{"took":220,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":699,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"22159454","_score":17.161257,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX i as a consumer purchased a XXXX from XXXX located in XXXX XXXXXXXX XXXX. Upon dealing for the vehicle i was told by salesman XXXX XXXX and XXXX XXXX XXXX XXXX i needed to make a down payment of {$1500.00} to leave with the vehicle. Due to this transaction being a consumer credit transaction in accordance to XXXX ( Truth in Lending Act ) The finance charge does not include charges of a type payable in a comparable cash transaction. XXXX did not disclose full disclosure of XXXX. XXXX also did not assign the debt/account to any lender to which my knowledge days later. Days later i received a phone call from ThunderRoad financial to inform me i owed them for the loan they provided for the vehicle. \n\nUpon looking at my contract due to never receiving a bill/statement from ThunderRoad Financial i looked over the XXXX installment contract and security agreement ( exhibit a ) and noticed the debt/account was not assigned to ThunderRoad Financial on the incomplete document ( Exhibit a ). If a retail installment is assigned to a party that party must be on the assigned part of the retail installment to prove the validity of the party having security interest in said contact and the authority and right to collect on the debt/account. \n\nXXXX did not complete said contract and thunderRoad financial has illegally been attempting to collect on a debt/account they have no authority to do so on. ThunderRoad has been asked for debt validation under cfr XXXX, accounting pursuant to XXXX XXXX and has even been asked to provide a bill or statement and has never been able to provide documentation, not even a bill. XXXX from XXXX XXXX XXXX has been asked for documentation of where down payment was applied to and informed of the contract not being assigned on multiple phone calls.ThunderRoad was requested to provide documentation has not been able to or attempted to after speaking to XXXX XXXX who has informed me the debt/account was charged off in XXXX of XXXX.","date_sent_to_company":"2026-05-13T15:22:08.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"22159454","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"ThunderRoad Financial, LLC","date_received":"2026-05-13T14:40:13.000Z","state":"FL","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["<em>XXXX</em> also did not <em>assign</em> the debt/account to any lender to which my knowledge days later. Days later i received a <em>phone</em> call from ThunderRoad financial to inform me i owed them for the loan they provided for the vehicle."]},"sort":[17.161257,"22159454"]},{"_index":"complaint-public-v1","_id":"10303929","_score":16.407839,"_source":{"product":"Credit card","complaint_what_happened":"I applied for a new Barclays XXXX XXXX XXXX XXXX XXXX credit card online on XX/XX/year>. The application ID # assigned by Barclays Bank is XXXX. \n\nThis application was approved by Barclays Lending department over the phone with {$2000.00} credit line assigned to this new card. However, before the new card was released to me, Barclays Security department requested me to submit a number of documents including the copies of my drivers license, social security card, and utilities bill. I have extremely high credit score and outstanding credit history. I never experienced such strange requirement to submit those documents for new credit card applications with any banks in the past. \n\nI still submitted all the required documents via fax to Barclays Bank on XX/XX/XXXX. Then I called Barclays Security Department and was told that those documents will be reviewed and my application will be fully approved within 48 hours. However, it has been more than 3 days, but my application is still pending. I called Barclays Security Department multiple times, but was told that they have not processed or reviewed my submitted documents yet. \n\nI am extremely disappointed with Barclays Bank. I request Barclays Bank to review my submitted documents and fully approve my application immediately without any further delay.","date_sent_to_company":"2024-10-02T00:57:09.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"77494","tags":null,"has_narrative":true,"complaint_id":"10303929","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2024-10-02T00:37:31.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["I applied for a new Barclays <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> credit card online on XX/XX/year>. The application ID # <em>assigned</em> by Barclays Bank is <em>XXXX</em>. \n\nThis application was approved by Barclays Lending department over the <em>phone</em> with {$2000.00} credit line <em>assigned</em> to this new card. However, before the new card was released to me, Barclays <em>Security</em> department requested me to submit a number of documents including the copies of my drivers license, social <em>security</em> card, and utilities bill."]},"sort":[16.407839,"10303929"]},{"_index":"complaint-public-v1","_id":"17842638","_score":16.351076,"_source":{"product":"Checking or savings account","complaint_what_happened":"Our Company XXXX XXXX XXXX XXXX maintains a Landlord Security Deposit Control Account with CitibankAcct. XXXX XXXX. We added a tenant in XXXX of XXXX namely, XXXX XXXX XXXX and deposited {$2300.00} in the above XXXX XXXX.Tenants name appeared on the Bank Statement ending XX/XX/2025. Her assigned account number was XXXXHowever, Tenants name ( XXXX XXXX XXXX XXXX is missing from the XXXX, XXXX and XX/XX/2025 Statements for the same ACCOUNT NO. XXXXI have repeatdly called Citibanks phone number listed on the Statements namely XXXX, and requested they add XXXX XXXX name back in the statements. I communicated with a reprsentative who only identified himself as XXXX XXXX. XXXX. I was assured the matter was to be resolved. \nTo date, the matter has not been resolved My branch, Citibank at XXXX XXXXXXXX XXXX XXXX XXXX in XXXX instructed me to call the number listed on the bank statements and resolve it myself. \n\nI was told that XXXX XXXX XXXXXXXX XXXX security was transferred to some kind of XXXX Account. Neither I nor the Tenant have received Bank Statements indicating where the money is. \n\nThe assigned account number for XXXX XXXX XXXX is XXXX.","date_sent_to_company":"2025-12-08T20:07:04.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"077XX","tags":"Older American","has_narrative":true,"complaint_id":"17842638","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-12-08T19:42:52.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I was told that <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>security</em> was transferred to some kind of <em>XXXX</em> Account. Neither I nor the Tenant have received Bank Statements indicating where the money is. \n\nThe <em>assigned</em> account number for <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> is <em>XXXX</em>."]