{"took":101,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1406,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18319585","_score":17.747543,"_source":{"product":"Debt collection","complaint_what_happened":"A guy came to my door and sold me a home security system. It was monthly payments. A month after getting the home security system, I got a bill from a bank in MO. for almost XXXX. They told me that the home security place opened a credit card in my name for XXXX. I immediately called the home security company and told them NO way she canceled everything. They refused to let me cancel and they called for years and told them that I would see them in court because that was not part of the deal. XXXX, I think it's the creditor. I can't remember the name of the home security company. But they are from Florida... \n\nI need help. I did not open this account.","date_sent_to_company":"2026-01-12T22:20:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"74136","tags":null,"has_narrative":true,"complaint_id":"18319585","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2025-12-27T17:38:35.000Z","state":"OK","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["A guy came to my door and sold me a <em>home</em> <em>security</em> system. It was monthly payments. A month after getting the <em>home</em> <em>security</em> system, I got a bill from a bank in MO. for almost XXXX. They told me that the <em>home</em> <em>security</em> place <em>opened</em> a <em>credit</em> <em>card</em> in my name for XXXX. I immediately called the <em>home</em> <em>security</em> company and told them NO way she canceled everything. They refused to let me cancel and they called for years and told them that I would see them in court because that was not part of the deal."]},"sort":[17.747543,"18319585"]},{"_index":"complaint-public-v1","_id":"9840884","_score":17.606237,"_source":{"product":"Credit card","complaint_what_happened":"I tried to open a credit card in Home Depot, but when I used my Social Security number another persons name and address showed up and it was not my information. Someone had used my Social Security number without my consent to open a credit card.","date_sent_to_company":"2024-08-18T15:49:49.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"07501","tags":null,"has_narrative":true,"complaint_id":"9840884","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-18T15:44:49.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["I tried to <em>open</em> a <em>credit</em> <em>card</em> in <em>Home</em> Depot, but when I used my Social <em>Security</em> number another persons name and address showed up and it was not my information. Someone had used my Social <em>Security</em> number without my consent to <em>open</em> a <em>credit</em> <em>card</em>."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Card</em> <em>opened</em> without my consent or knowledge"]},"sort":[17.606237,"9840884"]},{"_index":"complaint-public-v1","_id":"10450418","_score":16.813913,"_source":{"product":"Debt collection","complaint_what_happened":"Someone open up a home Depot credit card account in my name using my social security don't know how they did it then messed up my credit try reach out to home Depot no answer.","date_sent_to_company":"2024-10-14T17:44:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"21206","tags":null,"has_narrative":true,"complaint_id":"10450418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-10-14T17:29:41.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Someone <em>open</em> up a <em>home</em> Depot <em>credit</em> <em>card</em> account in my name using my social <em>security</em> don't know how they did it then messed up my <em>credit</em> try reach out to <em>home</em> Depot no answer."],"sub_product":["<em>Credit</em> <em>card</em> debt"]},"sort":[16.813913,"10450418"]},{"_index":"complaint-public-v1","_id":"9898475","_score":16.614546,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, a Capital One QuickSilver credit card was opened in my name. I did not open this account. Whoever opened the credit card apparently knew my social security number and home address. \n\nWhen I discovered the credit card opening, I called Capital One on XX/XX/XXXX to close my account, and they redirected me to this page to file my complaint.","date_sent_to_company":"2024-08-24T00:45:10.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"20002","tags":null,"has_narrative":true,"complaint_id":"9898475","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-08-24T00:33:54.000Z","state":"DC","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, a Capital One QuickSilver <em>credit</em> <em>card</em> was <em>opened</em> in my name. I did not <em>open</em> this account. Whoever <em>opened</em> the <em>credit</em> <em>card</em> apparently knew my social <em>security</em> number and <em>home</em> address. \n\nWhen I discovered the <em>credit</em> <em>card</em> opening, I called Capital One on XX/XX/XXXX to close my account, and they redirected me to this page to file my complaint."