{"took":153,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":102,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2661703","_score":23.940758,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was affected in the Equifax hack according to their website on XXXX/XXXX/2017. They failed to inform the public after they found out they were hacked and they refuse to contact people, forcing them to use their service to see if their very personal information ( social security numbers, addresses, birthdates and even numbers of some drivers licenses ) had been stolen.\nThis is unacceptable for a company and some of their execs sold stock before finally reveiling they were hacked.This must be investigated and actions have to be taken to protect the 143 million innocent people that had their personal data stolen.","date_sent_to_company":"2017-09-09T13:23:31.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"222XX","tags":null,"has_narrative":true,"complaint_id":"2661703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T12:59:56.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["They failed to inform the public after they found out they were hacked and they refuse to contact people, forcing them to use their service to see if their very <em>personal</em> <em>information</em> ( social <em>security</em> <em>numbers</em>, addresses, <em>birthdates</em> and even <em>numbers</em> of some drivers licenses ) had been stolen."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"sub_product":["Other <em>personal</em> consumer report"]},"sort":[23.940758,"2661703"]},{"_index":"complaint-public-v1","_id":"2661727","_score":23.145428,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax mishandled my personal information including my name, social security number, address, birthdate, driver 's license number, credit card numbers, and potentially more. A data breach occurred in XX/XX/XXXX but they did not notify me of the breach, instead directing me to another credit monitoring product at www.equifaxsecurity2017.com containing egregious terms of service language. The complimentary product they offer is only available for a year, which does not cover the period of time necessary to protect my social security number from fraud resulting from the breach. Equifax ultimately did not have the necessary security protocols in place to handle highly sensitive personal information of 143 million Americans, and they 're actions afterward are not in good faith.","date_sent_to_company":"2017-09-09T13:25:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08753","tags":null,"has_narrative":true,"complaint_id":"2661727","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T13:13:11.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax mishandled my <em>personal</em> <em>information</em> including my name, social <em>security</em> number, address, <em>birthdate</em>, driver 's license number, credit card <em>numbers</em>, and potentially more. A data breach occurred in XX/XX/XXXX but they did not notify me of the breach, instead directing me to another credit monitoring product at www.equifaxsecurity2017.com containing egregious terms of service language."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[23.145428,"2661727"]},{"_index":"complaint-public-v1","_id":"1691382","_score":23.113678,"_source":{"product":"Debt collection","complaint_what_happened":"American Express has turned my debt over to a debt collector in XXXX. This company has called various telephone numbers associated with the account ( including private cell phone numbers and work numbers ), has not identified who they are, but has discussed my debt with those who answer the numbers. They have called me personally claiming to be from American Express and ask for personal information including address, birthdate, and social security number - which I do not give. I have told them I will deal directly with American Express yet my friends, family, and I continue to get phone calls from unknown numbers, representatives who are from XXXX with an XXXX accent, and only identify themselves as being from AMEX.","date_sent_to_company":"2015-12-10T14:52:40.000Z","issue":"Improper contact or sharing of info","sub_product":"Credit card","zip_code":"32757","tags":null,"has_narrative":true,"complaint_id":"1691382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2015-12-10T14:52:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Talked to a third party about my debt"},"highlight":{"complaint_what_happened":["This company has called various telephone <em>numbers</em> associated with the account ( including private cell phone <em>numbers</em> and work <em>numbers</em> ), has not identified who they are, but has discussed my debt with those who answer the <em>numbers</em>. They have called me personally claiming to be from American Express and ask for <em>personal</em> <em>information</em> including address, <em>birthdate</em>, and social <em>security</em> number - which I do not give."]},"sort":[23.113678,"1691382"]},{"_index":"complaint-public-v1","_id":"15753375","_score":23.071014,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX  recently experienced a data breach in XX/XX/scrub> 2025, confirmed on XX/XX/year>2025, that exposed the personal data of over XXXX XXXX U.S. consumers, including names, Social Security numbers, birthdates, and contact information, via a compromised third-party application. I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report.","date_sent_to_company":"2025-09-05T23:38:21.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"77471","tags":null,"has_narrative":true,"complaint_id":"15753375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-09-05T23:20:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["XXXX  recently experienced a data breach in XX/XX/scrub> 2025, confirmed on XX/XX/year>2025, that exposed the <em>personal</em> data of over XXXX XXXX U.S. consumers, including names, Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, and contact <em>information</em>, via a compromised third-party application. I am writing to dispute inaccurate <em>information</em> on my credit report under the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report."]