{"took":93,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":223,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2689460","_score":21.503822,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The recent breach of Equifax has allowed someone access to my personal information, and XXXX of my credit cards was used for unauthorized purchases. I never consented for this or any reporting agency to have my information in the first place. Now it has been stolen because of their poor security.","date_sent_to_company":"2017-09-30T22:01:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"287XX","tags":null,"has_narrative":true,"complaint_id":"2689460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-30T21:43:13.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The recent <em>breach</em> of Equifax has allowed <em>someone</em> <em>access</em> to my personal information, and XXXX of my credit cards was used for <em>unauthorized</em> purchases. I never consented for this or any reporting agency to have my information in the first place. Now it has been stolen because of their poor <em>security</em>."],"sub_issue":["Information belongs to <em>someone</em> else"]},"sort":[21.503822,"2689460"]},{"_index":"complaint-public-v1","_id":"11377335","_score":20.680431,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It was a data breach, and my information was leaked due to the major data breach, and I would like for you to fix and protect my credit due to the leakage of my personal information such as my name, my raise my gender, my sex, my Social Security number, and my date of birthIt has been leaked on a black web, and Im demanding my credit to be fixed due to the big credit companieswere leaking my information and now my credit and identity is in jeopardy and Ive seen my information come up on the Black web. Which led to me being a victim of identity, theft a many of times even with getting my state ID someone had my information and lived as me for about two years.\n\nThe amendments expand the definition of breach of security to include unauthorized access to personal information regardless of whether it can be shown that the bad actor acquired the information. Prior to the amendments, Pennsylvania law required notification if personal information was accessed and acquired. The new, broader definition of a breach of security ( similar to many other states ) requires organizations to notify affected individuals and authorities even when data is only accessed. This change acknowledges the pervasive threat of ransomware attacks and other cybersecurity threats : data can be compromised without being exfiltrated and threat actors have sophisticated means to conceal technical evidence of their actions. This change heightens compliance and liability considerations, emphasizing the need for organizations to adopt robust cybersecurity measures and a comprehensive incident response plan to address the complexities of unauthorized data access.","date_sent_to_company":"2025-01-03T10:57:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19141","tags":null,"has_narrative":true,"complaint_id":"11377335","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-03T10:35:28.000Z","state":"PA","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":["Which led to me being a victim of identity, theft a many of times even with getting my state ID <em>someone</em> had my information and lived as me for about two years.\n\nThe amendments expand the definition of <em>breach</em> of <em>security</em> to include <em>unauthorized</em> <em>access</em> to personal information regardless of whether it can be shown that the bad actor acquired the information. Prior to the amendments, Pennsylvania law required notification if personal information was <em>accessed</em> and acquired."]},"sort":[20.680431,"11377335"]},{"_index":"complaint-public-v1","_id":"11375932","_score":20.671436,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It was a data breach, and my information was leaked due to the major data breach, and I would like for you to fix and protect my credit due to the leakage of my personal information such as my name, my raise my gender, my XXXX, my Social Security number, and my date of birthIt has been leaked on a black web, and Im demanding my credit to be fixed due to the big credit companieswere leaking my information and now my credit and identity is in jeopardy and Ive seen my information come up on the Black web. Which led to me being a victim of identity, theft a many of times even with getting my state ID someone had my information and lived as me for about two years. \nThe amendments expand the definition of breach of security to include unauthorized access to personal information regardless of whether it can be shown that the bad actor acquired the information. Prior to the amendments, Pennsylvania law required notification if personal information was accessed and acquired. The new, broader definition of a breach of security ( similar to many other states ) requires organizations to notify affected individuals and authorities even when data is only accessed. This change acknowledges the pervasive threat of ransomware attacks and other cybersecurity threats : data can be compromised without being exfiltrated and threat actors have sophisticated means to conceal technical evidence of their actions. This change heightens compliance and liability considerations, emphasizing the need for organizations to adopt robust cybersecurity measures and a comprehensive incident response plan to address the complexities of unauthorized data access.","date_sent_to_company":"2025-01-03T10:57:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19141","tags":null,"has_narrative":true,"complaint_id":"11375932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-03T10:57:18.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Which led to me being a victim of identity, theft a many of times even with getting my state ID <em>someone</em> had my information and lived as me for about two years. \nThe amendments expand the definition of <em>breach</em> of <em>security</em> to include <em>unauthorized</em> <em>access</em> to personal information regardless of whether it can be shown that the bad actor acquired the information. Prior to the amendments, Pennsylvania law required notification if personal information was <em>accessed</em> and acquired."]},"sort":[20.671436,"11375932"]},{"_index":"complaint-public-v1","_id":"11362135","_score":20.652485,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It was a data breach, and my information was leaked due to the major data breach, and I would like for you to fix and protect my credit due to the leakage of my personal information such as my name, my raise my gender, my sex, my Social Security number, and my date of birthIt has been leaked on a black web, and Im demanding my credit to be fixed due to the big credit companieswere leaking my information and now my credit and identity is in jeopardy and Ive seen my information come up on the Black web. Which led to me being a victim of identity, theft a many of times even with getting my state ID someone had my information and lived as me for about two years.\n\nThe amendments expand the definition of breach of security to include unauthorized access to personal information regardless of whether it can be shown that the bad actor acquired the information. Prior to the amendments, Pennsylvania law required notification if personal information was accessed and acquired. The new, broader definition of a breach of security ( similar to many other states ) requires organizations to notify affected individuals and authorities even when data is only accessed. This change acknowledges the pervasive threat of ransomware attacks and other cybersecurity threats : data can be compromised without being exfiltrated and threat actors have sophisticated means to conceal technical evidence of their actions. This change heightens compliance and liability considerations, emphasizing the need for organizations to adopt robust cybersecurity measures and a comprehensive incident response plan to address the complexities of unauthorized data access.","date_sent_to_company":"2025-01-03T10:57:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19141","tags":null,"has_narrative":true,"complaint_id":"11362135","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-03T10:57:18.000Z","state":"PA","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":["Which led to me being a victim of identity, theft a many of times even with getting my state ID <em>someone</em> had my information and lived as me for about two years.