{"took":58,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":73,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2663408","_score":17.506786,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Security Breach of personal information which puts my financial future at risk for the rest of my life. \nEquifax negligently provided my personal information to outside parties without my knowledge or consent and provided all my pertinent and personal information in such form and as complete as to ensure that I will have to deal with the results of their neglect and improper handling of my financial information and identifying information for the rest of my life. \nEQUIFAX has NOT provided proper notification of the security breach. \nEQUIFAX has suggested they will provide a 12 month monitoring service for my credit. \nThe remedy suggested by EQUIFAX is INSUFFICIENT to  mitigate the considerable on-going life-long risk of damage to my personal finances, business opportunity and reputation. \nEQUIFAX MUST NOT BE ALLOWED TO RETAIN ANY INFORMATION ABOUT ME OR MY FINANCES IN ANY WAY SHAPE OR FORM AND MUST PURGE ALL INFORMATION ABOUT ME FROM THEIR SYSTEMS IN A WAY WHICH IS NOT RECOVERABLE AND SAFELY PREVENTS ANY FUTURE ACCESS BY EQUIFAX THEIR AGENTS OR EMPLOYEES IN PERPETUITY. \nFurther, I should NOT experience any penalty or discrimination as a result of refusing to allow EQUIFAX to handle any information relating to me or my finances.","date_sent_to_company":"2017-09-08T17:59:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30338","tags":null,"has_narrative":true,"complaint_id":"2663408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T17:38:23.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["EQUIFAX has NOT provided proper notification of the <em>security</em> breach. \nEQUIFAX has suggested they will provide a 12 month monitoring service for my credit. \nThe remedy suggested by EQUIFAX is INSUFFICIENT to  mitigate the <em>considerable</em> on-going life-long <em>risk</em> of damage to my personal finances, business opportunity and reputation."]},"sort":[17.506786,"2663408"]},{"_index":"complaint-public-v1","_id":"11675877","_score":17.296797,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally report that I have been a victim of identity theft, resulting in the unauthorized use of my Social Security number and other personal information to apply for various accounts and services without my knowledge or consent. This has caused significant financial and emotional distress, and I am seeking your assistance to address this matter. \n\nThe breaches of my personal information occurred due to multiple incidents, including : XXXX : My identity and personal information were leaked through their platform. \nLocal Hospital : My information was compromised through a breach or mishandling at my local hospital. \nEmployer : My personal data was leaked while I was employed, putting my financial security at risk. \nSocial Security Administration : Alarmingly, my personal information appears to have been mishandled or exposed through the SSA. \nThese breaches have enabled unauthorized parties to misuse my Social Security number and other personal details, causing harm to my credit and overall financial stability. As a result, I have had to spend considerable time and resources to dispute fraudulent charges and secure my accounts. \n\nI am requesting the CFPBs guidance and support in the following areas : Assistance with protecting my financial accounts and ensuring that fraudulent applications or accounts are resolved. \nAdvice on pursuing any accountability from the entities responsible for the breaches of my personal information. \nSteps I should take to further mitigate the risks of identity theft and unauthorized access to my personal data.","date_sent_to_company":"2025-01-17T04:16:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48601","tags":null,"has_narrative":true,"complaint_id":"11675877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Cedars Business Services, LLC","date_received":"2025-01-17T03:46:47.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Employer : My personal data was leaked while I was employed, putting my financial <em>security</em> at <em>risk</em>. \nSocial <em>Security</em> Administration : Alarmingly, my personal information appears to have been mishandled or exposed through the SSA. \nThese breaches have enabled unauthorized parties to misuse my Social <em>Security</em> number and other personal details, causing harm to my credit and overall financial stability."]},"sort":[17.296797,"11675877"]},{"_index":"complaint-public-v1","_id":"11674259","_score":17.296797,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally report that I have been a victim of identity theft, resulting in the unauthorized use of my Social Security number and other personal information to apply for various accounts and services without my knowledge or consent. This has caused significant financial and emotional distress, and I am seeking your assistance to address this matter. \n\nThe breaches of my personal information occurred due to multiple incidents, including : XXXX : My identity and personal information were leaked through their platform. \nLocal Hospital : My information was compromised through a breach or mishandling at my local hospital. \nEmployer : My personal data was leaked while I was employed, putting my financial security at risk. \nSocial Security Administration : Alarmingly, my personal information appears to have been mishandled or exposed through the SSA.\n\nThese breaches have enabled unauthorized parties to misuse my Social Security number and other personal details, causing harm to my credit and overall financial stability. As a result, I have had to spend considerable time and resources to dispute fraudulent charges and secure my accounts. \n\nI am requesting the CFPBs guidance and support in the following areas : Assistance with protecting my financial accounts and ensuring that fraudulent applications or accounts are resolved. \nAdvice on pursuing any accountability from the entities responsible for the breaches of my personal information. \nSteps I should take to further mitigate the risks of identity theft and unauthorized access to my personal data.","date_sent_to_company":"2025-01-17T04:16:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48601","tags":null,"has_narrative":true,"complaint_id":"11674259","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-01-17T04:16:35.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Employer : My personal data was leaked while I was employed, putting my financial <em>security</em> at <em>risk</em>. \nSocial <em>Security</em> Administration : Alarmingly, my personal information appears to have been mishandled or exposed through the SSA.\n\nThese breaches have enabled unauthorized parties to misuse my Social <em>Security</em> number and other personal details, causing harm to my credit and overall financial stability."]},"sort":[17.296797,"11674259"]},{"_index":"complaint-public-v1","_id":"11674262","_score":17.269104,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally report that I have been a victim of identity theft, resulting in the unauthorized use of my Social Security number and other personal information to apply for various accounts and services without my knowledge or consent. This has caused significant financial and emotional distress, and I am seeking your assistance to address this matter. \n\nThe breaches of my personal information occurred due to multiple incidents, including : XXXX : My identity and personal information were leaked through their platform. \nLocal Hospital : My information was compromised through a breach or mishandling at my local hospital. \nEmployer : My personal data was leaked while I was employed, putting my financial security at risk. \nSocial Security Administration : Alarmingly, my personal information appears to have been mishandled or exposed through the SSA. \nThese breaches have enabled unauthorized parties to misuse my Social Security number and other personal details, causing harm to my credit and overall financial stability. As a result, I have had to spend considerable time and resources to dispute fraudulent charges and secure my accounts. \n\nI am requesting the CFPBs guidance and support in the following areas : Assistance with protecting my financial accounts and ensuring that fraudulent applications or accounts are resolved. \nAdvice on pursuing any accountability from the entities responsible for the breaches of my personal information. \nSteps I should take to further mitigate the risks of identity theft and unauthorized access to my personal data.","date_sent_to_company":"2025-01-17T04:16:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48601","tags":null,"has_narrative":true,"complaint_id":"11674262","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-01-17T04:16:35.