{"took":179,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":8836,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2664915","_score":11.57007,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am among those that had their identity stolen due to equifax 's lax cyber security. I checked on the website they provided for this incident and I was listed among the potential victims. \nEven the website they provided for checking to see if my data had been compromised showed several signs of ignoring standard web security protocols. \nI fee that equifax is liable for this data breach because they did not even follow what would be considered standard security procedures.","date_sent_to_company":"2017-09-09T05:30:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28787","tags":null,"has_narrative":true,"complaint_id":"2664915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T01:20:48.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am among those that had their identity stolen due to equifax 's lax cyber <em>security</em>. I checked on the website they provided for this incident and I was listed among the potential victims. \nEven the website they provided for checking to see if my data had been compromised showed several signs of ignoring <em>standard</em> web <em>security</em> protocols. \nI fee that equifax is liable for this data breach because they did not even follow what would be considered <em>standard</em> <em>security</em> procedures."]},"sort":[11.57007,"2664915"]},{"_index":"complaint-public-v1","_id":"2664954","_score":11.314222,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax , Inc. maintained a very poor standard of web security that has resulted in my report and personal information ( name, Social Security number, birth date, address, credit card number, and drivers license number ) being hacked from their website ( I am listed as being affected by this hack on their website : https : //www.equifaxsecurity2017.com/potential-impact/ ). I am among over 100 million people who have been affected by this hack, resulting from improper and outdated security measures. A company that holds this kind of information should be held to a much higher standard of security.","date_sent_to_company":"2017-09-08T21:50:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"97214","tags":null,"has_narrative":true,"complaint_id":"2664954","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T21:40:03.000Z","state":"OR","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am among over 100 million people who have been affected by this hack, resulting from improper and outdated <em>security</em> measures. A company that holds this kind of information should be held to a much higher <em>standard</em> of <em>security</em>."]},"sort":[11.314222,"2664954"]},{"_index":"complaint-public-v1","_id":"2787549","_score":11.045643,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX XXXX XXXX XXXX has my Social Security Payment and Supplemental Security Income Payments. \n\nThe Social Security Administration located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX, XXXX, Georgia XXXX mails the Benefit Manager ( s ) multiple ACH checks for transfer to Government Debit Cards. \n\nThe transfers does not equal the standard Supplemental Security Income payment of {$730.00}. The transfers does not equal the standard benefit payment from retirement insurance or XXXX insurance either. \n\nThe Manager ( s ) has not transferred the amounts to the card in my possession. The card ending in XXXX. The back of the card has XXXX. It suggest to call XXXX International Calls. \n\nComplaint Area : ACH Check Replacement or ACH Check Refund","date_sent_to_company":"2018-01-26T16:54:52.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"30309","tags":null,"has_narrative":true,"complaint_id":"2787549","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Comerica","date_received":"2018-01-19T21:07:42.000Z","state":"GA","company_public_response":null,"sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX has my Social <em>Security</em> Payment and Supplemental <em>Security</em> Income Payments. \n\nThe Social <em>Security</em> Administration located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX, XXXX, Georgia XXXX mails the Benefit Manager ( s ) multiple ACH checks for transfer to Government Debit Cards. \n\nThe transfers does not equal the <em>standard</em> Supplemental <em>Security</em> Income payment of {$730.00}."]},"sort":[11.045643,"2787549"]},{"_index":"complaint-public-v1","_id":"13108526","_score":10.741777,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally raise a concern regarding a situation involving my former employer, Berkshire Bank, where I believe there may be a breach of proper security protocols and regulatory compliance standards. \n\nI was previously employed by Berkshire Bank and have since been formally terminated from my role as of XX/XX/year>. Despite my termination, I have been repeatedly contacted and asked to access or test features within the institutions online banking environment, specifically within their XXXX XXXX XXXX ( XXXX ) for security-related functionality. \n\nI believe this situation raises serious concerns, including but not limited to : Potential violation of internal and industry-standard information security practices Continued unauthorized access to sensitive systems post-termination Risk exposure to customer data or system integrity Lack of proper access revocation and system controls upon employee offboarding I respectfully request that the CFPB look into this matter to determine whether this institution is complying with appropriate consumer protection and cybersecurity standards. \n\nI am happy to provide any further details, documentation, or communication records related to this issue if needed. \n\nThank you for your time and attention.","date_sent_to_company":"2025-04-22T21:03:07.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"015XX","tags":null,"has_narrative":true,"complaint_id":"13108526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BEACON FINANCIAL CORPORATION","date_received":"2025-04-22T20:31:38.000Z","state":"MA","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":["and cybersecurity <em>standards</em>."]