{"took":246,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":40,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8259564","_score":21.77525,"_source":{"product":"Debt collection","complaint_what_happened":"Collection Dept. at XXXX XXXX does not answer after sending last XXXX of social, birthdate then to follow up on full social. The incorrect dept. answers only to ask for social security with dogs barking in background. Told them that I didnt feel ok giving my social over the phone so she asked for my full account number at which I do not know because I received no paper work and no validation letter. The partial account numbers from XXXX, XXXX, XXXX would not work on my behalf. So I followed through giving my SS to dog lady only to be hung up on by a recording. I have left XXXX messages with XXXX with call back information that for XXXX weeks. ( Nothing )","date_sent_to_company":"2024-01-31T21:34:19.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"773XX","tags":null,"has_narrative":true,"complaint_id":"8259564","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MERCANTILE ADJUSTMENT BUREAU, LLC","date_received":"2024-01-31T20:59:21.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Collection Dept. at XXXX XXXX does not answer after sending last XXXX of social, <em>birthdate</em> then to follow up on <em>full</em> social. The incorrect dept. answers only to ask for social <em>security</em> with dogs barking in background. Told them that I didnt feel ok giving my social over the phone so she asked for my <em>full</em> <em>account</em> number at which I do not know because I received no paper work and no validation letter. The partial <em>account</em> <em>numbers</em> from XXXX, XXXX, XXXX would not work on my behalf."]},"sort":[21.77525,"8259564"]},{"_index":"complaint-public-v1","_id":"8259728","_score":21.686256,"_source":{"product":"Debt collection","complaint_what_happened":"Collection Dept. at Regional Acceptance does not answer after sending last four of social, birthdate then to follow up on full social. The incorrect dept. answers only to ask for social security with dogs barking in background. Told them that I didnt feel ok giving my social over the phone so she asked for my full account number at which I do not know because I received no paper work and no validation letter. The partial account numbers from XXXX, XXXX, XXXX would not work on my behalf. So I followed through giving my SS to dog lady only to be hung up on by a recording. I have left three messages with recovery with call back information that for three weeks. ( Nothing )","date_sent_to_company":"2024-01-31T21:34:28.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"773XX","tags":null,"has_narrative":true,"complaint_id":"8259728","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2024-01-31T21:34:25.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Collection Dept. at Regional Acceptance does not answer after sending last four of social, <em>birthdate</em> then to follow up on <em>full</em> social. The incorrect dept. answers only to ask for social <em>security</em> with dogs barking in background. Told them that I didnt feel ok giving my social over the phone so she asked for my <em>full</em> <em>account</em> number at which I do not know because I received no paper work and no validation letter. The partial <em>account</em> <em>numbers</em> from XXXX, XXXX, XXXX would not work on my behalf."]},"sort":[21.686256,"8259728"]},{"_index":"complaint-public-v1","_id":"13320757","_score":19.762691,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to concerns regarding inaccurate and unverifiable information being reported by Experian. My personal information was compromised in the widely publicized Equifax data breach, which affected over XXXX XXXX individuals. This breach exposed sensitive data including names, Social Security numbers, birthdates, addresses, and in some cases, credit card and drivers license numbers. \n\nSince that breach, I have experienced repeated issues with unauthorized accounts, inaccurate items, and unverifiable negative tradelines being reported by Experian. Despite my formal disputes, Experian has failed to properly investigate or remove these items, in violation of XXXX guidelines. Given the known exposure of my information, it is unreasonable and negligent for Experian to continue reporting these entries without sufficient documentation or original validation. \n\nI am requesting that Experian : Immediately investigate and delete all unverifiable items, Provide full documentation of any validated tradelines, And comply with XXXX XXXX formatting standards during reinvestigation. \n\nFailure to take action perpetuates harm resulting from the Equifax breach and puts me at continued risk of identity theft and financial damage.","date_sent_to_company":"2025-05-03T11:04:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32210","tags":null,"has_narrative":true,"complaint_id":"13320757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-03T10:48:11.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This breach exposed sensitive data including names, Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, addresses, and in some cases, credit card and drivers license <em>numbers</em>. \n\nSince that breach, I have experienced repeated issues with unauthorized <em>accounts</em>, inaccurate items, and unverifiable negative tradelines being reported by Experian. Despite my formal disputes, Experian has failed to properly investigate or remove these items, in violation of XXXX guidelines."]},"sort":[19.762691,"13320757"]},{"_index":"complaint-public-v1","_id":"11382136","_score":19.146046,"_source":{"product":"Credit card","complaint_what_happened":"On Friday, XX/XX/year>, I received XXXX emails from the Capital One credit card company. The first was received at XXXX, stating that the mobile number required for security purposes had been changed, which was without my consent. The second email, received at XXXX, had stated that I was approved for their XXXXXXXX XXXX XXXX with a spending limit of XXXX XXXX dollars, which I personally did not apply for. The third email, also received at XXXX, had stated that the credit card would be paperless and accesible on the Capital One app, and that the account number ends with XXXX. The fourth and final email, received at XXXX, was an email verifying that I could see and use this credit card through the Capital One app, which I do not have, nor ever had. I tried calling all the numbers associated with security and fraud that were listed on the Capital One website, and I was unable to reach a human representative. However, of the numbers I did call, their general assistance number XXXX ( XXXX ) XXXX directed me to account management, and asked me to provide my social security number to see if I had an account associated with it, to which it said I did not. However, when I went to check if my social security number was used through the official website, it said that it was in use, as well as my full name and birthdate were associated with the account. Of the information that I was able to see, I saw that the current account holder 's phone number ends in XXXX. I then decided to called the governmental fraud department, which then directed me here as they were closed at the time I called.","date_sent_to_company":"2025-01-04T18:29:39.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"224XX","tags":null,"has_narrative":true,"complaint_id":"11382136","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-04T17:50:21.000Z","state":"VA","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["I tried calling all the <em>numbers</em> associated with <em>security</em> and fraud that were listed on the Capital One website, and I was unable to reach a human representative. However, of the <em>numbers</em> I did call, their general assistance number XXXX ( XXXX ) XXXX directed me to <em>account</em> management, and asked me to provide my social <em>security</em> number to see if I had an <em>account</em> associated with it, to which it said I did not."]},"sort":[19.146046,"11382136"]},{"_index":"complaint-public-v1","_id":"2711184","_score":17.582613,"_source":{"product":"Student loan","complaint_what_happened":"I type a full \" box '' describing my complaint and had just started the first few lines in the box requesting the desired outcome. Then suddenly your complaint form disappeared. So, I will try to pick up where I left off XXXX XXXX XXXX. I wish to continue making student loan payments as I have for over ten years to a reputable loan servicer which may or may not be Nelnet in XXXX XXXX. To date, I file a complaint with the Arkansas Attorney General XXXX XXXX XXXX and included the information in the first box ; now disappeared a few minutes ago. We believe the Arkansas XXXX XXXX XXXX ( XXXX XXXX AR ) may have provided our \" private information '' including Soc Security nos. for both me and my wife, birthdates, checking account nos., etc. We worked with AR XXXX last summer XXXX and we were shocked to learn our student loan was placed in forbearance for one year which we did not authorize. In the alternative, Nelnet may have provided our \" private '' information to loan companies like XXXX in California. \n\nYou say not to provide \" your ( our ) name, account no., address, Social Security numbers, etc. So hope someone at CFPB sees this. Very odd.","date_sent_to_company":"2017-10-24T20:36:38.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"72761","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2711184","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2017-10-24T20:11:32.000Z","state":"AR","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["You say not to provide \" your ( our ) name, <em>account</em> no., address, Social <em>Security</em> <em>numbers</em>, etc. So hope someone at CFPB sees this. Very odd."]