{"took":164,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2034,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7892436","_score":21.967505,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian Report ID # XXXX I contacted Experian in XX/XX/2023 and XX/XX/2023 to dispute the items directly online. Some of the items are unable to be disputed online. \n\nXX/XX/2023 : I contacted Experian via USPS mail requesting to dispute and update my name, address and social security number. I provided a copy of my state id and social security card. The following information below : Name ID # : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Address ID # : XXXX, XXXX, XXXX. \n\nIn XX/XX/2023 : I disputed an account in collections as it is not mine and belongs to someone with a similar name. I provided Experian with the proof of my identity, as well as the insufficient verification documents provided by the collection agency. The collection Agency did not verify the account ownership. They sent me a copy of the credit card statement, which does not prove ownership. Therefore, Experian should be required to delete the account. \n\nIn XX/XX/2023 I provided Experian with a copy of my social security to confirm my identity and delete the XXXX social security numbers currently listed on my credit report. What is currently listed belongs to my XXXXXXXX XXXX children. \n\nI have attached a copy of my social security card, my state identification, a copy of my experian credit report with the incorrect information and a copy of the verification documents I received after disputing the account in collections directly with the current servicer.","date_sent_to_company":"2023-11-22T22:25:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33054","tags":null,"has_narrative":true,"complaint_id":"7892436","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-22T22:03:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I provided Experian with the <em>proof</em> of my <em>identity</em>, as well as the insufficient <em>verification</em> documents provided by the collection agency. The collection Agency did not <em>verify</em> the account ownership. They sent me a copy of the credit <em>card</em> <em>statement</em>, which does not prove ownership. Therefore, Experian should be required to delete the account."]},"sort":[21.967505,"7892436"]},{"_index":"complaint-public-v1","_id":"4065572","_score":21.878471,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Capital One has twice in the last few months denied me credit without sending me the required denial of credit letter/explanation. \n\nIn the first instance, I applied for a card, and they wouldn't approve it because I had a prepaid phone instead of a contract phone ( even though they texted me to confirm the number ). So they said I needed to send them proof of identity, SSN, and current address. I sent them a copy of my passport, social security card, and a then current bill with my address. They ignored me. So I sent that all again after a few weeks. Again, total silence on their part. \n\nIn the second instance, I applied for a card. Once again I verified my phone via text. This time they required proof of identity that had a barcode on it. I only have a passport, which does not have a barcode on it. So I took a picture of a barcode for them. A few days later, I received a letter stating that they once again needed proof of identity, SSN, and current address. So this time I sent them a copy of my passport, tax returns to verify SSN, and a mortgage statement to verify the address. Once again, they have ignored me. \n\nThey've made me waste a lot of time with their excessive requirements. The least they could do would be to tell me why they're still denying me credit after I did everything they asked - twice!","date_sent_to_company":"2021-01-13T17:56:33.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"652XX","tags":null,"has_narrative":true,"complaint_id":"4065572","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-01-13T17:47:18.000Z","state":"MO","company_public_response":null,"sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["In the second instance, I applied for a <em>card</em>. Once again I <em>verified</em> my phone via text. This time they required <em>proof</em> of <em>identity</em> that had a barcode on it. I only have a passport, which does not have a barcode on it. So I took a picture of a barcode for them. A few days later, I received a letter stating that they once again needed <em>proof</em> of <em>identity</em>, SSN, and <em>current</em> address."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[21.878471,"4065572"]},{"_index":"complaint-public-v1","_id":"15033325","_score":20.309551,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ally Financial is currently reporting a charge off to my consumer credit report. I accept no responsibility to this debt. \n\nI am requesting assistance from the XXXX to enforce that Ally Financial provide validation of ownership to this debt. Including proof of identity with a current, unexpired, government-issued photo ID such as driver 's license or passport to verify identity. Be sure to verify it was valid prior to entering agreement according to federal law. Also not to confuse validation with verification. \n\nLenders have a legal obligation to verify identities to ensure regulatory compliance, inadequate identity verification can lead to non-compliance with those regulations. Without proof that my identity was verified properly prior to disturbing the loan, the loan should be discharge. \n\nThe lender experienced a data breach, Ally failed to properly secure and safeguard the personally identifiable information of millions of customers. The breach exposed sensitive customer information, including names, address, social security numbers and financial data. Class action lawsuits have been filed in the XXXX XXXX XXXX stating Allys negligence and failure to protect customer data, including claims of identity theft and lowered credit scores. \n\nAlly has only submitted certain identifiers to associate this alleged account ; but no actual validation such as a copy of social security card, valid government-issued photo ID, or employment paystubs has been confirmed. Ally has also produced an odometer statement with no date ; jurisdictions require the date on the odometer disclosure statement for legal and regulatory purposes. These inconsistencies suggest manipulation of the system. I am requesting that the account be removed from my consumer credit report. \n\nI will continue to pursue legal ways to removal this charge off account until my request is satisfied. Including submitting a complaint with the Federal Reserve Board ( FRB ) the primary federal regulator overseeing Ally Bank and Ally Bank 's parent company, Ally Financial Inc . \n\nThe CFPB has authority to enforce various laws and regulations, including the prohibition of unfair, deceptive, or abusive acts or practices by covered persons and Ally Financial. This complaint serves as a description of deceptive practices.","date_sent_to_company":"2025-08-01T22:45:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48227","tags":null,"has_narrative":true,"complaint_id":"15033325","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-08-01T22:40:38.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Ally Financial is <em>currently</em> reporting a charge off to my consumer credit report. I accept no responsibility to this debt. \n\nI am requesting assistance from the XXXX to enforce that Ally Financial provide validation of ownership to this debt. Including <em>proof</em> of <em>identity</em> with a <em>current</em>, unexpired, government-issued photo ID such as driver 's license or passport to <em>verify</em> <em>identity</em>. Be sure to <em>verify</em> it was valid prior to entering agreement according to federal law."]