},"sort":[10.741777,"13108526"]},{"_index":"complaint-public-v1","_id":"7722600","_score":10.468431,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am trying to transfer my XXXX funds from Direct Express to my financial institution. Direct Express requires that you send your confidential information by standard unencrypted email. I asked if they would take a fax ( they said No - photo ID must be in XXXX ). I tried to send this info using secure email ( XXXX and XXXX Mail ) but they said if the information requires a passphrase or is not standard email attachment, then they will not process it. \nI sent the information on Monday XX/XX/XXXX. Their reply email says it will be processed in XXXX business hours. I called today and they said they could not process the faxes or the secure emails that I sent on Monday ( XXXX faxes and XXXX emails ) because I did not send the information as standard email attachments. They denied my request to ACH transfer my benefit funds to my bank. \n\nA banker friend helped me write the following : XX/XX/XXXX Dear Sirs : It has come to my attention that the service provider for the XXXX Direct Express MasterCard program may be exposing the confidential non-public information ( NPI ) ) of cardholders and government benefit recipients unnecessarily in violation of federal and state information security guidelines, regulations, statutes, and possibly XXXX PCI DSS standards. \n\nIt is unclear at this point who operates these cardholder services ; it may be Comerica Bank, N.A. or their money service business vendor, possibly i2c, Inc., or Conduent Corporation. The Direct Express program appears to be managed by the Fiscal Bureau of the Department of The Treasury. Comerica Bank is regulated by the Federal Reserve Bank of Dallas , Federal Deposit Insurance Corporation, and the Texas Department of Banking. Additionally, your organization, the Consumer Financial Protection Bureau, along with the Federal Trade Commission, MasterCard International, and Office of the Inspector General for the Department of the Treasury may have jurisdiction or oversight responsibilities depending on the specific operations of this program. \n\nMy concern is Direct Expresss method of communicating and exchanging information with consumers for facilitating transactions and authenticating its customers. The website http : //web.usdirectexpress.com/ does not provide for any means of contact other than by telephone. \n\nFor example, to initiate an ACH transfer from a cardholders account to a demand deposit account with another financial institution, the account holder is instructed to attach to a standard email, unredacted copies of the cardholders state photograph identification card ( such as a drivers license ) and a copy of their statement that includes their name, address, institution routing and account number information. The account information must include the full account number and routing number, unredacted. Direct Express prohibits this information from being faxed as their internal policies require a XXXX photo ID. They do not offer a secure portal for uploading information. My friend attempted to share information with them using an encryption service ( like XXXX, XXXX, etc. ) and they stated that if a password was required to access the file, then it would not be processed. Only standard email attachments are acceptable. They document some of their policies on their website at XXXX XXXX XXXX. \n\nTheir website is cobranded with Comerica and their terms of use and privacy policy reference Comerica Banks policies ( XXXX XXXX XXXX XXXX XXXX XXXX ). \n\nFederal laws, regulations, and standards would appear to prohibit a financial institution from requiring consumers to send non-public information like their state issued photo ID card and financial institutional account information by standard unencrypted email. In fact, Comerica Banks consumer E-Mail Practices page ( XXXX XXXX XXXX ) states that \" Comerica is committed to safeguarding the privacy of your personal information. Comerica will never request personal information ( e.g., Social Security number, account numbers, user IDs or passwords ) via e-mail. '' It would seem that financial institutions and their service providers are required to safeguard customer information, limit access & usage of customer information, and develop policies and procedures to safeguard such information ( Section 501 ( b ) of the Gramm Leach Bliley Act, also known as the Financial Services Modernization Act of 1999 ( P.L. 106-102, 113 Stat.1338 and codified as 15 USC 6801 ( b ) ) ).\n\nSeveral regulatory agencies have promulgated information security regulations, and the Federal Financial Institutions Examination Council has published interagency guidelines for information security standards. Applicable federal guidelines that may apply include the FFIECs Interagency Guidelines Establishing Information Security Standards, 16 CFR 314 ( Federal Trade Commission ), 12 CFR 208.61 and Appendices D-1 & D-2 to Part 208, as supplemented ( FRS ). 12 CFR 1016 ( CFPB ), and Parts 364 & 332 of CFR Title 12 ( FDIC ). \n\nAdditionally, XXXX requires its merchants and service providers to safeguard cardholder confidential information and comply with Payment Card Industry Data Security Standards. These standards may include requirements to protect cardholder data with strong cryptography during transmission over open public networks as well as develop organizational policies and programs supporting cardholder information security. They may also restrict access to cardholder confidential non-public information on a need-to-know basis. Open unencrypted email sent to a general email address would not appear to limit access to such information on such a basis. \n\nTexas banking and business laws require businesses to protect against data breaches via electronic information systems and financial institutions to adhere with federal information security standards. \n\nI believe that it would be in the best interest of federal benefit recipients and Direct Express consumers if this program either allowed consumers to upload confidential information through a secure site or developed an encrypted email system that would allow cardholders to securely share their XXXX information with Direct Express.","date_sent_to_company":"2023-10-25T16:02:19.