},"sort":[17.582613,"2711184"]},{"_index":"complaint-public-v1","_id":"2687694","_score":17.142271,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"THE IT SUPPORT OF JP MORGAN CHASE CREDIT CARD HAD REFUSED TO RESEARCHING AND DECODING THEIR SYSTEM ERROR MESSAGE SO THAT WE ARE ABLE TO ACCESS OUR CHASE ACCOUNT. WE HAD REFUSED TO PROVIDE THEIR IT SUPPORT INFORMATION REGARDING OUR MONTHLY MORTGAGE PAYMENTS, ALBEIT OUR NAMES, SOCIAL SECURITY NUMBERS, BIRTHDATES, PERMANENT ADDRESS, AND TELEPHONE NUMBER WERE PROVIDED AND VALIDATED BY THEM. \n\nThis incident occurred since XX/XX/XXXX As of today, we had not heard from Chase Credit Card Headquarters for a resolution. Neither can we access our credit card account. We had brought up the ongoing issue of inaccessibility to our credit card account to their Customer Services when we asked for and approved the monthly billed amounts payments on their phone. They stated that they could not help us since the matter has already turned to their corporate office. It is very frustrating making payments as stated on our billing statements in full but could not access our credit card account to validate the correctness of the charges. ( We always made the billed amount in full for years. ) In the past, Chase Customer Services were able to help us to access our credit card account by providing just our names, social security numbers, birthdates, permanent address and telephone number for our security protection. They had never requested for information regarding our mortgage payments. \n\nOn XXXX XXXX, XXXX, Chase credit card customer service, XXXX assigned an ID # XXXX, which should prompt a screen asking to enter User ID and a new password. We followed her instructions but an error message XXXX, which blocked our accessibility to our credit card account, was shown. XXXX seek help from their IT Support, and she transferred us to IT Support and described the problem to the IT person. \n\nThe IT person took over and asked for names, social security, birthdates, address, and telephone number. Then he asked for our monthly mortgage payment information. We ( both XXXX and XXXX XXXX ) refused to release our mortgage payments information to him. The IT person refused to research and resolve the problem, even though with the given assigned ID # provided by their customer services and the error message XXXX from their system. \n\nWe stated to Chase IT Support that we were not applying for a mortgage loan from Chase nor seeking for refinancing our house. All we wanted was to be able to monitor our credit card transactions to ensure that they are correct and valid. \n\nThe IT person indicated that it was a requirement to answer all questions on a form provided by the credit bureau in the U.S. We asked where his office is located at, and he said he was in the XXXX . Then we asked to speak to an IT Support in the U.S. We were transferred to Chase U.S. , and we explained the issue to the customer service in the U.S. She indicated that Chase IT Support requesting for our mortgage payment was unacceptable, and she immediately escalate the problem to Chase corporate office by filing a complaint on behalf of us. \n\nWe had left messages with XXXX and XXXX at Chase at their given direct number and extension ( XXXX ; ext # XXXX ), to follow up with the status of our filed complaint # XXXX with Chase headquarter, but they did not called us back. \n\nOn XX/XX/XXXX, we received a call from XXXX XXXX from Chase headquarter, in response to our complaint to BBB Delaware. It appears that she was challenging and harassing us instead of helping us to get the issue resolved, so that we gain accessibility to our credit card account. \n\nXXXX XXXX stated that the IT person asking for our monthly mortgage payment had not violated any laws as it was a security question in compliance with the credit bureau. XXXX XXXX stated that we did not provide our monthly mortgage information to the IT person because he was from the XXXX. She asked if we would tell her since she was in the U.S. XXXX XXXX also indicated that we had agreed to the terms stipulated by Chase Credit Card  regarding answering personal information for security protection. ( If possible, review the recorded telephone conversation as XXXX XXXX had indicated. ) We are seeking help from Consumer Financial Protection Bureau because BBB closed our filed complaint stating that JPMorgan Chase Credit Card has sent us a letter, dated XX/XX/XXXXwith a detail resolution. On XX/XX/XXXX, BBB attached the message from JPMorgan Chase Credit Card : We responded to our customers concerns in our letter datedXX/XX/XXXX To protect our customers privacy, we are not provided you with the details of our resolution. Our customer may use their discretion in sharing our response directly with you. \n\nThe fact is JP Morgan Chase Credit Card has not been telling the truth. We did not or had not yet received their stated letter, dated on XX/XX/XXXX, in which they claimed that had given us a detail resolution. \n\nCurrently, we are not able to get hold of BBB since it only provides automatic messages. We sent BBB a fax on Tuesday, XXXX XXXX at XXXX asking them not to close our case based on the message that they received from JPMorgan Chase credit card. We also called and left a message, but did not hear from BBB. \n\nSorry to trouble CFPB, but we are at the end of the rope! Would CFPB help us? Please let us know if we have violated any laws or breach the contract for our refusal to furnish Chase IT Support our mortgage payment information. \n\nWe had never been pressured in giving out our mortgage payment information by any credit card companies other than our names, social security numbers, birthdates, address and telephone number, and sometimes other security questions, such as school name, pets name. \n\nCFPB had our authorization to obtain the letter, dated XX/XX/XXXX with a detail resolution from JPMorgan Chase Credit Card. Please send us a copy so that we can see what it was about and their resolution. Thanks! \n\nXXXX and XXXX XXXX","date_sent_to_company":"2017-10-16T13:33:30.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"94510","tags":null,"has_narrative":true,"complaint_id":"2687694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-09-28T18:23:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["It is very frustrating making payments as stated on our billing statements in <em>full</em> but could not access our credit card <em>account</em> to validate the correctness of the charges. ( We always made the billed amount in <em>full</em> for years. ) In the past, Chase Customer Services were able to help us to access our credit card <em>account</em> by providing just our names, social <em>security</em> <em>numbers</em>, <em>birthdates</em>, permanent address and telephone number for our <em>security</em> protection."]},"sort":[17.142271,"2687694"]},{"_index":"complaint-public-v1","_id":"13793812","_score":15.9836235,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally express my concern and dissatisfaction regarding the Equifax data breach that occurred in XXXX which compromised the personal information of over 147 million individuals, including myself. \n\nEquifax, as a credit reporting agency, holds a significant amount of sensitive personal and financial data, including Social Security numbers, birthdates, and credit history. The failure to adequately protect this data, and the delay in notifying affected individuals, is a serious violation of consumer trust and data protection responsibility. The account needs to be deleted from my report reporting XXXX dollars. according to the FCRA 15. U.S.C 1692 ( C ) this account needs to be removed at once.\n\nDespite the breach having occurred several years ago, its consequences continue to affect consumers like me. The exposure of such personal information increases the risk of identity theft and financial fraud, and Equifax has not provided sufficient long-term support or compensation for those affected. \n\nI am particularly concerned about the following : Lack of adequate cybersecurity protections that led to the breach. \n\nDelayed notification to consumers about the exposure of their data. \n\nInsufficient remediation, such as limited-time credit monitoring instead of long-term identity protection. \n\nLack of transparency and accountability regarding the breach 's full scope and aftermath. \n\nI urge your office to hold Equifax accountable and ensure that measures are taken to protect consumer data more effectively in the future. I also request that Equifax offer extended identity theft protection to affected individuals at no cost, given the long-term nature of the risk. \n\nThank you for your attention to this matter. I look forward to your response and action","date_sent_to_company":"2025-05-29T09:28:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"53225","tags":null,"has_narrative":true,"complaint_id":"13793812","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-29T09:23:18.000Z","state":"WI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Equifax, as a credit reporting agency, holds a significant amount of sensitive personal and financial data, including Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, and credit history. The failure to adequately protect this data, and the delay in notifying affected individuals, is a serious violation of consumer trust and data protection responsibility. The <em>account</em> needs to be deleted from my report reporting XXXX dollars. according to the FCRA 15."]