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Employer : My personal data was leaked while I was employed, putting my financial <em>security</em> at <em>risk</em>. \nSocial <em>Security</em> Administration : Alarmingly, my personal information appears to have been mishandled or exposed through the SSA. \nThese breaches have enabled unauthorized parties to misuse my Social <em>Security</em> number and other personal details, causing harm to my credit and overall financial stability."]},"sort":[17.269104,"11674262"]},{"_index":"complaint-public-v1","_id":"11586869","_score":16.419878,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am writing to formally express my concerns regarding the recent data breach that affected Bank of America customers, including myself. According to reports, the breach occurred in XX/XX/XXXX, exposing the personal information of over XXXX customers due to a ransomware attack on a service provider. However, I am deeply troubled by the fact that customers, including myself, were not notified until XX/XX/XXXX. \n\nThe delay in notification has put me at significant risk of identity theft and financial harm. As a loyal customer, I trusted Bank of America to safeguard my personal information and provide timely updates in the event of any security incident. The lack of prompt communication and transparency is unacceptable and has caused me considerable distress. \n\nI kindly request a detailed explanation regarding the breach, the specific data compromised, and the measures being taken to protect affected customers moving forward. Additionally, I would like to know if I am eligible for any remedies or compensation due to the potential risks I now face. \n\nI appreciate your immediate attention to this matter and expect a prompt response addressing my concerns. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-20T18:49:14.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"33607","tags":null,"has_narrative":true,"complaint_id":"11586869","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-01-20T18:44:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["The delay in notification has put me at significant <em>risk</em> of identity theft and financial harm. As a loyal customer, I trusted Bank of America to safeguard my personal information and provide timely updates in the event of any <em>security</em> incident. The lack of prompt communication and transparency is unacceptable and has caused me <em>considerable</em> distress."]},"sort":[16.419878,"11586869"]},{"_index":"complaint-public-v1","_id":"7284933","_score":16.286505,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing this letter to formally lodge a complaint against Lexis Nexis Risk Solutions for reporting significantly inaccurate and erroneous information to my insurance company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n\nLexis Nexis Risk Solutions is responsible for providing consumer reports, including details of motor vehicle accidents, traffic tickets, personal identification information, and other relevant data. However, the information that has been associated with my report is profoundly incorrect and unrepresentative of my personal and driving records. \n\nTo outline the severity of this issue, the incorrect details on my consumer report include motor vehicle accidents that I have never been involved in or have any relation to, traffic tickets that I have never received, several incorrect names, addresses, Social Security numbers, identification numbers, and phone numbers that are not related to me in any capacity. \n\nThese gross inaccuracies have had serious implications on my financial health, personal reputation, and most importantly, my insurance premium with XXXX, which relies heavily on this data to determine my insurance rates. The incorrect data from Lexis Nexis has caused undue stress, financial burden, and has been a considerable inconvenience, as I am now tasked with correcting these errors ( my yearly insurance premium increased from ~ {$1400.00} to ~ {$3600.00} ). \n\nI have attempted to resolve this matter directly with Lexis Nexis Risk Solutions, but unfortunately, to no avail. Therefore, I am now seeking your assistance to investigate this issue and to require Lexis Nexis Risk Solutions to rectify the inaccuracies promptly.","date_sent_to_company":"2023-07-22T00:53:53.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"48035","tags":"Servicemember","has_narrative":true,"complaint_id":"7284933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-07-22T00:27:10.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The incorrect data from Lexis Nexis has caused undue stress, financial burden, and has been a <em>considerable</em> inconvenience, as I am now tasked with correcting these errors ( my yearly insurance premium increased from ~ {$1400.00} to ~ {$3600.00} ). \n\nI have attempted to resolve this matter directly with Lexis Nexis <em>Risk</em> Solutions, but unfortunately, to no avail."]},"sort":[16.286505,"7284933"]},{"_index":"complaint-public-v1","_id":"7920372","_score":14.433819,"_source":{"product":"Mortgage","complaint_what_happened":"I am writing to express my deep concern regarding the current state of affairs with my mortgage provider, XXXXLoanCare LLC . The complete unavailability of their websites has prompted me to investigate the matter, and my findings indicate a potential cyberattack on the systems of XXXX XXXX XXXX ( XXXX ), resulting in service disruptions since the previous week. \n\nMy attempts to seek clarification and reassurance by contacting their customer service at XXXX have been unsuccessful. Despite persistent efforts, I have been unable to connect with a genuine customer service representative, with my calls abruptly terminated. \n\nGiven the gravity of the situation, I am profoundly worried about the security of my account information, including linked bank accounts, Social Security Number, and credit information. In light of these concerns, I am formally requesting XXXXLoanCare LLC to provide me with a comprehensive incident report detailing the specifics of the cyberattack and outlining the company 's response to this critical incident. \n\nFurthermore, I seek explicit information on the measures the company is implementing to safeguard the privacy and integrity of my personal information in the aftermath of this security breach. I believe it is imperative for the company to be transparent about the actions taken to rectify the situation and reinforce security measures. \n\nIn addition to these requests for information and reassurance, I find it necessary to formally request compensation for the disruptions and potential risks incurred as a result of this security breach. The inaccessibility of the company 's website and the inability to establish communication with customer service have not only caused considerable stress but have also raised serious concerns about the safety of my financial and personal data. \n\nConsidering the serious nature of this incident and the potential impact on my financial well-being, I expect XXXXLoanCare LLC to address this matter promptly and provide fair and appropriate compensation to mitigate any adverse effects experienced by affected customers. \n\nI anticipate your prompt attention to these pressing concerns and a thorough and satisfactory resolution to this situation.","date_sent_to_company":"2023-11-30T04:00:26.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"43227","tags":null,"has_narrative":true,"complaint_id":"7920372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2023-11-30T03:24:07.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["In addition to these requests for information and reassurance, I find it necessary to formally request compensation for the disruptions and potential <em>risks</em> incurred as a result of this <em>security</em> breach. The inaccessibility of the company 's website and the inability to establish communication with customer service have not only caused <em>considerable</em> stress but have also raised serious concerns about the safety of my financial and personal data."]