},"sort":[16.351076,"17842638"]},{"_index":"complaint-public-v1","_id":"2823769","_score":16.068756,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2017 I failed a 2 factor authentication for my Coinbase.com account. I had changed my phone number, and had not changed it on Coinbase, and proceding a hard reset of my phone I was no longer able to access my account. \n\nSince this date, I have filed numerous tickets, and called at the customer support number at least 7x. \n\nThe entirety of the interaction is \" we have assigned a specialist to this case ''. It is XX/XX/XXXX and I have not been given any indication that I may access my digital securities. \n\nI have completed all security checks, identification verifications, and have even created a new account at their behest to \" transfer funds '' over to. \n\nI do not know what to do, as this is a considerable amount of my wealth and savings- and not having access to it is beginning to affect my standard of living.","date_sent_to_company":"2018-02-23T19:34:36.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"96150","tags":null,"has_narrative":true,"complaint_id":"2823769","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2018-02-23T19:28:23.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On <em>XX/XX</em>/2017 I failed a 2 factor authentication for my Coinbase.com account. I had changed my <em>phone</em> number, and had not changed it on Coinbase, and proceding a hard reset of my <em>phone</em> I was no longer able to access my account. \n\nSince this date, I have filed numerous tickets, and called at the customer support number at least 7x. \n\nThe entirety of the interaction is \" we have <em>assigned</em> a specialist to this case ''."]},"sort":[16.068756,"2823769"]},{"_index":"complaint-public-v1","_id":"1308061","_score":15.860204,"_source":{"product":"Debt collection","complaint_what_happened":"Performant Recovery Inc is trying to collect a student loan debt that is not mine. They have contacted me periodically over the years and each time I thought this issue was resolved because I have paid all of my student loans on time and in full. They are assigning a debt of a person who has a close name to mine but her middle name is XXXX. She was also born in XX/XX/XXXX which is far before my birth year. They are contacting me by mail as well as my cell phone. I also believe they are trying to phish for my social security number.","date_sent_to_company":"2015-03-31T01:13:36.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Federal student loan","zip_code":"07002","tags":null,"has_narrative":true,"complaint_id":"1308061","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Performant Financial Corporation","date_received":"2015-03-31T01:13:35.000Z","state":"NJ","company_public_response":"Company chooses not to provide a public response","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["They are <em>assigning</em> a debt of a person who has a close name to mine but her middle name is <em>XXXX</em>. She was also born in <em>XX/XX/XXXX</em> which is far before my birth year. They are contacting me by mail as well as my cell <em>phone</em>. I also believe they are trying to phish for my social <em>security</em> number."]},"sort":[15.860204,"1308061"]},{"_index":"complaint-public-v1","_id":"2988419","_score":15.859053,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"While reviewing my TransUnion credit report on XX/XX/XXXX I discovered that someone had used my identity ( Social Security Number & Home Address ) to purchase an XXXX XXXX for $ {$740.00} from a XXXX store in XXXX Colorado. They had the phone purchase payment added to the bill which was never paid and eventually went to collections. \n\nI called XXXX on XX/XX/XXXX and they provided the following information : - Where purchased : Internet Order - XXXX Account Number : XXXX - Mobile Phone Number assigned to phone : XXXX - Email address provided by customer : XXXX - Date Phone purchased / Account opened : XX/XX/XXXX - Date account closed for no payment : XX/XX/XXXX - Current Balance in arrears : {$980.00} - Address where phone was shipped : XXXX XXXX XXXX XXXX, XXXX XXXX ( This address pulls up as a XXXX XXXX XXXX ) - Address provided when phone was reactivated : XXXX XXXX XXXX XXXX, MD XXXX ( This address pulls up as a XXXX Corporate Office ) I contacted XXXX on XX/XX/XXXX. They deactivated the phone and I reported the incident to the XXXX Fraud Department.","date_sent_to_company":"2018-08-10T20:01:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80127","tags":null,"has_narrative":true,"complaint_id":"2988419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-08-10T18:40:33.000Z","state":"CO","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 called <em>XXXX</em> on <em>XX/XX/XXXX</em> and they provided the following information : - Where purchased : Internet Order - <em>XXXX</em> Account Number : <em>XXXX</em> - Mobile <em>Phone</em> Number <em>assigned</em> to <em>phone</em> : <em>XXXX</em> - Email address provided by customer : <em>XXXX</em> - Date <em>Phone</em> purchased / Account opened : <em>XX/XX/XXXX</em> - Date account closed for no payment : <em>XX/XX/XXXX</em> - Current Balance in arrears : {$980.00} - Address where <em>phone</em> was shipped : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> ( This address pulls up as a <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) - Address provided"]},"sort":[15.859053,"2988419"]},{"_index":"complaint-public-v1","_id":"5418115","_score":15.685761,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX, we received a letter from Lakeview Loan Servicing LLC advising our mortgage loan records were accessed by an un-authorized entity between XX/XX/XXXX and XX/XX/XXXX. The records accessed contained name, address, loan number and social security number. Problem : Why were our mortgage loan records still in Lakeview Loan Servicing LLC systems and not archived since our mortgage loan was transferred to XXXX effective XX/XX/XXXX? More than two and a half years before Lakeview Loan Servicing 's security breach? \nThe letter Lakeview sent us on XX/XX/XXXX, provided a phone contact number XXXX which we called, and it automatically dropped after one ring. Thus, any questions we had were not answered. Lakeview Loan Servicing engaged XXXX XXXX XXXX and we tried to enroll in their free one-year service but could not because they wanted us to enter our social security numbers and we do not want to give that information to XXXX XXXX  XXXX Lakeview Loan Servicing assigned us a membership number XXXX and XXXX which XXXX XXXX should be able to use without having to enter social security numbers.","date_sent_to_company":"2022-04-07T14:22:27.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"349XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5418115","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LAKEVIEW LOAN SERVICING, LLC","date_received":"2022-04-07T13:23:19.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["More than two and a half years before Lakeview Loan Servicing 's <em>security</em> breach? \nThe letter Lakeview sent us on <em>XX/XX/XXXX</em>, provided a <em>phone</em> contact number <em>XXXX</em> which we called, and it automatically dropped after one ring. Thus, any questions we had were not answered."]