{"took":334,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":629,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2662197","_score":19.237312,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax improperly handled their data security, allowing over 140 million credit report accounts, including account numbers, addresses and social security numbers, to be accessed by unknown third parties for an undisclosed amount of time. They have failed to notify affected customers in a timely manner and have not provided any clear method of protection of consumers or plan to correct this catastrophic error. Hundreds of millions are now at immediate risk of identity theft and fraud.","date_sent_to_company":"2017-09-09T19:48:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"98406","tags":null,"has_narrative":true,"complaint_id":"2662197","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T19:11:20.000Z","state":"WA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax improperly handled their <em>data</em> <em>security</em>, allowing over 140 million credit report accounts, including account numbers, addresses and social <em>security</em> numbers, to be accessed by unknown third parties for an undisclosed amount of time. They have failed to notify affected <em>customers</em> in a timely manner and have not provided any clear method of <em>protection</em> of consumers or plan to correct this catastrophic error. Hundreds of millions are now at immediate risk of identity theft and <em>fraud</em>."]},"sort":[19.237312,"2662197"]},{"_index":"complaint-public-v1","_id":"1923029","_score":19.004063,"_source":{"product":"Credit card","complaint_what_happened":"Bank of America ( BofA ) just assigned a new account number, as there was a \" data compromise at a merchant where you do business ''. BofA customer service representative state that the Bank does not know which merchant 's data protection measures were inadequate. Apparently, the XXXX organization does not report that to BofA. XXXX simply reports the account numbers that were - or may have been - compromised. My question is simply. Can CFPB compel XXXX to disclose to cardholders the name of a merchant, whose inadequate data security led to the account compromise? I want this information, as I do not want to do business with any company, that has inadequate data protection measures. I have no concerns about financial liability for any fraud : the law shields me. I simply want to be able to re-direct my business away from those, who do not grasp the paramount importance of data security.","date_sent_to_company":"2016-05-12T22:09:54.000Z","issue":"Identity theft / Fraud / Embezzlement","sub_product":null,"zip_code":"030XX","tags":"Older American","has_narrative":true,"complaint_id":"1923029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-05-12T22:09:53.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Can CFPB compel XXXX to disclose to cardholders the name of a merchant, whose inadequate <em>data</em> <em>security</em> led to the account compromise? I want this information, as I do not want to do business with any company, that has inadequate <em>data</em> <em>protection</em> measures. I have no concerns about financial liability for any <em>fraud</em> : the law shields me. I simply want to be able to re-direct my business away from those, who do not grasp the paramount importance of <em>data</em> <em>security</em>."],"issue":["Identity theft / <em>Fraud</em> / Embezzlement"]},"sort":[19.004063,"1923029"]},{"_index":"complaint-public-v1","_id":"21482279","_score":18.837606,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Against Bank of America , N.A . \nIssue : Unauthorized ACH Transfers/ Failure to Protect Deposited Funds Amount at Issue : Approximately {$8000.00} Summary of Complaint Bank of America , N.A . failed to implement and maintain reasonable information security, customer data protection, and fraud detection controls, which directly resulted in multiple unauthorized ACH transactions being fraudulently withdrawn from my checking account. Despite timely reporting, Bank of America has failed to reimburse me for approximately {$8000.00} in stolen funds, causing significant financial harm.\n\nDescription of What Happened My Bank of America checking account was compromised due to Bank of Americas failure to adequately protect my account and monitor for fraudulent activity. A single perpetrator was able to initiate multiple unauthorized ACH transfers, in rapid succession, to the same payee. These transactions were executed without my knowledge, authorization, or consent. \n\nAt no point did Bank of America : - Notify me of suspicious or anomalous transaction activity, - Intervene to suspend or block the transactions, or - Apply basic velocity controls or ACH fraud safeguards that are standard within the banking industry. \n\nThese transactions occurred openly and repeatedly, demonstrating a total breakdown in Bank of Americas fraud monitoring and customer protection systems. The first and only notification I received of this activity was when my account has withdrawn.\n\nFailure of Information Security and Customer Data Protection Bank of America holds itself out as a financial institution capable of safeguarding customer funds and sensitive financial data. In this instance, Bank of Americas information security and customer data protection programs failed. Unauthorized access to my account was possible, and once compromised, the account remained vulnerable long enough for multiple fraudulent transfers to be completed.\n\nThis failure constitutes a breakdown in Bank of Americas obligations to implement reasonable administrative, technical, and operational safeguards to protect consumer accounts.\n\nFailure of Fraud Detection and ACH Controls The unauthorized activity exhibited obvious fraud indicators, including : - Multiple ACH transfers occurring in a short period of time, - Transfers sent to the same payee, - Transaction behavior inconsistent with my historical account usage.\n\nAny reasonable ACH monitoring system employing standard velocity limits, anomaly detection, or transaction pattern analysis should have flagged and prevented this activity. Had Bank of America implemented effective fraud detection controls, the theft would have been interrupted early, and my financial losses would have been negligible. \nInstead, Bank of America allowed the perpetrator to continue withdrawing funds unchecked. \n\nResulting Harm As a direct and proximate result of Bank of Americas failures : - Approximately {$8000.00} was fraudulently removed from my checking account.