{"took":103,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":121,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3446821","_score":19.35805,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Following my earlier complaint # XXXX in which TransUnion 's part of the XXXX web site was completely broken, I have continued attempts to obtain my TransUnion annual credit report from XXXX. I made two attempts today ( XX/XX/XXXX ). The first attempt in the morning proceeded to the security questions. I answered the security questions properly, but the system them told me I had failed identity verification and couldn't get my report online. I just tried again about two minutes ago, and this time I received an error message from TransUnion claiming that I had already received my free annual credit report for the year from their web site ( see attached error message screenshot ). This error message is a lie ; I have **not** received my annual credit report within the last year from TransUnion due to their web site not working. ( I most recently successfully retrieved my free annual report from TransUnion on XX/XX/XXXX, over one year ago ). TransUnion 's web site is clearly designed to mark consumers credit reports as viewed even if the system doesn't actually produce the report. These are obvious violations of both the FCRA and the FACT Act requiring them to actually provide free consumer credit reports annually and maintain the annualcreditreport.com web site in working order. The CFPB should investigate and sanction TransUnion for these violations!","date_sent_to_company":"2019-11-22T05:32:44.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"98117","tags":null,"has_narrative":true,"complaint_id":"3446821","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-11-22T00:17:54.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["I just tried again about two minutes ago, and this time I received an <em>error</em> <em>message</em> from TransUnion <em>claiming</em> that I had already received my free annual credit report for the year from their web site ( see attached <em>error</em> <em>message</em> screenshot )."]},"sort":[19.35805,"3446821"]},{"_index":"complaint-public-v1","_id":"5623056","_score":19.325642,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On Wednesday, XXXX, it took hours to verify my identity with Transunion XXXX XXXX ; once I completed the identity verification with Transunion, I logged into my Transunion account and disputed several items. After preparing all of the disputes, Transunion provided an error message informing me something was wrong with their system, and I am welcome to resubmit. \n\nI have filed several complaints against Transunion with the Consumer Financial Protection Bureau ( CFPB ) ; when filing a Dispute on my Transunion Credit Report, Transunion attempts to circumnavigate the process, claiming they need to verify my identity before moving forward with the CFPB Submitted Complaints via letters delivered by the United States Postal Service ( XXXX ). Now that my identity has been verified ( with XXXX ) and I am filing disputes directly with Transunion, the company finds another way to prevent people from filing said Credit Reporting Disputes. \n\nPlease see the PDF attachment for reference.","date_sent_to_company":"2022-06-02T00:23:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95835","tags":"Servicemember","has_narrative":true,"complaint_id":"5623056","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-06-02T00:09:53.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["On Wednesday, XXXX, it took hours to <em>verify</em> my <em>identity</em> with Transunion XXXX XXXX ; once I completed the <em>identity</em> <em>verification</em> with Transunion, I logged into my Transunion account and disputed several items. After preparing all of the disputes, Transunion provided an <em>error</em> <em>message</em> informing me something was wrong with their system, and I am welcome to resubmit."]},"sort":[19.325642,"5623056"]},{"_index":"complaint-public-v1","_id":"7756327","_score":18.479279,"_source":{"product":"Checking or savings account","complaint_what_happened":"Laurel Road Keybank has locked me out of my checking account after I attempted to transfer the funds out of the account to another one I verified with micro deposits. I tried to log in and I get the error message Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or XXXX XXXXXXXX. I have tried to recover my account with all the options on their website to no avail. I have read hundreds of complaints online reporting the same issue. The complaints claim that it can take weeks to months to reclaim access to the account and funds. The complaints claim they lock every account that tries to transfer money out under the guise of suspected fraud. I am shocked how prevalent this is and if its even legal. This is apparently a scam to try and withhold money from their customers by keeping it in their institution. The lengthy time period to recover the account will prevent me from the checking account direct deposit bonus. This is the only reason I opened an account with them","date_sent_to_company":"2023-10-26T02:40:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"29615","tags":null,"has_narrative":true,"complaint_id":"7756327","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2023-10-26T02:19:37.000Z","state":"SC","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Laurel Road Keybank has locked me out of my checking account after I <em>attempted</em> to transfer the funds out of the account to another one I <em>verified</em> with micro deposits. I tried to log in and I get the <em>error</em> <em>message</em> Your Online Banking account is restricted. To <em>verify</em> your <em>identity</em> and gain access, please call us at XXXX or XXXX XXXXXXXX. I <em>have</em> tried to recover my account with all the options on their website to no avail. I <em>have</em> read hundreds of complaints online reporting the same issue."]},"sort":[18.479279,"7756327"]},{"_index":"complaint-public-v1","_id":"5196503","_score":18.417358,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I purchased and stored cryptocurrency using Coinbase in XXXX. On XX/XX/XXXX I sold my cryptocurrency holdings ( Cardano, Bitcoin, and Ethereum ) on Coinbase for {$5100.00} USD. When I attempted to withdraw the USD to my XXXX XXXX  account which is linked to my account on the site, I received an error message stating \" An error occurred. Your account has been locked, please visit coinbase.com to resolve ''. I had already gone through the account identity verification process, and had enabled the secure 2XXXXstep verification to access to my account on the site, so I was confused as to why my account would be locked. \n\nOn XX/XX/XXXX I submitted a support claim on the Coinbase Support site detailing this issue. Shortly after submitting it, I received confirmation that my support claim had been received by Coinbase. On XX/XX/XXXX, at XXXX EST, I received an email from Coinbase Support asking for a screenshot of the error message I saw when attempting to withdraw USD to my bank account. At XXXX EST that day, I replied to the email providing the requested screenshot. After this correspondence, I received no further guidance or messages from Coinbase in any form. I followed up via email on XX/XX/XXXX, still to no response. I called their Support Hotline numerous times, but was never able to connect with a live service agent, only an automated system that provided no meaningful interactions and only repeated information that is readily available on the Coinbase Support site. \n\nToday, XX/XX/XXXX, after waiting XXXX business days since submitting my support claim, I issued a formal complaint via the Coinbase Complaint system. However, given my abysmal customer experience with Coinbase thus far, I am concerned that the issue will not be resolved. Additionally, I am prevented from accessing my account at the moment, as Coinbase renewed their user agreement to include limitations on the litigious actions and legal rights of its users who have complaints. Given my current situation, I feel it would not be prudent for me to agree to these terms prior to having this issue fully resolved. This issue has been incredibly disheartening. Had I known how little customer service support Coinbase had, I would have never decided to invest in crypto using their platform. I can not believe the number of hoops I have had to jump through just to reagin access to my assets.","date_sent_to_company":"2022-02-07T16:21:10.000Z","issue":"Money was not available when promised","sub_product":"Virtual currency","zip_code":"11221","tags":null,"has_narrative":true,"complaint_id":"5196503","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2022-02-07T15:40:01.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["When I <em>attempted</em> to withdraw the USD to my XXXX XXXX  account which is linked to my account on the site, I received an <em>error</em> <em>message</em> stating \" An <em>error</em> occurred. Your account has been locked, please visit coinbase.com to resolve ''. I had already gone through the account <em>identity</em> <em>verification</em> process, and had enabled the secure 2XXXXstep <em>verification</em> to access to my account on the site, so I was confused as to why my account would be locked."]