{"took":93,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":739,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"22660909","_score":19.224344,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against Wells Fargo for their refusal to recover {$5700.00} stolen through a bank impersonation scam. While the bank currently classifies this as \" authorized '' because I was coerced into moving the money under false pretenses, I am disputing this based on gross negligence in the bank 's fraud detection protocols.\n\nAccount and Transaction Details : Transactions between XX/XX/year> and XX/XX/year> Amount Stolen : {$2700.00} ( Payroll funds ), {$3000.00} ( credit card cash advance ), Total of {$5700.00} Destination : XXXX XXXX  ( Red Flag Account ) Failed Transaction : XXXX XXXX ( Declined by Bank ) Evidence of Bank Negligence & Systemic Failure : During the course of this scam, two distinct transfer attempts were made under the same fraudulent conditions : Declined Transaction ( XXXX XXXX ) : An attempt to move funds ( an initial transfer of {$200.00} ) to XXXX XXXX was immediately flagged and declined by Wells Fargo s security systems as suspicious/unauthorized. This proves the banks system was capable of identifying the risk.\n\nSuccessful Transaction ( XXXX XXXX ) : Despite blocking the first attempt, the bank allowed a subsequent high-value transfer to an XXXX XXXX account. This account was a \" red flag '' destination and entirely uncharacteristic of my historical account activity.\n\nThe banks security was inconsistent ; they identified the fraud in one instance but failed to apply that same logic to the very next transaction in the same session. By allowing the XXXX XXXX transfer to proceed after already flagging the XXXX XXXX attempt, Wells Fargo failed to mitigate a known risk.\n\nBasis for Recovery under Regulation E : Under the Electronic Fund Transfer Act and recent CFPB guidance, a consumers \" authorization '' is legally void when it is obtained through criminal impersonation of the financial institution itself. Because the banks own system flagged the session as fraudulent ( by declining the XXXX XXXX transfer ), the bank had a Duty of Care to freeze the account or block all outgoing transfers until my identity and intent could be verified via an out-of-band security check.","date_sent_to_company":"2026-05-28T16:15:35.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"038XX","tags":null,"has_narrative":true,"complaint_id":"22660909","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-28T15:53:42.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Because the banks own system <em>flagged</em> the session as <em>fraudulent</em> ( by declining the XXXX XXXX transfer ), the bank had a Duty of Care to freeze the account or block all outgoing transfers until my <em>identity</em> and intent could be verified via an out-of-band <em>security</em> check."]},"sort":[19.224344,"22660909"]},{"_index":"complaint-public-v1","_id":"12626503","_score":17.90016,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding a serious security failure at Navy Federal Bank, which led to unauthorized access to my checking account, the fraudulent withdrawal of my funds, and improper fees being charged to me.\n\nIncident Summary : On [ XX/XX/year> ], an unknown individual was able to walk into an NavyFederalBank branch in Florida and obtain a debit card linked to my account without my authorization. This person then proceeded to make an over-the-counter withdrawal of {$2100.00}, followed by multiple ATM inquiries before withdrawing all remaining funds from my account.\n\nI reside in Maryland, my account was opened in Maryland, and all my transactions are conducted in Maryland. I had no prior activity in Florida, yet NF Bank allowed this transaction to occur without notifying me or verifying my identity.\n\nTo add insult to injury, after my account was drained, NF Bank charged me an Oops fee because a legitimate transaction I had made was processed after my funds were fraudulently withdrawn.\n\nMajor Concerns & Failures by NF Bank : 1. Security Breach & Unauthorized Access How was someone able to obtain a debit card for my account without proper identity verification?\n\n2. Failure to Protect My Personal & Financial Information NF Banks security safeguards clearly failed, exposing my funds to fraud.\n\n3. Negligence in Fraud Prevention Despite clear red flags ( transactions happening in a different state without prior history ), NF Bank failed to block or flag these unauthorized transactions.\n\n4. Unfair Fee Charges The Oops fee should not have been charged as it resulted from NF Banks failure to secure my account.\n\n5. Emotional & Financial Distress This ordeal has caused me significant stress, frustration, and financial hardship, as I was left without access to my own money.","date_sent_to_company":"2025-03-25T14:03:21.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"12626503","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-03-25T13:49:28.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Failure to Protect My Personal & Financial Information NF Banks <em>security</em> safeguards clearly <em>failed</em>, exposing my funds to fraud.\n\n3. Negligence in Fraud Prevention Despite clear red <em>flags</em> ( transactions happening in a different state without prior history ), NF Bank <em>failed</em> to block or <em>flag</em> these unauthorized transactions.\n\n4. Unfair Fee Charges The Oops fee should not have been charged as it resulted from NF Banks failure to secure my account.\n\n5."]},"sort":[17.90016,"12626503"]},{"_index":"complaint-public-v1","_id":"19038946","_score":17.61798,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint to report identity theft, account takeover, and unlawful denial of fraud disputes, in violation of multiple federal consumer protection laws.\n\nCore Facts ( Undisputed ) My identity was compromised at the identity layer, not merely through isolated transactions An unauthorized party used fraudulent and/or synthetic identity credentials, including a false Social Security number The compromise affected multiple financial institutions and credit systems simultaneously I submitted documentary evidence of identity compromise with my original disputes Despite this, institutions denied the disputes stating no error found The denials failed to address identity theft, account takeover, or unauthorized access This evidence was provided during the initial dispute process, not after denial.\n\nLaws and Regulations Violated 1. Electronic Fund Transfer Act ( EFTA ) Regulation E ( 12 CFR 1005 ) Violations : 1005.11 ( c ) : Failure to conduct a reasonable investigation 1005.11 ( d ) : Failure to determine whether an error occurred 1005.11 ( e ) : Improper denial without addressing evidence Explanation : Regulation E requires a reasonable investigation when unauthorized electronic transfers are reported. Treating each transaction as isolated while ignoring documented identity takeover evidence is not reasonable.\n\nInstitutions failed to : Analyze unauthorized access Assess identity compromise Evaluate fraudulent credentials Investigate device/IP anomalies Address identity-layer breaches This renders the investigation procedurally defective and non-compliant.\n\n2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Violations : 1681s-2 ( a ) : Furnishing inaccurate information 1681s-2 ( b ) : Failure to conduct reasonable reinvestigation 1681c-2 : Failure to block identity theftrelated information Explanation : I provided evidence of identity theft and identity verification irregularities. Despite this, inaccurate and fraudulent information was allowed to remain associated with my identity.\n\nInstitutions and furnishers : Failed to block identity-theft-derived data Failed to correct inaccurate records Failed to reasonably reinvestigate after notice This constitutes statutory noncompliance under the FCRA.\n\n3. CFPB UDAAP Provisions ( 12 U.S.C. 5531 & 5536 ) Unfair, Deceptive, and Abusive Acts or Practices Violations include : Representing that investigations were completed when they were not Denying disputes while ignoring submitted evidence Shifting burden of identity protection onto the consumer Failing to disclose investigative deficiencies Abusing informational asymmetry Denying fraud claims while disregarding identity compromise evidence is materially misleading and causes substantial consumer harm.\n\n4. Identity Theft Red Flags Rule ( 16 CFR 681.1 ) Violations : Failure to detect red flags of identity theft Failure to respond appropriately to known red flags Failure to mitigate ongoing identity misuse Explanation : Cross-account access, synthetic identity usage, and identity verification failures are explicit Red Flags. Institutions failed to act on them.\n\n5. Gramm-Leach-Bliley Act ( GLBA ) Safeguards Rule Violations : Failure to protect consumer data Failure to detect unauthorized access Failure to respond to known security incidents The compromise of my identity across platforms demonstrates a breakdown in safeguards and response obligations.\n\nProcedural Failure in Original Disputes ( Critical ) In my original disputes, I submitted : Credit bureau correspondence confirming identity verification issues Government and regulatory correspondence Documentation requiring SSN re-verification Evidence of unauthorized access and identity misuse Proof of cross-platform compromise Despite this : Institutions did not address identity theft Investigations ignored identity-layer evidence Decisions were issued without forensic analysis Denials used conclusory language ( no error found ) This violates both procedural and substantive legal requirements.\n\nRequested CFPB Action I formally request : 1. Regulatory investigation into Regulation E violations 2. Review of FCRA reinvestigation failures 3. UDAAP enforcement review 4. Supervisory audit of fraud investigation procedures 5. Mandatory reinvestigation with identity-theft classification 6. Restoration of funds denied through unlawful processes 7. Cross-institutional identity takeover analysis 8. Corrective reporting actions Key Clarification This matter is not a dispute over authorization.\n\nIt is a dispute over identity integrity.\n\nTreating identity theft as isolated transactions is legally insufficient and non-compliant.","date_sent_to_company":"2026-01-27T16:22:26.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"63136","tags":null,"has_narrative":true,"complaint_id":"19038946","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-01-27T16:17:23.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["<em>Identity</em> Theft Red <em>Flags</em> Rule ( 16 CFR 681.1 ) Violations : Failure to detect red <em>flags</em> of <em>identity</em> theft Failure to respond appropriately to known red <em>flags</em> Failure to mitigate ongoing <em>identity</em> misuse Explanation : Cross-account access, synthetic <em>identity</em> usage, and <em>identity</em> verification failures are explicit Red <em>Flags</em>. Institutions <em>failed</em> to act on them.\n\n5."]