{"took":398,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":460042,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"22328933","_score":25.93451,"_source":{"product":"Student loan","complaint_what_happened":"I enrolled in a cybersecurity boot camp program associated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) after being told that the program would prepare me for a successful career in cybersecurity and lead to high-paying job opportunities. During enrollment, the program was marketed as a pathway into the cybersecurity industry, with claims that graduates could obtain entry-level cybersecurity jobs with salaries close to or exceeding {$100000.00} per year. \n\nBased on those representations, I agreed to take out student loans to attend the program. I believed the program would provide the necessary education, skills, and opportunities to begin a cybersecurity career shortly after completion. \n\nAfter completing the program, I discovered that the program was not degree-seeking and that the coursework and credits were not transferable toward a college degree. I also learned that the expectations presented during enrollment were unrealistic. I currently work as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and through my real-world experience, I now understand that it would have been impossible to gain the level of advanced cybersecurity skills and experience necessary for many of the jobs discussed during enrollment within the short timeframe of the program. \n\nAlthough I earned cybersecurity certifications, I have still been denied cybersecurity positions because employers require actual hands-on industry experience in the field. This was not properly explained during enrollment. The program created the impression that completing the boot camp alone would make graduates highly competitive for cybersecurity roles, when in reality, experience requirements are a major barrier to entering the field. \n\nI reached out to request information and options regarding my student loans because I believe the program was misleading in the way it represented career outcomes, salary expectations, transferability of credits, and job readiness. I requested information about possible loan cancellation, discharge, or borrower protection options related to the representations made during enrollment. \n\nI am currently attending XXXX XXXXXXXX XXXX pursuing my XXXX XXXX degree through XXXX XXXX and I am not using private student loans for my current education. My current educational and professional experience has made the differences in transparency, academic value, and realistic career preparation much clearer to me, which further confirmed my concerns regarding the prior program.","date_sent_to_company":"2026-05-19T01:46:36.000Z","issue":"Getting a loan","sub_product":"Private student loan","zip_code":"89156","tags":null,"has_narrative":true,"complaint_id":"22328933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2026-05-19T01:27:18.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"High pressure sales tactics or recruiting"},"highlight":{"complaint_what_happened":["I currently work as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and <em>through</em> my <em>real-world</em> experience, I now understand that it would have been impossible to gain the level of advanced <em>cybersecurity</em> skills and experience necessary for many of the jobs discussed during enrollment within the short timeframe of the program. \n\nAlthough I earned <em>cybersecurity</em> certifications, I have still been denied <em>cybersecurity</em> positions because employers require actual hands-on industry experience in the field."]},"sort":[25.93451,"22328933"]},{"_index":"complaint-public-v1","_id":"2667628","_score":21.58519,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am included in the list of potential victims of the 2017 Equifax cybersecurity incident, which means intruders may have accessed my name, Social Security number, birth date, address, driver 's license numbers, and credit card numbers. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XXXX 2017 through XXXX 2017.","date_sent_to_company":"2017-09-08T21:07:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10027","tags":"Servicemember","has_narrative":true,"complaint_id":"2667628","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T20:56:18.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am included in the list of potential victims of the 2017 Equifax <em>cybersecurity</em> incident, which means intruders may have accessed my name, Social Security number, birth date, address, driver 's license numbers, and credit card numbers. Criminals took advantage of a U.S. website application <em>vulnerability</em> to gain access to certain files from mid-XXXX 2017 <em>through</em> XXXX 2017."]},"sort":[21.58519,"2667628"]},{"_index":"complaint-public-v1","_id":"2661214","_score":21.476393,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Affected by XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017.","date_sent_to_company":"2017-09-08T18:39:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78728","tags":null,"has_narrative":true,"complaint_id":"2661214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-08T18:28:24.