},"sort":[18.417358,"5196503"]},{"_index":"complaint-public-v1","_id":"21561590","_score":18.31915,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Nature of the Dispute : I am filing this complaint against PayPal XXXX XXXX for the continued withholding of my funds for over XXXX months and their failure to resolve a technical error in their banking system that prevents me from withdrawing my balance. \n\nComplaint Details : Initial Issue : Approximately XXXX year ago, I created an account using a pseudonym. At the time, the interface did not explicitly state a legal name requirement. Upon receiving funds, I was asked for identity verification, which I provided. PayPal immediately permanently limited my account. \n\nXXXX XXXX : I offered to verify my identity through any means, including a live camera session, but PayPal refused and placed a XXXX hold on my funds. \nXXXX XXXX XXXX : After the XXXX period expired, PayPal notified XXXX that I could withdraw my funds. However, their system incorrectly claims my bank account is already linked to XXXX other accounts. This is a factual error ; I do not have other accounts linked to this bank. This appears to be a glitch caused by previous attempts to link/unlink the account within their system. \n\nFailed Support : Support representatives suggested I send the money to a friend 's email. I attempted this with several verified friends, but PayPal 's system blocked every transaction, claiming the receiving accounts were \" suspicious '' or had \" errors. '' Current Status : My funds have been held for a total of XXXX years. Customer support is now consistently ignoring my messages and failing to provide a manual solution. \n\nDesired Resolution : I demand that PayPal manually facilitate the transfer of my remaining balance to my designated recipient 's. I no longer wish to troubleshoot their automated system and request a human intervention to release my property immediately.","date_sent_to_company":"2026-04-24T11:55:05.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"21561590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-24T11:42:37.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>attempted</em> this with several <em>verified</em> friends, but PayPal 's system blocked every transaction, <em>claiming</em> the receiving accounts were \" suspicious '' or had \" <em>errors</em>. '' Current Status : My funds <em>have</em> been held for a total of XXXX years. Customer support is now consistently ignoring my <em>messages</em> and failing to provide a manual solution. \n\nDesired Resolution : I demand that PayPal manually facilitate the transfer of my remaining balance to my designated recipient 's."]},"sort":[18.31915,"21561590"]},{"_index":"complaint-public-v1","_id":"8084734","_score":18.072264,"_source":{"product":"Credit card","complaint_what_happened":"On multiple occasions, including XX/XX/2023, I have attempted to contact Synchrony Bank/Amazon about the inaccessibility to my account because of their refusal to use my hearing Assist phone number for the two-step authentication. Synchrony Bank XXXX has continuously blocked my access to update payment methods or make a payment because they demand a live phone call. Due to being XXXXXXXX, I do not talk on the phone.\n\nSynchrony Bank Amazon has now been reporting my payments as LATE but refuse to allow me access to my account in order to make a payment. \n\nTheir ID verification system errors out each and every single time I attempt to use it, claiming it can not upload my ID. \n\nThey continue to demand a live phone call with me to verify my identity and refuse to make any form of accommodation to update my contact information to a phone number that can receive text messages. The phone number i originally provided functioned with their system but they have since blocked it and now refuse to allow the only number I have to be used for the electronic automatic two-step authentication. \n\nSynchrony Bank XXXX is discriminating against me and causing severe irreparable damage to my name and credit report by demanding a live phone call for identity verification, even though they know I am XXXX. Even with active chat with an agent attempting to address the issue, she attempted to CALL ME XXXX knowing I am XXXX  and unable to talk on the phone. When I didn't answer the phone call, she also disconnected the chat and refused to assist me.","date_sent_to_company":"2023-12-31T13:30:57.000Z","issue":"Problem when making payments","sub_product":"Store credit card","zip_code":"666XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8084734","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-12-31T13:18:57.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Their ID <em>verification</em> system <em>errors</em> out each and every single time I <em>attempt</em> to use it, <em>claiming</em> it can not upload my ID. \n\nThey continue to demand a live phone call with me to <em>verify</em> my <em>identity</em> and refuse to make any form of accommodation to update my contact information to a phone number that can receive text <em>messages</em>."]},"sort":[18.072264,"8084734"]},{"_index":"complaint-public-v1","_id":"10868392","_score":17.50031,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have an account with Coinbase.com. Recently, I tried logging into my account, entered the XXXX code generated by my authenticator app, and was then prompted to verify my identity. Following the instructions on their website, I submitted photos of my drivers license and a short video. Despite completing the process, the verification failed. I repeated this process multiple times, and each time, I was informed that the verification failed again. \n\nI called XXXX customer service helpline for assistance. The customer service associate ( XXXX  ) placed me on long holds several times, claiming each time that the team was working on the issue. I was instructed to change my password, which I did, and the XXXX assured me that my identity had been manually verified by their team and that I would now be able to log in. However, when I attempted to log in again, I was met with an error stating that I had attempted to verify my identity too many times and needed to try again in a few minutes. \n\nI requested that the case be escalated, but the XXXX informed me that it can not be escalated. When I asked to speak with a supervisor, the XXXX refused to connect me to XXXX or provide further details on why the verification had failed. After waiting approximately XXXX minutes, I tried again and received the same error message : try again in a few minutes. When I asked the XXXX  what the duration of a few minutes actually meant, I was told there was no defined timeline and to simply keep trying. This response was vague and unhelpful. \n\nThe XXXX  also requested that I provide photos of my immigration and travel documents instead of my government-issued drivers license, which I declined to do due to privacy concerns, especially given Coinbases repeated failure to verify my identity. When I expressed frustration over being unable to access my account or funds, the XXXX went as far as to threaten to cancel my account. The call lasted over XXXX minutes, during which I received no clarity on why the verification failed, no resolution to my issue, and no escalation of my case to a supervisor or anyone who could assist further. However, I was threatened with cancellation of my account and the potential confiscation of my funds. \n\nAfter waiting nearly XXXX hours, I attempted to log in again multiple times, only to experience the same errors, despite being told that the issue had been resolved. Coinbase has not reached out to me with any updates, and no further attempts to resolve this issue have been made. My funds remain inaccessible, and I am left in a state of complete frustration and helplessness.","date_sent_to_company":"2024-11-20T21:40:33.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"43017","tags":null,"has_narrative":true,"complaint_id":"10868392","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2024-11-20T21:04:57.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The customer service associate ( XXXX  ) placed me on long holds several times, <em>claiming</em> each time that the team was working on the issue. I was instructed to change my password, which I did, and the XXXX assured me that my <em>identity</em> had been manually <em>verified</em> by their team and that I would now be able to log in. However, when I <em>attempted</em> to log in again, I was met with an <em>error</em> stating that I had <em>attempted</em> to <em>verify</em> my <em>identity</em> too many times and needed to try again in a few minutes."]},"sort":[17.50031,"10868392"]},{"_index":"complaint-public-v1","_id":"14240347","_score":17.489408,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing a debt that Credit Control , LLC is attempting to collect on behalf of XXXX XXXX. I recently received an email from them claiming I owe a balance of {$1800.00} related to a XXXX XXXX account. The message included a reference number but did not provide any proper validation or documentation to support the claim. \n\nI do not recognize this debt and have not received proof that Credit Control , LLC has the legal authority to collect on it. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt, including : A breakdown of the amount claimed Documentation proving I owe the debt Proof that Credit Control , LLC has the legal right to collect on behalf of XXXX XXXX XXXX such validation is provided, I am requesting that all collection activity cease. I believe this may be an error, a case of mistaken identity, or an invalid debt, and I would like the matter to be thoroughly investigated.\n\nCredit Control , LLC previously closed my initial complaint without resolving the issue, stating they could not respond without identity verification. To address that : Full Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am resubmitting this complaint with all necessary verification information and request a full investigation and removal of this debt from my credit report if it can not be legally validated.","date_sent_to_company":"2025-06-23T20:16:20.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"28110","tags":null,"has_narrative":true,"complaint_id":"14240347","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Control, LLC","date_received":"2025-06-23T20:11:55.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am disputing a debt that Credit Control , LLC is <em>attempting</em> to collect on behalf of XXXX XXXX. I recently received an email from them <em>claiming</em> I owe a balance of {$1800.00} related to a XXXX XXXX account. The <em>message</em> included a reference number but did not provide any proper validation or documentation to support the <em>claim</em>. \n\nI do not recognize this debt and <em>have</em> not received proof that Credit Control , LLC has the legal authority to collect on it."]