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> <em>opened</em> without my consent or knowledge"]},"sort":[16.614546,"9898475"]},{"_index":"complaint-public-v1","_id":"7808249","_score":16.417791,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There is an individual using my social security number to open credit card account and other lines of credits in TJX type of stores and also people changing my home address in my social security. I have notified the credit bureaus, but they have not done their part on freezing my credit.","date_sent_to_company":"2023-11-06T16:53:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93103","tags":null,"has_narrative":true,"complaint_id":"7808249","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-11-06T16:41:00.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["There is an individual using my social <em>security</em> number to <em>open</em> <em>credit</em> <em>card</em> account and other lines of <em>credits</em> in TJX type of stores and also people changing my <em>home</em> address in my social <em>security</em>. I have notified the <em>credit</em> bureaus, but they have not done their part on freezing my <em>credit</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[16.417791,"7808249"]},{"_index":"complaint-public-v1","_id":"2846121","_score":16.38552,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX XXXX was using my social security number opened a credit card at Home Depot ( last fouXXXX digits of account : XXXX ) on XX/XX/18. The information was given to me at Home Depot in XXXX, Fl by a Home Depot Manager. Home Depot : XXXX XXXX XXXX XXXX, XXXX, FL XXXX-Phone Number : XXXX","date_sent_to_company":"2018-03-17T14:44:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"23453","tags":null,"has_narrative":true,"complaint_id":"2846121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-03-17T13:58:53.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX XXXX was using my social <em>security</em> number <em>opened</em> a <em>credit</em> <em>card</em> at <em>Home</em> Depot ( last fouXXXX digits of account : XXXX ) on XX/XX/18. The information was given to me at <em>Home</em> Depot in XXXX, Fl by a <em>Home</em> Depot Manager. <em>Home</em> Depot : XXXX XXXX XXXX XXXX, XXXX, FL XXXX-Phone Number : XXXX"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[16.38552,"2846121"]},{"_index":"complaint-public-v1","_id":"11190275","_score":16.167377,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, the company XXXXoot Barn opened a credit card in my name without my knowledge. The store had me put in my social security number for what I was told was a XXXX XXXX XXXX but when I got home the manager of the store called me to inform me that they had opened up a credit card in my name on accident.","date_sent_to_company":"2024-12-17T21:52:04.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"109XX","tags":null,"has_narrative":true,"complaint_id":"11190275","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2024-12-17T21:47:25.000Z","state":"NY","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["On XX/XX/year>, the company XXXXoot Barn <em>opened</em> a <em>credit</em> <em>card</em> in my name without my knowledge. The store had me put in my social <em>security</em> number for what I was told was a XXXX XXXX XXXX but when I got <em>home</em> the manager of the store called me to inform me that they had <em>opened</em> up a <em>credit</em> <em>card</em> in my name on accident."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Card</em> <em>opened</em> without my consent or knowledge"]},"sort":[16.167377,"11190275"]},{"_index":"complaint-public-v1","_id":"11199681","_score":16.070704,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year> the company XXXX XXXX opened a credit card on my behalf which was an error. They originally told me they were giving me a first responder discount and that I needed to put in my social security number to verify and after I had gotten home the manger of the store called me to tell me that they accidentally opened a credit card under my name. I do not want this credit card and would like to dispute this.","date_sent_to_company":"2024-12-18T16:44:04.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"109XX","tags":null,"has_narrative":true,"complaint_id":"11199681","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2024-12-17T21:24:37.000Z","state":"NY","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["On XX/XX/year> the company XXXX XXXX <em>opened</em> a <em>credit</em> <em>card</em> on my behalf which was an error. They originally told me they were giving me a first responder discount and that I needed to put in my social <em>security</em> number to verify and after I had gotten <em>home</em> the manger of the store called me to tell me that they accidentally <em>opened</em> a <em>credit</em> <em>card</em> under my name. I do not want this <em>credit</em> <em>card</em> and would like to dispute this."