\n\nThe amendments expand the definition of <em>breach</em> of <em>security</em> to include <em>unauthorized</em> <em>access</em> to personal information regardless of whether it can be shown that the bad actor acquired the information. Prior to the amendments, Pennsylvania law required notification if personal information was <em>accessed</em> and acquired."]},"sort":[20.652485,"11362135"]},{"_index":"complaint-public-v1","_id":"14863307","_score":20.10797,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am a XXXX XXXX veteran, and my Ally Bank account was recently compromised due to unauthorized access. As a result of this security breach, my funds have been locked for over XXXX months, and despite multiple attempts to resolve the issue, it remains unresolved. \n\nThis situation has significantly impacted various aspects of my life, both personally and financially. As someone who depends on stable access to their finances, this ongoing issue has created undue stress and hardship. I am requesting immediate action from Ally Bank to investigate and release my funds without further delay.","date_sent_to_company":"2025-07-24T14:01:16.000Z","issue":"Fraud or scam","sub_product":"Check cashing service","zip_code":"10019","tags":"Servicemember","has_narrative":true,"complaint_id":"14863307","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-07-24T13:51:37.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am a XXXX XXXX veteran, and my Ally Bank account was recently compromised due to <em>unauthorized</em> <em>access</em>. As a result of this <em>security</em> <em>breach</em>, my funds have been locked for over XXXX months, and despite multiple attempts to resolve the issue, it remains unresolved. \n\nThis situation has significantly impacted various aspects of my life, both personally and financially. As <em>someone</em> who depends on stable <em>access</em> to their finances, this ongoing issue has created undue stress and hardship."]},"sort":[20.10797,"14863307"]},{"_index":"complaint-public-v1","_id":"16419375","_score":20.095196,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Unauthorized trades were made on my Robinhood account without my consent. I did not initiate or approve these transactions someone accessed my account and placed high-risk event and prediction market bets, resulting in total losses of approximately {$36000.00}.\n\nI immediately notified Robinhood and requested an investigation. Despite providing documentation showing that these trades were unauthorized, Robinhood has not returned my funds or given a clear timeline for resolution. My account was compromised, and I believe Robinhood failed to provide adequate fraud prevention or timely customer support.\n\nI am requesting that Robinhood refund the unauthorized losses and conduct a full review of its security and account access logs to confirm the breach. I am also requesting that the CFPB ensure Robinhood follows proper consumer protection and dispute procedures for unauthorized transactions.","date_sent_to_company":"2025-10-07T15:28:40.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"85297","tags":null,"has_narrative":true,"complaint_id":"16419375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2025-10-07T15:21:37.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting that Robinhood refund the <em>unauthorized</em> losses and conduct a full review of its <em>security</em> and account <em>access</em> logs to confirm the <em>breach</em>. I am also requesting that the CFPB ensure Robinhood follows proper consumer protection and dispute procedures for <em>unauthorized</em> transactions."]},"sort":[20.095196,"16419375"]},{"_index":"complaint-public-v1","_id":"18968880","_score":19.935726,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I discovered multiple unauthorized transfers from my Chime checking account totaling {$1000.00}. These transactions were made to unknown recipients without my knowledge or consent. I immediately contacted Chime to report these unauthorized transactions and provided evidence that I did not authorize these transfers. \nDespite my reports, Chime dismissed my claim, stating that \" no error occurred, '' and refused to reimburse me for the stolen funds. In XX/XX/year>, I disputed an additional unauthorized transaction of {$160.00}, which was also investigated and dismissed without action, even though it was clearly stolen from my account. \nSomeone gained unauthorized access to my account, impersonated me, and transferred my money without my approval. This represents a serious security breach and potential identity theft. Chime 's failure to protect my account and their dismissive response to my reports have caused me significant financial loss, distress, and a loss of trust in their services. \nI request that the CFPB take action to ensure I receive a full refund of the stolen funds before XX/XX/year>, and that Chime improves their security measures to prevent future fraud. \nUrgent Consumer Complaint to the CFPB Re : Immediate Full Refund and Accountability for Massive Unauthorized Fraud Case # XXXX Dear CFPB, I am writing this complaint with the utmost urgency and frustration regarding my ongoing nightmare with Chime Financial Inc XXXX Despite multiple investigations, their dismissive responses, and superficial reviews, the undeniable truth remains : I am the victim of a massive, sophisticated fraud scheme that has stolen over {$1100.00} from my account funds that I did not authorize or consent to be transferred. \nThis is a serious criminal breach of trust and security. Someone, illegally and fraudulently, accessed my account, impersonated me, and executed multiple unauthorized transfers. These are not \" disputed transactions '' they are plain, undeniable acts of theft. Chimes refusal to acknowledge their security failure and to reimburse me is not only unacceptable but also a blatant violation of my consumer rights and federal law. \nKey Facts and Details : On XX/XX/year>, I reported multiple unauthorized Pay Anyone Transfers totaling {$1000.00} to unknown recipients transactions I did NOT authorize. Despite providing irrefutable evidence, Chime dismissed my claim, claiming no error occurred, ignoring the clear signs of fraud. \nOn XX/XX/year>, I disputed an additional {$160.00} stolen from my account again, an unauthorized transaction. Chime conducted an investigation and stubbornly refused to acknowledge the theft, leaving me financially devastated. \nSomeone gained unauthorized access to my account, impersonated me, and transferred my money without my knowledge or consent. This is a serious security breach and potential identity theft. \nThis situation is an egregious breach of trust and security, and Chimes dismissive attitude is an injustice. They are knowingly allowing fraudulent activity to continue unchecked, and their investigations are a cover-up designed to avoid accountability. \nMy demands are non-negotiable : XXXX Immediate, full refund of all stolen funds totaling {$1100.00}, credited to my account before XX/XX/year>. I do not accept any delay, excuses, or partial reimbursements. \nXXXX A detailed, transparent investigationinto how this breach occurred, including the failure points in Chimes security system that allowed this theft. \nXXXX A formal acknowledgment that these transactions were unauthorized and fraudulent. \nXXXX Compensation for the severe distress, financial harm, and emotional trauma caused by Chimes negligence and inability to safeguard my account. \nXXXX A written guarantee that measures will be implemented immediately to prevent future breaches, including enhanced security protocols and account monitoring. \nI am warning you this is not just about money. This is about protecting consumers from predatory negligence, criminal activity, and systemic failures. If I do not see my full refund and an actionable plan to secure my account by XX/XX/year>, I will escalate this matter further, including pursuing legal action, reporting to other authorities, and making this a matter of public record. \nI expect a prompt, definitive response. Failure to resolve this immediately will be considered willful negligence and a breach of consumer protection laws. \nThis is your final warning. I demand justice.","date_sent_to_company":"2026-01-23T22:23:44.