial information has been handled appropriately and in accordance with relevant laws and regulations. \n\nI kindly request that the CFPB investigates this matter promptly and thoroughly. It is essential to determine whether American Express has violated consumer protection laws and regulations, including those related to equal credit opportunity and the handling of personal information. \n\nThank you for your attention to this matter. I look forward to a resolution that ensures compliance with consumer protection laws and provides clarity regarding the denial of my loan application. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2023-12-15T19:52:32.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"85339","tags":null,"has_narrative":true,"complaint_id":"8010075","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-12-15T19:35:42.000Z","state":"AZ","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Additionally, I want to ensure that my <em>personal</em> and financial information has been <em>handled</em> appropriately and in accordance with relevant laws and regulations. \n\nI kindly request that the CFPB <em>investigates</em> this matter promptly and thoroughly. It is essential to determine whether American Express has violated consumer <em>protection</em> laws and regulations, including those related to equal credit opportunity and the <em>handling</em> of <em>personal</em> information. \n\nThank you for your attention to this matter."]},"sort":[12.793332,"8010075"]},{"_index":"complaint-public-v1","_id":"13517953","_score":12.788885,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, D.C. XXXX Privacy Violation Complaint and Request for Investigation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding Transworld System Inc and its handling of my nonpublic personal information. As part of my rights under the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6802 ( b ) ), I am requesting that my nonpublic personal information be kept confidential and not be shared with non-affiliated third parties without my explicit consent. \n\nI believe that Transworld System Inc has violated my privacy rights by either sharing my information with third parties inappropriately or failing to inform me of my right to opt out of such sharing. \n\nI would like the CFPB to investigate this matter and assist me in ensuring that my privacy rights are protected, as provided under the GLBA. Please confirm the receipt of my complaint and any actions taken regarding this issue. \n\nThank you for your attention to this matter. I look forward to your assistance in resolving this issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-14T17:42:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"07017","tags":"Servicemember","has_narrative":true,"complaint_id":"13517953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-05-14T17:29:54.000Z","state":"NJ","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX XX/XX/year> Consumer Financial <em>Protection</em> Bureau ( CFPB ) XXXX XXXX XXXX XXXX, D.C. XXXX Privacy Violation Complaint and Request for <em>Investigation</em> Dear Consumer Financial <em>Protection</em> Bureau, I am writing to file a formal complaint regarding Transworld System Inc and its <em>handling</em> of my nonpublic <em>personal</em> information."]},"sort":[12.788885,"13517953"]},{"_index":"complaint-public-v1","_id":"11635473","_score":12.771406,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to formally express my concerns regarding Zelles handling of disputed transactions, particularly given the ongoing scrutiny and recent findings about the platforms accountability. Despite multiple attempts to resolve discrepancies through my financial institution and Zelle, my claims were inadequately investigated. I was informed that recovering lost funds was not possible and that transaction tracking was unfeasible. \n\nThe findings from consumer advocacy organizations suggest that Zelle has failed to implement effective consumer protection measures, leaving users exposed to fraud and repeat exploitation. This lack of security and accountability has undermined trust in the system. \n\nI consent to the Consumer Financial Protection Bureau publishing this statement on its public database ( consumerfinance.gov ) so that others may benefit from my experience. 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