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"76133","tags":"Servicemember","has_narrative":true,"complaint_id":"7722600","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Comerica","date_received":"2023-10-18T15:35:34.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Several regulatory agencies have promulgated information <em>security</em> regulations, and the Federal Financial Institutions Examination Council has published interagency guidelines for information <em>security</em> <em>standards</em>."]},"sort":[10.468431,"7722600"]},{"_index":"complaint-public-v1","_id":"2921699","_score":10.428123,"_source":{"product":"Checking or savings account","complaint_what_happened":"I recently opened an XXXX Invest account and I want to link my Capital One checking account for the purposes of funding the investment account. After talking to Capital One support they confirmed that they are currently blocking the connection due to security, even though XXXX likely maintains equal, if not greater security standards than Capital One.","date_sent_to_company":"2018-05-30T20:11:04.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94609","tags":null,"has_narrative":true,"complaint_id":"2921699","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-05-30T20:00:13.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["After talking to Capital One support they confirmed that they are currently blocking the connection due to <em>security</em>, even though XXXX likely maintains equal, if not greater <em>security</em> <em>standards</em> than Capital One."]},"sort":[10.428123,"2921699"]},{"_index":"complaint-public-v1","_id":"2660686","_score":10.371969,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax improperly divulged my information without my consent. I 'm shocked that their security systems were so inadequate, and that considering how highly valuable this information is, they do not employ standard techniques such as two-factor authentication. In my opinion this breach shows how little they value the security and privacy of US citizens, and they should be reprimanded appropriately.","date_sent_to_company":"2017-09-09T08:41:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"98102","tags":null,"has_narrative":true,"complaint_id":"2660686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T08:25:39.000Z","state":"WA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I 'm shocked that their <em>security</em> systems were so inadequate, and that considering how highly valuable this information is, they do not employ <em>standard</em> techniques such as two-factor authentication. In my opinion this breach shows how little they value the <em>security</em> and privacy of US citizens, and they should be reprimanded appropriately."]},"sort":[10.371969,"2660686"]},{"_index":"complaint-public-v1","_id":"2671013","_score":10.322252,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have XXXX ( XXXX ) tax liens listed on my credit file ( XXXX ) with XXXX and Equifax that DO NOT MEET the Enhanced Phase XXXX ( PII ) Personally Identifiable Information standards for XXXX XXXX XXXX. These PII standards as outlined by XXXX and available publicly on the CRA 's websites, specifically XXXX XXXX own site states that XXXX XXXX MUST Include : Full Name, Address, Social Security Number and/or Date of Birth. I have filed disputes with both XXXX XXXX Equifax and included documentation showing that these tax liens do not meet the PII standards and must be removed immediately from my files with them. The disputes came back as \" XXXX ''??? The \" Official '' Copies of the tax liens : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL SECURITY NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH. Since the records DO NOT PROVIDE THIS DATA they must be removed from my credit file ( XXXX ) with XXXX and Equifax.","date_sent_to_company":"2017-09-12T22:51:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28451","tags":null,"has_narrative":true,"complaint_id":"2671013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-12T22:51:27.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have XXXX ( XXXX ) tax liens listed on my credit file ( XXXX ) with XXXX and Equifax that DO NOT MEET the Enhanced Phase XXXX ( PII ) Personally Identifiable Information <em>standards</em> for XXXX XXXX XXXX. These PII <em>standards</em> as outlined by XXXX and available publicly on the CRA 's websites, specifically XXXX XXXX own site states that XXXX XXXX MUST Include : Full Name, Address, Social <em>Security</em> Number and/or Date of Birth."]},"sort":[10.322252,"2671013"]},{"_index":"complaint-public-v1","_id":"2665048","_score":10.301891,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX 2017 My credit history was involved in the recent Equifax Security Breach. The potential impact of identity theft and duration of impact is unknown at this time. Services which we do not have a choice of being involved with should be held to high security standards.\nThe company waited over a month before informing consumers, and their \" help '' website is not secure either.","date_sent_to_company":"2017-09-08T23:06:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"128XX","tags":null,"has_narrative":true,"complaint_id":"2665048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T22:49:52.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX 2017 My credit history was involved in the recent Equifax <em>Security</em> Breach. The potential impact of identity theft and duration of impact is unknown at this time. Services which we do not have a choice of being involved with should be held to high <em>security</em> <em>standards</em>.\nThe company waited over a month before informing consumers, and their \" help '' website is not secure either."]