{"took":80,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":115,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10719782","_score":19.933365,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I logged into EquifaxXXXX and no history is pulling up on my credit report. I pay {$19.00} a month for the Equifax services with identity theft insurance and restoration services. My data has been compromised and I am a victim of identity theft. Attached are supporting documentation ( ID etc ) to complete investigation. \n\nThe identity theft restorative services that I pay for comes with : Social Media Monitoring, Device Protection, Parental Controls, VPN, & Password XXXX XXXX searches the XXXX XXXX for your personal data Credit alerts help you detect fraud faster ID Restoration Specialists help you recover from ID theft Up to {$1.00} XXXX in ID theft XXXX to help you recover from ID fraud The identity theft plan I pay for is suppose to help with : Protect Your Identity Device Protection Help protect devices from ransomware attacks and phishing attempts, and block dangerous websites. \n\nIdentity Restoration \" a dedicated Identity Restoration Specialist '' to help with \" the financial cost of restoring your identity '' which can be high - we reimburse many different out-of-pocket expenses. Up to {$1.00} XXXX  in Identity Theft Insurance- when it comes to monies owed, everything is done to prevent me from accessing reimbursement - a form of financial abuses. \n\nMonitor Your Credit and Identity Equifax Credit Monitoring with Alerts Credit Monitoring with Alerts Receive email alerts about new credit inquiries and credit accounts on your Equifax credit reportXXXX to help spot signs of fraud. You can also be alerted to changes to your Equifax credit XXXX. \n\nUpdated Equifax Credit Report. Updated Equifax Credit ReportXXXX Your Equifax credit report is updated every time you log in, up to once daily. \n\nUpdated Equifax Credit Score. Updated Equifax XXXX XXXX. Updated Equifax Credit ScoreXXXX Your Equifax credit score is updated every time you log in, up to once daily. Your credit report is a summary of your credit history, as reported to Equifax. Youll see your most updated Equifax credit score that lenders may use when reviewing credit applications.\n\nLock your Equifax credit report to help prevent new or additional credit from being opened in your name. \n\nI received the \" Remedying The Effects Of Identity Theft ''. Fraud alerts were placed on my Equifax file back in XXXX as well as extended alerts in XXXX. I was also a part of two data breaches with Equifax over the years. \n\nBeing Billed for Services Not Rendered - Equifax XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-11-06T17:12:01.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"10719782","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-06T17:11:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["The <em>identity</em> <em>theft</em> restorative services that I pay for comes with : Social Media <em>Monitoring</em>, Device Protection, Parental Controls, VPN, & Password XXXX XXXX searches the XXXX XXXX for your personal data <em>Credit</em> alerts help you detect fraud faster ID Restoration Specialists help you <em>recover</em> from ID <em>theft</em> Up to {$1.00} XXXX in ID <em>theft</em> XXXX to help you <em>recover</em> from ID fraud The <em>identity</em> <em>theft</em> plan I pay for is suppose to help with : Protect Your <em>Identity</em> Device Protection Help protect devices from ransomware"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other problem getting your report or <em>credit</em> score"]},"sort":[19.933365,"10719782"]},{"_index":"complaint-public-v1","_id":"2664417","_score":18.065603,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I never directly did business with Equifax and yet they have all of my personal information. \n\nThey then did not take reasonable steps to protect that information from cyberattacks. \nWhen they learned of the problem, they hid it from investors while they let executives dump their stock. \n\nThere is no way to undo this damage. Once your information is stolen, you can never recover it. It will mean that I will need to pay for credit monitor and identity theft protection for the rest of my life. \n\nI will also be the target of other scams and potential blackmail because of a company that I had no direct business relationship with whatsoever.","date_sent_to_company":"2017-09-08T18:04:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"038XX","tags":null,"has_narrative":true,"complaint_id":"2664417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T17:54:55.000Z","state":"NH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Once your information is stolen, you can never <em>recover</em> it. It will mean that I will need to pay for <em>credit</em> <em>monitor</em> and <em>identity</em> <em>theft</em> protection for the rest of my life. \n\nI will also be the target of other scams and potential blackmail because of a company that I had no direct business relationship with whatsoever."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.065603,"2664417"]},{"_index":"complaint-public-v1","_id":"10409986","_score":17.763985,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incident that occurred several years ago at the airport. I lost my wallet and luggage at the airport. My wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. Since then, I have noticed suspicious activity on my credit report, including this unauthorized account. I am concerned that my personal information may have been stolen and used to commit identity theft. I am taking steps to protect my identity, such as filing a police report and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports","date_sent_to_company":"2024-10-10T20:42:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"10409986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Seattle Service Bureau, Inc","date_received":"2024-10-10T20:36:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am concerned that my personal information may have been stolen and used to commit <em>identity</em> <em>theft</em>. I am taking steps to protect my <em>identity</em>, such as filing a police report and placing fraud alerts with the <em>credit</em> bureaus. I am continuing to <em>monitor</em> my own accounts and <em>credit</em> reports"],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[17.763985,"10409986"]},{"_index":"complaint-public-v1","_id":"10410667","_score":17.72695,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incident that occurred several years ago at the airport. I lost my wallet and luggage at the airport. My wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. Since then, I have noticed suspicious activity on my credit report, including this unauthorized account. I am concerned that my personal information may have been stolen and used to commit identity theft. I am taking steps to protect my identity, such as filing a police report and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports","date_sent_to_company":"2024-10-10T20:51:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"10410667","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"First Credit Services Inc.","date_received":"2024-10-10T20:45:00.