{"took":926,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1054,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"23131515","_score":24.29483,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX, I applied for an automobile loan with PenFed and received an email notification that I had been prequalified. On XX/XX/XXXX, I was advised to upload documents including an identification and social security card. I was also informed by a gentlemen in PenFed Security that I did not need to upload a utility bill because the address that appeared on my PenFed profile and the credit application were the same, and my address was last updated and had not changed since XXXX. This representative stated that he would make a note on the account stating this fact. I spoke with this gentlemen XX/XX/XXXX between XXXX XXXX  and XXXX XXXX XXXX. I then uploaded the driver 's license and social security card multiple times. The first time I was informed that the documents were blurred and then I was told that the background could not be white. I then uploaded the documents again. This time, despite being told it was not necessary to upload the utility bill, I received an email from the XXXX XXXX, XXXX XXXX, stating \" In order for us to complete the verification of your address, please upload the most recent utility bill in full within the last XXXX  days. Utility bill must show your name, physical services address, and that its a current utility. '' This is contrary to what I had been told by another representative earlier. I explained to the representative that I did not have a utility bill to upload. Subsequently, I received multiple emails requesting Driver 's License, utility bill dated within the past XXXX  days, or current vehicle registration, current, non-expired U.S. government-issued ID, such as a driver 's license or passport, and Social Security Number . The Driver 's License and Social Security card were uploaded more than 9 times. Despite uploading these documents, and being advised that a utility bill was not needed, members of PenFed continued to request the same documents over and over again - to no end. Based on these series of events, I was prevented from moving forward with and participating in the loan process in a timely manner.","date_sent_to_company":"2026-06-11T22:06:53.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"23131515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2026-06-11T21:34:12.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with signing the paperwork"},"highlight":{"complaint_what_happened":["I explained to the representative that I did not have a <em>utility</em> <em>bill</em> to upload. Subsequently, I received multiple emails requesting Driver 's License, <em>utility</em> <em>bill</em> dated within the past XXXX  days, or current vehicle registration, current, non-expired U.S. government-issued ID, such as a driver 's license or passport, and Social <em>Security</em> Number . The Driver 's License and Social <em>Security</em> <em>card</em> were uploaded more than 9 times."]},"sort":[24.29483,"23131515"]},{"_index":"complaint-public-v1","_id":"15021445","_score":24.226807,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir or Madam, I am writing to request a copy of my credit report from your agency. Please ensure that my credit report reflects only one name, XXXX XXXX XXXX, and one address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other names or addresses associated with my report should be removed. Additionally, please remove my Social Security number, any phone numbers, and any email links from the report. \n\nTo verify my identity, I have enclosed copies of my driver 's license, Social Security card, and a recent utility bill. Please send the credit report to the address listed above. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX : Driver 's License, Social Security Card, Utility Bill","date_sent_to_company":"2025-08-03T00:33:11.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"15021445","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-03T00:32:44.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["Additionally, please remove my Social <em>Security</em> number, any phone numbers, and any email links from the report. \n\nTo verify my identity, I have enclosed copies of my driver 's license, Social <em>Security</em> <em>card</em>, and a <em>recent</em> <em>utility</em> <em>bill</em>. Please send the credit report to the address listed above. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX : Driver 's License, Social <em>Security</em> <em>Card</em>, <em>Utility</em> <em>Bill</em>"]},"sort":[24.226807,"15021445"]},{"_index":"complaint-public-v1","_id":"15021444","_score":24.19876,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir or Madam, I am writing to request a copy of my credit report from your agency. Please ensure that my credit report reflects only one name, XXXX XXXX XXXX, and one address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other names or addresses associated with my report should be removed. Additionally, please remove my Social Security number, any phone numbers, and any email links from the report. \n\nTo verify my identity, I have enclosed copies of my driver 's license, Social Security card, and a recent utility bill. Please send the credit report to the address listed above. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX : Driver 's License, Social Security Card, Utility Bill","date_sent_to_company":"2025-08-03T00:33:10.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"15021444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-03T00:32:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["Additionally, please remove my Social <em>Security</em> number, any phone numbers, and any email links from the report. \n\nTo verify my identity, I have enclosed copies of my driver 's license, Social <em>Security</em> <em>card</em>, and a <em>recent</em> <em>utility</em> <em>bill</em>. Please send the credit report to the address listed above. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX : Driver 's License, Social <em>Security</em> <em>Card</em>, <em>Utility</em> <em>Bill</em>"]},"sort":[24.19876,"15021444"]},{"_index":"complaint-public-v1","_id":"15020786","_score":24.19876,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir or Madam, I am writing to request a copy of my credit report from your agency. Please ensure that my credit report reflects only one name, XXXX XXXX XXXX, and one address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other names or addresses associated with my report should be removed. Additionally, please remove my Social Security number, any phone numbers, and any email links from the report. \n\nTo verify my identity, I have enclosed copies of my driver 's license, Social Security card, and a recent utility bill. Please send the credit report to the address listed above. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX : Driver 's License, Social Security Card, Utility Bill","date_sent_to_company":"2025-08-03T00:33:10.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"15020786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-03T00:24:28.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["Additionally, please remove my Social <em>Security</em> number, any phone numbers, and any email links from the report. \n\nTo verify my identity, I have enclosed copies of my driver 's license, Social <em>Security</em> <em>card</em>, and a <em>recent</em> <em>utility</em> <em>bill</em>. Please send the credit report to the address listed above. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX : Driver 's License, Social <em>Security</em> <em>Card</em>, <em>Utility</em> <em>Bill</em>"]},"sort":[24.19876,"15020786"]},{"_index":"complaint-public-v1","_id":"4632007","_score":24.088524,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On or around XX/XX/XXXX, I filled out an online application for a XXXX  credit card offered through Barclays. After a full month I did not have any reply, so I again filled out an online application. I then received a letter saying they needed copies of my Driver 's License, Social Security Card, and utility bill with my name on it. On XX/XX/XXXX I sent photocopies of my DL and SS card, and an original utility bill to : Card Services XXXX XXXX XXXX XXXX, DE XXXX I then received a letter from Barclays saying my application was declined for \" Too many recent applications. '' I waited another two months, applied again online, and again received a request for the same documents. On XX/XX/XXXX, I resent new photocopies and a utility bill to the same address above. I then again received a letter saying my application was declined for \" Too many recent applications. '' In my previous complaint, it appears Barclays responded they did not receive the documents. Barclays has yet to even pull my credit report.","date_sent_to_company":"2021-09-08T03:34:08.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"78729","tags":"Older American","has_narrative":true,"complaint_id":"4632007","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2021-08-14T14:55:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["On or around XX/XX/XXXX, I filled out an online application for a XXXX  credit <em>card</em> offered through Barclays. After a full month I did not have any reply, so I again filled out an online application. I then received a letter saying they needed copies of my Driver 's License, Social <em>Security</em> <em>Card</em>, and <em>utility</em> <em>bill</em> with my name on it."],"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":[24.088524,"4632007"]},{"_index":"complaint-public-v1","_id":"5012074","_score":23.84499,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2021, Lexisnexis I am responding to a email that is attached to this complaint. You asked me to send a clear copy of your driver license, social security card along with your most recent utility bill or credit card statement indicating your current address. I have attached my license, social sercurity and utility bill. I AM DISPUTING A BANKRUPTCY YOU HAVE ON FILE. I WANT TO KNOW THE SOURCE THAT GAVE LEXISNEXIS INFORMATION ABOUT MY BANKRUPTCY. MAIL ME THE THE SOURCE/COURT THAT LEXISNEXIS RECEIVED THE BANKRUPTCY FROM. Mail this informatio to XXXX XXXX XXXX, XXXX XXXX, SC XXXX","date_sent_to_company":"2021-12-15T17:30:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29730","tags":null,"has_narrative":true,"complaint_id":"5012074","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2021-12-15T17:06:47.