\n\n- I am unable to meet existing financial obligations. \n- I have suffered financial hardship caused solely by Bank of Americas failure to safeguard funds I entrusted to them.\n\n- Bank of America has failed to reimburse the stolen funds timely despite the transactions being unauthorized.\n\nBank of Americas Responsibility Bank of America was the entity that : - Controlled the account infrastructure, - Processed the ACH transactions, - Failed to detect and prevent repeated fraudulent withdrawals, and - Allowed the continued removal of my funds after clear fraud indicators were present.\n\nThe loss was caused by Bank of Americas deficient fraud prevention framework, not by any wrongdoing or negligence on my part.\n\nRequested Resolution I respectfully request that the Consumer Financial Protection Bureau : - Require Bank of America to immediately reimburse me for the full amount of unauthorized withdrawals ( approximately {$8000.00} ).\n\n- Investigate Bank of Americas ACH transaction monitoring, velocity controls, and fraud detection systems that allowed repeated unauthorized transfers.\n\n- Require Bank of America to assess and strengthen its customer data protection and fraud prevention programs to prevent similar consumer harm.\n\nClosing Statement Consumers are entitled to rely on financial institutions to protect deposited funds through reasonable security and fraud control measures. Bank of America failed to meet this obligation and has improperly shifted the financial consequences of its failures onto me. CFPB intervention is necessary to ensure reimbursement and to prevent recurrence.","date_sent_to_company":"2026-04-22T14:47:36.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30506","tags":"Servicemember","has_narrative":true,"complaint_id":"21482279","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-22T14:34:21.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Failure of Information <em>Security</em> and <em>Customer</em> <em>Data</em> <em>Protection</em> Bank of America holds itself out as a financial institution capable of safeguarding <em>customer</em> funds and sensitive financial <em>data</em>. In this instance, Bank of Americas information <em>security</em> and <em>customer</em> <em>data</em> <em>protection</em> programs failed. Unauthorized access to my account was possible, and once compromised, the account remained vulnerable long enough for multiple fraudulent transfers to be completed."]},"sort":[18.837606,"21482279"]},{"_index":"complaint-public-v1","_id":"2665955","_score":18.801392,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was included in the customers who had sensitive data stolen due to improper and insufficient security protocols at Equifax. Identifying information that could be used to commit fraud against my person was not properly stored or protected, making such a breach easier than it should have been. \n\nDespite the inadequate security protections, Equifax has not approached the situation with clarity. They have continually utilized improper IT security measures in their response, further exposing affected individuals to the loss of sensitive information. \n\nIt has come to light that Equifax senior management knew of this breach for months before notifying the affected individuals. Instead of informing individuals of what transpired, Equifax management instead decided to illegally offload holdings in the company before public disclosure of the data breach.","date_sent_to_company":"2017-09-08T17:11:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10014","tags":null,"has_narrative":true,"complaint_id":"2665955","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T16:52:24.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I was included in the <em>customers</em> who had sensitive <em>data</em> stolen due to improper and insufficient <em>security</em> protocols at Equifax. Identifying information that could be used to commit <em>fraud</em> against my person was not properly stored or protected, making such a breach easier than it should have been. \n\nDespite the inadequate <em>security</em> <em>protections</em>, Equifax has not approached the situation with clarity."]},"sort":[18.801392,"2665955"]},{"_index":"complaint-public-v1","_id":"2660380","_score":18.708792,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX 2017 ( as far as I know ). They confirmed I was affected by the breach per their \" Potential Impact '' site www.equifaxsecurity2017.com. \n\nThier gross negligence in data security has put me and millions of other customers at risk of Identity theft and financial fraud. Shamelessly, they are further attempting to capitalize on the situation by signing affected people up for \" trial periods '' of their ID protection services that have hidden terms of service that waive their right to sue the company in what is clearly a situation of negligence/fraudulent behavior. Not only this, they have n't even contacted and informed the affected customers despite them clearly having the wherewithal to do so.","date_sent_to_company":"2017-09-09T04:56:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11201","tags":null,"has_narrative":true,"complaint_id":"2660380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T04:39:03.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax mishandled my personal information including Name, Social <em>Security</em> #, Address, Birthdate, etc.  resulting in a <em>data</em> breach in XXXX 2017 ( as far as I know ). They confirmed I was affected by the breach per their \" Potential Impact '' site www.equifaxsecurity2017.com. \n\nThier gross negligence in <em>data</em> <em>security</em> has put me and millions of other <em>customers</em> at risk of Identity theft and financial <em>fraud</em>."]