{"took":128,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":569,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2667482","_score":21.937174,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax did not adequately protect my critically personal information and did not have security measures in place to prevent a privacy breach. My social security number and other identifying information that can be used to steal my identity has been released to public domain.","date_sent_to_company":"2017-09-11T16:14:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"79938","tags":null,"has_narrative":true,"complaint_id":"2667482","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-11T16:06:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax did not adequately <em>protect</em> my critically personal <em>information</em> and did not have <em>security</em> <em>measures</em> in <em>place</em> to prevent a privacy breach. My social <em>security</em> number and other identifying <em>information</em> that can be used to steal my identity has been released to public domain."]},"sort":[21.937174,"2667482"]},{"_index":"complaint-public-v1","_id":"2663880","_score":21.576828,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My information was stolen and is freely available on the public internet due to the ineffective security measures put in place by Experian to protect my data. I am concerned that I will become a victim of identity theft.","date_sent_to_company":"2017-09-11T13:31:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10990","tags":null,"has_narrative":true,"complaint_id":"2663880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-11T13:24:25.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["My <em>information</em> was stolen and is freely available on the public internet due to the ineffective <em>security</em> <em>measures</em> put in <em>place</em> by Experian to <em>protect</em> my data. I am concerned that I will become a victim of identity theft."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[21.576828,"2663880"]},{"_index":"complaint-public-v1","_id":"2671836","_score":20.620754,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax did not protect my personal information ( name, addresses, financial account information, social security number, date of birth ). I never authorized Equifax to collect or store any of my information in the first place. However, once they collected my information, they did not take appropriate measures to prevent others from accessing it.","date_sent_to_company":"2017-09-13T16:34:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"63031","tags":"Servicemember","has_narrative":true,"complaint_id":"2671836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-13T16:13:35.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax did not <em>protect</em> my personal <em>information</em> ( name, addresses, financial account <em>information</em>, social <em>security</em> number, date of birth ). I never authorized Equifax to collect or store any of my <em>information</em> in the first <em>place</em>. However, once they collected my <em>information</em>, they did not take appropriate <em>measures</em> to prevent others from accessing it."]},"sort":[20.620754,"2671836"]},{"_index":"complaint-public-v1","_id":"4671092","_score":20.057026,"_source":{"product":"Checking or savings account","complaint_what_happened":"My account was used to fund fraudulent ACH transfers. I have no connection whatsoever to these transfers. The information used was information available on checks. Specifically only the routing number and my checking account number. I never authorized nor had anything to do with these transactions. Moreover the bank did not send me my statements in hard copy as requested. When the fraud was discovered the bank acted as if it was my fault. They were very difficult to speak with and would not even providw me a contact person or an email address to use. They were completely unreasonable and most specifically they would not tell me what security measures were in place protecting my funds. The transactions at issue were more than {$88000.00}. I suspect the bank did not employ the required security measures.","date_sent_to_company":"2021-08-28T19:53:22.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94110","tags":null,"has_narrative":true,"complaint_id":"4671092","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-08-28T19:38:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["They were completely unreasonable and most specifically they would not tell me what <em>security</em> <em>measures</em> were in <em>place</em> <em>protecting</em> my funds. The transactions at issue were more than {$88000.00}. I suspect the bank did not employ the required <em>security</em> <em>measures</em>."]},"sort":[20.057026,"4671092"]},{"_index":"complaint-public-v1","_id":"11836494","_score":19.39687,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In 2017, Equifax experienced a massive data breach that exposed sensitive personal information, including Social Security numbers and financial details. Unfortunately, I was one of the individuals affected by this breach. The aftermath of Equifaxs negligence has left me in a constant state of concern over identity theft, forcing me to take additional measures to protect my financial well-being.\n\nOver the years, Ive had to invest my time and money into credit monitoring and fraud protection servicescosts I never should have incurred if Equifax had upheld its duty to safeguard my information. The uncertainty of whether my data has been misused lingers, creating undue stress and financial strain.\n\nDespite assurances that proper security measures were in place, my personal and financial security was compromised due to Equifaxs failure. I am seeking a resolution that acknowledges the burden placed on me as a result of this breach and ensures that the necessary actions are taken to rectify the harm caused.","date_sent_to_company":"2025-01-29T14:47:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19119","tags":null,"has_narrative":true,"complaint_id":"11836494","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-29T14:39:36.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Over the years, Ive had to invest my time and money into credit monitoring and fraud protection servicescosts I never should have incurred if Equifax had upheld its duty to safeguard my <em>information</em>. The uncertainty of whether my data has been misused lingers, creating undue stress and financial strain.\n\nDespite assurances that proper <em>security</em> <em>measures</em> were in <em>place</em>, my personal and financial <em>security</em> was compromised due to Equifaxs failure."