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You asked me to send a clear copy of your driver license, social <em>security</em> <em>card</em> along with your most <em>recent</em> <em>utility</em> <em>bill</em> or credit <em>card</em> statement indicating your current address. I have attached my license, social sercurity and <em>utility</em> <em>bill</em>. I AM DISPUTING A BANKRUPTCY YOU HAVE ON FILE. I WANT TO KNOW THE SOURCE THAT GAVE LEXISNEXIS INFORMATION ABOUT MY BANKRUPTCY. MAIL ME THE THE SOURCE/COURT THAT LEXISNEXIS RECEIVED THE BANKRUPTCY FROM. Mail this informatio to XXXX XXXX XXXX, XXXX XXXX, SC XXXX"]},"sort":[23.84499,"5012074"]},{"_index":"complaint-public-v1","_id":"5061245","_score":23.07706,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"We received a suspicious letter from a bank : Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX We have'n any commercial relationship with that bank. They allege we submitted a credit card application and requested social security card, birth date, residencial address, driver 's licence and a recent utility bill. \nNo telephone number or bank representative signature appeared on the letter.","date_sent_to_company":"2022-01-03T15:06:54.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"009XX","tags":null,"has_narrative":true,"complaint_id":"5061245","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2022-01-03T14:22:26.000Z","state":"PR","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["They allege we submitted a credit <em>card</em> application and requested social <em>security</em> <em>card</em>, birth date, residencial address, driver 's licence and a <em>recent</em> <em>utility</em> <em>bill</em>. \nNo telephone number or bank representative signature appeared on the letter."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[23.07706,"5061245"]},{"_index":"complaint-public-v1","_id":"3740449","_score":22.933937,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Received a letter from them stating I had applied for credit and requested documentation. \n\nOriginal Pay Stub Copy of Social Security Card Copy of last tax return Original recent utility bill I have never head of this company or applied fro credit from them. I haven't applied for any credit since XXXX XXXX","date_sent_to_company":"2020-07-11T17:56:11.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"11561","tags":"Older American","has_narrative":true,"complaint_id":"3740449","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2020-07-11T17:36:47.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Original Pay Stub Copy of Social <em>Security</em> <em>Card</em> Copy of last tax return Original <em>recent</em> <em>utility</em> <em>bill</em> I have never head of this company or applied fro credit from them. I haven't applied for any credit since XXXX XXXX"],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading advertising about the credit <em>card</em>"]},"sort":[22.933937,"3740449"]},{"_index":"complaint-public-v1","_id":"10437216","_score":22.906334,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My XXXX XXXX XXXX XXXX XXXX account appears on my Equifax credit report twice. It makes it seem as though I owe double the amount of my loan. My Equifax credit report is attached. Please see XXXX XXXXXXXX of the report. I have also attached my ID, social security card, and a recent utility bill.","date_sent_to_company":"2024-10-13T17:36:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"25801","tags":null,"has_narrative":true,"complaint_id":"10437216","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-13T17:30:46.000Z","state":"WV","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have also attached my ID, social <em>security</em> <em>card</em>, and a <em>recent</em> <em>utility</em> <em>bill</em>."]},"sort":[22.906334,"10437216"]},{"_index":"complaint-public-v1","_id":"9628465","_score":22.596395,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/scrub> 2024 I faxed a dispute letter which I received a confirmation that they received successfully. My letter contained specific detailed information detailing the inaccuracies reporting on my credit report. In this letter I included my personal identification including my driver 's license, social security card and a recent utility bill. I have still not received any response.","date_sent_to_company":"2024-07-26T18:11:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70737","tags":null,"has_narrative":true,"complaint_id":"9628465","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-26T17:51:37.000Z","state":"LA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In this letter I included my personal identification including my driver 's license, social <em>security</em> <em>card</em> and a <em>recent</em> <em>utility</em> <em>bill</em>. I have still not received any response."]