},"sort":[14.433819,"7920372"]},{"_index":"complaint-public-v1","_id":"8930916","_score":14.356275,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to seek your assistance with a matter that has been causing me considerable concern. For the past month, Bank of America has blocked access to my account without any justification, despite my repeated efforts to resolve the issue. I am at a loss as to the reason for this action, but I suspect it may be related to a form I completed with XXXX, which granted them access to my account information due to the securities I purchased with them. When I became aware of the potential risks involved, I attempted to cancel the access granted to XXXX, but was unable to do so after Bank of America revoked my account access without explanation. \nThis has caused significant inconvenience and financial hardship for me, as I'm out of the country on a business trip, and will not return until XXXX. I am hopeful that you may be able to intervene in this matter to help me regain access to my account. \nI am deeply grateful for the assistance that your establishment has provided me with in the past, without which my business would have failed. I am hopeful that with your help, this matter can be resolved swiftly and effectively. Thank you for your attention to this matter, and I look forward to hearing from you soon.","date_sent_to_company":"2024-05-05T16:04:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33168","tags":"Older American","has_narrative":true,"complaint_id":"8930916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-05-05T15:10:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["I am writing to seek your assistance with a matter that has been causing me <em>considerable</em> concern. For the past month, Bank of America has blocked access to my account without any justification, despite my repeated efforts to resolve the issue. I am at a loss as to the reason for this action, but I suspect it may be related to a form I completed with XXXX, which granted them access to my account information due to the <em>securities</em> I purchased with them."]},"sort":[14.356275,"8930916"]},{"_index":"complaint-public-v1","_id":"11603956","_score":14.062716,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to express my profound concern and dissatisfaction regarding the data breach that occurred at American Express which compromised the personal information of millions, including myself. \n\nAs a consumer, I trusted AMEX to securely handle my sensitive information. However, the breach has exposed me to potential risks, including identity theft and financial fraud. Disturbingly, I have discovered that my information is now circulating on the dark web, exacerbating my fears of misuse. \n\nThis situation has significantly affected my mental well-being, causing considerable stress and anxiety over the potential misuse of my personal data. The uncertainty and vulnerability I feel are deeply unsettling, impacting both my personal and financial security. \n\nGiven these circumstances, I request that AMEX provide clear information on the steps being taken to prevent such breaches in the future, as well as the measures in place to protect affected individuals. I also seek guidance on how to monitor my credit and protect myself from any misuse of my personal data. \n\nFurthermore, I urge AMEX to offer free credit monitoring services and identity theft protection for an extended period, ensuring that affected consumers like me are safeguarded against any long-term impacts. \n\nI look forward to your prompt response addressing these concerns and outlining the actions AMEX is taking to rectify this situation. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-01-21T09:53:20.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"General-purpose credit card or charge card","zip_code":"76542","tags":"Servicemember","has_narrative":true,"complaint_id":"11603956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-01-21T09:33:45.000Z","state":"TX","company_public_response":null,"sub_issue":"Received unwanted marketing or advertising"},"highlight":{"complaint_what_happened":["However, the breach has exposed me to potential <em>risks</em>, including identity theft and financial fraud. Disturbingly, I have discovered that my information is now circulating on the dark web, exacerbating my fears of misuse. \n\nThis situation has significantly affected my mental well-being, causing <em>considerable</em> stress and anxiety over the potential misuse of my personal data. The uncertainty and vulnerability I feel are deeply unsettling, impacting both my personal and financial <em>security</em>."]},"sort":[14.062716,"11603956"]},{"_index":"complaint-public-v1","_id":"12006189","_score":13.009268,"_source":{"product":"Student loan","complaint_what_happened":"As of XX/XX/XXXXXXXX I have submitted formal complaints to FERPA and the Department of Education regarding a breach of my personal and financial information.\n\nFERPA, explicitly protects confidentiality of student records. The recent breach is a clear violation of FERPA, resulting in the unauthorized access to financial aid data, as well as the Privacy Act of 1974. These violations have EXPOSED my personal and financial information, putting me at a significant risk of harm.\n\nThe exposure of my personal and financial information has left me vulnerable to identity theft, fraud, and other forms of financial harm. The burden of monitoring and securing my accounts now falls entirely on me, causing me significant stress and inconvenience.\n\nThis breach has caused me considerable emotional and phycological distress. The unauthorized disclosure of my private information, as well as my family 's private information, has left me feeling violated and anxious about the potential long-term consequences.\n\nThe unauthorized sharing of my student records and financial data could harm my reputation, both personally and professionally. This breach undermines my trust in the department of education 's organization and its ability to protect sensitive information.\n\nI was not informed of this breach in a timely manner or at all, this represents a further violation of my rights. Many states and federal regulations require organizations to notify affected individuals immediately in the event of a data breach. \n\nThis involvement of third parties, XXXX XXXX and XXXX, in this breach raises serious questions about the organization 's data security protocols and accountability measures. It is their responsibility to ensure that third parties handling sensitive data comply with ALL APPLICABLE LAWS AND REGUALTIONS.","date_sent_to_company":"2025-03-06T14:17:42.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"800XX","tags":null,"has_narrative":true,"complaint_id":"12006189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-02-09T21:26:22.000Z","state":"CO","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["These violations have EXPOSED my personal and financial information, putting me at a significant <em>risk</em> of harm.\n\nThe exposure of my personal and financial information has left me vulnerable to identity theft, fraud, and other forms of financial harm. The burden of monitoring and securing my accounts now falls entirely on me, causing me significant stress and inconvenience.\n\nThis breach has caused me <em>considerable</em> emotional and phycological distress."]},"sort":[13.009268,"12006189"]},{"_index":"complaint-public-v1","_id":"11603063","_score":12.949024,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to formally file a complaint against Cash App ( Block , Inc. ) regarding their inadequate customer service and unfair practices, which I believe violate the Consumer Financial Protection Act ( CFPA ).\n\nMy concerns are primarily focused on the following issues : 1. Inadequate Fraud Prevention Measures : Cash App has failed to implement timely and effective measures to prevent and address fraudulent activities on their platform. My account was left vulnerable, and I experienced significant risks that were not adequately mitigated by their security protocols.\n\n2. Unfair Dispute Resolution Process : The process that Cash App employs to resolve disputes is both unfair and deceptive. I have encountered issues that were not addressed in a timely manner, and their responses lacked clarity and transparency. This is particularly concerning as it violates the error resolution requirements set forth under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These regulations mandate that financial institutions must investigate and resolve reported errors within a specified time frame, ensuring customer protection.\n\nAs a result of these failures, I have suffered considerable inconvenience and financial loss. I believe that Cash Apps actions not only contravene the CFPA but also undermine the protections intended for consumers under the EFTA and Regulation E.