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am concerned that my personal information may have been stolen and used to commit <em>identity</em> <em>theft</em>. I am taking steps to protect my <em>identity</em>, such as filing a police report and placing fraud alerts with the <em>credit</em> bureaus. I am continuing to <em>monitor</em> my own accounts and <em>credit</em> reports"],"company":["First <em>Credit</em> Services Inc."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[17.72695,"10410667"]},{"_index":"complaint-public-v1","_id":"10896338","_score":17.382406,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incident that occurred several years ago at the airport in XXXX XXXX XXXX. \n\nI lost my purse and luggage at the airport. My purse contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the purse, it was never recovered. Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit identity theft. \n\nI am taking steps to protect my identity, such making this complaint and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity. \nThank you for your attention to this matter.","date_sent_to_company":"2024-11-22T20:59:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"32210","tags":null,"has_narrative":true,"complaint_id":"10896338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Southern Management Systems Inc.","date_received":"2024-11-22T20:41:00.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am concerned that my personal information may have been stolen and used to commit <em>identity</em> <em>theft</em>. \n\nI am taking steps to protect my <em>identity</em>, such making this complaint and placing fraud alerts with the <em>credit</em> bureaus. I am continuing to <em>monitor</em> my own accounts and <em>credit</em> reports for any signs of fraudulent activity. \nThank you for your attention to this matter."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[17.382406,"10896338"]},{"_index":"complaint-public-v1","_id":"8994459","_score":17.344982,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incidentthat occurred several years ago at the airport in XXXX XXXX XXXX. I lost my wallet and luggage at the airport. Mywallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate thewallet, it was never recovered.Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. Iam concerned that my personal information may have been stolen and used to commit identity theft.I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the creditbureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity.Thank you for your attention to this matterI am willing to prosecute.","date_sent_to_company":"2024-05-13T22:03:15.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"85323","tags":null,"has_narrative":true,"complaint_id":"8994459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-05-13T21:59:24.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Iam concerned that my personal information may have been stolen and used to commit <em>identity</em> <em>theft</em>.I am taking steps to protect my <em>identity</em>, such as filing this police report and placing fraud alerts with the creditbureaus. I am continuing to <em>monitor</em> my own accounts and <em>credit</em> reports for any signs of fraudulent activity.Thank you for your attention to this matterI am willing to prosecute."],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"],"sub_product":["<em>Credit</em> card debt"],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[17.344982,"8994459"]},{"_index":"complaint-public-v1","_id":"9000375","_score":17.307905,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incidentthat occurred several years ago at the airport in XXXX XXXX XXXX. I lost my wallet and luggage at the airport. Mywallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate thewallet, it was never recovered.Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. Iam concerned that my personal information may have been stolen and used to commit identity theft.I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the creditbureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity.Thank you for your attention to this matterI am willing to prosecute.","date_sent_to_company":"2024-05-13T21:56:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"85323","tags":null,"has_narrative":true,"complaint_id":"9000375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2024-05-13T21:56:57.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Iam concerned that my personal information may have been stolen and used to commit <em>identity</em> <em>theft</em>.I am taking steps to protect my <em>identity</em>, such as filing this police report and placing fraud alerts with the creditbureaus. I am continuing to <em>monitor</em> my own accounts and <em>credit</em> reports for any signs of fraudulent activity.Thank you for your attention to this matterI am willing to prosecute."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[17.307905,"9000375"]},{"_index":"complaint-public-v1","_id":"8994681","_score":17.298258,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incidentthat occurred several years ago at the airport in XXXX XXXX XXXX. I lost my wallet and luggage at the airport. XXXX contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate thewallet, it was never recovered.Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. XXXX concerned that my personal information may have been stolen and used to commit identity theft.I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the creditbureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity.Thank you for your attention to this matterI am willing to prosecute.","date_sent_to_company":"2024-05-13T21:56:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"85323","tags":null,"has_narrative":true,"complaint_id":"8994681","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Persolve, LLC - Legal - Series 2","date_received":"2024-05-13T21:41:05.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["XXXX concerned that my personal information may have been stolen and used to commit <em>identity</em> <em>theft</em>.I am taking steps to protect my <em>identity</em>, such as filing this police report and placing fraud alerts with the creditbureaus. I am continuing to <em>monitor</em> my own accounts and <em>credit</em> reports for any signs of fraudulent activity.Thank you for your attention to this matterI am willing to prosecute."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[17.298258,"8994681"]},{"_index":"complaint-public-v1","_id":"8351103","_score":16.669142,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incident that occurred several years ago at XXXX XXXX. In 2015, I lost my wallet at the store located at XXXX XXXX Located In The Center Next To XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. \n\nSince then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit identity theft. \n\nI am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity. \n\nThank you for your attention to this matter","date_sent_to_company":"2024-02-16T01:03:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"8351103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2024-02-16T00:55:24.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Since then, I have noticed suspicious activity on my <em>credit</em> report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit <em>identity</em> <em>theft</em>. \n\nI am taking steps to protect my <em>identity</em>, such as filing this police report and placing fraud alerts with the <em>credit</em> bureaus. I am continuing to <em>monitor</em> my own accounts and <em>credit</em> reports for any signs of fraudulent activity. \n\nThank you for your attention to this matter"],"company":["<em>CREDIT</em> ACCEPTANCE CORPORATION"],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[16.669142,"8351103"]},{"_index":"complaint-public-v1","_id":"8351517","_score":16.649933,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incident that occurred several years ago at XXXX XXXX. In 2015, I lost my wallet at the store located at XXXX XXXX Located In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. The wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. \n\nSince then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit identity theft.\n\nI am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity.\n\nThank you for your attention to this matter","date_sent_to_company":"2024-02-16T00:54:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"8351517","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-02-16T00:41:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Since then, I have noticed suspicious activity on my <em>credit</em> report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit <em>identity</em> <em>theft</em>.\n\nI am taking steps to protect my <em>identity</em>, such as filing this police report and placing fraud alerts with the <em>credit</em> bureaus. I am continuing to <em>monitor</em> my own accounts and <em>credit</em> reports for any signs of fraudulent activity.\n\nThank you for your attention to this matter"],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[16.649933,"8351517"]},{"_index":"complaint-public-v1","_id":"2662530","_score":16.307407,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to you regarding the Equifax data breach which, according to their website, exposed my identifying information to cyber criminals who may use it now or in the future to steal my identity or access financial information. As a credit reporting agency, Equifax automatically has access to my information without my consent, which means that not only was my information compromised, but despite all the steps I take as a consumer to safeguard my information, there was and is nothing I can do to mitigate the breach except for signing up for their free credit monitoring and, if identity theft occurs, use my own money to recover my identity. \nThe only remedy Equifax has offered for their negligence is free credit monitoring for one year and this remedy is simply not sufficient or justified given the reasons below The scope of the breach poses a long-term threat to me well beyond a year so one year of credit monitoring is not long enough and it should be extended to an indefinite period since their negligence caused damage for an indefinite period of time. \nThe monitoring does not include identity theft repair in the event of occurrance and I should not be held responsible for repairing my identity due to Equifaxs negligence. This should be included in what they are offering. \nEquifax waited 6 weeks before informing consumers which means that Equifax purposefully delayed notifying me and thereby exposed me to further risk by increasing the time between me being able to obtain protection and secure my identity. \nThe breach was not discovered promptly and instead was allowed to continue for a few months before Equifax could stop it, which means they did not have proper security and monitoring measurements in place and again were negligent. This calls into question whether Equifax should even be allowed to continue being a credit reporting agency with this massive amount of consumer information. \nWith the delay of notification, the breach of information, and the pre-notification sale of executive stock prior to the announcement to the general public, I believe that Equifax is not engaging in a good faith effort to remedy the situation and I will pursue civil action against them for the irreparable damage they have caused to my financial information. \nFinally, based upon the breach and Equifaxs conduct, I insist that a criminal investigation be done based upon potential violations of federal regulations from the SEC and FTC, as well as the