},"sort":[10.301891,"2665048"]},{"_index":"complaint-public-v1","_id":"14245430","_score":10.299312,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax 's website login is consistently down in order to freeze or unfreeze credit. Over the last few months the website consistently gives me an error and requires I call customer care at XXXX number to get it resolved. When I call the number I get a busy phone center where the employee asks for my full social security number verbally over an entirely unsecure line. If I do not give her my full SSN, phone number, address, email, and verbally verify credit history access to my account is withheld. \n\nWe need mandatory usability standards for security tools like credit freezes. We need to ban on requiring SSNs over the phone. I should have the right to opt out of data brokerage entirely. There should be strong penalties for poor user experience or access restrictions. We deserve access to public credit registry alternatives. \n\nEquifax is holding my credit hostage. While also disregarding basic security standards to keep my data safe.","date_sent_to_company":"2025-06-23T16:21:02.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"55406","tags":null,"has_narrative":true,"complaint_id":"14245430","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-23T16:11:29.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["While also disregarding basic <em>security</em> <em>standards</em> to keep my data safe."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[10.299312,"14245430"]},{"_index":"complaint-public-v1","_id":"9245202","_score":10.224108,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX my account was restricted due to standard security checks XX/XX/XXXX my account was unlocked I deposited money attempted to use mine card for the account and a restriction was placed back on I'll call to try to find out what was going on and again it was told that it was standard security measures on the XXXX my account was unlocked on the XXXX of XXXX my account was locked again on the XXXX of XXXX it was unlocked and now again also on the XXXX of XXXX it is locked again when I call they say it's another department or it's just security doing a security check I said XXXX times and XXXX  days I deposit money that's something to use my car and my account is locked XXXX somebody's going to reach out to you and let you know there's only XXXX person who did in his name is XXXX XXXX but they say that somebody's going to reach out to me ain't nobody reached out to me first they said XXXX hours then they said XXXX so I don't even know how long it's supposed to normally take but from looking at the XXXX reviews I'm not the only XXXX","date_sent_to_company":"2024-06-12T18:14:03.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78254","tags":"Servicemember","has_narrative":true,"complaint_id":"9245202","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Skrill USA, Inc.","date_received":"2024-06-12T17:53:25.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["XX/XX/XXXX my account was restricted due to <em>standard</em> <em>security</em> checks XX/XX/XXXX my account was unlocked I deposited money attempted to use mine card for the account and a restriction was placed back on I'll call to try to find out what was going on and again it was told that it was <em>standard</em> <em>security</em> measures on the XXXX my account was unlocked on the XXXX of XXXX my account was locked again on the XXXX of XXXX it was unlocked and now again also on the XXXX of XXXX it is locked again when I call they"]},"sort":[10.224108,"9245202"]},{"_index":"complaint-public-v1","_id":"3011274","_score":10.215553,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I use XXXX XXXX from XXXX as a local money transfer with my peers and my bank, Capital One. I recently noticed that i am unable to \" Cash out '' money from XXXX to capital one yet until Monday, XX/XX/2018, this wasn't an issue and to my surprise, it just stopped working. \nConsequently, Capital one has charged me for non sufficient funds in my bank account since automatic bills can't be paid. \nInstead of addressing the issue, both XXXX and Capital One recommended that I should attach to another bank but I do not have another bank. \n\nPer Capital One, the bank no longer supports XXXX XXXX, and according to the Bank, its because XXXX XXXX is not security compliant with the Bank 's standards. In my opinion, XXXX as a third party provider would have received a notification from the Bank about the security updates that was about to occur. And according to various standards such as XXXX XXXX, XXXX XXXX, XXXX and many others, both XXXX XXXX and Capital One have the obligation to notify the consumer that the app will no longer be supported due to non compliance in security ( which is a big issue ). I know this because I work in IT Security. \n\nNeither XXXX or Capital One has notified me of any changes ; XXXX  XXXX failed the testing from Capital One and refuse to take responsibility of this situation and it is left to me to deal with unwarranted fees. Consequently, those payments are being rejected and I am being charged late fees from all my service providers. \n\nI am a victim here because theirr operations do not follow industry 's standards and best practices and I would like a resolution to this issue.","date_sent_to_company":"2018-09-05T21:15:42.000Z","issue":"Confusing or missing disclosures","sub_product":"Domestic (US) money transfer","zip_code":"20904","tags":null,"has_narrative":true,"complaint_id":"3011274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-09-05T20:59:14.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Per Capital One, the bank no longer supports XXXX XXXX, and according to the Bank, its because XXXX XXXX is not <em>security</em> compliant with the Bank 's <em>standards</em>. In my opinion, XXXX as a third party provider would have received a notification from the Bank about the <em>security</em> updates that was about to occur."]