},"sort":[17.61798,"19038946"]},{"_index":"complaint-public-v1","_id":"19038669","_score":17.60473,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint to report identity theft, account takeover, and unlawful denial of fraud disputes, in violation of multiple federal consumer protection laws. \n\nCore Facts ( Undisputed ) My identity was compromised at the identity layer, not merely through isolated transactions An unauthorized party used fraudulent and/or synthetic identity credentials, including a false Social Security number The compromise affected multiple financial institutions and credit systems simultaneously I submitted documentary evidence of identity compromise with my original disputes Despite this, institutions denied the disputes stating no error found The denials failed to address identity theft, account takeover, or unauthorized access This evidence was provided during the initial dispute process, not after denial. \n\n\n\nLaws and Regulations Violated XXXX. Electronic Fund Transfer Act ( XXXX ) Regulation XXXX ( XXXX XXXX XXXX ) Violations : XXXX ( c ) : Failure to conduct a reasonable investigation XXXX ( d ) : Failure to determine whether an error occurred XXXX ( XXXX ) : Improper denial without addressing evidence Explanation : Regulation XXXX requires a reasonable investigation when unauthorized electronic transfers are reported. Treating each transaction as isolated while ignoring documented identity takeover evidence is not reasonable. \n\nXXXX failed to : Analyze unauthorized access Assess identity compromise Evaluate fraudulent credentials Investigate device/IP anomalies Address identity-layer breaches This renders the investigation procedurally defective and non-compliant. \n\n\n\nXXXX. Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX Violations : XXXX ( a ) : Furnishing inaccurate information XXXX ( b ) : Failure to conduct reasonable reinvestigation XXXX : Failure to block identity theftrelated information Explanation : I provided evidence of identity theft and identity verification irregularities. Despite this, inaccurate and fraudulent information was allowed to remain associated with my identity. \n\nInstitutions and furnishers : Failed to block identity-theft-derived data Failed to correct inaccurate records Failed to reasonably reinvestigate after notice This constitutes statutory noncompliance under the FCRA. \n\n\n\nXXXX. CFPB XXXX Provisions ( XXXX XXXX. XXXX & XXXX ) Unfair, Deceptive, and Abusive Acts or Practices Violations include : Representing that investigations were completed when they were not Denying disputes while ignoring submitted evidence Shifting burden of identity protection onto the consumer Failing to disclose investigative deficiencies Abusing informational asymmetry Denying fraud claims while disregarding identity compromise evidence is materially misleading and causes substantial consumer harm. \n\n\n\nXXXX. Identity Theft Red Flags Rule ( XXXX CFR XXXX ) Violations : Failure to detect red flags of identity theft Failure to respond appropriately to known red flags Failure to mitigate ongoing identity misuse Explanation : Cross-account access, synthetic identity usage, and identity verification failures are explicit Red Flags. Institutions failed to act on them. \n\n\n\nXXXX. Gramm-Leach-Bliley Act ( GLBA ) Safeguards Rule Violations : Failure to protect consumer data Failure to detect unauthorized access Failure to respond to known security incidents The compromise of my identity across platforms demonstrates a breakdown in safeguards and response obligations. \n\n\n\nProcedural Failure in Original Disputes ( Critical ) In my original disputes, I submitted : Credit bureau XXXX XXXX XXXX XXXX XXXX Government and regulatory correspondence Documentation requiring XXXX XXXX Evidence of unauthorized access and identity misuse Proof of cross-platform compromise Despite this : Institutions did not address identity theft Investigations ignored identity-layer evidence Decisions were issued without forensic analysis Denials used conclusory language ( no error found ) This violates both procedural and substantive legal requirements. \n\n\n\nRequested CFPB XXXX I formally request : XXXX. XXXX investigation into Regulation XXXX violations XXXX Review of FCRA reinvestigation failures XXXX. XXXX XXXX XXXX XXXX. Supervisory audit of fraud investigation procedures XXXX. Mandatory reinvestigation with identity-theft classification XXXX. Restoration of funds denied through unlawful processes XXXX. Cross-institutional identity takeover analysis XXXX. Corrective reporting actions XXXX XXXX This matter is not a dispute over authorization. \nIt is a dispute over identity integrity. \n\nTreating identity theft as isolated transactions is legally insufficient and non-compliant.","date_sent_to_company":"2026-01-27T16:14:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"63136","tags":null,"has_narrative":true,"complaint_id":"19038669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2026-01-27T16:06:28.000Z","state":"MO","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["<em>Identity</em> Theft Red <em>Flags</em> Rule ( XXXX CFR XXXX ) Violations : Failure to detect red <em>flags</em> of <em>identity</em> theft Failure to respond appropriately to known red <em>flags</em> Failure to mitigate ongoing <em>identity</em> misuse Explanation : Cross-account access, synthetic <em>identity</em> usage, and <em>identity</em> verification failures are explicit Red <em>Flags</em>. Institutions <em>failed</em> to act on them. \n\n\n\nXXXX."]},"sort":[17.60473,"19038669"]},{"_index":"complaint-public-v1","_id":"12644057","_score":17.590021,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally requesting a detailed investigation and full disclosure regarding the fraudulent names and addresses that have been attached to my credit file for nearly XXXX years without proper intervention. The following namesXXXX, XXXX, XXXX, as well as illegal misrepresentations of my lawful name such as XXXX XXXX, XXXX XXXX, XXXX XXXX, and othersshould have immediately triggered a fraud alert and internal review. \n\nFailure to Investigate & Report Fraud Equifax has failed to : Conduct a thorough initial investigation when XXXX  notified of these fraudulent identities. \nProvide standard fraud protections that should be in place for identity theft victims. \nNotify appropriate authorities or the original consumer ( myself ) when new fraudulent identities and addresses were added. \n\nAs a credit bureau, Equifax is responsible for maintaining accurate consumer records and protecting against fraudulent activity. This level of negligence is unacceptable and has resulted in severe financial, professional, and personal harm. \n\nFormal Requests for Investigation & Disclosure I require a full, documented report including : XXXX. The exact dates and sources of when these fraudulent names and addresses were first obtained and linked to my Social Security number. \nXXXX. A comprehensive fraud investigation report, including why these inconsistencies failed to trigger security measures. \nXXXX. Copies of all internal findings from any previous disputes and investigations into this matter. \nXXXX. Clear explanation of Equifaxs policies regarding fraudulent identities and why those policies were not followed.\n\nThis documentation is essential, as I am currently working with my local XXXX XXXX XXXX office to pursue all legal options available to me as an ongoing victim of identity theft. \n\nOngoing Harm & Professional Interference The mishandling of this case continues to have serious consequences : Housing Instability : Due to errors in my credit report, I am currently facing homelessness despite a strong rental history. I am forced to seek housing through private landlords, who offer limited protections. \nEmployment Barriers : As an XXXX agent working directly with Equifax, XXXX am the only team member required to undergo additional identity validation due to Equifaxs own system flags. This has resulted in : XXXX days of inability to access work systems until my employer intervened. \nRestrictions on my ability to work from multiple locations, as Equifax flags new devices and prevents access. \nEmployer-documented evidence of this issue, further proving the direct harm caused by Equifaxs negligence. \n\nNext Steps & Legal Implications If Equifax fails to comply with this request and provide the necessary documentation, I will escalate this matter further, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. \nSeeking legal action for damages resulting from Equifaxs failure to investigate and correct fraudulent data. \n\nThis is a critical matter impacting my financial stability, housing security, and professional employment. I expect a timely and thorough response with all information made available to me immediately via paper mail to my lawful address or a detailed outline downloadable to my email address as on file for Equifax and Experian, I will require that they first confirm said lawful physical residential address and/or email prior to submission.","date_sent_to_company":"2025-03-24T11:33:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10471","tags":null,"has_narrative":true,"complaint_id":"12644057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-24T11:33:33.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The exact dates and sources of when these <em>fraudulent</em> names and addresses were first obtained and linked to my Social <em>Security</em> number. \nXXXX. A comprehensive fraud investigation report, including why these inconsistencies <em>failed</em> to trigger <em>security</em> measures. \nXXXX. Copies of all internal findings from any previous disputes and investigations into this matter. \nXXXX. Clear explanation of Equifaxs policies regarding <em>fraudulent</em> <em>identities</em> and why those policies were not followed."]},"sort":[17.590021,"12644057"]},{"_index":"complaint-public-v1","_id":"12625838","_score":17.590021,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally requesting a detailed investigation and full disclosure regarding the fraudulent names and addresses that have been attached to my credit file for nearly XXXX years without proper intervention. The following namesXXXX, XXXX, XXXX, as well as illegal misrepresentations of my lawful name such as XXXX XXXX, XXXX XXXX, XXXX XXXX, and othersshould have immediately triggered a fraud alert and internal review. \n\nFailure to Investigate & Report Fraud Equifax has failed to : Conduct a thorough initial investigation when XXXX  notified of these fraudulent identities. \nProvide standard fraud protections that should be in place for identity theft victims. \nNotify appropriate authorities or the original consumer ( myself ) when new fraudulent identities and addresses were added. \n\nAs a credit bureau, Equifax is responsible for maintaining accurate consumer records and protecting against fraudulent activity. This level of negligence is unacceptable and has resulted in severe financial, professional, and personal harm. \n\nFormal Requests for Investigation & Disclosure I require a full, documented report including : XXXX. The exact dates and sources of when these fraudulent names and addresses were first obtained and linked to my Social Security number. \nXXXX. A comprehensive fraud investigation report, including why these inconsistencies failed to trigger security measures. \nXXXX. Copies of all internal findings from any previous disputes and investigations into this matter. \nXXXX. Clear explanation of Equifaxs policies regarding fraudulent identities and why those policies were not followed.