},"sort":[22.596395,"9628465"]},{"_index":"complaint-public-v1","_id":"15437321","_score":22.595335,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been victim of the XXXX  data breach in XXXX, the National Data data breach in XXXX, and the most recent data breach in XX/XX/XXXX involving XXXX. I just checked my TRANSUNION report and noticed a fraudulent account and inquiry. I have attached a copy of my FTC Identity Theft Report, Drivers License, Social Security Card, and Utility Bill.","date_sent_to_company":"2025-08-21T18:57:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30350","tags":null,"has_narrative":true,"complaint_id":"15437321","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-21T18:33:43.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have been victim of the XXXX  data breach in XXXX, the National Data data breach in XXXX, and the most <em>recent</em> data breach in XX/XX/XXXX involving XXXX. I just checked my TRANSUNION report and noticed a fraudulent account and inquiry. I have attached a copy of my FTC Identity Theft Report, Drivers License, Social <em>Security</em> <em>Card</em>, and <em>Utility</em> <em>Bill</em>."]},"sort":[22.595335,"15437321"]},{"_index":"complaint-public-v1","_id":"9628443","_score":22.570093,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> I faxed a dispute letter which I received a confirmation that they received successfully. My letter contained specific detailed information detailing the inaccuracies reporting on my credit report. In this letter I included my personal identification including my driver 's license, social security card and a recent utility bill. I have still not received any response.","date_sent_to_company":"2024-07-26T18:11:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70737","tags":null,"has_narrative":true,"complaint_id":"9628443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-26T18:11:39.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In this letter I included my personal identification including my driver 's license, social <em>security</em> <em>card</em> and a <em>recent</em> <em>utility</em> <em>bill</em>. I have still not received any response."]},"sort":[22.570093,"9628443"]},{"_index":"complaint-public-v1","_id":"9628442","_score":22.570093,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> I faxed a dispute letter which I received a confirmation that they received successfully. My letter contained specific detailed information detailing the inaccuracies reporting on my credit report. In this letter I included my personal identification including my driver 's license, social security card and a recent utility bill. I have still not received any response.","date_sent_to_company":"2024-07-26T18:11:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70737","tags":null,"has_narrative":true,"complaint_id":"9628442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-26T18:11:39.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In this letter I included my personal identification including my driver 's license, social <em>security</em> <em>card</em> and a <em>recent</em> <em>utility</em> <em>bill</em>. I have still not received any response."]},"sort":[22.570093,"9628442"]},{"_index":"complaint-public-v1","_id":"12536540","_score":22.278002,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Refusing to Process My Dispute Illegal Request for Full Social Security Card I submitted a dispute to Equifax regarding inaccurate information on my credit report. Instead of processing my dispute, Equifax falsely claimed that they can not verify my identity unless I provide a copy of my full Social Security card. \n\nUnder FCRA 611, credit bureaus are required to investigate disputes within 30 days, and a full Social Security card is NOT a legal requirement for identity verification. I have already provided my drivers license and a recent utility bill, which is more than sufficient proof of identity. \n\nEquifax is clearly using this request as a delay tactic to avoid investigating my dispute. \n\nAttach is certify receipts that I mailed it to them with no reply","date_sent_to_company":"2025-03-18T21:00:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"610XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12536540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-18T20:55:24.000Z","state":"IL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have already provided my drivers license and a <em>recent</em> <em>utility</em> <em>bill</em>, which is more than sufficient proof of identity. \n\nEquifax is clearly using this request as a delay tactic to avoid investigating my dispute. \n\nAttach is certify receipts that I mailed it to them with no reply"]},"sort":[22.278002,"12536540"]},{"_index":"complaint-public-v1","_id":"11568488","_score":22.15464,"_source":{"product":"Credit card","complaint_what_happened":"Aspire Credit Card sent me an invitation in the mail to apply which l did, then received email asking me to send a recent pay stub, copy if social security card and recent utility bill which l did, then on XXXX XXXXXXXX XXXX  l receive an email telling me l was denied because of Credit Bureau Mismatch l have never received a response like this, they must have entered some wrong information on there part l monitor my credit files with XXXX XXXX, XXXX, and XXXX and there are no issues what so ever, so the documents l provide especially my social security card with my number there is NO MISMATCH as they state. I want they provide a full explanation. I called there customer service number as well as spoke to a supervisor that was a waste of time, as it was like talking to a recording. I seek your help. Thank You.","date_sent_to_company":"2025-01-16T14:34:54.