{"took":90,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1217,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11698970","_score":21.146517,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Evidence of the XXXX XXXX XXXX XXXX XXXX includes : a large-scale leak of approximately XXXX XXXX personal records, including full names, Social Security numbers , addresses, and phone numbers, which were first reported to be sold by a cybercriminal known as \" XXXX '' on the dark web in XX/XX/XXXX ; this data was later leaked publicly on hacking forums in XX/XX/XXXX ; the breach was confirmed by XXXX XXXX XXXX XXXX XXXX ) themselves, tracing the origin to a security incident in XX/XX/XXXX ; and reports from cybersecurity researchers identifying the leaked data on various underground marketplaces and forums. \nKey points about the breach : Data leaked : Full names, Social Security numbers, current and past addresses, phone numbers, and potentially dates of birth. \nEstimated affected individuals : Nearly XXXX XXXX people. \nHacker group involved : \" XXXX '' When data first appeared on dark web : XX/XX/XXXX When breach was confirmed by XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-23T16:02:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30180","tags":null,"has_narrative":true,"complaint_id":"11698970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-23T15:46:07.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Evidence of the XXXX XXXX XXXX XXXX XXXX includes : a large-scale leak of approximately XXXX XXXX personal records, including full names, Social <em>Security</em> <em>numbers</em> , <em>addresses</em>, and <em>phone</em> <em>numbers</em>, <em>which</em> <em>were</em> first reported to be sold by a cybercriminal known as \" XXXX '' on the dark web in XX/XX/XXXX ; this data was later leaked publicly on hacking forums in XX/XX/XXXX ; the breach was confirmed by XXXX XXXX XXXX XXXX XXXX ) themselves, tracing the origin to a <em>security</em> incident in XX/XX/XXXX ; and reports"]},"sort":[21.146517,"11698970"]},{"_index":"complaint-public-v1","_id":"2668515","_score":20.976461,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX. XXXX, 2017, EQUIFAX reported a breach of their cyber security during which time they believe my data, including personal records like social security number, credit reports, addresses, phone numbers, and more, were accessed. When I used the tool they provided to check on whether my account was compromised, the tool indicated that it was but did not offer a remedy.","date_sent_to_company":"2017-09-08T22:39:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90034","tags":null,"has_narrative":true,"complaint_id":"2668515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T22:00:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX, 2017, EQUIFAX reported a breach of their cyber <em>security</em> during <em>which</em> time they believe my data, including personal records like social <em>security</em> number, credit reports, <em>addresses</em>, <em>phone</em> <em>numbers</em>, and more, <em>were</em> accessed. When I used the tool they provided to check on whether my account was compromised, the tool indicated that it was but did not offer a remedy."]},"sort":[20.976461,"2668515"]},{"_index":"complaint-public-v1","_id":"12010881","_score":20.919285,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently discovered that my personal information, including my Social Security Number ( SSN ) and other sensitive details, were exposed due to a data breach at XXXX XXXX XXXX. This breach occurred when According to XXXX XXXX XXXX, a malicious actor gained access to their systems in XX/XX/XXXX and leaked sensitive data onto the dark web from XX/XX/XXXX to the summer of XXXX. This data contained the following details : Full names Social Security Numbers Mailing addresses Email addresses Phone numbers Risks of the exposed data The compromised data in this breach can be exploited for different cybercrimes and fraudulent actions. The following list shows possible risks associated with each category of exposed information : Full Names : Misuse of your identity for fraudulent activities, such as opening new accounts or making unauthorized purchases. \n\nSocial Security Numbers : High risk of identity theft, which can lead to fraudulently opened credit accounts, loans, and other financial activities. It's important to monitor your credit reports. You might want to consider placing a fraud alert or credit freeze on your social security number. \n\nAddresses : Access to your physical address increases the risk of identity theft and physical threats. These threats can include fraudulent change-of-address requests and potential home burglaries. \n\nPhone Numbers : There is a high likelihood of increased phishing attacks through text messages and phone calls, potentially resulting in unauthorized access to personal and financial information. This also increases the risk of unsolicited ( spam ) calls. \n\nEmail addresses : Increased risk of targeted phishing, account takeovers, unauthorized access, and a higher chance of spam emails. As a result, my XXXX and other personal identifiers were compromised and may have been accessed by unauthorized entities. Also There is a lawsuit due to XXXX XXXX given access to my information. This raises serious concerns about the security of my personal data and the potential for its misuse.","date_sent_to_company":"2025-02-10T23:21:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"73135","tags":null,"has_narrative":true,"complaint_id":"12010881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-10T23:21:03.000Z","state":"OK","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Social <em>Security</em> <em>Numbers</em> : High risk of identity theft, <em>which</em> can lead to fraudulently opened credit accounts, loans, and other financial activities. It's important to monitor your credit reports. You might want to consider placing a fraud alert or credit freeze on your social <em>security</em> number. \n\n<em>Addresses</em> : Access to your physical <em>address</em> increases the risk of identity theft and physical threats. These threats can include fraudulent change-of-<em>address</em> requests and potential home burglaries."]},"sort":[20.919285,"12010881"]},{"_index":"complaint-public-v1","_id":"12015887","_score":20.910952,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently discovered that my personal information, including my Social Security Number ( SSN ) and other sensitive details, were exposed due to a data breach at XXXX XXXX XXXX. This breach occurred when According to XXXX XXXX XXXX, a malicious actor gained access to their systems in XX/XX/XXXX and leaked sensitive data onto the dark web from XX/XX/XXXX to the summer of XXXX. This data contained the following details : Full names Social Security Numbers Mailing addresses Email addresses Phone numbers Risks of the exposed data The compromised data in this breach can be exploited for different cybercrimes and fraudulent actions. The following list shows possible risks associated with each category of exposed information : Full Names : Misuse of your identity for fraudulent activities, such as opening new accounts or making unauthorized purchases. \n\nSocial Security Numbers : High risk of identity theft, which can lead to fraudulently opened credit accounts, loans, and other financial activities. It's important to monitor your credit reports. You might want to consider placing a fraud alert or credit freeze on your social security number. \n\nAddresses : Access to your physical address increases the risk of identity theft and physical threats. These threats can include fraudulent change-of-address requests and potential home burglaries. \n\nPhone Numbers : There is a high likelihood of increased phishing attacks through text messages and phone calls, potentially