},"sort":[20.309551,"15033325"]},{"_index":"complaint-public-v1","_id":"3426380","_score":19.972023,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, I have been disputing a total of 18 inaccurate student loan late payments from XX/XX/2015- XX/XX/2015 ( accounts-XXXX/ XXXX XXXX ) that recently appeared on my credit report with Equifax. Also the same accounts are reported differently with XXXX I had my address updated with them, also providing a valid and current Driver License and Social Security card and banking statement with my correct current address during disputes. Because they sent letters to my current address requesting verification of my identity, but still report wrong address on my credit report How is that possible? I even called them numerous of times to have them update my identity with current information. So now I pull my credit report and they are yet again still reporting wrong address ( proof enclosed ) and now these late payments have shown up on accounts listed which were not there before. Clearly a violation with the FCRA, and I want to take legal action on this matter.","date_sent_to_company":"2019-11-02T22:48:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33139","tags":null,"has_narrative":true,"complaint_id":"3426380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-11-02T21:52:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Also the same accounts are reported differently with XXXX I had my address updated with them, also providing a valid and <em>current</em> Driver License and Social <em>Security</em> <em>card</em> and banking <em>statement</em> with my correct <em>current</em> address during disputes. Because they sent letters to my <em>current</em> address requesting <em>verification</em> of my <em>identity</em>, but still report wrong address on my credit report How is that possible? I even called them numerous of times to have them update my <em>identity</em> with <em>current</em> information."]},"sort":[19.972023,"3426380"]},{"_index":"complaint-public-v1","_id":"9838828","_score":19.602499,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX, \" We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. \n\nAccording to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. \n\nPlease confirm your identity by sending us the following : One copy of a government issued identification card, such as a drivers license, state ID card, etc., and One copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. \n\nTo protect your personal information, XXXX does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. \n\n\" To view your rights, visit XXXX XXXX XXXX","date_sent_to_company":"2024-08-18T20:35:34.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"75052","tags":null,"has_narrative":true,"complaint_id":"9838828","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-18T20:23:11.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Please confirm your <em>identity</em> by sending us the following : One copy of a government issued identification <em>card</em>, such as a drivers license, state ID <em>card</em>, etc., and One copy of a utility bill, bank or insurance <em>statement</em> to <em>verify</em> your address Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social <em>Security</em> number Date of birth Complete addresses for the past two years Make sure that each copy is legible and"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[19.602499,"9838828"]},{"_index":"complaint-public-v1","_id":"9839708","_score":19.59664,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX, \" We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. \n\nAccording to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. \n\nPlease confirm your identity by sending us the following : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc., and XXXX copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. \n\nTo protect your personal information, XXXX does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. \n\n\" To view your rights, visit www.experian.com/fraudrights and XXXX","date_sent_to_company":"2024-08-18T20:35:43.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"75052","tags":null,"has_narrative":true,"complaint_id":"9839708","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-18T20:35:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Please confirm your <em>identity</em> by sending us the following : XXXX copy of a government issued identification <em>card</em>, such as a drivers license, state ID <em>card</em>, etc., and XXXX copy of a utility bill, bank or insurance <em>statement</em> to <em>verify</em> your address Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social <em>Security</em> number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[19.59664,"9839708"]},{"_index":"complaint-public-v1","_id":"9839707","_score":19.567848,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX, \" We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. \n\nAccording to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. \n\nPlease confirm your identity by sending us the following : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc., and XXXX copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. \n\nTo protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. \n\n\" To view your rights, visit XXXX XXXX XXXX","date_sent_to_company":"2024-08-18T20:35:43.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"75052","tags":null,"has_narrative":true,"complaint_id":"9839707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-18T20:35:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Please confirm your <em>identity</em> by sending us the following : XXXX copy of a government issued identification <em>card</em>, such as a drivers license, state ID <em>card</em>, etc., and XXXX copy of a utility bill, bank or insurance <em>statement</em> to <em>verify</em> your address Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social <em>Security</em> number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[19.567848,"9839707"]},{"_index":"complaint-public-v1","_id":"11394776","_score":19.376928,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding the handling of my consumer report dispute with Equifax. I have made several attempts to correct an inaccurate address that is reported on my Equifax credit report. Despite submitting multiple forms of identification and evidence proving my current, accurate address, Equifax has failed to correct the information, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) .Equifaxs recent correspondence has requested that I provide documentation showing my full Social Security number and a utility bill with my current address in order to verify my identity. As a consumer, I deeply care about my privacy and do not feel comfortable sending sensitive documentation such as my full Social Security number, especially in the context of a dispute regarding inaccurate information. This request is unnecessary and excessive, given that I have already provided sufficient documentation to verify my identity and address.To illustrate, I have already sent the following documents to Equifax, which clearly demonstrate my accurate address : 1. A state-issued identification card ( ID ), which is an official and highly reliable form of identification issued by my state. It includes my full name, photo, date of birth, and current address. This is a widely accepted and legitimate form of identification that fully verifies my identity and current residence. \n\n\n2. A recent bank statement, which also clearly shows my current, accurate address.