{"took":97,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":79,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"23131515","_score":30.396404,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX, I applied for an automobile loan with PenFed and received an email notification that I had been prequalified. On XX/XX/XXXX, I was advised to upload documents including an identification and social security card. I was also informed by a gentlemen in PenFed Security that I did not need to upload a utility bill because the address that appeared on my PenFed profile and the credit application were the same, and my address was last updated and had not changed since XXXX. This representative stated that he would make a note on the account stating this fact. I spoke with this gentlemen XX/XX/XXXX between XXXX XXXX and XXXX XXXX XXXX. I then uploaded the driver 's license and social security card multiple times. The first time I was informed that the documents were blurred and then I was told that the background could not be white. I then uploaded the documents again. This time, despite being told it was not necessary to upload the utility bill, I received an email from the XXXX XXXX, XXXX XXXX, stating \" In order for us to complete the verification of your address, please upload the most recent utility bill in full within the last XXXX days. Utility bill must show your name, physical services address, and that its a current utility. '' This is contrary to what I had been told by another representative earlier. I explained to the representative that I did not have a utility bill to upload. Subsequently, I received multiple emails requesting Driver 's License, utility bill dated within the past XXXX days, or current vehicle registration, current, non-expired U.S. government-issued ID, such as a driver 's license or passport, and Social Security Number . The Driver 's License and Social Security card were uploaded more than 9 times. Despite uploading these documents, and being advised that a utility bill was not needed, members of PenFed continued to request the same documents over and over again - to no end. Based on these series of events, I was prevented from moving forward with and participating in the loan process in a timely manner.","date_sent_to_company":"2026-06-11T22:06:53.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"23131515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2026-06-11T21:34:12.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with signing the paperwork"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I was advised to upload documents including an identification and social security card. I was also informed by a gentlemen in PenFed Security that I did not need to upload a utility bill because the address that appeared on my PenFed profile and the credit application were the same, and my address was last updated and had not changed since XXXX. This representative stated that he would make a note on the account stating this fact."]},"sort":[30.396404,"23131515"]},{"_index":"complaint-public-v1","_id":"6029322","_score":26.81961,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Lexisnexis will not placed a security freeze on my account after I attempted this online and upload a valid document. I sent a letter with a copy of my driver 's License, copy of utility bill and SSN. They still need more information from me. This issue been going on for the past 30 days.","date_sent_to_company":"2022-09-28T23:20:54.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"55904","tags":"Servicemember","has_narrative":true,"complaint_id":"6029322","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2022-09-28T23:05:13.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Lexisnexis will not placed a security freeze on my account after I attempted this online and upload a valid document. I sent a letter with a copy of my driver 's License, copy of utility bill and SSN. They still need more information from me. This issue been going on for the past 30 days."],"issue":["Problem with fraud alerts or security freezes"]},"sort":[26.81961,"6029322"]},{"_index":"complaint-public-v1","_id":"9767883","_score":26.517786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I call XXXX on XX/XX/year> Informed them that my credit report was not showing. They gave me a site and wish to upload my license, Social Security card and utility bill. I tried multiple times to upload it. This system is flawed. I called back they told me to send in the information. I sent the information on or around XX/XX/year>. I called back in to check to see if they received the information they did not. They need to fix their uploading system, which it asked you to put it in a XXXX format any photos or upload in XXXX format This is a stall tactic.","date_sent_to_company":"2024-08-12T18:01:17.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30296","tags":null,"has_narrative":true,"complaint_id":"9767883","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-12T18:01:16.000Z","state":"GA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["They gave me a site and wish to upload my license, Social Security card and utility bill. I tried multiple times to upload it. This system is flawed. I called back they told me to send in the information. I sent the information on or around XX/XX/year>. I called back in to check to see if they received the information they did not. They need to fix their uploading system, which it asked you to put it in a XXXX format any photos or upload in XXXX format This is a stall tactic."]},"sort":[26.517786,"9767883"]},{"_index":"complaint-public-v1","_id":"9775485","_score":26.480253,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I call Experian on XX/XX/year> Informed them that my credit report was not showing. They gave me a site and wish to upload my license, Social Security card and utility bill. I tried multiple times to upload it. This system is flawed. I called back they told me to send in the information. I sent the information on or around XX/XX/year>. I called back in to check to see if they received the information they did not. They need to fix their uploading system, which it asked you to put it in a XXXX format any photos or upload in XXXX format This is a stall tactic.","date_sent_to_company":"2024-08-12T18:01:03.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30296","tags":null,"has_narrative":true,"complaint_id":"9775485","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-12T17:47:16.