resulting in unauthorized access to personal and financial information. This also increases the risk of unsolicited ( spam ) calls. \n\nEmail addresses : Increased risk of targeted phishing, account takeovers, unauthorized access, and a higher chance of spam emails. As a result, my XXXX and other personal identifiers were compromised and may have been accessed by unauthorized entities. Also There is a lawsuit due to XXXX XXXX given access to my information. This raises serious concerns about the security of my personal data and the potential for its misuse.","date_sent_to_company":"2025-02-10T23:21:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"73135","tags":null,"has_narrative":true,"complaint_id":"12015887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-10T23:00:57.000Z","state":"OK","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":["Social <em>Security</em> <em>Numbers</em> : High risk of identity theft, <em>which</em> can lead to fraudulently opened credit accounts, loans, and other financial activities. It's important to monitor your credit reports. You might want to consider placing a fraud alert or credit freeze on your social <em>security</em> number. \n\n<em>Addresses</em> : Access to your physical <em>address</em> increases the risk of identity theft and physical threats. These threats can include fraudulent change-of-<em>address</em> requests and potential home burglaries."]},"sort":[20.910952,"12015887"]},{"_index":"complaint-public-v1","_id":"12015699","_score":20.910952,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently discovered that my personal information, including my Social Security Number ( SSN ) and other sensitive details, were exposed due to a data breach at XXXX XXXX XXXX. This breach occurred when According to XXXX XXXX XXXX, a malicious actor gained access to their systems in XX/XX/XXXX and leaked sensitive data onto the dark web from XX/XX/XXXX to the summer of XXXX. This data contained the following details : Full names Social Security Numbers Mailing addresses Email addresses Phone numbers Risks of the exposed data The compromised data in this breach can be exploited for different cybercrimes and fraudulent actions. The following list shows possible risks associated with each category of exposed information : Full Names : Misuse of your identity for fraudulent activities, such as opening new accounts or making unauthorized purchases. \n\nSocial Security Numbers : High risk of identity theft, which can lead to fraudulently opened credit accounts, loans, and other financial activities. It's important to monitor your credit reports. You might want to consider placing a fraud alert or credit freeze on your social security number. \n\nAddresses : Access to your physical address increases the risk of identity theft and physical threats. These threats can include fraudulent change-of-address requests and potential home burglaries. \n\nPhone Numbers : There is a high likelihood of increased phishing attacks through text messages and phone calls, potentially resulting in unauthorized access to personal and financial information. This also increases the risk of unsolicited ( spam ) calls. \n\nEmail addresses : Increased risk of targeted phishing, account takeovers, unauthorized access, and a higher chance of spam emails. As a result, my XXXX and other personal identifiers were compromised and may have been accessed by unauthorized entities. Also There is a lawsuit due to XXXX XXXX given access to my information. This raises serious concerns about the security of my personal data and the potential for its misuse.","date_sent_to_company":"2025-02-10T23:21:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"73135","tags":null,"has_narrative":true,"complaint_id":"12015699","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-10T23:21:03.000Z","state":"OK","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":["Social <em>Security</em> <em>Numbers</em> : High risk of identity theft, <em>which</em> can lead to fraudulently opened credit accounts, loans, and other financial activities. It's important to monitor your credit reports. You might want to consider placing a fraud alert or credit freeze on your social <em>security</em> number. \n\n<em>Addresses</em> : Access to your physical <em>address</em> increases the risk of identity theft and physical threats. These threats can include fraudulent change-of-<em>address</em> requests and potential home burglaries."]},"sort":[20.910952,"12015699"]},{"_index":"complaint-public-v1","_id":"2709454","_score":20.799925,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"A credit monitoring service reported to me accounts and inquiries that were n't mine in XXXX. I tried to access my free credit report from TransUnion on line but TransUnion did not accept the information I provided. I was able to order a report by phone using my social security number, but the report I received was in the name of a woman with the same first name as me and a social security number that matched 8 of the 9 social security digits. The address, phone numbers and birth date matched mine but the credit accounts included both hers and mine. I finally got the fraud department to check into separating the two files after my letter requesting it was ignored with the complaint they could n't read my driver 's license, which I believe is purposefully designed to not be copied and scanned. I requested a credit freeze but was told I could n't because of the commingled file. TransUnion put a security freeze on my file with my cell phone number for verification, but the freeze ended up on the other woman 's account with my phone number. I am still getting confirmations from XXXX in the other woman 's name at my address. I have received someone else 's credit report and social security number in the mail. Her credit report also listed her address and phone number in the file. This is third time this woman 's information has ended up in my file and it is worse this time because I am retired and cutting back on my debt while she is increasing hers. TransUnion uses social security numbers as identifiers but seems more interested in like numbers than exact numbers. TransUnion will not give me a free freeze and I do not know how to protect myself from losing my credit identity again.","date_sent_to_company":"2017-10-23T21:20:56.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"22153","tags":"Servicemember","has_narrative":true,"complaint_id":"2709454","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-10-23T20:34:38.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["TransUnion put a <em>security</em> freeze on my file with my cell <em>phone</em> number for verification, but the freeze ended up on the other woman 's account with my <em>phone</em> number. I am still getting confirmations from XXXX in the other woman 's name at my <em>address</em>. I have received someone else 's credit report and social <em>security</em> number in the mail. Her credit report also listed her <em>address</em> and <em>phone</em> number in the file."]},"sort":[20.799925,"2709454"]},{"_index":"complaint-public-v1","_id":"11704407","_score":20.70322,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Evidence of the XXXXXXXX XXXX XXXX XXXX breach includes : a large-scale leak of approximately XXXX XXXX personal records, including full names, Social Security XXXX XXXX addresses, and phone numbers, which were first reported to be sold by a cybercriminal known as \" XXXX '' on the dark web in XX/XX/XXXX ; this data was later leaked publicly on hacking forums in XX/XX/XXXX ; the breach was confirmed by XXXX XXXX XXXX XXXX XXXXXXXX ) themselves, tracing the origin to a security incident in XX/XX/XXXX ; and reports from cybersecurity researchers identifying the leaked data on various underground marketplaces and forums. \nKey points about the breach : Data leaked : Full names, Social Security numbers, current and past addresses, phone numbers, and potentially dates of birth. \nEstimated affected individuals : Nearly XXXX XXXX people. \nXXXX group involved : \" XXXX  '' When data first appeared on dark web : XX/XX/XXXX When breach was confirmed by XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-23T16:02:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30180","tags":null,"has_narrative":true,"complaint_id":"11704407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-23T16:02:14.