Prosper 2025 Data Breach
ObscureIQ Breach Intelligence
Low SeverityWebsite / service breach
Prosper Marketplace Fintech Lending Platform Breach (2025): 17.6 Million Applicant Records Including Income & Credit Status Exposed
Fintech lender offering personal loans, credit products, and other consumer finance services.
Verified by ObscureIQ Intelligence
0/100Breach Risk Index
50Data Value
40Market Recency
193dSince Breach
Breach Intelligence Summary
Entity: Prosper · Actor: Unknown · Sources: 2 references
Attack: Unknown
Profile: Financial institution · Peer-to-peer lending services · Lending platform · USA
Timeline: Breach (2025-09-01) · Indexed (Oct 16, 2025) · Year (2025)
Exposure: 17.6M records · 10 fields: Credit Status, Date of Birth, Email Address, Employment Status, Financial Profile, Full Name, Government ID, IP Address, Physical Address, User Agent
Status: Confirmed
Executive Summary
Prosper, a San Francisco-based fintech company offering personal loans and consumer credit products, detected unauthorized access to its systems in September 2025. The breach exposed records tied to approximately 17.6 million unique email addresses, covering both existing customers and loan applicants. The method of intrusion has not been publicly disclosed. The exposed data includes names, dates of birth, home addresses, Social Security numbers, government-issued ID details, employment status, income levels, credit status, IP addresses, and browser information. Together, these fields form a complete financial and identity profile of the kind a lender collects during a loan application. For affected individuals, this combination creates serious risk of identity theft, fraudulent loan applications, and targeted scams that may reference personal financial details to appear credible. Prosper stated it found no evidence of unauthorized access to customer accounts or funds, and that its operations remained uninterrupted. As of early 2026, no confirmed class-action litigation or regulatory enforcement action specific to this breach had been widely documented. Despite the absence of confirmed misuse, anyone whose data was held by Prosper should monitor their credit reports closely, consider placing a credit freeze, and remain alert to unsolicited contact referencing their financial information.
ObscureIQ assessment: Severe risk of identity theft, fraud, account takeover, and lending-themed scams. Borrower status and financial vulnerability can significantly amplify targeting risk.
Breach Impact
In September 2025 Prosper announced it had detected unauthorized access to its systems, disclosing exposure of approximately 17.6 million unique email addresses alongside names, dates of birth, Social Security numbers, home addresses, employment status, income data, credit status, IP addresses, and government identification numbers. The exposed fields represent a comprehensive financial and identity profile — the full picture a lender would hold on a loan applicant. Prosper advised it found no evidence of data misuse at the time of disclosure. No confirmed class-action litigation or regulatory enforcement action specific to this breach has been widely documented in public sources as of early 2026.
About Prosper
Prosper is a U.S. fintech company offering personal loans, home equity products, and credit card services to consumers. Founded in 2005 as one of the first peer-to-peer lending platforms in the United States, it has since evolved into a broader consumer lending business. The company is headquartered in San Francisco and operates as a private company.
Why They Hold Your Data
Peer-to-peer lending platforms collect borrower and investor identity, credit-related data, bank-linkage records, income information, and transaction history across lending and servicing operations.
Recent Developments
Prosper has continued operating as a consumer lending platform through a period of elevated interest rates that compressed margins across the fintech lending sector. The company has not made major organizational announcements in the 12-18 months prior to the breach beyond normal business operations.
Data Points Exposed
10 verified field types
Credit Status High
Date of Birth High
Email Address
Employment Status
Financial Profile High
Full Name High
Government ID Critical
IP Address
Physical Address High
User Agent
Field names are shown in full for clarity and search visibility. Canonical machine keys are emitted only in this page’s structured data.
Exploitation & Downstream Threats
Threat Activity:Critical
Primary downstream threats:
- Financial fraud using exposed financial profile data
- Identity theft and synthetic identity construction using government-issued IDs
- Identity verification bypass using name + date of birth combination
- Targeted phishing campaigns using exposed email addresses
- Doxxing risk from physical address exposure
- Employment-based social engineering using job and employer data
Threat vectors:
- Fraudulent credit application
- Identity verification bypass
- Phishing, credential stuffing & account takeover
- Loan fraud & targeted financial scams
- Name-based social engineering
- Identity fraud with official bodies
- Geolocation & account flagging
- Physical stalking, mail fraud & identity verification
- Browser fingerprint reconstruction
Recommended Actions
If you believe your information may be included:
Protect Your ID Documents
Government-ID exposure enables document fraud — monitor and report misuse.
Enable MFA Everywhere
Turn on multi-factor authentication on email first, then financial accounts.
Report & Recover
If you spot misuse, start an official recovery plan and report fraud.
Frequently Asked Questions
What happened in the Prosper breach?▾
Prosper, a San Francisco-based fintech company offering personal loans and consumer credit products, detected unauthorized access to its systems in September 2025. The breach exposed records tied to approximately 17.6 million unique email addresses, covering both existing customers and loan…
What data was exposed?▾
Verified fields include Credit Status, Date of Birth, Email Address, Employment Status, Financial Profile, Full Name, Government ID, IP Address, Physical Address, User Agent.
What should I do if I was affected?▾
Change reused passwords, enable MFA, and (if identity or financial data is involved) freeze your credit and monitor your accounts.
Sources & References
Every claim on this page is traceable. This breach draws on:
Breach Index
ObscureIQ Intelligence
ObscureIQ proprietary analysis
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