},"sort":[15.685761,"5418115"]},{"_index":"complaint-public-v1","_id":"21610334","_score":15.527217,"_source":{"product":"Checking or savings account","complaint_what_happened":"URGENT : CFPB Complaint, Medical Hardship, and Seizure of Social Security Benefits Whom It May Concern, I am writing to request immediate executive escalation regarding a critical issue involving my account with Bank of America.\n\nI have been a Bank of America customer for approximately 32 years. I currently have an active complaint filed with the Consumer Financial Protection Bureau regarding the handling of my account and the seizure of my Social Security benefits.\n\nDespite being assigned a resolution specialist, I have made multiple attempts to contact them by phone and email and have received no response. \n\nOn XX/XX/year>, my Social Security benefit of approximately {$3000.00} was deposited into my account and was immediately taken in full by Bank of America to offset a negative balance resulting from a reversed provisional credit. This action has left me with no available funds. \n\nThis situation has now escalated into a serious medical hardship. \n\nI have undergone XXXX XXXX XXXX and rely on multiple essential medications, including XXXX XXXX and XXXX XXXX. Because my Social Security funds were fully removed, I currently have no ability to obtain these medications, food, or other basic necessities.\n\nThis creates an immediate risk to my health and safety.\n\nAdditionally, Bank of America has failed to respond to multiple contact attempts despite assigning a resolution specialist, leaving me without any assistance while this urgent situation continues.\n\nI am requesting immediate intervention from Executive Customer Relations to : * Review the seizure of my Social Security benefits * Provide access to funds necessary for basic living and medical needs * Assign a responsive point of contact * Provide a clear explanation of the legal basis for these actions Given the urgency and medical risk involved, I am requesting a response within 24 hours.\n\nIf I do not receive a response, I will continue to pursue this matter through all available regulatory channels. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2026-04-26T12:55:52.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"32608","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"21610334","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-26T12:48:26.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Sincerely, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em>"]},"sort":[15.527217,"21610334"]},{"_index":"complaint-public-v1","_id":"3312669","_score":15.25037,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On approximately XX/XX/XXXX I initiated a dispute through XXXX for an item in collection through XXXX XXXX XXXX That debt, assigned XX/XX/XXXX for {$200.00}, is inaccurate. It was paid via XXXX XXXX ending XXXX in the amount of {$130.00} on XX/XX/XXXX. I sent the credit card statement showing that charge, which originated from a XXXX visit on the aforementioned date. Numerous attempts to contact that collection agency via phone and traditional mail have proved unsuccessful, which is precisely why I disputed the transaction. I disputed the transaction via traditional mail since Equifax 's online dispute process refused to recognize me. I received a letter around XX/XX/XXXX, thirteen days after my initial dispute efforts, claiming they needed \" additional information to verify my identity ''. I mailed them back the requested copy of my social security card and a copy of my lease agreement. I received another letter on XX/XX/XXXX restating the same information and asking for another copy of my social security card and proof of residency.","date_sent_to_company":"2019-07-20T05:12:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"97214","tags":null,"has_narrative":true,"complaint_id":"3312669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-20T00:57:01.000Z","state":"OR","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["On approximately <em>XX/XX/XXXX</em> I initiated a dispute through <em>XXXX</em> for an item in collection through <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> That debt, <em>assigned</em> <em>XX/XX/XXXX</em> for {$200.00}, is inaccurate. It was paid via <em>XXXX</em> <em>XXXX</em> ending <em>XXXX</em> in the amount of {$130.00} on <em>XX/XX/XXXX</em>. I sent the credit card statement showing that charge, which originated from a <em>XXXX</em> visit on the aforementioned date."],"sub_issue":["Difficulty submitting a dispute or getting information about a dispute over the <em>phone</em>"]},"sort":[15.25037,"3312669"]},{"_index":"complaint-public-v1","_id":"5863127","_score":14.722111,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I received a debt collection letter in the mail from Designed Receivable Solutions for an unknown creditor. The letter did not indicate any creditor information but gave a phone number to call. I called the number and they immediately asked for my personal information- my birthday and my social security number for \" verification '' purposes despite my providing the account number assigned to me on their letter. I asked the agent who the creditor was, and she replied that she couldn't provide me with that until I gave her my personal information- which I did not. I ended the call and looked up their payment website. The website either did not exist or had an issue as it did not show up in my browser.","date_sent_to_company":"2022-08-10T17:41:16.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"5863127","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Designed Receivable Solutions, Inc.","date_received":"2022-08-10T17:31:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["On <em>XX/XX/XXXX</em>, I received a debt collection letter in the mail from Designed Receivable Solutions for an unknown creditor. The letter did not indicate any creditor information but gave a <em>phone</em> number to call. I called the number and they immediately asked for my personal information- my birthday and my social <em>security</em> number for \" verification '' purposes despite my providing the account number <em>assigned</em> to me on their letter."]