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Evidence of the XXXXXXXX XXXX XXXX XXXX breach includes : a large-scale leak of approximately XXXX XXXX personal records, including full names, Social <em>Security</em> XXXX XXXX <em>addresses</em>, and <em>phone</em> <em>numbers</em>, <em>which</em> <em>were</em> first reported to be sold by a cybercriminal known as \" XXXX '' on the dark web in XX/XX/XXXX ; this data was later leaked publicly on hacking forums in XX/XX/XXXX ; the breach was confirmed by XXXX XXXX XXXX XXXX XXXXXXXX ) themselves, tracing the origin to a <em>security</em> incident in XX/XX/XXXX"]},"sort":[20.70322,"11704407"]},{"_index":"complaint-public-v1","_id":"11690147","_score":20.414629,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Evidence of the XXXXXXXX XXXX XXXX XXXX XXXX includes : a large-scale leak of approximately XXXX XXXX personal records, including full names, Social Security XXXX XXXX addresses, and phone numbers, which were first reported to be sold by a cybercriminal known as \" XXXX '' on the dark web in XX/XX/XXXX ; this data was later leaked publicly on hacking forums in XX/XX/XXXX ; the breach was confirmed by XXXX XXXX XXXX XXXX XXXXXXXX ) themselves, tracing the origin to a security incident in XX/XX/XXXX ; and reports from cybersecurity researchers identifying the leaked data on various underground marketplaces and forums. \nKey points about the breach : XXXX leaked : Full names, Social Security numbers, current and past addresses, phone numbers, and potentially dates of birth. \nEstimated affected individuals : Nearly XXXX XXXX people. \nXXXX group involved : \" XXXX  '' When data first appeared on dark web : XX/XX/XXXX When breach was confirmed bXXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-23T16:02:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30180","tags":null,"has_narrative":true,"complaint_id":"11690147","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-23T16:02:14.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Evidence of the XXXXXXXX XXXX XXXX XXXX XXXX includes : a large-scale leak of approximately XXXX XXXX personal records, including full names, Social <em>Security</em> XXXX XXXX <em>addresses</em>, and <em>phone</em> <em>numbers</em>, <em>which</em> <em>were</em> first reported to be sold by a cybercriminal known as \" XXXX '' on the dark web in XX/XX/XXXX ; this data was later leaked publicly on hacking forums in XX/XX/XXXX ; the breach was confirmed by XXXX XXXX XXXX XXXX XXXXXXXX ) themselves, tracing the origin to a <em>security</em> incident in XX/XX/XXXX"]},"sort":[20.414629,"11690147"]},{"_index":"complaint-public-v1","_id":"7116801","_score":20.340261,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2023 I submitted a dispute via certified mail through usps in which I asked Experian to remove addresses, phone numbers, social security numbers, as well as names and employers that doesnt belong to me. I included a bank statement, drivers license, and check stub from my current employer to validate information. I also provided the correct spelling of my name, my correct address and my phone number. I asked for all other information to be deleted. I also asked for them to remove bankruptcies on my account or send proof of validation in which they never sent. I also asked them to remove a closed account from upgrade that I showed was opened through fraud. I submitted a copy of a fraud report to them and they have yet to remove the account. Experian has yet to update credit card balances in which were paid off and is still reporting old balances. I am so tired of Experian dragging their feet on removing items off of my credit report and updating my report in a timely fashion. Experian continues to hurt my reputation and credit by reporting old credit card balances and bankruptcies as well as by giving thieves access to my credit file by keeping addresses on file from which I do not reside, social security numbers that do not belong to me, employers in which i do not work for, phone numbers that I do not have, and names that are not mind on file. All of those things listed has allowed fraudsters access to my credit file in the past. An example of this very situation is an address listed on my current credit file has been used to obtain credit fraudulently. I have disputed this address numerous times and Experian continues to keep this address associated with my credit file.","date_sent_to_company":"2023-06-14T22:23:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60409","tags":null,"has_narrative":true,"complaint_id":"7116801","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-14T21:57:21.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/2023 I submitted a dispute via certified mail through usps in <em>which</em> I asked Experian to remove <em>addresses</em>, <em>phone</em> <em>numbers</em>, social <em>security</em> <em>numbers</em>, as well as names and employers that doesnt belong to me. I included a bank statement, drivers license, and check stub from my current employer to validate information. I also provided the correct spelling of my name, my correct <em>address</em> and my <em>phone</em> number. I asked for all other information to be deleted."]},"sort":[20.340261,"7116801"]},{"_index":"complaint-public-v1","_id":"12282380","_score":19.657436,"_source":{"product":"Credit card","complaint_what_happened":"One year ago, I was mugged and my phone was stolen. Upon retrieval of my phone, I found that the muggers had gotten into my phone and were able to get into multiple apps to find financial information. While most of the apps were not an issue as they hid account numbers, the Bank of America app has a particularly bad issue. Not only does it display all of its own account numbers in plain text for all to see, but if any other accounts are linked ( such as those of a linked checking account to pay the credit card bill ), the entire routing number and full checking account number are visible in plain text. I had to close all accounts, open brand new ones, and reported this issue in XXXX of XXXX \n\nWhen I reported the issue, I was assured that Bank of America took this \" very seriously '' and would \" address it immediately ''. However, months and many app updates later, nothing had changed. I again addressed this with the bank, to which their customer service again assured me that it would be handled. We are now at a year later, and despite multiple calls and complaints, they refuse to actually fix this incredibly dangerous security issue. I am considering completely closing my account as clearly Bank of America does not take financial security seriously.","date_sent_to_company":"2025-03-02T20:50:53.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"079XX","tags":null,"has_narrative":true,"complaint_id":"12282380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-02T20:39:56.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["One year ago, I was mugged and my <em>phone</em> was stolen. Upon retrieval of my <em>phone</em>, I found that the muggers had gotten into my <em>phone</em> and <em>were</em> able to get into multiple apps to find financial information. While most of the apps <em>were</em> not an issue as they hid account <em>numbers</em>, the Bank of America app has a particularly bad issue."]