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33467","tags":null,"has_narrative":true,"complaint_id":"18968880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-01-23T22:14:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["In XX/XX/year>, I disputed an additional <em>unauthorized</em> transaction of {$160.00}, which was also investigated and dismissed without action, even though it was clearly stolen from my account. \n<em>Someone</em> gained <em>unauthorized</em> <em>access</em> to my account, impersonated me, and transferred my money without my approval. This represents a serious <em>security</em> <em>breach</em> and potential identity theft."]},"sort":[19.935726,"18968880"]},{"_index":"complaint-public-v1","_id":"10870744","_score":19.47113,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding Experians inadequate response to a potential security breach that allowed unauthorized access to my credit file, which resulted in identity theft. Despite my account being protected with a password and SMS-based two-factor authentication ( 2FA ), I received emails on XX/XX/year> indicating that my credit file had been unfrozen without my authorization. Additionally, I was alerted that someone attempted to open a XXXX XXXX credit card in my name. \n\nAfter spending over an hour contacting XXXX, I was able to report the fraudulent credit card application. However, my attempts to reach Experian to report the unauthorized access and determine how this breach occurred have been futile. Their customer support system is primarily automated, and I was unable to reach a human representative to address this urgent matter. \n\nAs a software engineer with a background in cybersecurity, I am deeply concerned that Experians reliance on XXXX  2FAa method known to be vulnerable to XXXX swapping and other attacksmay indicate systemic security weaknesses. Furthermore, Experian does not offer stronger authentication methods, such as app-based 2FA or hardware tokens. The lack of adequate security controls and failure to provide accessible means of reporting breaches are highly irresponsible for a company whose primary business involves the storage and management of sensitive personal data. \n\nSteps Taken : 1. I contacted XXXX and successfully reported the fraudulent credit card application as fraud. \n2. I attempted to reach XXXX customer service multiple times to no avail, encountering only automated responses. \n3. I re-froze my credit to prevent further unauthorized access, but I am unable to determine how my account was breached or confirm that the issue has been resolved.\n\nSupporting Documentation : 1. Emails from Experian indicating my credit was unfrozen. \n2. Notifications of the fraudulent XXXX XXXX credit card application. \n3. Records of my communication with XXXX regarding the incident. \n\nThank you for addressing this urgent matter.","date_sent_to_company":"2024-11-18T23:06:21.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"10870744","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-18T22:51:24.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am filing this complaint regarding Experians inadequate response to a potential <em>security</em> <em>breach</em> that allowed <em>unauthorized</em> <em>access</em> to my credit file, which resulted in identity theft. Despite my account being protected with a password and SMS-based two-factor authentication ( 2FA ), I received emails on XX/XX/year> indicating that my credit file had been unfrozen without my authorization. Additionally, I was alerted that <em>someone</em> attempted to open a XXXX XXXX credit card in my name."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[19.47113,"10870744"]},{"_index":"complaint-public-v1","_id":"12545984","_score":19.238592,"_source":{"product":"Student loan","complaint_what_happened":"I am submitting this formal complaint under the Family Educational Rights and Privacy Act ( XXXX ), the Privacy Act of XXXX, and the Higher Education Act ( HEA ) regarding the unauthorized access of my student loan records by the Department of Government Efficiency ( DOGE ). \n\nAs a federal student loan borrower from XXXX, I am deeply concerned about the unfettered access DOGE personnel reportedly had to borrower records without my consent or proper oversight. These violations put my personal, financial, and security-related information at risk. \nPrivacy & Mental Health Impact I have been diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, conditions that make it difficult to manage stress, uncertainty, and violations of my personal data security. The repeated breaches of federal borrower recordscombined with my complete lack of control over how my private information is accessed and usedhave significantly exacerbated my mental health symptoms, including : Severe anxiety related to identity theft and financial fraud risks. \nIncreased difficulty concentrating and regulating stress, impacting my daily life. \nPersistent distress over the governments inability to protect my personal records. \n\nAs someone with a cybersecurity background, I am highly aware of the risks associated with unauthorized access to personally identifiable information ( PII ). Given DOGEs access to federal student loan data, I have lost confidence that my loan records are secure or that my identity is adequately protected from misuse. \nRequest for Immediate Action I am formally requesting the following : Full disclosure of whether my records were accessed by DOGE or affiliated personnel. \nConfirmation of what specific information was accessed. \nA review of security protocols to prevent further unauthorized access. \nConsideration of remedies, including loan discharge or damages, due to the privacy violations and their impact on my mental health. \n\nThese breaches are not just regulatory failuresthey are direct violations of my rights under federal law, and they are causing me significant emotional distress. I expect a formal response outlining how my concerns will be addressed.","date_sent_to_company":"2025-03-18T13:55:25.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"29410","tags":"Servicemember","has_narrative":true,"complaint_id":"12545984","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-03-18T13:50:28.000Z","state":"SC","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":["Confirmation of what specific information was <em>accessed</em>. \nA review of <em>security</em> protocols to prevent further <em>unauthorized</em> <em>access</em>. \nConsideration of remedies, including loan discharge or damages, due to the privacy violations and their impact on my mental health. \n\nThese <em>breaches</em> are not just regulatory failuresthey are direct violations of my rights under federal law, and they are causing me significant emotional distress. I expect a formal response outlining how my concerns will be addressed."]},"sort":[19.238592,"12545984"]},{"_index":"complaint-public-v1","_id":"2667816","_score":19.1964,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax Inc. is the subject of my complaint.\nEquifax has compromised my personal information by allowing it to be accessed by unauthorized parties and hackers.