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[16.070704,"11199681"]},{"_index":"complaint-public-v1","_id":"15927725","_score":15.892509,"_source":{"product":"Credit card","complaint_what_happened":"My identity was stolen in XXXX I was locked up for XXXX I came home in XXXX and seen a credit card or debit card was opened in my name it was opened XX/XX/XXXX I filed for fraud for XXXX XXXXXXXX XXXX somehow cant log into Experian its says my credentials isnt valid and I called but I cant get in because I dont know the security questions the scammer made can you please close this card account.","date_sent_to_company":"2025-09-14T21:57:06.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"08638","tags":null,"has_narrative":true,"complaint_id":"15927725","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-14T21:26:23.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["My identity was stolen in XXXX I was locked up for XXXX I came <em>home</em> in XXXX and seen a <em>credit</em> <em>card</em> or debit <em>card</em> was <em>opened</em> in my name it was <em>opened</em> XX/XX/XXXX I filed for fraud for XXXX XXXXXXXX XXXX somehow cant log into Experian its says my credentials isnt valid and I called but I cant get in because I dont know the <em>security</em> questions the scammer made can you please close this <em>card</em> account."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> <em>opened</em> without my consent or knowledge"]},"sort":[15.892509,"15927725"]},{"_index":"complaint-public-v1","_id":"5906240","_score":15.876787,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"An account was setup fraudulently online with Citibank for a Home Depot XXXX credit card using my stolen personal information. This was done while I was out of the country in early XXXX. I have had the account closed and its being investigated by Citibank but when I spoke to their security people today and asked how Citibank would open an account from an online application without speaking to me the security person reported that they once to call me at my home number but when they couldn't reach me the went ahead and opened the account without confirming with me. I asked if this is Citibank normal process and he said no but with the shortage of employees they apparently cut corners and opened the account. When I returned on XX/XX/12 and saw the credit card in my mail, I tried to call them that weekend, but their customer service center is not open on the weekends so on Saturday the XXXX I went to a XXXX  store and reported the fraud, and they closed the account. I called the Citibank CS number on Monday to confirm and filed a police report that day. I also froze my credit reports at all three credit agencies. I think Citibank was negligent and needs to be investigated by the regulators for lack of proper security to protect consumers information and disciplined for what they are doing.","date_sent_to_company":"2022-08-22T16:23:16.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"40223","tags":"Older American","has_narrative":true,"complaint_id":"5906240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-08-22T15:50:08.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["An account was setup fraudulently online with Citibank for a <em>Home</em> Depot XXXX <em>credit</em> <em>card</em> using my stolen personal information. This was done while I was out of the country in early XXXX."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[15.876787,"5906240"]},{"_index":"complaint-public-v1","_id":"17362748","_score":15.86231,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2025 I got a text asking me to register to access a new Home Depot Consumer Credit Card. I did NOT every apply for such a card, so I responded STOP. Yesterday, XX/XX/XXXX, I got a bill in the mail from Home Depot saying there was a charge of {$650.00} on a Home Depot credit card that was opened up under my name with an account ending with the number XXXX. I called Home Depot, told them I NEVER opened up an account, and they said they would cancel the debt and begin their own internal investigation. They would send me information about that investigation in the mail. I also ran a credit check with XXXX. XXXX  shoed the same charge that was made to a credit card THD/CBNA with an account number XXXX. An address XXXX XXXX XXXXXXXX, XXXX XXXX SD XXXX and a phone number XXXX is listed with account. I tried to call them, but they wanted me to type in my full social security number to get information and I declined. I filed a Fraud Alert with XXXX.","date_sent_to_company":"2025-11-19T20:33:51.