{"took":163,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":206,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4276879","_score":17.349909,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am an identity theft victim. I have credit freezes placed at all 3 credit bureaus and at XXXX XXXX. I don't have any accounts with TD Bank. \non XX/XX/XXXX I received a TD Bank statement for an account that I did not open. Called customer service but could not get to any person. \non XX/XX/XXXX went to TD Bank XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XX/XX/XXXXNYXXXX. The manager XXXX XXXX was very helpful. She called Fraud Specialist XXXX XXXX XXXX and reported the fraud. Apparently two accounts were opened online, one checking and one saving. Ms. XXXX gave me the direct number for Fraud Resolution Department. \nFor good measure I also called TD Bank Fraud Resolution Department and reported the fraud to XXXX. She said that she closed both accounts. \nI thought that it the end of it yet on XX/XX/XXXX I received another TD Bank Statement. Called their Fraud Resolution Department and spoke to XXXX. She said that the accounts were closed but she could not explain why I received another statement. \nIt is also difficult to understand how a bank can open an account to my name while I have security freezes placed at all 3 credit bureaus and at Chex Systems.","date_sent_to_company":"2021-04-07T05:07:50.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"11211","tags":null,"has_narrative":true,"complaint_id":"4276879","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2021-04-07T00:33:09.000Z","state":"NY","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["It is also difficult to understand how a bank can <em>open</em> an account to my name while I have <em>security</em> <em>freezes</em> placed at all 3 credit bureaus and at Chex Systems."]},"sort":[17.349909,"4276879"]},{"_index":"complaint-public-v1","_id":"11002283","_score":16.747149,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of Experian, XXXX, and XXXX to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/year>, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe. \nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within XXXX business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided. \nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \n\nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nXXXX XXXX : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant XXXX XXXX XXXX XXXX XXXX \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-12T12:56:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-03T02:46:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' <em>Open</em>, no <em>resolution</em>. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or <em>security</em> <em>freezes</em> '' <em>Open</em>, no <em>resolution</em>. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' <em>Open</em>, no <em>resolution</em>. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' <em>Open</em>, no <em>resolution</em>."]},"sort":[16.747149,"11002283"]},{"_index":"complaint-public-v1","_id":"11002238","_score":16.747149,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of Experian, XXXX, and XXXX to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/2024, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe. \nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within 5 business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided.\n\nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nEmotional Distress : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant emotional distress and XXXX XXXX. \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-03T02:53:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-03T02:51:29.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' <em>Open</em>, no <em>resolution</em>. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or <em>security</em> <em>freezes</em> '' <em>Open</em>, no <em>resolution</em>. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Improper use of your report '' <em>Open</em>, no <em>resolution</em>. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' <em>Open</em>, no <em>resolution</em>."]},"sort":[16.747149,"11002238"]},{"_index":"complaint-public-v1","_id":"11002279","_score":16.707447,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of XXXX, XXXX, and TransUnion to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/year>, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe.\n\nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within 5 business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided. \nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \n\nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nEmotional Distress : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant emotional distress and mental anguish. \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-03T02:50:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002279","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-03T02:50:05.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' <em>Open</em>, no <em>resolution</em>. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or <em>security</em> <em>freezes</em> '' <em>Open</em>, no <em>resolution</em>. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' <em>Open</em>, no <em>resolution</em>. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' <em>Open</em>, no <em>resolution</em>."]},"sort":[16.707447,"11002279"]},{"_index":"complaint-public-v1","_id":"11003332","_score":16.688442,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of XXXX, Equifax, and XXXX to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/year>, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints Equifax Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nXXXX Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nXXXX  Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' XXXX, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe.\n\nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within 5 business days. I have not received any such notifications.\n\nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided. \nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits.\n\nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nEmotional Distress : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant emotional distress and mental anguish. \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-03T02:50:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11003332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-03T02:50:05.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' <em>Open</em>, no <em>resolution</em>. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or <em>security</em> <em>freezes</em> '' <em>Open</em>, no <em>resolution</em>. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' <em>Open</em>, no <em>resolution</em>. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' <em>Open</em>, no <em>resolution</em>."]},"sort":[16.688442,"11003332"]},{"_index":"complaint-public-v1","_id":"15095136","_score":16.229633,"_source":{"product":"Checking or savings account","complaint_what_happened":"I I opened a Citi checking account this month, and my account has been frozen multiple times without clear explanation. Despite calling Citi three separate times to verify my identity, each time the security team confirmed that I was fully verified.