\nInformation including my name, social security number, birthday, address, driver 's license number and credit card numbers may have been compromised. They positively identified me as someone affected by their information breach.\nThis is beyond unacceptable. As one of the three major credit reporting companies in the USA, they have utterly failed to protect my privacy and identity as a consumer, and now my entire personal and financial future is at risk. This is an absurd burden to place on nearly half of the American population. As per their own admission below : \" Equifax Inc. ( NYSE : EFX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXXthrough XXXX 2017. '' \" The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. ''","date_sent_to_company":"2017-09-08T18:19:17.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"98199","tags":null,"has_narrative":true,"complaint_id":"2667816","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T18:06:36.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Equifax has compromised my personal information by allowing it to be <em>accessed</em> by <em>unauthorized</em> parties and hackers.\nInformation including my name, social <em>security</em> number, birthday, address, driver 's license number and credit card numbers may have been compromised. They positively identified me as <em>someone</em> affected by their information <em>breach</em>.\nThis is beyond unacceptable."]},"sort":[19.1964,"2667816"]},{"_index":"complaint-public-v1","_id":"12273221","_score":19.195347,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was told that I could not recieve another debit card due to excessive unauthorized transactions. I was never given notice that I would not recieve another debit card if someone had access to my account and I cancelled the card. I am a victim of the data breach from XXXX XXXX so my information is compromised. The denial of a new card has caused hardships already as it has only been a few days. I can not use XXXX to move money, i can not make payments on certain bills because of this and I have limited access to my funds. Had someone notified me of the card issuance suspension, I would never have had let the security department XXXX XXXXXXXX XXXX  cancel the card also that department could have told me. I XXXX as told that no one had the power to assist with this issue.","date_sent_to_company":"2025-03-02T07:00:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92563","tags":"Servicemember","has_narrative":true,"complaint_id":"12273221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-03-02T06:48:33.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I was told that I could not recieve another debit card due to excessive <em>unauthorized</em> transactions. I was never given notice that I would not recieve another debit card if <em>someone</em> had <em>access</em> to my account and I cancelled the card. I am a victim of the data <em>breach</em> from XXXX XXXX so my information is compromised. The denial of a new card has caused hardships already as it has only been a few days."]},"sort":[19.195347,"12273221"]},{"_index":"complaint-public-v1","_id":"8251092","_score":19.159222,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to report what appears to be fraudulent activity on my Wells Fargo Bank account ( Account # XXXX ). It seems that someone from California has been making unauthorized transactions, specifically using my bank account information for food deliveries through XXXX. \n\nI promptly contacted Wells Fargo upon discovering this issue, and I was assured that the bank would refund the unauthorized transactions and take steps to prevent any further losses. However, I am deeply concerned about the security of my account and the possibility that my information was compromised either through a data breach or another form of unauthorized access. \n\nThis incident has left me feeling uneasy, as I believe Wells Fargo should prioritize the security of its customers ' accounts and take immediate action to rectify situations involving potential fraud. \n\nI kindly request a thorough investigation into this matter to determine the source of the security breach and prevent any recurrence. I urge you to provide me with detailed information on the steps being taken to address this issue and to strengthen the security measures on my account. \n\nI understand that situations like these can be complex, but as a loyal customer, I expect transparency and a swift resolution. I have attached documents outlining the unauthorized transactions for your reference. \n\nYour immediate attention to this matter is highly appreciated. \n\nThank you for your prompt assistance. \n\nSincerely, XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2024-01-30T20:53:44.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"897XX","tags":null,"has_narrative":true,"complaint_id":"8251092","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-01-30T20:27:37.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["However, I am deeply concerned about the <em>security</em> of my account and the possibility that my information was compromised either through a data <em>breach</em> or another form of <em>unauthorized</em> <em>access</em>. \n\nThis incident has left me feeling uneasy, as I believe Wells Fargo should prioritize the <em>security</em> of its customers ' accounts and take immediate action to rectify situations involving potential fraud."]},"sort":[19.159222,"8251092"]},{"_index":"complaint-public-v1","_id":"14702665","_score":18.759281,"_source":{"product":"Checking or savings account","complaint_what_happened":"TO : Consumer Financial Protection Bureau RE : XXXX XXXX XXXX Bank of America for Unauthorized Account Access and Data Breach Related To Complaint XXXX I am submitting a formal complaint against Bank of America concerning unauthorized access and alteration of my personal banking information. This breach directly implicates XXXX  XXXX XXXX failure to secure my account and prevent unauthorized third-party access, specifically involving an email address belonging to XXXX XXXX ( XXXX ) being added without my knowledge, consent, or authorization. \nOn XX/XX/XXXX, I discovered this unauthorized secondary email was added to my Bank of America account on XX/XX/XXXX. I have never authorized XXXX XXXX or any representative to access, modify, or receive communications related to my account. Bank of America failed to provide any explanation, justification, or remedial action beyond instructing me to delete the unauthorized email after I reported it. \nDespite my prompt reporting, Bank of America demonstrated gross negligence by allowing this breach to persist undetected for nearly XXXX months. This incident reveals serious systemic failures in their data security protocols, customer account protections, and internal monitoring systems. \nLEGAL VIOLATIONS : XXXX  XXXX XXXX conduct constitutes multiple statutory violations including but not limited to : XXXX. Violation of the XXXX XXXX XXXX XXXX ( 12 U.S.C. 5531, 5536 ) for unfair, deceptive, or abusive acts or practices allowing unauthorized access. \nXXXX. Violation of the XXXX XXXX ( XXXX XXXX. XXXX XXXX XXXX ) for failure to implement adequate safeguards to protect consumer financial data. \nXXXX. Negligence in cybersecurity governance resulting in unauthorized access and potential harm to consumer privacy and financial security. \nXXXX. Breach of fiduciary duty to maintain the confidentiality and integrity of customer information. \nBACKGROUND AND CONTEXT : I re-enrolled in XXXX  XXXX XXXX online banking in XXXX after the bank accidentally disenrolled me. At no point during this process or afterward did I authorize or consent to the addition of any third-party email address. This unauthorized change was discovered only after I received a suspicious email today XX/XX/XXXX purportedly from Bank of America and verified my account information directly. Per the customer service rep she confirmed no emails had been sent from their department today. \nXXXX  XXXX XXXX failure to detect or prevent this unauthorized access, and its inability to provide any meaningful explanation or internal investigation, constitutes