\n\nBoth of these documents were notarized, further ensuring their authenticity and my identity. I have already sent these notarized letters to Equifax multiple times, but despite this, Equifax has continued to report both my correct address and the inaccurate address as current. \nIn contrast, after submitting the same documentation to the XXXX other major consumer reporting agencies ( XXXX and XXXX ), both agencies deleted the inaccurate address from my credit reports, confirming the validity of my dispute and the accuracy of my current address. This further underscores that the documentation I provided is sufficient for identity verification and address correction.I respectfully request that the CFPB investigate this matter, as I believe Equifaxs actions violate the FCRA, particularly the provision that requires consumer reporting agencies to correct or delete inaccurate information from credit reports after a reasonable dispute. I have provided clear proof of my identity and address, yet Equifax has failed to act in accordance with the law by continuing to report incorrect information. \n\nI am attaching documents such as my state issued ID, current bank statement, my complaints against XXXX  and XXXX  regarding the innaccurate address and before XXXX and XXXX deleted the innaccurate address to after they deleted it","date_sent_to_company":"2025-01-07T03:25:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10467","tags":null,"has_narrative":true,"complaint_id":"11394776","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-07T03:07:41.000Z","state":"NY","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["A state-issued identification <em>card</em> ( ID ), which is an official and highly reliable form of identification issued by my state. It includes my full name, photo, date of birth, and <em>current</em> address. This is a widely accepted and legitimate form of identification that fully <em>verifies</em> my <em>identity</em> and <em>current</em> residence. \n\n\n2. A recent bank <em>statement</em>, which also clearly shows my <em>current</em>, accurate address.\n\nBoth of these documents were notarized, further ensuring their authenticity and my <em>identity</em>."]},"sort":[19.376928,"11394776"]},{"_index":"complaint-public-v1","_id":"17302956","_score":18.762352,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian Information Solutions , Inc. for reporting incorrect and outdated personal information in my credit file, despite my formal written request for correction pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). \n\nOn XX/XX/year>, I obtained my three-bureau credit report through XXXX, and noticed that Experian is displaying personal data that does not match my government-issued ID or current proof of address. \nBelow are the inaccuracies found : Incorrect Name : XXXX XXXX XXXX instead of my correct full legal name XXXX XXXX XXXX XXXX XXXX \n\nAddress Discrepancy : XXXX XXXX XXXX, XXXX, UT XXXX ( missing directional W and incomplete address format ). \n\nOutdated Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX UT XXXX, which is no longer my current residence. \n\nCorrect Current Address : XXXX XXXX Ct XXXX XXXX, XXXX, TX XXXX, verified through my XXXX  XXXX XXXX statement and Texas Drivers License. \n\nOn XX/XX/year>, I sent a formal personal information correction letter to Experian under FCRA 611 ( a ) requesting the update or removal of all inaccurate information. \nI attached copies of my Texas Drivers License, Social Security Card ( last XXXX digits : XXXX ), and XXXX  XXXX XXXX statement ( XX/XX/year> ) as valid proof of my identity and current address.","date_sent_to_company":"2025-11-17T18:25:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79707","tags":null,"has_narrative":true,"complaint_id":"17302956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-17T18:08:06.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I attached copies of my Texas Drivers License, Social <em>Security</em> <em>Card</em> ( last XXXX digits : XXXX ), and XXXX  XXXX XXXX <em>statement</em> ( XX/XX/year> ) as valid <em>proof</em> of my <em>identity</em> and <em>current</em> address."]},"sort":[18.762352,"17302956"]},{"_index":"complaint-public-v1","_id":"17301897","_score":18.762352,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax Information Services LLC for reporting incorrect and outdated personal information in my credit file, despite my formal written request for correction under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). \n\nOn XX/XX/2025, I obtained my three-bureau credit report through XXXX and found that Equifax is reporting inaccurate personal information that does not match my official identification or current proof of address. \nBelow are the discrepancies : Incorrect Name : XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, instead of my full legal name XXXX XXXX XXXX XXXX. \n\nIncorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, which lists the wrong city. The correct city should be XXXX, UT XXXX. \n\nOutdated Address : XXXX XXXX, XXXX, UT XXXX, which is no longer my current residence. \n\nCorrect Current Address : XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, TX XXXX, verified through my XXXX  XXXX XXXX statement and Texas Drivers License. \n\nOn XX/XX/2025, I sent a formal personal information correction letter to Equifax under FCRA 611 ( a ), requesting that all inaccurate or outdated information be updated or deleted.\n\nI attached copies of my Texas Drivers License, Social Security Card ( last XXXX digits : XXXX ), and XXXX  XXXX XXXX statement ( XX/XX/2025 ) as valid proof of my identity and current address.","date_sent_to_company":"2025-11-17T18:32:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79707","tags":null,"has_narrative":true,"complaint_id":"17301897","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-17T18:25:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I attached copies of my Texas Drivers License, Social <em>Security</em> <em>Card</em> ( last XXXX digits : XXXX ), and XXXX  XXXX XXXX <em>statement</em> ( XX/XX/2025 ) as valid <em>proof</em> of my <em>identity</em> and <em>current</em> address."]},"sort":[18.762352,"17301897"]},{"_index":"complaint-public-v1","_id":"16544281","_score":18.682732,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian for its refusal to properly investigate my formal credit dispute, in clear violation of the Fair Credit Reporting Act ( FCRA ). \nOn XX/XX/year>, I mailed a dispute letter to Experian via XXXX XXXX Mail ( Tracking No. XXXX ). In this correspondence, I identified multiple inaccuracies and incorrect personal information on my credit report. To ensure full verification of my identity and address, I enclosed a copy of my government-issued photo ID, Social Security card , and a recent bank statement reflecting my current residence. According to XXXX records, Experian received the letter on XX/XX/year>. \nDespite providing complete and verifiable documentation, Experian responded on XX/XX/year> via email stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. \nThis response is entirely unacceptable and demonstrates willful noncompliance with the FCRA. The law clearly requires Experian to conduct a reasonable reinvestigation when a consumer disputes information on their file. My dispute met every statutory requirement for verification and authenticity, yet Experian arbitrarily refused to investigate. By disregarding a legitimate dispute and dismissing it under false pretenses, Experian effectively denied me my right to an accurate and fair credit report. \nExperians actionsor lack thereofconstitute a deliberate obstruction of the dispute process mandated by federal law. This failure not only violates the FCRA but also undermines consumer trust in the credit reporting system as a whole. \nTo support my claim, I have included a copy of my dispute letter along with identity verification documents ( photo ID, Social Security card, and bank statement ), XXXX proof of delivery, and Experians response email dated XX/XX/year>.","date_sent_to_company":"2025-10-13T17:50:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85259","tags":null,"has_narrative":true,"complaint_id":"16544281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-13T17:44:34.