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Affected by XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX ) today announced a <em>cybersecurity</em> incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application <em>vulnerability</em> to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXX <em>through</em> XXXX 2017."]},"sort":[21.476393,"2661214"]},{"_index":"complaint-public-v1","_id":"3812737","_score":21.367628,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I was provided a false invoice submitted via PayPal on XX/XX/XXXX purporting to be the XXXX XXXX XXXX. I have tried to contact PayPal, but they have no customer facing automated security features available. Customers can not submit fraud claims nor notification management of fraud events outside of a phone call during normal business hours ( Pacific standard time ). \n\nManagement at PayPal has failed to enact sufficiently robust cybersecurity practices. Management has hindered customer submission of fraud events. The board has displayed insufficient oversight over cybersecurity processes. PayPal audit has not conducted sufficiently rigorous audits and assessments around customer fraud event submission. These are unsafe or unsound practices.","date_sent_to_company":"2020-08-25T12:25:30.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"28210","tags":null,"has_narrative":true,"complaint_id":"3812737","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2020-08-25T12:10:41.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Management at PayPal has failed to enact sufficiently robust <em>cybersecurity</em> practices. Management has hindered customer submission of fraud events. The board has displayed insufficient oversight over <em>cybersecurity</em> processes. PayPal audit has not conducted sufficiently rigorous audits and <em>assessments</em> around customer fraud event submission. These are unsafe or unsound practices."]},"sort":[21.367628,"3812737"]},{"_index":"complaint-public-v1","_id":"1651032","_score":20.429527,"_source":{"product":"Bank account or service","complaint_what_happened":"I am writing out of concern for the DOJ investigations in hackings against Scottrade and others. \n\nSpecifically, I know for a face, that Scottrade was informed of their cyber security vulnerabilities through numerous Whistleblower tips submitted to the SEC, some of which were forwarded to Scottrade for review. \n\nI know this because I 'm the one who found the flaws, including the heart bleed vulnerability, and reported them to the SEC more than two years ago. \n\nThe failure of the SEC and Scottrade to understand the technical disclosures led to over XXXX XXXX customers being breached and I do not take this lightly. \n\nPlease contact the SEC and request all complaints against Scottrade and you will quickly find that their failed cybersecurity infrastructure and corporate culture was reported by myself and others numerous times, before a hack even occurred.","date_sent_to_company":"2015-11-12T13:16:21.000Z","issue":"Account opening, closing, or management","sub_product":"Savings account","zip_code":"95945","tags":null,"has_narrative":true,"complaint_id":"1651032","timely":"Yes","company_response":"Closed","submitted_via":"Web","company":"SCOTTRADE BANK","date_received":"2015-11-11T11:58:43.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Specifically, I know for a face, that Scottrade was informed of their cyber security <em>vulnerabilities</em> <em>through</em> numerous Whistleblower tips submitted to the SEC, some of which were forwarded to Scottrade for review. \n\nI know this because I 'm the one who found the flaws, including the heart bleed <em>vulnerability</em>, and reported them to the SEC more than two years ago."]},"sort":[20.429527,"1651032"]},{"_index":"complaint-public-v1","_id":"1718694","_score":20.233927,"_source":{"product":"Bank account or service","complaint_what_happened":"I am writing out of concern for the DOJ investigations in hackings against Scottrade and others. \n\nSpecifically, I know for a fact, that Scottrade was informed of their cyber security vulnerabilities through numerous Whistleblower tips submitted to the SEC, some of which were forwarded to Scottrade for review. \n\nI know this because I 'm the one who found the flaws, including the heart bleed vulnerability, and reported them to the SEC more than two years ago. \n\nThe failure of the SEC and Scottrade to understand the technical disclosures led to over XXXX customers being breached and I do not take this lightly. \n\nPlease contact the SEC and request all complaints against Scottrade and you will quickly find that their failed cybersecurity infrastructure and corporate culture was reported by myself and others numerous times, before a hack even occurred.","date_sent_to_company":"2015-12-30T14:01:21.000Z","issue":"Account opening, closing, or management","sub_product":"(CD) Certificate of deposit","zip_code":"95945","tags":null,"has_narrative":true,"complaint_id":"1718694","timely":"Yes","company_response":"Closed","submitted_via":"Web","company":"SCOTTRADE BANK","date_received":"2015-12-28T07:34:17.