},"sort":[18.708792,"2660380"]},{"_index":"complaint-public-v1","_id":"10590930","_score":18.51186,"_source":{"product":"Checking or savings account","complaint_what_happened":"Heres the revised complaint letter to include references to XXXX XXXX and XXXX along with Cash App, Block , IncXXXX, and XXXX XXXX \n\n[ Your Name ] XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Date : [ Todays Date ] To : Compliance Department Block , Inc. / Cash App XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Cc : Compliance Department XXXX XXXX XXXX XXXX XXXX. \n[ XXXX Address ] [ City, State, Zip Code ] Compliance Department XXXX XXXX and XXXX [ Bank Address ] [ City, State, Zip Code ] Subject : Formal Complaint Unauthorized Transactions, Data Breach, Privacy Violations, and Internal Fraud To Whom It May Concern, I am submitting a formal complaint concerning unauthorized transactions, potential data breaches, privacy violations, and fraud involving my Cash App account with Block , Inc. Additionally, I wish to address the involvement of XXXX XXXX and XXXX and XXXX XXXX in relation to these issues, particularly in light of recent findings suggesting internal mismanagement and fraud linked to recycled numbers and accounts. \n\nBackground In recent months, I have experienced repeated instances of unauthorized activity and irregular account balances on my Cash App account, leading to significant financial losses. It has come to my attention that Cash App is currently involved in a settlement concerning issues related to internal fraud, including the recycling of customer account numbers. \n\nDetails of the Complaint 1. Unauthorized Transactions Despite my efforts to secure my account, unauthorized transactions have persisted, resulting in considerable financial loss. Given the known issues with Cash Apps internal security, I am concerned that these breaches are connected to the reported recycling of customer numbers. \n2. Data Breach and Privacy Violation I believe my personal information may have been compromised due to inadequate data protection measures within Cash App, XXXXXXXX XXXX and potentially with XXXXXXXX XXXX. The reported internal fraud raises serious concerns about the effectiveness of data security practices, leading to privacy violations and unauthorized access. \n3. Fraud Linked to Internal Mismanagement The ongoing settlement regarding Cash App due to alleged mismanagement of customer funds through recycled accounts raises critical questions about the integrity of account management practices. I urge Block , IncXXXX, XXXXXXXX XXXX XXXX XXXX XXXX to investigate these issues thoroughly as they pertain to my account. \nXXXX. Collaboration Among Financial Institutions Given the interconnections between Cash App, XXXXXXXX XXXX and XXXX XXXX  I request that all three institutions work together to clarify the movement of funds and any irregularities affecting my account. Transparency from all parties is essential to resolving this matter effectively. \n\nRequested Actions Full Reimbursement : I am requesting reimbursement for all unauthorized transactions on my Cash App account. \nInvestigation of Fraud Allegations : I request a comprehensive investigation into any internal fraud involving recycled account numbers. \nData Protection Assurance : Implement an immediate assessment of data protection policies to ensure the safeguarding of customers personal information and account security. \n\nTimeline for Response Please provide a response with a proposed resolution within 15 days of receipt of this letter. I am also notifying XXXXXXXX XXXX the Office of Foreign Assets Control ( OFAC ), and the U.S. Department of the Treasury, FinCen, FTC, FDIC all government entities to ensure full compliance and accountability. \n\nThank you for your prompt attention to these concerns and for taking the necessary steps to ensure the security of customer funds.","date_sent_to_company":"2024-10-27T14:10:03.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"30180","tags":null,"has_narrative":true,"complaint_id":"10590930","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-10-27T13:58:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Investigation of <em>Fraud</em> Allegations : I request a comprehensive investigation into any internal <em>fraud</em> involving recycled account numbers. \n<em>Data</em> <em>Protection</em> Assurance : Implement an immediate assessment of <em>data</em> <em>protection</em> policies to ensure the safeguarding of <em>customers</em> personal information and account <em>security</em>. \n\nTimeline for Response Please provide a response with a proposed resolution within 15 days of receipt of this letter."]},"sort":[18.51186,"10590930"]},{"_index":"complaint-public-v1","_id":"17387070","_score":18.392975,"_source":{"product":"Credit card","complaint_what_happened":"Today on XX/XX/year> Capital One employees closed both credit card accounts that I was the holder of in retaliation because I exercised my right to report them to the Consumer Financial Protection Bureau after charged me usury on the accounts. Capital One employees are engaging in securities fraud and data breaches involving personal information. They are not in compliance in with agencies who investigates financial assets and securities. All contracts issued by capital XXXX are counterfeit due to such documents created out of deception to deceive account holders and cut off the account holders accounts for reporting violations to the financial protection bureaus. Capital One engages in organized crime and are not reporting payments that it receives from customers to the Internal Revenue Service.","date_sent_to_company":"2025-11-20T16:38:27.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"17387070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-20T16:28:32.000Z","state":"TN","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Today on XX/XX/year> Capital One employees closed both credit card accounts that I was the holder of in retaliation because I exercised my right to report them to the Consumer Financial <em>Protection</em> Bureau after charged me usury on the accounts. Capital One employees are engaging in <em>securities</em> <em>fraud</em> and <em>data</em> breaches involving personal information. They are not in compliance in with agencies who investigates financial assets and <em>securities</em>."]},"sort":[18.392975,"17387070"]},{"_index":"complaint-public-v1","_id":"22749879","_score":18.196728,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>2026, I spent over XXXXXX/XX/XXXXon the phone with Citi customer support regarding myXX/XX/XXXX account. Due to an internal clerical error where a Citi agent entered an incorrect CVV on my first physical account, my account was falsely flagged for fraud and locked. I was passed through XXXX different departments. XXXX separate supervisors intentionally hung up the phone on me. The final representative asked for my full CVV and account data under the guise of creating a 'support ticket, ' extracted the data, and immediately disconnected the line. This is a severe breach of consumer data security, consumer protection, and abusive service practices. I demand a full review of the recorded calls, a formal apology, and a {$150.00} statement credit for the severe distress and security risk caused by Citi 's staff.","date_sent_to_company":"2026-05-31T17:45:14.