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["They gave me a site and wish to upload my license, Social Security card and utility bill. I tried multiple times to upload it. This system is flawed. I called back they told me to send in the information. I sent the information on or around XX/XX/year>. I called back in to check to see if they received the information they did not. They need to fix their uploading system, which it asked you to put it in a XXXX format any photos or upload in XXXX format This is a stall tactic."]},"sort":[26.480253,"9775485"]},{"_index":"complaint-public-v1","_id":"5085697","_score":24.770178,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I certified mailed a notarized FTC Identity Theft Report to Experian. Along with a copy of my Drivers License, Social Security Card, a utility bill and a cover letter stating I was a victim of identity theft and to remove all fraudulent accounts, addresses and inquiries listed in the FTC Identity Theft Reports. USPS said that Experian received it on XXXX XXXX. I called Experian on XX/XX/XXXX I was told that some of the accounts were removed and others were being disputed with the creditors because my Identity theft report did not meet Experian 's criteria. And that I needed to send in another Identity theft report along with my Drivers License, a utility bill and cover letter. When I asked what was the reason why it didn't meet their criteria I was told they couldn't tell me. Because someone else may try to just not pay a debt and file an identity theft report to get out of paying nor having it report negative on their credit file. I was given the website address to upload the documents to of experian.com/upload. I kept getting an error message for hours as I was trying to upload the new documents. So I mailed the new documents they requested overnight delivery on XX/XX/XXXX. They have received them.","date_sent_to_company":"2022-01-08T23:38:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60619","tags":null,"has_narrative":true,"complaint_id":"5085697","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-01-08T23:08:15.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["And that I needed to send in another Identity theft report along with my Drivers License, a utility bill and cover letter. When I asked what was the reason why it didn't meet their criteria I was told they couldn't tell me. Because someone else may try to just not pay a debt and file an identity theft report to get out of paying nor having it report negative on their credit file. I was given the website address to upload the documents to of experian.com/upload."]},"sort":[24.770178,"5085697"]},{"_index":"complaint-public-v1","_id":"3265394","_score":23.260479,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a Citibank account online on XX/XX/2019. I received a debit card, and the checking account. I made two deposits in the account. Because i was told if i didnt, the account would automatically close in 30 days. To my knowledge my account was open. My employer sent me a XXXX transfer for {$2500.00} on XX/XX/2019. I called because although i saw the money, i couldnt transfer the money to my XXXX XXXX XXXX account. I was told that i had to upload my ID, social security card and utility bill. \n\nThe next day someone called me and said, everything was accepted except my utility bill. I explained to them, i have no utility bill, its in my roommates name.. and the building just sent out a letter saying that utilities starting in XXXX will be included in rent. They told me i could send in the utility bill thats in my roommates name, as long as the address matches the address on the account. I explained to them. Rent is due and i need to pay my rent. I also explained to them that a late fee will be applied. They said everything takes 5-10 business days. \nMy issue is if my account wasnt all of the way opened, or if any account is opened online.. where is a disclaimer saying that your account is not fully opened. And why take deposits until you gather everything you need to make the final decision. I plan on going to small claims court and suing for XXXX.. because this is absurd. No one has yet to help.. i have even contacted the ceo of Citibank, and no reply or call back XXXX","date_sent_to_company":"2019-06-05T20:37:01.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60605","tags":null,"has_narrative":true,"complaint_id":"3265394","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-06-05T20:22:10.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I was told that i had to upload my ID, social security card and utility bill. \n\nThe next day someone called me and said, everything was accepted except my utility bill. I explained to them, i have no utility bill, its in my roommates name.. and the building just sent out a letter saying that utilities starting in XXXX will be included in rent. They told me i could send in the utility bill thats in my roommates name, as long as the address matches the address on the account. I explained to them."]},"sort":[23.260479,"3265394"]},{"_index":"complaint-public-v1","_id":"11296860","_score":22.904926,"_source":{"product":"Prepaid card","complaint_what_happened":"Global Cashcard was acquired by Wisley and I was no longer able to access the card through the account I had set up on the GlobalCashCard website. When I called, customer support, since I didnt have some ID number they requested. They locked the funds on the card. They sent me a link to upload two pieces of identification, one being my valid drivers license and a secondary which was a utility bill. Then they said they needed a copy of my social security card too. They claim the link they sent was just general link and they wouldnt help me without the ss card ( and dont even have a copy of it ). I will not upload that to a random link they sent me, so they have locked my funds unless I send a w-2 instead. This is not a payroll card. It is for stipends from a local theater to reimburse parking when I volunteer there. \nHow can I force them to release the funds?","date_sent_to_company":"2025-01-13T20:46:05.000Z","issue":"Trouble using the card","sub_product":"Payroll card","zip_code":"80003","tags":null,"has_narrative":true,"complaint_id":"11296860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ADP Inc.","date_received":"2024-12-27T21:53:44.000Z","state":"CO","company_public_response":null,"sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["They sent me a link to upload two pieces of identification, one being my valid drivers license and a secondary which was a utility bill. Then they said they needed a copy of my social security card too. They claim the link they sent was just general link and they wouldnt help me without the ss card ( and dont even have a copy of it ). I will not upload that to a random link they sent me, so they have locked my funds unless I send a w-2 instead. This is not a payroll card."]