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["To support my claim, I have included a copy of my dispute letter along with <em>identity</em> <em>verification</em> documents ( photo ID, Social <em>Security</em> <em>card</em>, and bank <em>statement</em> ), XXXX <em>proof</em> of delivery, and Experians response email dated XX/XX/year>."]},"sort":[18.682732,"16544281"]},{"_index":"complaint-public-v1","_id":"10874366","_score":18.649828,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing in response to your recent communication, dated XX/XX/year> ; XXXX, requesting additional documentation, including two years of proof of address, in connection with my Fair Credit Reporting Act ( FCRA ) violations complaint. I must object to this request, as it is both unreasonable and inconsistent with the documentation requirements for the dispute you already processed. \n\nWhen I submitted my initial dispute, I provided the following documentation : A copy of my Maryland drivers license A copy of my Social Security card A bank statement as proof of my current address You accepted these documents as sufficient to verify my identity and initiate the dispute process. Your current request for additional, excessive documentation, including XXXX years of proof of address, is not required by law and creates unnecessary barriers to the resolution of my complaint. \n\nApplicable Laws and Violations XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX ( a ) ( XXXX ) : Reasonable Identification Requirements Under the FCRA, consumer reporting agencies ( CRAs ) are permitted to request reasonable identification to verify a consumers identity. However, the law does not specify or require the type of excessive documentation you are now demanding. The Maryland drivers license, Social Security card, and bank statement I provided are well within the scope of what is considered reasonable identification. \nViolation : By requesting additional documentation beyond what the law requires, you are imposing unreasonable burdens that obstruct my rights as a consumer under the FCRA. \n15 U.S.C. XXXX ( a ) ( XXXX ) : Duty to Conduct a Reinvestigation The FCRA requires that CRAs conduct a reasonable reinvestigation of disputed information within 30 days. You have already accepted my identity documents for this purpose. Requiring excessive additional documentation to address my FCRA violations complaint delays the process and fails to meet your obligations under the law. \nViolation : Your additional documentation demands represent a failure to conduct a reasonable reinvestigation as required by the FCRA. \n\nXXXX. FTC and CFPB Guidance Both the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) have issued guidance prohibiting CRAs from imposing unnecessary barriers for consumers. Specifically : CRAs may request minimal identification necessary to verify a consumers identity, but must avoid excessive requirements that create delays or prevent consumers from resolving disputes or complaints. \nImposing arbitrary and redundant documentation requirements is considered a violation of federal consumer protection standards. \n\nXXXX. Maryland Consumer Protection Act ( MCPA ) Under the MCPA, your request for excessive documentation may constitute an unfair or deceptive trade practice, particularly since you have already verified my identity and processed disputes using the same documentation.","date_sent_to_company":"2024-11-20T06:38:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"206XX","tags":null,"has_narrative":true,"complaint_id":"10874366","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-20T06:32:03.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["When I submitted my initial dispute, I provided the following documentation : A copy of my Maryland drivers license A copy of my Social <em>Security</em> <em>card</em> A bank <em>statement</em> as <em>proof</em> of my <em>current</em> address You accepted these documents as sufficient to <em>verify</em> my <em>identity</em> and initiate the dispute process. Your <em>current</em> request for additional, excessive documentation, including XXXX years of <em>proof</em> of address, is not required by law and creates unnecessary barriers to the resolution of my complaint."]},"sort":[18.649828,"10874366"]},{"_index":"complaint-public-v1","_id":"5432637","_score":18.645529,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax is breaking the law and I'm being a victim of Identity theft by Equifax Information Services LLC and I am being ignored by their company. ( Police report attached and FTC report attached ) Please be advised this is my third complaint with the CFPB, This is the second time Equifax information Services LLC send me the same correspondence ( attached ) making false statements that the proof of identity does not match the information they currently have on my credit file, not only do I believe this to be a stall tactic on their part to avoid and not to comply with my original request, but I believe it to be a blatant violation of the FCRA. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act. \n\nI sent them 5 times, let me repeat.. 5 times ... my social security card, two bills with my current address, and they still making false statements that they cant verify my identity. ( attached with this complaint my social security card and two bills with my current address ). \n\nAlso their CFPB responses always is the following \" '' Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file '' '' STOP STOP STOP WITH THE SAME RESPONSE STOP violating the Fair Credit Reporting Act I have a relatively high degree of mental pain and I'm suffering mental anguish, feeling overwhelmed helpless, XXXX and spending a lot of time worrying due to the Identity theft caused by Equifax Information Services LLC I will continue to make complaints with the CFPB and the State Attorney until Equifax stop breaking the law. Equifax Information Services LLC is in violation of 15 USC 1681b ( a ) ( 2 ). I the consumer never gave Equifax Information Services LLC any written consent to report the mentioned accounts in my consumer report, ( XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX ) No consent is Identity Theft.","date_sent_to_company":"2022-04-11T18:14:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32837","tags":"Servicemember","has_narrative":true,"complaint_id":"5432637","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-04-11T17:36:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I sent them 5 times, let me repeat.. 5 times ... my social <em>security</em> <em>card</em>, two bills with my <em>current</em> address, and they still making false <em>statements</em> that they cant <em>verify</em> my <em>identity</em>. ( attached with this complaint my social <em>security</em> <em>card</em> and two bills with my <em>current</em> address ). \n\nAlso their CFPB responses always is the following \" '' Thank you for submitting your complaint through the CFPB Complaint Portal."]