\n\nThis documentation is essential, as I am currently working with my local XXXX XXXX XXXX office to pursue all legal options available to me as an ongoing victim of identity theft. \n\nOngoing Harm & Professional Interference The mishandling of this case continues to have serious consequences : Housing Instability : Due to errors in my credit report, I am currently facing homelessness despite a strong rental history. I am forced to seek housing through private landlords, who offer limited protections. \nEmployment Barriers : As an XXXX agent working directly with Equifax, XXXX am the only team member required to undergo additional identity validation due to Equifaxs own system flags. This has resulted in : XXXX days of inability to access work systems until my employer intervened. \nRestrictions on my ability to work from multiple locations, as Equifax flags new devices and prevents access. \nEmployer-documented evidence of this issue, further proving the direct harm caused by Equifaxs negligence. \n\nNext Steps & Legal Implications If Equifax fails to comply with this request and provide the necessary documentation, I will escalate this matter further, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. \nSeeking legal action for damages resulting from Equifaxs failure to investigate and correct fraudulent data. \n\nThis is a critical matter impacting my financial stability, housing security, and professional employment. I expect a timely and thorough response with all information made available to me immediately via paper mail to my lawful address or a detailed outline downloadable to my email address as on file for Equifax and Experian, I will require that they first confirm said lawful physical residential address and/or email prior to submission.","date_sent_to_company":"2025-03-24T11:33:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10471","tags":null,"has_narrative":true,"complaint_id":"12625838","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-24T10:51:59.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The exact dates and sources of when these <em>fraudulent</em> names and addresses were first obtained and linked to my Social <em>Security</em> number. \nXXXX. A comprehensive fraud investigation report, including why these inconsistencies <em>failed</em> to trigger <em>security</em> measures. \nXXXX. Copies of all internal findings from any previous disputes and investigations into this matter. \nXXXX. Clear explanation of Equifaxs policies regarding <em>fraudulent</em> <em>identities</em> and why those policies were not followed."]},"sort":[17.590021,"12625838"]},{"_index":"complaint-public-v1","_id":"12821320","_score":16.51709,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Fair Resolution Request : 1.\n\nFull and Transparent Disclosure : A complete and detailed report of all activity associated with my credit file since its creation, including : All names, addresses, and accounts reported. The sources of this information, including dates it was obtained. A timeline of all disputes, changes, removals, and inquiries ( both hard and soft ). A thorough investigation into how fraudulent information was added to my file and why it was not flagged. 2. Immediate and Permanent Corrections : The removal of all fraudulent names, addresses, accounts, and inquiries associated with identity theft. Confirmation that my personal information is secured against further fraudulent use. Assurance that fraud alerts and identity theft protectio\nns remain in place indefinitely at no cost to me.\n\n3. Accountability & Legal Compliance : A formal written explanation of why Equifax failed to investigate my disputes properly.\n\nProof of their compliance with the Fair Credit Reporting Act ( FCRA ) and Identity Theft Laws in handling my case.\n\nConfirmation that Equifax has reported this matter to the Federal Trade Commission ( FTC ) and law enforcement for further action.\n\n4. Preventative Measures & Assurance : A dedicated point of contact within Equifax to handle my case and future issues.\n\nA written guarantee that my file will be monitored for fraudulent activity at no cost to me.\n\nIf Equifax is unable to ensure the security of my Social Security number, I request written documentation that I may use to petition the Social Security Administration for a new Social Security number.\n\nThis request is made under my full legal rights per the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I expect a detailed response addressing all points above. Failure to comply may result in further legal action, including escalation to the Attorney General, the Federal Trade Commission ( FTC ), and state and federal legal authorities.\n\nEquifax received a full report and any and all documents as required to provide more than sufficient evidence of my identity and has been negligent for years with this request. It has been time consuming, costly, and a detriment to both employment and housing.","date_sent_to_company":"2025-04-04T12:28:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10471","tags":null,"has_narrative":true,"complaint_id":"12821320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-04T12:19:45.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["A thorough investigation into how <em>fraudulent</em> information was added to my file and why it was not <em>flagged</em>. 2. Immediate and Permanent Corrections : The removal of all <em>fraudulent</em> names, addresses, accounts, and inquiries associated with <em>identity</em> theft. Confirmation that my personal information is secured against further <em>fraudulent</em> use. Assurance that fraud alerts and <em>identity</em> theft protectio\nns remain in place indefinitely at no cost to me.\n\n3."]},"sort":[16.51709,"12821320"]},{"_index":"complaint-public-v1","_id":"21396606","_score":16.167938,"_source":{"product":"Credit card","complaint_what_happened":"CFPB Complaint Draft : CareCredit ( Synchrony Bank ) To : Consumer Financial Protection Bureau Company : Synchrony Bank Product : CareCredit Credit Card Issue : Improper account closure and refusal to correct internal \" Fraud '' flag Complaint Description I am filing this complaint against Synchrony Bank regarding my CareCredit account. The bank has acknowledged a technical error on their part but is refusing to take the necessary manual steps to restore my access to credit, leaving me unable to use the medical financing services I originally qualified for. \n1. Incident Background : My CareCredit account was recently closed without my consent. Upon calling Synchrony Bank, I was told the account was flagged as \" fraud '' based on information from a credit bureau. I immediately contacted the CareCredit/Synchrony fraud department , provided all necessary verification, and proved that the account was legitimate and opened by me. \n2. Acknowledgment of Error : The fraud department representative confirmed that the flag was an error and stated that \" sometimes this happens. '' However, they informed me they could not reopen the closed account and that I would need to reapply. \n3. Systemic Failure to Correct : When I attempted to reapply as instructed, the application was blocked. The system continues to flag my identity as \" fraudulent '' or claims I have a \" duplicate '' account, even though the original was closed by the bank in error. Synchrony Bank is now stuck in a loop : they closed my account for a fake fraud flag, and now their system won't let me back in because of the very flag they admitted was a mistake.\n\n4. Legal and Consumer Rights Violations : Under the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ), Synchrony Bank has a legal obligation to ensure the data they use to make credit decisions is accurate.\n\nBy failing to clear this \" fraud '' flag from their internal system after I verified my identity, they are using inaccurate information to deny me credit.\n\nThey have failed to provide a meaningful way to resolve a known internal system error, effectively barring me from a service I need for medical/health expenses.\n\n5. Desired Resolution : I request that Synchrony Bank manually clear the erroneous \" fraud '' flag from my internal profile and Social Security Number. I further request that they either reopen my original CareCredit account with the previous terms or provide a manual override to allow my new application to be processed without being blocked by this corrected error.","date_sent_to_company":"2026-04-20T13:04:45.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"21396606","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-04-20T12:56:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["By failing to clear this \" fraud '' <em>flag</em> from their internal system after I verified my <em>identity</em>, they are using inaccurate information to deny me credit.\n\nThey have <em>failed</em> to provide a meaningful way to resolve a known internal system error, effectively barring me from a service I need for medical/health expenses.\n\n5. Desired Resolution : I request that Synchrony Bank manually clear the erroneous \" fraud '' <em>flag</em> from my internal profile and Social <em>Security</em> Number."]},"sort":[16.167938,"21396606"]},{"_index":"complaint-public-v1","_id":"2658173","_score":16.006441,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am a current cardholder of Synchrony. I have been for more than 7 years. Synchronys systems have complete access to my information. \nIn XXXX, someone stole my identity, and applied for credit fraudulently with Synchrony and other creditors. \nWhen the application came through with my social security number -- the thief used an address in Texas. As synchronys systems show on my CURRENT account, I live in Ohio and have ALWAYS lived in XXXX is a major red flag discrepancy and an indicator of identity theft. \nIgnoring clearly defined red flags of address discrepancies outlined in FACT Act of XXXX, Synchrony not only approved the card, but also provided the thief the  opportunity to furnish her home to the tune of nearly XXXX XXXX dollars. Her home in TEXAS, where the furniture through XXXX XXXX XXXX was delivered. \nSynchrony also CARELESSLY updated my credit report with inaccurate addresses and a date of birth further harming me. They also updated the account as closed rather than removing it, which also adversely impacts my credit score. \nAdditionally, now that there is new data including an account, inquiry, addresses and aliases on my credit reportmy current home loan pre-approval and search for a new home must be placed on hold. \nI have spoken to their representatives XXXX times now. Each time I call, I am more concerned with the role played by Synchrony and its noncompliance with the FACT Act and Red Flag Rules designed to protect consumers like me. \nSynchrony has REFUSED to provide me with answers as to WHY they approved the glaringly obvious fraud application, why they ignored red flag rules, why they continue to update my credit report with FALSE information.\nThey have also refused to provide a physical mailing address to send legal documents.\nSynchrony is making this devastating experience even moreso by their continued victimization of me.\nI 've spent countless hours on the phone with the CRAs and creditors -- including Synchrony. To date, Synchrony was the ONLY creditor that approved an account applied for by the identity thief. Ironically, it is also the ONLY creditor with whom I ACTUALLY HAVE AN ACCOUNT.\nI wonder how many other Synchrony consumers are affected by your firm 's nonchalance?\nI would like all information regarding the Red Flag Rules that were ignored and how my account could possibly be approved given this information. I would like a copy of the application -- which I have requested in writing. I would like any and all documentation related to this account and the fraud that was permitted by Synchrony 's failed red flag rules.