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"33935","tags":null,"has_narrative":true,"complaint_id":"22749879","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-05-31T17:41:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["The final representative asked for my full CVV and account <em>data</em> under the guise of creating a 'support ticket, ' extracted the <em>data</em>, and immediately disconnected the line. This is a severe breach of consumer <em>data</em> <em>security</em>, consumer <em>protection</em>, and abusive service practices. I demand a full review of the recorded calls, a formal apology, and a {$150.00} statement credit for the severe distress and <em>security</em> risk caused by Citi 's staff."]},"sort":[18.196728,"22749879"]},{"_index":"complaint-public-v1","_id":"9640794","_score":17.849094,"_source":{"product":"Debt collection","complaint_what_happened":"15 U.S. Code $ 1681c-2. \nXXXX XXXX XXXX experienced a significant data breach in 2021. In XX/XX/year>2021, it was reported that hackers had stolen the personal information of about 70 million XXXX XXXX XXXX customers, including myself. The stolen data included names, phone numbers, physical addresses, Social Security numbers, and dates of births. \nI want these items deleted from my credit file. \n\nXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX As an affected customer, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social Security number, and date of birth. \n\nThe exposure of such sensitive data put me at risk of identity theft, fraud, and other malicious activities. I am requesting the following actions to mitigate the potential impact of this breach : Credit Monitoring and Identity Theft Protection : I request that XXXX XXXX XXXX provide complimentary credit monitoring services and identity theft protection for a minimum of two years. This should include regular credit reports, alerts for suspicious activity, and access to identity restoration services if needed. \nAssurance of Enhanced Security Measures : I would like a detailed explanation of the steps XXXX XXXX XXXX is taking to enhance its security measures to prevent future data breaches. This should include information on improved data encryption, access controls, and employee training. \nCompensation for Any Losses : In the event that I suffer any financial losses or damages as a result of this data breach, I request that XXXX XXXX XXXX provide fair compensation to cover these losses. This includes reimbursement for any expenses incurred due to the breach, such as costs associated with credit monitoring and legal fees. \n\nPlease acknowledge receipt of this letter and provide a response outlining the steps XXXX XXXX XXXX will take to address my concerns. I trust that XXXX XXXX XXXX values its customers privacy and will take the necessary actions to resolve this matter promptly and satisfactorily. \n\nThank you for your immediate attention to this serious issue. I look forward to your prompt response.","date_sent_to_company":"2024-07-27T17:01:20.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9640794","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-27T16:45:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX As an affected <em>customer</em>, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social <em>Security</em> number, and date of birth. \n\nThe exposure of such sensitive <em>data</em> put me at risk of identity theft, <em>fraud</em>, and other malicious activities."]},"sort":[17.849094,"9640794"]},{"_index":"complaint-public-v1","_id":"9635996","_score":17.833052,"_source":{"product":"Debt collection","complaint_what_happened":"UR COMPLAINT 15 U.S. Code $ 1681c-2. XXXX XXXX XXXX experienced a significant data breach in 2021. In XX/XX/year>, it was reported that hackers had stolen the personal information of about 70 million XXXX & XXXX customers, including myself. The stolen data included names, phone numbers, physical addresses, Social Security numbers, and dates of births. I want these items deleted from my credit file. XXXX XXXX XXXX XXXX As an affected customer, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social Security number, and date of birth. The exposure of such sensitive data put me at risk of identity theft, fraud, and other malicious activities. I am requesting the following actions to mitigate the potential impact of this breach : Credit Monitoring and Identity Theft Protection : I request thaXXXX XXXX XXXX XXXX provide complimentary credit monitoring services and identity theft protection for a minimum of two years. This should include regular credit reports, alerts for suspicious activity, and access to identity restoration services if needed. Assurance of Enhanced Security Measures : I would like a detailed explanation of the steps XXXX XXXX XXXX is taking to enhance its security measures to prevent future data breaches. This should include information on improved data encryption, access controls, and employee training. Compensation for Any Losses : In the event that I suffer any financial losses or damages as a result of this data breach, I request that XXXX XXXX XXXX provide fair compensation to cover these losses. This includes reimbursement for any expenses incurred due to the breach, such as costs associated with credit monitoring and legal fees. Please acknowledge receipt of this letter and provide a response outlining the steps XXXX XXXX XXXX will take to address my concerns. I trust that XXXX XXXX XXXX values its customers privacy and will take the necessary actions to resolve this matter promptly and satisfactorily. Thank you for your immediate attention to this serious issue. I look forward to your prompt response.","date_sent_to_company":"2024-07-27T17:16:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9635996","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-27T17:06:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX As an affected <em>customer</em>, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social <em>Security</em> number, and date of birth. The exposure of such sensitive <em>data</em> put me at risk of identity theft, <em>fraud</em>, and other malicious activities."]