},"sort":[22.904926,"11296860"]},{"_index":"complaint-public-v1","_id":"2864862","_score":22.310242,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I, XXXX XXXX, applied for a Pre-approved Credit Card and was approved for a Credit Card via XXXX for {$1000.00} Credit Line on XX/XX/XXXX. I received a credit card onXX/XX/XXXXand proceeded to activate my credit card via phone for purchases. The automated credit card services at XXXX ( XXXX ) indicated that my Credit Card Balance of {$1000.00} is available for purchase. I was later informed via email address ( XXXX ) that I needed to submit via uploading into their website additional verification information ; specifically copies : Social Security Card ; Recent Utility Bill, and Drivers License in order to gain access to my Credit Card Line of Credit. I proceeded to email and upload all requested documents on XX/XX/XXXX and XX/XX/XXXX.\n\nI called XXXX at XXXX to inquire about the status of receipt of my required identification documents and the customer service representative verified receipt of my Drivers License and XXXX XXXX XXXX Utility Bill and indicated that for some reason Card Services could not receive the emailed uploaded copy of my Social Security Card which was very concerning since Card Services received the Drivers License and XXXX XXXX XXXX Utility Bill from the identical email address : ( Support ) XXXX.\n\nI spoke with a Card Services Representative about their indication that my copy of my Social Security Card was not be received mysteriously and I re-emailed it at least 4 times ( between the dates XX/XX/XXXX and XX/XX/XXXX ) and 3 times while the Customer Service Representative was on the phone line around XXXX XXXX CST on XX/XX/XXXX. No plausible reason was provided as to why my Social Security Card was not received which is sensitive personal indentification information.\n\nOn XX/XX/XXXX, the Customer Service Representative did not provide an alternate email address for me to upload and email my Social Security Card in order for my Credit Line to be made available. I was simply told that my Credit Card will not be activated until XXXX receives a copy of my Social Security Card. I am extremely concerned that my personal identification information has been obtained for Fraudulent Reasons and never was intended to provide me a Credit Card Line of Credit. I requested to escalate my concerns to a Supervisor and was denied an opportunity to complain to a Supervisor or Member of Management for review.\n\nI had no other choice but to file a complaint with CFPB on XX/XX/XXXX to protect my personal identification information to avoid potential fraudulent activity with personal identification information submitted for XXXX Credit Card approval and usage.","date_sent_to_company":"2018-04-10T10:45:28.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"60440","tags":null,"has_narrative":true,"complaint_id":"2864862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LendUp Loans LLC","date_received":"2018-04-04T22:43:33.000Z","state":"IL","company_public_response":null,"sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["I was later informed via email address ( XXXX ) that I needed to submit via uploading into their website additional verification information ; specifically copies : Social Security Card ; Recent Utility Bill, and Drivers License in order to gain access to my Credit Card Line of Credit. I proceeded to email and upload all requested documents on XX/XX/XXXX and XX/XX/XXXX."]},"sort":[22.310242,"2864862"]},{"_index":"complaint-public-v1","_id":"3134179","_score":21.560389,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document Experian and XXXX have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, Experian stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have Experian be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. XXXX had removed a few but keeps putting them BACK on my report. XXXX removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.","date_sent_to_company":"2019-01-26T19:18:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33573","tags":"Servicemember","has_narrative":true,"complaint_id":"3134179","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-01-26T19:18:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document Experian and XXXX have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, Experian stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items."]},"sort":[21.560389,"3134179"]},{"_index":"complaint-public-v1","_id":"3134178","_score":21.560389,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and XXXX have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have XXXX be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. XXXX had removed a few but keeps putting them BACK on my report. XXXX removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.","date_sent_to_company":"2019-01-26T19:18:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33573","tags":"Servicemember","has_narrative":true,"complaint_id":"3134178","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2019-01-26T19:18:48.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and XXXX have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items."]},"sort":[21.560389,"3134178"]},{"_index":"complaint-public-v1","_id":"3134177","_score":21.560389,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and Equifax have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have XXXX be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. Equifax had removed a few but keeps putting them BACK on my report. XXXX removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.","date_sent_to_company":"2019-01-26T19:18:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33573","tags":"Servicemember","has_narrative":true,"complaint_id":"3134177","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-01-26T18:47:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and Equifax have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items."]