\n\nHowever, my funds remain locked in the account. Citi has informed me that the matter needs to be reviewed by a back office management team and that I must simply wait without any estimate of when the issue will be resolved. They have refused to escalate my calls or provide me with direct access to anyone who can resolve the situation.\n\nIt is unacceptable for Citi to freeze access to my own funds without providing a clear reason or timeframe for resolution. They had no issue accepting my {$2000.00} deposit, yet they are now preventing me from accessing it to pay off my credit card or transfer funds elsewhere.\n\nI have had a prior relationship with Citi, including a credit card that was only recently closed. All my personal information on file is current and accurate, and I have repeatedly confirmed this during identity verification calls. Despite this, Citis internal systems continue to indiscriminately flag and freeze my account. I never received a letter on the freeze either and it's been opened for several weeks.\n\nThis is now the second time this has happened in a month, and Citi has failed to communicate proactively or offer transparency about the cause of the freeze or what steps are being taken to resolve it. I believe Citis actions are unfair, deceptive, and abusive, constituting a violation of consumer protection principles under UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ).\n\nI am requesting that Citi immediately release the hold on my account or provide a specific and reasonable timeframe for resolution. The current handling of this situation is causing financial harm and undue stress.","date_sent_to_company":"2025-08-05T17:50:17.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"67226","tags":null,"has_narrative":true,"complaint_id":"15095136","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-08-05T17:29:15.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Despite this, Citis internal systems continue to indiscriminately flag and <em>freeze</em> my account. I never received a letter on the <em>freeze</em> either and it's been <em>opened</em> for several weeks.\n\nThis is now the second time this has happened in a month, and Citi has failed to communicate proactively or offer transparency about the cause of the <em>freeze</em> or what steps are being taken to resolve it."]},"sort":[16.229633,"15095136"]},{"_index":"complaint-public-v1","_id":"12014243","_score":15.902212,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Regarding Chex Systems Security Freeze and Inability to Open Bank Account Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an ongoing issue with Chex Systems that has prevented me from opening a bank account and accessing my earned income. This situation has caused significant financial hardship and frustration, and I have been unable to resolve it despite repeated attempts. \n\nHere is a summary of the issue : Initial Problem : I attempted to open a bank account with XXXX XXXX  to receive my paycheck from my job. However, I was informed that my application was denied due to a security freeze on my Chex Systems report. I had never heard of Chex Systems prior to this incident and had never created an account or placed a freeze on my file. \n\nAttempts to Resolve : I contacted Chex Systems to unfreeze my report but was told I would need a PIN to do so. Since I never created an account with Chex Systems, I did not have a PIN. \n\nI was instructed to request a new PIN, which I did immediately. However, I never received the PIN, even after waiting several weeks. \n\nI followed up multiple times and was told to request the PIN again. I submitted another request, but it has now been 3 to 4 months since my initial request, and I still have not received the PIN. \n\n\nThis unresolved issue has prevented me from opening a bank account, which has left me unable to access my earned income. As a result, I am struggling to pay my bills and manage my finances. This situation has caused unnecessary stress and financial hardship. \n\nRequest for Assistance : I am requesting the CFPBs assistance in resolving this matter as quickly as possible. Specifically, I need : Chex Systems to immediately so I can lift the security freeze on my report. \n\n\nAssurance that this issue will be resolved promptly so I can open a bank account and access my funds. \n\nI have made every effort to resolve this issue directly with Chex Systems, but the lack of responsiveness and resolution has left me with no other option but to seek assistance from the CFPB. I have attached any relevant documentation ( e.g., correspondence with Chex Systems, bank denial notices ) to support my complaint. \n\nThank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-02-11T00:42:35.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"91303","tags":null,"has_narrative":true,"complaint_id":"12014243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2025-02-11T00:27:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Specifically, I need : Chex Systems to immediately so I can lift the <em>security</em> <em>freeze</em> on my report. \n\n\nAssurance that this issue will be resolved promptly so I can <em>open</em> a bank account and access my funds. \n\nI have made every effort to resolve this issue directly with Chex Systems, but the lack of responsiveness and <em>resolution</em> has left me with no other option but to seek assistance from the CFPB."]},"sort":[15.902212,"12014243"]},{"_index":"complaint-public-v1","_id":"16173456","_score":15.661289,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint because Bank of America has wrongfully frozen my savings account, which I have held since XXXX. \n\nWhen I opened the account, I provided all required identification ( passport, Social Security, and other documents ). My identity was fully verified at that time. \n\nRecently, after I filed a complaint regarding my Bank of America credit card ( technical failures, false resolution, and mishandling of my account ), the bank suddenly froze my savings account. \n\nI was told this was because someone called in and claimed the account was fraudulent. This is false. I am the rightful account holder and have maintained my account responsibly since XXXX. \n\nThe freeze has denied me access to my own legally owned money, which I depend on as a student. I was not given any proper notice, documentation, or explanation prior to this action. \n\nThis appears retaliatory, given that it occurred immediately after my prior complaint regarding my credit card. \n\nThis action is unfair, harmful, and feels like harassment. \n\nResolution Requested Immediately unfreeze my savings account and restore full access to my funds. \n\nAcknowledge in writing that my account is valid, legitimate, and not fraudulent. \n\nProvide a clear explanation for why the freeze was placed and who authorized it. \n\nCompensate me for the financial stress and disruption caused by this wrongful freeze. \n\nGuarantee in writing that no further retaliatory actions will be taken against my accounts because of my complaints. \n\nI am requesting CFPBs urgent assistance, as I am being denied access to my own funds without justification.","date_sent_to_company":"2025-09-25T21:03:07.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"07307","tags":null,"has_narrative":true,"complaint_id":"16173456","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-09-25T20:57:18.