\n\nIn light of the above, I seek appropriate redress for the inconveniences and financial losses incurred due to Cash Apps negligence and failure to comply with federal regulations. \n\nI appreciate your attention to this matter and look forward to your prompt response.","date_sent_to_company":"2025-01-21T12:37:49.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11603063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-21T12:20:03.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My account was left vulnerable, and I experienced significant <em>risks</em> that were not adequately mitigated by their <em>security</em> protocols.\n\n2. Unfair Dispute Resolution Process : The process that Cash App employs to resolve disputes is both unfair and deceptive. I have encountered issues that were not addressed in a timely manner, and their responses lacked clarity and transparency."]},"sort":[12.949024,"11603063"]},{"_index":"complaint-public-v1","_id":"10178699","_score":12.895187,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau, Wells Fargo Bank despite its {>= $1,000,000} settlement with you IS UP TO ITS OLD TRICKS with regards to MAXIMIZING OVERDRAFT FEES! \n\nIn my case, Wells Fargo Bank is SNOWBALLING overdraft fees such that, for example, my {$25.00} check and my {$5.00} check are dishonored because of OVERDRAFT FEES! \n\nAnd now my checking account is MINUS because of OVERDRAFT FEES such that the entirety of my forthcoming SOCIAL SECURITY ADMINISTRATION bank deposit is at VERY CONSIDERABLE RISK! That is, Wells Fargo Bank shall be deducting the overdraft fees that put my checking account into negative territory!\n\n++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ THE RESULT : I SHALL BE GETTING LESS OF MY FORTHCOMING SOCIAL SECURITY ADMINISTRATION BANK DEPOSIT!\n\n+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Preventing me from getting my entire said Social Security Administration deposit IS a very serious matter indeed! In fact, at least one FELONY if not more! Call it THEFT or what, it is an illegal, an impermissible, an unethical, a totally immoral taking of my Social Security moneys upon which my beloved and loving wife, best friend, and soulmate XXXX and our beloved and loving miniature XXXX XXXX XXXX XXXX VITALLY DEPEND! I need not tell you why, tell you the XXXX! \n\nRespectfully submitted, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  until called home because of a family health catastrophe! So very sad! So immensely tragic! \nAdjunct Professor ( ret ), Business Law, Paralegal Studies, American Government Attorney-at-Law ( ret ), Constitutional Law, Criminal Law Administrative Law cc : Attorney-General XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX of the Federal Reserve Comptroller of the Currency Securities and Exchange Commission Internal Revenue Service United States Postal Service for possible MAIL FRAUD Treasury XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX XXXX XXXX New Jersey Department of the Treasury XXXX XXXX XXXX United States Senate United States House of Representatives XXXX XXXX XXXX New Jersey XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-09-20T04:28:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07090","tags":"Older American","has_narrative":true,"complaint_id":"10178699","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-09-20T04:11:51.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["And now my checking account is MINUS because of OVERDRAFT FEES such that the entirety of my forthcoming SOCIAL <em>SECURITY</em> ADMINISTRATION bank deposit is at VERY <em>CONSIDERABLE</em> <em>RISK</em>! That is, Wells Fargo Bank shall be deducting the overdraft fees that put my checking account into negative territory!\n\n++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ THE RESULT : I SHALL BE GETTING LESS OF MY FORTHCOMING SOCIAL <em>SECURITY</em> ADMINISTRATION BANK DEPOSIT!"]},"sort":[12.895187,"10178699"]},{"_index":"complaint-public-v1","_id":"13229746","_score":12.848816,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX and XXXX is suing me. \n\nThe docket number at the magisterial XXXX judge in Pennsylvania XXXX XXXX is XXXX XXXX XXXX XXXX. \n\nThese people are suing me for {$6900.00}. \n\nId like to see proof that I owe this debt which includes a signature and a contract which will inform me of my duties rights and responsibilities as a consumer. \n\nFurthermore, should these XXXX barons obtain a judgment against me, it will be unenforceable. heres why : NOTICE OF UNENFORCEABLE JUDGMENT I am a recipient of Social Security XXXX XXXX ( SSDI ) benefits due to a permanent medical condition ( XXXX XXXX XXXX ). \n\nUnder federal law, specifically 42 U.S.C. 407, my income is exempt from any form of garnishment, levy, or attachment. I possess no non-exempt assets, no real property, no employment income, and no attachable interests. \n\nIn short, I am judgment proof as a matter of law, and will remain so indefinitely. \n\n\nIt is astonishing that, despite clear financial realities and well-established legal protections, you proceeded with litigation absent even the most basic due diligence. Whether this was the product of negligence or a calculated gamble on ignorance is irrelevant ; the outcome is the same : a judgment of no value, obtained at needless expense, and a public testament to your firms lack of strategic competence. \n\n\nWhile I commend your enthusiasm in pursuing litigation, it is unfortunate that such zeal was not matched by even a cursory review of the relevant financial and legal facts. \n\nThe result a judgment wholly devoid of value and achieved at considerable cost serves as an inadvertent but striking reflection of your firms strategic decision-making capabilities. \n\nPlease be advised that any further attempts to collect on this unenforceable judgment, or to interfere with my federally protected income, will constitute a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and may also trigger claims under state consumer protection statutes and XXXX rights laws. \n\nI will not hesitate to pursue every available remedy should any further improper actions be taken. \n\nYou are hereby instructed to update your records accordingly and cease any further collection attempts. Should you elect to disregard this notice, you do so at your own considerable risk. \n\nThis concludes all necessary communication on this matter. Govern yourselves accordingly. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-29T20:49:42.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"179XX","tags":null,"has_narrative":true,"complaint_id":"13229746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Absolute Resolutions Corp.","date_received":"2025-04-29T20:36:30.000Z","state":"PA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Should you elect to disregard this notice, you do so at your own <em>considerable</em> <em>risk</em>. \n\nThis concludes all necessary communication on this matter. Govern yourselves accordingly. \n\nSincerely, XXXX XXXX XXXX"]},"sort":[12.848816,"13229746"]},{"_index":"complaint-public-v1","_id":"14536401","_score":12.728839,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear CFPB, I am writing to file a formal complaint regarding negative credit reporting issues and potential identity theft concerns resulting from a data breach disclosed by Coinbase on XX/XX/year>. \n\nPer Coinbases official breach notice, cybercriminals bribed overseas Coinbase support agents to steal customer data, including : Name, address, phone, email Masked Social Security Number ( last XXXX digits ) Masked bank account numbers and identifiers Government ID images ( drivers license, passport ) Account data ( balance snapshots, transaction history ) This stolen data has placed me at significant risk for identity theft, creating opportunities for bad actors to open accounts or manipulate my credit profile, resulting in inaccurate negative remarks on my credit report. Under 15 USC 1681c ( c ) ( 2 ), I have formally requested the removal of these inaccurate items with the credit bureaus, as these derogatory remarks are linked to identity theft and the unauthorized use of my personal information.\n\nRequest for CFPB Action : 1. Investigate Coinbases handling of this data breach and its impact on my financial safety.\n\n2. Assist in ensuring that Equifax, Experian, and TransUnion comply with my removal requests under 15 USC 1681c ( c ) ( 2 ).\n\n3. Facilitate the correction or removal of all inaccurate, fraudulent, or identity-theft-related negative items from my credit report.