\nIf Synchrony is refusing any of this information, I would like the registered agent 's mailing address.","date_sent_to_company":"2017-09-05T15:46:11.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"45239","tags":null,"has_narrative":true,"complaint_id":"2658173","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-09-05T15:40:13.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["In XXXX, someone stole my <em>identity</em>, and applied for credit <em>fraudulently</em> with Synchrony and other creditors. \nWhen the application came through with my social <em>security</em> number -- the thief used an address in Texas. As synchronys systems show on my CURRENT account, I live in Ohio and have ALWAYS lived in XXXX is a major red <em>flag</em> discrepancy and an indicator of <em>identity</em> theft."],"sub_issue":["Card opened as result of <em>identity</em> theft or fraud"]},"sort":[16.006441,"2658173"]},{"_index":"complaint-public-v1","_id":"20088363","_score":15.931999,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I contacted MoneyGram to report that I had fallen victim to a fraudulent scheme regarding transaction XXXX XXXXXXXX. I immediately requested that the transaction be stopped and the funds returned. Despite this timely notification, MoneyGram allowed the funds to be deposited into an account in XXXX. \n\nI am filing this complaint because XXXX subsequent investigation and \" Final Response '' ( Case XXXX XXXXXXXX ) were inadequate and failed to meet the standards required under the Electronic Fund Transfer Act ( Regulation XXXX ) and the Remittance Rule. MoneyGram provided a boilerplate rejection letter that did not address why their fraud prevention systems failed to flag a high-risk transaction to a known fraud-prone region, nor did they provide any specific evidence regarding the verified identity of the recipient. \n\nXXXX refusal to provide a refund or a detailed explanation of their \" investigation '' demonstrates a lack of consumer protection. They have effectively facilitated a criminal transfer and closed the case without providing a meaningful resolution. I am requesting that the CFPB intervene to compel MoneyGram to issue a full refund and provide a transparent report on the security failures that allowed this theft to occur.","date_sent_to_company":"2026-03-19T12:24:21.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"21144","tags":"Servicemember","has_narrative":true,"complaint_id":"20088363","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","date_received":"2026-03-09T12:18:52.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["MoneyGram provided a boilerplate rejection letter that did not address why their fraud prevention systems <em>failed</em> to <em>flag</em> a high-risk transaction to a known fraud-prone region, nor did they provide any specific evidence regarding the verified <em>identity</em> of the recipient. \n\nXXXX refusal to provide a refund or a detailed explanation of their \" investigation '' demonstrates a lack of consumer protection."]},"sort":[15.931999,"20088363"]},{"_index":"complaint-public-v1","_id":"16153502","_score":15.929921,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Against Experian Unauthorized Security Alert Complainant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Respondent : Experian Information Solutions , Inc . \nXXXX XXXXXXXX XXXX XXXX, TX XXXX Summary of Complaint This complaint is filed against Experian Information Solutions , IncXXXX for unlawfully adding and maintaining an inaccurate personal statement/security alert to my consumer credit file without my request, authorization, or consent. \n\nOn XX/XX/year>, Experian added the following statement to my credit file : ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR XXXX  YEAR BEGINNING XXXX. \n\nThis entry is false, misleading, derogatory, and discriminatory. It wrongly suggests that I am under suspicion of fraud, damaging my credibility with creditors, landlords, and banks. This statement is harmful and stigmatizing, and constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). \nViolations of Law 1. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires CRAs to follow reasonable procedures to assure maximum possible accuracy. Inserting a fraud/security statement without my consent is a violation.\n\n2. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires CRAs to block fraudulent information within 4 business days of receiving identity theft documentation. Experian instead placed a derogatory alert against me.\n\n3. FCRA 611 ( 15 U.S.C. 1681i ) Requires proper reinvestigation and correction of disputed information. Experian has failed to remove the false statement.\n\n4. FTC/CFPB Guidance Prohibits CRAs from maintaining misleading or discriminatory information that could cause denial of credit or adverse actions.\n\n5. Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 By flagging me with an unauthorized security alert, Experian has enabled discriminatory treatment in credit transactions. \nHarm Suffered- I have been denied credit, housing, and financial opportunities due to this false security alert. \n- This inaccurate statement has damaged my financial reputation and caused undue stress, humiliation, and financial hardship.","date_sent_to_company":"2025-09-24T18:50:59.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"60462","tags":null,"has_narrative":true,"complaint_id":"16153502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-24T18:46:49.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/year>, Experian added the following statement to my credit file : ID <em>SECURITY</em> ALERT : <em>FRAUDULENT</em> APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY <em>IDENTITY</em> MAY HAVE BEEN USED WITHOUT MY CONSENT TO <em>FRAUDULENTLY</em> OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE <em>IDENTITY</em> OF THE APPLICANT. THIS <em>SECURITY</em> ALERT WILL BE MAINTAINED FOR XXXX  YEAR BEGINNING XXXX. \n\nThis entry is false, misleading, derogatory, and discriminatory."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[15.929921,"16153502"]},{"_index":"complaint-public-v1","_id":"15227822","_score":15.316289,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year> I received a phone call from XXXX, which is a published Bank of America branch office number. The caller identified himself as a Bank of America fraud department representative. He stated there had been suspicious activity on my account and that he was calling to increase my account security.\n\nThe caller had my correct account details and verified my identity exactly as Bank of America employees normally do. He then sent me standard security codes from Bank of Americas own system ( via text message ) and a link through my BoFA mobile app to confirm my identity. I believed I was speaking to a legitimate bank employee because the phone number matched a real BoFA office and the security process matched what I have experienced in the past.\n\nUnder coercion and believing I was preventing fraud, I followed his instructions. As a result, {$8100.00} was transferred from my account in the form of a payment to a location in XXXX a country where I have never sent funds before. I did not receive any benefit from this payment and did not authorize it for any legitimate purpose. \n\nThis was a clear case of caller ID spoofing and social engineering fraud a well-known tactic recognized by the FCC, FTC, and CFPB. I immediately reported the incident to Bank of America, filed a police fraud report ( XXXX XXXXXXXX ), and submitted an FBI XXXX complaint. \n\nBank of America denied my reimbursement request, stating the transfer was authorized because I followed instructions. This position ignores the definition of an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693a ( 12 ) and Regulation E, XXXX XXXX XXXX XXXX XXXX XXXX which covers any transfer initiated by someone other than the consumer without actual authority and from which the consumer receives no benefit. My consent was obtained by fraud and coercion, which means the transaction was unauthorized under federal law. \n\nBank of America also failed its obligations under Regulation E by : XXXX. Failing to Conduct a Reasonable Investigation Reg E 1005.11 ( c ) ( 1 ) requires a thorough investigation. BoFA failed to consider my spoofing evidence, my fraud reports, or the highly unusual nature of the transfer. \nXXXX. Failing to Detect and Stop Suspicious Activity A large, first-time, international transfer to XXXX is a classic red flag under fraud detection protocols. BoFAs systems should have automatically flagged, held, and verified this transaction. I received no warning, no verification call, and no opportunity to stop it. \n\nThe CFPBs Compliance XXXX XXXX clearly states that banks must have robust procedures to detect and respond to social engineering and spoofing scams. In this case, Bank of America failed on multiple levels failing to prevent an obvious fraudulent transaction and then failing to fulfill its legal obligations under Reg E when I reported the loss. \nThis scam was highly sophisticated and indistinguishable from a genuine Bank of America security call. The bank had every opportunity to detect and prevent this obvious fraud, but failed to do so. Regulation E protects consumers in exactly these circumstances, and I request that the CFPB require Bank of America to make me whole.","date_sent_to_company":"2025-08-12T21:55:16.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"37013","tags":null,"has_narrative":true,"complaint_id":"15227822","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-08-12T21:46:38.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["In this case, Bank of America <em>failed</em> on multiple levels failing to prevent an obvious <em>fraudulent</em> transaction and then failing to fulfill its legal obligations under Reg E when I reported the loss. \nThis scam was highly sophisticated and indistinguishable from a genuine Bank of America <em>security</em> call. The bank had every opportunity to detect and prevent this obvious fraud, but <em>failed</em> to do so."]},"sort":[15.316289,"15227822"]},{"_index":"complaint-public-v1","_id":"7579747","_score":15.036423,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is my second complaint against Citi regarding the same problem because they refuse to comply with their regulatory FCRA duty to remove the credit reporting error occurring on XX/XX/2023. I am the victim of identity theft and on XX/XX/2023 someone in XXXX XXXX, IL attempted to apply for a credit card with my personal information with Citi and XXXXXXXX XXXX These inquiries immediately notified me through my credit monitoring and I disputed with the respective companies the same day. XXXXXXXX XXXX immediately removed the inquiry from my credit report and confirmed the application was denied because it was routing from XXXX XXXX. \n\nI have attached my original CFPB complaint and pitiful Citi 's response refusing to correct my credit reporting. I'm angry on XXXX points : 1. Citi 's reply denies I was an identity theft victim because all of the information on the credit card application matched my personal information. The usage of my correct personal information is the sole nexus of attempted identity theft fraud. I have never disputed whether my personal information was correct in the application, but rather that I did not submit the application.