},"sort":[19.657436,"12282380"]},{"_index":"complaint-public-v1","_id":"5955225","_score":19.541624,"_source":{"product":"Debt collection","complaint_what_happened":"Received a letter from XXXX XXXX XXXX stating that I had debt to them. Investigated the credit reporting agencies and found that there were false phone numbers and a false address in my accounts, and collections reports from Credence Resource Mana ( not XXXX XXXX ). The false address I saw was in my reports was in XXXX XXXX, Texas. XXXX did not show me my phone numbers and only reported three addresses, two were actual former addresses in AZ and the other one my current one. I called XXXX as they are listed as a debt on XXXX, but based upon my social security number, they said that they had closed my account and that I would have to deal with the current owner of the debt. Based on they're knowing my social security number, despite me never being a customer, it is reasonable to conclude that my social security number is compromised. I am on a family plan with XXXX XXXX XXXX, and that account is and has been in good standing with {$0.00} owed. Credit Resource Mana claims that there is a debt to XXXX XXXX XXXX for which they are collecting. Lastly Credit Resource Mana is collecting over {$3000.00} for XXXX XXXX There is another collection from XXXX XXXX XXXX XXXX They are looking for {$270.00} for an apartment called XXXX XXXX XXXX. I looked apartment up and called them, leaving a message to notify them of the likely fraud perpetrated. I will try to file a police report in the city where the apartment is located in Texas as most of the activity seems to have addresses in Texas.","date_sent_to_company":"2022-09-06T17:39:43.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"85283","tags":null,"has_narrative":true,"complaint_id":"5955225","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2022-09-06T17:03:37.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Investigated the credit reporting agencies and found that there <em>were</em> false <em>phone</em> <em>numbers</em> and a false <em>address</em> in my accounts, and collections reports from Credence Resource Mana ( not XXXX XXXX ). The false <em>address</em> I saw was in my reports was in XXXX XXXX, Texas. XXXX did not show me my <em>phone</em> <em>numbers</em> and only reported three <em>addresses</em>, two <em>were</em> actual former <em>addresses</em> in AZ and the other one my current one."]},"sort":[19.541624,"5955225"]},{"_index":"complaint-public-v1","_id":"2660912","_score":19.260212,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CFPB 's choices do not allow me to select an accurate description of my problem. \n\nAfter XXXX  's security breach, I placed Security/Credit freezes with all 3 credit bureaus. \n\nNo problems with XXXX, which was done online. However, Experian and XXXX both told me that \" there were problems '' and that I could not continue ( I have copies of the exact wording if you need them ). They said I needed to mail them information. Neither told me what was wrong. \n\nSo then I called them. Try to find a phone number! They 've done a great job at making it as difficult as possible to get their phone number, but I did wind up getting numbers. \n\nI was able to place my credit freeze using the phone and their automated systems. At least they told me I had successfully placed a freeze on my account and that they will mail me a confirmation. \n\nXXXX did not charge me - it never came up in the automated phone prompts. Maybe because of the mess they created? XXXX unexpectedly and very rapidly told me my 10-digit PIN which they generated and a confirmation number. I recorded both calls ( Experian and XXXX ) and XXXX did give an option to replay the long msg, but poor design. \n\nIn XX/XX/XXXX I had a dispute with XXXX as they did not have my correct current address, which changed in XX/XX/XXXX. My driver 's license, mailing address, voter registration and even library card all had my current address, but not XXXX! They even had my mortgage of the house at the address where I was living but apparently did n't think I lived there. \n\nSummary of my complaints : 1. When they can not process your information, they do not tell you why ( sure, they may purposely want to keep it vague, but I 'm requesting a Freeze, not opening a new acct ). Here is Experian 's exact wording \" We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' 2. Wonder why the online method failed, but automated phone system worked. \n\n3. No phone numbers are given in their ' can not process ' message. \n\n4. Finding the correct phone number is difficult. Experian 's IL number ( listed on the site as XXXX ) rang once and disconnected, so I tried their CA number which said they were closed but then gave me the XXXX number which I was able to use. \n\n5. Credit bureaus must face stiffer penalties for poor data quality. They have too much power and are not responsive. If any fraudulent accounts were opened during the time a credit/security freeze was attempted and the time it actually happened, which could be a long time if someone used US Mail, they need to be held liable for all expenses incurred by the victim.","date_sent_to_company":"2017-09-14T19:38:01.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"48083","tags":null,"has_narrative":true,"complaint_id":"2660912","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-10T14:24:06.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Wonder why the online method failed, but automated <em>phone</em> system worked. \n\n3. No <em>phone</em> <em>numbers</em> are given in their ' can not process ' message. \n\n4. Finding the correct <em>phone</em> number is difficult. Experian 's IL number ( listed on the site as XXXX ) rang once and disconnected, so I tried their CA number <em>which</em> said they <em>were</em> closed but then gave me the XXXX number <em>which</em> I was able to use. \n\n5. Credit bureaus must face stiffer penalties for poor data quality."]},"sort":[19.260212,"2660912"]},{"_index":"complaint-public-v1","_id":"5418115","_score":19.203844,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX, we received a letter from Lakeview Loan Servicing LLC advising our mortgage loan records were accessed by an un-authorized entity between XX/XX/XXXX and XX/XX/XXXX. The records accessed contained name, address, loan number and social security number. Problem : Why were our mortgage loan records still in Lakeview Loan Servicing LLC systems and not archived since our mortgage loan was transferred to XXXX effective XX/XX/XXXX? More than two and a half years before Lakeview Loan Servicing 's security breach? \nThe letter Lakeview sent us on XX/XX/XXXX, provided a phone contact number XXXX which we called, and it automatically dropped after one ring. Thus, any questions we had were not answered. Lakeview Loan Servicing engaged XXXX XXXX XXXX and we tried to enroll in their free one-year service but could not because they wanted us to enter our social security numbers and we do not want to give that information to XXXX XXXX  XXXX Lakeview Loan Servicing assigned us a membership number XXXX and XXXX which XXXX XXXX should be able to use without having to enter social security numbers.","date_sent_to_company":"2022-04-07T14:22:27.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"349XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5418115","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LAKEVIEW LOAN SERVICING, LLC","date_received":"2022-04-07T13:23:19.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["More than two and a half years before Lakeview Loan Servicing 's <em>security</em> breach? \nThe letter Lakeview sent us on XX/XX/XXXX, provided a <em>phone</em> contact number XXXX <em>which</em> we called, and it automatically dropped after one ring. Thus, any questions we had <em>were</em> not answered."]