},"sort":[17.489408,"14240347"]},{"_index":"complaint-public-v1","_id":"14743753","_score":17.425331,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX for XXXX and applied for and use their Uber Pro card which allows for automatic cash outs whenever I complete a drive/delivery. On the afternoon of XX/XX/scrub> 2025, I was driving for XXXX and was on the way to pick up a rider when I received a phone call from XXXX, the number that popped up on screen was XXXX. I answered the call, the XXXX automated voice recording was spot on and a man picked up on the other line. I thought that it was the rider calling me but it was a representative from XXXX named XXXX XXXX. XXXX XXXX informed me that a previous rider complained that I did not look like the same person as my profile picture that she saw when I accepted the ride. So as compensation I would be getting {$150.00} for the waste of my time on the call and for a false complaint that was filed against me. He also stated that the ride that I had just accepted and was on the way to pick up was a fake ride and that I needed to cancel it and stop accepting rides to verify my identity. As an XXXX driver ; when you hit Go to go online the app will sometimes make you take a selfie to verify your identity. After I cancelled that ride and went offline and back online, I had to verify my identity again. XXXX XXXX knew the name of the rider that I was about to pick up as well as their location so I was under the impression that I was in fact speaking with someone from XXXX. Identity is verified again and all is well, he then begins the process of sending me the {$150.00} compensation. He asks me to go to my Uber Pro card app and verify how much money was in the account, I told him, it was {$210.00}. XXXX then says that I need to add a new card to my account to be able to move money from that card to my account. I enter the card number and he tells me that I need to attempt to move the money from my account to the card that he had me add for verification and that I will receive an error message when attempting to confirm the transfer. I obviously did not get an error message and the transfer was completed and XXXX XXXX ended the call. The voice recording when you try to call the number is still an XXXX message and then goes to a recording that the number can not be completed as dialed. I submitted a claim to dispute the transaction with the Uber Pro Card bank, powered by Branch, which is partnered and powered by XXXX XXXX XXXX XXXX. They denied my initial transaction dispute, I appealed it and they automatically denied it due to no new information being provided. I did ask to speak with a supervisor and they said that the only way that I can speak with a supervisor is if I request it over email. I am waiting for that to be scheduled and for that to happen. I have submitted everything that I have told you to them and they still denied it.","date_sent_to_company":"2025-07-18T16:06:53.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"31404","tags":null,"has_narrative":true,"complaint_id":"14743753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Branch Messenger, Inc.","date_received":"2025-07-18T14:50:29.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["I enter the card number and he tells me that I need to <em>attempt</em> to move the money from my account to the card that he had me add for <em>verification</em> and that I will receive an <em>error</em> <em>message</em> when <em>attempting</em> to confirm the transfer. I obviously did not get an <em>error</em> <em>message</em> and the transfer was completed and XXXX XXXX ended the call. The voice recording when you try to call the number is still an XXXX <em>message</em> and then goes to a recording that the number can not be completed as dialed."]},"sort":[17.425331,"14743753"]},{"_index":"complaint-public-v1","_id":"9068022","_score":16.711306,"_source":{"product":"Credit card","complaint_what_happened":"I have a Lowe 's store credit card, which I have had since XXXX. I tried making a purchase online with more than sufficient balance to cover the purchase, but the purchase was declined. This is the first time I have ever had a card purchase declined. I called the customer service number and received a message that I needed to activate a new card. I then activated the new card, and then attempted to make the same purchase. I then called back customer service and was transferred to the Fraud department where they said they needed to text me a code to the phone number under my account for verification purposes. I received the text message with the code and read it to the representative who asserted that the code was incorrect. I re-read the code to her multiple times and she kept saying it was the wrong code. She then said their ONLY OPTION FOR IDENTITY VERIFICATION IS THROUGH FACIAL RECOGNITION AND THAT I WOULD ALSO HAVE TO PROVIDE ID. As someone who is has been the victim of identity theft BECAUSE OF THE XXXX breach, I don't do FACIAL Recognition NOR WOULD I PROVIDE MY SCAN AND SEND MY DL TO some third party verification company to subject myself to potentially more identify theft by having my face and ID stored in some third-party entity side. I ask to speak to a Manager. Some guy who seemed more focused on hearing his own voice listening to my explaining all of the above. He then claimed that the text wasn't accepted because I was calling over a XXXX network which is emphatically not true as I was calling directly from my mobile phone which is a nationally recognized US mobile phone provider. He then refused to correct that THEIR SYSTEM falsely identified my phone as a XXXX network. He then kept going round and round and round about facial recognition despite my telling him 1/2 dozen time that it was off the table AND THE ERROR IS THEIR SYSTEMS ERROR. \n\nSurely, the CFPB can install measures to require these companies to correct their own internal programming errors perpetuated upon consumers - forcing consumers to jump through hurdles, hoops and obstacle courses to get these companies to correct their own errors to be able to access our accounts. Enough is enough. You won the battle. You're free now to take measures to protect consumers from this constant ridiculousness.","date_sent_to_company":"2024-05-22T16:06:26.000Z","issue":"Trouble using your card","sub_product":"Store credit card","zip_code":"217XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9068022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-05-22T15:44:38.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["She then said their ONLY OPTION FOR <em>IDENTITY</em> <em>VERIFICATION</em> IS THROUGH FACIAL RECOGNITION AND THAT I WOULD ALSO <em>HAVE</em> TO PROVIDE ID. As someone who is has been the victim of <em>identity</em> theft BECAUSE OF THE XXXX breach, I don't do FACIAL Recognition NOR WOULD I PROVIDE MY SCAN AND SEND MY DL TO some third party <em>verification</em> company to subject myself to potentially more identify theft by <em>having</em> my face and ID stored in some third-party entity side. I ask to speak to a Manager."]},"sort":[16.711306,"9068022"]},{"_index":"complaint-public-v1","_id":"14461601","_score":16.46156,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Back in XXXX of XXXX, Equifax had me submit various documents to verify my identity, due to my inability to access my account on their online portal, after several years of inactivity on my part. I submitted all the requested docs and Equifax was able to confirm my data, and claimed I would have access to my account online moving forward. However, every time I attempt to log into my account, I consistently get an error message telling me to contact customer service, and every time I report the error which is preventing me from accessing my account, asking them to correct the issue so I don't have to call in. They always inform me that they have fixed the issue and should work now, but this is not the case. This issue has persisted for over XXXX  months with no resolve, after multiple requests to Equifax. I am being deprived of my right to access my credit profile without any reasonable explanation as to why, preventing me from equal access to file disputes and review my file on equal footing with my peers. If equifax fails to reciprocate after reaching out to your agency, I am going to sue it for descrimination, since it has not bothered to explain why its barring me from access to my own info.","date_sent_to_company":"2025-07-04T20:06:15.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"585XX","tags":null,"has_narrative":true,"complaint_id":"14461601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-04T19:39:31.000Z","state":"ND","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Back in XXXX of XXXX, Equifax had me submit various documents to <em>verify</em> my <em>identity</em>, due to my inability to access my account on their online portal, after several years of inactivity on my part. I submitted all the requested docs and Equifax was able to confirm my data, and <em>claimed</em> I would <em>have</em> access to my account online moving forward."]},"sort":[16.46156,"14461601"]},{"_index":"complaint-public-v1","_id":"8620320","_score":15.76315,"_source":{"product":"Debt collection","complaint_what_happened":"Have received approximately 25 calls ( which are continuing at XXXX per day ) from Hyundai Motor Finance asking me to contact their collections department. The calls do not ask for anyone by name. \nI have no loan, no lease, and no relationship with Hyundai. I have never owned nor leased a Hyundai automobile. I've never even set foot in a Hyundai dealership. \nI have made several calls to Hyundai Motor Finance asking that the calls stop with no effect. Customer service representatives state that my telephone number does not appear in their system as being associated with any account. I suspect this is incorrect as their automated phone system does appear to recognize my number as it asks me to verify my account with the last 4 digits of my social security number which, obviously, I have not done. \nI have owned this telephone number for at least 20 years and I'm not aware of any problem with identity theft or any type of fraud that would have my number associated with any other identity or financial account. \nI have attempted to contact at least 6 top-level executives of Hyundai Motor Finance / Hyundai Capital America but it appears that their corporate email is set up to block emails from outside their own domain as all emails have resulted in error messages. \nAfter speaking to someone claiming to be a manager within their collections department I was promised that the complaint would be escalated to the team that handles their call system and that the calls would stop within 48 hours. That was over a week ago and the calls continue on a daily basis. \nI can provide call history of each and every one of their numerous calls and of my attempts to resolve this situation with them.","date_sent_to_company":"2024-03-24T15:32:40.000Z","issue":"Communication tactics","sub_product":"Auto debt","zip_code":"08721","tags":null,"has_narrative":true,"complaint_id":"8620320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2024-03-24T15:13:24.