},"sort":[21.560389,"3134177"]},{"_index":"complaint-public-v1","_id":"4729514","_score":20.803549,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am an American citizen and have lived outside the United States sine 2008 and have become aware my identity and personal information may have become compromised in the US. \n\nI have attempted to place a security freeze on my account and request a copy of my credit report by mailing Experian at XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX. I submitted my US Passport, proof of my address, a pay stub and a utility bill. I have attempted to phone them. \n\nThey have sent back a letter saying they need more information ( which they already have ) and have asked me to submit these documents by mail or online. When I upload it online is blocks the request repeatedly due to my IP address being outside the United States. \n\nI feel that because I live abroad I'm unable to take proper care of my credit profile and history.","date_sent_to_company":"2021-09-17T16:11:56.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4729514","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-09-17T15:59:59.000Z","state":null,"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 have attempted to place a security freeze on my account and request a copy of my credit report by mailing Experian at XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX. I submitted my US Passport, proof of my address, a pay stub and a utility bill. I have attempted to phone them. \n\nThey have sent back a letter saying they need more information ( which they already have ) and have asked me to submit these documents by mail or online."],"issue":["Problem with fraud alerts or security freezes"]},"sort":[20.803549,"4729514"]},{"_index":"complaint-public-v1","_id":"9064752","_score":20.530983,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been in a long battle with my landlord who was stealing my mail, and inevitably apparently stealing my identity in the process. After reporting the incident to the XXXX XXXX XXXX XXXX, Office of Inspector General, and XXXX Police Department I then alerted the credit bureaus of my change of address AND information that was incorrect on the report and needed to be blocked pursuant to 15 U.S. Code 1681c2.\n\nI attempted to upload the documents to Equifax but their online system gave an error that I wasnt eligible to upload documents. I then called their Consumer Relations department on XX/XX/2024 and spoke with a representative, XXXX, who recommended that I send in a cover letter, Proof of ID, Social Security Card, Bank Statement, and Utility Bill to change the address. I was also told to send an FTC Report as well as a Police Report to remove the fraudulent accounts. \n\nThese documents were sent at my expense- despite the fact that any other consumer could upload the documents for free - via XXXX Mail with Tracking XXXX and delivered XX/XX/2024 at XXXX. \n\nEquifax does not appear to be taking prompt action within the timeframes set for blocking of information. Additionally, despite removing OTHER items that were reported as XXXX by XXXX to them, they are not taking action to the items now that XXXX has deemed them all fraudulent and worthy of blocking under 15 U.S. Code 1681c2. \n\nXXXX continued incompetence in this matter is creating undue damages and financial hardship. \n\nAttachments included are all documents referenced in this narrative.","date_sent_to_company":"2024-05-21T18:03:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"18018","tags":"Servicemember","has_narrative":true,"complaint_id":"9064752","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-21T17:59:27.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I then called their Consumer Relations department on XX/XX/2024 and spoke with a representative, XXXX, who recommended that I send in a cover letter, Proof of ID, Social Security Card, Bank Statement, and Utility Bill to change the address. I was also told to send an FTC Report as well as a Police Report to remove the fraudulent accounts."]},"sort":[20.530983,"9064752"]},{"_index":"complaint-public-v1","_id":"2757790","_score":20.459217,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XXXX XXXX, I applied for a Barclaycard XXXX Credit Card with XXXX Rewards. Application # XXXX. This is a promotional, interest free program. \n\nBarclaycard sent me a letter which states \" We have reviewed your application and determined that additional information is needed before we can process your request. - Please send a copy of your Driver 's License/State ID, Social Security Card, and a current original utility bill or bank statement with your name and address. Please respond within 30 days of the date of this letter by sending in the requested documentation below. If we do not receive a response within 30 days we will be unable to give your application further consideration. '' I am already a Barclaycard customer, and have a XXXX XXXX XXXX XXXX XXXX card with the company. They have verified my address, they know my social security number, and I have my card statement coming to the exact same address as is listed on my application. \n\nI called the company on XXXX after receiving the letter and was told that this requirement will not be waived, that despite my already being a customer I need to either mail or fax the documents in ( I can not email them, in XXXX there is no way to securely upload them either as part of the application page. )","date_sent_to_company":"2017-12-17T18:23:21.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"12047","tags":null,"has_narrative":true,"complaint_id":"2757790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2017-12-17T18:11:02.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["Barclaycard sent me a letter which states \" We have reviewed your application and determined that additional information is needed before we can process your request. - Please send a copy of your Driver 's License/State ID, Social Security Card, and a current original utility bill or bank statement with your name and address. Please respond within 30 days of the date of this letter by sending in the requested documentation below."]},"sort":[20.459217,"2757790"]},{"_index":"complaint-public-v1","_id":"12971343","_score":20.40882,"_source":{"product":"Credit card","complaint_what_happened":"My complaint is specific to the outdated and insecure practices used by Target and their XXXX XXXX XXXX. \n\nA few weeks ago, I attempted to make a large purchase on an online XXXX XXXX ( XXXX ). One purchase was successful, but when I tried to make a second purchase, it was declined. I called Targets service team, and they stated there was a hold due to potential fraud, but they released it during the call. \n\nOver the next few days, however, any transaction I attempted was still declined. I called Targets service department multiple times over several days and received different responses. I was told at different points that the hold was released, transferred to different departments where calls disconnected, and finally informed that my account needed to be re-validated.