},"sort":[19.203844,"5418115"]},{"_index":"complaint-public-v1","_id":"11748013","_score":18.894926,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I got a hard inquiry stating that a credit card and an account for XXXX  XXXX was opened in my name. I spent a few hours with customer support to gain access to this account. When I logged in, I saw which phone numbers were used to create the account with my information. The numbers are : ( XXXX ) XXXX and ( XXXX ) XXXX I already did a reverse lookup to see who this is and have no idea who the person is. Also what is strange is that they had the credit card ship out to my real address rather than their address. This is a very strange situation that I have never been in before but now I know that someone has my personal information including my social security number. I would have never noticed this even happened because on the account they used XXXX of my old emails, my information and my address. The only thing they put of their own was their phone numbers. I dont use that email much anymore so I didnt see the email of them creating the account. The only reason I noticed is because XXXX, Experian and XXXX notified me of a hard inquiry on my account so I looked into it.","date_sent_to_company":"2025-01-25T16:25:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44133","tags":null,"has_narrative":true,"complaint_id":"11748013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-25T16:24:57.000Z","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":["When I logged in, I saw <em>which</em> <em>phone</em> <em>numbers</em> <em>were</em> used to create the account with my information. The <em>numbers</em> are : ( XXXX ) XXXX and ( XXXX ) XXXX I already did a reverse lookup to see who this is and have no idea who the person is. Also what is strange is that they had the credit card ship out to my real <em>address</em> rather than their <em>address</em>."]},"sort":[18.894926,"11748013"]},{"_index":"complaint-public-v1","_id":"11732049","_score":18.885006,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I got a hard inquiry stating that a credit card and an account for XXXX  XXXX was opened in my name. I spent a few hours with customer support to gain access to this account. When I logged in, I saw which phone numbers were used to create the account with my information. The numbers are : ( XXXX ) XXXX and ( XXXX ) XXXX I already did a reverse lookup to see who this is and have no idea who the person is. Also what is strange is that they had the credit card ship out to my real address rather than their address. This is a very strange situation that I have never been in before but now I know that someone has my personal information including my social security number. I would have never noticed this even happened because on the account they used one of my old emails, my information and my address. The only thing they put of their own was their phone numbers. I dont use that email much anymore so I didnt see the email of them creating the account. The only reason I noticed is because XXXX, XXXX and equifax notified me of a hard inquiry on my account so I looked into it.","date_sent_to_company":"2025-01-25T16:24:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44133","tags":null,"has_narrative":true,"complaint_id":"11732049","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-25T16:08:52.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["When I logged in, I saw <em>which</em> <em>phone</em> <em>numbers</em> <em>were</em> used to create the account with my information. The <em>numbers</em> are : ( XXXX ) XXXX and ( XXXX ) XXXX I already did a reverse lookup to see who this is and have no idea who the person is. Also what is strange is that they had the credit card ship out to my real <em>address</em> rather than their <em>address</em>."]},"sort":[18.885006,"11732049"]},{"_index":"complaint-public-v1","_id":"11748014","_score":18.882626,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I got a hard inquiry stating that a credit card and an account for XXXX  XXXX was opened in my name. I spent a few hours with customer support to gain access to this account. When I logged in, I saw which phone numbers were used to create the account with my information. The numbers are : ( XXXX ) XXXX and ( XXXX ) XXXX I already did a reverse lookup to see who this is and have no idea who the person is. Also what is strange is that they had the credit card ship out to my real address rather than their address. This is a very strange situation that I have never been in before but now I know that someone has my personal information including my social security number. I would have never noticed this even happened because on the account they used XXXX of my old emails, my information and my address. The only thing they put of their own was their phone numbers. I dont use that email much anymore so I didnt see the email of them creating the account. The only reason I noticed is because transunion, XXXX and XXXX notified me of a hard inquiry on my account so I looked into it.","date_sent_to_company":"2025-01-25T16:25:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44133","tags":null,"has_narrative":true,"complaint_id":"11748014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-25T16:24:57.000Z","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":["When I logged in, I saw <em>which</em> <em>phone</em> <em>numbers</em> <em>were</em> used to create the account with my information. The <em>numbers</em> are : ( XXXX ) XXXX and ( XXXX ) XXXX I already did a reverse lookup to see who this is and have no idea who the person is. Also what is strange is that they had the credit card ship out to my real <em>address</em> rather than their <em>address</em>."]},"sort":[18.882626,"11748014"]},{"_index":"complaint-public-v1","_id":"6642829","_score":18.850422,"_source":{"product":"Checking or savings account","complaint_what_happened":"three months ago the bank blocked my account due to fraud alert. After being bounced around between departments throughout many phone calls, the specialized fraud department acknowledged the block, but then refused to verify my identity ( despite me providing 3 different phone numbers all of which they were misteriously unable to reach, mi SSN, my mailing address my debit card number and credit card number ). They told me to wait until a physical letter arrived to my mailing address with a security code. \nIt's been 3 months. The letter never arrived. I've called more than 10 times in the meantime, all of the times they refuse to engage in conversation with me after claiming to be unable to reach my phone numbers on file, and hang up after telling to wait for the letter. I have been denied access to my money and savings for 3 months now and have not been able to even file a formal complaint with them because they have no such department. I NEED HELP","date_sent_to_company":"2023-03-03T23:31:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07047","tags":null,"has_narrative":true,"complaint_id":"6642829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-03-03T23:14:23.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["After being bounced around between departments throughout many <em>phone</em> calls, the specialized fraud department acknowledged the block, but then refused to verify my identity ( despite me providing 3 different <em>phone</em> <em>numbers</em> all of <em>which</em> they <em>were</em> misteriously unable to reach, mi SSN, my mailing <em>address</em> my debit card number and credit card number ). They told me to wait until a physical letter arrived to my mailing <em>address</em> with a <em>security</em> code. \nIt's been 3 months. The letter never arrived."]