},"sort":[14.722111,"5863127"]},{"_index":"complaint-public-v1","_id":"5905593","_score":14.643439,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Company : VENMO My account was locked in XXXX ( ish ) time frame due to trying log in 3x ( due to could not remember password ). I reported the problem on Venmo website ( XX/XX/2022 ) and per their immediate response ( thru email ), they assigned this case to their special account specialist and there would be someone to contact me via email within 3 weeks On XX/XX/2022, I received email from XXXX XXXX ( support venmo ) that they asked me to post my US ID and a picture of myself holding the ID to their secure link. \n\nOn XX/XX/XXXX, I responded back via email that I'm concerning the safety of posting my pictures on their web link ( even though per claim it's secured ). The concern was due to I have never been asked to do that by other security banks, phone, ect... to verify my identity. Within that email, I've requested for a phone call ( which I supply my phone # on that email ). \n\nOn XX/XX/XXXX, I received response from XXXX which say understanding of my concerns but they have not provided other secure way to verify my ID. They stick to post my ID to their web link. \n\nOn XX/XX/XXXX ( due to my unavailable schedule to check email, that's why I didn't check email often ), I called their customer service and start complain but this phone call could not connect to Account specialist ( based on their input, Account specialist won't have a direct phone call with customer but only via email ). After the phone call, I responded to XXXXXXXX XXXX email ( from XX/XX/XXXX ). I was very upset as nothing being done. In that email, I even propose to do video phone call to show my ID online face to face. \nOn the same date ( after my phone call ) at XXXX PDT, I also received email from XXXX XXXX said that there was a one-time code sent to \" ... someone else email '. This had prompt my response to why they send the code to someone else email. \n\nOn XX/XX/XXXX at XXXX XXXX, I received email from XXXX which stating their concern about privacy and security but then again keep asking me to post my ID to their web. \n\nI responded back that what they said about their security is just their saying. There is no proof about that. I've requested again to do either video phone or I can go to their local office which I saw on their web page to do face to face for verification ( I asked for the correct local address ). \n\nThere is no response since then. \n\nI'm very concern about their lack of privacy and security and the way they handle business.","date_sent_to_company":"2022-08-22T18:56:45.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"90703","tags":null,"has_narrative":true,"complaint_id":"5905593","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2022-08-22T18:14:46.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On <em>XX/XX/XXXX</em> ( due to my unavailable schedule to check email, that's why I didn't check email often ), I called their customer service and start complain but this <em>phone</em> call could not connect to Account specialist ( based on their input, Account specialist won't have a direct <em>phone</em> call with customer but only via email ). After the <em>phone</em> call, I responded to <em>XXXXXXXX</em> <em>XXXX</em> email ( from <em>XX/XX/XXXX</em> ). I was very upset as nothing being done."]},"sort":[14.643439,"5905593"]},{"_index":"complaint-public-v1","_id":"2781353","_score":14.549068,"_source":{"product":"Debt collection","complaint_what_happened":"Please Help Me!!!! \n\nIdentity Theft Victim 1. XXXX XXXX XXXX / XXXX = {$200.00} 2. XXXX XXXX / XXXX-XXXX = {$170.00} 3. XXXX XXXX / XXXX XXXX XXXX  XXXX {$64.00} 4. XXXX XXXX XXXX ( Assigned ) Credit Class ( Assigned ) XXXX XXXX XXXX = {$1200.00} Account # XXXX, Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : XXXX 5. XXXX : My Social Security Number # is completely wrong in there system I 've been fighting for 6 months too get it corrected ... \n\nNon Authorization Inquires : A ) XXXX XXXX B ) XXXX XXXX C ) XXXX D ) XXXX E ) XXXX XXXX XXXX F ) XXXX XXXX G ) XXXX XXXX H ) XXXX XXXX I ) XXXX XXXX : XXXX J ) XXXX K ) XXXX L ) XXXX XXXX : XXXX M ) XXXX XXXX : XXXX N ) XXXX O ) XXXX/XXXX P ) XXXX XXXX XXXX : XXXX Q ) XXXX XXXX XXXX : XXXX R ) XXXX XXXX S ) XXXX XXXX XXXX : XXXX","date_sent_to_company":"2018-01-14T07:12:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"30093","tags":"Servicemember","has_narrative":true,"complaint_id":"2781353","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2018-01-14T06:23:33.000Z","state":"GA","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> / <em>XXXX</em> = {$200.00} 2. <em>XXXX</em> <em>XXXX</em> / <em>XXXX-XXXX</em> = {$170.00} 3. <em>XXXX</em> <em>XXXX</em> / <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> {$64.00} 4. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>Assigned</em> ) Credit Class ( <em>Assigned</em> ) <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> = {$1200.00} Account # <em>XXXX</em>, Address : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> PA <em>XXXX</em> <em>Phone</em> : <em>XXXX</em> 5. <em>XXXX</em> : My Social <em>Security</em> Number # is completely wrong in there system I 've been fighting for 6 months too get it corrected ..."]},"sort":[14.549068,"2781353"]},{"_index":"complaint-public-v1","_id":"5771588","_score":14.535906,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On the morning of XXXX XXXX, I called Bank of America 's EDD accounts department ( XXXX ) XXXX to activate the card that I received at my mailing address on XX/XX/XXXX, and I was informed by the bank representative that there was an account opened on XX/XX/XXXX, with my Social Security Number. She was unable to disclose any further information to me, but she informed me to report the Identity Theft to EDD directly and follow their guidance from that point. I visited the EDD office in downtown XXXX XXXX, CA the morning of XX/XX/XXXX and with assistance of the local staff and the EDD phone staff we were able to succeed changing the method of payment from the Bank of America XXXX card to checks issued and mailed to my current mailing address. There was no record of an Unemployment Insurance account with my Social Security Number during the time of XX/XX/XXXX, so the phone staff member directed me file a fraud report with XXXX. At XXXX XXXX  on XX/XX/XXXX, I filed a XXXX XXXX XXXX online. Also, I have reported the matter to the XXXX, per instructions on XXXX  and the FTC website. I have contacted the XXXX XXXX XXXX XXXX XXXX regarding the matter and will promptly conduct an online report, per direction of Deputy on duty that I spoke with today, XXXX XXXX   XX/XX/XXXX. I have informed my case manager with XXXX, of the information and will discuss further at my first opportunity to communicate with him. I have also informed the XXXX, as a Specialist has been assigned to assist me in Identity Theft Restoration as a result of XXXX Data Breach and direction of attorney overseeing the project for vicitms of the data breach..","date_sent_to_company":"2022-07-14T21:55:13.000Z","issue":"Problem getting a card or closing an account","sub_product":"Government benefit card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5771588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-07-14T21:07:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble getting, activating, or registering a card"},"highlight":{"complaint_what_happened":["I visited the EDD office in downtown <em>XXXX</em> <em>XXXX</em>, CA the morning of <em>XX/XX/XXXX</em> and with assistance of the local staff and the EDD <em>phone</em> staff we were able to succeed changing the method of payment from the Bank of America <em>XXXX</em> card to checks issued and mailed to my current mailing address. There was no record of an Unemployment Insurance account with my Social <em>Security</em> Number during the time of <em>XX/XX/XXXX</em>, so the <em>phone</em> staff member directed me file a fraud report with <em>XXXX</em>."]