},"sort":[10.215553,"3011274"]},{"_index":"complaint-public-v1","_id":"2671012","_score":10.199001,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have two ( 2 ) tax liens listed on my credit file ( s ) with TransUnion and XXXX that DO NOT MEET the Enhanced Phase 2 ( PII ) Personally Identifiable Information standards for Public Records Reporting. These PII standards as outlined by NCAP and available publicly on the CRA 's websites, specifically TransUnion 's own site states that Public Records MUST Include : Full Name, Address, Social Security Number and/or Date of Birth. I have filed disputes with both TransUnion & XXXX and included documentation showing that these tax liens do not meet the PII standards and must be removed immediately from my files with them. The disputes came back as \" Verified ''??? The \" Official '' Copies of the tax liens : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL SECURITY NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH. Since the records DO NOT PROVIDE THIS DATA they must be removed from my credit file ( s ) with TransUnion and XXXX.","date_sent_to_company":"2017-09-12T22:51:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28451","tags":null,"has_narrative":true,"complaint_id":"2671012","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-09-12T22:08:00.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have two ( 2 ) tax liens listed on my credit file ( s ) with TransUnion and XXXX that DO NOT MEET the Enhanced Phase 2 ( PII ) Personally Identifiable Information <em>standards</em> for Public Records Reporting. These PII <em>standards</em> as outlined by NCAP and available publicly on the CRA 's websites, specifically TransUnion 's own site states that Public Records MUST Include : Full Name, Address, Social <em>Security</em> Number and/or Date of Birth."]},"sort":[10.199001,"2671012"]},{"_index":"complaint-public-v1","_id":"2676040","_score":10.168322,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Compnany Equifax was negligent in his handling and security of critical financial data, leading to compromise that will likely affect nearly all adult Americans for the duration of their life or until current credit standards are changed.","date_sent_to_company":"2017-09-16T20:23:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48105","tags":null,"has_narrative":true,"complaint_id":"2676040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-16T20:14:30.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Compnany Equifax was negligent in his handling and <em>security</em> of critical financial data, leading to compromise that will likely affect nearly all adult Americans for the duration of their life or until current credit <em>standards</em> are changed."]},"sort":[10.168322,"2676040"]},{"_index":"complaint-public-v1","_id":"1480906","_score":10.153601,"_source":{"product":"Mortgage","complaint_what_happened":"My husband and I recently refinanced with LoanDepot. I went to set up an account tonight for our mortgage online at their servicing website https : //loandepot.loanadministration.com/ and am not at all confident in their security practices. For example, they do not allow special characters in passwords, which is a standard security practice. Were this for any other financial product, I 'd \" vote with my feet '' and take my business elsewhere, but I feel stuck with their inadequate web security practices, since they own my loan.","date_sent_to_company":"2015-07-22T00:43:53.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"20002","tags":null,"has_narrative":true,"complaint_id":"1480906","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LD Holdings Group, LLC","date_received":"2015-07-22T00:43:52.000Z","state":"DC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I went to set up an account tonight for our mortgage online at their servicing website https : //loandepot.loanadministration.com/ and am not at all confident in their <em>security</em> practices. For example, they do not allow special characters in passwords, which is a <em>standard</em> <em>security</em> practice. Were this for any other financial product, I 'd \" vote with my feet '' and take my business elsewhere, but I feel stuck with their inadequate web <em>security</em> practices, since they own my loan."]},"sort":[10.153601,"1480906"]},{"_index":"complaint-public-v1","_id":"15158484","_score":10.12447,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting immediate corrective action against XXXX XXXX XXXX, XXXX, XXXX, for engaging in unfair, unsafe, and unlawful practices in the handling of consumer file disclosures and security freezes. \n\nXXXX XXXX XXXX, XXXX, XXXX, requires consumers to send highly sensitive identifiers including a government-issued ID, proof of address, date of birth, and in many cases a full Social Security number by physical postal mail in order to process security freezes, disputes, or file disclosures. \n\nThis practice is : Inconsistent with FCRA 609 ( a ) Right to obtain file disclosures in a clear and accurate manner. \n\n611 ( a ) Right to dispute and have a reasonable reinvestigation.\n\n610 ( a ) Obligation to provide clear and reasonable means of dispute. \nThe forced use of physical mail is not a reasonable means when secure, encrypted, electronic submission is possible and standard in the industry. \n\nContrary to GLBA Privacy Obligations Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) mandates the safeguarding of consumers personal information. \n\nForcing sensitive identifiers into physical mail a method known to be vulnerable to loss, theft, or interception fails to meet reasonable security standards. \n\nCreates a Foreseeable Risk of Identity Theft Postal mail is not encrypted and passes through multiple hands. \n\nIf lost, stolen, or misplaced by the recipient, the consumer is at immediate risk of identity theft, financial fraud, and privacy violations.","date_sent_to_company":"2025-08-09T01:24:37.