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[19.39687,"11836494"]},{"_index":"complaint-public-v1","_id":"7110528","_score":18.552671,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This issue started around XXXX or XXXX XXXX XXXX I have called Self several times and disputed these charges. Instead of protecting the consumer SELF held me responsible for the charges. This has been an ongoing issues even after me replacing my card 5 times. I have called the merchant directly and being that the charges was not made from my account they could not locate the charges. I even asked if they could search the last 4 digits of my card and find the person who charged the card ( something that should have been done by SELF during the dispute process ). No one has been able to help me so I got a new card and never activated it. I got my new card in XXXX which was the last fraudulent charge. I literally activated my card on or around XX/XX/XXXX. Today is XX/XX/XXXX and my card has had another fraudulent charge. I have come to the conclusion that SELF is not protecting the consumers. Even after numerous calls and emails and me having to replace my card, SELF has not put any security in place to stop this merchant from continuously charging my card. At this point this is a security risk and until SELF put better security measures in place to protect consumers they should be held responsible for consumers having to go through being exposed to fraud. If my card information can keep getting hacked then SELF isn't protecting my personal information as well. If a financial institution can't protect the consumers then the service should not be able to operate. Per the phone call I had with the rep from SELF today even if the charges are fraud the merchant doesn't have to pay it back, which is what happened to me on the previous charges. If my account and personal information cant be protected by SELF and the will not update their security measures, I will seek further action. It is not okay for a company to expose consumers to fraud or possible identity theft. I am not the only person going through this with self and I would hate to have to be apart of a class action suit but something needs to be done ASAP! I have also attached a photo of SELF so called disputing the charge but turned right around and took the funds back, leaving me liable for another unauthorized purchases!","date_sent_to_company":"2023-06-13T23:55:57.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"75074","tags":null,"has_narrative":true,"complaint_id":"7110528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2023-06-13T23:25:35.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I have come to the conclusion that SELF is not <em>protecting</em> the consumers. Even after numerous calls and emails and me having to replace my card, SELF has not put any <em>security</em> in <em>place</em> to stop this merchant from continuously charging my card. At this point this is a <em>security</em> risk and until SELF put better <em>security</em> <em>measures</em> in <em>place</em> to <em>protect</em> consumers they should be held responsible for consumers having to go through being exposed to fraud."]},"sort":[18.552671,"7110528"]},{"_index":"complaint-public-v1","_id":"11610146","_score":18.223654,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"am writing to formally express my concerns regarding a potential breach of privacy associated with my Cash App account. Recently, I encountered issues that have led me to question the security of my personal information. The nature of these concerns has prompted me to reflect on the overall security measures in place to protect users data, and I am genuinely worried about the possibility that my privacy may have been compromised. \n\nGiven the importance of safeguarding sensitive personal data, I respectfully request that Cash App conduct a thorough investigation into this matter. I would greatly appreciate understanding the steps being taken to resolve this issue and any actions being implemented to strengthen security moving forward. As a user, it is essential for me to feel confident in the safety and confidentiality of my information. \n\nThank you for your attention to this matter. I look forward to a timely and thoughtful response.","date_sent_to_company":"2025-01-21T00:34:49.000Z","issue":"Other service problem","sub_product":"Domestic (US) money transfer","zip_code":"376XX","tags":null,"has_narrative":true,"complaint_id":"11610146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-21T00:26:24.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Recently, I encountered issues that have led me to question the <em>security</em> of my personal <em>information</em>. The nature of these concerns has prompted me to reflect on the overall <em>security</em> <em>measures</em> in <em>place</em> to <em>protect</em> users data, and I am genuinely worried about the possibility that my privacy may have been compromised. \n\nGiven the importance of safeguarding sensitive personal data, I respectfully request that Cash App conduct a thorough investigation into this matter."]},"sort":[18.223654,"11610146"]},{"_index":"complaint-public-v1","_id":"11895560","_score":18.02058,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax investigated and found that my name, address and SSN had be part of there data breach.\n\nEquifax data breach, the FTC and Equifax settled, offering affected users settlement funds and free credit monitoring. Equifax sent me a check admitting my information was compromised. \nAs a credit bureau, Equifax keeps incredibly detailed consumer data about everyone, including peoples names, dates of birth, Social Security numbers, and credit card numbers. We learned that Equifax had failed to put the appropriate security measures in place to protect this information, fix known security flaws, or monitor its network for suspicious activity. Equifax had a responsibility to protect our data and it failed. Thats why the largest breach of consumer data required nothing less than the largest ever data breach settlement in history. \nThe settlement with Equifax includes up to {$420.00} XXXX in restitution for customers whose personal information was compromised. I want to make sure that everyone who was affected can file a claim and get some form of restitution. You have until XXXX XXXX XXXX heres what you need to do.","date_sent_to_company":"2025-02-02T18:58:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89117","tags":null,"has_narrative":true,"complaint_id":"11895560","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-02T18:18:29.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Equifax sent me a check admitting my <em>information</em> was compromised. \nAs a credit bureau, Equifax keeps incredibly detailed consumer data about everyone, including peoples names, dates of birth, Social <em>Security</em> numbers, and credit card numbers. We learned that Equifax had failed to put the appropriate <em>security</em> <em>measures</em> in <em>place</em> to <em>protect</em> this <em>information</em>, fix known <em>security</em> flaws, or monitor its network for suspicious activity. Equifax had a responsibility to <em>protect</em> our data and it failed."