},"sort":[17.833052,"9635996"]},{"_index":"complaint-public-v1","_id":"9635820","_score":17.833052,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX $ XXXX. XXXX XXXX XXXX experienced a significant data breach in XXXX XXXX XXXX XXXXXX/XX/year>, it was reported that hackers had stolen the personal information of about XXXX XXXX XXXX XXXX XXXX customers, including myself. The stolen data included names, phone numbers, physical addresses, Social Security numbers, and dates of births. \nI want these items deleted from my credit file. \n\nXXXX XXXX XXXX XXXX Blaze XXXX As an affected customer, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social Security number, and date of birth. \n\nThe exposure of such sensitive data put me at risk of identity theft, fraud, and other malicious activities. I am requesting the following actions to mitigate the potential impact of this breach : Credit Monitoring and Identity Theft Protection : I request that AT & T provide complimentary credit monitoring services and identity theft protection for a minimum of XXXX years. This should include regular credit reports, alerts for suspicious activity, and access to identity restoration services if needed. \nAssurance of Enhanced Security Measures : I would like a detailed explanation of the steps XXXX XXXX XXXX is taking to enhance its security measures to prevent future data breaches. This should include information on improved data encryption, access controls, and employee training. \nCompensation for Any Losses : In the event that I suffer any financial losses or damages as a result of this data breach, I request that XXXX XXXX XXXX provide fair compensation to cover these losses. This includes reimbursement for any expenses incurred due to the breach, such as costs associated with credit monitoring and legal fees. \n\nPlease acknowledge receipt of this letter and provide a response outlining the steps XXXX XXXX XXXX will take to address my concerns. I trust that XXXX XXXX XXXX values its customers privacy and will take the necessary actions to resolve this matter promptly and satisfactorily. \n\nThank you for your immediate attention to this serious issue. I look forward to your prompt response.","date_sent_to_company":"2024-07-27T17:30:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9635820","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-27T17:24:22.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX Blaze XXXX As an affected <em>customer</em>, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social <em>Security</em> number, and date of birth. \n\nThe exposure of such sensitive <em>data</em> put me at risk of identity theft, <em>fraud</em>, and other malicious activities."]},"sort":[17.833052,"9635820"]},{"_index":"complaint-public-v1","_id":"16216310","_score":17.62504,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Consumer Financial Protection Complaint Coinbase Unauthorized XXXX  Trade and Theft of {$150000.00} To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX, XXXX  XXXX DC XXXX, XXXX From : XXXX XXXX Email : XXXX XXXX  Dear CFPB, I am filing this complaint regarding Coinbase , Inc. for illegal unauthorized trading, inadequate customer support, and security failures that resulted in my loss of {$150000.00}. \nOn XX/XX/2025, I wired {$40000.00} to my Coinbase account, which was illegally and without my consent converted into XRP ( Advanced XXXX XXXX XXXX  Coinbase failed to resolve this despite my repeated inquiries. \nOn XX/XX/XXXX and XXXX, 2025, after requesting a telephone request with Coinbase, scammers impersonating its employees called me ( XXXX, XXXX, XXXX, and XXXX ). They persuaded me to install XXXX and subsequently stole my full balance {$150000.00} worth of XXXX on XX/XX/2025. \nI believe Coinbases delayed support, security management failures, and internal data exposure directly caused this fraud.\n\nI request the CFPB to investigate Coinbases consumer protection practices and hold it accountable for failing to safeguard customer funds and data. \nSupporting References : XXXX XXXXXXXX Complaint IDs : XXXX / XXXX NJ Police Case XXXX XXXX XXXX","date_sent_to_company":"2025-09-28T04:27:59.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"074XX","tags":"Older American","has_narrative":true,"complaint_id":"16216310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2025-09-28T03:42:04.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I believe Coinbases delayed support, <em>security</em> management failures, and internal <em>data</em> exposure directly caused this <em>fraud</em>.\n\nI request the CFPB to investigate Coinbases consumer <em>protection</em> practices and hold it accountable for failing to safeguard <em>customer</em> funds and <em>data</em>. \nSupporting References : XXXX XXXXXXXX Complaint IDs : XXXX / XXXX NJ Police Case XXXX XXXX XXXX"],"issue":["<em>Fraud</em> or scam"]},"sort":[17.62504,"16216310"]},{"_index":"complaint-public-v1","_id":"2662333","_score":17.622467,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax mishandled my personal information including Name, Social Security Number, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017. Equifax confirmed I was affected by this breach per their \" Potential Impact '' site www.equifaxsecurity2017. \n\nEquifax put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Equifax is further attempting to capitalize on its gross negligence by encouraging injured parties to register for \" trial periods '' of their ID protection services, defrauding these injured parties with hidden subscription fees that are imposed after the trial period expires, as well as with terms of service that waive customers ' rights to sue the company for criminal negligence/fraudulent behavior. \n\nI demand that Equifax rectify its gross negligence through the following actions : 1 ) Permanently waive all fees for placing and removing security freezes on credit reports.\n2 ) Issue full refunds to all individuals who purchased security freezes from credit reporting firms following this data breach.\n3 ) Permanently waive all fees for placing or removing fraud alerts on credit reports.\n4 ) Issue refunds to all individuals who purchased fraud alerts from credit reporting firms following this data breach.\n5 ) Enable individuals to place permanent fraud alerts on credit histories at no charge, instead of limiting fraud alerts to 7-year periods.\n6 ) Issue unique Personal Identification Numbers ( PINs ) to individuals who request security freezes on credit reports, instead issuing PINS that are actually easily replicated date stamps in the format of MMDDYYXXXX.","date_sent_to_company":"2017-09-09T22:17:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"02860","tags":null,"has_narrative":true,"complaint_id":"2662333","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T21:54:45.000Z","state":"RI","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I demand that Equifax rectify its gross negligence through the following actions : 1 ) Permanently waive all fees for placing and removing <em>security</em> freezes on credit reports.\n2 ) Issue full refunds to all individuals who purchased <em>security</em> freezes from credit reporting firms following this <em>data</em> breach.\n3 ) Permanently waive all fees for placing or removing <em>fraud</em> alerts on credit reports.