\n\n2. Citi claims my FCRA dispute was denied because my personal information matched, however, this is false. On XX/XX/2023 Citi called to inform me my original dispute investigation was completed. On that same call they asked for my mailing address to send the results. Citi did not have my mailing address to confirm my personal information was even correct at the time they originally completed their \" investigation. '' 3. Citi refuses to confirm the mobile IP location of the attempted application because it would confirm the applicant was not me. On the same day of the Citi application, XX/XX/2023, there was another attempted credit card application with XXXX XXXX XXXX was able to immediately deny the application and removed their credit reporting due to identity theft because of ( a ) their regulatory compliant FCRA Red Flag programs knew to deny the application, and ( b ) the mobile application was coming from XXXX XXXX, IL. \n4. Citi has a duty per FCRA 623 ( a ) ( 2 ) to remove incorrect credit reporting information when the information is the result of identity theft. They failed.\n\n5. Citi has a duty per FCRA 1681s to conduct a reasonable investigation into a credit reporting agency dispute. They failed, and then lied by claiming their investigative conclusion was based on information they did not yet have ( mailing address ; see # 2 ).\n\n6. Citi has a duty per FCRA 623 ( a ) ( 6 ) ( B ) to remove reporting conducted through identity theft when a victim provides an identity theft report. I completed all necessary information and even put a credit security freeze with all three of the credit reporting agencies because someone has my information.\n\n7. Citi has a duty per the FCRA Amendment Red Flags Rule to have an effective program to identify, detect, and appropriately respond to identity theft attempts. Citi did deny the credit card application, of which I was grateful, but refuses to acknowledge the fraud or appropriately respond with an inquiry removal. These failed Red Flag program practices can lead to systemic non-compliance and Citi 's ability to prevent fraudulent activity in the future. \n8. Citi failed to respond to my UDAAP claim. Citi denied discrimination in their response, but I did not claim discrimination. UDAAP is a much more comprehensive set of practices resulting in harm and Citi 's refusal to conduct a reasonable investigation, acknowledge identity theft used my personal information, and perform their regulatory duty to remove the fraudulent inquiry on my credit is causing me harm. \n\nCiti needs to act responsibly and compliantly by removing the inquiry on my credit report. I will continue disputing with the CFPB and the FTC until this is resolved.","date_sent_to_company":"2023-09-20T21:43:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"41017","tags":null,"has_narrative":true,"complaint_id":"7579747","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-09-20T21:25:24.000Z","state":"KY","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":["These <em>failed</em> Red <em>Flag</em> program practices can lead to systemic non-compliance and Citi 's ability to prevent <em>fraudulent</em> activity in the future. \n8. Citi <em>failed</em> to respond to my UDAAP claim. Citi denied discrimination in their response, but I did not claim discrimination."]},"sort":[15.036423,"7579747"]},{"_index":"complaint-public-v1","_id":"12014582","_score":14.739836,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Violation of FCRA, FDCPA, and California State Laws Security Credit Services Dear CFPB Representative, I am filing a complaint against Security Credit Services for unlawful credit reporting practices related to an alleged debt. I believe this debt is being reported inaccurately and in violation of both federal and state laws, despite my previous attempts to dispute it.\n\nBackground of the Issue : I disputed the account with the three major credit bureaus ( XXXX, XXXX, and XXXX ), providing an FTC Identity Theft Report and a formal dispute letter, but Security Credit Services verified the account without providing the required documentation under the Fair Credit Reporting Act ( FCRA ).\n\nI subsequently filed a XXXX XXXX XXXX XXXX XXXX XXXX complaint, requesting proof of the original contract. Security Credit Services only provided past credit card statements, which do not prove legal ownership of the debt or my contractual obligation. \nUnder California state law and federal law, a debt collector must provide adequate validation, which includes a signed contract or original agreement. Despite multiple requests, they have failed to produce this documentation.\n\nViolations of Federal and State Laws : 1. Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) Section 609 ( a ) ( 1 ) & ( 2 ) The consumer has the right to request all information a credit bureau relied on to verify an account. Security Credit Services and the credit bureaus have failed to provide original documentation, making their verification legally insufficient.\n\nSection 605B If an account is flagged as fraudulent or resulting from identity theft, the bureaus must block it within four days, yet they failed to do so.\n\nCase Law : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Credit bureaus must conduct a reasonable investigation when a consumer disputes an item. The failure to obtain a signed contract or original agreementrenders the investigation inadequate.\n\n2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activities if a consumer disputes the debt and requests verification. Providing past statements does not constitute proper validation ; they must provide a signed agreement or contract.\n\nCase Law : Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) A creditor must produce a contractual agreement to verify a debt ; credit card statements alone are not sufficient.\n\n3. Violation of Californias Rosenthal Fair Debt Collection Practices Act ( CFDCPA ) ( Cal. Civ. Code 1788 ) 1788.17 Requires debt collectors in California to comply with federal FDCPA laws. Since Security Credit Services did not provide adequate validation, they are in direct violation of this law.\n\n4. Violation of the California Identity Theft Law ( Cal. Civ. Code 1785.16 ( k ) ) Credit reporting agencies must block fraudulent accounts within 4 business days of receiving a valid ID theft report and supporting documents. Since I submitted my FTC Identity Theft Report, the bureaus failed to complywith this law.\n\nRequested Resolution Immediate deletion of the Security Credit Services account from all three credit bureaus ( XXXX, XXXX, & XXXX ) due to lack of proper verification.","date_sent_to_company":"2025-02-11T00:33:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"92024","tags":null,"has_narrative":true,"complaint_id":"12014582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2025-02-11T00:24:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>Security</em> Credit Services and the credit bureaus have <em>failed</em> to provide original documentation, making their verification legally insufficient.\n\nSection 605B If an account is <em>flagged</em> as <em>fraudulent</em> or resulting from <em>identity</em> theft, the bureaus must block it within four days, yet they <em>failed</em> to do so.\n\nCase Law : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Credit bureaus must conduct a reasonable investigation when a consumer disputes an item."],"company":["<em>Security</em> Credit Services, LLC"],"sub_issue":["Debt was result of <em>identity</em> theft"]},"sort":[14.739836,"12014582"]},{"_index":"complaint-public-v1","_id":"12778935","_score":14.728903,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal and urgent complaint against Experian regarding their mishandling of my request to remove and block fraudulent accounts under the Fair Credit Reporting Act ( FCRA ). Despite submitting a comprehensive set of documentation, Experian has unjustly refused to remove five out of seven fraudulent XXXX accounts, while inconsistently removing two. \n\nBackground : In dealing with identity theft, I promptly filed a request with Experian to remove and block seven fraudulent XXXX accounts. I provided all necessary documentation, including a police report, FTC Identity Theft report, my photo ID, Social Security card, and a billing statement verifying my current address. Despite this, Experian has only removed two accounts, with a representative citing different account dates as the reasonan explanation that is both inconsistent and a red flag. All seven accounts were filed for removal simultaneously, and the documentation requirements were identical for each account. \n\nCritical Issues : - Inconsistent and Unjust Practices : Under 15 U.S.C. 1681c-2 ( a ) of the FCRA, I am entitled to have fraudulent information blocked from my credit report. Experians selective removal of only two accounts, despite identical documentation and procedures for all seven, is both inconsistent and violates my rights.\n\n- Opaque and Misleading Communication : The representative 's explanation regarding account dates fails to justify the differential treatment of identical cases. Additionally, the claim that documentation requirements were unmet is implausible given the removal of two accounts.\n\n- Continued Financial Harm and Distress : The failure to remove all fraudulent accounts continues to harm my creditworthiness and causes ongoing financial and emotional distress. \n\nThank you XXXX XXXX XXXX","date_sent_to_company":"2025-04-02T17:12:29.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"44124","tags":null,"has_narrative":true,"complaint_id":"12778935","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-02T16:45:35.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["Background : In dealing with <em>identity</em> theft, I promptly filed a request with Experian to remove and block seven <em>fraudulent</em> XXXX accounts. I provided all necessary documentation, including a police report, FTC <em>Identity</em> Theft report, my photo ID, Social <em>Security</em> card, and a billing statement verifying my current address. Despite this, Experian has only removed two accounts, with a representative citing different account dates as the reasonan explanation that is both inconsistent and a red <em>flag</em>."],"issue":["Credit monitoring or <em>identity</em> theft protection services"]},"sort":[14.728903,"12778935"]},{"_index":"complaint-public-v1","_id":"17401800","_score":14.690813,"_source":{"product":"Prepaid card","complaint_what_happened":"My state-issued XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX / Fiserv, card ending XXXX ) was stolen, fraudulently activated, and completely drained by a third party. I never received the card, never activated it, never accessed the account, and never agreed to any cardholder terms or arbitration clause. \n\nDespite this, the fraudster was able to : activate the card in my name change the phone number on the account change the email address receive one-time verification codes withdraw all state XXXX funds trigger an internal serious security issue flag XXXX XXXXFiserv never notified me at any point. All of this occurred before I had possession of the card. \n\nXXXX XXXX/Fiserv failed to authenticate identity, failed to detect a full account takeover, and failed to safeguard my government XXXX benefits. \n\nAlthough I filed multiple fraud and identity theft reports ( Police, XXXX Mail Theft, XXXX Identity Theft, NJDOL, IC3, FTC, CFPB ), XXXX XXXXFiserv closed my dispute stating no error occurred and claiming that funds were credited back. This is false. I only received partial provisional credits. I am still missing the remaining funds. \n\nXXXX XXXX has not provided : a full transaction history activation logs ( date/time/IP/device/location ) records of email/phone changes addresses/emails on file at mailing, activation, and dispute closure documentation relied upon in their investigation the remaining missing funds any supervisor contact These items are required under the Electronic Fund Transfer Act ( Regulation E ).