},"sort":[14.535906,"5771588"]},{"_index":"complaint-public-v1","_id":"5773863","_score":14.516431,"_source":{"product":"Debt collection","complaint_what_happened":"The following information was put on my credit file, XXXX sent me an alert notification. \nI logged on to see the information and Online Information Services put this on my account which is out of XXXX I have never lived in XXXX The debt collector said I would have to contact ftc.gov and fill out fraud affidavit form and send over. \n\nThis is not my debt and I never allowed anyone to use my social security number. \n\nContact info Name ONLINE INFORMATION SER Address XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2022 XXXX","date_sent_to_company":"2022-08-01T18:45:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"91367","tags":"Servicemember","has_narrative":true,"complaint_id":"5773863","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ONLINE Information Services, Inc.","date_received":"2022-07-14T14:59:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Contact info Name ONLINE INFORMATION SER Address <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXXXXXX</em> <em>Phone</em> number ( <em>XXXX</em> ) <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Account info Account number <em>XXXX</em> Date opened <em>XX/XX</em>/2022 Account type Collection Status Seriously past due date / <em>assigned</em> to attorney, collection agency, or credit grantor 's internal collection department Status date <em>XX/XX</em>/2022 <em>XXXX</em>"]},"sort":[14.516431,"5773863"]},{"_index":"complaint-public-v1","_id":"8430395","_score":14.512874,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I reviewed my consumer file via experian on XX/XX/2024 and noticed several personal identifiers that do not belong to me. This prompted me to file an FTC report due to an incorrect social security number, several names, an employer I've never worked at and a phone number that didn't belong to me. It is alarming that my file has been merged with someone else 's which effects my ability to accurately identify who i am. the incorrect information is as follows : 1. Names : a. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Non-mailable addresses associated with my profile : XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. Employers listed : XXXX XXXX XXXX ( I have never worked here ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX \n\n4. Phone number associated : ( XXXX ) XXXX XXXX. Social Security Number : XXXX ( not assigned to me ) My correct information is the following : XXXX XXXX XXXX Social Security number : ( document enclosed ) Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Phone number XXXX XXXX Considering that there is a social security number that does not belong to me on my consumer file. I can only assume that my file has been merged with someone elses. I request that Experian promptly investigate these inaccuracies and remove them from my consumer file. It is imperative to uphold the accuracy and fairness of credit reporting, as highlighted in 15 U.S. Code 1681, which emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumer rights to privacy. \n\nFurthermore, it is essential that consumer reporting agencies adopt reasonable procedures to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information, as mandated by this subchapter.","date_sent_to_company":"2024-02-27T20:46:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8430395","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-27T20:34:00.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Social <em>Security</em> Number : <em>XXXX</em> ( not <em>assigned</em> to me ) My correct information is the following : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Social <em>Security</em> number : ( document enclosed ) Address : <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em>, MD <em>XXXX</em> <em>Phone</em> number <em>XXXX</em> <em>XXXX</em> Considering that there is a social <em>security</em> number that does not belong to me on my consumer file. I can only assume that my file has been merged with someone elses."]},"sort":[14.512874,"8430395"]},{"_index":"complaint-public-v1","_id":"5337275","_score":14.265745,"_source":{"product":"Debt collection","complaint_what_happened":"On or about XX/XX/XXXX, CREDIT CONTROL CORP issued notice to the credit bureaus indicating I owe {$270.00}. \n\nOn XX/XX/XXXX, I contacted CREDIT CONTROL CORP and spoke with Representative XXXX XXXX who confirmed the date of birth and name on their account records did not match the information I confirmed over the phone. The debt was incorrectly issued to my record. I was informed the record would be corrected, and the credit bureau records would be updated accordingly. \n\nOn XX/XX/XXXX, XXXX issued another notification to me which indicated the CREDIT CONTROL CORP balance for {$270.00} remained on my credit report, and further stated the status of the debt was \" seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. '' The debt was incorrectly issued to my record. \n\nOn XX/XX/XXXX, I contacted CREDIT CONTROL CORP again, and spoke with Representative XXXX, who, again, confirmed the date of birth and the name on the account did not match the information I provided over the phone. XXXX informed the matter would be escalated for resolution. In the interim, the incorrectly issued debt remains on my record. \n\nOn XX/XX/XXXX, XXXX called me and requested I email a copy of my driver 's license to CREDIT CONTROL CORP. XXXXXXXX admitted CREDIT CONTROL CORP already had my social security number. I shared with XXXX that I had concerns with emailing my personally identifiable information via email due to a prior data spill and breach. \n\nI do not have any record or recollection of visiting CREDIT CONTROL CORP or affiliates for any services in person, via phone, or internet. I also do not have any record of providing CREDIT CONTROL CORP with my social security number at any time. \n\nCREDIT CONTROL CORP delays in expeditiously removing the incorrect information on my credit report has negatively impacted my ability to obtain goods and services where credit is required.","date_sent_to_company":"2022-03-18T07:19:19.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"33181","tags":null,"has_narrative":true,"complaint_id":"5337275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"R & B Corporation of Virginia","date_received":"2022-03-18T02:20:09.000Z","state":"FL","company_public_response":"Company can't verify or dispute the facts in the complaint","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>XXXXXXXX</em> admitted CREDIT CONTROL CORP already had my social <em>security</em> number. I shared with <em>XXXX</em> that I had concerns with emailing my personally identifiable information via email due to a prior data spill and breach. \n\nI do not have any record or recollection of visiting CREDIT CONTROL CORP or affiliates for any services in person, via <em>phone</em>, or internet. I also do not have any record of providing CREDIT CONTROL CORP with my social <em>security</em> number at any time."]