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[18.02058,"11895560"]},{"_index":"complaint-public-v1","_id":"12001161","_score":17.82356,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Demand Letter for Security Freeze and Enhanced Security Measures Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX LexisNexis XXXX XXXX South Carolina Department Of Insurance Pennsylvania State Attorney Generals Office -Insurance Fraud Division South Carolina Treasury Department FTC NC Attorney General Insurance Fraud Division NAIC NC STATE TREASURY -Fraud department PA Attorney General Crime Omnbundsment department XXXX XXXX XXXX XXXX On Behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand for Security Freeze and Enhanced Security Measures XXXX XXXX This letter serves as a formal demand for immediate action regarding the identity theft suffered by XXXX XXXX due to the recent data breaches at XXXX and XXXX. \n\nBackground : XXXX XXXX has been a victim of identity theft following the data breaches at your respective companies. As a result, she has experienced unauthorized attempts to open insurance policies and lines of credit in her name. \n\nDemands : We demand the following immediate actions to protect XXXX XXXX 's credit and financial security : Security Freeze : We request that you immediately place a security freeze on XXXX XXXX 's credit report with your respective companies. This freeze should prevent any new credit accounts or lines of credit from being opened without her explicit authorization. \nEnhanced Security Measures : We further demand that you implement enhanced security measures on XXXX XXXX 's credit file. Specifically, we request that any attempt to open a new insurance policy, line of credit, or loan in her name be subject to an additional layer of security, requiring a unique security PIN or phrase known only to XXXX XXXX. This will ensure that any future attempts to open accounts in her name are subject to a more stringent verification process. \nLegal Basis : We are exercising our rights under the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws to demand these security measures. \n\nConsequences : Failure to comply with these demands within 14 business days will result in further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies under the FCRA and other applicable laws.\n\nVerification : We request confirmation of the implementation of these security measures within 14 business days. Please provide written verification of the freeze and enhanced security measures, including any specific instructions on how XXXX XXXX can manage her security freeze and PIN/phrase. \n\nContact : Please direct all correspondence regarding this matter to the contact information provided above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-09T01:09:34.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"295XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12001161","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-02-09T01:09:10.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Demands : We demand the following immediate actions to <em>protect</em> XXXX XXXX 's credit and financial <em>security</em> : <em>Security</em> Freeze : We request that you immediately <em>place</em> a <em>security</em> freeze on XXXX XXXX 's credit report with your respective companies. This freeze should prevent any new credit accounts or lines of credit from being opened without her explicit authorization. \nEnhanced <em>Security</em> <em>Measures</em> : We further demand that you implement enhanced <em>security</em> <em>measures</em> on XXXX XXXX 's credit file."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[17.82356,"12001161"]},{"_index":"complaint-public-v1","_id":"12001009","_score":17.786924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Demand Letter for Security Freeze and Enhanced Security Measures Date : XXXX To : XXXX Equifax TransUnion XXXX XXXX XXXXXXXX XXXX XXXX Department Of Insurance XXXX State Attorney Generals Office -Insurance Fraud Division XXXX XXXX Treasury Department FTC XXXX  Attorney General Insurance Fraud Division XXXXXXXX XXXX STATE TREASURY -Fraud department XXXX Attorney General XXXX XXXX department XXXX XXXX XXXX IRS On Behalf of : XXXX Address : XXXX XXXX Email : XXXX  Subject : Demand for Security Freeze and Enhanced Security Measures XXXX XXXX This letter serves as a formal demand for immediate action regarding the identity theft suffered by XXXX XXXX due to the recent data breaches at TransUnion and XXXX. \n\nBackground : XXXX XXXX has been a victim of identity theft following the data breaches at your respective companies. As a result, she has experienced unauthorized attempts to open insurance policies and lines of credit in her name. \n\nDemands : We demand the following immediate actions to protect XXXXXXXX XXXX XXXX credit and financial security : Security Freeze : We request that you immediately place a security freeze on XXXX XXXXXXXX XXXX  credit report with your respective companies. This freeze should prevent any new credit accounts or lines of credit from being opened without her explicit authorization. \nEnhanced Security Measures : We further demand that you implement enhanced security measures on XXXX XXXXXXXX XXXX credit file. Specifically, we request that any attempt to open a new insurance policy, line of credit, or loan in her name be subject to an additional layer of security, requiring a unique security PIN or phrase known only to XXXX XXXX. This will ensure that any future attempts to open accounts in her name are subject to a more stringent verification process. \nLegal Basis : We are exercising our rights under the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws to demand these security measures. \n\nConsequences : Failure to comply with these demands within 14 business days will result in further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies under the FCRA and other applicable laws.\n\nVerification : We request confirmation of the implementation of these security measures within 14 business days. Please provide written verification of the freeze and enhanced security measures, including any specific instructions on how XXXX XXXX can manage her security freeze and PIN/phrase. \n\nContact : Please direct all correspondence regarding this matter to the contact information provided above. \n\nSincerely, XXXXXXXX XXXX","date_sent_to_company":"2025-02-09T01:09:34.