},"sort":[23.071014,"15753375"]},{"_index":"complaint-public-v1","_id":"2667732","_score":22.934183,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax compiled my personal and confidential financial information, and the information of millions of others. Equifax had a duty of confidentiality regarding this information, to keep it safe, as consumers are not able to \" opt out '' of Equifax in this modern financial era. \n\nEquifax breached this duty when they did not take measures to ensure they were not hacked. Equifax was, in fact, hacked, breaching their duty of confidentiality ; names, Social Security numbers, birthdates, driver 's license numbers -- all were made available to criminals due to Equifax 's negligence in not providing sufficient security when there have been recent hacks into the financial files of many large companies. Further, Equifax withheld informing consumers of this hack for an unreasonable amount of time. \n\nUpon checking Equifax 's webpage, I received the following notice : \" Based on the information provided, we believe that your personal information may have been impacted by this incident. ''","date_sent_to_company":"2017-09-09T04:08:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93704","tags":null,"has_narrative":true,"complaint_id":"2667732","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T00:02:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax was, in fact, hacked, breaching their duty of confidentiality ; names, Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, driver 's license <em>numbers</em> -- all were made available to criminals due to Equifax 's negligence in not providing sufficient <em>security</em> when there have been recent hacks into the financial files of many large companies. Further, Equifax withheld informing consumers of this hack for an unreasonable amount of time."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[22.934183,"2667732"]},{"_index":"complaint-public-v1","_id":"13951434","_score":22.753387,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Call XXXX XXXX XXXX XXXX  about me not seen my credit score. On XX/XX/XXXX they finally transferred me to a supervisor to help me with a lock on my account. They also deleted my account only and I cant register it back. They are reporting inaccurate information on my credit report. \n\nIncorrect personal information : This can range from misspelled names to incorrect addresses, Social Security numbers, or birthdates. These errors can lead to confusion and misattribution my credit history.","date_sent_to_company":"2025-06-07T17:34:53.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"75068","tags":"Servicemember","has_narrative":true,"complaint_id":"13951434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-07T17:14:26.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["They are reporting inaccurate <em>information</em> on my credit report. \n\nIncorrect <em>personal</em> <em>information</em> : This can range from misspelled names to incorrect addresses, Social <em>Security</em> <em>numbers</em>, or <em>birthdates</em>. These errors can lead to confusion and misattribution my credit history."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[22.753387,"13951434"]},{"_index":"complaint-public-v1","_id":"13020976","_score":22.736124,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally notify you that my personal information was compromised as a result of the Equifax data breach that occurred in 2017. I recently confirmed that my data was included in the breach, which exposed sensitive information such as Social Security numbers, birthdates, addresses, and other personal identifying details. \n\nI am deeply concerned about the long-term impact this breach may have on my financial security and personal privacy. I have taken precautionary steps including monitoring my credit reports and placing fraud alerts, but I believe it is important that this incident be properly documented with your office. \n\nPlease advise if there are any additional steps I should take, or if further information is needed from me to support an investigation or to ensure my consumer rights are protected. \n\nThank you for your time and continued efforts to protect consumers.","date_sent_to_company":"2025-04-16T13:35:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"13020976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-16T13:22:36.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to formally notify you that my <em>personal</em> <em>information</em> was compromised as a result of the Equifax data breach that occurred in 2017. I recently confirmed that my data was included in the breach, which exposed sensitive <em>information</em> such as Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, addresses, and other <em>personal</em> identifying details. \n\nI am deeply concerned about the long-term impact this breach may have on my financial <em>security</em> and <em>personal</em> privacy."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[22.736124,"13020976"]},{"_index":"complaint-public-v1","_id":"13020286","_score":22.736124,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally notify you that my personal information was compromised as a result of the Equifax data breach that occurred in 2017. I recently confirmed that my data was included in the breach, which exposed sensitive information such as Social Security numbers, birthdates, addresses, and other personal identifying details. \n\nI am deeply concerned about the long-term impact this breach may have on my financial security and personal privacy. I have taken precautionary steps including monitoring my credit reports and placing fraud alerts, but I believe it is important that this incident be properly documented with your office. \n\nPlease advise if there are any additional steps I should take, or if further information is needed from me to support an investigation or to ensure my consumer rights are protected. \n\nThank you for your time and continued efforts to protect consumers.","date_sent_to_company":"2025-04-16T13:35:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"13020286","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-16T13:35:03.