},"sort":[14.265745,"5337275"]},{"_index":"complaint-public-v1","_id":"16927177","_score":14.181892,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"wired {$5000.00} from my account with XXXX Bank to Crypto Dispensers, XXXX XXXX Bank, on XX/XX/XXXX. The money showed up in Crypto Dispensers platform on XX/XX/XXXX. XXXX from Crypto Dispensers assisted me in XXXX transactions on XX/XX/XXXX, via messenger. They kept failing and soon found out there was limit on transactions of {$2900.00}. I sent {$1500.00} and {$1300.00} transactions on XX/XX/XXXX, they were pending. They said my social security number was not on my profile, but it was, it was not on the wire transfer verification and they were checking on that for me. I texted XXXX on my phone, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no response. I called the customer service phone XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, receptionist answered and i left messages each time that my XXXX transactions were pending since XX/XX/XXXX and this was not correct. I also went in to the app and used chat on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My transactions were pending for 5 days with no response from this platform. It does not take that long for transactions to post on the blockchain. On Friday, XX/XX/XXXX, I called XXXX Bank to dispute the transaction with XXXX XXXX. On Monday, XXXX finally responded to my text to offer assistance. XXXX Bank told me once there is a dispute number assigned, they could not void the dispute.","date_sent_to_company":"2025-10-30T13:24:41.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"28081","tags":"Older American","has_narrative":true,"complaint_id":"16927177","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Virtual Assets, LLC","date_received":"2025-10-30T13:13:13.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They said my social <em>security</em> number was not on my profile, but it was, it was not on the wire transfer verification and they were checking on that for me. I texted <em>XXXX</em> on my <em>phone</em>, <em>XX/XX/XXXX</em>, <em>XX/XX/XXXX</em>, <em>XX/XX/XXXX</em>, <em>XX/XX/XXXX</em>, <em>XX/XX/XXXX</em> with no response. I called the customer service <em>phone</em> <em>XX/XX/XXXX</em>, <em>XX/XX/XXXX</em>, <em>XX/XX/XXXX</em>, <em>XX/XX/XXXX</em>, receptionist answered and i left messages each time that my <em>XXXX</em> transactions were pending since <em>XX/XX/XXXX</em> and this was not correct."]},"sort":[14.181892,"16927177"]},{"_index":"complaint-public-v1","_id":"17838360","_score":14.16094,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing a WOW Internet collection account that Equifax is reporting and assigning to XXXXXXXX XXXX XXXXXXXX. \n\nI disputed this account directly with Equifax. Equifax responded that the account was verified. However, when I called the phone number listed for XXXX XXXX XXXX, the call disconnects and I am not able to reach a live representative. I have tried multiple times and can not speak with anyone about this account. \n\nPreviously, when I was able to reach a representative, I was told they could not locate any account or record for me under my name, date of birth, or Social Security number. \n\nIf the furnisher can not be contacted and can not locate or verify an account for me, Equifax can not legally report it as verified. This is not a reasonable investigation under the Fair Credit Reporting Act ( FCRA ), and the information being reported is not properly verified. \n\nThis same XXXX XXXX has already been deleted from my Experian credit report due to lack of verification, which shows inconsistent reporting across bureaus.","date_sent_to_company":"2025-12-08T18:39:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"361XX","tags":null,"has_narrative":true,"complaint_id":"17838360","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-08T18:27:21.000Z","state":"AL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am disputing a WOW Internet collection account that Equifax is reporting and <em>assigning</em> to <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXXXXXX</em>. \n\nI disputed this account directly with Equifax. Equifax responded that the account was verified. However, when I called the <em>phone</em> number listed for <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, the call disconnects and I am not able to reach a live representative. I have tried multiple times and can not speak with anyone about this account."]},"sort":[14.16094,"17838360"]},{"_index":"complaint-public-v1","_id":"3056179","_score":14.0693035,"_source":{"product":"Debt collection","complaint_what_happened":"A company by the name of XXXX XXXX XXXX has been attempting to collect a debt for a merchant services that was opened in XX/XX/XXXXaccording to them via my credit report but according to a phone call I received after I sent them a validation letter of the debt they stated it was opened in XX/XX/XXXX. Regardless of when it was opened in XX/XX/XXXX it is not possible as I was working on a XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX  which can be verified with taxes and I provided them as well. The company they say it was opened with was XXXX XXXX XXXX   and I contacted them as asked and they have zero record of me. I requested proof of debt never got it and it still remains on my credit. I researched the original creditor and it would be for credit card merchant machines. This means they would have sent me equipment that would have a traceable merchant code to run credit cards and they could find no matching machined assigned to my name, my business name, or my social security number. This to me would constitute invalidation of the claim of debt. Please advise on my next steps. Thank you.","date_sent_to_company":"2018-10-25T12:32:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"30253","tags":"Servicemember","has_narrative":true,"complaint_id":"3056179","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Acquired Assets, Ltd.","date_received":"2018-10-25T12:09:42.000Z","state":"GA","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["A company by the name of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> has been attempting to collect a debt for a merchant services that was opened in XX/XX/XXXXaccording to them via my credit report but according to a <em>phone</em> call I received after I sent them a validation letter of the debt they stated it was opened in <em>XX/XX/XXXX</em>."]