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"295XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12001009","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-09T00:38:34.000Z","state":"SC","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":["Demands : We demand the following immediate actions to <em>protect</em> XXXXXXXX XXXX XXXX credit and financial <em>security</em> : <em>Security</em> Freeze : We request that you immediately <em>place</em> a <em>security</em> freeze on XXXX XXXXXXXX XXXX  credit report with your respective companies. This freeze should prevent any new credit accounts or lines of credit from being opened without her explicit authorization."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[17.786924,"12001009"]},{"_index":"complaint-public-v1","_id":"12001661","_score":17.75114,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Demand Letter for Security Freeze and Enhanced Security Measures Date : XXXX To : XXXX Equifax TransUnion XXXX XXXX XXXXXXXX XXXX XXXX Department Of Insurance XXXX State Attorney Generals Office -Insurance Fraud Division XXXX XXXX Treasury Department FTC XXXX  Attorney General Insurance Fraud Division XXXXXXXX XXXX STATE TREASURY -Fraud department XXXX Attorney General XXXX XXXX department XXXX XXXX XXXX IRS On Behalf of : XXXX Address : XXXX XXXX Email : XXXX  Subject : Demand for Security Freeze and Enhanced Security Measures XXXX XXXX This letter serves as a formal demand for immediate action regarding the identity theft suffered by XXXX XXXX due to the recent data breaches at TransUnion and XXXX. \n\nBackground : XXXX XXXX has been a victim of identity theft following the data breaches at your respective companies. As a result, she has experienced unauthorized attempts to open insurance policies and lines of credit in her name. \n\nDemands : We demand the following immediate actions to protect XXXXXXXX XXXX XXXX credit and financial security : Security Freeze : We request that you immediately place a security freeze on XXXX XXXXXXXX XXXX  credit report with your respective companies. This freeze should prevent any new credit accounts or lines of credit from being opened without her explicit authorization. \nEnhanced Security Measures : We further demand that you implement enhanced security measures on XXXX XXXXXXXX XXXX credit file. Specifically, we request that any attempt to open a new insurance policy, line of credit, or loan in her name be subject to an additional layer of security, requiring a unique security PIN or phrase known only to XXXX XXXX. This will ensure that any future attempts to open accounts in her name are subject to a more stringent verification process. \nLegal Basis : We are exercising our rights under the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws to demand these security measures. \n\nConsequences : Failure to comply with these demands within 14 business days will result in further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies under the FCRA and other applicable laws.\n\nVerification : We request confirmation of the implementation of these security measures within 14 business days. Please provide written verification of the freeze and enhanced security measures, including any specific instructions on how XXXX XXXX can manage her security freeze and PIN/phrase. \n\nContact : Please direct all correspondence regarding this matter to the contact information provided above. \n\nSincerely, XXXXXXXX XXXX","date_sent_to_company":"2025-02-09T01:09:37.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"295XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12001661","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-09T01:09:10.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Demands : We demand the following immediate actions to <em>protect</em> XXXXXXXX XXXX XXXX credit and financial <em>security</em> : <em>Security</em> Freeze : We request that you immediately <em>place</em> a <em>security</em> freeze on XXXX XXXXXXXX XXXX  credit report with your respective companies. This freeze should prevent any new credit accounts or lines of credit from being opened without her explicit authorization."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[17.75114,"12001661"]},{"_index":"complaint-public-v1","_id":"3159897","_score":17.595524,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have had a freeze on my credit reports - all 3 Credit Reporting Agencies as of XXXX. My Identity was stolen and I filed an Identity Theft report on XXXX FTC Report # XXXX. I am granted 7 years free credit alerts as a result. \n\nAll 3 companies, Equifax, XXXX and XXXX have the freeze in place. All 3 have provided me with SPECIAL SECURITY PASSCODES if I need to access my information. Unfortunately, the only questions they ask are : My name, date of birth, social security #, and address - I've made numerous phone calls to all these agencies between XXXX and XXXX. None of them ask for the PASSCODE. I explained that that should be the 2nd question asked after my name - before anything else - to prove I am who I am ... ... they just told me they followed their security measures which are asking for the same answers that \" the person who stole my identity '' has. I was very upset that a \" XXXX XXXX '' or whoever stole my identity already has this information - and at no time did they DO NOT ask for my security passcode. They just tell me they don't ask for it. \nAs a result of their \" less than secure '' policy, on XXXX XXXX XXXX XXXX XXXX XXXX FL, even though I have a freeze - allowed someone to open a checking account in my name. Now I am getting collection notices for default from a XXXX XXXX XXXX. for {$92.00}. This shows up on Equifax as an Inquiry. I have NEVER dealt with this company and they should NOT HAVE BEEN ALLOWED to access my credit report. I also did not receive an alert of this inquiry being made. \n\nI believe the best form of security measure for anyone who has had their identity stolen that each of these companies adjust their security measures to ASK FOR THE PASSCODE immediately after a person 's name. I am quite upset that even though I have followed every possible measure to secure myself from further identity theft issues, all XXXX Credit Report agencies don't seem to protect the consumer - they just rather do their standard security measure of asking information the thieft has - which isn't working. \n\nI am asking that each of these reporting agencies specifically MADE NOTE ON MY CREDIT REPORT TO ASK FOR THE SECURITY PASSWORD THEY PROVIDED TO ME BY MAIL AND NOT ALLOW ANYONE TO RECEIVE ANY INFORMATION ON MY CREDIT, NOR BE ALLOWED TO MAKE ANY KIND OF INQUIRY. I also have opted out through the government website to not be mailed or allowed any institution to send me solicitations. \n\nThere have been other attempts also to breach and steal my identity - XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX XXXX and XXXX. \n\nPlease help solve this problem with all 3 of these agencies - they don't seem to be following the rules and protecting me from further fraud issues.","date_sent_to_company":"2019-02-22T17:46:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34711","tags":null,"has_narrative":true,"complaint_id":"3159897","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-02-22T16:53:56.