a fundamental breach of trust and security obligations owed to me as a customer. \nThis matter is urgent and demands the full investigative authority of the CFPB. I stand ready to provide all supporting documentation, including screenshots, correspondence, and detailed statements. \nPRIOR HISTORY OF MALFEASANCE : XXXX XXXX XXXX XXXX has a well-documented history of consumer fraud, professional misconduct, and regulatory scrutiny. XXXX, XXXX, and various forums host consumer complaints alleging financial harm, unauthorized legal representation, and identity tampering. XXXX consumer explicitly claimed that XXXX unlawfully accessed their Bank of America account, mirroring the exact pattern in my complaint. Additionally, the XXXX  Supreme Court has imposed disciplinary sanctions against principals at this firm for violations of legal ethics and client abandonment. \nI am therefore requesting that the Consumer Financial Protection Bureau initiate a formal investigation into the following : XXXX. How someone associated with this email XXXX was inserted into my private Bank of America profile without my knowledge or consent. \nXXXX. Whether XXXX XXXX or any of its agents engaged in data manipulation, identity fraud, or unauthorized surveillance of consumer accounts. \nXXXX. Whether any breach or internal negligence at Bank of America enabled this infiltration. \nXXXX. Whether this incident correlates with other complaints submitted to federal or state agencies concerning XXXX XXXX conduct and access to consumer financial data. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-17T01:39:38.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"90027","tags":null,"has_narrative":true,"complaint_id":"14702665","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-07-17T00:53:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["TO : Consumer Financial Protection Bureau RE : XXXX XXXX XXXX Bank of America for <em>Unauthorized</em> Account <em>Access</em> and Data <em>Breach</em> Related To Complaint XXXX I am submitting a formal complaint against Bank of America concerning <em>unauthorized</em> <em>access</em> and alteration of my personal banking information."]},"sort":[18.759281,"14702665"]},{"_index":"complaint-public-v1","_id":"6577048","_score":18.415108,"_source":{"product":"Checking or savings account","complaint_what_happened":"Suntrust is my bank, now Truist. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. \nBeginning in XX/XX/2021 SunTrust account was compromised and hacked. Every month for the next 14 months this fraudulent website and hacker charged my account to sometimes three times in a month without my knowledge or consent or authorization. I had no Internet access during this time frame, and was very very ill. I had no idea this was going on because they were charging small amounts every time first of the 14 months it adds up to over {$1000.00} and some 40 charges I contacted my bank they did investigation and they see that they are unauthorized and fraudulent and that it happened on their watch and their security breach. I never received any paper statements with my ledger again, was very sick and had no Internet access during this time. They just contacted me via email and said they can only refund me the first 60 days. Unacceptable my money was stolen on their watch and their security breach which I have no control over and I have no way to monitor my account as they never mailed me a paper ledger. I was very sick and did not have access to any Internet during those two years, I brought it their attention as soon as I found it two weeks ago. They can, I brought it there attention as soon as I found it two weeks ago. They can clearly see that it is fraudulent and unauthorized charges. They are only trying to pay me for 60 days, not my fault that they stole my money and now my bank is trying to keep my stolen money when its all their fault. I can not help that I was unable to access the Internet, and had no idea someone was stealing my money on their watches what I pay them to do. How can I allow someone to steal my money and then tell me I cant get it back because I didnt record it fast enough. I was on deathbed I need my money.","date_sent_to_company":"2023-02-15T16:40:17.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30017","tags":"Servicemember","has_narrative":true,"complaint_id":"6577048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-02-15T16:24:21.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I had no Internet <em>access</em> during this time frame, and was very very ill. I had no idea this was going on because they were charging small amounts every time first of the 14 months it adds up to over {$1000.00} and some 40 charges I contacted my bank they did investigation and they see that they are <em>unauthorized</em> and fraudulent and that it happened on their watch and their <em>security</em> <em>breach</em>."]},"sort":[18.415108,"6577048"]},{"_index":"complaint-public-v1","_id":"12401254","_score":18.352112,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally report a data breach that has resulted in unauthorized access to my personal information, including the wrongful inquiry into my credit history. I have recently discovered that someone has opened credit cards and utility accounts in my name without my consent, resulting in charge-offs that have damaged my credit score tremendously. In addition, I have found multiple hard inquiries on my credit report that I did not initiate, along with charges on my credit card accounts that I did not authorize. These unauthorized actions harmed my credit score and indicated serious fraudulent activity involving my personal information. I am deeply concerned about how this affects my financial security and integrity. I request an immediate investigation into these unauthorized inquiries, charges, and the fraudulent accounts opened in my name. It is crucial to take necessary actions to rectify this situation and to enhance preventive measures to protect consumers like myself from such breaches in the future. Thank you for addressing this matter with urgency.","date_sent_to_company":"2025-03-10T23:10:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"629XX","tags":null,"has_narrative":true,"complaint_id":"12401254","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-10T22:24:31.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to formally report a data <em>breach</em> that has resulted in <em>unauthorized</em> <em>access</em> to my personal information, including the wrongful inquiry into my credit history. I have recently discovered that <em>someone</em> has opened credit cards and utility accounts in my name without my consent, resulting in charge-offs that have damaged my credit score tremendously."],"sub_issue":["Information belongs to <em>someone</em> else"]},"sort":[18.352112,"12401254"]},{"_index":"complaint-public-v1","_id":"15957948","_score":18.008556,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Unauthorized Access, Fraudulent Transfers, and Mishandled Dispute SoFi Dear CFPB Representative, My name is XXXX XXXX, residing in XXXX XXXX, Georgia ( ZIP XXXX ). I am formally filing a complaint against SoFi Bank, N.A. for serious violations involving unauthorized access, identity theft, inadequate security, and improper resolution of my dispute.\n\nWhat happened : On or about [ insert exact date of the breach if known ], someone gained access to my SoFi account without my knowledge or consent. They changed my password and possibly other security settings.\n\nFunds were then transferred from my account to another account fraudulently created in my name.\n\nI reported this immediately to SoFi and submitted a dispute with detailed documentation. Despite this, SoFi denied the dispute and closed my account.\n\nIn addition, SoFi mailed a check for the remaining funds to an address where I no longer reside. I never received that check.\n\nWhy this is unacceptable : SoFi failed to protect my account against fraudulent access and transfers, which shows a lack of adequate security measures.