},"sort":[14.0693035,"3056179"]},{"_index":"complaint-public-v1","_id":"10543451","_score":14.032923,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Collection Accounts Below XXXX XXXX  Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX assigned XX/XX/XXXXXXXX XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX Age of Account 1 year 1 month Dear, XXXX, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. \n\nI did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. \n\nUnder the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). \n\nPlease confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. \n\nThank you for your time and prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-10-22T12:36:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"10543451","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-22T12:36:36.000Z","state":"OH","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":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>Phone</em> : <em>XXXX</em> Email : <em>XXXX</em> Social <em>Security</em> Number : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> Experian <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Collection Accounts Below <em>XXXX</em> <em>XXXX</em>  Account owner Individual Account Original Creditor <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XX/XX/XXXX</em> <em>XXXX</em> <em>assigned</em> XX/XX"]},"sort":[14.032923,"10543451"]},{"_index":"complaint-public-v1","_id":"10543452","_score":14.031784,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Collection Accounts Below XXXXXXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX assigned XX/XX/XXXX XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX Age of Account 1 year 1 month Dear, Equifax, XXXX, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. \n\nI did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. \n\nUnder the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). \n\nPlease confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. \n\nThank you for your time and prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-10-22T12:36:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"10543452","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-22T12:36:36.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>Phone</em> : <em>XXXX</em> Email : <em>XXXX</em> Social <em>Security</em> Number : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Equifax Information Services LLC <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Collection Accounts Below <em>XXXXXXXX</em> <em>XXXX</em> Account owner Individual Account Original Creditor <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XX/XX/XXXX</em> <em>XXXX</em> <em>assigned</em>"]},"sort":[14.031784,"10543452"]},{"_index":"complaint-public-v1","_id":"3078550","_score":13.944685,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"A new credit card sent to me via US Postal Service never reached me ; it was stolen from the mail and used fraudulently for over {$17000.00} in purchases in two days, XX/XX/XXXX and XX/XX/2018. It was supposed to have been mailed on XXXX XXXX and to be received by XX/XX/XXXX. I called several times between XXXX XXXX and XX/XX/XXXX about it ( because I had been hoping to use it for an expense due by XX/XX/XXXX, and I was traveling XX/XX/XXXX-XX/XX/XXXX ). When I returned from that trip and saw that my card had not arrived in the mail as promised and expected, I called and was sent a new card ( via courier service ) with a new card number. I did not know about the fraudulent charges until I received the first bill for the card, in early XXXX, showing a credit balance instead of showing the almost {$4500.00} I had charged and did owe. I called to ask about the \" credit '' and stated that I wanted to pay what was due because I had made the charges ; they told me to wait for the next bill. I was told that an investigation was underway, and I was given a \" security credit '' for some of the fraudulent charges, which totaled more than my authentic charges - hence the \" credit balance '' situation on the first bill. Now I have received the second bill, and I see that the security credits have all been reversed and Citi Bank is saying that I am liable for the purchases. I had no idea that over {$17000.00} had been charged fraudulently, until I saw this bill showing the reversal of all the security credits. They never contacted me about this, except for one call from a woman in the investigation department. I later tried multiple times to reach her, leaving her messages with no response - as well as calling customer service, security, and the fraud department multiple times about the problem, and being told I should contact that same woman. Today I went into my local Citi branch and asked for help in contacting the right people to resolve this. On the phone, I was told that that woman no longer works for the department and that my case has been assigned to someone else. Neither the woman nor the newly assigned man ever contacted me after that initial call I had with her. I was not even in XXXX, the city where the fraudulent charges were made, on XX/XX/XXXX ; I was flying home to XXXX from XXXX XXXX California. I definitely did not receive the card that was used for fraudulent charges, did not make the fraudulent charges, and should not be held responsible for the charges. I would appreciate your assistance in having Citi restore the \" security credits '' so that I am responsible for the charges I did make on the card I did receive, but not for the charges made fraudulently on the charge I didn't receive.","date_sent_to_company":"2018-11-19T22:56:12.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"60640","tags":null,"has_narrative":true,"complaint_id":"3078550","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-11-19T22:07:23.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On the <em>phone</em>, I was told that that woman no longer works for the department and that my case has been <em>assigned</em> to someone else. Neither the woman nor the newly <em>assigned</em> man ever contacted me after that initial call I had with her. I was not even in <em>XXXX</em>, the city where the fraudulent charges were made, on <em>XX/XX/XXXX</em> ; I was flying home to <em>XXXX</em> from <em>XXXX</em> <em>XXXX</em> California."]},"sort":[13.944685,"3078550"]},{"_index":"complaint-public-v1","_id":"12108038","_score":13.942887,"_source":{"product":"Debt collection","complaint_what_happened":"I pulled my credit in XXXX of XXXX, to discover a collection for bad debt placed on my credit report from XXXX XXXX with no explanation as to what it was. I filed a dispute with XXXX because the phone number for the company listed did not work : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX and no other information was listed as to what this debt was for. I later discovered that the debt was from a timeshare in XXXX I attempted to cancel entirely in XXXX. Please note, this timeshare was supposed to be in my business name and I never gave them my social security number, only the business name. I paid almost {$10000.00} total including a {$4500.00} deposit and was never able to use the timeshare at all. They would never answer the phone and was never able to book online. When I did get someone on the phone they always told me every date I attempted to use it was booked. Because at no time did I agree to this and even was promised this would not impact my credit at all, I am filing a complaint against this collection agency for violating FCRA 15 U.S.C. 1681. This company used other means to falsely assign a debt to my credit profile which is a violation of FCRAs accuracy and verification requirements. The law states furnishers of credit information must establish procedures to ensure accuracy before reporting a debt. This is also a violation of FDCPA for misleading debt collection practices, specifically implying that I owe a debt and reporting it to credit bureaus under my name without proper authorization.","date_sent_to_company":"2025-02-17T17:32:44.