\n\nTarget required me to submit front and back copies of my ID, my Social Security card, and a utility bill or pay stub to verify my identity. The only options provided were faxing the documents or physically mailing them to their address.\n\nWhen I escalated the issue and asked for more secure alternatives, I was treated rudely. Despite one supervisor mentioning that a secure document upload might be possible, I was told no other options were available.\n\nI do not have a fax machine, and I find faxing or mailing sensitive information extremely insecure and outdated. There was no offer of a secure online portal, encrypted email, or app-based upload option.\n\nI am extremely concerned about the safety of my personal information, especially my Social Security card and ID, being sent through these unsecured methods. I believe Targets RedCard verification process is outdated, unsafe, and unnecessarily puts consumers at risk of identity theft.\n\nRequested resolution : I am asking Target to offer a secure, encrypted document upload option for identity verification and to improve their customer service handling of sensitive matters like account validation.","date_sent_to_company":"2025-04-14T16:02:53.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"799XX","tags":null,"has_narrative":true,"complaint_id":"12971343","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-04-14T15:48:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I was told at different points that the hold was released, transferred to different departments where calls disconnected, and finally informed that my account needed to be re-validated.\n\nTarget required me to submit front and back copies of my ID, my Social Security card, and a utility bill or pay stub to verify my identity. The only options provided were faxing the documents or physically mailing them to their address."]},"sort":[20.40882,"12971343"]},{"_index":"complaint-public-v1","_id":"5136946","_score":20.192095,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2022 at XXXX XXXX XXXX, I received email that there was suspicious activity on my daughter 's authorized user card. At same time my daughter messaged me that credit card was declined. I called number in email and was told my card had been restricted. I asked why and was basically told that the agent didn't know but that I needed to upload copies of my driver 's license, proof of residence ( like a utility bill ) and my social security card before they could give me any information. I upload 2 of the 3 but can not find my XXXX XXXX XXXX social security card. I applied for replacement card from US Gov't but that takes XXXX weeks. I called again and escalated to manager who basically told me he doesn't know why my account is restricted and won't be able to until XXXX days after all info is uploaded. In the meantime, my daughter had a rental car with a pre-approved charge that was declined when she returned the car even though CapitalOne had already approved it ( and I have an email to prove that ). So my account waits in limbo -- can't be used and is neither open nor closed. And the most frustrating part is that they won't tell me why. AREN'T THEY REQUIRED TO TELL ME WHY WHEN THEY FREEZE MY CREDIT CARD? I googled \" capital one restricted credit card account '' and apparently this is fairly common. I think they should accept alternative to social security card. I offered to upload a W-2 with my number and they said \" no ''. Again, I can't help fix this problem if I don't know why and I have no idea why they need an electronic copy of my social security card. This is having serious consequences for my daughter who is going to school in XXXX and can not leave due to covid. She uses this card for her expenses and is now borrowing money from friends until I can find alternative credit card. BTW... .my credit is excellent and CapitalOne in the last month issued me a new Venture-X card with a $ XXXX credit limit, but has frozen my oldest card with them.","date_sent_to_company":"2022-01-21T20:38:11.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"95125","tags":null,"has_narrative":true,"complaint_id":"5136946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-01-21T20:19:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I asked why and was basically told that the agent didn't know but that I needed to upload copies of my driver 's license, proof of residence ( like a utility bill ) and my social security card before they could give me any information. I upload 2 of the 3 but can not find my XXXX XXXX XXXX social security card. I applied for replacement card from US Gov't but that takes XXXX weeks."]},"sort":[20.192095,"5136946"]},{"_index":"complaint-public-v1","_id":"8688140","_score":20.189053,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I signed up for a PayPal business account, and the signup process went very smoothly. However, once the processing was complete, I received a notification as part of the CIP program stating that I needed to get my identification approved in order to start using my account. \n\nI made several attempts to upload the required documents from my end, but despite my efforts, I couldn't find a solution. I called support and explained the entire situation so that my issue could be resolved promptly. \n\nThe limitations department informed me that I needed to send them my PHOTO ID, Social Security Proof, and Utility Bill so they could fully verify me and onboard me properly. \n\nUnfortunately, after checking my email today, I was deeply saddened to find out that instead of approving my account, it was permanently restricted for no apparent reason. If my information isn't being verified, then what's my fault in this? \n\nI kindly request the management to manually and properly review the relevant documentation I submitted and make the decision that is best for my account. \n\nI'll be waiting for your positive response!","date_sent_to_company":"2024-04-03T21:05:06.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8688140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-04-03T20:56:14.