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Specifically, I know for a fact, that Scottrade was informed of their cyber security <em>vulnerabilities</em> <em>through</em> numerous Whistleblower tips submitted to the SEC, some of which were forwarded to Scottrade for review. \n\nI know this because I 'm the one who found the flaws, including the heart bleed <em>vulnerability</em>, and reported them to the SEC more than two years ago."]},"sort":[20.233927,"1718694"]},{"_index":"complaint-public-v1","_id":"2667705","_score":19.842903,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax mishandled my and many others ' personal information including our social security numbers, phone numbers, addresses, and more, leaving us vulnerable to identity theft. Their cybersecurity is insufficient.","date_sent_to_company":"2017-09-08T19:45:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75093","tags":null,"has_narrative":true,"complaint_id":"2667705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T19:39:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax mishandled my and many others ' personal information including our social security numbers, phone numbers, addresses, and more, leaving us <em>vulnerable</em> to identity theft. Their <em>cybersecurity</em> is insufficient."]},"sort":[19.842903,"2667705"]},{"_index":"complaint-public-v1","_id":"6316627","_score":19.800545,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX began using PayPal on XX/XX/2022 to accept payments from our clients ( small businesses ) to provide an online cybersecurity consulting service. Our clients, through our platform take a cybersecurity gap assessment which consists of ( XXXX ) domains and ( XXXX ) controls. The client interacts with our cyber experts ( virtual sessions ) during the process to complete their gap assessment and receive a cybersecurity pathway ( document, with questions and responses ) and how to close their cyber gaps for the fee of {$1000.00}. Since the account was set up, we have had ( XXXX ) companies and ( XXXX ) test run using PayPal. Our first client paid on XX/XX/2022 and the last client paid on XX/XX/2022. Which we have not been able to transfer and of funds. We had ( XXXX ) calls with Paypal customer service. During the first conversation they stated since the account was new, they needed to hold the funds for a period of time. Then without any notification they asked for screen shots, banking information, and personal information on the company owner to validate the legitimacy of the company. We complied and still not release of the funds. On XX/XX/2022 we spoke with a XXXX ( XXXX ) who said the account seemed to have what it needed and escalate it to his back office. It may take ( XXXX ) day for a resolution. XXXX has not released any of our funds. \n\n\n\n\nSorry, something's not right. Please try again later. \nGo Back MESSAGE : 1 After a review, we've decided to permanently limit your account due to potential risk. Youll not be able to conduct any further business using PayPal MESSAGE 2 : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. \n\nMESSAGE XXXX : Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. This will apply to all existing and future cases you receive. \n\nFINAL MESSAGE : Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. \n\nReference ID : XXXX","date_sent_to_company":"2022-12-13T14:17:33.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"46307","tags":null,"has_narrative":true,"complaint_id":"6316627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2022-12-13T13:24:57.000Z","state":"IN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX began using PayPal on XX/XX/2022 to accept payments from our clients ( small businesses ) to provide an online <em>cybersecurity</em> consulting service. Our clients, <em>through</em> our platform take a <em>cybersecurity</em> gap <em>assessment</em> which consists of ( XXXX ) domains and ( XXXX ) controls."]},"sort":[19.800545,"6316627"]},{"_index":"complaint-public-v1","_id":"1902659","_score":19.481398,"_source":{"product":"Student loan","complaint_what_happened":"I would like to make a formal complaint against XXXX XXXX due to the many false claims they make to unsuspecting students who were promised job assistance, the use of predatory loans, and unsubstantiated statistics they claim students benefit while attending and graduating from their school. I attended the school and believe they committed fraud of the highest nature and request a formal inquiry into the school as it is a for-profit institution with many campuses marketing false claims throughout the US. I implore you to help others from making the same mistake I have in attending a school that bolsters its attendance and graduation rates creating undue hardship. I was told prior to attending that there was a XXXX % job placement with assistance from career center, however, no one knew how to help me and claimed it was my own