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["When I <em>opened</em> the account, I provided all required identification ( passport, Social <em>Security</em>, and other documents ). My identity was fully verified at that time. \n\nRecently, after I filed a complaint regarding my Bank of America credit card ( technical failures, false <em>resolution</em>, and mishandling of my account ), the bank suddenly froze my savings account. \n\nI was told this was because someone called in and claimed the account was fraudulent. This is false."]},"sort":[15.661289,"16173456"]},{"_index":"complaint-public-v1","_id":"6974067","_score":15.325476,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"TD Retail Card Services XXXX XXXX XXXX XXXX SC XXXX Credit Card opened by someone else with my credit information in fraud and now they are changing my address. I am concerned about timely resolution. \n\nI was notified by my company 's Fraud Protection Agency. I contacted TD Credit Card Services and was told there was no account open in my name or social security number on XX/XX/2023. \n\nI put a freeze on my credit through 3 credit bureau reporting agencies to stop future issues. \n\nI received 2 letters stating that I had requested an address change on XX/XX/2023 from TD Retail Card Services. I tried to call and customer service was helpful and told me to call a different number for Retail Card Services. She explained there are different types of cards issued by this company. I tried to call them and they are only open Monday - Friday XXXX - XXXX.","date_sent_to_company":"2023-07-06T22:46:22.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"683XX","tags":null,"has_narrative":true,"complaint_id":"6974067","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2023-05-13T19:08:31.000Z","state":"NE","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["TD Retail Card Services XXXX XXXX XXXX XXXX SC XXXX Credit Card <em>opened</em> by someone else with my credit information in fraud and now they are changing my address. I am concerned about timely <em>resolution</em>. \n\nI was notified by my company 's Fraud Protection Agency. I contacted TD Credit Card Services and was told there was no account <em>open</em> in my name or social <em>security</em> number on XX/XX/2023. \n\nI put a <em>freeze</em> on my credit through 3 credit bureau reporting agencies to stop future issues."]},"sort":[15.325476,"6974067"]},{"_index":"complaint-public-v1","_id":"12295710","_score":15.122777,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I called Equifax customer service multiple times to request a credit freeze and set fraud alert. Despite providing confidential personal information, my request was refused by all Equifax customer service agents. Even a supervisor named XXXX XXXX repeatedly asked for unnecessary details, including my full SSN, phone number, and email address ( never heard that email address is used to verify identity! ), which are not required by other bureaus for this process, then he still refused to provide the required service requested by me. \nEquifax call center staff is unprofessional, their background was crowded and highly likely for others to overhear my confidential information. Under this environment, the agents request for full SSN over the phone is not following security measures of FTC and FINRA guidelines. Even after reluctantly providing all information, agents still refused to place the freeze and fraud alert, asking for MORE information to be mailed to Equifax to be reviewed, including a photocopy of my SSN card! \nUnder FTC regulations, the credit freeze and fraud alert service are required, yet Equifax lacks an easy online process, forcing customers to create an account in order to access any service. Even after attempting to create an account with Equifax, I was redirected to call Equifax Customer Center to open an account.\n\nI request immediate action to place the freeze and fraud alert. If any credit abuse occurs before credit is frozen, Equifax is responsible. Equifax staff 's actions have put my personal information at risk.\n\nI expect a prompt resolution.","date_sent_to_company":"2025-03-03T20:07:45.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"48906","tags":null,"has_narrative":true,"complaint_id":"12295710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-03T19:59:46.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I expect a prompt <em>resolution</em>."],"issue":["Problem with fraud alerts or <em>security</em> <em>freezes</em>"]},"sort":[15.122777,"12295710"]},{"_index":"complaint-public-v1","_id":"3333767","_score":14.983915,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian credit bureau should be required to have live agents to answer the phone. I had to freeze my credit because the credit bureau 's can not keep my information safe. Then when I need to open an account I have to go unfreeze my credit. Their website does not allow me access even though I answered all the security questions correctly. They want me to send in a letter. I need the account open ASAP. If someone answers the phone I could get help. Everything is automated. A company with this much control over your financial business should be required to have real staff to help out on unique situations. Its is unacceptable to not be able to get a resolution without sending in a letter. Completely frustrating, unprofessional nonsense. Its like having a XXXX service that you can not call. I can call my local XXXX and get someone to pick up the phone. This needs to be addressed and have stringent requirements installed.","date_sent_to_company":"2019-08-08T19:38:59.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"681XX","tags":null,"has_narrative":true,"complaint_id":"3333767","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-08-08T19:28:13.000Z","state":"NE","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 had to <em>freeze</em> my credit because the credit bureau 's can not keep my information safe. Then when I need to <em>open</em> an account I have to go unfreeze my credit. Their website does not allow me access even though I answered all the <em>security</em> questions correctly. They want me to send in a letter. I need the account <em>open</em> ASAP. If someone answers the phone I could get help. Everything is automated."],"issue":["Problem with fraud alerts or <em>security</em> <em>freezes</em>"]},"sort":[14.983915,"3333767"]},{"_index":"complaint-public-v1","_id":"10153074","_score":14.983251,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding fraudulent accounts and charges that have appeared on my credit report as a result of identity theft. I have already filed an identity theft report with the relevant authorities and would like to put your bureau on notice regarding these fraudulent activities. I am requesting the following actions : Immediate investigation into the unauthorized accounts and inquiries. \nRemoval of any and all accounts or debts that I did not open or authorize. \nA security freeze or fraud alert placed on my credit file to prevent further unauthorized activity. \nUpdates on the status of your investigation and resolution within the required time frame. \nEnclosed with this complaint are copies of my identity theft report, a government-issued ID. \n\nI trust that your bureau will promptly address this matter and take appropriate measures to protect my credit profile.","date_sent_to_company":"2024-09-17T02:20:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91941","tags":null,"has_narrative":true,"complaint_id":"10153074","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-17T02:20:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Removal of any and all accounts or debts that I did not <em>open</em> or authorize. \nA <em>security</em> <em>freeze</em> or fraud alert placed on my credit file to prevent further unauthorized activity. \nUpdates on the status of your investigation and <em>resolution</em> within the required time frame. \nEnclosed with this complaint are copies of my identity theft report, a government-issued ID. \n\nI trust that your bureau will promptly address this matter and take appropriate measures to protect my credit profile."]