illegal criminal behavior of insider trading and purposefully deceptive trade. \nAs a citizen of the United States and a taxpayer, I am asking that all government resources be used to investigate Equifaxs questionable conduct and business practices and that all action be taken to remedy their negligent behavior and protect consumers like myself who have no choice in whether Equifax has our information. If it were another company, I would simply stop doing business with them after this incident, but with Equifax I have no choice and that is why I am rightfully determined to seek justice against this negligent and, possibly criminal, company. \nThank You for Your Time and Assistance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX","date_sent_to_company":"2017-09-14T19:55:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78613","tags":null,"has_narrative":true,"complaint_id":"2662530","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-10T14:28:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As a <em>credit</em> reporting agency, Equifax automatically has access to my information without my consent, which means that not only was my information compromised, but despite all the steps I take as a consumer to safeguard my information, there was and is nothing I can do to mitigate the breach except for signing up for their free <em>credit</em> <em>monitoring</em> and, if <em>identity</em> <em>theft</em> occurs, use my own money to <em>recover</em> my <em>identity</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.307407,"2662530"]},{"_index":"complaint-public-v1","_id":"4487675","_score":16.206629,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In the past years I have filed bankruptcy and was a victim of identity theft to the highest degree from my personal information and banking. I had to close 2 checking accounts because the thieves ran fraudulent checks using fake information and my social security number which my retirement pension deposit was and the funds were gone. In order to protect my social Security Deposit and my retirement I had to hold my deposits until a safe bank account could be opened. During the year and half my phone and computer were re encrypted so with the help of the phone service and WiFi with the cable company my old phone was monitored in the effort to report. My credit report is bad and will never recover. Are there any options available for recover. I have paid for all credit agencies to protect and report to no avail. Today I received another letter of denial from my bank for a small loan for less than XXXX $ All the money was to be deposited back in to my bank account. Some of the loan funds were for over XXXX $ in overdraft fees both of my retirement funds and social security are directly deposited each month thank you for your help and time","date_sent_to_company":"2021-06-24T05:39:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"65616","tags":"Older American","has_narrative":true,"complaint_id":"4487675","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-06-24T01:05:52.000Z","state":"MO","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["During the year and half my phone and computer were re encrypted so with the help of the phone service and WiFi with the cable company my old phone was <em>monitored</em> in the effort to report. My <em>credit</em> report is bad and will never <em>recover</em>. Are there any options available for <em>recover</em>. I have paid for all <em>credit</em> agencies to protect and report to no avail."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.206629,"4487675"]},{"_index":"complaint-public-v1","_id":"14320649","_score":15.788566,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is my final attempt to correct the information with Equifax as it pertains to the identity theft that I have been a victim of. I have requested arbitration from Equifax with generic responses given. I have taken all the required steps for the removal of this fraudulent information to be removed from my credit report. The steps taken were notified all creditors, filed a police report which is attached, filed a report with the FTC ( Identity Theft.gov, monitored my credit for any new accounts or changes, removed fraudulent addresses that I have never been associated with. The following accounts are involved in my identity theft. Some accounts were removed only to be placed back in 45 days. Equifax is making it nearly impossible to recover from this criminal act that I was a victim of. If this can not be corrected, please tell me the legal steps to file suit against Equifax for reporting false information. The accounts are as follows : XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX, XXXX XXXX. This accounts need to be immediately removed per the Fair Credit Reporting Act. I have again attached all documents related to the reporting of the identity theft including police report, FTC report, a list of all accounts and identity information. There are also several credit inquiries that I never applied or authorized which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-26T16:18:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"704XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14320649","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-26T15:52:49.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The steps taken were notified all creditors, filed a police report which is attached, filed a report with the FTC ( <em>Identity</em> <em>Theft</em>.gov, <em>monitored</em> my <em>credit</em> for any new accounts or changes, removed fraudulent addresses that I have never been associated with. The following accounts are involved in my <em>identity</em> <em>theft</em>. Some accounts were removed only to be placed back in 45 days. Equifax is making it nearly impossible to <em>recover</em> from this criminal act that I was a victim of."