},"sort":[18.850422,"6642829"]},{"_index":"complaint-public-v1","_id":"10302287","_score":18.822458,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint regarding a fraudulent Cash App account and a debit card that were opened in my name using my stolen Social Security Number ( SSN ). The scammers who opened the account used their own phone numbers and emails, and I had no involvement or knowledge of this activity. \n\nAfter receiving a debit card which was sent to my address today ( XX/XX/year> ), I immediately contacted Cash App to report it and requested that they close the account. However, Cash App has refused to close the account unless I provide the phone numbers and email addresses used by the scammers, which I do not have. I have provided Cash App with documentation proving the identity theft, including an FTC Identity Theft Report and a police report, yet they have not taken action to resolve the situation. \n\nCash Apps refusal to close the fraudulent account despite clear evidence of identity theft is putting my personal information at continued risk. This lack of response and assistance in resolving the fraud is deeply frustrating and concerning.","date_sent_to_company":"2024-10-02T05:43:18.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"99502","tags":null,"has_narrative":true,"complaint_id":"10302287","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-10-02T05:34:00.000Z","state":"AK","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am filing this complaint regarding a fraudulent Cash App account and a debit card that <em>were</em> opened in my name using my stolen Social <em>Security</em> Number ( SSN ). The scammers who opened the account used their own <em>phone</em> <em>numbers</em> and emails, and I had no involvement or knowledge of this activity. \n\nAfter receiving a debit card <em>which</em> was sent to my <em>address</em> today ( XX/XX/year> ), I immediately contacted Cash App to report it and requested that they close the account."]},"sort":[18.822458,"10302287"]},{"_index":"complaint-public-v1","_id":"6627106","_score":18.759565,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX XXXX  I mailed a certified letter to Experian disputing several inaccuracies on my credit report and requested an investigation. I requested that they provide proof of verification documents retained in their files up to and including contracts or agreements with my wet signature as granted to me by 15 USC 1681g. I further requested that if they were unable to verify the information that it be promptly deleted as per FCRA 15 USC 1681i and attached a copy of my drivers license and social security card. \n\nBy XX/XX/XXXX, I still had not received an update and submitted a XXXX dispute letter of my personal information and public record as I had learned Experian had lawsuit for incorrectly reporting residential information. Their report had XXXX addresses, XXXX social security numbers and XXXX name variations which I requested to be deleted. I also requested proof of verification of the public record/bankruptcy they were reporting for me. \nOn XXXX XXXX XXXX  I received an email that my dispute was complete. They failed to provide any proof or documentation of the disputed items and simply attached \" verified '' to the disputed items. \nOn XXXX XXXX XXXX  I called and started a new dispute into the personal information including the XXXX addresses, name variations, phone numbers and social security numbers. I was advised the addresses with no credit account associated would be deleted in 24-72 hours and I asked to dispute the public record again with proof they verified with the Indiana XXXX XXXX \nSeveral hours later I received an email that the dispute was completed and they did not verify anything! In fact, they changed all of the disputed addresses to my current address but they remained attached to the address ID from the disputed addresses and never contacted the Indiana court to verify anything! \nI advised that I was affected by the XXXX data breach and it did not matter at all. After XXXX disputes, they continue to report unverified inaccurate information.","date_sent_to_company":"2023-03-01T03:31:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38115","tags":null,"has_narrative":true,"complaint_id":"6627106","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-01T02:24:37.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Their report had XXXX <em>addresses</em>, XXXX social <em>security</em> <em>numbers</em> and XXXX name variations <em>which</em> I requested to be deleted. I also requested proof of verification of the public record/bankruptcy they <em>were</em> reporting for me. \nOn XXXX XXXX XXXX  I received an email that my dispute was complete. They failed to provide any proof or documentation of the disputed items and simply attached \" verified '' to the disputed items."]},"sort":[18.759565,"6627106"]},{"_index":"complaint-public-v1","_id":"8830458","_score":18.724188,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint is mainly over frustration in the bank 's handling of customers who are no longer in their service area. \n\nI opened the account in XXXX - lots of bank buy outs and moves. I last updated my contact information for online access when I moved to XXXX in XXXX. When I moved to XXXX in XXXX, I tried to update my address online, but could not remember the phone numbers that were used many years ago. Both work and home had changed several times over the 18 years. \nI did not contact the bank since the sole use of the account was direct payment for life insurance which occurred once a year. I tracked my balance in my computer. \nThis year 's ( XX/XX/XXXX ) payment was the last insurance payment that had sufficient funds so I called to close the account. I was given the balance, which did not match my records, and was told I had returned mail, but no mention of the fee being withdrawn. I was told I needed to go a branch office to close the account. \n\nComplaint # XXXX I checked into 'returned mail ' and to my surprise, found out I have been billed {$12.00} per month. No one contacted me to inform me that I was being billed for something that should have been easily remedied. While the bank contact phone numbers were out of date, I performed a simple XXXX query and found an accurate phone number for me on the first try. \n\nI called a second time on XXXX XXXX to attempt to get my contact information updated over the phone. After 20+ minutes of exchanging information and the assistant checking with the manager, I was told I needed to go a branch bank since the data I had was not sufficient to meet their security - mother 's maiden name, social security XXXX last transaction, last address - BUT I could not match the phone numbers. \nThe third call on XXXX XXXX went better. I was able to update the address, but still could not match the phone number. The bank reversed 2 of the returned mail charges On XXXX XXXX, I was in XXXX ( XXXX miles from home in XXXX ) for a trip and was able to go an office. The bank staff was very helpful and filled out a form to update the account to latest phone numbers and also reversed yet another returned mail charge. \n\nComplaint XXXX - All my attempts to make changes to online banking data failed due to phone number mismatch. No one ever contacted me after failed efforts to set up online account ( XXXX, XXXX ), even though I had valid email and phone in the request. \nMy identification of social security, mothers maiden name, and last transaction should have allowed the bank to change the contact info. Instead, I had to go to bank, whose employees have been helpful, to fill out a form that they sent internally to data base team. \nMailing statement that will never be delivered is a useless requirement that could be avoided by coding the account with bad address after a few returns rather than drawing down the account with repetitive charges without taking the effort to solve the missing address. A change in bank policy may be needed to stop useless and expensive delivery charges. \n\nComplaint XXXX - I would like the bank to refund the returned mail charges from XXXX to XX/XX/XXXX- {$84.00}. The bank associates were only able to refund charges incurred in the last 60 days.","date_sent_to_company":"2024-04-22T17:11:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"76712","tags":"Older American","has_narrative":true,"complaint_id":"8830458","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"PROSPERITY BANCSHARES, INC.","date_received":"2024-04-22T16:18:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["After 20+ minutes of exchanging information and the assistant checking with the manager, I was told I needed to go a branch bank since the data I had was not sufficient to meet their <em>security</em> - mother 's maiden name, social <em>security</em> XXXX last transaction, last <em>address</em> - BUT I could not match the <em>phone</em> <em>numbers</em>. \nThe third call on XXXX XXXX went better. I was able to update the <em>address</em>, but still could not match the <em>phone</em> number."]