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"53051","tags":"Servicemember","has_narrative":true,"complaint_id":"12108038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Monterey Financial Services LLC","date_received":"2025-02-17T16:56:15.000Z","state":"WI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I pulled my credit in <em>XXXX</em> of <em>XXXX</em>, to discover a collection for bad debt placed on my credit report from <em>XXXX</em> <em>XXXX</em> with no explanation as to what it was. I filed a dispute with <em>XXXX</em> because the <em>phone</em> number for the company listed did not work : <em>XXXX</em>, <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>Phone</em> : ( <em>XXXX</em> ) <em>XXXX</em> and no other information was listed as to what this debt was for. I later discovered that the debt was from a timeshare in <em>XXXX</em> I attempted to cancel entirely in <em>XXXX</em>."]},"sort":[13.942887,"12108038"]},{"_index":"complaint-public-v1","_id":"7136526","_score":13.859959,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I bought a {$500.00} US Bank Visa gift card. Total cost was {$500.00}. When I opened the package the 3-digit security code on the back was missing or misprinted. I need this to assign a pin. I immediately called the number on the back of the card to get a replacement. I was told to fax three things : 1. front & back of gift card 2. government ID 3. statement of ownership I faxed this information on XXXX XXXX.\n\nTwo weeks from my first phone call I had not heard from US Bank. I called again today. I was told my fax was received but I need to send my purchase receipt. This was not requested before. No one at US Bank reached out to request this. They are treating me not as a customer but as a nuisance that should go away. \n\nToday I'm trying to fax again with a the additional documents but the fax fails before completion. Help!","date_sent_to_company":"2023-06-19T20:36:42.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"37221","tags":null,"has_narrative":true,"complaint_id":"7136526","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-06-19T20:15:39.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["On <em>XX/XX/XXXX</em> I bought a {$500.00} US Bank Visa gift card. Total cost was {$500.00}. When I opened the package the 3-digit <em>security</em> code on the back was missing or misprinted. I need this to <em>assign</em> a pin. I immediately called the number on the back of the card to get a replacement. I was told to fax three things : 1. front & back of gift card 2. government ID 3. statement of ownership I faxed this information on <em>XXXX</em> <em>XXXX</em>.\n\nTwo weeks from my first <em>phone</em> call I had not heard from US Bank."]},"sort":[13.859959,"7136526"]},{"_index":"complaint-public-v1","_id":"2757066","_score":13.820059,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXXXXXX17 I requested a mortgage re-fin quote but the creditor could not respond as they could not get a copy of my credit report as it had a \" security freeze '' on it. I have never requested a security freeze on my account. I have had this problem for at least the last five years. I spend days/weeks attempting to get the matter resolved to no avail. Equifax has me make written requests to remove the \" security freeze '' and then I 'm told weeks later I never had a security freeze. However the next time a creditor contacts Equifax it is the same problem. \n\nThis time I attempted to contact Equifax on its website and by phone. The website advised I could not access it and had to write. Their automated phone system state the same thing Instructions say I need a pin or unique personal identification number assigned by Equifax which I do n't have and never received ; why would I if I never had a security freeze. \n\nI have placed a extended Fraud Alert on my account but a Fraud Alert is not the same as a Security Freeze. In the past, Equifax 's phone rep confuses \" fraud alerts '' and \" security freeze :. They provide wrong information, lie to me and to creditors. Most of the problems and lies are verbal. I do have a letter dated XXXX17 confirming that extended fraud alerts where placed on my account at my request. \n\nFrom XXXX to XXXX, XXXX I tried to change from cable to XXXX XXXX. Again there was major problems about \" security freezes '' and releasing inform. Finally, the non-existing security freeze was lifted ; and then XXXX XXXX wanted a deposit on the basis that I \" had a security freeze ''. Equifax representative let it slip that a security freeze was a \" negative '' indicator placed by a creditor or Equifax. But I have no evidence and attempted, unsuccessfully, to find an government agency to investigate. I always order copies of my credit report and there is nothing negative on them and no mention of \" security freeze '' I gave up on XXXX XXXX. I have TOLD MY STORY on this website before today 's problem. \n\nThen today I find the same problem. After not being able to make contact by website or phone. I wrote a letter to Equifax requesting they permanent lift all security freezes. I have to mail it on Monday XXXX-17 as it must go via certified. XXXX do n't know why I should have to go to the expense of certified mail for Equifax 's error. However I fear that they will not respond promptly as I do n't have a PIN or unique id number or some other service error on Equifax 's part. It is so discerning that Equifax can continually violate the FCRA and receive no consequences.","date_sent_to_company":"2017-12-23T00:06:49.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"982XX","tags":null,"has_narrative":true,"complaint_id":"2757066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-12-16T21:54:04.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This time I attempted to contact Equifax on its website and by <em>phone</em>. The website advised I could not access it and had to write. Their automated <em>phone</em> system state the same thing Instructions say I need a pin or unique personal identification number <em>assigned</em> by Equifax which I do n't have and never received ; why would I if I never had a <em>security</em> freeze. \n\nI have placed a extended Fraud Alert on my account but a Fraud Alert is not the same as a <em>Security</em> Freeze."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[13.820059,"2757066"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":699,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":699}]}},"product":{"doc_count":699,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":184,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":81},{"key":"I do not know","doc_count":25},{"key":"Other 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