},"sort":[14.983251,"10153074"]},{"_index":"complaint-public-v1","_id":"10153073","_score":14.983251,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding fraudulent accounts and charges that have appeared on my credit report as a result of identity theft. I have already filed an identity theft report with the relevant authorities and would like to put your bureau on notice regarding these fraudulent activities. I am requesting the following actions : Immediate investigation into the unauthorized accounts and inquiries. \nRemoval of any and all accounts or debts that I did not open or authorize. \nA security freeze or fraud alert placed on my credit file to prevent further unauthorized activity. \nUpdates on the status of your investigation and resolution within the required time frame. \nEnclosed with this complaint are copies of my identity theft report, a government-issued ID. \n\nI trust that your bureau will promptly address this matter and take appropriate measures to protect my credit profile.","date_sent_to_company":"2024-09-17T02:20:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91941","tags":null,"has_narrative":true,"complaint_id":"10153073","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-17T02:20:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Removal of any and all accounts or debts that I did not <em>open</em> or authorize. \nA <em>security</em> <em>freeze</em> or fraud alert placed on my credit file to prevent further unauthorized activity. \nUpdates on the status of your investigation and <em>resolution</em> within the required time frame. \nEnclosed with this complaint are copies of my identity theft report, a government-issued ID. \n\nI trust that your bureau will promptly address this matter and take appropriate measures to protect my credit profile."]},"sort":[14.983251,"10153073"]},{"_index":"complaint-public-v1","_id":"10153049","_score":14.978204,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding fraudulent accounts and charges that have appeared on my credit report as a result of identity theft. I have already filed an identity theft report with the relevant authorities and would like to put your bureau on notice regarding these fraudulent activities. I am requesting the following actions : Immediate investigation into the unauthorized accounts and inquiries. \nRemoval of any and all accounts or debts that I did not open or authorize. \nA security freeze or fraud alert placed on my credit file to prevent further unauthorized activity. \nUpdates on the status of your investigation and resolution within the required time frame. \nEnclosed with this complaint are copies of my identity theft report, a government-issued ID. \n\nI trust that your bureau will promptly address this matter and take appropriate measures to protect my credit profile.","date_sent_to_company":"2024-09-17T02:19:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91941","tags":null,"has_narrative":true,"complaint_id":"10153049","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-17T02:06:56.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Removal of any and all accounts or debts that I did not <em>open</em> or authorize. \nA <em>security</em> <em>freeze</em> or fraud alert placed on my credit file to prevent further unauthorized activity. \nUpdates on the status of your investigation and <em>resolution</em> within the required time frame. \nEnclosed with this complaint are copies of my identity theft report, a government-issued ID. \n\nI trust that your bureau will promptly address this matter and take appropriate measures to protect my credit profile."]},"sort":[14.978204,"10153049"]},{"_index":"complaint-public-v1","_id":"2677582","_score":14.71316,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have been a victim of identity theft and have filed all the appropriate info with the FTC, IRS, local police dept., etc. A common activity is to have someone I do n't know open a credit/debit account in my name using my SS #. Every company that I have contacted for resolution/cancellation has helped me resolve the fraudulent account, except Simple. I contacted Simple ( XXXX ) on X/XX/2017. They refused to speak with me about the account, even though I gave them all of my information, including SS #, because I was \" not the one who opened the account. '' They refused to even tell me if the account was active or closed. I have placed security freezes on my credit reports to avoid further experiences like this, but I need to clean up all these loose ends and not have open fraudulent accounts. Identity theft is bad enough, but when companies like Simple refuse to help, it makes it that much worse. All I want is to be sure this account is closed.","date_sent_to_company":"2017-09-18T21:22:06.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"87505","tags":null,"has_narrative":true,"complaint_id":"2677582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BBVA FINANCIAL CORPORATION","date_received":"2017-09-18T20:25:27.000Z","state":"NM","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["They refused to speak with me about the account, even though I gave them all of my information, including SS #, because I was \" not the one who <em>opened</em> the account. '' They refused to even tell me if the account was active or closed. I have placed <em>security</em> <em>freezes</em> on my credit reports to avoid further experiences like this, but I need to clean up all these loose ends and not have <em>open</em> fraudulent accounts."]},"sort":[14.71316,"2677582"]},{"_index":"complaint-public-v1","_id":"7816822","_score":14.503786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a complaint against Experian due to a security breach of my account. Experian 's handling of this situation was severely inadequate and has left me vulnerable to identity theft and financial harm. \n\nOn XX/XX/2023, I received an email from Experian stating that my credit report had been unfrozen. I had not unfroze my report which suggested unauthorized access to my credit information. \n\nUpon reaching an Experian customer service agent, I was informed someone impersonated me on the phone and successfully unfroze my credit report. This implies a severe lapse in Experian 's security procedures. I took immediate action to safeguard my account by changing all PINs and passwords associated with my Experian account. The Experian agent treated this as a dispute and placed a fraud alert on my account. They advised me to call if any further unusual activity occurred. \n\nOn XX/XX/2023, I received an email from Experian stating my address had been changed. I had not made this change, but I noted that one digit in the numeric part of my address had been altered. More