\n\nEnclosed with this complaint are : A copy of Coinbases official breach notification Supporting documentation regarding my identity and the disputed accounts My correspondence to the credit bureaus requesting removal of the negative remarks This breach has caused me considerable stress, wasted time, and uncertainty regarding the security of my financial profile and creditworthiness. I am requesting the CFPBs assistance in ensuring that my rights under the Fair Credit Reporting Act and consumer protection laws are upheld. \n\nThank you for your attention to this urgent matter.","date_sent_to_company":"2025-07-10T05:49:15.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"33141","tags":null,"has_narrative":true,"complaint_id":"14536401","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2025-07-10T05:29:44.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Enclosed with this complaint are : A copy of Coinbases official breach notification Supporting documentation regarding my identity and the disputed accounts My correspondence to the credit bureaus requesting removal of the negative remarks This breach has caused me <em>considerable</em> stress, wasted time, and uncertainty regarding the <em>security</em> of my financial profile and creditworthiness."]},"sort":[12.728839,"14536401"]},{"_index":"complaint-public-v1","_id":"12457261","_score":12.429239,"_source":{"product":"Student loan","complaint_what_happened":"I am writing to formally request the forgiveness of my federal student loans due to a recent data breach involving the Department of Education 's ( DOE ) data system and DOGE. As a borrower whose personal and financial information has been compromised, I believe this situation warrants consideration for loan discharge. \n\nRecent reports indicate that DOGE has been granted access to sensitive student loan borrower data housed at the DOE. This access raises significant concerns about the security and privacy of my personal information, including Social Security numbers, loan details, and other sensitive data. The breach has prompted significant legal actions and concerns : XXXX XXXX XXXX XXXX XXXX XXXX : On XX/XX/XXXX, the XXXX XXXX XXXX XXXX student government sued the XXXX, alleging unauthorized sharing of personal financial data of XXXX  of student loan borrowers with DOGE. The lawsuit claims this violates the Privacy Act of XXXX, exposing sensitive information such as Social Security numbers and bank account details, raising concerns about potential misuse in AI systems and risks like identity theft. \n\nFederal Judge 's Injunction : A federal judge issued a temporary injunction preventing the ED from sharing personal records with DOGE, indicating that such data sharing likely violated the Privacy Act by disclosing sensitive information without individuals ' consent. \nCongressional Inquiries : Democratic members of the House Oversight Committee have expressed concerns over DOGE 's access to sensitive data and its potential use in AI applications, questioning the legality and data protection measures of such access. \n\nThe unauthorized access to my personal information has caused considerable distress and potential financial harm. The exposure of sensitive data increases the risk of identity theft, fraudulent activities, and other financial losses. Given these circumstances, I am seeking relief through the discharge of my federal student loans. \n\nAdditionally, I am currently enrolled in an Income-Driven Repayment ( IDR ) plan, which is essential to maintaining my financial stability. I am deeply concerned that this data breach could jeopardize my eligibility or access to this plan. Losing the ability to participate in an IDR plan would place me under significant financial strain, making it difficult to meet my repayment obligations and maintain my quality of life. \n\nA recent federal court injunction has halted the U.S. Department of Education 's implementation of the Saving on a Valuable Education ( SAVE ) Plan and certain aspects of other income-driven repayment ( IDR ) plans. Consequently, online applications for IDR plans and loan consolidations are temporarily unavailable on StudentAid.gov. As a result of the injunction, online applications are unavailable. The Department of Education has temporarily disabled online applications for IDR plans and loan consolidations on StudentAid.gov. \n\nI respectfully request that the Consumer Financial Protection Bureau ( CFPB ) and the Department of Education consider granting a full discharge of my federal student loans due to the data breach. This action would alleviate the potential financial burden resulting from the compromised security of my personal information and protect me from future harm. \n\nThe security of personal information is paramount, and breaches of this nature undermine trust in the systems designed to protect borrowers. I urge the CFPB and the Department of Education to consider my request for loan forgiveness due to the extraordinary circumstances surrounding this data breach and the potential loss of my IDR plan eligibility. \n\nThank you for your attention to this matter. I look forward to your prompt response.","date_sent_to_company":"2025-03-13T16:59:19.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"13212","tags":null,"has_narrative":true,"complaint_id":"12457261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-03-13T16:45:59.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem with your payment plan"},"highlight":{"complaint_what_happened":["The lawsuit claims this violates the Privacy Act of XXXX, exposing sensitive information such as Social <em>Security</em> numbers and bank account details, raising concerns about potential misuse in AI systems and <em>risks</em> like identity theft."]},"sort":[12.429239,"12457261"]},{"_index":"complaint-public-v1","_id":"9710166","_score":12.09702,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at TransUnion. In XXXX Of XXXX  I learned that my personal information may have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information.\n\nThe specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information. \nImpact on Me : As a result of this breach, XXXX. Increased Risk of Identity Theft One of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions. \n\nXXXX. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity. \n\nXXXX. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience anxiety, fear, and paranoia about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues. \n\nXXXX. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities. \n\nXXXX. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether. \n\nXXXX. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates. \n\nXXXX. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names. \n\nXXXX. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred. \n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management.\n\nLack of Communication : I feel that TransUnion has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves.","date_sent_to_company":"2024-08-05T23:35:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"9710166","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-05T23:30:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Increased <em>Risk</em> of Identity Theft One of the most immediate consequences of a data breach is the heightened <em>risk</em> of identity theft. When personal information such as Social <em>Security</em> numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions. \n\nXXXX."]},"sort":[12.09702,"9710166"]},{"_index":"complaint-public-v1","_id":"9706598","_score":12.09702,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at XXXX. In XXXX Of XXXX  I learned that my personal information may have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information.\n\nThe specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information.\n\nImpact on Me : As a result of this breach, 1. Increased Risk of Identity Theft One of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions.\n\n2. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity.\n\n3. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience anxiety, fear, and paranoia about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues.\n\n4. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities.\n\n5. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether.\n\n6. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates.\n\n7. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names.\n\n8. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred.\n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management.