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am quite upset that even though I have followed every possible <em>measure</em> to secure myself from further identity theft issues, all XXXX Credit Report agencies don't seem to <em>protect</em> the consumer - they just rather do their standard <em>security</em> <em>measure</em> of asking <em>information</em> the thieft has - which isn't working."]},"sort":[17.595524,"3159897"]},{"_index":"complaint-public-v1","_id":"14032013","_score":17.447035,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing in direct response to the recent correspondence from Experian indicating that a previously submitted dispute under my name was flagged as suspicious and possibly not initiated by me. I want to make it explicitly clear that I am the rightful consumer who initiated that dispute, and I take full ownership and responsibility for the submission. It is unfortunate that my valid attempt to correct inaccuracies on my credit report was deemed questionable, but I understand that Experian has security measures in place to protect consumers from fraudulent activity.\n\nThat said, I wish to clarify without any ambiguity that the dispute was sent by me in good faith, with the intention of correcting erroneous information on my file. I am now resubmitting my dispute formally and directly, along with all of the necessary identifying documentationsuch as my full name, Social Security Number, date of birth, and current addressto eliminate any doubt about the authenticity of this request.","date_sent_to_company":"2025-06-13T04:34:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30309","tags":null,"has_narrative":true,"complaint_id":"14032013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-13T04:28:17.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["It is unfortunate that my valid attempt to correct inaccuracies on my credit report was deemed questionable, but I understand that Experian has <em>security</em> <em>measures</em> in <em>place</em> to <em>protect</em> consumers from fraudulent activity.\n\nThat said, I wish to clarify without any ambiguity that the dispute was sent by me in good faith, with the intention of correcting erroneous <em>information</em> on my file."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[17.447035,"14032013"]},{"_index":"complaint-public-v1","_id":"2662887","_score":17.446024,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX, 2017 Equifax became aware of a breach in security that included stolen information for 100+ million people. It has taken well over a month for the company to disclose this information to the public, allowing whoever accessed the data to sell or use it and denying consumers the right to protect themselves by adding alerts or be on the lookout.\nXXXX XXXX, 2017 I became aware of a security breach wherein millions of people and I were put at risk of fraudulent activity. I have gone forth and put a fraud alert on my accounts and looked over my credit report for suspicious behavior. I have verified with the Equifax site, and my information in fact has been breached by this incident and I am still not sure what the resolution for this mismanagement will be. I would like Equifax to find a speedy resolution in order to put the millions they put at risk at ease and put more measures in place to aid those like me who are affected.","date_sent_to_company":"2017-09-08T20:47:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91304","tags":null,"has_narrative":true,"complaint_id":"2662887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T20:19:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX XXXX, 2017 Equifax became aware of a breach in <em>security</em> that included stolen <em>information</em> for 100+ million people. It has taken well over a month for the company to disclose this <em>information</em> to the public, allowing whoever accessed the data to sell or use it and denying consumers the right to <em>protect</em> themselves by adding alerts or be on the lookout.\nXXXX XXXX, 2017 I became aware of a <em>security</em> breach wherein millions of people and I were put at risk of fraudulent activity."]},"sort":[17.446024,"2662887"]},{"_index":"complaint-public-v1","_id":"14031275","_score":17.426956,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing in direct response to the recent correspondence from Experian indicating that a previously submitted dispute under my name was flagged as suspicious and possibly not initiated by me. I want to make it explicitly clear that I am the rightful consumer who initiated that dispute, and I take full ownership and responsibility for the submission. It is unfortunate that my valid attempt to correct inaccuracies on my credit report was deemed questionable, but I understand that Experian has security measures in place to protect consumers from fraudulent activity. \n\nThat said, I wish to clarify without any ambiguity that the dispute was sent by me in good faith, with the intention of correcting erroneous information on my file. I am now resubmitting my dispute formally and directly, along with all of the necessary identifying documentationsuch as my full name, Social Security Number, date of birth, and current addressto eliminate any doubt about the authenticity of this request.","date_sent_to_company":"2025-06-13T05:10:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94621","tags":null,"has_narrative":true,"complaint_id":"14031275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-13T05:05:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["It is unfortunate that my valid attempt to correct inaccuracies on my credit report was deemed questionable, but I understand that Experian has <em>security</em> <em>measures</em> in <em>place</em> to <em>protect</em> consumers from fraudulent activity. \n\nThat said, I wish to clarify without any ambiguity that the dispute was sent by me in good faith, with the intention of correcting erroneous <em>information</em> on my file."