alarming is the fraud alert on my account had been removed without my consent. \n\nWhen I contacted Experian about this unauthorized change and removal of the fraud alert, the agent was unhelpful, providing no information about how this change had occurred. They suggested it may have been initiated by a creditor, but I have not opened any new lines of credit in over a year. This lack of transparency and assistance from Experian is deeply concerning and suggests someone can impersonate me and change information in Experian credit report with relative ease. \n\nI have taken all necessary steps to protect my identity, but Experian 's lax security measures and inadequate response to these incidents are deeply troubling. I hope that my complaint will lead to a thorough review of Experian 's security protocols and a resolution of this situation to prevent further damage to my credit and personal information. \n\nI filed a XXXX XXXX XXXX complaint against Experian. Below are two statements in the reply from Experian that highlight the incompotence of the people handling XXXX complaints. \n\nThe following is in regards to your statement \" Additionally, our records indicate that XXXX XXXX was able to successfully remove his Security Freeze from his Experian credit report on XX/XX/2023, via our contact center. '' Apparently you can not comprehend that this is the PROBLEM and not a solution. I did not call your contact center to remove a security freeze. I did call your contact center to ask why my security freeze had been removed. I was told that someone impersonating me was able to call your contact center and have my security freeze removed. This shows a severe lack of security on your part. \n\nThe following is in regards to your statement \" We added an Initial Security Alert to XXXX XXXX credit report on XX/XX/2023. '' You also claimed that you set up an Initial Security Alert when I called you on XX/XX/2023. When I called you on XX/XX/2023 regarding the unauthorized change to my address I was told there was no Initial Security Alert. That means either you did not actually set up an Initial Security Alert on XX/XX/2023 even though you said you did or somebody impersonating me was able to remove the Initial Security Alert due to lack of security on your part. \n\nUpon loooking into Experian security issues I found the following XXXX XXXX XXXX XXXX All you need to get the PIN that allows a hacker to unfreeze an account is the person 's name, social security number, and birthdate. Any unvalidated email can be supplied to received the PIN. With this PIN the hacker can make any changes to your credit report. As the page says this security is truly a joke.","date_sent_to_company":"2023-11-07T16:01:09.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"77578","tags":null,"has_narrative":true,"complaint_id":"7816822","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-07T15:21:28.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The following is in regards to your statement \" Additionally, our records indicate that XXXX XXXX was able to successfully remove his <em>Security</em> <em>Freeze</em> from his Experian credit report on XX/XX/2023, via our contact center. '' Apparently you can not comprehend that this is the PROBLEM and not a solution. I did not call your contact center to remove a <em>security</em> <em>freeze</em>. I did call your contact center to ask why my <em>security</em> <em>freeze</em> had been removed."],"issue":["Problem with fraud alerts or <em>security</em> <em>freezes</em>"]},"sort":[14.503786,"7816822"]},{"_index":"complaint-public-v1","_id":"20280861","_score":14.346407,"_source":{"product":"Checking or savings account","complaint_what_happened":"A check from social security in the amount of {$63000.00} was stolen from the mail and the thief opened an account with Truist Bank in my name on XX/XX/year>, deposited it and then they drained the account within days. In addition to Truist not following Know Your Customer regulations, this should have raised multiple red flags, but Truist never reached out to us. We only found out about it at the end of XXXX when we got an account statement in the mail showing the activity. We tried to find out what personal information was used to open the account, but they kept re-routing us to their fraud department who took XXXX weeks for them to get back to us ( after multiple attempts of us reaching out ) and all they said is that it would take a month to get a resolution. After that, we just got a letter from them telling us we had been a victim of identity theft and telling us to freeze our credit accounts. We had already done that once we got the first account statement.","date_sent_to_company":"2026-03-15T15:48:32.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"106XX","tags":null,"has_narrative":true,"complaint_id":"20280861","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-03-15T15:27:11.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["We tried to find out what personal information was used to <em>open</em> the account, but they kept re-routing us to their fraud department who took XXXX weeks for them to get back to us ( after multiple attempts of us reaching out ) and all they said is that it would take a month to get a <em>resolution</em>. After that, we just got a letter from them telling us we had been a victim of identity theft and telling us to <em>freeze</em> our credit accounts. We had already done that once we got the first account statement."]},"sort":[14.346407,"20280861"]},{"_index":"complaint-public-v1","_id":"11493169","_score":14.335291,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On the XXXX of XX/XX/XXXX I attempted to open an account with TransUnion in order to check my credit and put a freeze on my credit account in order to prevent fraud. I was unable to open an account through their normal portal, and was presented with an error message and told to call their help number. After calling, I was told by the representative that they were unable to verify my identity because the social security number I was providing, was incorrect. I opened accounts with the two other main credit bureaus that same day with no issue. I was told on the phone that there was one bank that was reporting the social security number incorrectly. The solution that was offered to me initially was to send them a copy of my social security card in the mail to prove my identity. I objected, because I did not want to send sensitive information in the mail. I was then told that my other option was to contact the bank that was incorrectly reporting the information, and have them correct the error from their end. \n\nOn XX/XX/XXXX TransUnion sent me a written letter stating that the source of the error was XXXX XXXX. This is a bank that I have not had an active account with since XXXX. I contacted the bank and asked them to update that information. They sent me a letter on XX/XX/XXXX stating that they had investigated the disputed information but found it to all be correct. \n\nSince XX/XX/XXXX I have had an open case with Transunion and have been told multiple times that my case was being looked at, investigated, that I would hear of a resolution, etc. XX/XX/XXXX I was told that my case would be resolved in XXXX business days and that I would receive a call with an update. I called XX/XX/XXXX and was told that my file was still being looked at by their maintenance department, I should have received a call back from their team but did not. The representative said that my social security number is still in their records as incorrect, and that the social security number actually belongs to someone else.","date_sent_to_company":"2025-01-13T15:52:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02852","tags":null,"has_narrative":true,"complaint_id":"11493169","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-13T15:38:14.000Z","state":"RI","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":["On the XXXX of XX/XX/XXXX I attempted to <em>open</em> an account with TransUnion in order to check my credit and put a <em>freeze</em> on my credit account in order to prevent fraud. I was unable to <em>open</em> an account through their normal portal, and was presented with an error message and told to call their help number. After calling, I was told by the representative that they were unable to verify my identity because the social <em>security</em> number I was providing, was incorrect."]