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"63114","tags":null,"has_narrative":true,"complaint_id":"17362748","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-11-19T20:11:21.000Z","state":"MO","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":["On XX/XX/2025 I got a text asking me to register to access a new <em>Home</em> Depot Consumer <em>Credit</em> <em>Card</em>. I did NOT every apply for such a <em>card</em>, so I responded STOP. Yesterday, XX/XX/XXXX, I got a bill in the mail from <em>Home</em> Depot saying there was a charge of {$650.00} on a <em>Home</em> Depot <em>credit</em> <em>card</em> that was <em>opened</em> up under my name with an account ending with the number XXXX."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Card</em> <em>opened</em> without my consent or knowledge"]},"sort":[15.86231,"17362748"]},{"_index":"complaint-public-v1","_id":"2126746","_score":15.725015,"_source":{"product":"Credit card","complaint_what_happened":"I had a Security system placed in y home 5 years ago with XXXX XXXX security. I told sales rep I was not wanting a Credit card he was trying to sell. He told me that fine, however sign her for alarm system. Apparently a Credit Card with a limit of {$7500.00} was opened under my name with Wells Fargo. I never used it and it still shows on my Credit Report. I think XXXX XXXX XXXX should also be looked at for opening fraudulent credit cards.","date_sent_to_company":"2016-09-22T13:25:15.000Z","issue":"Identity theft / Fraud / Embezzlement","sub_product":null,"zip_code":"32303","tags":null,"has_narrative":true,"complaint_id":"2126746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2016-09-22T13:25:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I had a <em>Security</em> system placed in y <em>home</em> 5 years ago with XXXX XXXX <em>security</em>. I told sales rep I was not wanting a <em>Credit</em> <em>card</em> he was trying to sell. He told me that fine, however sign her for alarm system. Apparently a <em>Credit</em> <em>Card</em> with a limit of {$7500.00} was <em>opened</em> under my name with Wells Fargo. I never used it and it still shows on my <em>Credit</em> Report. I think XXXX XXXX XXXX should also be looked at for opening fraudulent <em>credit</em> cards."],"product":["<em>Credit</em> <em>card</em>"]},"sort":[15.725015,"2126746"]},{"_index":"complaint-public-v1","_id":"7763680","_score":15.713618,"_source":{"product":"Credit card","complaint_what_happened":"I am a victim of fraud. My ex-husband and his mistress used my name and social security number to open accounts in my name. I was separated from my husband since XXXX forced out my home. I had to get legal help to gain entry back in my home. A judge ordered my ex-husband to surrender my home on XX/XX/XXXX. As I returned back to my home, I noticed mail in my name regarding credit card accounts my ex-husband opened without my knowledge. The credit company who purchased my account never checked to see if the accounts were opened with my acknowledgement. Lawsuits were filed against me by Midland credit management, how I gained knowledge of accounts.","date_sent_to_company":"2023-10-26T23:18:14.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"46835","tags":null,"has_narrative":true,"complaint_id":"7763680","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2023-10-26T22:48:41.000Z","state":"IN","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["My ex-husband and his mistress used my name and social <em>security</em> number to <em>open</em> accounts in my name. I was separated from my husband since XXXX forced out my <em>home</em>. I had to get legal help to gain entry back in my <em>home</em>. A judge ordered my ex-husband to surrender my <em>home</em> on XX/XX/XXXX. As I returned back to my <em>home</em>, I noticed mail in my name regarding <em>credit</em> <em>card</em> accounts my ex-husband <em>opened</em> without my knowledge."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Card</em> <em>opened</em> without my consent or knowledge"]},"sort":[15.713618,"7763680"]},{"_index":"complaint-public-v1","_id":"7136207","_score":15.697238,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"SYCHRONY CARE Credit card that I have had for several years since approximately XXXX. This card was offered to me as another option for payment. This card is XXXX interest for a year if balance paid in full for people with excellent credit. I discovered on XXXX through an email from sychrony bank for payment due on fraudelent charges made on XXXX for {$3100.00} to XXXX XXXX and a 2nd charge for {$3100.00} to XXXX XXXX on XXXX, for a total of XXXX, I contacted them that same evening XXXX to report. I also called again to close on XXXX, XXXX and XXXX as I could still go in through the synchrony app and see my account was still open and new cards were being issued. I also did not ask for a new credit cards to be issued to me after I closed both Synchrony care credit o Synchrony home but they still issued Syncrony Home credit card to my home As I had informed them of a fraudulent address that credit card may potentially be sent to. On XXXX i also noticed that A Synchrony Home card/Rooms to Go was opened. I never requested this card to be