},"sort":[18.645529,"5432637"]},{"_index":"complaint-public-v1","_id":"7371765","_score":18.568579,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian emailed me this letter on XX/XX/2023, XXXX about sending in supporting documents Email states : We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. \n\nAccording to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. \n\nPlease confirm your identity by sending us the following : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc., and XXXX copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. \n\nTo protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. \n\nI was able to upload the identity theft report but was unable to upload the remaining documents via Experian.com/upload therefore Experian opened up regular disputes instead of blocking Information all documents were sent via email to XXXX XXXX XXXX","date_sent_to_company":"2023-08-08T08:26:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11722","tags":null,"has_narrative":true,"complaint_id":"7371765","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-08T08:08:07.000Z","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":["Please confirm your <em>identity</em> by sending us the following : XXXX copy of a government issued identification <em>card</em>, such as a drivers license, state ID <em>card</em>, etc., and XXXX copy of a utility bill, bank or insurance <em>statement</em> to <em>verify</em> your address Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social <em>Security</em> number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible"]},"sort":[18.568579,"7371765"]},{"_index":"complaint-public-v1","_id":"9664786","_score":18.558254,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was sent this from Experian. Now someone tell me how can they report scores on my credit if they don't know who I am. Now try to contact them through their response. \nMember ID # XXXX XXXX XXXX XXXX, We were unable to honor your recent request because you did not provide sufficient or legible identification information for us to verify your identity. \n\nPlease send proof of your Social Security number, such as a copy of your Social Security card or a document from the Social Security Administration that displays your name along with your Social Security number. In addition, we will need all of the following information : One copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and One copy of a current utility bill, bank or insurance statement, etc.\n\nPlease also include the following identification information : Your full name including middle initial ( and generation - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. \n\nList any information that you would like to dispute, and tell us specifically why you believe the information is not accurate. \n\nTo protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. \n\nConnect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here! \n\nPLEASE DO NOT REPLY TO THIS MESSAGE This notice is systemically generated, and we can not receive responses. \n\nExperian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc. Other product and company names mentioned herein are the property of their respective owners. \n\nPrivacy Policy Contact Us","date_sent_to_company":"2024-07-31T01:14:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"773XX","tags":"Older American","has_narrative":true,"complaint_id":"9664786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-31T01:14:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Member ID # XXXX XXXX XXXX XXXX, We were unable to honor your recent request because you did not provide sufficient or legible identification information for us to <em>verify</em> your <em>identity</em>. \n\nPlease send <em>proof</em> of your Social <em>Security</em> number, such as a copy of your Social <em>Security</em> <em>card</em> or a document from the Social <em>Security</em> Administration that displays your name along with your Social <em>Security</em> number."]},"sort":[18.558254,"9664786"]},{"_index":"complaint-public-v1","_id":"8100276","_score":18.553446,"_source":{"product":"Credit card","complaint_what_happened":"Date of Incident : XXXX XXXX XXXX  Description of the Incident : On XXXX XXXX XXXX, I received a text from Chase Bank regarding a declined transaction of {$500.00} at XXXX  XXXX XXXX XXXX charged to my credit card. Responding that the transaction was unauthorized, Chase Bank closed my card and issued a new one. \n\nUpon reviewing my bank account, I noticed a pending {$500.00} transaction to the same merchant, XXXX XXXX XXXX XXXX. It was later discovered that there were two attempts of {$500.00} transactions, with only one being declined. Believing this to be a case of identity theft, I reported the situation to Chase Bank. I mentioned a recent incident where my wallet was temporarily lost but returned with all cards intact, raising the possibility of information theft. \n\nChase initially reimbursed the {$500.00}, but approximately one and a half months later, the charge was reposted to my account. Chase explained that the merchant had successfully disputed my claim, presenting a copy of my driver 's license as authorization proof. This evidence was accepted without verifying the current validity of my ID or investigating how my ID was obtained by the merchant.\n\nAdditional Concerns : Inadequate Verification of Fraudulent Activity : The bank accepted the merchant 's proof without cross-referencing it with my current identification or considering the possibility of identity theft. \n\nQuestioning of Lack of Police Report : Despite not having concrete evidence to file a police report at the time of the wallet incident, Chase representatives repeatedly questioned why I had not made one. This line of questioning disregards the complexity of identity theft situations where evidence is not always immediately apparent. \n\nPotential Internal Security Breach : Ironically, the last known instance of my ID being copied was at a Chase Bank branch. This raises concerns about internal security and the handling of personal information. \n\nInconsistent and Incomplete Investigation : In a conversation with a Chase representative, after several attempts to reach a U.S.-based agent, the representative inquired about additional transactions not reflected in my statement. The representative offered to send me this information, but I never received it. This incomplete and inconsistent handling of the investigation further demonstrates the bank 's inadequate response to the situation. \n\nLack of Support in Fraud Resolution : Despite my efforts to dispute the charge and provide context, the bank has not adequately investigated or resolved the issue, leading to financial loss and concern for my identity security.","date_sent_to_company":"2024-01-03T14:43:58.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91201","tags":null,"has_narrative":true,"complaint_id":"8100276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-01-03T14:21:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Chase explained that the merchant had successfully disputed my claim, presenting a copy of my driver 's license as authorization <em>proof</em>. This evidence was accepted without <em>verifying</em> the <em>current</em> validity of my ID or investigating how my ID was obtained by the merchant.\n\nAdditional Concerns : Inadequate <em>Verification</em> of Fraudulent Activity : The bank accepted the merchant 's <em>proof</em> without cross-referencing it with my <em>current</em> identification or considering the possibility of <em>identity</em> theft."],"product":["Credit <em>card</em>"],"issue":["Problem with a purchase shown on your <em>statement</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["Credit <em>card</em> company isn't resolving a dispute about a purchase on your <em>statement</em>"]},"sort":[18.553446,"8100276"]},{"_index":"complaint-public-v1","_id":"4223840","_score":18.548494,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In response to : XXXX XXXX XXXX, We received the copy of the identity theft report that you provided ; however, in order to process your request to block information in your personal credit report due to identity theft, we need additional information. \nPlease send : all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency To verify your identity, please include the following : Your full name including middle initial ( and generation such as JR, SR, II, III ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc.\n\nOne copy of a utility bill, bank or insurance statement, etc.