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[17.426956,"14031275"]},{"_index":"complaint-public-v1","_id":"11404228","_score":17.317362,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to inform you that my personal information has been compromised as a result of various data breaches, including the XXXX data breach, incidents involving the black web, and other data breaches. These breaches have put my sensitive data at risk and have the potential to result in identity theft and fraud. \n\nAccording to various laws and regulations, such as the Fair Credit Reporting Act ( FCRA ), organizations like Trans Union are required to take necessary steps to protect consumer information and ensure its security. The unauthorized access to my data through these breaches raises serious concerns about the security measures in place and the potential impact on my financial well-being. \n\nGiven the severity of these breaches, I request that Trans Union thoroughly investigate this matter, provide me with information on any suspicious activities related to my credit report, and take appropriate actions to safeguard my information moving forward. As a consumer, I rely on Trans Union to uphold its obligations under the law and protect my data from further unauthorized access. \n\nI appreciate your prompt attention to this matter and look forward to your response outlining the steps taken to address the compromised information. \n\nSincerely, XXXX XXXX XXXX XXXX. \nXXXX XXXX","date_sent_to_company":"2025-01-06T17:00:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43613","tags":null,"has_narrative":true,"complaint_id":"11404228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-06T17:00:29.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["According to various laws and regulations, such as the Fair Credit Reporting Act ( FCRA ), organizations like Trans Union are required to take necessary steps to <em>protect</em> consumer <em>information</em> and ensure its <em>security</em>. The unauthorized access to my data through these breaches raises serious concerns about the <em>security</em> <em>measures</em> in <em>place</em> and the potential impact on my financial well-being."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[17.317362,"11404228"]},{"_index":"complaint-public-v1","_id":"11404268","_score":17.297623,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to inform you that my personal information has been compromised as a result of various data breaches, including the XXXX data breach, incidents involving the XXXX web, and other data breaches. These breaches have put my sensitive data at risk and have the potential to result in identity theft and fraud. \n\nAccording to various laws and regulations, such as the Fair Credit Reporting Act ( FCRA ), organizations like Trans Union are required to take necessary steps to protect consumer information and ensure its security. The unauthorized access to my data through these breaches raises serious concerns about the security measures in place and the potential impact on my financial well-being. \n\nGiven the severity of these breaches, I request that Trans Union thoroughly investigate this matter, provide me with information on any suspicious activities related to my credit report, and take appropriate actions to safeguard my information moving forward. As a consumer, I rely on Trans Union to uphold its obligations under the law and protect my data from further unauthorized access. \n\nI appreciate your prompt attention to this matter and look forward to your response outlining the steps taken to address the compromised information. \n\nSincerely, XXXX XXXX XXXX XXXX. \nXXXX XXXX","date_sent_to_company":"2025-01-06T17:00:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43613","tags":null,"has_narrative":true,"complaint_id":"11404268","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-06T16:45:25.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["According to various laws and regulations, such as the Fair Credit Reporting Act ( FCRA ), organizations like Trans Union are required to take necessary steps to <em>protect</em> consumer <em>information</em> and ensure its <em>security</em>. The unauthorized access to my data through these breaches raises serious concerns about the <em>security</em> <em>measures</em> in <em>place</em> and the potential impact on my financial well-being."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[17.297623,"11404268"]},{"_index":"complaint-public-v1","_id":"11404232","_score":17.255053,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to inform you that my personal information has been compromised as a result of various data breaches, including the XXXX data breach, incidents involving the black web, and other data breaches. These breaches have put my sensitive data at risk and have the potential to result in identity theft and fraud. \n\nAccording to various laws and regulations, such as the Fair Credit Reporting Act ( FCRA ), organizations like Trans Union are required to take necessary steps to protect consumer information and ensure its security. The unauthorized access to my data through these breaches raises serious concerns about the security measures in place and the potential impact on my financial well-being. \n\nGiven the severity of these breaches, I request that Trans Union thoroughly investigate this matter, provide me with information on any suspicious activities related to my credit report, and take appropriate actions to safeguard my information moving forward. As a consumer, I rely on Trans Union to uphold its obligations under the law and protect my data from further unauthorized access. \n\nI appreciate your prompt attention to this matter and look forward to your response outlining the steps taken to address the compromised information. \n\nSincerely, XXXX XXXX XXXX XXXX. \nXXXX XXXX","date_sent_to_company":"2025-01-06T17:00:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43613","tags":null,"has_narrative":true,"complaint_id":"11404232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-06T17:00:29.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["According to various laws and regulations, such as the Fair Credit Reporting Act ( FCRA ), organizations like Trans Union are required to take necessary steps to <em>protect</em> consumer <em>information</em> and ensure its <em>security</em>. The unauthorized access to my data through these breaches raises serious concerns about the <em>security</em> <em>measures</em> in <em>place</em> and the potential impact on my financial well-being."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[17.255053,"11404232"]},{"_index":"complaint-public-v1","_id":"12226164","_score":17.223719,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint regarding an inaccurate and unauthorized loan reported under my name by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education . This error has significantly impacted my financial standing, and I am requesting immediate investigation and corrective action. \nConcerns Regarding Data Privacy : I also have reason to believe that my personal and financial information may have been improperly accessed or shared. Given recent reports involving XXXX XXXX alleged involvement with the Department of Education, I am concerned about unauthorized data access. I request an investigation into whether my personal data has been shared with third parties and what security measures are in place to protect it.","date_sent_to_company":"2025-02-26T20:38:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"37013","tags":null,"has_narrative":true,"complaint_id":"12226164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-26T19:47:58.