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"22601","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"11568488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2025-01-16T14:20:46.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Aspire Credit <em>Card</em> sent me an invitation in the mail to apply which l did, then received email asking me to send a <em>recent</em> pay stub, copy if social <em>security</em> <em>card</em> and <em>recent</em> <em>utility</em> <em>bill</em> which l did, then on XXXX XXXXXXXX XXXX  l receive an email telling me l was denied because of Credit Bureau Mismatch l have never received a response like this, they must have entered some wrong information on there part l monitor my credit files with XXXX XXXX, XXXX, and XXXX and there are no issues what so ever,"],"product":["Credit <em>card</em>"],"issue":["Getting a credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[22.15464,"11568488"]},{"_index":"complaint-public-v1","_id":"15181608","_score":22.109154,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like to request that my eleven closed student loan accounts from the Dept of Ed be removed from my Equifax credit report. Please see pages 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, and 22 of the attached report. These accounts are too old to be kept on file. I have also attached my ID, my social security card, and a recent utility bill. Thank you.","date_sent_to_company":"2025-08-09T23:34:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"25801","tags":null,"has_narrative":true,"complaint_id":"15181608","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-09T23:29:24.000Z","state":"WV","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I have also attached my ID, my social <em>security</em> <em>card</em>, and a <em>recent</em> <em>utility</em> <em>bill</em>. Thank you."]},"sort":[22.109154,"15181608"]},{"_index":"complaint-public-v1","_id":"13974911","_score":22.082502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been checking my credit report lately and noticed fraudulent activity on my credit report. There are fraudulent accounts, inquiries, and addresses on my credit report. Please remove these fraudulent items immediately as they are hurting my ability to obtain credit. I have attached a copy of my FTC report as required by the FCRA for identity theft disputes as well as a picture of my drivers license, social security card, and a recent utility bill.","date_sent_to_company":"2025-06-09T22:22:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33805","tags":null,"has_narrative":true,"complaint_id":"13974911","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-09T22:05:42.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have attached a copy of my FTC report as required by the FCRA for identity theft disputes as well as a picture of my drivers license, social <em>security</em> <em>card</em>, and a <em>recent</em> <em>utility</em> <em>bill</em>."]},"sort":[22.082502,"13974911"]},{"_index":"complaint-public-v1","_id":"2626166","_score":22.081902,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX and Transunion refuse to remove fraudulent inquiries on my Credit Report. On XXXX XXXX 2017 I sent letters to all three Credit Reporting agencies describing my problem accurately, request for removal, a copy of Drivers License, a copy of Social Security card, and a recent copy of utility bill to validate claim. XXXX  removed every fraudulent inquiry immediately. Please help me with XXXX and TransUnion. Thank you for your time.","date_sent_to_company":"2017-08-11T06:39:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"366XX","tags":null,"has_narrative":true,"complaint_id":"2626166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-08-11T06:39:29.000Z","state":"AL","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":["On XXXX XXXX 2017 I sent letters to all three Credit Reporting agencies describing my problem accurately, request for removal, a copy of Drivers License, a copy of Social <em>Security</em> <em>card</em>, and a <em>recent</em> copy of <em>utility</em> <em>bill</em> to validate claim. XXXX  removed every fraudulent inquiry immediately. Please help me with XXXX and TransUnion. Thank you for your time."]