opened and never got a card in the mail. This card was fraudulently charged on XXXX in XXXX XXXX XXXX  and XXXX XXXX XXXX in XXXX, Tennessee for a total charged of {$7300.00}. I live in NY! I have sent each individual dispute forms for both Synchrony home and Synchrony care credit on XXXX XXXX for both cards by mail and both cards to confirm they received it by phone. My first claim for Synchrony care credit card denied on XXXX saying i authorized or beneffited from purchase, payments made by me and account opened for 12mths statements sent to me. I never got statements in the mail. I also never got an email like I have in the past sane day or so when a purchase is first made, alerting me that a purchase has been made on card. I have filed police report XXXX and FTC report on XXXX. This documents were all sent by mail. I also have a letter from dental  office indicating that I have always paid my bills and last charge to Synchrony care was XXXX paid in full. I called on XXXX sychrony care credit and they confirmed that claim was denied. I requested appeal paperwork. I have not heard back regarding the Synchrony Home dispute claim. I sent A 2nd letter again disputing these charges XXXX thia time by certified mail sign receiptrequested. I have frozen all 3 creditors as I feel my social security number and information has been compromised. I will be contacting social security office as well. I have also put alerts on my credit.","date_sent_to_company":"2023-07-20T21:44:29.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"13850","tags":null,"has_narrative":true,"complaint_id":"7136207","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-06-19T20:40:00.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["I also called again to close on XXXX, XXXX and XXXX as I could still go in through the synchrony app and see my account was still <em>open</em> and new cards were being issued. I also did not ask for a new <em>credit</em> cards to be issued to me after I closed both Synchrony care <em>credit</em> o Synchrony <em>home</em> but they still issued Syncrony <em>Home</em> <em>credit</em> <em>card</em> to my <em>home</em> As I had informed them of a fraudulent address that <em>credit</em> <em>card</em> may potentially be sent to."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> <em>opened</em> as result of identity theft or fraud"]},"sort":[15.697238,"7136207"]},{"_index":"complaint-public-v1","_id":"9024261","_score":15.680464,"_source":{"product":"Credit card","complaint_what_happened":"On XXXX XXXX a credit card was opened fraudulently under my name without me giving permission to do so. I do not know who did this. My birth certificate and social security card was stolen from my home in XXXX I did not notice until XXXX. I filed a report with the IRS on XXXX","date_sent_to_company":"2024-05-16T21:48:53.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"21227","tags":null,"has_narrative":true,"complaint_id":"9024261","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-05-16T21:35:12.000Z","state":"MD","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["On XXXX XXXX a <em>credit</em> <em>card</em> was <em>opened</em> fraudulently under my name without me giving permission to do so. I do not know who did this. My birth certificate and social <em>security</em> <em>card</em> was stolen from my <em>home</em> in XXXX I did not notice until XXXX. I filed a report with the IRS on XXXX"],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[15.680464,"9024261"]},{"_index":"complaint-public-v1","_id":"5860262","_score":15.546469,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XXXX I had fraudulent transactions on my Home Depot Credit Card Account. I was first notified of this on XXXX when i received a text message regarding the some charges that I needed to verify. As soon as I spoke with the representative I realized that There were about 15 transactions of fraud charges on my account made around XXXX to XXXX. \nXXXX - {$110.00}, XXXX {$54.00}, XXXX {$83.00}, XXXX {$130.00}, XXXX {$160.00}, XXXX {$100.00}, XXXX {$130.00}, XXXX {$160.00}, XXXX {$100.00}, XXXX {$160.00}, XXXX {$110.00}, XXXX {$100.00}, XXXX {$210.00}, XXXX {$210.00}, XXXX {$980.00}, at the time, Home Depot removed the charges and investigated the matter. I received notification from them in XX/XX/XXXX informing me that Home Depot had determined that I was responsible for the charges and when I called Security Operations to find out why, they told me that it was because someone had actually swiped my card. I then opened a case with the my police department because I did not swipe my card for these purchases. I then faxed Security Operations the fraud report and after weeks of waiting for a response was told that would suffice and I would need to submit additional information. I then contacted my sheriffs office again and he was able to obtain video footage which does not show me making these purchases and also does not show Home Depot verifying any ID to the credit card that was swiped. I pressed charges on the individual and again faxed this information into Security Operations. After weeks of waiting for them to review this I was notified again that the information I had provided was not enough and I was still responsible for the charges. My Home Depot account was closed and sent to collections. This has effected my credit as well as caused me and my family so much financial stress. I had my account with the Home Depot opened since XXXX and never experienced any problems.","date_sent_to_company":"2022-08-09T21:29:05.