},"sort":[15.9836235,"13793812"]},{"_index":"complaint-public-v1","_id":"14371625","_score":15.41943,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX  XXXX XXXX, I am writing to formally dispute certain negative items on my credit report that I believe may be inaccurate and unfairly reported due to the XXXX  XXXX breach. \n\nAs you are aware, in XXXX XXXX  suffered a data breach that exposed sensitive personal informationincluding Social Security numbers, birthdates, and credit dataof over XXXX XXXX consumers, including myself. Given the scale and nature of this breach, and that my personal data was compromised, I have reason to believe that one or more negative accounts on my credit file may have resulted from identity theft, fraud, or incorrect reporting stemming from that breach. \n\nPlease conduct a full reinvestigation of the following items and remove them if they can not be verified with original signed documentation directly from the original creditor : National Credit Adjusters Account # XXXX ( first four digits ) last two digits are XXXX Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the maximum possible accuracy of the data you report. Given XXXX responsibility in the breach, and the potential that these negative items may have resulted from fraudulent use of my information, I request an immediate investigation and removal of these accounts if any aspect can not be fully verified. \n\n\nPlease respond to this dispute in writing within the legally required time frame of 15 days. I am also requesting a copy of my updated credit report once your investigation is complete. \nThank you for your prompt attention to this matter. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-30T18:14:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"Payday loan debt","zip_code":"37421","tags":null,"has_narrative":true,"complaint_id":"14371625","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Adjusters, LLC","date_received":"2025-06-30T18:08:36.000Z","state":"TN","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["As you are aware, in XXXX XXXX  suffered a data breach that exposed sensitive personal informationincluding Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, and credit dataof over XXXX XXXX consumers, including myself. Given the scale and nature of this breach, and that my personal data was compromised, I have reason to believe that one or more negative <em>accounts</em> on my credit file may have resulted from identity theft, fraud, or incorrect reporting stemming from that breach."]},"sort":[15.41943,"14371625"]},{"_index":"complaint-public-v1","_id":"14371326","_score":15.021323,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Dear XXXX  Dispute Department, I am writing to formally dispute certain negative items on my credit report that I believe may be inaccurate and unfairly reported due to the XXXX  data breach. \n\nAs you are aware, in XXXX XXXX  suffered a data breach that exposed sensitive personal informationincluding Social Security numbers, birthdates, and credit dataof over XXXX XXXX consumers, including myself. Given the scale and nature of this breach, and that my personal data was compromised, I have reason to believe that one or more negative accounts on my credit file may have resulted from identity theft, fraud, or incorrect reporting stemming from that breach. \n\nPlease conduct a full reinvestigation of the following items and remove them if they can not be verified with original signed documentation directly from the original creditor : LVNV Funding LLC Account # XXXX XXXX XXXX XXXX Account # XXXX ( first four digits ) last two digits are XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX- Account # XXXX Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the maximum possible accuracy of the data you report. Given XXXX responsibility in the breach, and the potential that these negative items may have resulted from fraudulent use of my information, I request an immediate investigation and removal of these accounts if any aspect can not be fully verified. \n\n\nPlease respond to this dispute in writing within the legally required time frame of 30 days. I am also requesting a copy of my updated credit report once your investigation is complete. \nThank you for your prompt attention to this matter. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-30T18:05:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"37421","tags":null,"has_narrative":true,"complaint_id":"14371326","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-06-30T17:43:29.000Z","state":"TN","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["As you are aware, in XXXX XXXX  suffered a data breach that exposed sensitive personal informationincluding Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, and credit dataof over XXXX XXXX consumers, including myself. Given the scale and nature of this breach, and that my personal data was compromised, I have reason to believe that one or more negative <em>accounts</em> on my credit file may have resulted from identity theft, fraud, or incorrect reporting stemming from that breach."]},"sort":[15.021323,"14371326"]},{"_index":"complaint-public-v1","_id":"11470401","_score":13.937783,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all XXXX transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX ) who has in turn allowed other entities to also access their report without my consent. \n\nWells Fargo Central Region ( I have NEVER had an account with this institution ) : disclosed/reported 2 ACH transactions on XXXX XXXX  report. \n\nThis is a violation of my privacy rights under The Privacy Act of 1974 which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681. \n\nI am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : XXXX My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing.\n\n408.680 Financial institutions may not disclose, exception : 408.675 as outlined above.\n\n408.682 Customer authorization required.\n\n408.689 Transfer of records to additional agency allowed when 14-day notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any 3rd parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX XXXX whom I trusted. I also have an account with another XXXX XXXX that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.","date_sent_to_company":"2025-01-10T05:25:01.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"63367","tags":null,"has_narrative":true,"complaint_id":"11470401","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-01-10T05:20:12.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social <em>Security</em> Number, <em>Birthdate</em>, <em>Full</em> Bank <em>Account</em> <em>Numbers</em>, Banking transaction history dating back to XXXX including all XXXX transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX ) who has in turn allowed other entities to also access their report without my consent."]},"sort":[13.937783,"11470401"]},{"_index":"complaint-public-v1","_id":"11460856","_score":13.937783,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all ACH transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX  ) who has in turn allowed other entities to also access their report without my consent. \n\nBank of America North Carolina ( I have NEVER had an account with this institution ) : disclosed/reported 19 ACH transactions on XXXX XXXX report. \n\nThis is a violation of my privacy rights under The Privacy Act of 1974 which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681. \n\nI am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : XXXX My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing. \n\nXXXX Financial institutions may not disclose, exception : XXXX as outlined above. \n\nXXXX Customer authorization required. \n\nXXXX Transfer of records to additional agency allowed when XXXX notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any XXXX parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX XXXX whom I trusted. I also have an account with another Credit Union that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.","date_sent_to_company":"2025-01-10T05:05:30.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"63367","tags":null,"has_narrative":true,"complaint_id":"11460856","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-01-10T04:52:38.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social <em>Security</em> Number, <em>Birthdate</em>, <em>Full</em> Bank <em>Account</em> <em>Numbers</em>, Banking transaction history dating back to XXXX including all ACH transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX  ) who has in turn allowed other entities to also access their report without my consent."]},"sort":[13.937783,"11460856"]},{"_index":"complaint-public-v1","_id":"11472354","_score":13.917825,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Following Financial Institutions have violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all XXXX transactions which include direct deposit amounts from my employer. This information was disclosed to a XXXX party company ( XXXX XXXX  ) who has in turn allowed other entities to also access their report without my consent.\n\nNavy Federal who is my banking institution : disclosed/reported XXXX XXXX transactions since XXXX, my complete social security number, drivers license number, full bank account numbers for both of my accounts, and return transactions. \n\nXXXX XXXX  XXXX North Carolina ( I have NEVER had an account with this institution ) : disclosed/reported XXXX XXXX  transactions on XXXX XXXX report. \n\nXXXX XXXX XXXX ( I have NEVER had an account with this institution ) : disclosed/reported XXXX XXXX transactions on XXXX XXXX report. \n\nXXXX XXXX XXXX XXXX ( I have NEVER had an account with this institution ) : disclosed/reported XXXX XXXX transactions XXXX XXXX XXXX report. \n\nXXXX XXXX XXXX ( I have NEVER had an account with this institution ) : disclosed/reported XXXX ACH transactions on XXXX XXXX report. \n\nXXXX XXXX ( I have NEVER had an account with this institution ) : disclosed/reported XXXX transactions on XXXX XXXX report. \n\nXXXX XXXX : Has also violated my privacy rights. By their own admission in their report, they allowed the report to be accessed ( inquiries ) XXXX times in the last 36 months by other institutions who I have no financial obligations and certain did not and would not allow these institutions access to my entire financial history and personal identifying information. \n\nThis is a violation of my privacy rights under The Privacy Act of XXXX which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681.