\n\nSoFis dispute process appears to have been unfair or incomplete, given the evidence I supplied.\n\nMailing my check to an old address without confirming my current address further demonstrates negligence and risk to consumer safety/privacy.\n\nAMOUNT XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-09-15T20:45:18.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"15957948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-09-15T20:39:37.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am formally filing a complaint against SoFi Bank, N.A. for serious violations involving <em>unauthorized</em> <em>access</em>, identity theft, inadequate <em>security</em>, and improper resolution of my dispute.\n\nWhat happened : On or about [ insert exact date of the <em>breach</em> if known ], <em>someone</em> gained <em>access</em> to my SoFi account without my knowledge or consent. They changed my password and possibly other <em>security</em> settings.\n\nFunds were then transferred from my account to another account fraudulently created in my name."],"issue":["<em>Unauthorized</em> transactions or other transaction problem"]},"sort":[18.008556,"15957948"]},{"_index":"complaint-public-v1","_id":"3378890","_score":17.917362,"_source":{"product":"Debt collection","complaint_what_happened":"I have been a victim in the XXXX data breach a few years ago and also my information was compromised again in the recent XXXX  data breach. Fraudulent activity was not observed until I noticed that my email was hacked, personal information, employer, social security number, old passwords frequently used and address that I have reside at for years had also been compromised. I am currently in process of a data breach settlement from XXXX. I have also initiated a credit monitoring service through the credit bureaus and also obtain a security alert. A fraud application was also done a few months ago and a credit card that had fraudulent charges, interest charges and late fees was also reported to the lender ( XXXX XXXX ). XXXX has acknowledged all disputes from the the lender stated below and have deleted the account from XXXX XXXX, from my credit report permanently. To verify, XXXX can be contacted. See attached documents below. This matter is serious and is damaging my credit and is also inaccurate/ fraud. Someone used my information and banking information to access my information. Creating a duplicate card in order to make unauthorized charges.","date_sent_to_company":"2019-09-18T22:49:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33157","tags":null,"has_narrative":true,"complaint_id":"3378890","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-09-18T22:16:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Someone</em> used my information and banking information to <em>access</em> my information. Creating a duplicate card in order to make <em>unauthorized</em> charges."]},"sort":[17.917362,"3378890"]},{"_index":"complaint-public-v1","_id":"4853834","_score":17.826271,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2021 I sent a letter regarding inaccurate and unknown accounts on my credit report. It has been over 35 days later and I have yet to receive a response. I feel that I am being taken advantage of and ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts become deleted or I will file litigation due to the stress you caused me. \nMy information was also impacted by the XXXX XXXX data breach. Where the names and Social Security numbers of alumni and applicants have been exposed after someone gained unauthorized access to an employees email account.","date_sent_to_company":"2021-10-28T19:32:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"98103","tags":null,"has_narrative":true,"complaint_id":"4853834","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-10-28T19:32:41.000Z","state":"WA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["My information was also impacted by the XXXX XXXX data <em>breach</em>. Where the names and Social <em>Security</em> numbers of alumni and applicants have been exposed after <em>someone</em> gained <em>unauthorized</em> <em>access</em> to an employees email account."]},"sort":[17.826271,"4853834"]},{"_index":"complaint-public-v1","_id":"5501819","_score":17.561256,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is in regards to unauthorized, fraudulent credit inquiries. The issue was already addressed with the particular company, and because there was no credit extended, there is nothing that they can do and that my concerns need to be taken up with the credit bureaus. The response that was provided from Equifax with regards to '' access to records '' being factual, is erroneous. The records are not facts and in fact \" Fraudulent \"! Their explanation gave no indication that there was an attempt to address this issue and did not provide an adequate solution for this particular situation. \n\nEquifax was sent drivers license, social security card, Several FTC reports, as well as instructions on removing unauthorized inquiries from my report several times. Several times the above documents were sent and are on file with Equifax. It was explained that I was a victim of Identity theft, my personal information was exposed in an \" EQUIFAX \" data breach as well as other data breaches and an income tax was filed without my knowledge. A XXXX police report was filed. Every time I attempt to reach someone with regards to deleting the inquiries a representative responds that its nothing that can be done because all deleted inquiries are handled in a back office and there is no contact info available for, \" THE BACK OFFICE ''.","date_sent_to_company":"2022-04-26T15:10:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"5501819","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-04-26T14:48:53.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Equifax was sent drivers license, social <em>security</em> card, Several FTC reports, as well as instructions on removing <em>unauthorized</em> inquiries from my report several times. Several times the above documents were sent and are on file with Equifax. It was explained that I was a victim of Identity theft, my personal information was exposed in an \" EQUIFAX \" data <em>breach</em> as well as other data <em>breaches</em> and an income tax was filed without my knowledge. A XXXX police report was filed."],"sub_issue":["Information belongs to <em>someone</em> else"]},"sort":[17.561256,"5501819"]},{"_index":"complaint-public-v1","_id":"12707805","_score":17.492468,"_source":{"product":"Credit card","complaint_what_happened":"Claim number XXXX, Account end in XXXX, Amount {$36000.00} USD On XX/XX/year>, there was unauthorized transactions totaling {$6000.00} from my business bank account with Bank of America XXXX XXXX XXXX XXXX Additionally, on XX/XX/year>, there was another unauthorized transaction for {$30000.00}, bringing the total to {$36000.00}. \n\nThese both transactions were electronic payments made to XXXX XXXX. I never own an XXXX XXXX card and has not authorized anyone to use the information to make such payments. \n\nI had contacted Bank of America 's Fraud Department and file a police report. \n\nIt's been 8 months I been submitted the claim to Bank of America 's Fraud Department, they deny my claim because they think I am the one who instructed someone to authorize those transactions. They mispleaded me with incorrect phone numbers, fax numbers and email for submitted the support documents. I also asked local BOA representatives to help me calling and send the documents. \n\nPlease review all the supporting documents for detail info. \n\nXXXX. XXXX report/breach ( Claim number XXXX Breach report_Screenshot XXXX XXXX ) XXXX. XXXX XXXX report/breach ( Claim number XXXX XXXX  Breach report_Screenshot XXXX XXXX, Claim number XXXX security Breach report_Screenshot XXXX XXXX ) XXXX. Logins log from BOA or Access log ( Claim number XXXX log_current_Screenshot XXXX XXXX, Claim number XXXX XXXX, Claim number XXXX XXXX ) *Logins log from BOA or Access log : Only 2 devices I access to my online banking were my laptop XXXX XXXX ( Device name XXXX Windows XXXX Gram ) and my XXXX XXXX XXXX XXXX ( Model XXXX Serial XXXX ) Please do review my logins log for XX/XX/year> from BOA for more proof.","date_sent_to_company":"2025-03-28T17:44:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"30260","tags":null,"has_narrative":true,"complaint_id":"12707805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-28T16:56:26.