responsibility. The school also reports having real experienced professors from the field, but they instead forced the students to buy a program that played tutorials. This was never discussed prior to going to the school. I would never have gone to an institution that teaches through straight videos. I think those who have been wrongfully subjected to the predatory loans should be dismissed on the wrongful merits this for-profit school claimed in its aggressive marketing campaigns. \n\nThe student in question has suffered greatly as he was marketed heavily based on the conversations and documentation the school provided of their successful ways they find potential permanent positions for graduates. In reality, the burden to pay back the loans is greatly beyond the marketing, financial responsibility, and systematic breakdown of the education system in order to turn a profit on unsuspecting students attempting to obtain higher education. At this time, I owe nearly XXXX XXXX dollars in student loans for an education I have never been able to use. I searched for two years and was never able to obtain even a temporary position. XXXX XXXX marketed the idea of bettering yourself with obtaining a higher education degree with ease and ability to switch professions with extensive assistance from their staff. If I knew these claims to be untrue I would never have enrolled there. In a very serious manner, I have suffered severe XXXX, XXXX, and XXXX and feel I have taken away the future of my family 's financial security and well being due to this school. \nHere is a list of marketing tools the school uses, but failed to follow through : The most direct path to your new career - they give directions specifically how to get financial aid without giving any indication of the total amount. \nCareer placement assistance - I was never given any assistance and even told towards the end of my tenor that it was my responsibility. \nNo hidden fees - they forced students to purchase a XXXX program to follow through out the program, which was only Microsoft compatible. If you had a MAC, you were forced to purchase the Microsoft Office at XXXX dollars. \nPersonalized service centered on you - I never met with one person to help determine my future. \nInstructors with real-world experience - We met once a week and all instruction was through lab tutorials/simulator. \n\nA list of improper acts perpetrated by XXXX XXXX : Using general statistics of earnings of graduates ; The availability of advertised programs ; The employment assistance the school provides graduates expressing a XXXX % placement of graduates from the XXXX XXXX program ; The school 's role in its private loan program, stating the loan pays for itself as they help you find a position giving you the statistics on how much XXXX graduates earn ; The nature, character, and quality of educational programs ;","date_sent_to_company":"2016-04-29T16:38:19.000Z","issue":"Dealing with my lender or servicer","sub_product":"Federal student loan servicing","zip_code":"29651","tags":null,"has_narrative":true,"complaint_id":"1902659","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GREAT LAKES","date_received":"2016-04-29T16:38:18.000Z","state":"SC","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":["No hidden fees - they forced students to purchase a XXXX program to follow <em>through</em> out the program, which was only Microsoft compatible. If you had a MAC, you were forced to purchase the Microsoft Office at XXXX dollars. \nPersonalized service centered on you - I never met with one person to help determine my future. \nInstructors with <em>real-world</em> experience - We met once a week and all instruction was <em>through</em> lab <em>tutorials</em>/simulator."]},"sort":[19.481398,"1902659"]},{"_index":"complaint-public-v1","_id":"2664614","_score":18.72073,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My credit information held by Equifax has been breached. My identity, and subsequently my credit, is now compromised. From Equifax : \" On XX/XX/XXXX, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. Upon discovery, we acted immediately to stop the intrusion. The company promptly engaged a leading, independent cybersecurity firm which has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. Equifax also reported the criminal access to law enforcement and continues to work with authorities. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX. ''","date_sent_to_company":"2017-09-08T17:11:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"282XX","tags":null,"has_narrative":true,"complaint_id":"2664614","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T16:54:31.