\n\nI am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed without my consent by a Governmental agency when then Government Authority seeking has given notice in writing. \n\nXXXX Financial institutions may not disclose, exception : XXXX as outlined above. \nXXXX Customer authorization required. \nXXXX Transfer of records to additional agency allowed when XXXX notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry. \n\nI did not consent to sharing my financial history or personal identifying information with any XXXX parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX ) whom I trusted. I also have an account with another XXXX XXXX that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.","date_sent_to_company":"2025-01-10T04:26:26.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"63367","tags":null,"has_narrative":true,"complaint_id":"11472354","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-01-10T04:08:11.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Navy Federal who is my banking institution : disclosed/reported XXXX XXXX transactions since XXXX, my complete social <em>security</em> number, drivers license number, <em>full</em> bank <em>account</em> <em>numbers</em> for both of my <em>accounts</em>, and return transactions. \n\nXXXX XXXX  XXXX North Carolina ( I have NEVER had an <em>account</em> with this institution ) : disclosed/reported XXXX XXXX  transactions on XXXX XXXX report."]},"sort":[13.917825,"11472354"]},{"_index":"complaint-public-v1","_id":"11470360","_score":13.891936,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all ACH transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX  ) who has in turn allowed other entities to also access their report without my consent.\n\nCentral Bank ( I have NEVER had an account with this institution ) : disclosed/reported XXXX transactions on XXXX XXXX report. \n\nThis is a violation of my privacy rights under The Privacy Act of XXXX which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681.\n\nI am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing.\n\n408.680 Financial institutions may not disclose, exception : 408.675 as outlined above.\n\n408.682 Customer authorization required.\n\n408.689 Transfer of records to additional agency allowed when 14-day notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any 3rd parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX XXXX whom I trusted. I also have an account with another Credit Union that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.","date_sent_to_company":"2025-01-10T05:39:00.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"63367","tags":null,"has_narrative":true,"complaint_id":"11470360","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CENTRAL BANCOMPANY, INC","date_received":"2025-01-10T05:33:51.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social <em>Security</em> Number, <em>Birthdate</em>, <em>Full</em> Bank <em>Account</em> <em>Numbers</em>, Banking transaction history dating back to XXXX including all ACH transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX  ) who has in turn allowed other entities to also access their report without my consent."]},"sort":[13.891936,"11470360"]},{"_index":"complaint-public-v1","_id":"11472622","_score":13.874408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all ACH transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX ) who has in turn allowed other entities to also access their report without my consent. \n\nXXXX XXXX XXXX  ( I have NEVER had an account with this institution ) : disclosed/reported XXXX ACH transactions on XXXX XXXX report. \n\nThis is a violation of my privacy rights under The Privacy Act of 1974 which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681. \n\nI am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing. \n\n408.680 Financial institutions may not disclose, exception : 408.675 as outlined above. \n\n408.682 Customer authorization required. \n\n408.689 Transfer of records to additional agency allowed when 14-day notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any 3rd parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX ) whom I trusted. I also have an account with another Credit Union that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.","date_sent_to_company":"2025-01-10T05:17:44.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"63367","tags":null,"has_narrative":true,"complaint_id":"11472622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-10T05:10:49.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social <em>Security</em> Number, <em>Birthdate</em>, <em>Full</em> Bank <em>Account</em> <em>Numbers</em>, Banking transaction history dating back to XXXX including all ACH transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX ) who has in turn allowed other entities to also access their report without my consent."]},"sort":[13.874408,"11472622"]},{"_index":"complaint-public-v1","_id":"11470392","_score":13.874408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all XXXX transactions which include direct deposit amounts from my employer. This information was disclosed to a XXXX party company ( XXXX XXXX ) who has in turn allowed other entities to also access their report without my consent. \n\nCapital One 360 ( I have NEVER had an account with this institution ) : disclosed/reported XXXX ACH transactions on XXXX XXXX report. \n\nThis is a violation of my privacy rights under The Privacy Act of 1974 which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681.\n\nI am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing.\n\n408.680 Financial institutions may not disclose, exception : 408.675 as outlined above.\n\n408.682 Customer authorization required.\n\n408.689 Transfer of records to additional agency allowed when 14-day notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any 3rd parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX XXXX whom I trusted. I also have an account with another XXXX XXXX that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.","date_sent_to_company":"2025-01-10T05:31:32.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"63367","tags":null,"has_narrative":true,"complaint_id":"11470392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-10T05:27:08.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social <em>Security</em> Number, <em>Birthdate</em>, <em>Full</em> Bank <em>Account</em> <em>Numbers</em>, Banking transaction history dating back to XXXX including all XXXX transactions which include direct deposit amounts from my employer. This information was disclosed to a XXXX party company ( XXXX XXXX ) who has in turn allowed other entities to also access their report without my consent."]},"sort":[13.874408,"11470392"]},{"_index":"complaint-public-v1","_id":"12090256","_score":13.376449,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Learned of the Equifax Data Breach that occurred XXXX went to website eligibility.equifaxbreachsettlement.com and received a message our records indicate your personal information was impacted by this incident. For assisted identity restoration services, please call Experian at XXXX and provide engagement number XXXX, The data breached was Social Security numbers, birthdates, addresses and drivers license numbers. Upon pulling my 3 full credit reports I discovered lots of accounts I did not request or sign up for. I also identified numerous addresses and phone numbers that I am unaware of. Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$1100.00} Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$510.00} Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$650.00} Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX https : //www.identitytheft.gov/dashboard XXXX Fraudulent Information on Credit Reports Account Number XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$690.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} FTC Report XXXX 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. My information was exposed in a data breach and this information must be removed.","date_sent_to_company":"2025-02-22T02:01:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78240","tags":null,"has_narrative":true,"complaint_id":"12090256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-16T02:06:12.000Z","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":["For assisted identity restoration services, please call Experian at XXXX and provide engagement number XXXX, The data breached was Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, addresses and drivers license <em>numbers</em>. Upon pulling my 3 <em>full</em> credit reports I discovered lots of <em>accounts</em> I did not request or sign up for. I also identified numerous addresses and phone <em>numbers</em> that I am unaware of."]},"sort":[13.376449,"12090256"]},{"_index":"complaint-public-v1","_id":"12090265","_score":13.363585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Learned of the Equifax Data Breach that occurred XXXX went to website eligibility.equifaxbreachsettlement.com and received a message our records indicate your personal information was impacted by this incident. For assisted identity restoration services, please call Experian at XXXX and provide engagement number XXXX, The data breached was Social Security numbers, birthdates, addresses and drivers license numbers. Upon pulling my 3 full credit reports I discovered lots of accounts I did not request or sign up for. I also identified numerous addresses and phone numbers that I am unaware of. Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$1100.00} Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$510.00} Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$650.00} Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX https : //www.identitytheft.gov/dashboard XXXX Fraudulent Information on Credit Reports Account Number XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$690.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} FTC Report XXXX 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. My information was exposed in a data breach and this information must be removed.","date_sent_to_company":"2025-02-22T02:01:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78240","tags":null,"has_narrative":true,"complaint_id":"12090265","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-16T01:07:53.000Z","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":["For assisted identity restoration services, please call Experian at XXXX and provide engagement number XXXX, The data breached was Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, addresses and drivers license <em>numbers</em>. Upon pulling my 3 <em>full</em> credit reports I discovered lots of <em>accounts</em> I did not request or sign up for. I also identified numerous addresses and phone <em>numbers</em> that I am unaware of."]},"sort":[13.363585,"12090265"]},{"_index":"complaint-public-v1","_id":"12090259","_score":13.323892,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Learned of the Equifax Data Breach that occurred XXXX went to website eligibility.equifaxbreachsettlement.com and received a message our records indicate your personal information was impacted by this incident. For assisted identity restoration services, please call Experian at XXXX and provide engagement number XXXX, The data breached was Social Security numbers, birthdates, addresses and drivers license numbers. Upon pulling my 3 full credit reports I discovered lots of accounts I did not request or sign up for. I also identified numerous addresses and phone numbers that I am unaware of. Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$1100.00} Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$510.00} Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$650.00} Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX https : //www.identitytheft.gov/dashboard XXXX Fraudulent Information on Credit Reports Account Number XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$690.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} FTC Report XXXX 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. My information was exposed in a data breach and this information must be removed.","date_sent_to_company":"2025-02-22T02:01:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78240","tags":null,"has_narrative":true,"complaint_id":"12090259","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-16T02:06:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["For assisted identity restoration services, please call Experian at XXXX and provide engagement number XXXX, The data breached was Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, addresses and drivers license <em>numbers</em>. Upon pulling my 3 <em>full</em> credit reports I discovered lots of <em>accounts</em> I did not request or sign up for. I also identified numerous addresses and phone <em>numbers</em> that I am unaware of."]},"sort":[13.323892,"12090259"]},{"_index":"complaint-public-v1","_id":"11472621","_score":12.967039,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all XXXX transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX ) who has in turn allowed other entities to also access their report without my consent. \n\nXXXX XXXX : Has also violated my privacy rights. By their own admission in their report, they allowed the report to be accessed ( inquiries ) 23 times in the last 36 months by other institutions who I have no financial obligations and certainly did not and would not allow these institutions access to my entire financial history and personal identifying information. \n\nThis is a violation of my privacy rights under The Privacy Act of 1974 which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681. \n\nI am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing. \n\n408.680 Financial institutions may not disclose, exception : 408.675 as outlined above.\n\n408.682 Customer authorization required.\n\n408.689 Transfer of records to additional agency allowed when 14-day notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any 3rd parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX ) whom I trusted. I also have an account with another Credit Union that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.","date_sent_to_company":"2025-01-10T05:46:00.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"63367","tags":null,"has_narrative":true,"complaint_id":"11472621","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-10T05:40:35.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social <em>Security</em> Number, <em>Birthdate</em>, <em>Full</em> Bank <em>Account</em> <em>Numbers</em>, Banking transaction history dating back to XXXX including all XXXX transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX ) who has in turn allowed other entities to also access their report without my consent."]},"sort":[12.967039,"11472621"]},{"_index":"complaint-public-v1","_id":"4035705","_score":12.493546,"_source":{"product":"Debt collection","complaint_what_happened":"LVNV Funding/ XXXX  , XXXX  and XXXX  Credit Reporting Agency The Fair Debt Collection Practices Act Letter This is a DEMAND for DELETION of inaccurate and according to the statue 602 you Must DELETE inaccurate Information according to The Federal Consumer Protection. This is a direct violation. I am also requesting my FULL file as I have the right to ask for. \nI XXXX XXXX am also requesting a FULL Consumer Discloser Report. You Have five days to respond. I need all credit reports to match Disputer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ga. XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX , PAXXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX SC XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Ga XXXX Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX CC : Consumer Financial Protection Bureau Consumerfinance.gov XXXX XXXX XXXX  has been deleted from my credit report as of XX/XX/XXXX per XXXX  so why is this on my report under another name with LVNV Funding. This is showing CLOSED, Charged OFF, USAGE 129 %, and REVOLVING at the same time!!!! Theres no original creditor, even though I have requested several times. No one has sent a original contract with my signature nor has LVNV Funding and I have requested several times. This account is updated account type- Credit Card- Revolving Terms, account Status CLOSED Payment Status CHARGED_OFF. \nThis should be showing DELETED from my credit report per XXXX  on XX/XX/XXXX. I have enclosed copy. \nI am in distress and have trauma from these companies and the lies and deceit I will seek damages. I am requesting the Original CONTRACT called the purchased agreement from XXXX XXXX XXXX. I need evidence. Whats the scheduled payment, what is the payment history theres no payment history but showing missed payments I have attached a 24-month payment history and several letters from XXXX XXXX XXXX. \nI am requesting that this item be deleted from my credit report and I am requesting that it stays off because this is the fourth time I am disputing this credit report and addressing the company. \nValidate this account, which is XXXX XXXX XXXX LVNV Funding. And the ownership of this account. I XXXX XXXX disputed this account several times with all three reporting agencies. with the account, according to LVNV Funding, XXXX XXXX XXXX, balance {$590.00} with partial account numbers # XXXX. What is the full account number? I am requesting an investigation and my signatures from this debt from the original document. This collection is showing resolved as of XX/XX/XXXX, per the XXXX credit report. I have never done any business with this agency. There are no account number or any valid information. Please delete from my credit file. \nThis is to verify my name and address : Email Address-XXXX Name : XXXX XXXX XXXX XXXX Social Security Numbers and birthdates Current Address : XXXX XXXX XXXX XXXX XXXX XXXX , GaXXXX XXXX Last Address : XXXX XXXX XXXX XXXX XXXX , Ga. XXXX Please remove all other addresses the addresses I XXXX XXXX am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher contacted and phone numbers and their reply. \nAccording, to the ( FAIR CREDIT REPORTING ACT ) which promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies, XXXX, XXXX  and XXXX. \nI, after the several REINVESTIGATIONS I have submitted, I am requesting that a revised credit file to be sent to all companies for new deletions for inaccurate and invalid information. \nAGAIN, I AM REQESTING YOUR INVESTIGATION PROCEDURE as well as my file disclosure because according to FCRA, I have a right to know. \nI again request that these inaccurate ( false, inaccurate Information be REMOVED from My account and CREDIT report. \n\nXXXX XXXX","date_sent_to_company":"2020-12-29T06:05:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"30096","tags":null,"has_narrative":true,"complaint_id":"4035705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2020-12-29T00:33:33.