\n\nTheir no error determination contradicts Reg E, the evidence, and XXXX XXXX own statements acknowledging a serious security issue on the account. \n\nThis situation has caused severe hardship, especially as I was XXXX and relying on these benefits. XXXX XXXXFiserv is liable for : Negligence Violations of the Electronic Fund Transfer Act ( Reg E ) Failure to authenticate account changes Failure to notify me of suspicious or unauthorized activity Wrongful deprivation of state XXXX benefits Violations of the NJ Consumer Fraud Act Despite repeated requests, not all funds have been returned, and required Reg E documentation continues to be withheld.","date_sent_to_company":"2025-11-21T05:47:59.000Z","issue":"Problem getting a card or closing an account","sub_product":"Government benefit card","zip_code":"07003","tags":null,"has_narrative":true,"complaint_id":"17401800","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2025-11-21T05:39:27.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble getting, activating, or registering a card"},"highlight":{"complaint_what_happened":["XXXX XXXX/Fiserv <em>failed</em> to authenticate <em>identity</em>, <em>failed</em> to detect a full account takeover, and <em>failed</em> to safeguard my government XXXX benefits. \n\nAlthough I filed multiple fraud and <em>identity</em> theft reports ( Police, XXXX Mail Theft, XXXX <em>Identity</em> Theft, NJDOL, IC3, FTC, CFPB ), XXXX XXXXFiserv closed my dispute stating no error occurred and claiming that funds were credited back. This is false. I only received partial provisional credits. I am still missing the remaining funds."]},"sort":[14.690813,"17401800"]},{"_index":"complaint-public-v1","_id":"20780053","_score":14.412678,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint against PayPal for their failure to resolve an unauthorized transaction ( Case ID : XXXX XXXX for an order ( Invoice ID XXXX, Transaction ID : XXXX ) totaling {$110.00} at Instant-Gaming.com. My account was compromised following a documented hardware breach on XX/XX/year>, leading to this fraudulent purchase on XX/XX/year>. This was an unauthorized account takeover by a third party. \nThe evidence of fraud is clear and was ignored by XXXX investigation. First, the unauthorized purchase was for a \" XXXX / XXXX XXXX '' ( Gift card in XXXX ) and included \" XXXX '' ( transaction costs ). I am a resident of the United States and have never authorized a transaction in a foreign language or currency. Second, I have never had an account with XXXX. Upon contacting the merchant, they provided written confirmation that they permanently deactivated the account used for this purchase for \" security reasons '' and explicitly acknowledged the high likelihood of a hack. Despite the merchants own admission that the user account was illegitimate, XXXX investigation closed the case on XX/XX/XXXX, claiming the transaction was \" authorized. '' This constitutes a failure to conduct a \" good faith '' investigation as required by Regulation XXXX for unauthorized electronic transfers. Whether this case was reviewed by an automated system or a human agent, PayPal failed to identify obvious linguistic and geographic red flags and disregarded the merchant 's own security findings. I have already secured my accounts and filed a formal FTC Identity Theft Report regarding the broader compromise of my personal information.","date_sent_to_company":"2026-03-30T18:44:43.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"27518","tags":null,"has_narrative":true,"complaint_id":"20780053","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-03-30T18:14:49.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Whether this case was reviewed by an automated system or a human agent, PayPal <em>failed</em> to identify obvious linguistic and geographic red <em>flags</em> and disregarded the merchant 's own <em>security</em> findings. I have already secured my accounts and filed a formal FTC <em>Identity</em> Theft Report regarding the broader compromise of my personal information."]},"sort":[14.412678,"20780053"]},{"_index":"complaint-public-v1","_id":"15742553","_score":14.304108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Equifax, Experian, and TransUnion for persistent and repeated violations of federal law. Over 30 days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations.\n\nViolations Committed by THE BUREAUS : 15 U.S.C. 1681 ( FCRA 607 ( b ) ) : Failure to maintain maximum possible accuracy.\n\nFCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate consumer disputes within the statutory 30-day timeframe.\n\nFCRA 611 ( a ) ( 6 ) : Failure to conduct reinvestigations and provide findings.\n\n15 U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe.\n\nGramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information.\n\n18 U.S.C. 1028 : Identity theft and unauthorized misuse of personal data.\n\n15 U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools.\n\nMetro2/CDIA Violations : Noncompliance with established industry reporting standards. \nFlorida Criminal Statutes : Violations relating to identity theft and consumer fraud.\n\nFDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days.\n\nFraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : MISSIONLNTAB Account Number : 431503751806 Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Formatting and accuracy violations South Carolina Consumer Protection Code : 37-20-170 Inaccurate or unverifiable data 37-20-180 Blocking identity theft-related items Demand : Immediate deletion and perm\nanent blocking of this tradeline under FCRA 1681c-2 and S.C. Code Ann. 37-5-108 ( 4 ) ( 5 ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law. \nAdditional Inaccuracies to Remove Additional Inaccuracies to Remove Fraudulent Hard Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these inquiries under FCRA 1681c-2 and the South Carolina Financial Identity Fraud and Identity Theft Protection Act S.C. Code Ann . 37-20-170, due to identity theft and lack of verification. These inquiries must be deleted immediately, flagged as fraudulent under Dispute Code 103 Fraudulent Inquiry, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law. \nIncorrect or Unfamiliar Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these addresses under FCRA 1681c-2 and the South Carolina Financial Identity Fraud and Identity Theft Protection Act S.C. Code Ann. 37-20-170, due to identity theft and lack of verification. These addresses must be deleted immediately, flagged as fraudulent under Dispute Code 103 Fraudulent/Identity Theft, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina XXXX XXXX \nIncorrect Employer Listing : XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these employer under FCRA 1681c-2 and the South Carolina Financial Identity Fraud and Identity Theft Protection Act S.C. Code Ann. 37-20-170, due to identity theft and lack of verification. These addresses must be deleted immediately, flagged as fraudulent under Dispute Code 103 Fraudulent/Identity Theft, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law . \nIncorrect Name Listing : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these name under FCRA 1681c-2 and the South Carolina Financial Identity Fraud and Identity Theft Protection Act S.C. Code Ann. 37-20-170, due to identity theft and lack of verification. These addresses must be deleted immediately, flagged as fraudulent under Dispute Code 103 Fraudulent/Identity Theft, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law .\n\nRequested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed.\n\nImmediate deletion of all unauthorized hard inquiries.\n\nCorrection of all inaccurate personal information, including addresses, employers, and names. \nProvision of updated credit reports from all three bureaus confirming these corrections. \nImplementation of statutory identity theft protections, including fraud alerts. \nComprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. \nImposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. \nSupporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.","date_sent_to_company":"2025-09-05T18:38:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29745","tags":null,"has_narrative":true,"complaint_id":"15742553","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-05T18:30:43.000Z","state":"SC","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":["Code Ann. 37-20-170, due to <em>identity</em> theft and lack of verification. These addresses must be deleted immediately, <em>flagged</em> as <em>fraudulent</em> under Dispute Code 103 <em>Fraudulent</em>/<em>Identity</em> Theft, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law ."]},"sort":[14.304108,"15742553"]},{"_index":"complaint-public-v1","_id":"15741666","_score":14.304108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Equifax, Experian, and TransUnion for persistent and repeated violations of federal law. Over 30 days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations.\n\nViolations Committed by THE BUREAUS : 15 U.S.C. 1681 ( FCRA 607 ( b ) ) : Failure to maintain maximum possible accuracy.\n\nFCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate consumer disputes within the statutory 30-day timeframe.\n\nFCRA 611 ( a ) ( 6 ) : Failure to conduct reinvestigations and provide findings.\n\n15 U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe.\n\nGramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information.\n\n18 U.S.C. 1028 : Identity theft and unauthorized misuse of personal data.\n\n15 U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools.\n\nMetro2/CDIA Violations : Noncompliance with established industry reporting standards. \nFlorida Criminal Statutes : Violations relating to identity theft and consumer fraud.\n\nFDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days.\n\nFraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : MISSIONLNTAB Account Number : 431503751806 Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Formatting and accuracy violations South Carolina Consumer Protection Code : 37-20-170 Inaccurate or unverifiable data 37-20-180 Blocking identity theft-related items Demand : Immediate deletion and perm\nanent blocking of this tradeline under FCRA 1681c-2 and S.C. Code Ann. 37-5-108 ( 4 ) ( 5 ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law. \nAdditional Inaccuracies to Remove Additional Inaccuracies to Remove Fraudulent Hard Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these inquiries under FCRA 1681c-2 and the South Carolina Financial Identity Fraud and Identity Theft Protection Act S.C. Code Ann . 