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX <em>through</em> XX/XX/XXXX. ''"]},"sort":[18.72073,"2664614"]},{"_index":"complaint-public-v1","_id":"4623498","_score":18.52225,"_source":{"product":"Debt collection","complaint_what_happened":"I hired a lawyer to send out cease and desist notices to this company, but they still are still harassing me with their constant phone calls. I can not use my USA number anymore ( I live in XXXX and the alleged debt they are trying to collect is in the USA ). Cybersecurity experts at both XXXX XXXX and XXXX have determined definitively that perpetrators cloned my computer and did more than simply stealing of my name and social security number, yet this unscrupulous company Portfolio Recovery Service continues to harass me. My lawyer has demanded that they remove this from my XXXX, XXXX XXXX, and XXXX  files, but this Portfolio Recover is relentless. My assessment is that they are sociopaths or perhaps suffer from malignant narcissism. Whatever their disorder, they appear to have no conscience.","date_sent_to_company":"2021-08-12T07:12:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"88012","tags":null,"has_narrative":true,"complaint_id":"4623498","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2021-08-12T02:57:30.000Z","state":"NM","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>Cybersecurity</em> experts at both XXXX XXXX and XXXX have determined definitively that perpetrators cloned my computer and did more than simply stealing of my name and social security number, yet this unscrupulous company Portfolio Recovery Service continues to harass me. My lawyer has demanded that they remove this from my XXXX, XXXX XXXX, and XXXX  files, but this Portfolio Recover is relentless. My <em>assessment</em> is that they are sociopaths or perhaps suffer from malignant narcissism."]},"sort":[18.52225,"4623498"]},{"_index":"complaint-public-v1","_id":"4623497","_score":18.403105,"_source":{"product":"Debt collection","complaint_what_happened":"I hired a lawyer to send out cease and desist notices to this company, but they still are still harassing me with their constant phone calls. I can not use my XXXX  number anymore ( I live in XXXX and the alleged debt they are trying to collect is in the XXXX ). Cybersecurity experts at both XXXX XXXX and XXXX have determined definitively that perpetrators cloned my computer and did more than simply stealing of my name and social security number, yet this unscrupulous company XXXX XXXX XXXX continues to harass me. My lawyer has demanded that they remove this from my XXXX, XXXX XXXX, and XXXX  files, but this XXXX XXXX is relentless. My assessment is that they are sociopaths or perhaps suffer from malignant narcissism. Whatever their disorder, they appear to have no conscience.","date_sent_to_company":"2021-08-12T07:12:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"88012","tags":null,"has_narrative":true,"complaint_id":"4623497","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-08-12T03:12:22.000Z","state":"NM","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>Cybersecurity</em> experts at both XXXX XXXX and XXXX have determined definitively that perpetrators cloned my computer and did more than simply stealing of my name and social security number, yet this unscrupulous company XXXX XXXX XXXX continues to harass me. My lawyer has demanded that they remove this from my XXXX, XXXX XXXX, and XXXX  files, but this XXXX XXXX is relentless. My <em>assessment</em> is that they are sociopaths or perhaps suffer from malignant narcissism."]},"sort":[18.403105,"4623497"]},{"_index":"complaint-public-v1","_id":"5560987","_score":18.335173,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My hold balance is XXXX in XXXX, i received XXXX in XXXX  From paypal, i received payment from online tutorial on XX/XX/2022 XXXX","date_sent_to_company":"2022-05-14T13:50:17.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5560987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2022-05-14T13:32:31.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My hold balance is XXXX in XXXX, i received XXXX in XXXX  From paypal, i received payment from online <em>tutorial</em> on XX/XX/2022 XXXX"]},"sort":[18.335173,"5560987"]},{"_index":"complaint-public-v1","_id":"2689294","_score":18.252337,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, XXXX, Equifax Inc. announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a vulnerability on a U.S. website application to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XXXX through XXXX XXXX. \n\nThe information accessed primarily includes names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers. In addition, credit card numbers for approximately XXXX XXXX consumers, and certain dispute documents with personal identifying information for approximately XXXX U.S. consumers were accessed. \n\nI went to the Equifax website and ran my information under 'Am I Impacted? '. Based on the information provided, Equifax believes that my personal information may have been impacted by this incident.","date_sent_to_company":"2017-09-30T04:25:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"80026","tags":null,"has_narrative":true,"complaint_id":"2689294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-30T03:49:27.000Z","state":"CO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XXXX XXXX, XXXX, Equifax Inc. announced a <em>cybersecurity</em> incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a <em>vulnerability</em> on a U.S. website application to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XXXX <em>through</em> XXXX XXXX. \n\nThe information accessed primarily includes names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers."]