\n\nLack of Communication : I feel that XXXX has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves.","date_sent_to_company":"2024-08-05T23:35:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"9706598","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-05T23:35:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Increased <em>Risk</em> of Identity Theft One of the most immediate consequences of a data breach is the heightened <em>risk</em> of identity theft. When personal information such as Social <em>Security</em> numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions.\n\n2."]},"sort":[12.09702,"9706598"]},{"_index":"complaint-public-v1","_id":"10330288","_score":12.067889,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"am writing to formally submit a complaint regarding a data breach that occurred at XXXX. In XXXX Of 2024 I learned that my personal information XXXX have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information. The specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information. Impact on Me : As a result of this breach, 1. Increased Risk of Identity Theft One of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This XXXX lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions. XXXX. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they XXXX incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity. 3. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience XXXX, fear, and XXXX  about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues. 4. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities. 5. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers XXXX feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether. XXXX. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates. XXXX. Legal Complications In some cases, victims XXXX find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names. XXXX. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers XXXX not have anticipated needing before the breach occurred. In summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management. Lack of Communication : I feel that XXXX has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves.","date_sent_to_company":"2024-10-03T21:49:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"10330288","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-03T21:41:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Increased <em>Risk</em> of Identity Theft One of the most immediate consequences of a data breach is the heightened <em>risk</em> of identity theft. When personal information such as Social <em>Security</em> numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This XXXX lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions. XXXX."]},"sort":[12.067889,"10330288"]},{"_index":"complaint-public-v1","_id":"9709708","_score":12.060519,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at XXXX. In XXXX Of XXXX  I learned that my personal information may have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information.\n\nThe specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information.\n\nImpact on Me : As a result of this breach, 1. Increased Risk of Identity Theft One of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions.\n\n2. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity.\n\n3. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience anxiety, fear, and paranoia about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues.\n\n4. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities.\n\n5. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether.\n\n6. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates.\n\n7. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names.\n\n8. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred.\n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management.\n\nLack of Communication : I feel that XXXX has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves.","date_sent_to_company":"2024-08-05T23:35:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"9709708","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-05T23:35:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Increased <em>Risk</em> of Identity Theft One of the most immediate consequences of a data breach is the heightened <em>risk</em> of identity theft. When personal information such as Social <em>Security</em> numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions.\n\n2."]},"sort":[12.060519,"9709708"]},{"_index":"complaint-public-v1","_id":"8415917","_score":11.971066,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against Wells Fargo for Potential Data Breach, Mismanagement of Personal Information, and Request for Monetary Damages Introduction : I am filing a complaint against Wells Fargo due to receiving communication linked to an old account under the name XXXX XXXX, my birth name, which I legally changed in XXXX and have not used since. This situation, which I believe to be a result of a data breach or severe mismanagement of personal information, is not only alarming but poses a risk to my financial security and privacy. In light of this, and my immediate need to address potential repercussions, I am seeking monetary damages to hire a private investigator and obtain necessary insurances. \n\nNarrative of Events : Upon receiving the letter from Wells Fargo regarding an account associated with a name I no longer use, I was deeply concerned about the integrity of my personal data and the security of my financial information. This incident is particularly troubling as I am in the midst of planning significant financial activities, including a capital raise and real estate transactions, necessitating a clear and secure financial standing. \n\nViolations and Requested Resolution : Gramm-Leach-Bliley Act ( GLBA ) : The potential exposure of my personal data suggests a breach of GLBA, which mandates financial institutions to protect the confidentiality and security of consumer information. \n\nFair Credit Reporting Act ( FCRA ) : Should this issue affect my credit report, it would violate the FCRA 's requirements for accurate and fair credit reporting. \n\nGiven these concerns, I request the CFPB to : Initiate a thorough investigation into the handling and protection of my personal and financial data by Wells Fargo, specifically identifying how my former name came to be associated with recent communications. \nMandate Wells Fargo to provide monetary damages sufficient to hire a private investigator to assess the extent of the data breach or mismanagement and to secure necessary insurances that would protect my financial interests moving forward. \nEnsure Wells Fargo takes immediate steps to secure my data against further unauthorized access or breaches and to correct any inaccuracies in their records or on my credit report stemming from this issue. \nConclusion : The receipt of this letter under a former name and the potential it signifies for a data breach or significant mismanagement has caused me considerable distress and concern for my financial future. It is imperative that this matter is resolved promptly and thoroughly, with Wells Fargo held accountable for any lapses in data security or management. I trust the CFPB will act swiftly to address this complaint and facilitate the necessary financial restitution for me to mitigate the potential impacts of this situation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-25T11:53:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92019","tags":null,"has_narrative":true,"complaint_id":"8415917","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-02-25T11:46:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["This situation, which I believe to be a result of a data breach or severe mismanagement of personal information, is not only alarming but poses a <em>risk</em> to my financial <em>security</em> and privacy. In light of this, and my immediate need to address potential repercussions, I am seeking monetary damages to hire a private investigator and obtain necessary insurances."]},"sort":[11.971066,"8415917"]},{"_index":"complaint-public-v1","_id":"4130999","_score":11.75195,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I apologize that what follows is somewhat long, but I promise that I will get to the issue that brought me to you guys before this explanation is over. On XX/XX/2021, Venmo contacted me that my account had been frozen, without providing any reason for doing so, and on XX/XX/2021, XXXX XXXX XXXX full last name is not revealed ) contacted me stating that : \" While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your account, we have found that your actions and activity have been in violation of this agreement. \n\nAs a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help ensure that Venmo continues to be a safe way to make payments. \n\nI opened a XXXX XXXX XXXX complaint at that point, requesting a full and unconditional restoration of service, and I following with with Venmo to ask why I had been terminated, as I did not believe I had violated the TOS. In responding to my follow-up, XXXX XXXX responded : \" We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. When we take action on accounts as we did in your situation, we do so to ensure that Venmo continues to be a secure way to make payments and that our users are operating in compliance with our terms. \n\nAs stated in our User Agreement, if we determine, in our sole discretion, that you may have breached our Terms, that you or your Account activity present risk or security concerns, we may take actions to protect Venmo and our users.