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to formally notify you that my <em>personal</em> <em>information</em> was compromised as a result of the Equifax data breach that occurred in 2017. I recently confirmed that my data was included in the breach, which exposed sensitive <em>information</em> such as Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, addresses, and other <em>personal</em> identifying details. \n\nI am deeply concerned about the long-term impact this breach may have on my financial <em>security</em> and <em>personal</em> privacy."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[22.736124,"13020286"]},{"_index":"complaint-public-v1","_id":"13020979","_score":22.709576,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally notify you that my personal information was compromised as a result of the Equifax data breach that occurred in 2017. I recently confirmed that my data was included in the breach, which exposed sensitive information such as Social Security numbers, birthdates, addresses, and other personal identifying details. \n\nI am deeply concerned about the long-term impact this breach may have on my financial security and personal privacy. I have taken precautionary steps including monitoring my credit reports and placing fraud alerts, but I believe it is important that this incident be properly documented with your office. \n\nPlease advise if there are any additional steps I should take, or if further information is needed from me to support an investigation or to ensure my consumer rights are protected. \n\nThank you for your time and continued efforts to protect consumers.","date_sent_to_company":"2025-04-16T13:35:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"13020979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-16T13:35:03.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to formally notify you that my <em>personal</em> <em>information</em> was compromised as a result of the Equifax data breach that occurred in 2017. I recently confirmed that my data was included in the breach, which exposed sensitive <em>information</em> such as Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, addresses, and other <em>personal</em> identifying details. \n\nI am deeply concerned about the long-term impact this breach may have on my financial <em>security</em> and <em>personal</em> privacy."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[22.709576,"13020979"]},{"_index":"complaint-public-v1","_id":"8995733","_score":21.609966,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of XXXX XXXX people.The breach occurred after Equifax security officials failed to install a software upgrade that had been recommended to seal off digital intruders from obtaining access to the names, birthdates and Social Security numbers .Third-party data brokers use several sources for your data, such as : Social media activity. \nCookies. \nTracking your IP address. \nPurchasing history and warranty information.\n\nCredit card information. \nPublic records*XX/XX/XXXX. \nXXXX. \nXXXX. \nXXXX. \nXXXX. \nXXXX are among the problem. \nPeople search sites have my information and that's a problem for me. Any thing That has my demographic should be remove. XXXX XXXX XXXX XX/XX/XXXX age XXXX","date_sent_to_company":"2024-05-17T15:43:10.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"8995733","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-13T19:37:22.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In XXXX of XXXX, Equifax announced a data breach that exposed the <em>personal</em> <em>information</em> of XXXX XXXX people.The breach occurred after Equifax <em>security</em> officials failed to install a software upgrade that had been recommended to seal off digital intruders from obtaining access to the names, <em>birthdates</em> and Social <em>Security</em> <em>numbers</em> .Third-party data brokers use several sources for your data, such as : Social media activity. \nCookies. \nTracking your IP address."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"sub_product":["Other <em>personal</em> consumer report"]},"sort":[21.609966,"8995733"]},{"_index":"complaint-public-v1","_id":"15768728","_score":21.182104,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX  experienced a confirmed data breach in XX/XX/year> ( announced XX/XX/year> ) that exposed the personal information of over XXXX XXXX XXXX consumers, including names, Social Security numbers, birthdates, and contact details. I am one of the affected individuals.\n\nAs a result of this breach, I believe the student loans being reported on my credit file are inaccurate and should be removed. I disputed these items through Credit Karma but they are still being reported. I noticed the issue today and am filing this complaint to request that all student loans be removed from my credit report since they can not be verified as accurate following the breach.","date_sent_to_company":"2025-10-30T21:10:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37066","tags":null,"has_narrative":true,"complaint_id":"15768728","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-06T15:55:29.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX  experienced a confirmed data breach in XX/XX/year> ( announced XX/XX/year> ) that exposed the <em>personal</em> <em>information</em> of over XXXX XXXX XXXX consumers, including names, Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, and contact details. I am one of the affected individuals.\n\nAs a result of this breach, I believe the student loans being reported on my credit file are inaccurate and should be removed. I disputed these items through Credit Karma but they are still being reported."