},"sort":[18.252337,"2689294"]},{"_index":"complaint-public-v1","_id":"12725796","_score":18.096598,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX 's recent security breach revealed a significant lapse in oversight, as a ransomware attack compromised the personal information of over XXXX XXXX members and employees. Despite being breached as early as XX/XX/year>, it wasn't until XX/XX/year>, that XXXX detected the unauthorized access and took action, leaving sensitive data vulnerable for weeks. The lack of timely detection and inadequate cybersecurity measures allowed hackers to access critical personal details, including Social Security numbers and driver 's license information. Furthermore, the credit union 's failure to prevent such an attack reflects a troubling gap in its internal controls and oversight processes, raising serious concerns about how effectively XXXX is safeguarding its members ' data. While XXXX has since offered credit monitoring and taken steps to enhance security, the damage has already been done, and the incident underscores a dire need for stronger oversight and more proactive cybersecurity practices.","date_sent_to_company":"2025-03-30T02:48:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"633XX","tags":null,"has_narrative":true,"complaint_id":"12725796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-30T02:47:53.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Despite being breached as early as XX/XX/year>, it wasn't until XX/XX/year>, that XXXX detected the unauthorized access and took action, leaving sensitive data <em>vulnerable</em> for weeks. The lack of timely detection and inadequate <em>cybersecurity</em> measures allowed hackers to access critical personal details, including Social Security numbers and driver 's license information."]},"sort":[18.096598,"12725796"]},{"_index":"complaint-public-v1","_id":"5560969","_score":18.068645,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My balance XXXX peso, in us currency XXXX, i recived the payment in online tutorial XX/XX/XXXX XXXX us dollar in paypal, transaction XXXX","date_sent_to_company":"2022-05-14T13:27:49.000Z","issue":"Confusing or missing disclosures","sub_product":"Virtual currency","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5560969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2022-05-14T13:11:41.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My balance XXXX peso, in us currency XXXX, i recived the payment in online <em>tutorial</em> XX/XX/XXXX XXXX us dollar in paypal, transaction XXXX"]},"sort":[18.068645,"5560969"]},{"_index":"complaint-public-v1","_id":"2662693","_score":17.997284,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I was notified of Equifax 's data breach and their attempt to get consumers to waive their legal rights. \n\nFrom Equifax : \" Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company 's investigation, the unauthorized access occurred from mid-XX/XX/XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifax 's core consumer or commercial credit reporting databases. \n\nThe information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver 's license numbers. '' According to Equifax, I have been impacted by this incident. \n\nAdditionally, Equifax is attempting to trick consumers into waiving their legal rights through their offer of free credit and ID protection. \n\nFrom the XXXX XXXX. \n\nXXXX XXXX XXXX XXXX","date_sent_to_company":"2017-09-08T18:14:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"201XX","tags":null,"has_narrative":true,"complaint_id":"2662693","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T18:02:07.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["From Equifax : \" Equifax Inc. ( XXXX : XXXX ) today announced a <em>cybersecurity</em> incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application <em>vulnerability</em> to gain access to certain files. Based on the company 's investigation, the unauthorized access occurred from mid-XX/XX/XXXX <em>through</em> XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifax 's core consumer or commercial credit reporting databases."]},"sort":[17.997284,"2662693"]},{"_index":"complaint-public-v1","_id":"12640356","_score":17.965427,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX request for XXXX XXXX forgiveness amid the massive data breach raises significant concerns about data privacy and the integrity of financial systems. XXXX  a high-profile figure, leveraging such a breach to seek loan relief not only underscores the potential exploitation of sensitive information but also highlights the pressing need for stronger cybersecurity measures to protect individuals financial data from misuse in a growing era of digital vulnerabilities.","date_sent_to_company":"2025-03-22T23:14:02.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"13027","tags":null,"has_narrative":true,"complaint_id":"12640356","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-03-22T23:05:12.