About That Prosper Data Breach Email
It Seems To Be The Real
Deal
Arriving in my Gmail Inbox the morning of December 15, 2025, was a notice of a data breach that occurred at a company called Prosper. Apparently, many people also received this same email. Since I had never done business with Prosper, and also given that Google had flagged the email as potentially spam, the legitimacy of the email was immediately in question. Another red flag was the email was sent from domain csid.com. Not only me, but many other people who posted about the email on the Internet were also unsure whether or not the email was spam. My research has, however, verified that the email and the data breach is real. So, if the reader has also received the email, here is what you need to know about the breach.
If you did receive the email, even if you had never done business with Prosper, Prosper nevertheless may have had your information as part of an old or indirect loan application, even if you never went through with the transaction. The breach included not just customer data, but applicant data was pilfered, as well. So that dramatically increased the number of individuals who could be potentially affected by the breach.
Prosper as been in existence since 2005. The company acts a third party that processes several different types of financial transactions. One of its main business function is the processing of loan applications. Thus, like me, one need not be an actual customer of Prosper to have one's personally identifiable information (PII) included in the breach. Prosper has partnered with many different types of financial institutions and marketing firms. These include credit shopping portals; personal finance apps; affiliate marketing funnels.
To me, what is most unsettling about this email is the sentence: "We have determined that your Social Security Number / National ID Number, Date of Birth were obtained" by whomever perpetrated the data breach. Indeed, on its website about the incident, Proper details what type of info was part of the breach.
Prosper is of the impacted data concluded on November 26, 2025, and identified personal information including: name, Social Security Number / National ID Number, date of birth, bank account number, Prosper account number, marriage or birth certificate, passport number, tax information, payment card number.
That is quite a trove of data to collect on millions of people.
What it means is if you fall into one of these categories below, your
data has probably been stolen:
• Anyone who started an
application
• Anyone who checked rates
• Anyone who abandoned an
application
• Anyone who interacted with a partner site that fed data
into the Prosper system
Although the breach occurred over the time span of June through August 2025, the data that included in the breach could have been much older. Prosper does not say how far back the exposed applicant data goes. It is a fact that many financial firms retain application data for years for compliance reasons. So, if you had ever done one of the following, your data could well be included in the breach.
• Checked loan rates online
• Compared personal loan offers
• Credit shopping portals
• Responded to a prescreened offer
• Applied for a loan you didn't
finish
The reason the email came from the sender, Prosper@noticemail.csid.com, is that Prosper contracted with Csid to handle its notification about the breach.
Prosper, to its credit, is doing all that can be done to mitigate the harms that may be done to people who may have been victimized by the breach. Prosper is offering two years of complimentary credit monitoring and identity restoration services through Experian. Also, a dedicated call center has been set up. Below is from the notice posted to Prosper's website.
Prosper has established a dedicated call center to answer questions about the cybersecurity event as well as the Experian services that we are offering to you. If you have any questions, please call the call center at 1-833-918-9464, from 8 a.m. to 5 p.m. CT Monday through Friday, excluding major U.S. holidays.
Furthermore, as often happens in the wake of these events, if a reader does believe that that he or she has been
harmed by the data breach, a class action lawsuit is being pursued. One such law firm is
listed below.
Emerson Firm PLLC
2500
Wilcrest Drive Suite 300
Houston, TX 77042-2754 T: (800) 551-8649
If you wish to join any potential lawsuit that may arise from the
Prosper data breach, check out this website:
Prosper Data Breach: What Happened, What Was Exposed, and Your Legal
Options
And never forget this very old maxim that dates back to 16th
England:
To be forewarned is to be
forearmed.
Gerald Reiff
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