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"75165","tags":"Servicemember","has_narrative":true,"complaint_id":"5860262","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-08-09T20:51:10.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["My <em>Home</em> Depot account was closed and sent to collections. This has effected my <em>credit</em> as well as caused me and my family so much financial stress. I had my account with the <em>Home</em> Depot <em>opened</em> since XXXX and never experienced any problems."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[15.546469,"5860262"]},{"_index":"complaint-public-v1","_id":"5535176","_score":15.436444,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Someone opened a credit card at bank of America in my name. I never opened the card or used it. I got a call from bank of American to confirm a charge made on the card was me, and that's when I found out it. I received the card in the mail the very next day. Bank of America closed the card, and disputed the charges made. Since that happen, my credit score went down XXXX, I got letters in the mail saying I requested to forward my mail to another address away from my home address, also away from my mothers home address which is linked to my social security number... which I did not do.. I also had someone do my taxes this year at XXXX XXXX in XXXX Texas. I have yet to receive my refund and i am unable to contact the business that did my taxes. I'm thinking this might be connected..","date_sent_to_company":"2022-05-03T20:53:09.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"761XX","tags":null,"has_narrative":true,"complaint_id":"5535176","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-05-03T20:42:26.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["Someone <em>opened</em> a <em>credit</em> <em>card</em> at bank of America in my name. I never <em>opened</em> the <em>card</em> or used it. I got a call from bank of American to confirm a charge made on the <em>card</em> was me, and that's when I found out it. I received the <em>card</em> in the mail the very next day. Bank of America closed the <em>card</em>, and disputed the charges made."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> <em>opened</em> as result of identity theft or fraud"]},"sort":[15.436444,"5535176"]},{"_index":"complaint-public-v1","_id":"15704890","_score":15.260922,"_source":{"product":"Credit card","complaint_what_happened":"This is Citibank Home Depot credit card customer service. Upon informing them I had a card opened without my consent and with a fraudulent charge on it, they immediately asked for my address, birthdate, and social security number. I refused, and asked for them to verify any information about the account or the card so I could feel like I was speaking to the actual representatives of the bank. They did not offer me anything in response but insisted that the card could not be cancelled without this identifying information.","date_sent_to_company":"2025-09-03T12:50:28.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"320XX","tags":null,"has_narrative":true,"complaint_id":"15704890","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-09-03T12:42:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["This is Citibank <em>Home</em> Depot <em>credit</em> <em>card</em> customer service. Upon informing them I had a <em>card</em> <em>opened</em> without my consent and with a fraudulent charge on it, they immediately asked for my address, birthdate, and social <em>security</em> number. I refused, and asked for them to verify any information about the account or the <em>card</em> so I could feel like I was speaking to the actual representatives of the bank."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Card</em> <em>opened</em> without my consent or knowledge"]},"sort":[15.260922,"15704890"]},{"_index":"complaint-public-v1","_id":"8212125","_score":15.172169,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/2024 XXXX to XXXX American Express security XXXX XXXX XXXX XXXX ) XXXX ) called me and stated that I have an unusual credit card transaction, and probably someone stole my identity to open a credit card account and need to confirm my personal information including name, phone number, home address and social security number. After that, they transferred me to the XXXX police department and had a virtual meeting with them for police report. I exposed my face my voice and personal identity during the XXXX call and end up realized they are identity theft.","date_sent_to_company":"2024-01-24T03:04:39.