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The limitations department informed me that I needed to send them my PHOTO ID, Social Security Proof, and Utility Bill so they could fully verify me and onboard me properly. \n\nUnfortunately, after checking my email today, I was deeply saddened to find out that instead of approving my account, it was permanently restricted for no apparent reason. If my information isn't being verified, then what's my fault in this?"]},"sort":[20.189053,"8688140"]},{"_index":"complaint-public-v1","_id":"7419837","_score":20.05879,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XX/XX/2023, I was approved for a Chase United Club credit card, and paid an annual fee of {$500.00}. I used the card for several months. In XXXX, XXXX, Chase sent me a letter asking for a copy of my social security card. I called to see if they had a secure portal to upload it, and the rep said no, so I mailed a copy of my social security card. \n\nIn XXXX, XXXX, I received a letter from Chase that I needed to provide a copy of proof of my address and my social security card. \n\nI called them and told them I sent them my social security card in XXXX. The service rep said they saw in the system that Chase had received it. She sent me a secure portal to upload my address proof. I uploaded a copy of my utility bill to prove I live here. \n\nShortly after, I received a note that they were closing my account. I called Chase and told them they should have everything, and the security rep advised that he can't access the copy of the social security card because it was sent in XXXX, and they need another copy. After talking to multiple people, I spoke to a supervisor, who understood that I have sent everything that was asked for. I told him I can't keep sending documents only to find that Chase needs something else, and they can't/wo n't look at documents previously sent. Since I have been unable to use my card ( since my account was closed, even though I sent all the documents ) I asked for my {$500.00} annual fee to be returned. I just received a letter from Chase rejecting my request for a refund. So Chase opened an account, took my fee, then closed the account even though I met all their conditions. \n\n\n\nAs an aside, I have been a XXXX year customer of Chase. I have had Chase checking accounts, savings accounts, mortgages and credit cards. Chase has had my social security number for all those years, but now Chase claims they can't verify it, even with recent evidence I sent in XXXX.","date_sent_to_company":"2023-08-18T21:33:26.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"496XX","tags":"Older American","has_narrative":true,"complaint_id":"7419837","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-08-18T20:52:36.000Z","state":"MI","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["She sent me a secure portal to upload my address proof. I uploaded a copy of my utility bill to prove I live here. \n\nShortly after, I received a note that they were closing my account. I called Chase and told them they should have everything, and the security rep advised that he can't access the copy of the social security card because it was sent in XXXX, and they need another copy."]},"sort":[20.05879,"7419837"]},{"_index":"complaint-public-v1","_id":"3612225","_score":20.039951,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The name on my Equifax credit report is incorrect. \n\nI submitted a dispute on XX/XX/2020 for the incorrect name and incorrect addresses. The tool to upload documents did not work, so I contacted Equifax via email about this problem, attaching a screenshot of the error and a utility bill as supporting documentation of the incorrect name and addresses. The addresses were removed but the name was not. \n\nI submitted another dispute on XX/XX/2020. This time the upload tool did work and I included my license. It was not corrected. \n\nI contacted Equifax by phone on XX/XX/2020 and was told by \" XXXX '' ( I think, his accent made him very difficult to understand ) that I needed to provide supporting documentation. I explained that I had included my license. He said to create a new dispute with a cover letter including contact information, image of my license, and image of a document showing my Social Security number. He confirmed that a XXXX was acceptable. I submitted the new dispute on that day. There was a cover letter stating the issue and including my contact information ( address and phone ), a picture of my license, and a copy of a XXXX that showed my XXXX. \n\nThe name on my report was still not corrected. I submitted another dispute of the name on XX/XX/2020, again including an image of my license and XXXX. The name has still not been corrected.","date_sent_to_company":"2020-04-18T13:43:37.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"12309","tags":null,"has_narrative":true,"complaint_id":"3612225","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-04-18T13:24:10.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The tool to upload documents did not work, so I contacted Equifax via email about this problem, attaching a screenshot of the error and a utility bill as supporting documentation of the incorrect name and addresses. The addresses were removed but the name was not. \n\nI submitted another dispute on XX/XX/2020. This time the upload tool did work and I included my license. It was not corrected."]},"sort":[20.039951,"3612225"]},{"_index":"complaint-public-v1","_id":"3374266","_score":19.592293,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Credit Karma has locked me out and to be able to access my account, this was the email they sent. I have 3 emails. I changed phones and went to sign in the app and it wouldn't let me. I contacted Credit Karma. They sent this to me in another email as well. I did not give this info to sign up and dont think its appropriate to send it to them considering its very personal info that could be used to steal my identity. \nXXXX XXXX Credit Karma Member Support, XX/XX/XXXX, XXXX XXXX PDT : Hi XXXX, Thank you for your response. To help you, I need to verify your identity. You can securely upload your identity verification documents using the link at the bottom of this message. \n\nTwo different forms of identification are required - either two primary or one primary and one secondary document.\n\nI can only accept documents that are current and valid, not expired.\n\nPlease make sure that all four corners of your documents are visible when you take the photos. ** Primary documents include : Drivers License or State ID Passport Permanent Resident Card ( Green Card ) Military ID ( requires front and back ) Secondary documents include : Another document from the primary list Birth Certificate Social Security Card ( can't be laminated ) Full Utility Bill such as gas, water, electric or internet.