},"sort":[22.081902,"2626166"]},{"_index":"complaint-public-v1","_id":"2626255","_score":22.061153,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax and XXXX refuse to remove fraudulent inquiries on my Credit Report. On XX/XX/XXXX 2017 I sent letters to all three Credit Reporting agencies describing my problem accurately, request for removal, a copy of Drivers License, a copy of Social Security card, and a recent copy of utility bill to validate claim. XXXX  removed every fraudulent inquiry immediately. Please help me with Equifax and XXXX. Thank you for your time.","date_sent_to_company":"2017-08-11T06:39:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"366XX","tags":null,"has_narrative":true,"complaint_id":"2626255","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-08-11T04:58:50.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX 2017 I sent letters to all three Credit Reporting agencies describing my problem accurately, request for removal, a copy of Drivers License, a copy of Social <em>Security</em> <em>card</em>, and a <em>recent</em> copy of <em>utility</em> <em>bill</em> to validate claim. XXXX  removed every fraudulent inquiry immediately. Please help me with Equifax and XXXX. Thank you for your time."]},"sort":[22.061153,"2626255"]},{"_index":"complaint-public-v1","_id":"11896001","_score":21.924088,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My student loan account with XXXX appears on my TransUnion credit report twice. Please see pages XXXX and XXXX of the attached report. This makes it appear as though I owe double the amount that is actually owed. I have ONE student loan account with XXXX, not two. One of the entries needs to be deleted from my report. I have attached my ID, my social security card, and a recent utility bill to verify my identity.","date_sent_to_company":"2025-02-02T20:05:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"248XX","tags":null,"has_narrative":true,"complaint_id":"11896001","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-02T19:57:44.000Z","state":"WV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have attached my ID, my social <em>security</em> <em>card</em>, and a <em>recent</em> <em>utility</em> <em>bill</em> to verify my identity."]},"sort":[21.924088,"11896001"]},{"_index":"complaint-public-v1","_id":"5230075","_score":21.903599,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2021 and XX/XX/2021 I sent letters requesting that all the inaccurate addresses, phone numbers and names be removed from my credit file, i also sent proof of my address and the name by sending a recent utility bill, a copy of my drivers license with my address on it and a copy of my social security card. \nExperian DID NOT remove any of the inaccuracies from my credit report nor did they respond to my letters.","date_sent_to_company":"2022-02-16T05:39:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"5230075","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-16T05:12:09.000Z","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":["On XX/XX/2021 and XX/XX/2021 I sent letters requesting that all the inaccurate addresses, phone numbers and names be removed from my credit file, i also sent proof of my address and the name by sending a <em>recent</em> <em>utility</em> <em>bill</em>, a copy of my drivers license with my address on it and a copy of my social <em>security</em> <em>card</em>. \nExperian DID NOT remove any of the inaccuracies from my credit report nor did they respond to my letters."]},"sort":[21.903599,"5230075"]},{"_index":"complaint-public-v1","_id":"5224805","_score":21.903599,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted LexisNexis via their email at consumer.documents@LexisNexis.com and provided them with authentication documents including my driver 's license, social security card, and a recent utility bill for my current address. I have attached them here as well. \n\nI am needing them to update my business phone number for my business called XXXX XXXX XXXX XXXX. The correct and current phone number is XXXX.","date_sent_to_company":"2022-02-15T23:15:23.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"92604","tags":null,"has_narrative":true,"complaint_id":"5224805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2022-02-15T23:08:33.000Z","state":"CA","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["I have contacted LexisNexis via their email at consumer.documents@LexisNexis.com and provided them with authentication documents including my driver 's license, social <em>security</em> <em>card</em>, and a <em>recent</em> <em>utility</em> <em>bill</em> for my current address. I have attached them here as well. \n\nI am needing them to update my business phone number for my business called XXXX XXXX XXXX XXXX. The correct and current phone number is XXXX."]},"sort":[21.903599,"5224805"]},{"_index":"complaint-public-v1","_id":"4244754","_score":21.643456,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Have submitted ALL required documentation to report & block ( remove ) accounts that where reported as identity theft. Ive submitted : - a letter notifying bureau of identity theft - Identity theft report with FTC - Identity theft report with local police dept - list of fraudulent accounts - copy of my drivers license, social security card and recent utility bill.\n\nIve submitted all the above documentation 3 times with no result.","date_sent_to_company":"2021-03-25T17:12:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85206","tags":"Servicemember","has_narrative":true,"complaint_id":"4244754","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-03-25T16:59:57.