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Concerns Regarding Data Privacy : I also have reason to believe that my personal and financial <em>information</em> may have been improperly accessed or shared. Given recent reports involving XXXX XXXX alleged involvement with the Department of Education, I am concerned about unauthorized data access. I request an investigation into whether my personal data has been shared with third parties and what <em>security</em> <em>measures</em> are in <em>place</em> to <em>protect</em> it."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[17.223719,"12226164"]},{"_index":"complaint-public-v1","_id":"12221649","_score":17.132862,"_source":{"product":"Debt collection","complaint_what_happened":"I called to request information on where I gave orthopedic to release my personal information, and I asked to show me where I approved of my personal information getting sent to a third party and they refused my request and are not in compliance with law 15 USC 6802, so I am writing to formally notify you of concerns regarding the potential non-compliance of [ XXXX XXXX XXXX ] with 15 USC 6802, part of the Gramm-Leach-Bliley Act ( GLBA ). As per the provisions of the GLBA, businesses are required to ensure the confidentiality and security of nonpublic personal information ( NPI ) and adhere to specific privacy practices and disclosures. \n\nThe act mandates that financial institutions implement privacy notices, disclose their information-sharing practices, and provide consumers with the opportunity to opt out of certain information-sharing practices. \n\nIt appears that your company XXXX not be fully adhering to the following requirements as stipulated in 15 USC 6802 : Providing clear and conspicuous privacy notices to consumers. \nXXXX XXXX options where applicable to consumers regarding the sharing of nonpublic personal information. \nEnsuring security measures are in place to protect consumer information. \nI urge you to take immediate steps to ensure full compliance with 15 USC 6802 to protect consumer rights and avoid potential legal and regulatory penalties.","date_sent_to_company":"2025-02-27T01:00:53.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"76016","tags":null,"has_narrative":true,"complaint_id":"12221649","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Franklin Collection Service, Inc.","date_received":"2025-02-27T00:52:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["XXXX XXXX options where applicable to consumers regarding the sharing of nonpublic personal <em>information</em>. \nEnsuring <em>security</em> <em>measures</em> are in <em>place</em> to <em>protect</em> consumer <em>information</em>. \nI urge you to take immediate steps to ensure full compliance with 15 USC 6802 to <em>protect</em> consumer rights and avoid potential legal and regulatory penalties."]},"sort":[17.132862,"12221649"]},{"_index":"complaint-public-v1","_id":"3159926","_score":17.12698,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have had a freeze on my credit reports - all 3 Credit Reporting Agencies as of XXXX. My Identity was stolen and I filed an Identity Theft report on XXXX FTC Report # XXXX. I am granted 7 years free credit alerts as a result. \n\nAll 3 companies, XXXX, Experian and XXXX  have the freeze in place. All 3 have provided me with SPECIAL SECURITY PASSCODES if I need to access my information. Unfortunately, the only questions they ask are : My name, date of birth, social security #, and address - I've made numerous phone calls to all these agencies between XXXX and XXXX. None of them ask for the PASSCODE.  I explained that that should be the 2nd question asked after my name - before anything else - to prove I am who I am ... ... they just told me they followed their security measures which are asking for the same answers that \" the person who stole my identity '' has. I was very upset that a \" XXXX XXXX '' or whoever stole my identity already has this information - and at no time did they DO NOT ask for my security passcode. They just tell me they don't ask for it. \nAs a result of their \" less than secure '' policy, on XXXX XXXX XXXX XXXX XXXX XXXX FL, even though I have a freeze - allowed someone to open a checking account in my name. Now I am getting collection notices for default from a XXXX XXXX XXXX. for {$92.00}. This shows up on XXXX  as an Inquiry. I have NEVER dealt with this company and they should NOT HAVE BEEN ALLOWED to access my credit report. I also did not receive an alert of this inquiry being made. \n\nI believe the best form of security measure for anyone who has had their identity stolen that each of these companies adjust their security measures to ASK FOR THE PASSCODE immediately after a person 's name. I am quite upset that even though I have followed every possible measure to secure myself from further identity theft issues, all 3 Credit Report agencies don't seem to protect the consumer - they just rather do their standard security measure of asking information the thieft has - which isn't working. \n\nI am asking that each of these reporting agencies specifically MADE NOTE ON MY CREDIT REPORT TO ASK FOR THE SECURITY PASSWORD THEY PROVIDED TO ME BY MAIL AND NOT ALLOW ANYONE TO RECEIVE ANY INFORMATION ON MY CREDIT, NOR BE ALLOWED TO MAKE ANY KIND OF INQUIRY. I also have opted out through the government website to not be mailed or allowed any institution to send me solicitations. \n\nThere have been other attempts also to breach and steal my identity - XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. \n\nPlease help solve this problem with all 3 of these agencies - they don't seem to be following the rules and protecting me from further fraud issues.","date_sent_to_company":"2019-02-22T17:46:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34711","tags":null,"has_narrative":true,"complaint_id":"3159926","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-02-22T17:46:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am quite upset that even though I have followed every possible <em>measure</em> to secure myself from further identity theft issues, all 3 Credit Report agencies don't seem to <em>protect</em> the consumer - they just rather do their standard <em>security</em> <em>measure</em> of asking <em>information</em> the thieft has - which isn't working."