37-20-170, due to identity theft and lack of verification. These inquiries must be deleted immediately, flagged as fraudulent under Dispute Code 103 Fraudulent Inquiry, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law. \nIncorrect or Unfamiliar Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these addresses under FCRA 1681c-2 and the South Carolina Financial Identity Fraud and Identity Theft Protection Act S.C. Code Ann. 37-20-170, due to identity theft and lack of verification. These addresses must be deleted immediately, flagged as fraudulent under Dispute Code 103 Fraudulent/Identity Theft, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina XXXX XXXX \nIncorrect Employer Listing : XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these employer under FCRA 1681c-2 and the South Carolina Financial Identity Fraud and Identity Theft Protection Act S.C. Code Ann. 37-20-170, due to identity theft and lack of verification. These addresses must be deleted immediately, flagged as fraudulent under Dispute Code 103 Fraudulent/Identity Theft, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law . \nIncorrect Name Listing : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these name under FCRA 1681c-2 and the South Carolina Financial Identity Fraud and Identity Theft Protection Act S.C. Code Ann. 37-20-170, due to identity theft and lack of verification. These addresses must be deleted immediately, flagged as fraudulent under Dispute Code 103 Fraudulent/Identity Theft, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law .\n\nRequested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed.\n\nImmediate deletion of all unauthorized hard inquiries.\n\nCorrection of all inaccurate personal information, including addresses, employers, and names. \nProvision of updated credit reports from all three bureaus confirming these corrections. \nImplementation of statutory identity theft protections, including fraud alerts. \nComprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. \nImposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. \nSupporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.","date_sent_to_company":"2025-09-05T18:38:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29745","tags":null,"has_narrative":true,"complaint_id":"15741666","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-05T18:38:19.000Z","state":"SC","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":["Code Ann. 37-20-170, due to <em>identity</em> theft and lack of verification. These addresses must be deleted immediately, <em>flagged</em> as <em>fraudulent</em> under Dispute Code 103 <em>Fraudulent</em>/<em>Identity</em> Theft, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law ."]},"sort":[14.304108,"15741666"]},{"_index":"complaint-public-v1","_id":"15741552","_score":14.304108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Equifax, Experian, and TransUnion for persistent and repeated violations of federal law. Over 30 days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations.\n\nViolations Committed by THE BUREAUS : 15 U.S.C. 1681 ( FCRA 607 ( b ) ) : Failure to maintain maximum possible accuracy.\n\nFCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate consumer disputes within the statutory 30-day timeframe.\n\nFCRA 611 ( a ) ( 6 ) : Failure to conduct reinvestigations and provide findings.\n\n15 U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe.\n\nGramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information.\n\n18 U.S.C. 1028 : Identity theft and unauthorized misuse of personal data.\n\n15 U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools.\n\nMetro2/CDIA Violations : Noncompliance with established industry reporting standards. \nFlorida Criminal Statutes : Violations relating to identity theft and consumer fraud.\n\nFDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days.\n\nFraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : MISSIONLNTAB Account Number : 431503751806 Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Formatting and accuracy violations South Carolina Consumer Protection Code : 37-20-170 Inaccurate or unverifiable data 37-20-180 Blocking identity theft-related items Demand : Immediate deletion and perm\nanent blocking of this tradeline under FCRA 1681c-2 and S.C. Code Ann. 37-5-108 ( 4 ) ( 5 ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law. \nAdditional Inaccuracies to Remove Additional Inaccuracies to Remove Fraudulent Hard Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these inquiries under FCRA 1681c-2 and the South Carolina Financial Identity Fraud and Identity Theft Protection Act S.C. Code Ann . 37-20-170, due to identity theft and lack of verification. These inquiries must be deleted immediately, flagged as fraudulent under Dispute Code 103 Fraudulent Inquiry, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law. \nIncorrect or Unfamiliar Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these addresses under FCRA 1681c-2 and the South Carolina Financial Identity Fraud and Identity Theft Protection Act S.C. Code Ann. 37-20-170, due to identity theft and lack of verification. These addresses must be deleted immediately, flagged as fraudulent under Dispute Code 103 Fraudulent/Identity Theft, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina XXXX XXXX \nIncorrect Employer Listing : XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these employer under FCRA 1681c-2 and the South Carolina Financial Identity Fraud and Identity Theft Protection Act S.C. Code Ann. 37-20-170, due to identity theft and lack of verification. These addresses must be deleted immediately, flagged as fraudulent under Dispute Code 103 Fraudulent/Identity Theft, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law . \nIncorrect Name Listing : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these name under FCRA 1681c-2 and the South Carolina Financial Identity Fraud and Identity Theft Protection Act S.C. Code Ann. 37-20-170, due to identity theft and lack of verification. These addresses must be deleted immediately, flagged as fraudulent under Dispute Code 103 Fraudulent/Identity Theft, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law .\n\nRequested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed.\n\nImmediate deletion of all unauthorized hard inquiries.\n\nCorrection of all inaccurate personal information, including addresses, employers, and names. \nProvision of updated credit reports from all three bureaus confirming these corrections. \nImplementation of statutory identity theft protections, including fraud alerts. \nComprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. \nImposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. \nSupporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.","date_sent_to_company":"2025-09-05T18:38:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29745","tags":null,"has_narrative":true,"complaint_id":"15741552","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-05T18:38:19.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code Ann. 37-20-170, due to <em>identity</em> theft and lack of verification. These addresses must be deleted immediately, <em>flagged</em> as <em>fraudulent</em> under Dispute Code 103 <em>Fraudulent</em>/<em>Identity</em> Theft, and permanently suppressed as part of your automated fraud deletion protocol, in full compliance with federal and South Carolina law ."]},"sort":[14.304108,"15741552"]},{"_index":"complaint-public-v1","_id":"20566098","_score":14.264217,"_source":{"product":"Checking or savings account","complaint_what_happened":"Claim Reference : XXXX I am filing this complaint because Citibank failed to conduct a good-faith investigation under Regulation E following a violent physical robbery and identity theft. \n\n1. INCORRECT INVESTIGATION TIMELINE : Citibank issued a formal denial of my claim on XX/XX/XXXX, which is one day BEFORE I submitted the official police report ( Exhibit A ) on XX/XX/XXXX. The bank closed the case without reviewing the primary legal evidence of the assault. \n\n2. EVIDENCE OF ACCOUNT TAKEOVER ( ATO ) : On XX/XX/XXXX, a Citibank Fraud Department agent ( identified as 'XXXX  ' ) confirmed that on the day of the robbery ( XX/XX/XXXX ), unauthorized individuals contacted the bank pretending to be me. They attempted to change my mailing address and unblock my debit card. While the bank correctly flagged these phone attempts as fraudulent, they inconsistently cleared the {$2500.00} XXXX transfer made during that same window of time. \n\nXXXX. DIGITAL FORENSIC PROOF : My XXXX Account was hijacked ( Exhibit B ) at XXXX XXXX  XXXX, exactly XXXX minutes BEFORE the fraudulent XXXX transfer ( XXXX XXXX  XXXX ). This proves the criminals had full access to my digital identity via my stolen device. \n\n4. MISLEADING PROCEDURES : The bank verbally promised a 20-day investigation and a 10-day provisional credit. Instead, they issued a final denial on Day 9, violating their own stated procedures and failing to provide the credit required by law. \n\nI request a full and permanent reversal of the unauthorized {$2500.00} transfer. The bank 's own internal records of fraudulent phone activity on XX/XX/XXXX prove that my account security was demonstrably compromised.","date_sent_to_company":"2026-03-25T01:47:22.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33068","tags":null,"has_narrative":true,"complaint_id":"20566098","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-03-25T00:50:33.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["The bank 's own internal records of <em>fraudulent</em> phone activity on XX/XX/XXXX prove that my account <em>security</em> was demonstrably compromised."]},"sort":[14.264217,"20566098"]},{"_index":"complaint-public-v1","_id":"21223477","_score":14.040932,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"PayPal is currently holding {$1600.00} of my funds under the claim that my identity can not be verified. This situation has resulted in the continued restriction of access to my money without clear resolution, clear instructions, or a defined path to recovery. \n\nMy account was previously flagged under a fraud/security review. I have not engaged in any fraudulent or suspicious activity. Despite this, PayPal has restricted access to my funds and has failed to provide a clear, actionable process to complete identity verification or release the remaining balance. \n\nAs of XX/XX/year>, the account no longer shows an active limitation status, however the funds remain inaccessible and effectively frozen. PayPal has not provided a definitive explanation as to why verification can not be completed or what specific requirements remain outstanding. \n\nI have made reasonable attempts to resolve this matter through PayPals standard support channels, including attempting to access account verification steps and contacting support. These efforts have not resulted in resolution, clear guidance, or release of funds. \n\nPayPal is continuing to retain {$1600.00} without providing sufficient transparency, resolution timeline, or a functional method for me to regain access to my money. This has created an unreasonable delay in accessing personal funds. \n\nRequested Resolution : I am requesting : Immediate and full release of the {$1600.00} balance, OR A clear, specific list of required verification steps that will definitively result in release of funds. \nI am requesting the CFPB to review this matter due to PayPals failure to provide adequate resolution, transparency, or timely access to funds that belong to me.","date_sent_to_company":"2026-04-14T14:52:12.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"38018","tags":null,"has_narrative":true,"complaint_id":"21223477","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-14T14:42:58.