\n4 ) Issue refunds to all individuals who purchased <em>fraud</em> alerts from credit reporting firms following this <em>data</em>"]},"sort":[17.622467,"2662333"]},{"_index":"complaint-public-v1","_id":"11889645","_score":17.620287,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am writing to formally express my concerns regarding the inadequate data protection and privacy practices of Cash App, which have resulted in the exposure of my personal and financial information. This breach of privacy not only puts my sensitive data at risk but also directly violates consumer protection laws, including the **Consumer Financial Protection Act ( CFPA ) ** and **Electronic Fund Transfer Act ( EFTA ) **.\n\nDespite Cash Apps obligation to implement effective security measures, I recently discovered that my personal data was accessed or exposed without my consent. This failure to safeguard user information constitutes negligence and has left my account vulnerable to potential fraud and financial harm. \n\nFurthermore, when I attempted to resolve this matter through Cash Apps dispute resolution process, I found it to be unresponsive, inadequate, and deceptive. Your company did not comply with the proper error resolution requirements outlined in **Regulation E**, which govern electronic fund transfers and protect consumers from unauthorized transactions.\n\nThese lapses in data protection and customer support have caused me significant distress and financial risk. As a result, I am demanding the following actions : 1. A detailed explanation regarding how my data was compromised.\n\n2. Immediate security measures to prevent further unauthorized access.\n\n3. Proper redress and compensation for any inconvenience and potential damages suffered due to this security failure.\n\n4. Compliance with federal regulations*l to ensure better consumer protection moving forward. \n\nIf this issue is not addressed promptly, I will have no choice but to escalate my complaint.\n\nIn addition I am uploading a copy of the billing statement as proof that the company is engage in deceitful practices in hiding the account information yet requesting it to issue relief. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-01T17:29:27.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"37130","tags":null,"has_narrative":true,"complaint_id":"11889645","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-02-01T16:58:18.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["These lapses in <em>data</em> <em>protection</em> and <em>customer</em> support have caused me significant distress and financial risk. As a result, I am demanding the following actions : 1. A detailed explanation regarding how my <em>data</em> was compromised.\n\n2. Immediate <em>security</em> measures to prevent further unauthorized access.\n\n3. Proper redress and compensation for any inconvenience and potential damages suffered due to this <em>security</em> failure.\n\n4."]},"sort":[17.620287,"11889645"]},{"_index":"complaint-public-v1","_id":"9922366","_score":17.617525,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX $ XXXX. Experian experienced a significant data breach in 2020. It was reported that hackers had stolen the personal information of about XXXX XXXX including myself. The stolen data included names, phone numbers, physical addresses, Social Security numbers, and dates of births. I want these items deleted from my credit file. XXXX XXXX XXXX XXXX As an affected customer, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social Security number, and date of birth. The exposure of such sensitive data put me at risk of identity theft, fraud, and other malicious activities. I am requesting the following actions to mitigate the potential impact of this breach : Credit Monitoring and Identity Theft Protection : I request that experian provide complimentary credit monitoring services and identity theft protection for a minimum of XXXX years. This should include regular credit reports, alerts for suspicious activity, and access to identity restoration services if needed. Assurance of Enhanced Security Measures : I would like a detailed explanation of the steps experian is taking to enhance its security measures to prevent future data breaches. This should include information on improved data encryption, access controls, and employee training. Compensation for Any Losses : In the event that I suffer any financial losses or damages as a result of this data breach, I request that experian provide fair compensation to cover these losses. This includes reimbursement for any expenses incurred due to the breach, such as costs associated with credit monitoring and legal fees. Please acknowledge receipt of this letter and provide a response outlining the steps Experian will take to address my concerns. I trust that Experian values its customers privacy and will take the necessary actions to resolve this matter promptly and satisfactorily. Thank you for your immediate attention to this serious issue. I look forward to your prompt response.","date_sent_to_company":"2024-08-25T13:07:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9922366","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-25T12:51:56.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX As an affected <em>customer</em>, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social <em>Security</em> number, and date of birth. The exposure of such sensitive <em>data</em> put me at risk of identity theft, <em>fraud</em>, and other malicious activities."]},"sort":[17.617525,"9922366"]},{"_index":"complaint-public-v1","_id":"7432155","_score":17.602587,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Fraudulent Account Purchase and Violation of Consumer Data Protection Laws Dear, Barclays Bank I hope this letter finds you well. I am writing to bring to your attention a distressing and deeply concerning matter that has greatly affected me and my trust in Barclays Bank on XX/XX/2023, I discovered that someone had fraudulently used my personal information for a purchase without my knowledge or consent. I write this letter to request your assistance and removal/deletion of personal information including my name XXXX XXXX XXXX and removal of late payments. In resolving this matter promptly and to bring to your attention the serious breach of consumer data protection laws. \n\nThe incident came to my notice when I received an email notification about a purchase from Barclays Bank that I did not make. Upon further investigation, The fraudulent activity has caused significant distress and concern for my personal security and privacy. \n\nAs a loyal customer of Barclays Bank placed my trust in the company to safeguard my personal