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.788566,"14320649"]},{"_index":"complaint-public-v1","_id":"14317139","_score":15.788566,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is my final attempt to correct the information with Equifax as it pertains to the identity theft that I have been a victim of. I have requested arbitration from Equifax with generic responses given. I have taken all the required steps for the removal of this fraudulent information to be removed from my credit report. The steps taken were notified all creditors, filed a police report which is attached, filed a report with the FTC ( Identity Theft.gov, monitored my credit for any new accounts or changes, removed fraudulent addresses that I have never been associated with. The following accounts are involved in my identity theft. Some accounts were removed only to be placed back in 45 days. Equifax is making it nearly impossible to recover from this criminal act that I was a victim of. If this can not be corrected, please tell me the legal steps to file suit against Equifax for reporting false information. The accounts are as follows : XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX, XXXX XXXX. This accounts need to be immediately removed per the Fair Credit Reporting Act. I have again attached all documents related to the reporting of the identity theft including police report, FTC report, a list of all accounts and identity information. There are also several credit inquiries that I never applied or authorized which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-26T16:19:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"704XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14317139","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-26T16:18:24.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The steps taken were notified all creditors, filed a police report which is attached, filed a report with the FTC ( <em>Identity</em> <em>Theft</em>.gov, <em>monitored</em> my <em>credit</em> for any new accounts or changes, removed fraudulent addresses that I have never been associated with. The following accounts are involved in my <em>identity</em> <em>theft</em>. Some accounts were removed only to be placed back in 45 days. Equifax is making it nearly impossible to <em>recover</em> from this criminal act that I was a victim of."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.788566,"14317139"]},{"_index":"complaint-public-v1","_id":"14317137","_score":15.788566,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is my final attempt to correct the information with Equifax as it pertains to the identity theft that I have been a victim of. I have requested arbitration from Equifax with generic responses given. I have taken all the required steps for the removal of this fraudulent information to be removed from my credit report. The steps taken were notified all creditors, filed a police report which is attached, filed a report with the FTC ( Identity Theft.gov, monitored my credit for any new accounts or changes, removed fraudulent addresses that I have never been associated with. The following accounts are involved in my identity theft. Some accounts were removed only to be placed back in 45 days. Equifax is making it nearly impossible to recover from this criminal act that I was a victim of. If this can not be corrected, please tell me the legal steps to file suit against Equifax for reporting false information. The accounts are as follows : XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX, XXXX XXXX. This accounts need to be immediately removed per the Fair Credit Reporting Act. I have again attached all documents related to the reporting of the identity theft including police report, FTC report, a list of all accounts and identity information. There are also several credit inquiries that I never applied or authorized which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-26T16:18:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"704XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14317137","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-26T16:18:24.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The steps taken were notified all creditors, filed a police report which is attached, filed a report with the FTC ( <em>Identity</em> <em>Theft</em>.gov, <em>monitored</em> my <em>credit</em> for any new accounts or changes, removed fraudulent addresses that I have never been associated with. The following accounts are involved in my <em>identity</em> <em>theft</em>. Some accounts were removed only to be placed back in 45 days. Equifax is making it nearly impossible to <em>recover</em> from this criminal act that I was a victim of."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.788566,"14317137"]},{"_index":"complaint-public-v1","_id":"10199834","_score":15.669877,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am currently an Identity Theft victim, and froze the three credit reporting agency accounts in XX/XX/XXXX - these accounts also have fraud alerts on them that i placed. My experian credit monitoring account was hijacked my someone who opened a fraudulent digitial checking account and they changed all my login credentials on Sunday XX/XX/XXXX. It took 24 hours for me to reach the checking department on the phone and they said they would close this unauthorized checking account- they still have not sent me the email confirmation of this account being closed or sent me a mailed letter. It took two days of calling to reach someone in the membership dept to get help recovering my credit monitoring account : they helped me set up new user name & password but did not put my phone number back on my account- the account still has someone else 's number. I have called them 32 times about this and there is no option to reach a human being. I emailed them also about 15 times and they only responded twice with copy & pasted \" help '' instructions pulled from their website. They haven't bothered to read what my issue is, or call me, or respond to me with any sense of urgency to protect my sensitive personal data. I have filed a police report for the fraud that happened with experian on XX/XX/XXXX and so i am able to extended the security alerts for another seven years. They exposed me to an account breach and someone gained access to my personal information, Experian is not addressing this or following the law. This is abusive practice of a credit reporting agency to treat consumers like garbage and offering no protection for the personal data they maintain And how they are treating me, who is already an Identity theft victim, is absolutely disgusting","date_sent_to_company":"2024-09-21T16:24:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"019XX","tags":null,"has_narrative":true,"complaint_id":"10199834","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-21T15:44:46.