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX report/<em>breach</em> ( Claim number XXXX <em>Breach</em> report_Screenshot XXXX XXXX ) XXXX. XXXX XXXX report/<em>breach</em> ( Claim number XXXX XXXX  <em>Breach</em> report_Screenshot XXXX XXXX, Claim number XXXX <em>security</em> <em>Breach</em> report_Screenshot XXXX XXXX ) XXXX."]},"sort":[17.492468,"12707805"]},{"_index":"complaint-public-v1","_id":"11478199","_score":17.4819,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to file a complaint regarding a series of events concerning my Coinbase account. Below is a detailed account of the situation : A few days ago, I received an alert on my phone from XXXX indicating an unauthorized attempt to access my account. Shortly thereafter, I received a call from XXXX, who claimed to be from XXXX. Afterward, I received a similar alert from Coinbase regarding potential suspicious activity on my account. XXXX informed me that both my XXXX and Coinbase accounts had been compromised by an individual located in XXXX. According to XXXX, the hacker used XXXX cookies from a website to gain unauthorized access to both accounts. He further explained that the hacker had converted my cryptocurrency into XXXXXXXX XXXX XXXX valued at approximately {$6900.00} ) though the funds had not yet been withdrawn. \n\nXXXX stated that XXXX had notified Coinbase of the breach, which led to Coinbase 's awareness of the situation. He also mentioned that a complaint had been filed with both the FBI and XXXX under XXXX XXXX. XXXX. According to XXXX, the Coinbase representative he spoke with wants me to log into my Coinbase account after regaining access and approving a transaction to send the XXXX into my name. However, this request seemed highly suspicious, so I asked XXXX to have the Coinbase agent contact me directly. \n\nShortly after, I received a call from XXXX, who claimed to be a Coinbase employee. I informed him that I had contacted the FBI to follow up on Case No. XXXX, but they could not find any information on the case as they can not search by case number. XXXX stated that the complaint with the FBI and XXXX had not been filed yet and would only be submitted after Coinbase 's internal investigation was completed. He insisted that I authorize the transaction by clicking on the order form that Coinbase had prepared to register the XXXX  in my name on the blockchain. This added to my confusion and further raised my concerns regarding the legitimacy of both XXXX and XXXX. \n\nTo clarify the situation, I contacted Coinbase customer support and spoke with a representative named XXXX. Unfortunately, XXXX seemed to lack knowledge regarding cryptocurrency and transactions and was dismissive of my concerns. XXXX failed to provide adequate assistance despite my repeated explanations, and I was forced to repeat myself multiple times. I requested the following actions : XXXX. A refund of the {$300.00} transaction fees incurred during the unauthorized conversion of my crypto to XXXX. \nXXXX. To register my ownership of the above XXXX on the blockchain. I wouldnt know how to do this. \nXXXX. The temporary disabling of the API on my account until the XXXX is placed on the blockchain in my name. \n4. Verification of XXXX ' employment at Coinbase. \nXXXX. A detailed explanation of how my account was compromised. \nXXXX. A transfer to the fraud department for further investigation. \nHowever, XXXX refused to take any of these actions. Considering the above events, I am filing the following complaints : 1. Fraud/Scams : I believe I have been defrauded due to the unauthorized conversion of my cryptocurrency to XXXX  and the attempted withdrawal of those funds. \n2. Account Access Issues : There has been a clear security breach of my accounts.\n\n3. Customer Service Problems : I experienced poor customer service, including unresponsive support, inadequate knowledge of cryptocurrency, refusal to escalate the issue, refusal to verify XXXX ' employment at Coinbase, and failure to investigate the breach or refund the transaction fees. \nXXXX. Unauthorized Transactions : Someone gained unauthorized access to my account and executed trades without my consent. \nXXXX. Account Freezing or Restrictions : If XXXX is indeed a Coinbase employee, XXXX refusal to verify this caused unnecessary restrictions to my account. \nXXXX. Security Issues : There appears to be a lack of sufficient security measures, leading to unauthorized access and potential hacking incidents. \nXXXX. Refund Problem : I was refused a refund for the transaction fees incurred when the hacker converted my cryptocurrency into XXXX. \n\nI request your urgent assistance in resolving these issues. The situation has caused significant distress, and I need clarification and support to rectify the unauthorized access, recover my funds, and prevent further security breaches. \nThank you for your attention to this matter.","date_sent_to_company":"2025-01-11T09:21:10.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"27330","tags":null,"has_narrative":true,"complaint_id":"11478199","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2025-01-11T08:51:30.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The situation has caused significant distress, and I need clarification and support to rectify the <em>unauthorized</em> <em>access</em>, recover my funds, and prevent further <em>security</em> <em>breaches</em>. \nThank you for your attention to this matter."]},"sort":[17.4819,"11478199"]},{"_index":"complaint-public-v1","_id":"15455570","_score":17.418041,"_source":{"product":"Credit card","complaint_what_happened":"Over the past year, on at least three separate occasions, unauthorized individuals were able to add themselves as authorized users to my Discover account without my consent. Each time I reported this to Discover, their only response was to issue me a new credit card, but the problem continued to occur. \n\nIn addition, despite me freezing my account and repeatedly changing my password, someone was still able to log into my account multiple times. I received repeated email notifications that my account information ( email, phone number, mailing address ) had been changed without my authorization. \n\nBecause this kept happening, I stopped using the account entirely out of concern for my security. Eventually, Discover closed my account for inactivity. While I understand accounts can be closed after non-use, the reason I stopped using the card was because Discover failed to address the repeated fraud and security breaches. \n\nI am requesting : 1. A full investigation into how unauthorized users were repeatedly able to gain access to my account despite my efforts to secure it. \n2. Assurance that my personal information and identity are not compromised through Discovers systems. \n3. Confirmation that this account closure will not negatively affect my credit report, as I was forced to stop using the account due to Discovers lack of adequate security protections.","date_sent_to_company":"2025-08-22T15:31:17.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"606XX","tags":null,"has_narrative":true,"complaint_id":"15455570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-08-22T15:19:23.000Z","state":"IL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Because this kept happening, I stopped using the account entirely out of concern for my <em>security</em>. Eventually, Discover closed my account for inactivity. While I understand accounts can be closed after non-use, the reason I stopped using the card was because Discover failed to address the repeated fraud and <em>security</em> <em>breaches</em>. \n\nI am requesting : 1. A full investigation into how <em>unauthorized</em> users were repeatedly able to gain <em>access</em> to my account despite my efforts to secure it. \n2."]