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[21.182104,"15768728"]},{"_index":"complaint-public-v1","_id":"15768434","_score":21.182104,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX  experienced a confirmed data breach in XX/XX/year> ( announced XX/XX/year> ) that exposed the personal information of over XXXX XXXX XXXX consumers, including names, Social Security numbers, birthdates, and contact details. I am one of the affected individuals. \n\nAs a result of this breach, I believe the student loans being reported on my credit file are inaccurate and should be removed. I disputed these items through XXXX XXXX but they are still being reported. I noticed the issue today and am filing this complaint to request that all student loans be removed from my credit report since they can not be verified as accurate following the breach.","date_sent_to_company":"2025-09-06T15:55:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37066","tags":null,"has_narrative":true,"complaint_id":"15768434","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2025-09-06T15:45:34.000Z","state":"TN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX  experienced a confirmed data breach in XX/XX/year> ( announced XX/XX/year> ) that exposed the <em>personal</em> <em>information</em> of over XXXX XXXX XXXX consumers, including names, Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, and contact details. I am one of the affected individuals. \n\nAs a result of this breach, I believe the student loans being reported on my credit file are inaccurate and should be removed. I disputed these items through XXXX XXXX but they are still being reported."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[21.182104,"15768434"]},{"_index":"complaint-public-v1","_id":"2666156","_score":20.659376,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It was released by Equifax on XX/XX/XXXX that 143 million people could be affected by a data breach in which cybercriminals stole information including names, Social Security numbers, birth dates, addresses, and the numbers of some driver 's licenses. \n\nUsing their online checker, linked here : https : //www.equifaxsecurity2017.com/ I was told that my identity may have been compromised by this checker. I therefore have reason to believe, as reported by Equifax themselves, that Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX. \n\nI did not enroll in the free protection surface Equifax is offering in compensation because Equifax has included the non-arbitration clause contained in the terms of service consumers must sign off on upon enrolling. \n\nI am filing a complaint as Equifax has irresponsibly secured my information and put my livelihood at risk. Such a large breach in security is not only unprecedented, but also a glaring example of private industries ' cavalier attitudes towards consumer protections. Equifax is defrauding injured parties with hidden terms of service that waive their right to sue Equifax in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.","date_sent_to_company":"2017-09-08T22:00:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11216","tags":null,"has_narrative":true,"complaint_id":"2666156","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T21:36:06.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I therefore have reason to believe, as reported by Equifax themselves, that Equifax mishandled my <em>personal</em> <em>information</em> including Name, Social <em>Security</em> #, Address, <em>Birthdate</em>, etc. resulting in a data breach in XX/XX/XXXX. \n\nI did not enroll in the free protection surface Equifax is offering in compensation because Equifax has included the non-arbitration clause contained in the terms of service consumers must sign off on upon enrolling."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[20.659376,"2666156"]},{"_index":"complaint-public-v1","_id":"11177507","_score":20.570782,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, Equifax announced a significant data breach, compromising sensitive personal information of millions of U.S. consumers, including names, addresses, Social Security numbers, birthdates, and in some cases, drivers license numbers. As a result, my personal data may have been exposed to unauthorized parties. \n\nI would like to request that you review my credit report for any suspicious activity or accounts opened in my name due to the breach. I also request that any inaccurate information related to this incident be corrected, including fraudulent accounts, inquiries, or incorrect balances. Additionally, I am requesting that you provide a free copy of my updated credit report after the investigation. \n\nPlease confirm that you have received this request and provide me with an estimated timeline for the resolution of my dispute. If any fraudulent activity is detected, I also request that you place a fraud alert on my file to prevent further damage. \n\nThank you for your prompt attention to this matter. If you need any additional information or documentation from me, please do not hesitate to contact me at XXXX ands experians data breach","date_sent_to_company":"2024-12-16T04:24:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07047","tags":null,"has_narrative":true,"complaint_id":"11177507","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-16T03:59:32.000Z","state":"NJ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On XX/XX/year>, Equifax announced a significant data breach, compromising sensitive <em>personal</em> <em>information</em> of millions of U.S. consumers, including names, addresses, Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, and in some cases, drivers license <em>numbers</em>. As a result, my <em>personal</em> data may have been exposed to unauthorized parties. \n\nI would like to request that you review my credit report for any suspicious activity or accounts opened in my name due to the breach."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[20.570782,"11177507"]},{"_index":"complaint-public-v1","_id":"11170649","_score":20.570782,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, XXXX announced a significant data breach, compromising sensitive personal information of millions of XXXX consumers, including names, addresses, Social Security numbers, birthdates, and in some cases, drivers license numbers. As a result, my personal data may have been exposed to unauthorized parties. \n\nI would like to request that you review my credit report for any suspicious activity or accounts opened in my name due to the breach. I also request that any inaccurate information related to this incident be corrected, including fraudulent accounts, inquiries, or incorrect balances. Additionally, I am requesting that you provide a free copy of my updated credit report after the investigation. \n\nPlease confirm that you have received this request and provide me with an estimated timeline for the resolution of my dispute. If any fraudulent activity is detected, I also request that you place a fraud alert on my file to prevent further damage. \n\nThank you for your prompt attention to this matter. If you need any additional information or documentation from me, please do not hesitate to contact me at XXXX ands experians data breach","date_sent_to_company":"2024-12-16T04:25:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07047","tags":null,"has_narrative":true,"complaint_id":"11170649","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-16T04:25:06.