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I am currently an <em>Identity</em> <em>Theft</em> victim, and froze the three <em>credit</em> reporting agency accounts in XX/XX/XXXX - these accounts also have fraud alerts on them that i placed. My experian <em>credit</em> <em>monitoring</em> account was hijacked my someone who opened a fraudulent digitial checking account and they changed all my login credentials on Sunday XX/XX/XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.669877,"10199834"]},{"_index":"complaint-public-v1","_id":"10330288","_score":15.530427,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"am writing to formally submit a complaint regarding a data breach that occurred at XXXX. In XXXX Of 2024 I learned that my personal information XXXX have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information. The specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information. Impact on Me : As a result of this breach, 1. Increased Risk of Identity Theft One of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This XXXX lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions. XXXX. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they XXXX incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity. 3. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience XXXX, fear, and XXXX  about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues. 4. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities. 5. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers XXXX feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether. XXXX. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates. XXXX. Legal Complications In some cases, victims XXXX find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names. XXXX. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers XXXX not have anticipated needing before the breach occurred. In summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management. Lack of Communication : I feel that XXXX has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves.","date_sent_to_company":"2024-10-03T21:49:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"10330288","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-03T21:41:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Victims of <em>identity</em> <em>theft</em> often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they XXXX incur costs related to restoring their <em>identity</em>, such as legal fees or expenses associated with freezing their <em>credit</em> reports and <em>monitoring</em> their accounts for suspicious activity. 3. Emotional and Psychological Stress Living under the threat of <em>identity</em> <em>theft</em> can lead to considerable emotional distress."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.530427,"10330288"]},{"_index":"complaint-public-v1","_id":"10159281","_score":15.530427,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at XXXX. In XXXX Of 2024 I learned that my personal information may have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information. \n\nThe specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information. \nImpact on Me : As a result of this breach, 1. Increased Rise rtueuegof Identity Theft One of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions. \n\nXXXX. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity. \n\nXXXX. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience XXXX, fear, and XXXX  about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues. \n\nXXXX. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities. \n\nXXXX. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether. \n\nXXXX. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates. \n\nXXXX. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names. \n\nXXXX. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred. \n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management. \n\n\nLack of Communication : I feel that XXXX has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves.","date_sent_to_company":"2024-10-22T14:12:35.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"10159281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-18T01:30:47.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["Victims of <em>identity</em> <em>theft</em> often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their <em>identity</em>, such as legal fees or expenses associated with freezing their <em>credit</em> reports and <em>monitoring</em> their accounts for suspicious activity. \n\nXXXX. Emotional and Psychological Stress Living under the threat of <em>identity</em> <em>theft</em> can lead to considerable emotional distress."],"product":["<em>Credit</em> card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[15.530427,"10159281"]},{"_index":"complaint-public-v1","_id":"9710166","_score":15.521473,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at TransUnion. In XXXX Of XXXX  I learned that my personal information may have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information.\n\nThe specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information. \nImpact on Me : As a result of this breach, XXXX. Increased Risk of Identity Theft One of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions. \n\nXXXX. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity. \n\nXXXX. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience anxiety, fear, and paranoia about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues. \n\nXXXX. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities. \n\nXXXX. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether. \n\nXXXX. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates. \n\nXXXX. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names. \n\nXXXX. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred. \n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management.