information. It is disheartening to learn that my trust has been betrayed through a security breach that allowed unauthorized access to my personal data. According to consumer protection laws, I have certain rights as a victim of fraud, which include, but are not limited to : Right to Security : Barclays is obligated to maintain the highest standards of data protection and security to prevent unauthorized access to customer information. \n\nRight to Notification : In the event of a data breach or suspected fraudulent activity, customers must be promptly notified to take appropriate action to protect their interests. \n\nRight to Dispute : I have the right to dispute any unauthorized transactions made using my personal information and seek resolution from the responsible parties. \n\nRight to Confidentiality Barclays is bound by laws and regulations to keep my personal information confidential and not share it with third parties without my explicit consent. \n\nI kindly request a thorough investigation into this matter and a detailed explanation of how my personal information was compromised. In addition to avoiding the constant removal and addition of this Fraudulent account I went ahead and paid for the fraudulent account in full. Furthermore, I must express my concern regarding any potential sharing of my personal information with banks or other entities without my consent. Such actions would be a direct violation of privacy laws that are designed to safeguard individuals ' sensitive data. \nI sincerely hope that Barclays bank takes the necessary steps to resolve this. I kindly request a written acknowledgment of the receipt of this letter and a timeline for resolving this dispute. You can reach me at XXXX to discuss this matter further or provide any additional information that may be required. \nThank you for your understanding and cooperation in this matter. I hope we can resolve this issue amicably and restore my faith in the integrity of Barclays Bank","date_sent_to_company":"2023-08-22T04:47:21.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"77450","tags":null,"has_narrative":true,"complaint_id":"7432155","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2023-08-22T04:41:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["It is disheartening to learn that my trust has been betrayed through a <em>security</em> breach that allowed unauthorized access to my personal <em>data</em>. According to consumer <em>protection</em> laws, I have certain rights as a victim of <em>fraud</em>, which include, but are not limited to : Right to <em>Security</em> : Barclays is obligated to maintain the highest standards of <em>data</em> <em>protection</em> and <em>security</em> to prevent unauthorized access to <em>customer</em> information."],"issue":["Credit monitoring or identity theft <em>protection</em> services"]},"sort":[17.602587,"7432155"]},{"_index":"complaint-public-v1","_id":"11670957","_score":17.431293,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience, irreversible risk to my cyber security and financial loss, I seek appropriate redress and compensation for these violations of my data security and rights.","date_sent_to_company":"2025-01-17T08:31:08.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"27103","tags":null,"has_narrative":true,"complaint_id":"11670957","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-17T08:14:04.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate <em>customer</em> service and unfair practices, which violate the Consumer Financial <em>Protection</em> Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address <em>fraud</em> on their platform, leaving my account vulnerable and unprotected."]},"sort":[17.431293,"11670957"]},{"_index":"complaint-public-v1","_id":"2664396","_score":17.201519,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax mishandled my personal information including my name, social security number, address, birthdate, etc., resulting in a data breach in XXXX XXXX. Equifax confirmed I was affected by this breach per their \" Potential Impact '' site XXXX. \n\nEquifax put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Equifax is further attempting to capitalize on its gross negligence by encouraging injured parties to register for \" trial periods '' of their ID protection services, defrauding these injured parties with hidden subscription fees that are imposed after the trial period expires, as well as with terms of service that waive customers ' rights to sue the company for criminal negligence/fraudulent behavior.","date_sent_to_company":"2017-09-11T15:40:36.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"02860","tags":null,"has_narrative":true,"complaint_id":"2664396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-11T15:36:12.000Z","state":"RI","company_public_response":null,"sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["Equifax mishandled my personal information including my name, social <em>security</em> number, address, birthdate, etc., resulting in a <em>data</em> breach in XXXX XXXX. Equifax confirmed I was affected by this breach per their \" Potential Impact '' site XXXX. \n\nEquifax put myself and millions of others at risk of identity theft/<em>fraud</em> due to negligent <em>security</em> protocols in handling consumer information."],"issue":["Credit monitoring or identity theft <em>protection</em> services"]},"sort":[17.201519,"2664396"]},{"_index":"complaint-public-v1","_id":"16439869","_score":17.153307,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a Chime customer who recently experienced a fraud impersonation call that appeared to be directly related to an active dispute on my account. The caller claimed to be from Chime and had accurate personal information including my date of birth, the last XXXX digits of my Social Security number, and my savings account balance. \n\nThis individual attempted to gain remote access to my phone and help me recover funds, which I recognized as a scam and terminated the call. I contacted Chime through the official app and was told that Chime never calls members. \n\nI am deeply concerned that my personal data was accessed internally or through a third-party linked to Chime. The timing and level of detail the scammer had suggests an internal data leak or insider access, especially since my partner had an identical experience with Chime during a dispute a year earlier. \n\nChime has only offered minimal support and has not provided an explanation of how the scammer obtained my personal data. I am requesting that the CFPB investigate XXXX data security practices, dispute-handling procedures, and member protection policies. \n\nI have changed my passwords and enabled all available security settings, but I am worried my information is compromised.","date_sent_to_company":"2025-10-08T21:29:26.