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On XX/XX/year>, XXXX announced a significant data breach, compromising sensitive <em>personal</em> <em>information</em> of millions of XXXX consumers, including names, addresses, Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, and in some cases, drivers license <em>numbers</em>. As a result, my <em>personal</em> data may have been exposed to unauthorized parties. \n\nI would like to request that you review my credit report for any suspicious activity or accounts opened in my name due to the breach."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[20.570782,"11170649"]},{"_index":"complaint-public-v1","_id":"8156159","_score":20.507647,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX. In the period from XXXX to XXXX, my employer, XXXX, experienced two significant data breaches, exposing sensitive personal information, including Social Security numbers, addresses, birthdates, and account numbers. This breach resulted in multiple instances of personal loans being opened in my name. \n\nSpecifically, on XX/XX/XXXX, a loan in the amount of {$5000.00} was applied for with XXXX XXXX XXXX. Despite my attempts to dispute the account, XXXX maintains that their investigation supports the claim that it was indeed my account. I firmly believe that this loan was a result of identity theft, considering the widespread data breaches during the mentioned period. \n\nI am seeking the intervention of the CFPB to thoroughly investigate this matter and rectify the situation. The exposure of personal information due to XXXX 's data breaches has put me at risk of fraudulent activities, and XXXX 's refusal to acknowledge the possibility of identity theft is deeply concerning. \n\nI request that the CFPB investigates this case diligently, considering the broader context of the data breaches and the potential impact on affected individuals. Your assistance in resolving this matter and protecting consumers from the consequences of identity theft is greatly appreciated.","date_sent_to_company":"2024-01-14T06:19:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19143","tags":null,"has_narrative":true,"complaint_id":"8156159","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-14T06:19:15.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["In the period from XXXX to XXXX, my employer, XXXX, experienced two significant data breaches, exposing sensitive <em>personal</em> <em>information</em>, including Social <em>Security</em> <em>numbers</em>, addresses, <em>birthdates</em>, and account <em>numbers</em>. This breach resulted in multiple instances of <em>personal</em> loans being opened in my name. \n\nSpecifically, on XX/XX/XXXX, a loan in the amount of {$5000.00} was applied for with XXXX XXXX XXXX."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[20.507647,"8156159"]},{"_index":"complaint-public-v1","_id":"13320757","_score":20.1814,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to concerns regarding inaccurate and unverifiable information being reported by Experian. My personal information was compromised in the widely publicized Equifax data breach, which affected over XXXX XXXX individuals. This breach exposed sensitive data including names, Social Security numbers, birthdates, addresses, and in some cases, credit card and drivers license numbers. \n\nSince that breach, I have experienced repeated issues with unauthorized accounts, inaccurate items, and unverifiable negative tradelines being reported by Experian. Despite my formal disputes, Experian has failed to properly investigate or remove these items, in violation of XXXX guidelines. Given the known exposure of my information, it is unreasonable and negligent for Experian to continue reporting these entries without sufficient documentation or original validation. \n\nI am requesting that Experian : Immediately investigate and delete all unverifiable items, Provide full documentation of any validated tradelines, And comply with XXXX XXXX formatting standards during reinvestigation. \n\nFailure to take action perpetuates harm resulting from the Equifax breach and puts me at continued risk of identity theft and financial damage.","date_sent_to_company":"2025-05-03T11:04:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32210","tags":null,"has_narrative":true,"complaint_id":"13320757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-03T10:48:11.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing this complaint due to concerns regarding inaccurate and unverifiable <em>information</em> being reported by Experian. My <em>personal</em> <em>information</em> was compromised in the widely publicized Equifax data breach, which affected over XXXX XXXX individuals. This breach exposed sensitive data including names, Social <em>Security</em> <em>numbers</em>, <em>birthdates</em>, addresses, and in some cases, credit card and drivers license <em>numbers</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[20.1814,"13320757"]},{"_index":"complaint-public-v1","_id":"8156160","_score":20.052376,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Upstart Network Inc. In the period from XXXX XXXX XXXX my employer, XXXX, experienced two significant data breaches, exposing sensitive personal information, including Social Security numbers, addresses, birthdates, and account numbers. This breach resulted in multiple instances of personal loans being opened in my name. \n\nSpecifically, on XX/XX/XXXXXXXX XXXX a loan in the amount of {$5000.00} was applied for with Upstart Network Inc. Despite my attempts to dispute the account, Upstart  maintains that their investigation supports the claim that it was indeed my account. I firmly believe that this loan was a result of identity theft, considering the widespread data breaches during the mentioned period. \n\nI am seeking the intervention of the CFPB to thoroughly investigate this matter and rectify the situation. The exposure of personal information due to XXXX XXXX data breaches has put me at risk of fraudulent activities, and Upstart 's refusal to acknowledge the possibility of identity theft is deeply concerning. \n\nI request that the CFPB investigates this case diligently, considering the broader context of the data breaches and the potential impact on affected individuals. Your assistance in resolving this matter and protecting consumers from the consequences of identity theft is greatly appreciated.","date_sent_to_company":"2024-01-14T06:19:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19143","tags":null,"has_narrative":true,"complaint_id":"8156160","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2024-01-14T05:43:19.