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["XXXX  a high-profile figure, leveraging such a breach to seek loan relief not only underscores the potential exploitation of sensitive information but also highlights the pressing need for stronger <em>cybersecurity</em> measures to protect individuals financial data from misuse in a growing era of digital <em>vulnerabilities</em>."]},"sort":[17.965427,"12640356"]},{"_index":"complaint-public-v1","_id":"12725794","_score":17.763391,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX 's recent security breach revealed a significant lapse in oversight, as a ransomware attack compromised the personal information of over XXXX XXXX members and employees. Despite being breached as early as XX/XX/year>, it wasn't until XX/XX/year>, that XXXX detected the unauthorized access and took action, leaving sensitive data vulnerable for weeks. The lack of timely detection and inadequate cybersecurity measures allowed hackers to access critical personal details, including Social Security numbers and driver 's license information. Furthermore, the credit union 's failure to prevent such an attack reflects a troubling gap in its internal controls and oversight processes, raising serious concerns about how effectively XXXX is safeguarding its members ' data. While XXXX has since offered credit monitoring and taken steps to enhance security, the damage has already been done, and the incident underscores a dire need for stronger oversight and more proactive cybersecurity practices.","date_sent_to_company":"2025-03-30T02:48:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"633XX","tags":null,"has_narrative":true,"complaint_id":"12725794","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-30T02:47:53.000Z","state":"MO","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Despite being breached as early as XX/XX/year>, it wasn't until XX/XX/year>, that XXXX detected the unauthorized access and took action, leaving sensitive data <em>vulnerable</em> for weeks. The lack of timely detection and inadequate <em>cybersecurity</em> measures allowed hackers to access critical personal details, including Social Security numbers and driver 's license information."]},"sort":[17.763391,"12725794"]},{"_index":"complaint-public-v1","_id":"12724931","_score":17.763391,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX 's recent security breach revealed a significant lapse in oversight, as a ransomware attack compromised the personal information of over XXXX XXXX members and employees. Despite being breached as early as XX/XX/year>, it wasn't until XX/XX/year>, that XXXX detected the unauthorized access and took action, leaving sensitive data vulnerable for weeks. The lack of timely detection and inadequate cybersecurity measures allowed hackers to access critical personal details, including Social Security numbers and driver 's license information. Furthermore, the XXXX XXXX 's failure to prevent such an attack reflects a troubling gap in its internal controls and oversight processes, raising serious concerns about how effectively XXXX is safeguarding its members ' data. While XXXX has since offered credit monitoring and taken steps to enhance security, the damage has already been done, and the incident underscores a dire need for stronger oversight and more proactive cybersecurity practices.","date_sent_to_company":"2025-03-30T02:48:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"633XX","tags":null,"has_narrative":true,"complaint_id":"12724931","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-30T02:47:53.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Despite being breached as early as XX/XX/year>, it wasn't until XX/XX/year>, that XXXX detected the unauthorized access and took action, leaving sensitive data <em>vulnerable</em> for weeks. The lack of timely detection and inadequate <em>cybersecurity</em> measures allowed hackers to access critical personal details, including Social Security numbers and driver 's license information."]},"sort":[17.763391,"12724931"]},{"_index":"complaint-public-v1","_id":"2667939","_score":17.647364,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"on X/X/17 Equifax announced their information was breached through a Cybersecurity Incident, I am on the list of potentially impacted consumers","date_sent_to_company":"2017-09-08T19:53:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80210","tags":null,"has_narrative":true,"complaint_id":"2667939","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T19:46:04.000Z","state":"CO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["on X/X/17 Equifax announced their information was breached <em>through</em> a <em>Cybersecurity</em> Incident, I am on the list of potentially impacted consumers"]},"sort":[17.647364,"2667939"]},{"_index":"complaint-public-v1","_id":"2668218","_score":17.497547,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"https : //www.equifaxsecurity2017.com/ XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX.  