\n\nSo at this point, I asked them to completely purge my personal information from their systems, and updated my XXXX XXXX XXXX  complaint to reflect that. My request was sent to XXXX XXXX of Executive Escalations at PayPal. Her response was as follows : \" To prevent customers from creating new Venmo accounts, we are declining your request to remove your information from your Venmo account. '' After further follow-up from me, Venmo is now arguing that theyre required to maintain my data. However, given that this statement is quite different from Ms. XXXX 's earlier statement, this strikes me as unlikely the real reason. It's more likely indeed the initial response Ms. XXXX gave, that maintaining that data is a convenience to Venmo. The prevention of signing up again was also the reason Ms. XXXX gave the XXXX XXXX XXXX in responding to my complaint. \n\nThis is why I've come to file a complaint with the Consumer Financial Protection Bureau about security of my personal financial information, as well as the personal financial information of anyone on that uses Venmo. This practice can not be acceptable. At its core, this entire situation is a company providing a service that requires a considerable amount of personal data, using secret reasons to terminate service, and then using that as a pretext to maintain that personal data. Consumers should not be forced to allow a company to maintain their personal data ( solely for the convenience of the company ) when that company has decided to terminate a relationship, since by electing to terminate that relationship and deny continued use of service, they are forfeiting any permissions previously granted to them for the use of that data. At the very least, such a company should be required to provide explicit quarterly disclosures stating that they will maintain your personal private information in the case of a termination, so that consumers can make an informed decision as to whether or not they want to maintain that relationship themselves. \n\nI have attempted to persuade Venmo to voluntarily remove my information or allow me to cure any issues they felt were present in my profile, but they continue to decline both, and at this point, the discussions have broken down. In Venmo 's opinion, my personal data should remain on their servers and be at risk of hackers accessing it and be at risk of financial ruin simply to serve as a convenience for Venmo. If people want to take their personal data off of a website, they should be allowed to do so. They shouldn't be forced to forever wear the risk that Venmo 's security isn't good enough and that their data is hacked and they're not in a position to protect it because their service was terminated. This is why I'm now asking for regulatory intervention, because I can not believe that a practice that effectively steals private information and hides behind secret pretexts is in line with any existing financial regulation.","date_sent_to_company":"2021-02-10T21:17:13.000Z","issue":"Other service problem","sub_product":"Domestic (US) money transfer","zip_code":"75013","tags":null,"has_narrative":true,"complaint_id":"4130999","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2021-02-10T20:49:00.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In Venmo 's opinion, my personal data should remain on their servers and be at <em>risk</em> of hackers accessing it and be at <em>risk</em> of financial ruin simply to serve as a convenience for Venmo. If people want to take their personal data off of a website, they should be allowed to do so. They shouldn't be forced to forever wear the <em>risk</em> that Venmo 's <em>security</em> isn't good enough and that their data is hacked and they're not in a position to protect it because their service was terminated."]},"sort":[11.75195,"4130999"]},{"_index":"complaint-public-v1","_id":"9826392","_score":11.558632,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at XXXX. In XXXX XXXX XXXX  I learned that my personal information may have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information.\n\nThe specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information.\n\nImpact on Me : As a result of this breach, 1. Increased Risk of Identity Theft One of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions.\n\n2. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity.\n\n3. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience anxiety, fear, and paranoia about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues.\n\n4. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities.\n\n5. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether.\n\n6. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates.\n\n7. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names.\n\n8. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred.\n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management.\n\nLack of Communication : I feel that XXXX has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves. \nI request that XXXX take immediate action to rectify this situation by : REMOVING ALL ACCOUNTS REQUESTED Providing clear communication about what specific data was compromised. \nOffering free credit monitoring services for affected individuals.\n\nImplementing stronger security measures to prevent future breaches. \nI appreciate your attention to this matter and look forward to your prompt response.","date_sent_to_company":"2024-08-16T17:56:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"891XX","tags":null,"has_narrative":true,"complaint_id":"9826392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-16T17:56:36.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Increased <em>Risk</em> of Identity Theft One of the most immediate consequences of a data breach is the heightened <em>risk</em> of identity theft. When personal information such as Social <em>Security</em> numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions.\n\n2."]},"sort":[11.558632,"9826392"]},{"_index":"complaint-public-v1","_id":"9708032","_score":11.558632,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at TransUnion. In XXXX Of XXXX I learned that my personal information may have been compromised due to a security incident involving your company in XX/XX/XXXX. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information. \n\nThe specific details of the breach include : Nature of the XXXX : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information. \nImpact on Me : As a result of this breach, 1. Increased Risk of Identity Theft One of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions. \n\n2. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity. \n\n3. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience XXXX, fear, and paranoia about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues. \n\n4. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities. \n\n5. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether. \n\n6. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates. \n\n7. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names. \n\n8. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred. \n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management. \n\n\nLack of Communication : I feel that TransUnion has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves. \nI request that TransUnion take immediate action to rectify this situation by : REMOVING ALL ACCOUNTS REQUESTED Providing clear communication about what specific data was compromised. \nOffering free credit monitoring services for affected individuals. \nImplementing stronger security measures to prevent future breaches. \nI appreciate your attention to this matter and look forward to your prompt response.","date_sent_to_company":"2024-08-05T15:08:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"9708032","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-05T15:08:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The specific details of the breach include : Nature of the XXXX : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social <em>Security</em> numbers, and financial information. \nImpact on Me : As a result of this breach, 1. Increased <em>Risk</em> of Identity Theft One of the most immediate consequences of a data breach is the heightened <em>risk</em> of identity theft."]