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"84020","tags":null,"has_narrative":true,"complaint_id":"15158484","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-09T01:08:08.000Z","state":"UT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The forced use of physical mail is not a reasonable means when secure, encrypted, electronic submission is possible and <em>standard</em> in the industry. \n\nContrary to GLBA Privacy Obligations Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) mandates the safeguarding of consumers personal information. \n\nForcing sensitive identifiers into physical mail a method known to be vulnerable to loss, theft, or interception fails to meet reasonable <em>security</em> <em>standards</em>."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[10.12447,"15158484"]},{"_index":"complaint-public-v1","_id":"15188673","_score":10.120135,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting immediate corrective action against Microbilt, for engaging in unfair, unsafe, and unlawful practices in the handling of consumer file disclosures and security freezes.\n\nMicrobilt requires consumers to send highly sensitive identifiers including a government-issued ID, proof of address, date of birth, and in many cases a full Social Security number by physical postal mail in order to process security freezes, disputes, or file disclosures.\n\nThis practice is : Inconsistent with FCRA 609 ( a ) Right to obtain file disclosures in a clear and accurate manner.\n\n611 ( a ) Right to dispute and have a reasonable reinvestigation.\n\n610 ( a ) Obligation to provide clear and reasonable means of dispute.\n\nThe forced use of physical mail is not a reasonable means when secure, encrypted, electronic submission is possible and standard in the industry.\n\nContrary to GLBA Privacy Obligations Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) mandates the safeguarding of consumers personal information.\n\nForcing sensitive identifiers into physical mail a method known to be vulnerable to loss, theft, or interception fails to meet reasonable security standards.\n\nCreates a Foreseeable Risk of Identity Theft Postal mail is not encrypted and passes through multiple hands.\n\nIf lost, stolen, or misplaced by the recipient, the consumer is at immediate risk of identity theft, financial fraud, and privacy violations.","date_sent_to_company":"2025-08-09T15:47:22.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"84020","tags":null,"has_narrative":true,"complaint_id":"15188673","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MicroBilt / PRBC (formerly CL Verify)","date_received":"2025-08-09T15:40:31.000Z","state":"UT","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":["The forced use of physical mail is not a reasonable means when secure, encrypted, electronic submission is possible and <em>standard</em> in the industry.\n\nContrary to GLBA Privacy Obligations Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) mandates the safeguarding of consumers personal information.\n\nForcing sensitive identifiers into physical mail a method known to be vulnerable to loss, theft, or interception fails to meet reasonable <em>security</em> <em>standards</em>."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[10.120135,"15188673"]},{"_index":"complaint-public-v1","_id":"5326573","_score":10.118486,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The GoodYear Credit card from Citi fails to secure customers ' online account security and privacy. It did not implement 2 step/factor authentication, and therefore the site is vulnerable to unauthorized access. My repeated secure messages requesting implementation of XXXX have been neglected and appeared to have refused. Only standard XXXX  responses have been to call, as if that is holding off the security status of the online account.","date_sent_to_company":"2022-03-16T04:57:29.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"44120","tags":null,"has_narrative":true,"complaint_id":"5326573","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-03-16T00:46:57.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The GoodYear Credit card from Citi fails to secure customers ' online account <em>security</em> and privacy. It did not implement 2 step/factor authentication, and therefore the site is vulnerable to unauthorized access. My repeated secure messages requesting implementation of XXXX have been neglected and appeared to have refused. Only <em>standard</em> XXXX  responses have been to call, as if that is holding off the <em>security</em> status of the online account."]},"sort":[10.118486,"5326573"]},{"_index":"complaint-public-v1","_id":"15159820","_score":10.103248,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting immediate corrective action against XXXX XXXX XXXX, XXXX, XXXX, for engaging in unfair, unsafe, and unlawful practices in the handling of consumer file disclosures and security freezes. \n\nXXXX XXXX XXXX, XXXX, XXXX, requires consumers to send highly sensitive identifiers including a government-issued ID, proof of address, date of birth, and in many cases a full Social Security number by physical postal mail in order to process security freezes, disputes, or file disclosures. \n\nThis practice is : Inconsistent with FCRA 609 ( a ) Right to obtain file disclosures in a clear and accurate manner. \n\n611 ( a ) Right to dispute and have a reasonable reinvestigation.\n\n610 ( a ) Obligation to provide clear and reasonable means of dispute. \nThe forced use of physical mail is not a reasonable means when secure, encrypted, electronic submission is possible and standard in the industry. \n\nContrary to GLBA Privacy Obligations Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) mandates the safeguarding of consumers personal information. \n\nForcing sensitive identifiers into physical mail a method known to be vulnerable to loss, theft, or interception fails to meet reasonable security standards. \n\nCreates a Foreseeable Risk of Identity Theft Postal mail is not encrypted and passes through multiple hands. \n\nIf lost, stolen, or misplaced by the recipient, the consumer is at immediate risk of identity theft, financial fraud, and privacy violations.","date_sent_to_company":"2025-08-09T01:24:37.