The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. \n\nThe information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted.","date_sent_to_company":"2017-09-08T16:36:07.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"77406","tags":null,"has_narrative":true,"complaint_id":"2668218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T16:22:19.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["https : //www.equifaxsecurity2017.com/ XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a <em>cybersecurity</em> incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application <em>vulnerability</em> to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX <em>through</em> XX/XX/XXXX."]},"sort":[17.497547,"2668218"]},{"_index":"complaint-public-v1","_id":"2661290","_score":17.277016,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"on XX/XX/17 Equifax announced their information was breached through a Cybersecurity Incident, I am on the list of potentially impacted consumers","date_sent_to_company":"2017-09-08T19:58:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80210","tags":"Servicemember","has_narrative":true,"complaint_id":"2661290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T19:54:47.000Z","state":"CO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["on XX/XX/17 Equifax announced their information was breached <em>through</em> a <em>Cybersecurity</em> Incident, I am on the list of potentially impacted consumers"]},"sort":[17.277016,"2661290"]},{"_index":"complaint-public-v1","_id":"16569224","_score":17.20881,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because TransUnion is inaccurately reporting XXXX XXXX as my employer. I have never worked for or been affiliated with this company in any capacity. This information is completely incorrect and represents a serious inaccuracy in my personal file. \n\nUnder the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally obligated to ensure the maximum possible accuracy of all information they include in a consumers credit report. Employment information, though not a credit account, still contributes to how lenders and other entities assess a consumers identity, reliability, and stability. Reporting an employer that I have never worked for is a clear violation of this requirement and reflects a failure in TransUnions data verification process. \n\nI have already attempted to correct this through normal dispute channels, but TransUnion has not properly investigated or removed this false employment entry. The continued presence of XXXX XXXX on my report implies a connection or income source that does not exist and may lead to confusion or misrepresentation in future credit decisions. This kind of personal information error is particularly concerning because it suggests that my data may have been mixed with another individuals file or improperly sourced from a third-party databaseboth of which are serious data integrity issues under the FCRA. \n\nThese inaccuracies are not minor clerical mistakes ; they carry real-world consequences. Incorrect employment information can lead to questions about identity, misclassification in lending assessments, and potential privacy violations. I take my credit history and personal information very seriously, and it is deeply frustrating that TransUnion has failed to uphold its obligation to maintain an accurate and verified record.","date_sent_to_company":"2025-10-14T17:59:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30721","tags":null,"has_narrative":true,"complaint_id":"16569224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-14T17:43:21.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["These inaccuracies are not minor clerical mistakes ; they carry <em>real-world</em> consequences. Incorrect employment information can lead to questions about identity, misclassification in lending <em>assessments</em>, and potential privacy violations. I take my credit history and personal information very seriously, and it is deeply frustrating that TransUnion has failed to uphold its obligation to maintain an accurate and verified record."]},"sort":[17.20881,"16569224"]},{"_index":"complaint-public-v1","_id":"2664271","_score":17.167564,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXXXX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. \n\nThe information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted. \n\nOn XX/XX/XXXX, I checked their website and my information was part of hack described in their announcement.","date_sent_to_company":"2017-09-11T15:15:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30033","tags":null,"has_narrative":true,"complaint_id":"2664271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-11T14:38:07.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XX/XX/XXXXXX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a <em>cybersecurity</em> incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application <em>vulnerability</em> to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX <em>through</em> XX/XX/XXXX. 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