\n\nMake sure that each copy is legible and displays your name and current mailing address and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. \nTo protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. Be sure to enclose a copy of the identity theft report that alleges this crime. \nIf you do not provide Experian with the required information specified above, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked. \n\n*** I'M ALSO NOW SUBMITTING AN FTC IDENTITY THEFT REPORT XX/XX/21 WITH ALL OTHER DOCUMENTS.","date_sent_to_company":"2021-03-17T07:44:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90805","tags":null,"has_narrative":true,"complaint_id":"4223840","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-03-17T07:38:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["One copy of a utility bill, bank or insurance <em>statement</em>, etc.\n\nMake sure that each copy is legible and displays your name and <em>current</em> mailing address and the date of issue ( <em>statement</em> dates must be recent ). We are unable to accept credit <em>card</em> <em>statements</em>, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as <em>proof</em>. \nTo protect your personal identification information, Experian does not return correspondence sent to us."]},"sort":[18.548494,"4223840"]},{"_index":"complaint-public-v1","_id":"6190319","_score":18.546047,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have contacted XXXX, ( State of Illinois Department of Employment Security ), numerous times regarding benefits that have not been paid to me. After almost XXXX years of finally verifying my identity with XXXX, they notified me that my benefits have been paid long before and money was sent to a prepaid KeyBank debit card. I contacted KeyBank, at ( XXXX ) XXXX, and provided the information XXXX provided me. They asked for my social security number, which I gave, and they provided me with limited information but stated that there was a card in my name and was used regularly and had a balance of XXXX dollars, {$5.00}. I told the representative I spoke with that I never ever received any such card and thought my money was going to be sent to my checking account which I provided XXXX  in XXXX. She then closed the account, changed the mailing address to my current one, listed above, and mailed out a card without verifying my identity. She claimed on that phone call that the disputes would have to go back starting XX/XX/XXXX, when the XXXX benefits started being sent and said she will start the dispute process and to call back to check status within a couple of weeks. \nAfter a couple of weeks, I called back, and no such dispute ever started, and that representative told me I was given the wrong information. At this point I started now taking notes of every phone call I made so I have a record in case this needs to go to court. I was transferred and connected now to the actual dispute department, phone number : ( XXXX ) XXXX. \nOn XX/XX/XXXX, the dispute department stated they can not start a dispute until I verified my identity. I emailed, at XXXX, copy of my XXXX XXXX bill, which was XXXX of the options to verify my address identity. I did not receive any response to that email but called in to confirm they received it and claimed they did not but have copies email XXXX. \n\nOn XX/XX/XXXX, I once again sent another email and copy of my XXXX XXXX bill and once again no response and when I called now I was given information it was sent to the wrong email address and to send now to another email address, which is : XXXX. I have sent numerous emails to both these emails since each has been giving me XXXX of them. These are all the dates I sent emails to both email address they provided me : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. \n\nIn between these emails I spoke with a Supervisor named XXXX, who was on the phone for about an hour with me guiding me on how to try and email picture copies instead of pdf copies of either my auto insurance bill or IRS letter which I also receive at this mailing address and finally received an approval email but the dispute department claims that was for a replacement card and told her I already have a replacement card, that email was sent to proceed with the disputes and not a replacement card. During this phone call I was laughed at trying to explain it, but the email clearly explained in detail that for which the documents were sent. I also sent a copy of my drivers license at this point which was not even an option on the list I was provided. \nOn XXXX XXXX I made once again another phone call and talked to a XXXX from disputes department and now was finally given another way of sending in my bill and identification to a fax number. At this point this will be my last draw, this has been going on far too long and I have verified myself many times, they even mailed out a replacement card before verifying me. After verifying myself the XXXX time I was given another card. I faxed and mailed, by certified US mail, these documents, including this letter, as proof of my identity and mailing address. \nI have attached a copy of my current XXXX XXXX XXXX XXXX and a copy of my Drivers license as proof of my identity and proof of current mailing address, which XXXX replacements cards have already been mailed to. Ive also requested copies of all statements regarding this account and as stated per our phone call conversation and I have not received full statements of the account or money amounts sent by XXXX. On XX/XX/XXXX, I called Key Bank disputes department again and was told the money was put on the card the mailed me out but reversed because I again failed the verification process. Which again makes no sense how are you mailing me out multiple debit cards if I am not verified?","date_sent_to_company":"2022-11-11T17:23:02.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"6190319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2022-11-11T17:00:25.000Z","state":"FL","company_public_response":null,"sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["I have attached a copy of my <em>current</em> XXXX XXXX XXXX XXXX and a copy of my Drivers license as <em>proof</em> of my <em>identity</em> and <em>proof</em> of <em>current</em> mailing address, which XXXX replacements cards have already been mailed to. Ive also requested copies of all <em>statements</em> regarding this account and as stated per our phone call conversation and I have not received full <em>statements</em> of the account or money amounts sent by XXXX."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"sub_product":["Government benefit <em>card</em>"],"sub_issue":["Charged for a purchase or transfer you did not make with the <em>card</em>"]},"sort":[18.546047,"6190319"]},{"_index":"complaint-public-v1","_id":"9664728","_score":18.542942,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was sent this from Experian. Now someone tell me how can they report scores on my credit if they don't know who I am. Now try to contact them through their response. \nMember ID # XXXX XXXX XXXX XXXX, We were unable to honor your recent request because you did not provide sufficient or legible identification information for us to verify your identity. \n\nPlease send proof of your Social Security number, such as a copy of your Social Security card or a document from the Social Security XXXX that displays your name along with your Social Security number. In addition, we will need all of the following information : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and XXXX copy of a current utility bill, bank or insurance statement, etc. \nPlease also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. \n\nList any information that you would like to dispute, and tell us specifically why you believe the information is not accurate. \n\nTo protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. \n\nConnect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every XXXX days upon log in. No credit card required. Start Here! \n\nPLEASE DO NOT REPLY TO THIS MESSAGE This notice is systemically generated, and we can not receive responses. \n\nExperian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc. Other product and company names mentioned herein are the property of their respective owners. \n\nPrivacy Policy Contact Us","date_sent_to_company":"2024-07-31T01:13:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"773XX","tags":"Older American","has_narrative":true,"complaint_id":"9664728","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-31T01:00:05.