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>attempted</em> to contact at least 6 top-level executives of Hyundai Motor Finance / Hyundai Capital America but it appears that their corporate email is set up to block emails from outside their own domain as all emails <em>have</em> resulted in <em>error</em> <em>messages</em>. \nAfter speaking to someone <em>claiming</em> to be a manager within their collections department I was promised that the complaint would be escalated to the team that handles their call system and that the calls would stop within 48 hours."]},"sort":[15.76315,"8620320"]},{"_index":"complaint-public-v1","_id":"4030435","_score":14.902681,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I opened a Victoria Secret Credit Card with Comenity Bank in XXXX, Ohio. I had a fraud alert placed on my credit report that requires credit issuers to verify additional information regarding my identity since XX/XX/2020. After, I opened the Victoria Secret account online, I received a letter to call the bank to verify information by phone only. The information was successfully verified and a credit card was mailed to my address. I later attempted to use the credit card at the store but the card was declined. The store clerk physically scanned a copy of my Kentucky State government identification card but card still remain locked. I was told to call customer service. I called customer service. The representative alleged she mailed multiple letters stating that I need to verify my identification a second time, although I had already verified it. I never received such a subsequent letter, but I only received billing statements showing no payment due. The representative alleged I needed to send copies of a picture identification ( front and back ), a copy of a social security card and federal W-2 tax forms. I sent in the documents provided by the representative, but after 30-days, I never heard from the bank again, the account remained active. Oddly, during this same waiting period, I started receiving massive phishing scams from other companies by email, text messages, and physical mail. All three credit bureaus added fraudulent delinquencies and altered my credit score by 100 points. I received fraudent inquiries from the Kentucky state voters registration database. I received fraudulent notices alleging to be from the IRS that claimed my identity can't be verified with payment slips attached to send money, when no payment was due. Also, XXXX XXXX XXXX fraudulently closed done my cell phone a few weeks ago, although it was prepaid cell phone, claiming the company can longer verify my identity and that I need to come to store in person to verify my identity. All this companies sent computer generated notices claiming legitimate accounts are be closed after alleging fraudlent transactions were taking place, when no transactions existed and no bills were due. Also, my autopayments for multiple insurance and another credit cards was stop without notice. After investigation by XXXX XXXX XXXX, this false notices appear to be from website technical error or a XXXX attack. Recently, in the news Russians have attacked multiple government agencies through a \" back door '' XXXX  attack. There also appears to be a DoS ( Denial of Service ) XXXX Attack. I believe this employees are engaging in phishing scams or these companies were effected by the recent XXXX XXXX attacks in the United States. My legitimate accounts are being closed and credit bureaus reports are being updated with phony addresses in Virginia, 30 minutes from Washington DC or the XXXX, which indicates these are XXXX attacks or XXXX.","date_sent_to_company":"2020-12-24T20:19:28.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"402XX","tags":null,"has_narrative":true,"complaint_id":"4030435","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2020-12-24T19:30:12.000Z","state":"KY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Also, XXXX XXXX XXXX fraudulently closed done my cell phone a few weeks ago, although it was prepaid cell phone, <em>claiming</em> the company can longer <em>verify</em> my <em>identity</em> and that I need to come to store in person to <em>verify</em> my <em>identity</em>. All this companies sent computer generated notices <em>claiming</em> legitimate accounts are be closed after alleging fraudlent transactions were taking place, when no transactions existed and no bills were due."]},"sort":[14.902681,"4030435"]},{"_index":"complaint-public-v1","_id":"17871905","_score":14.775328,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Final CFPB Complaint XXXX  Account Freeze, Identity Verification Failures, and Permanent Deactivation Without Cause I am filing this complaint regarding XXXX  ongoing mishandling of my account, including repeated failures to verify my identity, continued issuance of account statements despite freezing my access, and a sudden permanent deactivation without a clear or legitimate explanation. \n\nBackground I have been a XXXX  user since XXXX. I used my account regularly and legitimately, as shown in the attached historical email receipts from XXXX. For many years, my account functioned normally. \n\nIn XXXX, my account was unexpectedly frozen due to an alleged identity verification issue. Since then, I have tried repeatedly to resolve this matter, but XXXX  continues to state they can not verify my identity, despite my providing proper, government-issued identification multiple times. \n\nAttempts to Resolve the Issue From XXXX  through XXXX, I have : Submitted the requested identity documents several times. \nContacted XXXX  support repeatedly. \nReceived only generic, copy-and-paste responses from offshore support agents. \nBeen given no explanation of what can not be verified or what is allegedly wrong with my documentation. \nBeen given no alternate verification process or escalation option. \n\nEven more concerning, XXXX  continues to send me quarterly account statements, implying the account is still active, but I am completely locked out. \n\nRecent Correspondence Most recently, on XX/XX/XXXX, XXXX  emailed me stating : My account is permanently deactivated. \nThey claim this decision was made on XX/XX/XXXX ( which I was not properly informed of ). \nThey will no longer respond to any future contact regarding this matter. \nThey temporarily reopened my account access only long enough to withdraw remaining funds. \n\nTheir message did not identify any actual violation, concern, or activity that justified a permanent closure. It is a conclusory statement with no facts. \n\nMajor Issues 1. XXXX froze my account for years without offering a real identity-verification resolution.\n\n2. XXXX continued sending quarterly statements while refusing to allow me access to the account.\n\n3. XXXX permanently closed the account without explaining what rule or activity was supposedly violated.\n\n4. XXXX  will not respond to customer service inquiries, even though this issue stems from their verification system errors.\n\n5. I was deprived of fair use of my account for years despite acting in good faith and providing all requested documentation. \n\nRequested Resolution I am requesting the following : 1. A manual review of my identity documentation by a trained, U.S.-based representative.\n\n2. A detailed explanation of the alleged concerns that led to the account freeze and XXXX  permanent deactivation. \n3. Reinstatement of my XXXX  account, or assistance in creating a new account if reinstatement is not possible. \n4. Confirmation that quarterly statements will not continue for a closed account. \n5. Written assurance that this will not affect my ability to use XXXX or XXXX services in the future. \n\nWhy CFPB Assistance Is Needed XXXX has repeatedly failed to provide transparency, refused to explain their reasoning, and blocked all future communication despite years of my good-faith attempts to resolve this. Their actions have been inconsistent, unreasonable, and have left me without any available path to resolution. \n\nI am requesting CFPB assistance to ensure a fair review and a legitimate explanation for their decisions.","date_sent_to_company":"2025-12-09T14:16:44.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"28401","tags":null,"has_narrative":true,"complaint_id":"17871905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-12-09T13:58:44.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In XXXX, my account was unexpectedly frozen due to an alleged <em>identity</em> <em>verification</em> issue. Since then, I <em>have</em> tried repeatedly to resolve this matter, but XXXX  continues to state they can not <em>verify</em> my <em>identity</em>, despite my providing proper, government-issued identification multiple times. \n\n<em>Attempts</em> to Resolve the Issue From XXXX  through XXXX, I <em>have</em> : Submitted the requested <em>identity</em> documents several times. \nContacted XXXX  support repeatedly."]