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["In the period from XXXX XXXX XXXX my employer, XXXX, experienced two significant data breaches, exposing sensitive <em>personal</em> <em>information</em>, including Social <em>Security</em> <em>numbers</em>, addresses, <em>birthdates</em>, and account <em>numbers</em>. This breach resulted in multiple instances of <em>personal</em> loans being opened in my name. \n\nSpecifically, on XX/XX/XXXXXXXX XXXX a loan in the amount of {$5000.00} was applied for with Upstart Network Inc."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[20.052376,"8156160"]},{"_index":"complaint-public-v1","_id":"3378723","_score":19.703224,"_source":{"product":"Debt collection","complaint_what_happened":"Rec 'd call from a Mr.XXXX twice now XXXX - approx 1 min. \nTuesday XX/XX/XXXX - XXXX - Asking me to verify my birthdate - I explained I don't give out personal information over the phone - contact me by email. Identified himself as Mr.XXXX ( sp? ) with Credit Corp Solutions. XXXX - 1 min. \nWednesday XX/XX/XXXX XXXX - Asked for my name/Acknowledged \" XXXX ''... once again identified himself with security services - asked me to verify my birthdate - told him yesterday I don't give out personal information over the phone - asked again who he was with - he said XXXX XXXX - I said don't call me again - I'll contact you. Again identified himself as Mr.XX/XX/XXXX with Credit Corp Solutions. \n\nAfter my call to XX/XX/XXXX ( they represent XX/XX/XXXXand recorded conversation ), they explained they would never contact me requesting this sort of information. I called to speak with the Fraud Dept. so they have record of this misrepresentation of their company and services by Credit Corp Solutions. \n\nI then researched and found this link, verifying there have been multiple violations by this company... and so, now I'm reporting it to you. \nXX/XX/XXXX I have since blocked those numbers on my cellphone. \nThanks for your assistance and your important work. \n\nBest Regards, XXXX.","date_sent_to_company":"2019-09-18T18:35:37.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"85044","tags":"Servicemember","has_narrative":true,"complaint_id":"3378723","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Corp Solutions Inc.","date_received":"2019-09-18T18:07:59.000Z","state":"AZ","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["Tuesday XX/XX/XXXX - XXXX - Asking me to verify my <em>birthdate</em> - I explained I don't give out <em>personal</em> <em>information</em> over the phone - contact me by email. Identified himself as Mr.XXXX ( sp? ) with Credit Corp Solutions. XXXX - 1 min."]},"sort":[19.703224,"3378723"]},{"_index":"complaint-public-v1","_id":"3392703","_score":19.42757,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received a prepaid XXXX card from Netspend ( XXXX XXXX ) in the amount of {$150.00} as a gift. I tried to activate the card online. The activation required much more information than I've ever provided before to activate any kind of prepaid card. The statement was that such information was required by federal law. \nAfter giving my name, address, phone number, and social security number on their website, the activation was not complete. The message said I needed to send a copy of my driver 's license to them or to call. Of the two numbers provided, neither was valid. \nI contacted XXXX, who then connected me with XXXX XXXX/Netspend. The agent of the company asked for my personal information again, this time adding that she wanted my birthdate. When I objected to providing so much information, she offered me an option of receiving a refund of {$150.00} by paper check mailed to my home. I agreed to the refund. \nThe reason for my complaint is that this company is requesting complete and unnecesary private information under false pretenses. I am concerned that they now have my personal information and could cause me harm by using that information fraudulently.","date_sent_to_company":"2019-10-01T19:49:18.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"27886","tags":null,"has_narrative":true,"complaint_id":"3392703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2019-10-01T19:21:25.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["I am concerned that they now have my <em>personal</em> <em>information</em> and could cause me harm by using that <em>information</em> fraudulently."]},"sort":[19.42757,"3392703"]},{"_index":"complaint-public-v1","_id":"9774146","_score":19.401155,"_source":{"product":"Debt collection","complaint_what_happened":"I keep getting phone calls at least 3-5 times a day from the same company, different phone numbers requesting that I pay a debt to this legal document services company. They have legal actions taken against me. They are going to take me to court. They have two different account numbers for me one is for {$2000.00}. The other is for {$3000.00} saying I owe money to Chase credit card services or their affiliates. I have called Chase. They have no account for me nor have they ever had an account for me or their affiliates, I have reported this to the credit bureau to keep a watch on my credit reports I will be reporting to all of my banks I have called the police. They have told me to call the ftc.gov and report this problem. There are several phone numbers that they are calling me from One phone number is XXXX another number XXXX another number XXXX another number XXXX next XXXX. They have two different account numbers on me, requesting {$2000.00} and {$3000.00} I have told them I am not paying anything. This is a scam. They know all of my personal information. They know my name, birthdate address, phone number and Social Security number about a year ago. XXXX XXXX did have a data breach sent me a letter so Im assuming they got this information from them I dont know.","date_sent_to_company":"2024-08-12T19:11:08.