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Member ID # XXXX XXXX XXXX XXXX, We were unable to honor your recent request because you did not provide sufficient or legible identification information for us to <em>verify</em> your <em>identity</em>. \n\nPlease send <em>proof</em> of your Social <em>Security</em> number, such as a copy of your Social <em>Security</em> <em>card</em> or a document from the Social <em>Security</em> XXXX that displays your name along with your Social <em>Security</em> number."]},"sort":[18.542942,"9664728"]},{"_index":"complaint-public-v1","_id":"19036987","_score":18.46667,"_source":{"product":"Student loan","complaint_what_happened":"I am the victim of student loan fraud/identity theft. Federal student loans were taken out in my name without my knowledge or authorization. \nI submitted disputes and identity-theft documentation to XXXX XXXX XXXX  ( XXXX ). XXXX has refused to proceed with its investigation unless I provide the following items : A full, unredacted Social Security card / full XXXX XXXX XXXX XXXX XXXX diploma XXXX has stated in writing that these items are required by the XXXX XXXX XXXX  in order to process a fraud discharge and that without them the XXXX XXXX XXXX can not investigate the fraud. When I asked them to provide written confirmation from the XXXX XXXX XXXX identifying the specific fraud discharge program or regulation under which these documents are required, they could not do so. \n\nI dispute this claim. Educational diplomas are not a lawful or reasonable method of identity verification under the Fair Credit Reporting Act, nor are they required for a federal student loan identity-theft or fraud discharge. Requiring a full, unredacted Social Security number is excessive, unnecessary, and creates a heightened risk of further identity theft. \nI have repeatedly offered to provide all reasonable and customary documentation to verify my identity, including : Government-issued photo identification Proof of current address Proof of Social Security number showing the last four digits only Redacted bank statement FTC Identity Theft Report and police report, if required XXXX has rejected these documents and continues to condition investigation of my dispute on providing diplomas and a full SSN, without citing any statute, regulation, or written XXXX XXXX XXXX guidance that mandates these items. \n\nBy imposing unreasonable and irrelevant documentation requirements, XXXX is effectively preventing investigation of a valid fraud dispute, in violation of its obligations under the Fair Credit Reporting Act. I am requesting regulatory review and corrective action.","date_sent_to_company":"2026-01-27T15:26:12.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"28411","tags":null,"has_narrative":true,"complaint_id":"19036987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Central Research Inc","date_received":"2026-01-27T15:19:08.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["I have repeatedly offered to provide all reasonable and customary documentation to <em>verify</em> my <em>identity</em>, including : Government-issued photo identification <em>Proof</em> of <em>current</em> address <em>Proof</em> of Social <em>Security</em> number showing the last four digits only Redacted bank <em>statement</em> FTC <em>Identity</em> Theft Report and police report, if required XXXX has rejected these documents and continues to condition investigation of my dispute on providing diplomas and a full SSN, without citing any statute, regulation, or written"]},"sort":[18.46667,"19036987"]},{"_index":"complaint-public-v1","_id":"2929077","_score":18.277218,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am trying to unlock my credit report that is frozen with Experian. I have tried online and all they tell me is \" We're sorry. We were unable to honor your request ''. I tried to unlock my credit report so that I can apply for a new loan. I followed the online form on their website only for it to tell me that my information is not valid and that I could either mail in my identifying ( proof of identity, citizenship though social security card, and bank statements for address verification. I tried to call the number and all it does is play an automated recording, I tried to upload the documents and they gave me the error above. I am currently working overseas and do not feel comfortable mailing all these personally identifiable documents in the mail. Their website offers no other resolution other than mailing their phone number only offers me the same mailing solution.","date_sent_to_company":"2018-06-06T13:40:23.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"794XX","tags":null,"has_narrative":true,"complaint_id":"2929077","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-06-06T13:29:39.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["I followed the online form on their website only for it to tell me that my information is not valid and that I could either mail in my identifying ( <em>proof</em> of <em>identity</em>, citizenship though social <em>security</em> <em>card</em>, and bank <em>statements</em> for address <em>verification</em>. I tried to call the number and all it does is play an automated recording, I tried to upload the documents and they gave me the error above."],"issue":["Credit monitoring or <em>identity</em> theft protection services"]},"sort":[18.277218,"2929077"]},{"_index":"complaint-public-v1","_id":"5243316","_score":17.877125,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX has failed to use adequate resources other than the name only matching process. After multiple disputes, my personal identifiers have not been updated. I submitted proof of identity including a copy of my original birth certificate, social security card, XXXX  XXXX ID, current bank statement and utility bill. The date furnished is erroneous and does not belong to me. XXXX has multiple variations of social security numbers listed on my report. None of the variations are correct, which confirms my allegations of improper verification methods used to verify the accounts belong to me. Simply using the name only matching process has affected my credit worthiness and has stopped me from accessing the financial resources needed to support not only myself, but my XXXX month old XXXX XXXX. Being a domestic XXXX victim fleeing my abuser at the start of the pandemic, obtaining housing has been extremely difficult due to the inaccuracies reported on my credit report. I have submitted copies of police reports, my XXXX ID Theft report, requested security alerts and blocks to be placed on the fraudulent accounts, yet my requests have been ignored and the disputes have been verified through the data furnishers. Which XXXX explicitly lists as XXXX XXXX Solutions, I have requested a security freeze, opt-out and request for information deletion. XXXX sent a confirmation via XXXX with a security freeze pin, yet XXXX states that XXXX verified my information. I interpret that as XXXX violated my rights under the XXXX and failed to keep my personal information confidential, causing my disputes to be verified when the reports furnished contain incorrect and out dated information that needs to be deleted and blocked from my consumer reports.","date_sent_to_company":"2022-02-20T14:57:32.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92706","tags":null,"has_narrative":true,"complaint_id":"5243316","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-02-20T14:57:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I submitted <em>proof</em> of <em>identity</em> including a copy of my original birth certificate, social <em>security</em> <em>card</em>, XXXX  XXXX ID, <em>current</em> bank <em>statement</em> and utility bill. The date furnished is erroneous and does not belong to me. XXXX has multiple variations of social <em>security</em> numbers listed on my report. None of the variations are correct, which confirms my allegations of improper <em>verification</em> methods used to <em>verify</em> the accounts belong to me."]