},"sort":[14.775328,"17871905"]},{"_index":"complaint-public-v1","_id":"6486194","_score":14.747874,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, I was a minor. Under the \" XXXX XXXX XXXX XXXX  '' program, my mother requested that XXXX, TransUnion, and XXXX place a credit freeze on my report. TransUnion and XXXX said that the freeze would automatically be removed when I turned XXXX. \n\nIn XX/XX/XXXX, I attempted to place a freeze on my XXXX, TransUnion, and XXXX reports. I also attempted to obtain my free credit reports from the three bureaus. I was successful in freezing my XXXX and XXXX reports and obtaining my free reports from those bureaus. \n\nHowever, I was not able to freeze or get my free TransUnion report via XXXX. I attempted to freeze my report via the TransUnion website and via phone. Neither method was successful. When I registered for a TransUnion account, the website said that I failed \" identity verification '' and needed to call for assistance. After calling the Website Access Support team phone number listed on the website, I was told to email two forms of identification - my driver 's license and a recent account statement- to XXXX. I emailed my two forms of ID on XX/XX/XXXX. \n\nThree weeks passed by with no reply from TransUnion, so I had given up on being able to manage my freeze via my TransUnion account. So, on XX/XX/XXXX, I called the TransUnion support main line at ( XXXX ) XXXX to attempt to freeze my credit. After asking me for my personal information and a XXXX freeze PIN, the automated system said that there was an error and transferred me to a human agent. An agent in the Special Handling department told me that my file was suppressed. I was unaware of this, as the freeze that my mom requested when I was a minor supposedly expired when I turned XXXX. Additionally, a freeze and suppression are, to my knowledge, not the same thing. The agent told me that I would need to have the suppression removed in order to manage my credit freeze or view my report. I requested to have the suppression on my report that I did not even know about removed from my file, and to have a credit freeze added to my report. I was told that this was done. \n\nIn a subsequent phone call on XX/XX/XXXX, I spoke with an agent in the online customer relations team about my issues accessing my TransUnion online account. The agent was able to assist me in gaining access to my online account by removing the \" identity verification '' hold over the phone. However, the agent claimed that I would need to have a minimum of 2 lines of credit on my report to be able to use the functions of the online account ( e.g. credit freeze, requesting a report ). \n\nCurrently, when I log into my TransUnion service account, the status of my credit freeze is shown as \" unknown '' with the message \" The TransUnion Credit Freeze Service is temporarily unavailable ''. Attempting to request my credit report results in the message \" We're unable to complete your request online ''.","date_sent_to_company":"2023-01-25T23:11:38.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"30066","tags":null,"has_narrative":true,"complaint_id":"6486194","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-25T22:09:01.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The agent was able to assist me in gaining access to my online account by removing the \" <em>identity</em> <em>verification</em> '' hold over the phone. However, the agent <em>claimed</em> that I would need to <em>have</em> a minimum of 2 lines of credit on my report to be able to use the functions of the online account ( e.g. credit freeze, requesting a report )."]},"sort":[14.747874,"6486194"]},{"_index":"complaint-public-v1","_id":"2970532","_score":14.662352,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I would like to file a complaint against Experian Credit Bureau for repeatedly failing my remote identity verification requests via online or by phone when I have provided the correct personal, demographic and financial information based on their recent credit report ; this created financial losses and greatly restricted my professional career advancement. \n\nI am a licensed XXXX XXXX agent   since XX/XX/XXXX. In order to work independently and fully function as a XXXX XXXX agent, I must have access to XXXX, a secure application to view Medicare beneficiaries profiles regarding their current Medicare Advantage Prescription Drug ( MAPD ) plan and Low Income Subsidy ( LIS ) level. However, Centers for Medicare and Medicaid ( CMS ) uses Experian as their third party online remote identity proof vendor, and Experian has continuously failed my requests for identity verification via online and by phone without any support to resolve the problem, even after I have filed a dispute with them via mail with all supporting documentation. Below is a summary of events that happened : XX/XX/XXXX 1. I tried to request access to XXXX secure system, XXXX, via XXXX, but unable to pass the online remote identity verification under Experian. I received instructions to contact Experian Help Desk 2. I contacted Experian Help Desk, Rep. XXXX attempted to complete a telephonic identity verification but failed. He referred me to XXXX XXXX Help Desk at XXXX XXXX. Contacted XXXX XXXX Help Desk, and they referred me to XXXX Help Desk at XXXX for manual identity verification 4. Contacted XXXX Help Desk, received message that they no longer provide manual verification, that I should keep trying to pass the online remote identity verification under Experian up to six times a day 5. Called Experian Help Desk back and spoke to Rep. XXXX, whom attempted telephonic verification and stated there was nothing they could do ; she then referred me to XXXX XXXX at XXXX. I later contacted XXXX XXXX, and they referred me back to XXXX Help Desk 6. I verified the information against Experian credit report obtained via their XXXX service back in early XXXX XXXX, found no discrepancies with the information I submitted via the verification process, yet Experian system continued to fail my verification attempts XX/XX/XXXX 1. Continued multiple attempts to pass the online remote identity verification by Experian via XXXX but received same failure message 2. Contacted XXXX   Help Desk, spoke to Rep. XXXX, whom confirmed again there was no more manual verification, that I must contact Experian to have this problem resolved as the information were feed by Experian system 3. Attempted to access free annual credit report from Experian via XXXX, but received error message We were unable to honor your request. If you entered your credit card information, we did not charge you XX/XX/XXXX 1. Contacted Experian Help Desk and failed telephonic verification again ; I was referred to their website for further assistance but unable to find any information or contact # for related issues 2. Obtained free annual credit reports from both XXXX and XXXX via XXXX without any issue. Compared information on the reports with my answers to the security questions asked by Experian during their online and phone identity verification process and found no discrepancies. Could not understand why Experian continued to fail my attempts with their identity verification process XX/XX/XXXX 1. Called XXXX and ordered a free Experian annual credit report via automated phone system and filed complaint against Experian online via XXXX XX/XX/XXXX 1. Contacted Experian XXXX Customer Service at XXXX, whom transferred call to Experian Dispute Department. Rep. XXXX at Dispute Department submitted ticket to review my issue, stated it would take 5-7 business days for review XX/XX/XXXX 1. Followed up with Experian Dispute Department at XXXX, Rep. XXXX confirmed ticket sent on XX/XX/XXXX, but unable to verify if case is open or closed ; hell send e-mail for follow up XX/XX/XXXX XXXX. Followed up with Experian Dispute Department, Rep. XXXX transferred call to Rep. XXXX at Experian Verification Department, whom referred me to follow up with Social Security Administration. Later spoke to Rep. XXXX at Experian Verification Department, whom stated my only options left were to speak to my employer or contact the XXXX XXXX XXXX again at XXXX or XXXX 2. I was able to pass the telephonic identity verification via Experian Verification Department, yet they claimed my issue must be resolved through Experian Help Desk 3.  Contacted the XXXX XXXX XXXX at both numbers, XXXX and XXXX. I was referred to XXXX XXXX XXXX Help Desk this time, whom referred me back to XXXX Help Desk as they do not handle Medicare related security access issues XX/XX/XXXX 1. Visited my local social security office and confirmed they had the correct information on me in their master file ; they also confirmed they did not have me listed as deceased thus should not cause issues with Experian XX/XX/XXXX 1. Contacted XXXX Help Desk with no resolution XX/XX/XXXX 1. Contacted XXXX Help Desk with no resolution XX/XX/XXXX 1. As my last desperate attempt, I mailed in my dispute to Experian with a cover letter explaining my issue along with proof documentation, such as screenshots of my answers to the security questions. I requested that they review if there may be any technical issues on their end so that my problem could be resolved XX/XX/XXXX 1. Received Dispute Result credit report from Experian in response to my dispute. The report showed they made a minor update the format of my permanent address without addressing my actual concern. I continued to have problems getting through their identity verification process to gain secure access to XXXX system via XXXX As you can see, I have tried all possible options : Experian Help Desk, XXXX XXXX Help Desk, Medicare XXXX Help Desk, Experian Dispute/Verification Department, the national and XXXX XXXX XXXX XXXX , Social Security Administration, and my employer, yet none were able to resolve the issue. I have made different attempts using different variations of my name and addresses on the Experian credit report and failed. The Experian telephonic verifications pre-populated my information so there shouldnt be any name/address format discrepancies, yet I still failed the attempts. The same set of security questions were being asked every single time by Experian via their online and phone verification process, and I was 100 % sure that my answers were correct. However, Experian kept referring me to an outside party for a resolution when it was obvious that it was their system that was giving me the problem ; they could not explain as to why I have provided the correct personal and demographic information and answered the security questions correctly based on their recent credit report, yet their system still would not let me pass their identity verification process. \n\nI have attempted to resolve this issue since XX/XX/XXXX, and this has caused me a lot of stress and frustration. The Medicare annual election period is coming up in XX/XX/XXXX where Medicare beneficiaries would be allowed to make changes to their plans. There will be many sales opportunities, yet without access to XXXX, I would not be able to take full advantage of them. My livelihood and career are based on getting through Experians identity verification process via online or by phone so I can gain access to XXXX from Medicare, but Experians responses to my issue so far are completely unacceptable. Experian needs to take my issue more seriously instead of deferring the responsibility to someone else. I desperately need this issue resolved as soon as possible. \n\nSincerely,","date_sent_to_company":"2018-07-24T06:56:16.