\n\nLack of Communication : I feel that TransUnion has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves.","date_sent_to_company":"2024-08-05T23:35:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"9710166","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-05T23:30:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Victims of <em>identity</em> <em>theft</em> often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their <em>identity</em>, such as legal fees or expenses associated with freezing their <em>credit</em> reports and <em>monitoring</em> their accounts for suspicious activity. \n\nXXXX. Emotional and Psychological Stress Living under the threat of <em>identity</em> <em>theft</em> can lead to considerable emotional distress."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.521473,"9710166"]},{"_index":"complaint-public-v1","_id":"9706598","_score":15.521473,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at XXXX. In XXXX Of XXXX  I learned that my personal information may have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information.\n\nThe specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information.\n\nImpact on Me : As a result of this breach, 1. Increased Risk of Identity Theft One of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions.\n\n2. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity.\n\n3. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience anxiety, fear, and paranoia about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues.\n\n4. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities.\n\n5. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether.\n\n6. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates.\n\n7. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names.\n\n8. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred.\n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management.\n\nLack of Communication : I feel that XXXX has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves.","date_sent_to_company":"2024-08-05T23:35:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"9706598","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-05T23:35:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Victims of <em>identity</em> <em>theft</em> often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their <em>identity</em>, such as legal fees or expenses associated with freezing their <em>credit</em> reports and <em>monitoring</em> their accounts for suspicious activity.\n\n3. Emotional and Psychological Stress Living under the threat of <em>identity</em> <em>theft</em> can lead to considerable emotional distress."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.521473,"9706598"]},{"_index":"complaint-public-v1","_id":"10163359","_score":15.521473,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at XXXX. In XXXX Of XXXX  I learned that my personal information may have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information.\n\nThe specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information.\n\nImpact on Me : As a result of this breach, 1. Increased Rise XXXX Identity Theft One of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions.\n\n2. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity.\n\n3. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience anxiety, fear, and paranoia about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues.\n\n4. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities.\n\n5. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether.\n\n6. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates.\n\n7. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names.\n\n8. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred.\n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management.\n\nLack of Communication : I feel that XXXX has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves.","date_sent_to_company":"2024-09-18T16:18:36.000Z","issue":"Incorrect information on your report","sub_product":"Checking account","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"10163359","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-09-18T16:13:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Victims of <em>identity</em> <em>theft</em> often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their <em>identity</em>, such as legal fees or expenses associated with freezing their <em>credit</em> reports and <em>monitoring</em> their accounts for suspicious activity.\n\n3. Emotional and Psychological Stress Living under the threat of <em>identity</em> <em>theft</em> can lead to considerable emotional distress."]},"sort":[15.521473,"10163359"]},{"_index":"complaint-public-v1","_id":"9709708","_score":15.497808,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at XXXX. In XXXX Of XXXX  I learned that my personal information may have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information.\n\nThe specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information.\n\nImpact on Me : As a result of this breach, 1. Increased Risk of Identity Theft One of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions.\n\n2. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity.\n\n3. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience anxiety, fear, and paranoia about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues.\n\n4. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities.\n\n5. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether.\n\n6. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates.\n\n7. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names.\n\n8. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred.\n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management.\n\nLack of Communication : I feel that XXXX has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves.","date_sent_to_company":"2024-08-05T23:35:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"9709708","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-05T23:35:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Victims of <em>identity</em> <em>theft</em> often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their <em>identity</em>, such as legal fees or expenses associated with freezing their <em>credit</em> reports and <em>monitoring</em> their accounts for suspicious activity.\n\n3. Emotional and Psychological Stress Living under the threat of <em>identity</em> <em>theft</em> can lead to considerable emotional distress."