},"sort":[11.558632,"9708032"]},{"_index":"complaint-public-v1","_id":"9828015","_score":11.524912,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at TransUnion. In XXXX Of XXXX I learned that my personal information may have been compromised due to a security incident involving your company. This breach has caused me significant XXXX  and concern regarding identity theft and unauthorized access to my sensitive information. \n\nThe specific details of the breach include : Nature of the Breach : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information. \nImpact on Me : As a result of this breach, 1. Increased Risk of Identity Theft One of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions. \n\n2. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they may incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity. \n\nXXXXXXXX XXXX XXXX XXXX XXXX Living under the threat of identity theft can lead to considerable emotional distress. Consumers XXXX experience anxiety, fear, and paranoia about their personal information being misused. The constant worry about potential fraud can affecXXXX XXXX XXXX  and overall XXXX XXXX XXXX XXXX-related issues. \n\n4. Time Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities. \n\n5. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether.\n\n6. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates.\n\n7. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names. \n\n8. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred.\n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management.\n\nLack of Communication : I feel that TransUnion has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves. \nI request that TransUnion take immediate action to rectify this situation by : REMOVING ALL ACCOUNTS REQUESTED Providing clear communication about what specific data was compromised. \nOffering free credit monitoring services for affected individuals. \nImplementing stronger security measures to prevent future breaches. \nI appreciate your attention to this matter and look forward to your prompt response.","date_sent_to_company":"2024-08-16T16:45:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"891XX","tags":null,"has_narrative":true,"complaint_id":"9828015","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-16T16:32:25.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Increased <em>Risk</em> of Identity Theft One of the most immediate consequences of a data breach is the heightened <em>risk</em> of identity theft. When personal information such as Social <em>Security</em> numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This may lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions. \n\n2."]},"sort":[11.524912,"9828015"]},{"_index":"complaint-public-v1","_id":"9827623","_score":11.524912,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding a data breach that occurred at XXXX. In XXXX Of XX/XX/XXXX I learned that my personal information XXXX have been compromised due to a security incident involving your company. This breach has caused me significant distress and concern regarding identity theft and unauthorized access to my sensitive information. \n\nThe specific details of the breach include : Nature of the XXXX : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social Security numbers, and financial information. \nImpact on Me : As a result of this breach, XXXX. Increased Risk of Identity Theft XXXX of the most immediate consequences of a data breach is the heightened risk of identity theft. When personal information such as Social Security numbers, credit card details, or bank account information is exposed, cybercriminals can use this data to impersonate individuals. This XXXX lead to unauthorized transactions, opening new accounts in the victims name, or even committing fraud against financial institutions. \n\nXXXX. Financial Losses The financial implications for consumers can be significant. Victims of identity theft often face direct financial losses due to fraudulent activities conducted using their stolen information. Additionally, they XXXX incur costs related to restoring their identity, such as legal fees or expenses associated with freezing their credit reports and monitoring their accounts for suspicious activity. \n\nXXXX. Emotional and Psychological Stress Living under the threat of identity theft can lead to considerable emotional distress. Consumers may experience anxiety, fear, and paranoia about their personal information being misused. The constant worry about potential fraud can affect mental health and overall well-being, leading to stress-related issues. \n\nXXXX. XXXXime Consumption for Recovery Recovering from a data breach can be an arduous process that consumes significant time and effort. Victims often need to spend hours contacting banks, credit bureaus, and law enforcement agencies to report fraud or unauthorized transactions. This recovery process can disrupt daily life and responsibilities. \n\nXXXX. Erosion of Trust in Organizations Data breaches erode consumer trust in organizations that fail to protect sensitive information adequately. When companies experience breaches, customers may feel betrayed and question whether they should continue doing business with them. This loss of trust can lead consumers to switch services or avoid sharing personal information altogether. \n\nXXXX. Impact on Credit Scores If identity thieves open accounts in a victims name or accrue debt using stolen identities, it can negatively impact the victims credit score. A lower credit score can hinder future financial opportunities such as obtaining loans or mortgages at favorable rates. \n\nXXXX. Legal Complications In some cases, victims may find themselves entangled in legal issues stemming from identity theft or data misuse. They might need to engage legal counsel to navigate disputes with creditors or resolve issues arising from fraudulent accounts opened in their names. \n\nXXXX. Long-term Monitoring Needs Following a data breach, consumers are often advised to monitor their financial accounts closely for any signs of fraud or unusual activity continuously. This long-term vigilance requires ongoing attention and resources that many consumers may not have anticipated needing before the breach occurred.\n\nIn summary, a data breach significantly impacts a consumers life, affecting them financially, emotionally, and socially while also leading to long-term challenges related to trust and security management.\n\nLack of Communication : I feel that TransUnion has not provided adequate communication regarding the specifics of this breach or guidance on how affected consumers can protect themselves. \nI request that TransUnion take immediate action to rectify this situation by : REMOVING ALL ACCOUNTS REQUESTED Providing clear communication about what specific data was compromised.\n\nOffering free credit monitoring services for affected individuals. \nImplementing stronger security measures to prevent future breaches. \nI appreciate your attention to this matter and look forward to your prompt response.","date_sent_to_company":"2024-08-16T16:45:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"891XX","tags":null,"has_narrative":true,"complaint_id":"9827623","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-16T16:45:27.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The specific details of the breach include : Nature of the XXXX : It was reported that unauthorized individuals gained access to sensitive consumer data, including names, Social <em>Security</em> numbers, and financial information. \nImpact on Me : As a result of this breach, XXXX. Increased <em>Risk</em> of Identity Theft XXXX of the most immediate consequences of a data breach is the heightened <em>risk</em> of identity theft."]},"sort":[11.524912,"9827623"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":73,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":73}]}},"product":{"doc_count":73,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":38,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":38}]}},{"key":"Checking or savings account","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":11}]}},{"key":"Debt 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