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11214","tags":null,"has_narrative":true,"complaint_id":"2970532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-07-24T02:36:23.000Z","state":"NY","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":["XXXX, whom confirmed again there was no more manual <em>verification</em>, that I must contact Experian to <em>have</em> this problem resolved as the information were feed by Experian system 3. <em>Attempted</em> to access free annual credit report from Experian via XXXX, but received <em>error</em> <em>message</em> We were unable to honor your request. If you entered your credit card information, we did not charge you XX/XX/XXXX 1."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[14.662352,"2970532"]},{"_index":"complaint-public-v1","_id":"2644620","_score":14.636246,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern My name is XXXX XXXX I am a victim of identity theft. I have mailed over certified letters to the credit bureaus and the creditors that will be listed in this message. My credit report has several errors and the companies included are : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 3 XXXX XXXX identity theft : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX I 've sent in certified letters asking each company to verify any documents bearing my signature and all of them have failed to show me any documents bearing my signature. Also to place an account on my credit without verifying the account, without me giving my consent to any creditor or bureau is breaking the law.\nThis letter is in response to your recent claim regarding Acct # *******, which you claim Such as I owe an unknown amount.\nYet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.\nBe advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.\nAdditionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they \" verified '' without providing any proof, bearing my signature.\nAs per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.\nI am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.\nBe aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.\nI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.\nFailure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : LAST FOUR XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.\nCc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau","date_sent_to_company":"2017-08-21T05:27:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"2644620","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-08-21T01:27:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To whom it may concern My name is XXXX XXXX I am a victim of <em>identity</em> theft. I <em>have</em> mailed over certified letters to the credit bureaus and the creditors that will be listed in this <em>message</em>."]},"sort":[14.636246,"2644620"]},{"_index":"complaint-public-v1","_id":"2623222","_score":14.623693,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern My name is XXXX XXXX. I am a victim of identity theft. I have mailed over certified letters to the credit bureaus and the creditors that will be listed in this message. My credit report has several errors and the companies included are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXXXXXX XXXX TransUnion : 3 XXXX XXXX identity theft : XXXX XXXX : XXXX XXXX : XXXX  XXXX XXXX I 've sent in certified letters asking each company to verify any documents bearing my signature and all of them have failed to show me any documents bearing my signature. Also to place an account on my credit without verifying the account, without me giving my consent to any creditor or bureau is breaking the law.\nThis letter is in response to your recent claim regarding Acct # *******, which you claim Such as I owe an unknown amount.\nYet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.\nBe advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.\nAdditionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they \" verified '' without providing any proof, bearing my signature.\nAs per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.\nI am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.\nBe aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.\nI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.\nFailure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : LAST FOUR XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.\nCc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau","date_sent_to_company":"2017-08-21T05:27:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"2623222","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-08-21T01:27:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a victim of <em>identity</em> theft. I <em>have</em> mailed over certified letters to the credit bureaus and the creditors that will be listed in this <em>message</em>."]},"sort":[14.623693,"2623222"]},{"_index":"complaint-public-v1","_id":"2623209","_score":14.618813,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern My name is XXXX XXXX. I am a victim of identity theft. I have mailed over certified letters to the credit bureaus and the creditors that will be listed in this message. My credit report has several errors and the companies included are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX : 3 Portfolio Recovery identity theft : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX I 've sent in certified letters asking each company to verify any documents bearing my signature and all of them have failed to show me any documents bearing my signature. Also to place an account on my credit without verifying the account, without me giving my consent to any creditor or bureau is breaking the law.\nThis letter is in response to your recent claim regarding Acct # *******, which you claim Such as I owe an unknown amount.\nYet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.\nBe advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.\nAdditionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they \" verified '' without providing any proof, bearing my signature.\nAs per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.\nI am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.\nBe aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.\nI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.\nFailure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : LAST FOUR 4558 P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.\nCc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau","date_sent_to_company":"2017-08-21T05:27:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"2623209","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2017-08-21T00:35:25.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a victim of <em>identity</em> theft. I <em>have</em> mailed over certified letters to the credit bureaus and the creditors that will be listed in this <em>message</em>."]},"sort":[14.618813,"2623209"]},{"_index":"complaint-public-v1","_id":"4982162","_score":14.131549,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I opened a XXXX debit card account. I emailed XXXX a photocopy of my state identification card and IRS tax returns to verify my identity. XXXX reviewed and accepted my documents and mailed my permanent XXXX card. My account is active and in good standing. I downloaded the XXXX App and created an online account. I attempted to mobile deposit a government check ( unemployment insurance ). I endorsed the check and took a clear legible photograph of front and back. I then received a verification error message. It stated Ingo Money Services was unable to verify my identity and to deposit elsewhere. This is egregious for Ingo Money Services. I have already successfully submitted my valid state identification card and IRS tax forms. How are they unable to verify my identity? My ID card is not expired and was approved by XXXX. The name on my check is the same as it appears on my state ID, IRS tax return and XXXX account. I called XXXX to ask why Im unable to deposit my government check. They said I have to contact Ingo Money Services. XXXX indicated they accept unemployment checks. I called Ingo Money Services on Monday, XX/XX/2021 and was on hold for over an hour. Then I spoke to a female representative ( XXXX XXXX ) who was rude and continued to interrupt after I asked her not to. She had an unprofessional tone and continued to interrupt on purpose. She refused to answer my questions. Then after providing my personally identifiable information, she stopped talking and I was on the call without any sound. The phone conversation occurred around XXXX XXXX. PST. The telephone number I called was ( XXXX ) XXXX. I asked the agent to call me back if the call was disconnected. She indicated yes, however, I never received any call back. Essentially, she deliberately lied and was dishonest to the core. This reflect poorly upon Ingo Money Services and XXXX. \n\nPlease be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims court action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Federal Trade Commission CC : Attorney Generals Office","date_sent_to_company":"2021-12-07T07:51:29.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"90044","tags":null,"has_narrative":true,"complaint_id":"4982162","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ingo Money, Inc.","date_received":"2021-12-07T02:36:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem adding money"},"highlight":{"complaint_what_happened":["I emailed XXXX a photocopy of my state identification card and IRS tax returns to <em>verify</em> my <em>identity</em>. XXXX reviewed and accepted my documents and mailed my permanent XXXX card. My account is active and in good standing. I downloaded the XXXX App and created an online account. I <em>attempted</em> to mobile deposit a government check ( unemployment insurance ). I endorsed the check and took a clear legible photograph of front and back. I then received a <em>verification</em> <em>error</em> <em>message</em>."]