},"sort":[18.724188,"8830458"]},{"_index":"complaint-public-v1","_id":"6876679","_score":18.715775,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I placed a security freeze on my credit report with Experian. Experian provided me a 10 digit PIN which I was told would be the only key to un-freeze my credit report. In XXXX, XXXX I received information from XXXX XXXX and XXXX  that someone posing as me had applied for credit with them. XXXX XXXX confirmed that they were able to get a credit report on me from Experian. It was extremely difficult to contact Experian to resolve the matter. After spending a day on the phone with them, all I could learn was that someone had obtained my social security number and was able to open an account with them and un-freeze my credit. Experian did this without the security PIN and without attempting to verify the identity of the fraudster, who went on to apply for numerous credit cards in my name. Talking to Experian was fruitless. They do not consider any fraud information on your account as fraud, instead transfer you to \" membership '' who can do nothing about fraud. It took hours to clear off the invalid credit information and delete numerous added addresses and phone numbers. I do not have confidence that I have fully corrected the record. \nThe fraudsters have figured out that the Experian report does not show all the phone numbers on the account. The fraudsters had added at least 5. I had to submit a report THREE times to Experian because each time they would remove bad phone numbers, new bad numbers would show up in their limited field-view. I also believe that the fraudsters added 5 phone numbers because the FTC identitytheft.gov website allows a victim to only report 4 bad numbers, thus leaving 1 fraud number as valid. I thought it was the law that once my credit was frozen it was permanent until I un-froze it. Though I have asked Experian to explain how that could have been done without my security PIN, they have been unable to provide an explanation. I was not surprised by the fact that a fraudster was unable to get my ssn, because it has been widely reported that that information is readily available. Despite all of this, Experian saw fit to ignore their security process and obvious signs of fraud and allow someone to take over my credit. I believe the CFPB should require the credit bureaus to more rigorously protect the data that they are collecting ; collecting even without my permission.","date_sent_to_company":"2023-04-22T17:11:53.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46208","tags":"Older American","has_narrative":true,"complaint_id":"6876679","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-22T16:31:01.000Z","state":"IN","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["It took hours to clear off the invalid credit information and delete numerous added <em>addresses</em> and <em>phone</em> <em>numbers</em>. I do not have confidence that I have fully corrected the record. \nThe fraudsters have figured out that the Experian report does not show all the <em>phone</em> <em>numbers</em> on the account. The fraudsters had added at least 5. I had to submit a report THREE times to Experian because each time they would remove bad <em>phone</em> <em>numbers</em>, new bad <em>numbers</em> would show up in their limited field-view."],"sub_issue":["Difficulty submitting a dispute or getting information about a dispute over the <em>phone</em>"]},"sort":[18.715775,"6876679"]},{"_index":"complaint-public-v1","_id":"2660227","_score":18.505339,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax Inc. said its systems were struck by a cyberattack. The criminal took advantage of a \" U.S. website application vulnerability to gain access to certain files '' from XX/XX/XXXX through XX/XX/XXXX.  Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, and credit card numbers. \nAccording to www.equifaxsecurity2017.com, I was  impacted by this incident, and my information may have been acquired by the hacker. \nEquifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.","date_sent_to_company":"2017-09-09T07:59:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75093","tags":null,"has_narrative":true,"complaint_id":"2660227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T03:46:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax Inc. said its systems <em>were</em> struck by a cyberattack. The criminal took advantage of a \" U.S. website application vulnerability to gain access to certain files '' from XX/XX/XXXX through XX/XX/XXXX.  Intruders accessed names, Social <em>Security</em> <em>numbers</em>, birth dates, <em>addresses</em> and drivers license <em>numbers</em>, and credit card <em>numbers</em>. \nAccording to www.equifaxsecurity2017.com, I was  impacted by this incident, and my information may have been acquired by the hacker."]},"sort":[18.505339,"2660227"]},{"_index":"complaint-public-v1","_id":"12317166","_score":18.427896,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear CFPB, I am writing to formally file a complaint regarding a series of unauthorized activities on my checking account, as well as the denial of my fraud claim by Bank of America. \n\nOn XX/XX/XXXX, in the early morningwhile the bank was not yet XXXX received an email stating that my bank password had been changed, an action I did not authorize. I immediately logged into my account and reset my password, believing that this would prevent further unauthorized access and protect my funds. However, shortly thereafter, I began receiving additional emails from the bank indicating that the contact information in my account was being altered. Specifically, while my account initially had two phone numbers ( one for me and one for my daughter ) along with my email address, the fraudsters deleted my daughters phone number and changed my email address to one they created. They have control of my phone number and as a result, all the contact information on my account came under their control, leaving me unable to manage or secure my account. Eventually, I was unable to log into my online banking and could no longer verify whether my funds were still intact. \n\nWhen I arrived at my local branch first thing that morning, I was informed that there were several large, suspicious transactions in my checking account. I was told that two unauthorized transactions had been processed and several others were still pending. Although some of these transactions were reversedpresumably after the bank detected the duplicated large transactionsmost were directed to a company called XXXX Texas, with which I have no business relationship as I reside in California. Additionally, the banker noted that someone had even ordered debit cards on my behalf. \n\nI promptly filed fraud claims with Bank of America for all of these unauthorized transactions and was told the money will return in XXXX business days. While as of today, one claim resulted in a temporary credit but still invesgating, another was denied with the explanation that the charge was authorized by you or made by someone who has permission to use the card or account. This reasoning is incorrect, as none of these transactions were authorized by me. Furthermore, I am concerned that even the temporary credit may later be reversed.