\n\nYour service at address must match whats on file with XXXX or XXXX. We can not accept credit card or banking statements or a cell phone bill.\n\nFor your security, please do not send your documents as email attachments.You can upload images of your identity verification document ( s ) here : XXXX XXXX XXXX I'll send you an email as soon as I review your documents. \n\nThanks Credit Karma Member Support","date_sent_to_company":"2019-09-19T11:27:29.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"654XX","tags":null,"has_narrative":true,"complaint_id":"3374266","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2019-09-14T11:44:55.000Z","state":"MO","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":[". ** Primary documents include : Drivers License or State ID Passport Permanent Resident Card ( Green Card ) Military ID ( requires front and back ) Secondary documents include : Another document from the primary list Birth Certificate Social Security Card ( can't be laminated ) Full Utility Bill such as gas, water, electric or internet.\n\nYour service at address must match whats on file with XXXX or XXXX. We can not accept credit card or banking statements or a cell phone bill."]},"sort":[19.592293,"3374266"]},{"_index":"complaint-public-v1","_id":"10987399","_score":19.436852,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of XXXX XXXX. I mailed in the packet on XX/XX/year> Priority mail along with obtaining a receipt and XXXX number ( XXXX XXXX ). Two months have gone by and no word from Experian. The negative data furnishings are still being reported. I decided to call the XXXX XXXX hotline for Experian at XXXX and they suggested I upload those documents online because they claimed that they never received the packet. I then went and got new documents with current date and signatures then uploaded and submitted my attestation letter notarized along with proof of the non-governmental organization ( NGO ) certification, Internal Revenue Services ( IRS ) nonprofit documents EIN letter, Derogatory items that are requested to be blocked from the data furnishing reports and the NGO 's contact information. I also included a current utility bill, copy of my social security card and identification ( ID ). Experian has denied my claim without following through with my request to block the derogatory data furnishings without reasonable explanation. I enclosed all the correct documentation that was needed in this process.","date_sent_to_company":"2024-12-01T22:23:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85226","tags":null,"has_narrative":true,"complaint_id":"10987399","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-01T21:59:40.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I also included a current utility bill, copy of my social security card and identification ( ID ). Experian has denied my claim without following through with my request to block the derogatory data furnishings without reasonable explanation. I enclosed all the correct documentation that was needed in this process."]},"sort":[19.436852,"10987399"]},{"_index":"complaint-public-v1","_id":"10985951","_score":19.426281,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of XXXX XXXX. I mailed in the packet on XX/XX/2024 Priority Express mail along with obtaining a receipt and tracking number ( XXXX XXXX ). Two months have gone by and no word from Equifax. The negative data furnishings are still being reported. I decided to call the XXXX XXXX hotline for Equifax at XXXX and they suggested I upload those documents online because they claimed that they never received the packet. I then went and got new documents with current date and signatures then uploaded and submitted my attestation letter notarized along with proof of the non-governmental organization ( NGO ) certification, Internal Revenue Services ( IRS ) nonprofit documents EIN letter, Derogatory items that are requested to be blocked from the data furnishing reports and the NGO 's contact information. I also included a current utility bill, copy of my social security card and identification ( ID ). Equifax has denied my claim without following through with my request to block the derogatory data furnishings without reasonable explanation. I enclosed all the correct documentation that was needed in this process.","date_sent_to_company":"2024-12-01T21:55:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85226","tags":null,"has_narrative":true,"complaint_id":"10985951","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-01T21:42:08.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I also included a current utility bill, copy of my social security card and identification ( ID ). Equifax has denied my claim without following through with my request to block the derogatory data furnishings without reasonable explanation. I enclosed all the correct documentation that was needed in this process."]},"sort":[19.426281,"10985951"]},{"_index":"complaint-public-v1","_id":"13425140","_score":19.405474,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian has refused to provide to me the credit file management tool they said anyone could have. In XX/XX/XXXX, I froze my credit files with XXXX credit reporting agencies, knowing that I could quickly and easily remove a freeze by logging into my account online. Experians Web site says, You can freeze and unfreeze your Experian credit file in real time using our online service. You no longer need a PIN to manage your credit freeze with Experian. All you need is a free Experian account to manage your freeze. However, I was unable to create online account access with Experian. Before I was even given security questions to answer, the Web site said it couldnt verify my identity and rejected my attempt at account creation. Rejection screen said I could fix this by uploading an identity document and proof of address. I uploaded a XXXX of my passport and a utility bill, and the screen said my upload was successful but nothing happened after that. Repeated attempts to log in have failed. Repeated attempts to speak to a human being on the phone have failed. Have mailed XXXX letters to their XXXX XXXX department requesting assistance, on XX/XX/XXXX and XX/XX/XXXX, but received no response.","date_sent_to_company":"2025-05-09T16:54:50.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"94903","tags":"Older American","has_narrative":true,"complaint_id":"13425140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-09T16:32:16.