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"23601","tags":null,"has_narrative":true,"complaint_id":"9774146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-12T18:55:28.000Z","state":"VA","company_public_response":null,"sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["There are several phone <em>numbers</em> that they are calling me from One phone number is XXXX another number XXXX another number XXXX another number XXXX next XXXX. They have two different account <em>numbers</em> on me, requesting {$2000.00} and {$3000.00} I have told them I am not paying anything. This is a scam. They know all of my <em>personal</em> <em>information</em>. They know my name, <em>birthdate</em> address, phone number and Social <em>Security</em> number about a year ago."]},"sort":[19.401155,"9774146"]},{"_index":"complaint-public-v1","_id":"8462209","_score":19.21021,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The individual consumer Plaintiffs identified below ( collectively, Plaintiffs ), individually and on behalf of the Classes defined below of similarly situated persons, allege the following against XXXX Equifax XXXX, Equifax Information Services LLC XXXX XXXX ), and Equifax XXXX XXXX XXXX ( XXXX ) ( collectively, Equifax or Defendants ), based upon personal knowledge with respect to themselves and on information and belief derived from, among other things, investigation of counsel and review of public documents as to all other matters. INTRODUCTION XXXX. Equifax plays a central role in the modern American economy, collecting and selling vast amounts of data about the most important details of consumers financial lives. That datanames, birthdates, Social Security numbers, credit card information, drivers license numbers, and morecontains the keys that unlock a consumers identity and is relied upon by third-parties to make major financial decisions affecting almost all Americans. Equifax understood it had an enormous responsibility to protect the data it collected and assured the public that : At Equifax, the security of our customers information is paramount. But, as its former XXXX has acknowledged, Equifax has not lived up to that responsibility or fulfilled its public assurances to protect Americans confidential information. XXXX XXXX XXXX. The individual consumer plaintiffs identified below ( collectively, Plaintiffs ), individually and on behalf of the Classes defined below of similarly situated persons, allege the following against XXXX Equifax XXXX, Equifax Information Services LLC ( XXXX ), and Equifax XXXX XXXX XXXX ( XXXX ) ( collectively, Equifax or Defendants ), based upon personal knowledge with respect to themselves and on information and belief derived from, among other things, investigation of counsel and review of public documents as to all other matters. My Personal information have been compromised. Etc.","date_sent_to_company":"2024-03-02T19:28:25.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"32256","tags":null,"has_narrative":true,"complaint_id":"8462209","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-02T19:00:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["That datanames, <em>birthdates</em>, Social <em>Security</em> <em>numbers</em>, credit card <em>information</em>, drivers license <em>numbers</em>, and morecontains the keys that unlock a consumers identity and is relied upon by third-parties to make major financial decisions affecting almost all Americans. Equifax understood it had an enormous responsibility to protect the data it collected and assured the public that : At Equifax, the <em>security</em> of our customers <em>information</em> is paramount."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"sub_product":["Other <em>personal</em> consumer report"]},"sort":[19.21021,"8462209"]},{"_index":"complaint-public-v1","_id":"3365781","_score":18.84373,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax has my birth date incorrect. This has caused delays in processing my mortgage application, which has included personal time I had to take from work to provide additional paperwork to keep the mortgage process moving. \n\nI filed a dispute of the information online, including uploading a scan of my birth certificate!!! ( which made me uncomfortable ) pointing out the incorrect birthdate. In response to my dispute request, they simply provided me with a copy of my credit report, which still includes the incorrect birth date, and marked the dispute resolved. Nothing in the report indicated I had made a dispute, what that dispute was about, nor what the resolution was! \n\nI called them to ask why their resolution did not include any correction to my information, or even really any addressing of what I disputed at all, and they refused to help me with any issue unless I \" verified '' an unreasonable amount of personal information with a foreign ( non United States ) call center. I \" verified '' with them my address and my social security number, which is already more than enough for even an average person to verify somebody's birthdate, and is information I was already uncomfortable stating over the phone. I most emphatically will NOT verify Bank Account numbers and recent credit applications or purchases, nor will I mail in copies of enough personal information for somebody to completely steal my identity. They assured me that this was the \" only way '' they could possibly verify my identity. \n\nI told them I didn't even want any information from them, I simply wanted them to verify my birth date via their own means and correct it. They declined to do so unless I gave them the above stated unreasonable amount of personal information. I do NOT have a contract, neither implied nor explicit, with Equifax, and I do NOT trust them with my personal information ( nobody should after 2017 ).","date_sent_to_company":"2019-09-06T19:58:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46825","tags":null,"has_narrative":true,"complaint_id":"3365781","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-09-06T19:40:51.000Z","state":"IN","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I \" verified '' with them my address and my social <em>security</em> number, which is already more than enough for even an average person to verify somebody's <em>birthdate</em>, and is <em>information</em> I was already uncomfortable stating over the phone. I most emphatically will NOT verify Bank Account <em>numbers</em> and recent credit applications or purchases, nor will I mail in copies of enough <em>personal</em> <em>information</em> for somebody to completely steal my identity."