},"sort":[14.131549,"4982162"]},{"_index":"complaint-public-v1","_id":"3240628","_score":13.884804,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019, I disputed the ownership of a collections account in the amount of {$110.00} that is listed on my Equifax credit report. Remaining skeptical of the integrity of Equifax, I maintained diligent records of all activity, including e-mails, confirmation numbers, times and dates, screenshots, webpages, credit reports, etc. I received an e-mail from Equifax on the same day containing a confirmation number, and a URL link to a webpage where I could view the status of my dispute at any time. On numerous occasions I have attempted to access the status of my dispute from the Equifax website, using the provided URL link as well as going to the website first and going through the steps manually to reach the dispute status page, without ever being able to gain access. Before my dispute was \" completed '', as Equifax says via e-mail, when I would attempt to view my dispute status, I would see a webpage that claimed they \" could not verify my identity '', and they would need me to send them proof of my identity in the mail. This was red flag # 1 to me, as I have used the exact same information in the past to view my credit report, prior to starting my dispute with them. I am certain that I know my own address and date of birth, and Equifax suggesting otherwise is silly to me, and raises concerns of malice towards me. Seeking advice on why I would see this message, I have heard from some this may be an attempt for Equifax to extend the 30 day period required by law to complete their dispute investigation by another 15 days, by reason of me \" updating the information for my dispute ''. Whether or not this is true, I can not say, but I will say that it has me concerned. I maintain records of these actions. \n\nOn XX/XX/2019, I received an email from Equifax stating they have \" completed my dispute request ''. Attempting to gain access to the status of my dispute would again prove impossible, as I would always receive an \" error '' message that is different from the above mentioned webpage concerning my identity. I would see a webpage that says \" service is currently unavailable '', on multiple occasions. Red flag # 2. I maintain records of these actions. \n\nOn XX/XX/2019, I attempt to view the status of my dispute, and I am again unable to gain access, with a webpage now saying that Equifax could not confirm my identity. Red flag # 3. I maintain records of these actions. \n\nIn the end, after the 30 day investigation period had elapsed, and to this day, currently, nothing has been changed in regards to the above mentioned collections account on my Equifax credit report. In reference to the FCRA, it is my knowledge that after any credit reporting bureau completes an investigation regarding a consumer dispute such as mine, the credit reporting bureau must : remove any disputed accounts from the consumer 's credit file, in the event that the account/debt could not be validated ; or the credit reporting bureau must update the account to reflect new information, including a notation mentioning that the consumer disputes the account, and the consumer shall be allowed to input a statement in regards to the dispute. It is also my knowledge, from the FCRA, that a credit reporting bureau has a period of 15 days from a consumer 's request to provide the method of verification used in their determination in an investigation of a dispute, including hard evidence going back to the original creditor, and not just a collections agency, that proves beyond a reasonable doubt that the debt belongs to the consumer. \nI hereby formally request of Equifax to provide to me the appropriate and verifiable evidence of the method of verification, upon receiving this complaint, and it is my understanding that upon receiving this complaint, Equifax has formally read and acknowledged this request, and accepts the responsibility of honoring it, without excuse. \nUnderstanding my rights and protections under federal law, I believe Equifax to be in gross violation of my consumer rights, and willfully negligent to fulfill their obligations, and in doing so, are causing me a significant amount of damage and grief, to my good character and reputation, making it near impossible to be approved for any line of credit, loan, or otherwise.","date_sent_to_company":"2019-05-13T17:12:57.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"18102","tags":null,"has_narrative":true,"complaint_id":"3240628","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-05-13T14:10:53.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Before my dispute was \" completed '', as Equifax says via e-mail, when I would <em>attempt</em> to view my dispute status, I would see a webpage that <em>claimed</em> they \" could not <em>verify</em> my <em>identity</em> '', and they would need me to send them proof of my <em>identity</em> in the mail. This was red flag # 1 to me, as I <em>have</em> used the exact same information in the past to view my credit report, prior to starting my dispute with them."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[13.884804,"3240628"]},{"_index":"complaint-public-v1","_id":"13147795","_score":13.837963,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to Credit Karma 's failure to protect my personal information, mishandling of a serious identity theft incident, unauthorized access to my credit reports, and misrepresentation of events in response to my previous complaint. \n\nOn XX/XX/year>, I received a letter from XXXX stating a personal loan application was submitted in my name. I did not submit this application and contacted Discovers fraud department. They confirmed the application originated from my Credit Karma account and had incomplete/missing information. Before this notice, a XXXX XXXX XXXX application was also submitted without my knowledge. \n\nI attempted to log into my Credit Karma account but was unable to, despite using my longstanding password. I contacted XXXX XXXX support team and received conflicting responses. XXXX agent claimed I had no phone number on file ( false I was receiving verification texts ). Another agent asked for ID verification, which I submitted successfully, but was later told it was \" invalid. '' A third agent then unilaterally deactivated my account without resolving anything and told me to \" create a new one, '' which I could not do. \n\nDespite my account being deactivated, Credit Karma accessed my XXXX credit file every day from XX/XX/XXXX to XX/XX/year>, without my permission. This activity appears on my official XXXX credit report. I have never given Credit Karma or their outside counsel authorization to access my credit file following the deactivation. \n\nI also engaged in communications with Credit Karmas outside attorney, XXXX XXXX XXXX XXXX XXXX XXXX, who acknowledged my demand letter and set a time to speak. However, he failed to attend the scheduled call, did not respond after I attempted to accommodate his schedule, and later sent vague emails avoiding accountability. \n\nCredit Karmas previous response to the CFPB completely ignored the issues of : Identity theft and loan applications made without my consent False information and mishandled recovery attempts Unlawful and unauthorized access to my credit report after deactivation Emotional distress and XXXX Ive suffered since this began This was not a technical error or misunderstanding. This is a pattern of neglect, data mishandling, and a failure to provide proper consumer protections under the Fair Credit Reporting Act ( FCRA ). \n\nI have preserved all emails, text messages, screenshots, and documents supporting this complaint. I am seeking a full investigation, and I intend to file suit if a resolution is not reached.","date_sent_to_company":"2025-04-23T22:32:32.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"78414","tags":null,"has_narrative":true,"complaint_id":"13147795","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2025-04-23T22:22:39.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>attempted</em> to log into my Credit Karma account but was unable to, despite using my longstanding password. I contacted XXXX XXXX support team and received conflicting responses. XXXX agent <em>claimed</em> I had no phone number on file ( false I was receiving <em>verification</em> texts )."]},"sort":[13.837963,"13147795"]},{"_index":"complaint-public-v1","_id":"18881665","_score":13.700529,"_source":{"product":"Credit card","complaint_what_happened":"I am a Capital One customer currently traveling in XXXX. In advance of travel ( last year ), I notified Capital One I would be abroad and, with Capital Ones assistance, updated my account phone number to a XXXX VOIP number that I use while traveling. \nFiles documenting a small part of this are listed at the end of this essay, with the link XXXX XXXX XXXX XXXX  available because some of the files are too large to send directly. \nExamples are the recordings that my system made when Capitol One tried to call me or I called them. These are in addition to many other files I saved with recordings and files from my phone, which are in my own control and can be turned on or off. As a note, any calls that I made were recorded by Capitol One as well, as noted in all of their phone calls. \n\nOn or about XX/XX/year>, Capital One restricted my credit card / card transactions after I activated a card remotely ( the physical card was at my U.S. address ) and attempted a {$100.00} test purchase, which was immediately declined/blocked as suspicious. Capital One instructed me to call to verify my identity.\n\nDuring multiple calls from XXXX XXXX XXXX XXXX, Capital One representatives repeatedly stated they could not verify my identity using my phone number because it is XXXX, even though this is the number on file and Capital One successfully sends security/verification messages to it. I received multiple Capital One XXXX  verify its you links to this same number ( from Capital One short code XXXX ), showing the number can receive their verification texts. However, when I attempted the verification flow, the link/portal failed with a Capital One system error ( e.g., the bank experienced a problem / server error ), preventing completion. \n\nBecause phone verification was not working, an agent instructed me to submit documents ( government photo ID/passport, pay stub, and a Capital One bank statement ) through a secure link. I complied immediately. I was told an older statement would be acceptable, but later Capital One rejected it as not within the last 60 days and acknowledged the earlier guidance was wrong. I then submitted a more recent statement, yet Capital One reset the process and repeatedly told me to wait up to 10 business days again.