If you’ve ever searched for a car on CarGurus, your personal information could now be circulating online. A hacking group known as ShinyHunters has published what it claims are 12.4 million records taken from CarGurus, a popular auto shopping platform used by millions of people each month.

The leaked data includes names, phone numbers, email addresses, physical addresses and even finance pre-qualification details. While most of the records were already exposed in past incidents, about 3.7 million are newly added to the pile. That means fresh data is now freely available for criminals to download.

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149 MILLION PASSWORDS EXPOSED IN MASSIVE CREDENTIAL LEAK

What you need to know about the CarGurus breach

The group behind the leak, ShinyHunters, published a 6.1GB file on Feb. 21, claiming it came from CarGurus. The file allegedly contains 12.4 million user records tied to the U.S.-based auto research and shopping platform CarGurus.

CarGurus operates in the U.S., Canada and the U.K., and its website attracts an estimated 40 million monthly visitors. It allows you to compare vehicles, contact sellers, and, in some cases, apply for financing.

According to Have I Been Pwned, which later added the dataset to its breach database, the exposed information includes email addresses, IP addresses, full names, phone numbers, physical addresses, account IDs, dealer details, subscription information and finance pre-qualification application data, along with outcomes.

Have I Been Pwned reports that about 70% of the data had already appeared in previous breaches. Roughly 3.7 million records are new. CarGurus has not released an official statement confirming the incident and did not respond to media requests for comment. ShinyHunters is known for leaking company data when ransom negotiations fail. The group has recently claimed attacks on major brands across telecom, retail, finance, and tech.

How it works and why it matters to you

ShinyHunters typically gains access by tricking employees, not by smashing through firewalls. In past cases, the group used phone calls or fake login pages to convince staff to hand over credentials. Once inside, attackers can quietly access cloud systems that store customer data.

In some campaigns, they also convinced employees to install malicious apps that granted access to customer databases. That means attackers could read stored information without triggering obvious alarms. If this dataset is legitimate, criminals now have detailed personal profiles tied to car shopping and financing activity, which is valuable.

Finance pre-qualification data is especially sensitive. Even if it does not include full Social Security numbers, it signals that you were actively sharing financial details. That makes you a prime target for follow-up scams, identity theft attempts and fake loan offers. Because the data is publicly available for download, it does not take much skill for criminals to start using it.

“We recently experienced a cybersecurity incident,” a CarGurus spokesperson told CyberGuy. “We promptly responded by securing the affected environment, and we are currently working with a leading cybersecurity firm to investigate. Based on the investigation to date, we believe the activity has been contained and limited in scope. Also, at this time, there are no indications that dealer data feeds, APIs, or core systems or products used by our consumers or dealer partners have been compromised. We remain fully operational, and our services continue without interruption. We will notify any affected individuals in accordance with applicable laws.”

DATA BREACH EXPOSES 400,000 BANK CUSTOMERS’ INFO

7 ways you can protect yourself from the CarGurus breach

Here’s what you can do right now to reduce your risk and stay ahead of potential scams tied to this leak.

1) Check if your email and passwords are compromised

To see if your email was affected, visit Have I Been Pwned at haveibeenpwned.com. Enter your email address to find out if your information appears in the CarGurus leak. When done, come back here for Step 2.

The exposed dataset reportedly includes names, emails, phone numbers, addresses and finance pre-qualification details. (Felix Zahn/Photothek via Getty Images)

2) Change your passwords immediately

Start with your most important accounts, such as email, medical and banking. Use strong, unique passwords with letters, numbers and symbols. Avoid predictable choices like names or birthdays. Never reuse passwords. One stolen password can unlock multiple accounts.  A password manager makes this simple. It stores complex passwords securely and helps you create new ones. Many managers also scan for breaches to see if your current passwords have been exposed. Use a password manager to generate strong, unique passwords for every account and store them securely. That way, if one account is exposed, criminals can’t use the same password to access the rest of your accounts. Check out the best expert-reviewed password managers of 2026 at Cyberguy.com.

3) Reduce your online exposure with a data removal service

You can also consider a personal data removal service. While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.

Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.

Get a free scan to find out if your personal information is already out on the web: Cyberguy.com.

4) Turn on two-factor authentication

If CarGurus or your email provider offers two-factor authentication (2FA), enable it. This adds a second step, like a code sent to your phone, making it much harder for someone to access your account even if they have your password.

5) Watch for finance-related phishing scams

Be extra cautious with emails or texts about car loans, financing approvals, or dealership follow-ups. Do not click links in unsolicited messages. Instead, contact the company directly using the official contact details you find on their website. Also, use strong antivirus software to block malicious links and downloads that often follow phishing campaigns. If attackers use this leaked data to target you with infected attachments, antivirus protection adds another layer of defense.

Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at Cyberguy.com.

6) Monitor your credit reports

If you applied for financing, check your credit reports for unfamiliar inquiries or new accounts. Early detection can help you stop identity theft before it spirals. Consider placing a credit freeze if you see suspicious activity.

7) Consider identity theft protection

Identity theft protection services can monitor for unusual activity tied to your name, Social Security number, or financial accounts. They can alert you quickly if someone tries to open a new credit card in your name.

See my tips and best picks on Best Identity Theft Protection at Cyberguy.com.

Security experts warn the leaked information could be used for phishing scams, fake loan offers and identity theft. (iStock)

Kurt’s key takeaway

This incident highlights a bigger issue than just one company. When platforms collect detailed financial and personal data, they become high-value targets. If the leaked dataset is authentic, millions of people who were simply shopping for a car now face increased risk of scams. CarGurus has not publicly confirmed a breach. Customers deserve clarity when sensitive financial application data may be involved. Silence only increases uncertainty.

Should companies that collect financing data be required to publicly confirm or deny breaches within a set timeframe?  Let us know by writing to us at Cyberguy.com.

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