},"sort":[14.335291,"11493169"]},{"_index":"complaint-public-v1","_id":"13183811","_score":14.269505,"_source":{"product":"Credit card","complaint_what_happened":"Four months ago, I went to trade my car in for a new car, and I was advised I may have been a victim of identity theft. They indicated I had open accounts in XXXX, but I live in XXXX. iA police report was filed with the XXXX Police Department as this is where I lived at the time. I now reside in the city of XXXX. This account is not mine and I don't not know what else to do. I have a police report i have also filed a freeze with the credit bureaus and filed an alert with social security office. \n\nThis could jeopardize me from obtaining a higher paying position within my company because of the fraudulent account. I have contacted Synchrony Bank and advised them of this fraudulent account with no resolution. \n\nI have filed a police report with the XXXX XXXX XXXX XXXX and also filed a complaint with the Attorney General 's office. \n\nPlease help thank you.","date_sent_to_company":"2025-04-25T04:09:15.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"85323","tags":null,"has_narrative":true,"complaint_id":"13183811","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-04-25T03:50:14.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["They indicated I had <em>open</em> accounts in XXXX, but I live in XXXX. iA police report was filed with the XXXX Police Department as this is where I lived at the time. I now reside in the city of XXXX. This account is not mine and I don't not know what else to do. I have a police report i have also filed a <em>freeze</em> with the credit bureaus and filed an alert with social <em>security</em> office. \n\nThis could jeopardize me from obtaining a higher paying position within my company because of the fraudulent account."]},"sort":[14.269505,"13183811"]},{"_index":"complaint-public-v1","_id":"4772033","_score":14.211679,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After finding out that someone had got into my XXXX XXXX account. It was suggested by the food folks at XXXX XXXX that I contact the three credit reporting bureaus. Experian was the first logical choice due to their affiliation with XXXX XXXX. On XX/XX/XXXX I attempted to login to my free Experian account. An account that I had opened years ago. On this day I was unable access my account. Given that I rarely if ever used this account, I thought it best to recover my password. To my great dismay, the partial recovery email address was not mine. I reached out to their fraud department, who discovered that the hacker had taken over the account, oddly upgrading it to a paid account on or about XX/XX/XXXX. I imagine it was done because more information could be revealed for them to steal with this paid account. The representative explained to me what a fraud alert and credit freeze would accomplish. I asked her to set them both up. I was asked to provide a 5 digit pin to be used to unfreeze my account. I was told to call back in 72 hours in order to recover my account via random questions pertaining to my credit history. I did this repeatedly after 72 hours, from the XXXX until last night XX/XX/XXXX. I was given various excuses. For example, the basic authentication of my identity failed, because the fraudster changed the answer to the security question regarding what street I was born in. This would always lead, due to my insistence, to escalate the security via those questions randomly chosen by the system pertaining to my credit history. To this day, they are unable to have those questions come up. As if they were locked. In the many many exchanges Ive had with Experian since XX/XX/XXXX, one of the excuse given to me for the lockout was because too many attempts had been made to login. At this point I had only attempted to log in on XX/XX/XXXX, prior to my initial phone call. \nAs of XX/XX/XXXX the fraudsters ( XXXX ) XXXX phone number had supplanted mine. While his California had been address was added. XXXX XXXX XXXX XXXX, XXXX, CA XXXX. That despite my not having any connection to California and a long and insistent credit history. \nThis breech has caused me great anguish, pain, lack of sleep, all affecting my health gravely. While having me spend 10s of hours to restore my identity, while one of the primary credit reporting bureaus, having been duped, still had the fraudsters information. XXXX XXXX, who partners with Experian acknowledged that they had the wrong information. Due to this disastrous breach of security, divulging my personal information, I was forced to completely cancel two of my accounts. One, XXXX XXXX, which Ive had since XXXX. \nRegarding my credit freeze that had been allegedly in place from XX/XX/XXXX, along with a pin I was to provide Experian to unlock the freeze. In my subsequent calls I was alternately told that I had no fraud alert or credit freeze. I again enabled a credit freeze, providing them another pin for the purposes of unlocking it. Through the virtually impossible task of getting to an Experian representative, I had an option with the automated system to freeze my account. If it was already frozen, it would had told me so. It did not. I commanded the system to freeze my account once again. It asked my to provide a pin. Once again I gave them a different 5 digit pin. The credit freeze had not been clear until this incident was escalated a day or two ago. The fraud alert had in fact been in place since XX/XX/XXXX. \nIn my many unsatisfying calls to Experian, on or about XX/XX/XXXX, after jumping through hoops to speak to a human. The lack of resolution with the poorly trained customer service representative pushed me to please speak to a supervisor. I unfortunately got XXXX. Someone that could best be characterized as the anti-customer relations representative, demonstrated by his curtness and continued talking over me. Providing me no resolution, rather going around in circles with the same process An extremely poor face for Experian. \nA day or two later, still trying to get to the bottom of all of this and wondering what the status of my many freezes was, I was again directed to a supervisor. To my dismay, it was XXXX. He was extremely belligerent, unhelpful and lied to me telling that he had told me that I had to open a new Experian account with a different email address. He nor had any of the representatives told me this. \nAs one would expect, two accounts with the same name, social security number and date of birth would not allow for a new account. \nThe evidence reveals that Experian was akin to an accomplice to a known criminal who lives on the other side of the country. Thus enabling my bank and XXXX XXXX card be to send him on three separate occasions, as well as a debit card, to my understanding. Thankfully all were invalidated before they were received the criminal fraudster. On balance over the roughly 12 hours of phone calls with Experian, roughly two thirds of my contact with Experians ( so-called ) customer service representatives and the serially failing fraud department ( except for my first contact ) were not only unhelpful and belligerent, but dont right useless.