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[17.12698,"3159926"]},{"_index":"complaint-public-v1","_id":"3159925","_score":17.077858,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have had a freeze on my credit reports - all 3 Credit Reporting Agencies as of XXXX. My Identity was stolen and I filed an Identity Theft report on XXXX FTC Report # XXXX. I am granted 7 years free credit alerts as a result. \n\nAll 3 companies, XXXX, XXXX  and TransUnion have the freeze in place. All 3 have provided me with SPECIAL SECURITY PASSCODES if I need to access my information. Unfortunately, the only questions they ask are : My name, date of birth, social security #, and address - I've made numerous phone calls to all these agencies between XXXX and XXXX. None of them ask for the PASSCODE. I explained that that should be the 2nd question asked after my name - before anything else - to prove I am who I am ... ... they just told me they followed their security measures which are asking for the same answers that \" the person who stole my identity '' has. I was very upset that a \" XXXX XXXX '' or whoever stole my identity already has this information - and at no time did they DO NOT ask for my security passcode. They just tell me they don't ask for it. \nAs a result of their \" less than secure '' policy, on XXXX XXXX XXXX XXXX XXXX XXXX FL, even though I have a freeze - allowed someone to open a checking account in my name. Now I am getting collection notices for default from a XXXX XXXX XXXX. for {$92.00}. This shows up on XXXX  as an Inquiry. I have NEVER dealt with this company and they should NOT HAVE BEEN ALLOWED to access my credit report. I also did not receive an alert of this inquiry being made. \n\nI believe the best form of security measure for anyone who has had their identity stolen that each of these companies adjust their security measures to ASK FOR THE PASSCODE immediately after a person 's name. I am quite upset that even though I have followed every possible measure to secure myself from further identity theft issues, all 3 Credit Report agencies don't seem to protect the consumer - they just rather do their standard security measure of asking information the thieft has - which isn't working. \n\nI am asking that each of these reporting agencies specifically MADE NOTE ON MY CREDIT REPORT TO ASK FOR THE SECURITY PASSWORD THEY PROVIDED TO ME BY MAIL AND NOT ALLOW ANYONE TO RECEIVE ANY INFORMATION ON MY CREDIT, NOR BE ALLOWED TO MAKE ANY KIND OF INQUIRY. I also have opted out through the government website to not be mailed or allowed any institution to send me solicitations. \n\nThere have been other attempts also to breach and steal my identity - XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX. \n\nPlease help solve this problem with all 3 of these agencies - they don't seem to be following the rules and protecting me from further fraud issues.","date_sent_to_company":"2019-02-22T17:46:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34711","tags":null,"has_narrative":true,"complaint_id":"3159925","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-02-22T17:46:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am quite upset that even though I have followed every possible <em>measure</em> to secure myself from further identity theft issues, all 3 Credit Report agencies don't seem to <em>protect</em> the consumer - they just rather do their standard <em>security</em> <em>measure</em> of asking <em>information</em> the thieft has - which isn't working."]},"sort":[17.077858,"3159925"]},{"_index":"complaint-public-v1","_id":"12259642","_score":16.792917,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, I am writing to submit a formal complaint regarding unauthorized transactions on my account at Citizens Bank. Few years ago, I noticed fraudulent activity that resulted in unauthorized charges. I immediately reported the incident to Citizens Bank, filed a police report, and submitted all pertinent documentation to verify that the transactions were not made by me. \n\nDespite my prompt actionsincluding placing a credit freeze to protect my informationCitizens Bank has failed to address the issue adequately or restore the funds lost due to this fraudulent activity. This negligence has imposed an undue financial burden and compromised my financial security. \n\nI kindly request that the CFPB investigate this matter to ensure that Citizens Bank re-examines my case, reverses the fraudulent transactions, and strengthens its fraud prevention measures.","date_sent_to_company":"2025-02-28T12:49:07.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"06457","tags":null,"has_narrative":true,"complaint_id":"12259642","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2025-02-28T12:44:54.000Z","state":"CT","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["Despite my prompt actionsincluding <em>placing</em> a credit freeze to <em>protect</em> my <em>information</em>Citizens Bank has failed to address the issue adequately or restore the funds lost due to this fraudulent activity. This negligence has imposed an undue financial burden and compromised my financial <em>security</em>. \n\nI kindly request that the CFPB investigate this matter to ensure that Citizens Bank re-examines my case, reverses the fraudulent transactions, and strengthens its fraud prevention <em>measures</em>."]},"sort":[16.792917,"12259642"]},{"_index":"complaint-public-v1","_id":"13693743","_score":16.742958,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Someone was able to get access to my Venmo account without going through the security measures put in place to protect my account. There was no verification sent to my phone. Someone sent themselves XXXX. I caught it, deleted my banking info then spent over an hour trying to contact someone to lock my account. Venmo found in my favor and resolved, and locked my account. Now I can not delete my account. When I called they said I have to resolve via email that department does not have telephones. The department demands I upload my personal identification. I dont want the account unlocked I want it deleted. If they can not protect my banking information I do not trust that they can protect my identity. For all I know they are wanting my Identity uploaded so they can attempt to do something with it. They refuse to resolve this or delete my account in a secure manner. Via email is not secure. Their website is not secured. I just want them to permanently delete my account.","date_sent_to_company":"2025-05-23T18:44:46.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"027XX","tags":null,"has_narrative":true,"complaint_id":"13693743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-05-23T18:34:49.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Someone was able to get access to my Venmo account without going through the <em>security</em> <em>measures</em> put in <em>place</em> to <em>protect</em> my account. There was no verification sent to my phone. Someone sent themselves XXXX. I caught it, deleted my banking info then spent over an hour trying to contact someone to lock my account. Venmo found in my favor and resolved, and locked my account. Now I can not delete my account. 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