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["There are no <em>account</em> number or any valid information. Please delete from my credit file. \nThis is to verify my name and address : Email Address-XXXX Name : XXXX XXXX XXXX XXXX Social <em>Security</em> <em>Numbers</em> and <em>birthdates</em> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX , GaXXXX XXXX Last Address : XXXX XXXX XXXX XXXX XXXX , Ga."]},"sort":[12.493546,"4035705"]},{"_index":"complaint-public-v1","_id":"15927561","_score":12.302502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX post XXXX XXXX # XXXX XXXX, Tx XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX am formally disputing the accuracy, completeness, and verifiability of the following two XXXX  XXXX accounts being reported on my credit file with your bureau ( s ) : Account No. XXXX reported with a {$500.00} limit and listed as a charge-off. \nAccount XXXX. XXXX reported with a {$1700.00} limit, opened XX/XX/XXXX. \nInquiry : XXXX Date : XX/XX/XXXX Inquiry : XXXX AUTO Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX  XXXX : XX/XX/XXXX Inquiry : XXXX Date : XX/XX/XXXX This is my second and final request. My previous dispute was submitted on XX/XX/XXXX. Instead of receiving full validation as required by law, I was sent only generic letters, which do not satisfy federal requirements. \n\nLegal Basis and Validation Demands Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ), I am requesting complete validation of these accounts, including but not limited to : 1.A copy of the original signed application/contract bearing my signature.\n\n2.A full itemized account history ( all debits, credits, interest, fees, charges, and payments ). \n3Proof that XXXX XXXX lawfully owns and is authorized to collect and report these accounts. \n4.Documentation establishing an unbroken chain of title/assignment if the accounts were transferred.\n\n5.Evidence that your bureau conducted a reasonable reinvestigation with actual documentation from the furnisher, not just automated responses. \n\nIf these accounts were applied online, provide all supporting evidence associated with the application, including : IP address ( es ) used to submit the application Device information and browser fingerprints Email confirmations and timestamps Any electronic signatures or click-through confirmations Failure to provide this information means you are knowingly reporting unverifiable information, which violates FCRA 607 ( b ) ( maximum possible accuracy ).\n\nData Breaches and Consumer Risk I must also highlight that my personal information has already been compromised in multiple breaches : Equifax ( XXXX ) exposed Social Security numbers, birthdates, and financial data of over XXXX XXXX consumers. \nXXXX XXXX  XXXX ) exposed tens of millions of consumer records, including credit data. \nXXXX XXXX XXXX  XXXX ) exposed over XXXX XXXX applications, credit scores, and Social Security numbers. \nTransUnion ( XX/XX/XXXX ) exposed approximately XXXX XXXX XXXX consumers personal data, including names, Social Security numbers, and dates of birth, due to a third-party system breach. \n\nLegal Basis for My Demands Verification Requirement FCRA 611 ( 15 U.S.C. 1681i ) You must conduct a reasonable reinvestigation of each disputed item. If the furnisher can not provide legal documentation bearing my signature or valid authorization, you are required by law to delete the item immediately. \nDuty of Accuracy FCRA 623 ( 15 U.S.C. 1681s-2 ) Information reported without proper verification, or continued reporting after a dispute, constitutes a direct violation of your statutory obligations. \nHeightened Scrutiny Due to Data Breach Given TransUnions recent security breach, the risk of identity theft and fraudulent reporting has materially increased. This places an even higher duty on your agency to ensure all data is fully verified, accurate, and free from compromise. Any unverifiable data must be deleted to protect the integrity of my file. \nLiability for Noncompliance FCRA XXXX Willful or negligent failure to comply with your obligations subjects you to liability for statutory damages ( {$1000.00} per violation ), actual damages, punitive damages, attorneys fees, and court costs. \nTimeframe to Respond FCRA 611 ( a ) ( 1 ) ( A ) You are required to complete your reinvestigation within 30 days of receiving this letter. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential civil action in federal court. \n\nAction Required Delete all accounts, inquiries, and information that can not be fully verified with proper documentation. \nProvide me with an updated credit report reflecting these corrections. \nConfirm in writing that unverifiable or fraudulent items will not reappear in my file. \n\nI have enclosed documentation showing that my information is present on the Dark Web as a direct result of these breaches. Continued reporting of unverifiable accounts places me at further risk of fraud and identity theft. \nNon-Compliance and Escalation This is my last attempt to resolve this matter directly. If these accounts are not properly validated or immediately deleted, I will escalate this case to the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the Comptroller of the Currency ( XXXX ) XXXX Attorney XXXX XXXX Any other regulatory and enforcement authorities Be advised : Failure to comply with the FCRA, FACTA, and FDCPA ( as applicable ) subjects you to civil liability under 15 U.S.C. 1681n, 1681o, and 1692k, including statutory damages, actual damages, attorneys fees, and court costs.\n\nEnclosures I have provided the following evidence with this letter : Government-issued photo ID Proof of residence Screenshots of my credit report reflecting the disputed accounts Screenshots showing my personal data on the dark web Copy of my prior dispute dated XX/XX/XXXX and XX/XX/XXXX Final Demand If you can not provide the complete legal validation requested above, you are required by law to delete these XXXX XXXXXXXX accounts and Inquiries from my credit file immediately. \n\nPlease provide a full written response within 15 days of receipt. Failure to do so will confirm your non-compliance and will be used as evidence in my complaints to the CFPB, FTC, and other legal entities.","date_sent_to_company":"2025-09-14T21:28:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77056","tags":null,"has_narrative":true,"complaint_id":"15927561","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-14T21:04:20.000Z","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":["Data Breaches and Consumer Risk I must also highlight that my personal information has already been compromised in multiple breaches : Equifax ( XXXX ) exposed Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, and financial data of over XXXX XXXX consumers. \nXXXX XXXX  XXXX ) exposed tens of millions of consumer records, including credit data. \nXXXX XXXX XXXX  XXXX ) exposed over XXXX XXXX applications, credit scores, and Social <em>Security</em> <em>numbers</em>."]},"sort":[12.302502,"15927561"]},{"_index":"complaint-public-v1","_id":"15928635","_score":12.265391,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am formally disputing the accuracy, completeness, and verifiability of the following XXXX XXXX XXXX accounts being reported on my credit file with your bureau ( s ) : Account No. XXXX reported with a {$500.00} limit and listed as a charge-off. \nAccount No. XXXX reported with a {$1700.00} limit, opened XX/XX/XXXX. \nInquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX This is my second and final request. My previous dispute was submitted on XX/XX/XXXX. Instead of receiving full validation as required by law, I was sent only generic letters, which do not satisfy federal requirements. \nLegal Basis and Validation Demands Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ), I am requesting complete validation of these accounts, including but not limited to : A copy of the original signed application/contract bearing my signature. \nA full-itemized account history ( all debits, credits, interest, fees, charges, and payments ). \nProof that XXXX XXXX lawfully owns and is authorized to collect and report these accounts. \nDocumentation establishing an unbroken chain of title/assignment if the accounts were transferred. \nEvidence that your bureau conducted a reasonable reinvestigation with actual documentation from the furnisher, not just automated responses. \nIf these accounts were applied online, provide all supporting evidence associated with the application, including : IP address ( es ) used to submit the application Device information and browser fingerprints Email confirmations and timestamps Any electronic signatures or click-through confirmations Failure to provide this information means you are knowingly reporting unverifiable information, which violates FCRA 607 ( b ) ( maximum possible accuracy ). \nData Breaches and Consumer Risk I must also highlight that my personal information has already been compromised in multiple breaches : Equifax ( XXXX ) exposed Social Security numbers, birthdates, and financial data of over XXXX XXXX consumers. \nXXXX  ( XXXX ) exposed tens of millions of consumer records, including credit data. \nXXXX  XXXX ( XXXX ) exposed over XXXX XXXX applications, credit scores, and Social Security numbers. \nXXXX  ( XX/XX/XXXX ) exposed approximately XXXX XXXX XXXX consumers personal data, including names, Social Security numbers, and dates of birth, due to a third-party system breach. \n\nLegal Basis for My Demands Verification Requirement FCRA 611 ( 15 U.S.C. 1681i ) You must conduct a reasonable reinvestigation of each disputed item. If the furnisher can not provide legal documentation bearing my signature or valid authorization, you are required by law to delete the item immediately. \nDuty of Accuracy FCRA 623 ( 15 U.S.C. 1681s-2 ) Information reported without proper verification, or continued reporting after a dispute, constitutes a direct violation of your statutory obligations. \nHeightened Scrutiny Due to Data Breach Given XXXX  recent security breach, the risk of identity theft and fraudulent reporting has materially increased. This places an even higher duty on your agency to ensure all data is fully verified, accurate, and free from compromise. Any unverifiable data must be deleted to protect the integrity of my file. \nLiability for Noncompliance FCRA XXXX Willful or negligent failure to comply with your obligations subjects you to liability for statutory damages ( {$1000.00} per violation ), actual damages, punitive damages, attorneys fees, and court costs. \nTimeframe to Respond FCRA 611 ( a ) ( 1 ) ( A ) You are required to complete your reinvestigation within 30 days of receiving this letter. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential civil action in federal court. \n\nAction Required Delete all accounts, inquiries, and information that can not be fully verified with proper documentation. \nProvide me with an updated credit report reflecting these corrections. \nConfirm in writing that unverifiable or fraudulent items will not reappear in my file. \n\nI have enclosed documentation showing that my information is present on the Dark Web as a direct result of these breaches. Continued reporting of unverifiable accounts places me at further risk of fraud and identity theft. \nNon-Compliance and Escalation This is my last attempt to resolve this matter directly. If these accounts are not properly validated or immediately deleted, I will escalate this case to the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the Comptroller of the Currency ( OCC ) State Attorney Generals Office Any other regulatory and enforcement authorities Be advised : Failure to comply with the FCRA, FACTA, and FDCPA ( as applicable ) subjects you to civil liability under 15 U.S.C. 1681n, 1681o, and 1692k, including statutory damages, actual damages, attorneys fees, and court costs.\n\nEnclosures I have provided the following evidence with this letter : Government-issued photo ID Proof of residence Screenshots of my credit report reflecting the disputed accounts Screenshots showing my personal data on the dark web Copy of my prior dispute dated XX/XX/XXXX and XX/XX/XXXX Final Demand If you can not provide the complete legal validation requested above, you are required by law to delete these XXXX  XXXX accounts and Inquiries from my credit file immediately. \nPlease provide a full written response within 15 days of receipt. Failure to do so will confirm your non-compliance and will be used as evidence in my complaints to the CFPB, FTC, and other legal entities.","date_sent_to_company":"2025-09-14T21:45:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77056","tags":null,"has_narrative":true,"complaint_id":"15928635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-14T21:28:56.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Data Breaches and Consumer Risk I must also highlight that my personal information has already been compromised in multiple breaches : Equifax ( XXXX ) exposed Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, and financial data of over XXXX XXXX consumers. \nXXXX  ( XXXX ) exposed tens of millions of consumer records, including credit data. \nXXXX  XXXX ( XXXX ) exposed over XXXX XXXX applications, credit scores, and Social <em>Security</em> <em>numbers</em>."]},"sort":[12.265391,"15928635"]},{"_index":"complaint-public-v1","_id":"2755281","_score":11.883354,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Credit Bureau : Equifax , Inc . \nProduct : Equifax Complete Family Plan Amount Paid : {$270.00} Date Annual Subscription Paid : XXXX/XXXX/XXXX Problem : My wife and I had identity theft in XXXX, when a fake tax return was filed to the IRS. The fake return included our social security numbers, birthdates and home address. We purchased the Equifax product listed above, with the primary purpose to get automatic fraud alerts placed every 90 days with the three primary credit bureaus. The service seemed to work fine, and I renewed our annual subscription on XXXX/XXXX/XXXX for the amount of {$270.00}. The products dashboard showed \" green '' for \" Automatic Fraud Alerts '' being properly set for both myself and my wife. However, last week, on XXXX XXXX, I clicked on the settings for Auto Fraud Alerts, and I was disappointed to learn that Auto Fraud Alerts had an error, and the last fraud alert had been sent on XXXX/XXXX/XXXX for my account, and had expired on XXXX/XXXX/XXXX ( prior to my renewal ). A screenshot is attached. A new fraud alert had never been set with Equifax or with XXXX or XXXX. The same was true for my wife. For all of XXXX, I had the false impression that Automatic Fraud Alert was on, because the dashboard was green. But the screenshot shows the alerts were not set. \n\nThe primary reason I had purchased this product was to get the auto fraud alerts. On XXXX XXXX, I pulled my credit reports for all three bureaus, and confirmed that Fraud Alert had not been set by Equifax on any of the three credit reports. As a result, since this service is not delivering what it promises, I decided to cancel my subscription on XXXX XXXX. Equifax will cancel my subscription starting XXXX XXXX. They will not refund me the total amount. They will only refund me for the 4 unused months between XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. \n\nMY PROBLEM IS Equifax will not refund me for the full annual subscription amount I paid. I asked Equifax to provide me a full refund, because Equifax failed to deliver the Auto Fraud Alert service since the beginning of my current subscription. Equifax refuses to do so. They will only refund me for the amount of time remaining on my subscription until it expires. Even though they failed to deliver the Fraud Alert setting service since XXXX/XXXX/XXXX, they refuse to refund me for the full amount, claiming \" they are unable to do so ''. It is unreasonable for Equifax to keep a portion of my subscription when it failed to deliver the primary service I wanted. \n\nI sent an email to their customer support on XXXX/XXXX/XXXX, and received a reply form Equifax on XXXX/XXXX/XXXX stating they can not refund for past service on my current subscription. The email told me to call an Equifax Customer Service number to discuss this request with customer service. Today, XXXX/XXXX/XXXX, I spoke to an Equifax call center supervisor, and he told me he is unable to provide a refund for the past 8 months even though he acknowledged the product had n't delivered the service I was promised. Unbelievable! \n\nBottom line, since Equifax did not deliver the Auto Fraud Alert at the start of the subscription, I want a full refund for the entire subscription, not a partial refund for the remaining unused subscription months. Equifax has failed to provide me the primary service I was seeking -- Automatic Fraud Alerts. Please help me get a full refund of the {$270.00} that I paid. \n\nOverall, my experience with Equifax has been very disappointing. They have lost me as a customer. My recommendation to consumers is to not waste your money buying their credit monitoring services.","date_sent_to_company":"2017-12-14T20:55:16.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"95070","tags":null,"has_narrative":true,"complaint_id":"2755281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-12-14T20:36:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["The fake return included our social <em>security</em> <em>numbers</em>, <em>birthdates</em> and home address. We purchased the Equifax product listed above, with the primary purpose to get automatic fraud alerts placed every 90 days with the three primary credit bureaus. The service seemed to work fine, and I renewed our annual subscription on XXXX/XXXX/XXXX for the amount of {$270.00}. The products dashboard showed \" green '' for \" Automatic Fraud Alerts '' being properly set for both myself and my wife."]},"sort":[11.883354,"2755281"]},{"_index":"complaint-public-v1","_id":"4718601","_score":9.964027,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":". COMPLAINT to CFPB Ive had this account with Capital One since XX/XX/XXXX ( 20 years ) in excellent standing, with no adversity ever. Ive received complimentary messages and had a good relationship with Capital One. \nRecently I contacted Capital one to dispute charges on XX/XX/XXXX - {$40.00} and early XX/XX/XXXX- {$4.00}. I spoke with the customer service agents and both disputes were resolved efficiently and quickly with credits issued back to my account. ( Also, I always received notices of these and all communications by US mail, email, and my account secure messages ) Contrary to what I was told later during this deceptive tactic mentioned later in this letter. ( We cant send you any written notification ) I contacted Capital One in XX/XX/XXXX about the {$4.00} dispute, for security reasons, I mentioned to the agent that I had not received my new card. Usually, a new card is mailed out about a month before expiration date ( XXXX ). After they checked my account and saw no reason my card to be delayed, I was told it should reach me soon. Since that time, Ive made several calls to Capital One inquiring about not receiving my new card. Each time I first spoke to a polite and understanding agent who saw no reason I shouldnt get my new card. The agent would put me on hold and after a long wait, a new person would come on and ask for my Social Security # and birthdate. I wasnt comfortable giving that information and informed them, my info is available in my account. They kept me on the phone long periods of time. This behavior appeared suspicious and irregular. I was assured they were employees of Capital One. Consequently, after many calls and long waits and frustration, I was told they would not be renewing my card. I asked