\n\nI would had been much better off without Experian in the way to help turn my world upside down for the last two weeks. Their lack of security rivals their level of gross incompetence. I have tried to have all of my information removed from Experian with no luck whatsoever. \nIt boggles the mind that Experian had demonstrated that they are absurdly lacking in keeping data safe from predators. Instead seeming to be complicit with the fraudsters.","date_sent_to_company":"2021-10-01T10:26:20.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"33134","tags":"Older American","has_narrative":true,"complaint_id":"4772033","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-10-01T10:10:11.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["Providing me no <em>resolution</em>, rather going around in circles with the same process An extremely poor face for Experian. \nA day or two later, still trying to get to the bottom of all of this and wondering what the status of my many <em>freezes</em> was, I was again directed to a supervisor. To my dismay, it was XXXX. He was extremely belligerent, unhelpful and lied to me telling that he had told me that I had to <em>open</em> a new Experian account with a different email address."]},"sort":[14.211679,"4772033"]},{"_index":"complaint-public-v1","_id":"16422795","_score":14.172209,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because Experian has failed to unlock my credit file, even after I submitted a written request months ago. I originally asked Experian in XX/XX/year> to remove the lock or freeze placed on my file, but to this day, XX/XX/year>, it still remains locked. \n\nThis ongoing issue has been preventing me from properly managing my credit. I am actively handling open disputes, checking for updates, and monitoring my credit restoration progress. Having my file locked stops me from accessing important updates and from applying for legitimate financial services that require a credit check. \n\nI fully understand the purpose of a credit lock and appreciate the security it provides, but in this situation, it is doing the opposite its interfering with my right to access and review my credit information. I am not requesting removal of security protections ; Im simply asking Experian to unlock my file so I can manage it responsibly. \n\nExperian has not provided any explanation or resolution since I first contacted them, and my follow-up requests have gone unanswered. Ive already taken every necessary precaution on my own, including filing reports with the CFPB and placing fraud alerts when appropriate. Despite this, I still cant access my Experian credit report. \n\nI believe Experians failure to respond or take corrective action violates my right under the Fair Credit Reporting Act ( FCRA ) to access my own credit file and ensure its accuracy. Im asking for the immediate removal of any lock or freeze currently on my credit report so that I can monitor and manage my credit information freely.","date_sent_to_company":"2025-10-07T17:50:15.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"07032","tags":null,"has_narrative":true,"complaint_id":"16422795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-07T17:35:06.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["I fully understand the purpose of a credit lock and appreciate the <em>security</em> it provides, but in this situation, it is doing the opposite its interfering with my right to access and review my credit information. I am not requesting removal of <em>security</em> protections ; Im simply asking Experian to unlock my file so I can manage it responsibly. \n\nExperian has not provided any explanation or <em>resolution</em> since I first contacted them, and my follow-up requests have gone unanswered."]},"sort":[14.172209,"16422795"]},{"_index":"complaint-public-v1","_id":"4768565","_score":14.054065,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello, I received a letter from Wells Fargo about a change of address notification for a checking account and a platinum debit card. Checking account ending XXXX and debit card ending in XXXX. They also mentioned that they have updated the address and they are checking whether it was me who did that change. I called them immediately and told them I do not have any Wells Fargo card or ever had any banking relationship with Wells Fargo. It's a fraudulent account and I want them to freeze it and kindly investigate it. Upon requesting to freeze and give a letter in writing about the action fraud department employee started questioning me and asked me unrelated financial questions and my social security number. I told them that I am not comfortable giving you that information knowing that I am a victim of identity fraud and the next thing they are asking me is my social is a cruel thing. They told me they can not do anything in this regard and closed the case. I told them wells Fargo opened a fraudulent account using my name and address and now that person is trying to change address with USPS to divert my mails. I reached out to USPS and mentioned to them I am not changing any address nor have I made any request. I seek a resolution and in meantime, during my online search, I found that this is a modus operandi of wells Fargo to increase customers.","date_sent_to_company":"2021-10-01T05:00:06.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"12205","tags":null,"has_narrative":true,"complaint_id":"4768565","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-10-01T00:32:15.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["It's a fraudulent account and I want them to <em>freeze</em> it and kindly investigate it. Upon requesting to <em>freeze</em> and give a letter in writing about the action fraud department employee started questioning me and asked me unrelated financial questions and my social <em>security</em> number. I told them that I am not comfortable giving you that information knowing that I am a victim of identity fraud and the next thing they are asking me is my social is a cruel thing."]},"sort":[14.054065,"4768565"]},{"_index":"complaint-public-v1","_id":"13847808","_score":13.937539,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened an Ally Bank account recently and received a {$400.00} XXXX payment from a personal contact. The payment was clearly labeled as a profit split. Because I hadnt received my debit card yet, I attempted to wire the funds to my XXXX account. That same day, Ally froze my account. \n\nSince then, Ive passed full phone identity verification twice, including background security questions, and explained the transaction in detail to multiple representatives. Ive been told repeatedly that my account is under review with no timeframe or explanation.