},"sort":[17.418041,"15455570"]},{"_index":"complaint-public-v1","_id":"12626503","_score":17.235413,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding a serious security failure at Navy Federal Bank, which led to unauthorized access to my checking account, the fraudulent withdrawal of my funds, and improper fees being charged to me.\n\nIncident Summary : On [ XX/XX/year> ], an unknown individual was able to walk into an NavyFederalBank branch in Florida and obtain a debit card linked to my account without my authorization. This person then proceeded to make an over-the-counter withdrawal of {$2100.00}, followed by multiple ATM inquiries before withdrawing all remaining funds from my account.\n\nI reside in Maryland, my account was opened in Maryland, and all my transactions are conducted in Maryland. I had no prior activity in Florida, yet NF Bank allowed this transaction to occur without notifying me or verifying my identity.\n\nTo add insult to injury, after my account was drained, NF Bank charged me an Oops fee because a legitimate transaction I had made was processed after my funds were fraudulently withdrawn.\n\nMajor Concerns & Failures by NF Bank : 1. Security Breach & Unauthorized Access How was someone able to obtain a debit card for my account without proper identity verification?\n\n2. Failure to Protect My Personal & Financial Information NF Banks security safeguards clearly failed, exposing my funds to fraud.\n\n3. Negligence in Fraud Prevention Despite clear red flags ( transactions happening in a different state without prior history ), NF Bank failed to block or flag these unauthorized transactions.\n\n4. Unfair Fee Charges The Oops fee should not have been charged as it resulted from NF Banks failure to secure my account.\n\n5. Emotional & Financial Distress This ordeal has caused me significant stress, frustration, and financial hardship, as I was left without access to my own money.","date_sent_to_company":"2025-03-25T14:03:21.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"12626503","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-03-25T13:49:28.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>Security</em> <em>Breach</em> & <em>Unauthorized</em> <em>Access</em> How was <em>someone</em> able to obtain a debit card for my account without proper identity verification?\n\n2. Failure to Protect My Personal & Financial Information NF Banks <em>security</em> safeguards clearly failed, exposing my funds to fraud.\n\n3. Negligence in Fraud Prevention Despite clear red flags ( transactions happening in a different state without prior history ), NF Bank failed to block or flag these <em>unauthorized</em> transactions.\n\n4."]},"sort":[17.235413,"12626503"]},{"_index":"complaint-public-v1","_id":"5416242","_score":17.167866,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I noticed I was locked out of my Coinbase account on Monday morning XX/XX/XXXX. I tried to get in and it would not let me. I contacted Coinbase to let them know I believe there was unauthorized access of my account. They then made me reverify my account. There was also a {$1000.00} XXXX request of my bank which I did not authorize. On Tuesday, XX/XX/XXXX I filed fraud reports with the FBI, FTC and XXXX, MN Police Dept. When I was able to access my Coinbase account, someone took my {$150000.00} in cash and bought XXXX XXXX and somehow moved them out of my account. I say somehow because the only account I had set up to take and receive funds was my bank, none others. On XX/XX/XXXX, Coinbase support replied back to me that they are not responsible if someone gets an individual 's login credentials. I called the XXXX XXXX and MN Department XXXX XXXX to report the fraud. The XXXX XXXX said there is nothing they can do since I reported it to the FBI. The MN XXXX XXXX XXXX was going to reach out to Coinbase. I checked with my phone provider XXXX about security breaches on my phone and they said they could not see any.","date_sent_to_company":"2022-04-06T16:47:31.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"55024","tags":null,"has_narrative":true,"complaint_id":"5416242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2022-04-06T16:34:25.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I contacted Coinbase to let them know I believe there was <em>unauthorized</em> <em>access</em> of my account. They then made me reverify my account. There was also a {$1000.00} XXXX request of my bank which I did not authorize. On Tuesday, XX/XX/XXXX I filed fraud reports with the FBI, FTC and XXXX, MN Police Dept. When I was able to <em>access</em> my Coinbase account, <em>someone</em> took my {$150000.00} in cash and bought XXXX XXXX and somehow moved them out of my account."]},"sort":[17.167866,"5416242"]},{"_index":"complaint-public-v1","_id":"21159938","_score":17.162468,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding Wells Fargos refusal to reimburse or properly investigate a fraudulent wire transfer that occurred after my personal information was compromised in the XXXX XXXX XXXX data breach. \n\nOn XX/XX/year>, my personal and financial information was used to gain access to my Wells Fargo accounts. A person unauthorized to act on my behalf accessed my banking information and initiated a wire transfer of {$4200.00} from my savings account. Around the same time, I received a spoofed phone call from someone pretending to be Wells Fargo. The caller stated that my account had been compromised, that a new card would be mailed, and that I needed to provide the security code that had just been texted to me. Believing I was speaking with Wells Fargo, I provided the code. Shortly afterward, the funds were moved out of my account. \n\nI immediately reported the transaction to Wells Fargo and submitted a dispute. My claim was later denied on XX/XX/year>. Wells Fargo advised, in substance, that it does not cover or reimburse wire fraud in the same manner that it handles ACH, debit card, or credit card fraud. This response is unacceptable. The transaction was unauthorized and was the direct result of fraud, account compromise, and social engineering by a spoofed caller impersonating Wells Fargo. I did not knowingly authorize a legitimate transfer to a known recipient. I was deceived by a fraudulent scheme tied to compromised personal information and unauthorized access to my account. \n\nI am asking the CFPB to require Wells Fargo to fully investigate this matter as unauthorized fraud, provide all records and findings relied on in denying my dispute, explain what security failures allowed my account to be accessed and drained, and reimburse my {$4200.00} loss. I also request that Wells Fargo be required to explain why it denied my claim despite clear evidence of impersonation, account compromise, and fraudulent inducement. Consumers should not be left without protection simply because criminals used a wire transfer after obtaining access through stolen personal information and spoofed bank communications. \n\nI am seeking reimbursement of the stolen funds, a complete reinvestigation, and a written explanation of XXXX XXXX denial and fraud-handling procedures for unauthorized wire transactions connected to account takeover and impersonation scams.","date_sent_to_company":"2026-04-11T14:43:41.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"28086","tags":null,"has_narrative":true,"complaint_id":"21159938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-11T14:40:20.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I am submitting this complaint regarding Wells Fargos refusal to reimburse or properly investigate a fraudulent wire transfer that occurred after my personal information was compromised in the XXXX XXXX XXXX data <em>breach</em>. \n\nOn XX/XX/year>, my personal and financial information was used to gain <em>access</em> to my Wells Fargo accounts. 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