\n\nCapital One also improperly involved a third party : after I provided my brothers number only as a possible backup contact during the XXXX  discussion, Capital One called my brother multiple times while claiming they were trying to verify my number, including after I explicitly demanded they stop contacting him. When I demanded the brothers number be removed, Capital One stated they could not remove it because I was not verified, even though they were already using that number to contact someone else. \n\nThroughout this process, I was repeatedly transferred among specialists and managers who said they lacked authority to resolve the restriction or escalate to a team that could actually fix it. I have extensive evidence ( screenshots, call logs, and recordings ) showing contradictory instructions, verification system failure, unauthorized third-party contact, and prolonged denial of access despite full compliance.\n\nI believe Capital Ones handling was unfair and deceptive, caused unnecessary delay and harm, and created serious privacy concerns. \n\nXXXX  proof ( Capital One short code XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verification / ID flow screenshots Capital One verification page ( verified.capitalone.com ) ID requirements XXXX  portal showing SMS messages + verification links + wire alert Email evidence ( new card / one more thing ) Inbox row snippet showing one more thing / upload documents Email : Before your new card arrives, we need one more thing ( full email screenshot ) Inbox overview with multiple Capital One emails highlighted","date_sent_to_company":"2026-01-21T04:58:43.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"29150","tags":"Servicemember","has_narrative":true,"complaint_id":"18881665","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-21T02:52:34.000Z","state":"SC","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["However, when I <em>attempted</em> the <em>verification</em> flow, the link/portal failed with a Capital One system <em>error</em> ( e.g., the bank experienced a problem / server <em>error</em> ), preventing completion. \n\nBecause phone <em>verification</em> was not working, an agent instructed me to submit documents ( government photo ID/passport, pay stub, and a Capital One bank statement ) through a secure link. I complied immediately."]},"sort":[13.700529,"18881665"]},{"_index":"complaint-public-v1","_id":"12345286","_score":13.630512,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I logged into my Robinhood account to withdraw all the funds. I submitted a withdrawal request and received an email stating that it had been completed. I assumed this was true until I audited my bank account on XX/XX/year>, and realized there was no transaction from Robinhood to my bank. I contacted my bank, and they said Robinhood stopped the transaction and prevented it from happening.\n\nI then attempted to log into my Robinhood account but received an error message saying the account was locked. Robinhood LLC does not have a phone number, so I sent them an email to XXXX, explaining that my withdrawal of {$500.00} was blocked, my account was locked, and I wanted to close my account and have the total funds sent to my bank. \nRobinhood denied blocking the withdrawal and blamed my bank for canceling the transaction. Regardless, Robinhood requested personal information to verify that I am the owner of the account, such as my full name, date of birth, home address, Social Security number, email address, phone number, government ID, and banking information ( account number, routing number ). I provided all of this information to Robinhood LLC and continued to request that my account be closed and the funds returned to my bank.\n\nAfter this, Robinhood continued to lie about the situation, claiming : They did not block the withdrawal. They do not possess a checkbook.\n\nThey cant verify my identity.\n\nThat I am trying to fraudulently access my own account.\n\nRobinhood has not sent me my funds, continues to block my account, and has not removed my name from their system entirely. This is approaching one year of simply requesting the closure of my account and the return of my funds. I have had accounts with every financial institution, and none of them have ever stolen my money like Robinhood has. Their entitlement is astonishing. They lied to me saying they dont own a check book then they sent me a check request form : I filled it out and after I submitted it they emailed me saying they dont accept scans. I have contacted robinhood over 40 times in the last year. I've filed complaints with the SEC and FINRA, I've sent money demand letters, I've sent notices to file small claims, all attempts failed. Robinhood correspondent IDs below XXXX Case ID : XXXX XXXX Case ID : XXXX XXXX Case ID : XXXX XXXX Case ID : XXXX XXXX Case ID : XXXX XXXX Case ID : XXXX XXXX Case ID : XXXX XXXX Case ID : XXXX XXXX -- XXXX Case ID : XXXX XXXX case ID : XXXX","date_sent_to_company":"2025-04-10T14:46:28.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"57104","tags":null,"has_narrative":true,"complaint_id":"12345286","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2025-03-07T01:02:48.000Z","state":"SD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I then <em>attempted</em> to log into my Robinhood account but received an <em>error</em> <em>message</em> saying the account was locked. Robinhood LLC does not <em>have</em> a phone number, so I sent them an email to XXXX, explaining that my withdrawal of {$500.00} was blocked, my account was locked, and I wanted to close my account and <em>have</em> the total funds sent to my bank. \nRobinhood denied blocking the withdrawal and blamed my bank for canceling the transaction."]},"sort":[13.630512,"12345286"]},{"_index":"complaint-public-v1","_id":"13802456","_score":13.556581,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Account was locked immediately upon opening, and failed customer support to assist. \nEmails and notifications saying to continue with process, but process is restricted/blocked. \n\nSubject : Request for Explanation and Resolution Account Restriction I am writing to formally request clarity and resolution regarding the restrictions placed on my Coinbase account. Upon creating my account, I was unexpectedly suspended for XXXX  days before I had even completed setup or attempted any transactions. \n\nShortly after verifying my identity, I received the following message : \" We are concerned you may have sent, or are trying to send, crypto to a fraudulent person or platform ... To protect you against potential loss, we have temporarily limited your ability to send additional crypto until XX/XX/year>. '' This message makes no sense in the context of my actual activity : at the time I received it, my account was not yet fully verified, I had not added a payment method, and I had not attempted to send or buy anything. Despite this, I have been locked out of functionality and told I must simply wait out the restriction period with no specific explanation or ability to appeal. \n\nI have contacted Coinbase Support through the chatbot and humans ( which constantly crash ) multiple times and received only generic replies with XXXX help. I have had to initiate every interaction myself just to learn small details about what is happening. At no point have I received a clear explanation of the issue, what caused it, or how I can resolve it nor have I received any meaningful communication from your team since the initial email. However, I keep getting email and app notifications that \" Now you can get started : Trade crypto '' which only lead to a blocked buy option. \n\nI am requesting the following : A clear explanation of why my account was restricted, especially since no transactions had occurred. \n\nAn accurate and transparent timeline for when full functionality will be restored. \n\nA path forward either restoration of access or a clean closure, if you are unable or unwilling to support my account. \n\nAdditionally, I would appreciate a response regarding what Coinbase is doing to improve its internal systems and customer communication practices. When account restrictions are triggered particularly in error customers deserve timely, clear, and proactive support. No one should be left in the dark when trying to use a financial platform that claims to prioritize trust and security. \n\nIf I do not receive a response or resolution in a timely manner, I will consider filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant oversight bodies. I would prefer to resolve this matter amicably and professionally, and I hope you will help make that possible.","date_sent_to_company":"2025-05-30T20:03:14.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"95403","tags":null,"has_narrative":true,"complaint_id":"13802456","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2025-05-30T19:56:26.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Upon creating my account, I was unexpectedly suspended for XXXX  days before I had even completed setup or <em>attempted</em> any transactions. \n\nShortly after <em>verifying</em> my <em>identity</em>, I received the following <em>message</em> : \" We are concerned you may <em>have</em> sent, or are trying to send, crypto to a fraudulent person or platform ..."]},"sort":[13.556581,"13802456"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":121,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":121}]}},"product":{"doc_count":121,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":29,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":25},{"key":"Other personal consumer report","doc_count":4}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":20},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Checking or savings 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