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["PayPal is currently holding {$1600.00} of my funds under the claim that my <em>identity</em> can not be verified. This situation has resulted in the continued restriction of access to my money without clear resolution, clear instructions, or a defined path to recovery. \n\nMy account was previously <em>flagged</em> under a fraud/<em>security</em> review. I have not engaged in any <em>fraudulent</em> or suspicious activity."]},"sort":[14.040932,"21223477"]},{"_index":"complaint-public-v1","_id":"11365372","_score":13.982586,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2024, I received a phone call from a number that appeared on my caller ID as Bank of America, during this call, the individual informed me that funds had been stolen from my account and requested that I verify my identity by providing a code sent to me. Unaware of the risk, I provided the code subsequently I discovered that {$5000.00} was fraudulently wired from my account. \nGiven that I have never initiated a wire transfer before this should have been a clear red flag and triggered additional verification steps. I then called Bank of America fraud dept they informed me it was not them who made the call. \nIt is evident that current security controls were inadequate in preventing this incident, as a loyal customer I deserve to know how this transaction was successfully completed under their watch and what steps Bank of America will take to prevent such fraud in the future. I faxed and emailed them a letter XX/XX/2024 demanding a detailed written response to each of the questions that I had asked them, as well as a thorough review of my fraud claim. I received no reply. \nIt took me an hour to talk to a fraud specialist over the phone and said they would look into the matter and give me their response in 90 days.\n\nI had to close the account reopen another account where they were very happy to have me apply for two of their credit cards and a new checking account. I will be canceling those cars and taking my money out of that bank as soon as this is settled.\n\nEvery time I called the fraud Dept, they told me that they were still investigating it, I dont think they investigated anything! isnt it their responsibility to have security measures and fraud controls in place to protect my funds?\n\nthis incident highlights a significant lapse in Bank of Americas systems ability to safeguard consumers against fraudulent activities. I am deeply concerned and very frustrated regarding the handling of this recent fraud incident, and the subsequent denial of my fraud claim. \nI feel they are not compliant in their dispute claims process and failed in the security practices to protect me and my account.","date_sent_to_company":"2025-01-03T23:48:16.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"37211","tags":null,"has_narrative":true,"complaint_id":"11365372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-01-03T22:46:04.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I feel they are not compliant in their dispute claims process and <em>failed</em> in the <em>security</em> practices to protect me and my account."]},"sort":[13.982586,"11365372"]},{"_index":"complaint-public-v1","_id":"21017788","_score":13.950481,"_source":{"product":"Credit card","complaint_what_happened":"Subject : URGENT : Identity Abuse, Systemic Risk Failure, and Fraudulent Over-Limit Debt ( Account ending in XXXX ) To the Consumer Financial Protection Bureau, I am filing a formal complaint against Capital One regarding account ending in XXXX. I am the primary cardholder, and I have been a victim of financial abuse enabled by the bank 's gross negligence, resulting in a fraudulent balance of {$12000.00} on a {$6500.00} limit. \nXXXX. Account Hijacking and Lack of Transparency : The authorized user ( XXXX XXXX XXXX XXXX established this account using his own phone number and email address, effectively \" blinding '' me to all account activity. As the primary cardholder legally responsible for the debt, I never received a single statement, over-limit alert, or fraud notification. Capital One failed its security protocols by allowing an authorized user to control all communication channels, preventing me from discovering this abuse for months. \nXXXX. Gross Negligence in XXXX XXXX XXXX : My contractual credit limit is {$6500.00}. However, Capital One allowed the authorized user to charge multiple recurring transactions of {$3800.00} each ( Merchant : XXXX XXXX XXXX XXXXXXXX XXXX ). These charges pushed the balance to nearly 200 % of my limit. Capital One failed to block these excessive transactions at XXXX XXXX of sale and failed to seek my consent for such a massive extension of unsecured credit. \nXXXX. Failure to Act on Fraudulent \" Bust-out '' Activity : The banks records show a massive red flag : a fraudulent payment of {$10000.00} was made on XX/XX/XXXX and subsequently returned on XX/XX/XXXX ( XXXX XXXX ). This is a classic \" bust-out '' tactic used to artificially reset a credit line. Despite this obvious fraud indicator, Capital One failed to freeze the account immediately, allowing the debt to spiral further. The bank only \" suspended '' the account after the damage exceeded {$12000.00}, which was far too late. \nXXXX. Interest and Liability Dispute : The bank is currently charging over {$300.00} in monthly interest on a balance that resulted from its own failure to enforce credit boundaries. I am only responsible for my legitimate personal usage, which is less than {$1500.00}.","date_sent_to_company":"2026-04-07T17:42:07.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"21017788","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-04-07T16:15:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["Capital One <em>failed</em> to block these excessive transactions at XXXX XXXX of sale and <em>failed</em> to seek my consent for such a massive extension of unsecured credit. \nXXXX. Failure to Act on <em>Fraudulent</em> \" Bust-out '' Activity : The banks records show a massive red <em>flag</em> : a <em>fraudulent</em> payment of {$10000.00} was made on XX/XX/XXXX and subsequently returned on XX/XX/XXXX ( XXXX XXXX ). This is a classic \" bust-out '' tactic used to artificially reset a credit line."]},"sort":[13.950481,"21017788"]},{"_index":"complaint-public-v1","_id":"5394400","_score":13.919504,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XXXX, I was made aware that a line of credit was opened in my name by a company called Kikoff, which, according to their website is a credit builder that allows you to have up to a {$500.00} line of credit opened and can be spent in their store. I had been dealing with fraudulent use of my information for several weeks with other companies, all of which had been able to stop the approval process in it's tracks by noting fraud from go when the status was pending, or sending my some kind of information to VERIFY that this was in fact me.\n\nKikoff, however, does NO credit check and approves this fraudulent account. I have since done some research and found that not only are they not XXXX  accredited, but they have NUMEROUS complaints on the XXXX  website with the exact same issue as mine. An account opened in someones name without their knowledge, a balance of {XXXX}, a hard pull on their credit, little to no contact ( or at least HELPFUL ) from the company to resolve the issue.\n\nRed Flag # 1 - I located a phone number which I called and it directs you to an email address to reach out to instead. They are a \" small team '' and \" do not currently have a working phone line '' - really??\n\nRed Flag # 2 - An automated email back that they will reach out in 2-3 business days regarding my issue.\n\nRed Flag # 3 - A second automated email from \" XXXX '' who says I will need to verify my information with him OVER EMAIL in order to escalate my claim. Email here : Email here : Hi XXXX XXXX, Thanks for reaching out to us! We do apologize for the delay in response and regret to inform we do not have a phone number that can be used for outbound/inbound calls. \n\nWe do understand how disconcerting this can be and will do our best to help resolve this. To locate an account under your personal information, we will need to confirm your information. If you could please provide us with your full legal name, last 4 of your SSN and your current address, we will investigate our system and get back to you on what we find to resolve this issue. \n\nBest, XXXX Red Flag # 4 - After letting \" XXXX '' know that I would absolutely not be sending that information over email, I received a 3rd email from a \" XXXX '' : Hi XXXX, If you are seeing us on your credit file, you can submit a dispute with the credit bureaus and our investigations team will receive it within 3-5 days. If this is related to a bank charge on your credit or debit card you can process a dispute directly with your bank. I am sorry for any heartache this may be causing and wish you a quick resolution! \n\nRegards, XXXX Red Flag # 4 - I did exactly as asked and submitted a dispute with both XXXX and XXXX ( they do not report to XXXX ) and was contacted about a week later stating that Kikoff had in fact CONFIRMED to them that this account was real and not open fraudulently. \n\nRed Flag # 5 - After reaching out to multiple different employees on XXXX who's names I was able to find on the company website, the director of operations XXXX XXXX got back to me and said to contact support - the EXACT SAME EMAIL I HAD ALREADY SPOKEN WITH. \n\nRed Flag # 6 - After yet another attempt with terse language to these people, I get an automated response back that is different from what I received previously. They now want me to fill out an \" Identity Theft Affidavit '' which not only asks for things like my full SS number, my current address, previous addresses, but also ACCOUNT AND ROUTING NUMBERS for my bank. It is absolutely ludacris.\n\nI have spoken to the FTC twice over this matter and was directed here to file a formal complaint against the company. Given the above and also the many many similar stories I read on the XXXX  website about Kikoff, I know for a fact that something shady is going on with this company and they need to be investigated immediately. \n\nMy credit score has gone down almost 40 points the last few months from OVER 800 because of this identity theft issue and Kikoff is the ONLY company that has failed at the very most basic of security checks throughout the process. XXXX XXXX, XXXX XXXX, XXXX, and 3 other banking institutions resolved my issue immediately- why can't Kikoff? \n\nI have placed fraud alerts on all of my accounts now but again, with my disputes not being taken into effect for Kikoff with XXXX and XXXX, I am at a loss as to what to do now because I obviously will NOT be sending this insane company all of that personal information.","date_sent_to_company":"2022-04-01T16:05:45.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"30324","tags":null,"has_narrative":true,"complaint_id":"5394400","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kikoff Inc.","date_received":"2022-04-01T15:42:25.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["My credit score has gone down almost 40 points the last few months from OVER 800 because of this <em>identity</em> theft issue and Kikoff is the ONLY company that has <em>failed</em> at the very most basic of <em>security</em> checks throughout the process. 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