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"19027","tags":null,"has_narrative":true,"complaint_id":"16439869","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-10-08T21:21:03.000Z","state":"PA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB investigate XXXX <em>data</em> <em>security</em> practices, dispute-handling procedures, and member <em>protection</em> policies. \n\nI have changed my passwords and enabled all available <em>security</em> settings, but I am worried my information is compromised."]},"sort":[17.153307,"16439869"]},{"_index":"complaint-public-v1","_id":"12257945","_score":16.545515,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. \nFacts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. \nFailure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. \nOngoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. \nLegal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. \n\n\nXXXX : XXXX failed to properly restrict access to consumer information. \nXXXX : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. \nGramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.\n\n6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. \nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.\n\n5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. \nFederal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. \nXXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-02-27T20:09:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76137","tags":null,"has_narrative":true,"complaint_id":"12257945","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-02-27T20:05:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and <em>fraud</em>. \nFailure to Maintain Reasonable <em>Security</em> Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the <em>security</em> and confidentiality of <em>customer</em> <em>data</em>."]},"sort":[16.545515,"12257945"]},{"_index":"complaint-public-v1","_id":"12256322","_score":16.545515,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. \nFacts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. \nFailure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.\n\nOngoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.\n\nLegal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\n1681b : XXXX failed to properly restrict access to consumer information. \n1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security.\n\nGramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.\n\n6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.\n\nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.\n\n5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.\n\nFederal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. \nXXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-02-27T20:05:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76137","tags":null,"has_narrative":true,"complaint_id":"12256322","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2025-02-27T20:01:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and <em>fraud</em>. \nFailure to Maintain Reasonable <em>Security</em> Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the <em>security</em> and confidentiality of <em>customer</em> <em>data</em>."]},"sort":[16.545515,"12256322"]},{"_index":"complaint-public-v1","_id":"12255380","_score":16.52082,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX XXXXata breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. \nFacts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. \nFailure to Maintain Reasonable Security Practices : XXXX violated the XXXX XXXX XXXX XXXX XXXX, 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. \nOngoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. \nLegal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. \n\n\n1681b : XXXX failed to properly restrict access to consumer information. \n1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. \nXXXX XXXX ( XXXX ), XXXX5 U.S.C. 6801 et seq. \n\n\nXXXX ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.","date_sent_to_company":"2025-02-27T22:14:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90057","tags":null,"has_narrative":true,"complaint_id":"12255380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2025-02-27T22:09:24.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and <em>fraud</em>. \nFailure to Maintain Reasonable <em>Security</em> Practices : XXXX violated the XXXX XXXX XXXX XXXX XXXX, 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the <em>security</em> and confidentiality of <em>customer</em> <em>data</em>."]},"sort":[16.52082,"12255380"]},{"_index":"complaint-public-v1","_id":"12222915","_score":16.514223,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. \nFacts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. \nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. \nFailure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 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Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. \nFacts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. \nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. \nFailure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. \nOngoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. \nLegal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. \n\n\nXXXX : XXXX failed to properly restrict access to consumer information. \nXXXX : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. \nGramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.\n\n6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.","date_sent_to_company":"2025-02-27T22:21:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30043","tags":null,"has_narrative":true,"complaint_id":"12253358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ONLINE Information Services, Inc.","date_received":"2025-02-27T22:15:12.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and <em>fraud</em>. \nFailure to Maintain Reasonable <em>Security</em> Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the <em>security</em> and confidentiality of <em>customer</em> <em>data</em>."]},"sort":[16.505394,"12253358"]},{"_index":"complaint-public-v1","_id":"12256190","_score":16.440243,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. \nFacts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. \nFailure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. \nOngoing Harm : Despite corrective measures, I have 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