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"84020","tags":null,"has_narrative":true,"complaint_id":"15159820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2025-08-09T01:24:10.000Z","state":"UT","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":["The forced use of physical mail is not a reasonable means when secure, encrypted, electronic submission is possible and <em>standard</em> in the industry. \n\nContrary to GLBA Privacy Obligations Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) mandates the safeguarding of consumers personal information. \n\nForcing sensitive identifiers into physical mail a method known to be vulnerable to loss, theft, or interception fails to meet reasonable <em>security</em> <em>standards</em>."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[10.103248,"15159820"]},{"_index":"complaint-public-v1","_id":"15158524","_score":10.103248,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting immediate corrective action against XXXX XXXX XXXX, XXXX, XXXX, for engaging in unfair, unsafe, and unlawful practices in the handling of consumer file disclosures and security freezes. \n\nXXXX XXXX XXXX, XXXX, XXXX, requires consumers to send highly sensitive identifiers including a government-issued ID, proof of address, date of birth, and in many cases a full Social Security number by physical postal mail in order to process security freezes, disputes, or file disclosures. \n\nThis practice is : Inconsistent with FCRA 609 ( a ) Right to obtain file disclosures in a clear and accurate manner. \n\n611 ( a ) Right to dispute and have a reasonable reinvestigation.\n\n610 ( a ) Obligation to provide clear and reasonable means of dispute. \nThe forced use of physical mail is not a reasonable means when secure, encrypted, electronic submission is possible and standard in the industry. \n\nContrary to GLBA Privacy Obligations Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) mandates the safeguarding of consumers personal information. \n\nForcing sensitive identifiers into physical mail a method known to be vulnerable to loss, theft, or interception fails to meet reasonable security standards. \n\nCreates a Foreseeable Risk of Identity Theft Postal mail is not encrypted and passes through multiple hands. \n\nIf lost, stolen, or misplaced by the recipient, the consumer is at immediate risk of identity theft, financial fraud, and privacy violations.","date_sent_to_company":"2025-08-09T01:24:37.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"84020","tags":null,"has_narrative":true,"complaint_id":"15158524","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-09T01:24:10.000Z","state":"UT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The forced use of physical mail is not a reasonable means when secure, encrypted, electronic submission is possible and <em>standard</em> in the industry. \n\nContrary to GLBA Privacy Obligations Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) mandates the safeguarding of consumers personal information. \n\nForcing sensitive identifiers into physical mail a method known to be vulnerable to loss, theft, or interception fails to meet reasonable <em>security</em> <em>standards</em>."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[10.103248,"15158524"]},{"_index":"complaint-public-v1","_id":"11186920","_score":10.091736,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally file a complaint against JPMorgan Chase Bank for a series of alarming security failures that resulted in unauthorized withdrawals totaling almost {$17000.00} from my accounts, including one connected to my XXXX daughter. These events began on XX/XX/year>, and have exposed critical gaps in Chase Banks security protocols and verification measures. \n\nTimeline of Events and Security Failures : 1. Compromised ATM and Skimming Incident : On XX/XX/year>, I withdrew money from a non-Chase ATM. Unbeknownst to me at the time, the ATM had been compromised by a skimming device, capturing my debit card information and PIN. \nXXXX. Unauthorized Card Cancellation and Replacement : On XX/XX/year>, an imposter contacted Chase customer service, successfully canceled my debit card, and requested a replacement card to be sent to an unauthorized address. The following security failures enabled this breach : o When asked for a phone number to receive a security code, Chase allowed the imposter to dictate a phone number under their control. This bypassed the standard two-factor authentication process, which should have required the code to be sent to the verified phone number on file ( mine ). \no The imposter provided a new address over the phone for the replacement card, which Chase accepted without additional verification. \nXXXX. Fraudulent Transactions and Withdrawals : With the replacement card in their possession on XX/XX/year> & XX/XX/year>, the imposter coordinated 42 unauthorized transactions, including : o 6 ATM withdrawals using the stolen PIN.\n\no In-branch withdrawals from various Chase branches, including my own daughters account.\n\no The total stolen amount reached {$17000.00} 4. Concerning In-Branch Withdrawal Policy : Upon speaking with a Chase branch manager, I was informed that as long as someone possesses the physical debit card and PIN, they are not required to present identification for withdrawals at a teller. This policy is deeply troubling as it disregards basic industry-standard security practices and facilitates fraudulent activity. \nChases Failure to Respond and Uphold Security Standards : Currently, Chase Bank has denied my claims for all fraudulent ATM withdrawals and debit transactions. Furthermore, I have received no response regarding the in-branch withdrawals performed by an imposter at a Chase location. This lack of accountability reflects a systemic failure to safeguard my financial information and prevent unauthorized access. \nViolations and Consequences : Chase Banks failure to protect my account can be characterized as : A breach of fiduciary duty to protect its customers financial assets. \nA violation of privacy rights and security protocols. \nA failure to comply with standard verification and fraud prevention measures. \n\nThese failures have caused significant financial harm and stress for me and my family. Allowing such lapses exposes Chase to potential regulatory and legal consequences, as this situation reflects gross negligence and noncompliance with federal banking standards. \n\nRequested Action : I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and hold Chase Bank accountable for the following : 1. Reimbursement of all unauthorized withdrawals totaling {$17000.00} 2. A comprehensive review of Chases security and verification protocols to ensure this does not happen to other customers.