},"sort":[17.877125,"5243316"]},{"_index":"complaint-public-v1","_id":"5243315","_score":17.877125,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian has failed to use adequate resources other than the name only matching process. After multiple disputes, my personal identifiers have not been updated. I submitted proof of identity including a copy of my original birth certificate, social security card, CA State ID, current bank statement and utility bill. The date furnished is erroneous and does not belong to me. Experian has multiple variations of social security numbers listed on my report. None of the variations are correct, which confirms my allegations of improper verification methods used to verify the accounts belong to me. Simply using the name only matching process has affected my credit worthiness and has stopped me from accessing the financial resources needed to support not only myself, but my XXXX XXXX XXXX XXXX daughters. Being a XXXX XXXX victim fleeing my abuser at the start of the pandemic, obtaining housing has been extremely difficult due to the inaccuracies reported on my credit report. I have submitted copies of police reports, my FTC ID Theft report, requested security alerts and blocks to be placed on the fraudulent accounts, yet my requests have been ignored and the disputes have been verified through the data furnishers. Which Experian explicitly lists as XXXX XXXX XXXX I have requested a security freeze, opt-out and request for information deletion. XXXX sent a confirmation via USPS with a security freeze pin, yet Experian states that XXXX verified my information. I interpret that as XXXX violated my rights under the FCRA and failed to keep my personal information confidential, causing my disputes to be verified when the reports furnished contain incorrect and out dated information that needs to be deleted and blocked from my consumer reports.","date_sent_to_company":"2022-02-20T14:57:20.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92706","tags":null,"has_narrative":true,"complaint_id":"5243315","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-20T13:47:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I submitted <em>proof</em> of <em>identity</em> including a copy of my original birth certificate, social <em>security</em> <em>card</em>, CA State ID, <em>current</em> bank <em>statement</em> and utility bill. The date furnished is erroneous and does not belong to me. Experian has multiple variations of social <em>security</em> numbers listed on my report. None of the variations are correct, which confirms my allegations of improper <em>verification</em> methods used to <em>verify</em> the accounts belong to me."]},"sort":[17.877125,"5243315"]},{"_index":"complaint-public-v1","_id":"5243314","_score":17.861666,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX has failed to use adequate resources other than the name only matching process. After multiple disputes, my personal identifiers have not been updated. I submitted proof of identity including a copy of my original birth certificate, social security card, CA State ID, current bank statement and utility bill. The date furnished is erroneous and does not belong to me. XXXX has multiple variations of social security numbers listed on my report. None of the variations are correct, which confirms my allegations of improper verification methods used to verify the accounts belong to me. Simply using the name only matching process has affected my credit worthiness and has stopped me from accessing the financial resources needed to support not only myself, but my 5 month old twin daughters. Being a XXXX XXXX XXXX fleeing my XXXX  at the start of the pandemic, obtaining housing has been extremely difficult due to the inaccuracies reported on my credit report. I have submitted copies of police reports, my FTC ID Theft report, requested security alerts and blocks to be placed on the fraudulent accounts, yet my requests have been ignored and the disputes have been verified through the data furnishers. Which XXXX explicitly lists as XXXX XXXX XXXX, I have requested a security freeze, opt-out and request for information deletion. XXXX sent a confirmation via USPS with a security freeze pin, yet XXXX states that XXXX verified my information. I interpret that as XXXX violated my rights under the FCRA and failed to keep my personal information confidential, causing my disputes to be verified when the reports furnished contain incorrect and out dated information that needs to be deleted and blocked from my consumer reports.","date_sent_to_company":"2022-02-20T14:57:32.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92706","tags":null,"has_narrative":true,"complaint_id":"5243314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-20T14:57:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I submitted <em>proof</em> of <em>identity</em> including a copy of my original birth certificate, social <em>security</em> <em>card</em>, CA State ID, <em>current</em> bank <em>statement</em> and utility bill. The date furnished is erroneous and does not belong to me. XXXX has multiple variations of social <em>security</em> numbers listed on my report. None of the variations are correct, which confirms my allegations of improper <em>verification</em> methods used to <em>verify</em> the accounts belong to me."]},"sort":[17.861666,"5243314"]},{"_index":"complaint-public-v1","_id":"10118890","_score":17.755846,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I mailed a dispute letter to Experian requesting a detailed description of the reinvestigation procedures for items they had verified as accurate. I included my photo ID, social security card, and a recent bill with my current address to verify my identity and address. \n\nExperian responded on XX/XX/year> with the following statement : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. \n\nAccording to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the accuracy or completeness of any item on their credit report, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate. Experian 's response indicates that they have not investigated my dispute based on an assertion that my request was not authorized, despite my providing necessary identification and documentation. \n\nExperian 's failure to conduct a reasonable investigation appears to be a violation of my consumer rights under the FCRA. \n\nI am including a copy of my dispute letter sent to Experian, along with Experians response, as proof.","date_sent_to_company":"2024-09-13T14:17:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92584","tags":null,"has_narrative":true,"complaint_id":"10118890","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-13T14:10:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I mailed a dispute letter to Experian requesting a detailed description of the reinvestigation procedures for items they had <em>verified</em> as accurate. I included my photo ID, social <em>security</em> <em>card</em>, and a recent bill with my <em>current</em> address to <em>verify</em> my <em>identity</em> and address. \n\nExperian responded on XX/XX/year> with the following <em>statement</em> : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you."]},"sort":[17.755846,"10118890"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2034,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2034}]}},"product":{"doc_count":2034,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1860,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1856},{"key":"Other personal consumer 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