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.497808,"9709708"]},{"_index":"complaint-public-v1","_id":"10184211","_score":15.497808,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at XXXX. In XXXX Of XXXX  I learned that my personal information may have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information. \n\nThe specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information.\n\nImpact on Me : As a result of this breach, 1. Increased Rise rtueuegof Identity Theft One of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions.\n\n2. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity.\n\n3. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience anxiety, fear, and paranoia about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues.\n\n4. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities.\n\n5. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether.\n\n6. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates.\n\n7. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names.\n\n8. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred.\n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management.\n\nLack of Communication : I feel that XXXX has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves.","date_sent_to_company":"2024-09-20T19:27:42.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"10184211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-09-20T19:22:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["Victims of <em>identity</em> <em>theft</em> often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their <em>identity</em>, such as legal fees or expenses associated with freezing their <em>credit</em> reports and <em>monitoring</em> their accounts for suspicious activity.\n\n3. Emotional and Psychological Stress Living under the threat of <em>identity</em> <em>theft</em> can lead to considerable emotional distress."]},"sort":[15.497808,"10184211"]},{"_index":"complaint-public-v1","_id":"9838452","_score":15.472066,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at XXXX. In XXXX Of XXXX I learned that my personal information may have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information.\n\nThe specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information. \nImpact on Me : As a result of this breach, XXXX. Increased Rise XXXX  Identity Theft XXXX of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions. \n\nXXXX. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity. \n\nXXXX. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience anxiety, fear, and paranoia about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues. \n\nXXXX. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities. \n\nXXXX. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether. \n\nXXXX. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates. \n\nXXXX. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names. \n\nXXXX. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred. \n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management. \n\n\nLack of Communication : I feel that XXXX has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves. \nI request that XXXX take immediate action to rectify this situation by : REMOVING ALL ACCOUNTS REQUESTED Providing clear communication about what specific data was compromised. \nOffering free credit monitoring services for affected individuals. \nImplementing stronger security measures to prevent future breaches. \nI appreciate your attention to this matter and look forward to your prompt response.","date_sent_to_company":"2024-08-18T19:51:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76010","tags":null,"has_narrative":true,"complaint_id":"9838452","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-18T19:51:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Victims of <em>identity</em> <em>theft</em> often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their <em>identity</em>, such as legal fees or expenses associated with freezing their <em>credit</em> reports and <em>monitoring</em> their accounts for suspicious activity. \n\nXXXX. Emotional and Psychological Stress Living under the threat of <em>identity</em> <em>theft</em> can lead to considerable emotional distress."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.472066,"9838452"]},{"_index":"complaint-public-v1","_id":"9839771","_score":15.464991,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at TransUnion. In XXXX Of XXXX I learned that my personal information may have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information. \n\nThe specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information. \nImpact on Me : As a result of this breach, XXXX. Increased Rise XXXX  Identity Theft XXXX of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions. \n\nXXXX. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity.\n\n3. Emotional and XXXX Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience anxiety, fear, and paranoia about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues. \n\nXXXX. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether. \n\nXXXX. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable ratesXXXX XXXX. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names. \n\nXXXX. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred. \n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management. \n\n\nLack of Communication : I feel that TransUnion has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves. \nI request that TransUnion take immediate action to rectify this situation by : REMOVING ALL ACCOUNTS REQUESTED Providing clear communication about what specific data was compromised. \nOffering free credit monitoring services for affected individuals. \nImplementing stronger security measures to prevent future breaches. \nI appreciate your attention to this matter and look forward to your prompt response.","date_sent_to_company":"2024-08-18T19:51:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76010","tags":null,"has_narrative":true,"complaint_id":"9839771","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-18T19:51:02.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Victims of <em>identity</em> <em>theft</em> often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their <em>identity</em>, such as legal fees or expenses associated with freezing their <em>credit</em> reports and <em>monitoring</em> their accounts for suspicious activity.\n\n3. 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