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Personal</em> <em>information</em> incorrect"]},"sort":[18.84373,"3365781"]},{"_index":"complaint-public-v1","_id":"2228522","_score":18.792826,"_source":{"product":"Student loan","complaint_what_happened":"Starting in XXXX 2016 my husband and I have been receiving phone calls from XXXX, Capital Management Services wanting our social security numbers and birth dates. I asked them what this for, they said unpaid debt, and I told them my husband had a XXXX XXXX and has XXXX and to explain to me. I would not give them a ss number but did give a birthdate which was not his and told them to cease and desist. A supervisor told me they had the wrong party and they would comply. Now we are both getting these unrelenting calls again, days, nights, weekends several times a day. Now they say unless I give them ss numbers they will not stop. I said you have our address and to put this in writing. I ask where they are located to send a cease and desist and they will not give it to me. I am not releasing any personal information over the phone to Capital Management Services. I am assuming this is a college loan but I am really not sure what type of loan it is because they will not divulge any information to me regarding this collection. I ca n't describe my issue because I do n't really know what it is. Also, they do not have permission or authorization to use our cell phones. This is not our debt! They have the wrong people.","date_sent_to_company":"2016-11-30T14:32:28.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"14534","tags":null,"has_narrative":true,"complaint_id":"2228522","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Capital Management Services, LP","date_received":"2016-11-29T16:53:37.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Received bad information about my loan"},"highlight":{"complaint_what_happened":["Now they say unless I give them ss <em>numbers</em> they will not stop. I said you have our address and to put this in writing. I ask where they are located to send a cease and desist and they will not give it to me. I am not releasing any <em>personal</em> <em>information</em> over the phone to Capital Management Services. I am assuming this is a college loan but I am really not sure what type of loan it is because they will not divulge any <em>information</em> to me regarding this collection."],"sub_issue":["Received bad <em>information</em> about my loan"]},"sort":[18.792826,"2228522"]},{"_index":"complaint-public-v1","_id":"2662333","_score":18.564259,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax mishandled my personal information including Name, Social Security Number, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017. Equifax confirmed I was affected by this breach per their \" Potential Impact '' site www.equifaxsecurity2017. \n\nEquifax put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Equifax is further attempting to capitalize on its gross negligence by encouraging injured parties to register for \" trial periods '' of their ID protection services, defrauding these injured parties with hidden subscription fees that are imposed after the trial period expires, as well as with terms of service that waive customers ' rights to sue the company for criminal negligence/fraudulent behavior. \n\nI demand that Equifax rectify its gross negligence through the following actions : 1 ) Permanently waive all fees for placing and removing security freezes on credit reports.\n2 ) Issue full refunds to all individuals who purchased security freezes from credit reporting firms following this data breach.\n3 ) Permanently waive all fees for placing or removing fraud alerts on credit reports.\n4 ) Issue refunds to all individuals who purchased fraud alerts from credit reporting firms following this data breach.\n5 ) Enable individuals to place permanent fraud alerts on credit histories at no charge, instead of limiting fraud alerts to 7-year periods.\n6 ) Issue unique Personal Identification Numbers ( PINs ) to individuals who request security freezes on credit reports, instead issuing PINS that are actually easily replicated date stamps in the format of MMDDYYXXXX.","date_sent_to_company":"2017-09-09T22:17:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"02860","tags":null,"has_narrative":true,"complaint_id":"2662333","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T21:54:45.000Z","state":"RI","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Equifax mishandled my <em>personal</em> <em>information</em> including Name, Social <em>Security</em> Number, Address, <em>Birthdate</em>, etc. resulting in a data breach in XXXX/XXXX 2017. Equifax confirmed I was affected by this breach per their \" Potential Impact '' site www.equifaxsecurity2017. \n\nEquifax put myself and millions of others at risk of identity theft/fraud due to negligent <em>security</em> protocols in handling consumer <em>information</em>."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[18.564259,"2662333"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":102,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":102}]}},"product":{"doc_count":102,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":48,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":38},{"key":"Other personal consumer report","doc_count":10}]}},{"key":"Credit reporting, 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