\n\nIve submitted multiple emails to Ally, including one through their executive support channel, requesting clarification, resolution, or confirmation that my funds will be returned via mailed check. Ive received no answer and no access to my own money. \n\nThere is no fraud, no third-party dispute, and no legal reason to continue holding my funds. This is a legitimate personal transaction between two individuals. I believe this account freeze is unjustified and the delay in response violates fair banking practices.","date_sent_to_company":"2025-06-02T20:35:38.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"164XX","tags":null,"has_narrative":true,"complaint_id":"13847808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-06-02T20:20:36.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I believe this account <em>freeze</em> is unjustified and the delay in response violates fair banking practices."]},"sort":[13.937539,"13847808"]},{"_index":"complaint-public-v1","_id":"1591707","_score":13.93293,"_source":{"product":"Credit card","complaint_what_happened":"My At & T universal Credit Card/ CITI was charged with fraudulent purchases during XXXX 2015. XXXX calls were made, XXXX certified letter were sent to remedy the problem : I asked them to drop the charges, to close my account, and NOT to send A NEW CREDIT CARD. NONE OF MY REQUEST WERE ANSWERED AND A NEW CREDIT CARD WAS SENT TO MY ADDRESS which I have not received and was activated not from my phone. This credit card company may have a security breach : I had to place a credit freeze plus change all my credit cards and bank account numbers and I still have not received a letter from the AT & T credit card company stating that all my accounts at the credit card company are closed. After multiple calls and letters in the last 6 weeks no resolution has been reached and my account is still open : I want NO credit Card from them and No account with them. Please help","date_sent_to_company":"2015-10-03T23:48:43.000Z","issue":"Identity theft / Fraud / Embezzlement","sub_product":null,"zip_code":"08021","tags":null,"has_narrative":true,"complaint_id":"1591707","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2015-10-03T23:48:42.000Z","state":"NJ","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This credit card company may have a <em>security</em> breach : I had to place a credit <em>freeze</em> plus change all my credit cards and bank account numbers and I still have not received a letter from the AT & T credit card company stating that all my accounts at the credit card company are closed. After multiple calls and letters in the last 6 weeks no <em>resolution</em> has been reached and my account is still <em>open</em> : I want NO credit Card from them and No account with them. Please help"]},"sort":[13.93293,"1591707"]},{"_index":"complaint-public-v1","_id":"3282797","_score":13.878368,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Whom This May Concern : I am filing this complaint due to lack of resolution with Equifax to make my credit file available to creditors. I have had two scenarios in which my credit files was not made available to a creditor whom I had been applying with for a home construction and mortgage loan. The first scenario was with XXXX XXXX XXXX when I had applied for a construction loan. The second scenario was when I was refinancing the construction loan to a permanent home mortgage with both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. During both scenarios I had called Equifax to lift a credit freeze on my file and remove fraud alert. All attempts to lift my credit file freeze and remove the fraud alert resulted in Equifax confirming the freeze lift and my creditor unable to view my credit file. During the second scenario I had requested that the credit freeze and fraud be permanently removed from my file in hopes to correct any glitches with Equifax. Unfortunately, the result was the same with my creditors unable to view my credit file. In disbelief of the situation at hand, I attempted to use the free annual credit report overseen by the US government, however I was unable to view my Equifax credit report. I find myself in a situation where I will be unable to apply for loans due my Equifax credit report being unavailable to creditors whom I apply with. I have exhausted my efforts to resolve this situation with Equifax and hope that this complaint will yield better results than I have had alone. Below is a list of dates, given to the best of my knowledge, in which the above described scenarios occurred : Scenario 1 XX/XX/XXXX - XX/XX/XXXX Requested Equifax freeze lift via online, resulted in online request unavailable Called Equifax to lift credit freeze XXXX XXXX was unable to view credit file ( application for construction loan ) Called Equifax to report problem, Equifax representative suggest XXXX to call the business customer service phone number XXXX XXXX called the Equifax business customer service with no resolution, XXXX had made an executive exception to allow me to apply for the construction loan without the Equifax credit report Scenario 2 XX/XX/XXXX Called Equifax to request credit lift between the dates of XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX was unable to view my credit file and instructed me to call the consumer validation line at Equifax at XXXX to verify all of the information I called the number to verify my information Equifax advised that the freeze lift was a global lift and any creditor could view my file, I relayed this information to XXXX 3. XX/XX/XXXX XXXX advised me that they required a pin number to view my file My response to XXXX was that a pin to open my credit file does not exist and advised XXXX to call the Equifax Business customer service Called Equifax fraud department XXXX to permanently remove the fraud alert Called Equifax to permanently remove credit freeze 4. XX/XX/XXXX XXXX reported back that my credit file with Equifax was still not obtainable 5. XXXX XXXX XXXX XXXX was also unsuccessful to view my Equifax credit file during the credit freeze lift period of XX/XX/XXXX XXXX XX/XX/XXXX During all customer service calls with Equifax I was successful at proving my identity by passing the four security questions.","date_sent_to_company":"2019-06-21T05:45:24.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"92570","tags":null,"has_narrative":true,"complaint_id":"3282797","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-21T05:35:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX was also unsuccessful to view my Equifax credit file during the credit <em>freeze</em> lift period of XX/XX/XXXX XXXX XX/XX/XXXX During all customer service calls with Equifax I was successful at proving my identity by passing the four <em>security</em> questions."]},"sort":[13.878368,"3282797"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":206,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":206}]}},"product":{"doc_count":206,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":91,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":85},{"key":"Other personal consumer report","doc_count":6}]}},{"key":"Checking or savings account","doc_count":34,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":32},{"key":"Other banking product or service","doc_count":1},{"key":"Savings account","doc_count":1}]}},{"key":"Credit reporting, credit repair 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