why I have received no written notification. Why my available credit is still available and why the card and account are still active? I continued using my card and making my payments as I continued to get messages and regular notices of perks, commendations, and thank you for being a valued customer and the manner I kept my account. ETC. During each call, I continued to ask, why have you not sent me notification of adversity and what resource was used to deny me use of my account of 20 years ( my account is still open after 60 days ) I cant use it. \nI was told they could not send me notifications, letters, or answer my questions. \n\nI got no answers. Next, I wrote to Capital One Corporate Office ( XXXX XXXX ) to report the suspicious activity, ( for fear of hacking and scamming ), and asked if they would please have an agent call me to allow me to give names and times of agents and to further explain my concerns of suspicious actions. I got no response. \nConsequently, I believe Capital One used deceptive, unfair, irregular, tactics that violated my rights as a consumer. I also believe they had intent to purposely do me harm by not closing my account while failing to renew. I believe they will attempt to close my account for reason of fault by me and claim no activity for a long period of time. When in essence, I cant use it because the expiration date prevents me from using it. ( Declined for date expiration ) Their action will also affect my FICA score ( down to XXXX in XXXX on Capital One ) as well as possibility make me less trustworthy to creditors. There are no adversities on my credit report. \nXX/XX/XXXX I received US mail from Capital One dated XX/XX/XXXX ( copy attached ) This letter also seems suspicious. The letter seems like a fraud and asks me to submit my SS #, Name, and date of birth. Not only do I believe my consumer rights are violated, but I also believe these actions should be investigated. I dont dare call Capital One because I fear I may not be reaching Capital One. The actions by Capital One caused me hardship as I explained in my letter to Corp. \nThe normal numbers to reach Capital One are : XXXX ( my card ), XXXX ( statement ), both dispute XXXX. On the last letter of ( XX/XX/XXXX ) asking for personal XXXX I have never seen the last number on Capital One. \nI have respectfully paid the account in full. \nCan you please assist me in this matter? I can be contacted by email or phone. \nThank You,","date_sent_to_company":"2021-09-14T18:10:33.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"4718601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-09-14T16:25:14.000Z","state":"IL","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["The normal <em>numbers</em> to reach Capital One are : XXXX ( my card ), XXXX ( statement ), both dispute XXXX. On the last letter of ( XX/XX/XXXX ) asking for personal XXXX I have never seen the last number on Capital One. \nI have respectfully paid the <em>account</em> in <em>full</em>. \nCan you please assist me in this matter? I can be contacted by email or phone. \nThank You,"]},"sort":[9.964027,"4718601"]},{"_index":"complaint-public-v1","_id":"17017164","_score":9.362869,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Letter sent. \nRequest for Compensation XXXX XXXX Case # XXXX Negligence Resulting in Loss of Crypto Assets XXXX XXXX XXXXXXXX XXXX Instructor XXXX XXXXXXXX, SC XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To : Coinbase , Inc . \nAttn : Legal Department / Customer Advocacy XXXX XXXX XXXX XXXX XXXX, CA XXXX support @ coinbase.com Subject : Request for Compensation XXXX XXXX Case # XXXX Negligence Resulting in Loss of Crypto Assets Dear Coinbase Legal Team, I am writing to formally request full compensation for losses sustained as a direct result of Coinbases negligence in connection with XXXX XXXX Case Report # XXXX. \n\nIncident Summary On XX/XX/year>, at approximately XXXX XXXX. EST, I attempted to sign in to my Coinbase account through the Android mobile application after being notified that my digital access was not working. Despite repeated attempts, I was unable to access my account. \n\nI immediately contacted Coinbase Customer Service at ( XXXX ) XXXX for assistance. Your representative requested proof of identification, which I promptly provided by submitting my South Carolina drivers license, and I was told my case would take 48 hours to process. \n\nShortly thereafter, I received a call from ( XXXX ) XXXX, from an individual claiming to be with Coinbase Support who referenced my account balance and stated he could expedite my access. Because he possessed accurate details regarding my Coinbase holdings, I initially believed this was a legitimate Coinbase representative.\n\nFollowing his instructions, I was directed through various Coinbase platform menus and asked for information relating to my XXXX  XXXX XXXX XXXX cold-storage recovery words. I questioned the request, but he stated this was a new Coinbase requirement for future crypto transfers. I complied as directed through what appeared to be the Coinbase environment. Immediately after, the individual terminated the call, and when I checked XXXX XXXX, I discovered that all my crypto assetsvalued at $ XXXXhad been removed. \n\nI contacted Coinbase again to report the theft and was issued Case # XXXX, but received no resolution, compensation, or meaningful assistance. \n\nLaw-Enforcement Reports Filed - XXXX  XXXX Report : Filed XX/XX/year> at XXXX XXXX EST - XXXX XXXX XXXX SC ) Sheriffs Office Case # XXXX : Filed XX/XX/year> at XXXXXXXX XXXX. EST Connection to Coinbase Data Breach Subsequent research revealed that Coinbase suffered a major cybersecurity incident in XX/XX/year>, confirmed by multiple reputable sources including XXXX + XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX XXXX \n\nKey Points from Public Reports- The data breach occurred on or around XX/XX/year>, exposing sensitive personally identifiable information ( PII ) of approximately 70,000 Coinbase users including names, birthdates, Social Security numbers, and financial data. \n- Attackers allegedly bribed XXXX  Coinbase customer-support contractors to access internal systems, enabling targeted social-engineering and phishing attacks against affected users. \n- Coinbase publicly acknowledged the breach on XX/XX/year>, terminated compromised contractors, and pledged to reimburse customers who were deceived by related social-engineering schemes. \n- Despite these facts, I was never informed by Coinbase that my account information or personal data had been compromised, nor was I offered any protective or remedial measures. \n\nBasis for Compensation It is evident that the fraudulent contact I received, which referenced my Coinbase balance and account details, originated from the unauthorized disclosure of customer data during Coinbases XX/XX/year> breach. Coinbases failure to properly notify and protect affected customersincluding meconstitutes gross negligence and a violation of its duty of care under federal consumer-protection and cybersecurity standards. \n\nPursuant to Coinbases public commitment to reimburse victims of fraud stemming from the XX/XX/year> incident, I hereby demand full reimbursement of {$110000.00}, representing the total value of stolen crypto assets, as well as written confirmation of Coinbases internal investigation regarding Case # XXXX. \n\nRequested Action Please provide, within 14 business days of receipt of this letter : 1. Written acknowledgment of this claim and confirmation that it has been escalated to Coinbases Legal or Risk-Management Division.\n\n2. A complete report detailing Coinbases internal findings regarding my case.\n\n3. I am seeking full reimbursement or compensation for the total loss of my assets, valued at {$110000.00} at the time of the incident, consisting of : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I demand restitution in the form of either ( 1 ) the full replacement of the exact quantities of the stolen digital assets listed above, or ( 2 ) monetary compensation equal to their current fair market value at the time compensation is issued. whichever amount is greater, and in no event less than the original value of {$110000.00}. This demand is made to ensure that I am made whole for both the assets lost and any subsequent appreciation in value that would have accrued but for Coinbases negligence.\n\nIf Coinbase fails to respond or resolve this matter promptly, I will proceed with further action through regulatory and legal channels, including coordination with counsel and relevant agencies already investigating this breach.\n\nThank you for your immediate attention to this serious matter. \n\nSincerely, XXXX XXXX XXXXXXXX","date_sent_to_company":"2025-11-04T18:36:00.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"29456","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"17017164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2025-11-04T18:27:42.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["EST Connection to Coinbase Data Breach Subsequent research revealed that Coinbase suffered a major cybersecurity incident in XX/XX/year>, confirmed by multiple reputable sources including XXXX + XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX XXXX \n\nKey Points from Public Reports- The data breach occurred on or around XX/XX/year>, exposing sensitive personally identifiable information ( PII ) of approximately 70,000 Coinbase users including names, <em>birthdates</em>, Social <em>Security</em> <em>numbers</em>, and financial data"]},"sort":[9.362869,"17017164"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":40,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":40}]}},"product":{"doc_count":40,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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