\n\n3. A clear explanation from Chase regarding their failure to detect and prevent this fraudulent activity.\n\n4. \nI trust that the Consumer Financial Protection Bureau will take this matter seriously and advocate for stronger protections for consumers. Please let me know if you require any additional information or supporting documentation to move forward with this complaint. \nThank you for your time and attention to this matter. I look forward to your response and resolution. \n\n***CHASE BANK , PLEASE REVIEW THE AUDIO FILE, TRANSCRIPTS, AND VIDEO FOOTAGE TO CLEAR ME THAT I DID NOT COMMIT THIS CRIME*** Sincerely, XXXX XXXX","date_sent_to_company":"2024-12-17T13:13:27.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60613","tags":null,"has_narrative":true,"complaint_id":"11186920","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-17T12:51:32.000Z","state":"IL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["This policy is deeply troubling as it disregards basic industry-<em>standard</em> <em>security</em> practices and facilitates fraudulent activity. \nChases Failure to Respond and Uphold <em>Security</em> <em>Standards</em> : Currently, Chase Bank has denied my claims for all fraudulent ATM withdrawals and debit transactions. Furthermore, I have received no response regarding the in-branch withdrawals performed by an imposter at a Chase location."]},"sort":[10.091736,"11186920"]},{"_index":"complaint-public-v1","_id":"3273859","_score":10.077053,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I just received an e-mail from myEquifax telling me that they have a new way for us to monitor our security freezes. They are basically forcing us to enroll in this or risk our information being used against us AGAIN due to their very lax \" security standards ''. This is very wrong and will lead in nothing but trouble. Why can't you protect us from these idiots?","date_sent_to_company":"2019-06-13T16:12:17.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"15044","tags":null,"has_narrative":true,"complaint_id":"3273859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-13T16:01:56.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I just received an e-mail from myEquifax telling me that they have a new way for us to monitor our <em>security</em> freezes. They are basically forcing us to enroll in this or risk our information being used against us AGAIN due to their very lax \" <em>security</em> <em>standards</em> ''. This is very wrong and will lead in nothing but trouble. Why can't you protect us from these idiots?"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[10.077053,"3273859"]},{"_index":"complaint-public-v1","_id":"2664619","_score":10.0476885,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My personal information was lost as part of the Equifax breech. The company 's handling of this issue, from the lack of adequate security standards, to an unacceptably long time before notifying us of the breech ; was totally unacceptable.","date_sent_to_company":"2017-09-08T17:16:28.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63116","tags":null,"has_narrative":true,"complaint_id":"2664619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T17:04:13.000Z","state":"MO","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["The company 's handling of this issue, from the lack of adequate <em>security</em> <em>standards</em>, to an unacceptably long time before notifying us of the breech ; was totally unacceptable."]},"sort":[10.0476885,"2664619"]},{"_index":"complaint-public-v1","_id":"2738992","_score":10.0076685,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I disputed Tax Liens with XXXX and Equifax that do not meet the XXXX reporting standards, as these liens have redacted my social security number and do not show my date of birth ( see attached )","date_sent_to_company":"2017-11-27T21:19:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90069","tags":null,"has_narrative":true,"complaint_id":"2738992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-11-27T21:19:11.000Z","state":"CA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I disputed Tax Liens with XXXX and Equifax that do not meet the XXXX reporting <em>standards</em>, as these liens have redacted my social <em>security</em> number and do not show my date of birth ( see attached )"]},"sort":[10.0076685,"2738992"]},{"_index":"complaint-public-v1","_id":"2738957","_score":10.0076685,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I disputed Tax Liens with Transunion and XXXX that do not meet the XXXX reporting standards, as these liens have redacted my social security number and do not show my date of birth ( see attached )","date_sent_to_company":"2017-11-27T21:19:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90069","tags":null,"has_narrative":true,"complaint_id":"2738957","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-11-27T20:53:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I disputed Tax Liens with Transunion and XXXX that do not meet the XXXX reporting <em>standards</em>, as these liens have redacted my social <em>security</em> number and do not show my date of birth ( see attached )"]},"sort":[10.0076685,"2738957"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":8836,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":8836}]}},"product":{"doc_count":8836,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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