\n\nI also believe that the banks reliance solely on phone numbers for identity verification presents a significant security vulnerability. Fraudsters canand in my case, didgain control of phone numbers to intercept security codes and manipulate account information. Despite being the legitimate account holder, the fraudsters control of my phone number prevented me from receiving security codes, leading the bank to mistakenly assume that I was not the authorized user. This practice poses a serious risk and highlights a major flaw in the banks security protocols. \n\nI respectfully request that the CFPB investigate this matter to ensure that proper procedures are followed in handling fraudulent activities and to protect consumers from being held responsible for unauthorized transactions. \n\nThank you for your prompt attention to this serious issue. I am prepared to provide any additional information or documentation as needed. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-04T17:12:37.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"91752","tags":null,"has_narrative":true,"complaint_id":"12317166","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-04T16:52:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["This reasoning is incorrect, as none of these transactions <em>were</em> authorized by me. Furthermore, I am concerned that even the temporary credit may later be reversed.\n\nI also believe that the banks reliance solely on <em>phone</em> <em>numbers</em> for identity verification presents a significant <em>security</em> vulnerability. Fraudsters canand in my case, didgain control of <em>phone</em> <em>numbers</em> to intercept <em>security</em> codes and manipulate account information."]},"sort":[18.427896,"12317166"]},{"_index":"complaint-public-v1","_id":"8151885","_score":18.306114,"_source":{"product":"Checking or savings account","complaint_what_happened":"In late XXXX, my brother XXXX received a letter from Wells Fargo that my deceased brother XXXX was entitled to a refund from Wells Fargo for deductions from his account for the Identity Theft Protection - Affinity product. A check for {$3000.00} payable to XXXX was enclosed. That has been distributed to his surviving relatives. \n\nThere was also a letter addressed to my deceased XXXX, XXXX that she had been enrolled in the Identity Theft Program, and inquiring whether she had enrolled in it. \nAfter several phone calls to the Wells Fargo number, I was told a refund check would be sent to me in her name for {$1100.00} which will be distributed to her surviving children. \n\nI had another brother and a sister who were Wells Fargo customers in XXXX, XXXX. They are both deceased. I have called Wells Fargo at the numbers provided on the refunds to my brother and mother to see if my deceased brother and sister were entitled to a refund. I offered to provide Social Security numbers for my deceased brother and sister to see if they were entitled to a refund. Wells Fargo representatives said they could only search by addresses, and not by Social Security. When I gave possible addresses, they stated they could find nothing. They repeatedly told me they could not search by Social Security number, which was necessary for my brother and sister to open their accounts. \n\nWe are at Wells Fargo 's mercy whether or not they owe my deceased brother and sister money for deductions from their accounts. My sister was in charge for my elderly mother and XXXX brother. If my mother had an account at Wells Fargo, my sister would have had XXXX also. The fact they can not ( or will not ) index by Social Security number or taxpayer ID number is ridiculous. \n\nIs the CFPB auditing this process? They should be able tell by Social Security number if there was an account for a deceased person, and whether Wells Fargo deducted money from their accounts for unwanted and unauthorized programs.","date_sent_to_company":"2024-01-11T23:12:17.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"513XX","tags":"Older American","has_narrative":true,"complaint_id":"8151885","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-01-11T22:33:46.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I have called Wells Fargo at the <em>numbers</em> provided on the refunds to my brother and mother to see if my deceased brother and sister <em>were</em> entitled to a refund. I offered to provide Social <em>Security</em> <em>numbers</em> for my deceased brother and sister to see if they <em>were</em> entitled to a refund. Wells Fargo representatives said they could only search by <em>addresses</em>, and not by Social <em>Security</em>. When I gave possible <em>addresses</em>, they stated they could find nothing."]},"sort":[18.306114,"8151885"]},{"_index":"complaint-public-v1","_id":"2309418","_score":18.206448,"_source":{"product":"Mortgage","complaint_what_happened":"Was delayed in XXXX program by Bank of America for OVER XXXX MONTHS. Originally enrolled in XXXX program on XXXX/XXXX/XXXX. \nDuring this unacceptable XXXX YEAR timeframe, and the XXXX XXXX Mortgage Backed Security fraud, my home lost market value from {$380000.00} XXXX XXXX purchase price to ( having no other option ) short sale closing in XX/XX/XXXX of {$250000.00}. \n\nXXXX names : XXXX Mortgage Former Property address : XXXX XXXX FL XXXX. \nBank that own 's loans were Bank Of America. Our mortgage loan # 's were XXXX XXXX first & larger loan owned by Fannie Mae XXXX & XXXX ( second smaller loan owned by the bank ). \nREAD article XX/XX/XXXX where XXXX XXXX Mortgage unit was fined $ XXXX by CFPB for giving their customers \" the runaround ''. I too experienced \" the runaround '' from Bank of America ... multiple requests for identifical information, disconnected phone numbers, they would not accept partial payments, changing of support personnel & phone numbers & locations, along with long winded response letters which were difficult to understand. \n\nAS A RESULT ... I 'm seeking FULL restitution from Bank of America for the XXXX I lost in my home as a result of their INACTION and mortgage backed security fraud.","date_sent_to_company":"2017-01-24T17:42:26.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"FHA mortgage","zip_code":"125XX","tags":null,"has_narrative":true,"complaint_id":"2309418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-01-24T17:42:25.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I too experienced \" the runaround '' from Bank of America ... multiple requests for identifical information, disconnected <em>phone</em> <em>numbers</em>, they would not accept partial payments, changing of support personnel & <em>phone</em> <em>numbers</em> & locations, along with long winded response letters <em>which</em> <em>were</em> difficult to understand. \n\nAS A RESULT ... I 'm seeking FULL restitution from Bank of America for the XXXX I lost in my home as a result of their INACTION and mortgage backed <em>security</em> fraud."]},"sort":[18.206448,"2309418"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1217,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1217}]}},"product":{"doc_count":1217,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":311,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":309},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Checking or savings account","doc_count":213,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":159},{"key":"Savings account","doc_count":34},{"key":"Other 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