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Ive submitted : - a letter notifying bureau of identity theft - Identity theft report with FTC - Identity theft report with local police dept - list of fraudulent accounts - copy of my drivers license, social <em>security</em> <em>card</em> and <em>recent</em> <em>utility</em> <em>bill</em>.\n\nIve submitted all the above documentation 3 times with no result."]},"sort":[21.643456,"4244754"]},{"_index":"complaint-public-v1","_id":"16371779","_score":21.615128,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like to request that my eleven closed student loan accounts from the XXXX XXXX  XXXX be removed from my Equifax credit report. Please see pages XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of the attached report. These accounts were closed in XXXX of XXXX. These accounts are accordingly too old to be kept on file. I have also attached my ID, my social security card, and a recent utility bill. Thank you.","date_sent_to_company":"2025-10-06T01:06:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"25801","tags":null,"has_narrative":true,"complaint_id":"16371779","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-10-06T00:59:30.000Z","state":"WV","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have also attached my ID, my social <em>security</em> <em>card</em>, and a <em>recent</em> <em>utility</em> <em>bill</em>. Thank you."]},"sort":[21.615128,"16371779"]},{"_index":"complaint-public-v1","_id":"18446003","_score":21.458515,"_source":{"product":"Credit card","complaint_what_happened":"I submitted an application for a XXXX XXXX XXXX through Barclays Bank on XX/XX/XXXX. Barclays opened the account and charged a {$95.00} activation/annual fee but immediately placed a security lock on the account. \n\nBecause of this security lock. I have never been able to access the account, I have never been able to make a payment, I have never received online access or billing functionality Despite this, on XX/XX/XXXX, I was notified that my credit score was negatively impacted due to a missed payment on this account. \n\nBelow is a detailed timeline showing repeated good-faith attempts to resolve this issue : XX/XX/XXXX : First call to Barclays. Transferred to Compliance. Told application was under review and to call back in XXXX business days. \n\nXX/XX/XXXX : XXXX call. Barclays requested copies of my Social Security card, drivers license, and a recent utility bill. Documents were sent the same day via fax. \n\nXX/XX/XXXX : XXXX call. Barclays stated my utility bill ( WOW Internet ) was not acceptable and requested a local/state utility. I faxed a XXXX XXXX utility bill the same day. \n\nXX/XX/XXXX : XXXX call. Barclays claimed faxed documents were unreadable and asked me to resend. Documents resent the same day. \n\nXX/XX/XXXX : XXXX call. Told documents were still under review and to call back after XXXX. \n\nXX/XX/XXXX : XXXX call. Barclays stated they still could not read the faxed documents and requested documents be sent by mail. Copies of my SS card, drivers license, and utility bill were mailed the next day. \n\nXX/XX/XXXX : XXXX call. Barclays confirmed receipt of mailed documents but stated no decision had been made and asked me to follow up after XXXX. \n\nAt no point during this process was I given temporary access to make a payment, an alternate method to pay the {$95.00} fee, a clear resolution timeline, or a rejection or approval decision. \n\nDespite Barclays ongoing internal verification delay, they reported the account as delinquent, negatively impacting my credit.","date_sent_to_company":"2026-01-03T19:53:27.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"48045","tags":null,"has_narrative":true,"complaint_id":"18446003","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2026-01-03T19:12:32.000Z","state":"MI","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":["Barclays requested copies of my Social <em>Security</em> <em>card</em>, drivers license, and a <em>recent</em> <em>utility</em> <em>bill</em>. Documents were sent the same day via fax. \n\nXX/XX/XXXX : XXXX call. Barclays stated my <em>utility</em> <em>bill</em> ( WOW Internet ) was not acceptable and requested a local/state <em>utility</em>. I faxed a XXXX XXXX <em>utility</em> <em>bill</em> the same day. \n\nXX/XX/XXXX : XXXX call. Barclays claimed faxed documents were unreadable and asked me to resend. Documents resent the same day. \n\nXX/XX/XXXX : XXXX call."],"product":["Credit <em>card</em>"],"issue":["Getting a credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[21.458515,"18446003"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1054,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1054}]}},"product":{"doc_count":1054,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":821,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":812},{"key":"Other personal consumer report","doc_count":9}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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