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I uploaded a XXXX of my passport and a utility bill, and the screen said my upload was successful but nothing happened after that. Repeated attempts to log in have failed. Repeated attempts to speak to a human being on the phone have failed. Have mailed XXXX letters to their XXXX XXXX department requesting assistance, on XX/XX/XXXX and XX/XX/XXXX, but received no response."],"issue":["Problem with fraud alerts or security freezes"]},"sort":[19.405474,"13425140"]},{"_index":"complaint-public-v1","_id":"9065270","_score":19.210394,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been in a long battle with my XXXX who was stealing my mail, and inevitably apparently stealing my identity in the process. After reporting the incident to the US Postal XXXX XXXX, Office of Inspector General, and XXXX Police Department I then alerted the credit bureaus of my change of address AND information that was incorrect on the report and needed to be blocked pursuant to 15 U.S. Code 1681c2. \n\nI attempted to upload the documents to TransUnion but their online system gave a generic error that I wasnt eligible to upload documents. I then called their Consumer Relations department on XX/XX/2024 and spoke with representative who insisted that I send in a cover letter, Proof of ID, Social Security Card, Bank Statement, and Utility Bill to change the address. I was also told to send an FTC Report as well as Police Report in order to remove the fraudulent accounts. \n\nThese documents were sent at my expense- despite the fact that any other consumer could upload the documents for free - via Priority Mail with Tracking XXXX and delivered XX/XX/2024 at XXXX. On XX/XX/2024 at XXXX a secure email came from TransUnion telling me the documents were unacceptable and to send the same documents I already sent. On XX/XX/2024 I contacted Consumer Relations again and spoke to a supervisor, XXXX, to inquire as to what was incorrect with these documents AND why the items were not blocked per federal law. XXXX proceeded to tell me that I didnt know the law and TransUnion had its own policies. When I forced him to review the documents he proceeded to make up excuses including that the official Pennsylvania Department of Transportation Change of Address card wasnt sufficient as ID along side my actual printed ID ( its worth noting TransUnion is a Pennsylvania based entity, not that Id expect their call centers in XXXX to understand American or even Pennsylvania XXXX ), that because my utility bill noted Floor 1 it couldve been deemed unacceptable, and that they sent their reason for NOT blocking the information to my OLD address which is clearly noted in the police report as where mail was being stolen for quite some time. \n\nXXXX was rude and combative and I finally disconnected the call because it was clear that my legal rights were violated and action should be taken against TransUnion LLC. Shortly after the call I received an email from XXXX showing me that they had taken the position to block and delete all the same referenced accounts as fraudulent. \n\nAttachments included are all documents referenced in this narrative.","date_sent_to_company":"2024-05-21T17:19:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"18018","tags":"Servicemember","has_narrative":true,"complaint_id":"9065270","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-21T17:14:26.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I then called their Consumer Relations department on XX/XX/2024 and spoke with representative who insisted that I send in a cover letter, Proof of ID, Social Security Card, Bank Statement, and Utility Bill to change the address. I was also told to send an FTC Report as well as Police Report in order to remove the fraudulent accounts."]},"sort":[19.210394,"9065270"]},{"_index":"complaint-public-v1","_id":"3012214","_score":19.068611,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I just spent 2 and a half attempts on Equifax 's direct dispute website attempting to upload documents and directly dispute an account that is being reported on my credit report that is false, mixed and belongs to someone else. I am so frustrated because I got an ERROR twice when I finally go to the end of my disputes and then I attempted to do it for a third time and they lied and said my information was wrong and I no longer could do anything anymore. I feel as though Equifax is deliberately ignoring me. they keep asking me for NEW information that I CAN NOT give the because the account I have been disputing is fraud an not mine. I do not hold an XXXX account I have a XXXX account under my address and I finally I understand that someone is using my social and identity with a different utility company. something is very off and Equifax doesn't care ... .HOW is this account a charge off/bad debt when it is a utility bill? it is not an extension of credit why does it look like a credit card? \n\nI put in this complaint the error notices and I need the CFPB to know I had tp answer the security questions 3 times! I had to start over three times before I gave up. Also, I noticed that Equifax is allowing this company to keep reporting new false and negative info even after it is claimed this account is 'charged off ' 'closed '. this is the most unbelievable situation ever. please reference back my complaints which started in XX/XX/XXXX","date_sent_to_company":"2018-09-06T19:59:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90036","tags":null,"has_narrative":true,"complaint_id":"3012214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-09-06T19:35:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I do not hold an XXXX account I have a XXXX account under my address and I finally I understand that someone is using my social and identity with a different utility company. something is very off and Equifax doesn't care ... .HOW is this account a charge off/bad debt when it is a utility bill? it is not an extension of credit why does it look like a credit card? \n\nI put in this complaint the error notices and I need the CFPB to know I had tp answer the security questions 3 times!"]},"sort":[19.068611,"3012214"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":79,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":79}]}},"product":{"doc_count":79,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":19},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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