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"11375","tags":null,"has_narrative":true,"complaint_id":"8212125","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-01-24T02:44:50.000Z","state":"NY","company_public_response":null,"sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["XX/XX/2024 XXXX to XXXX American Express <em>security</em> XXXX XXXX XXXX XXXX ) XXXX ) called me and stated that I have an unusual <em>credit</em> <em>card</em> transaction, and probably someone stole my identity to <em>open</em> a <em>credit</em> <em>card</em> account and need to confirm my personal information including name, phone number, <em>home</em> address and social <em>security</em> number. After that, they transferred me to the XXXX police department and had a virtual meeting with them for police report."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[15.172169,"8212125"]},{"_index":"complaint-public-v1","_id":"6452488","_score":15.169343,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received a credit alert on my credit journey that I have on my chase credit card. There was a new credit inquiry on XX/XX/23 from lender : COMENITYCB/XXXX XXXXXXXX XXXX I contacted comenitycbXXXX XXXX and was told someone filled out an application to open a new credit card with my name and social security number as well as an old home address. I informed comenity that I did not apply for a credit card with them. They cancelled the application for the credit card and directed me to contact all credit bureaus to report the fraud.","date_sent_to_company":"2023-01-19T00:58:09.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"43147","tags":null,"has_narrative":true,"complaint_id":"6452488","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2023-01-19T00:47:48.000Z","state":"OH","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["I received a <em>credit</em> alert on my <em>credit</em> journey that I have on my chase <em>credit</em> <em>card</em>. There was a new <em>credit</em> inquiry on XX/XX/23 from lender : COMENITYCB/XXXX XXXXXXXX XXXX I contacted comenitycbXXXX XXXX and was told someone filled out an application to <em>open</em> a new <em>credit</em> <em>card</em> with my name and social <em>security</em> number as well as an old <em>home</em> address. I informed comenity that I did not apply for a <em>credit</em> <em>card</em> with them."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> <em>opened</em> as result of identity theft or fraud"]},"sort":[15.169343,"6452488"]},{"_index":"complaint-public-v1","_id":"20874811","_score":15.049044,"_source":{"product":"Credit card","complaint_what_happened":"I opened a credit card that advertised a promotional offer : 20 % off purchases at the store plus additional reward points, valid for the first 14 days after account opening. \nImmediately after opening the account, the issuer flagged even small purchases as fraud, despite the transactions being made in my home city and shipped to my home address. I contacted customer service and was told the account would remain restricted unless I mail physical copies of my drivers license and Social Security card. \nThis requirement is excessive and intrusive, especially given that the transactions showed no reasonable indicators of fraud. More importantly, requiring verification by mail guarantees that the 14day promotional period will expire, making it impossible for me to use the advertised rewards.\n\nThis appears to be a bait-and-switch practiceinducing consumers to open a credit card with time-limited rewards, then immediately restricting the account in a way that prevents reasonable access to those rewards.\n\nRequested Resolution","date_sent_to_company":"2026-04-02T06:12:22.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"44107","tags":null,"has_narrative":true,"complaint_id":"20874811","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2026-04-02T05:58:49.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I <em>opened</em> a <em>credit</em> <em>card</em> that advertised a promotional offer : 20 % off purchases at the store plus additional reward points, valid for the first 14 days after account opening. \nImmediately after opening the account, the issuer flagged even small purchases as fraud, despite the transactions being made in my <em>home</em> city and shipped to my <em>home</em> address."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Trouble using your <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't use <em>card</em> to make purchases"]},"sort":[15.049044,"20874811"]},{"_index":"complaint-public-v1","_id":"15756468","_score":15.028762,"_source":{"product":"Credit card","complaint_what_happened":"In late XX/XX/year>, I received both a credit card and debit card from Chime ( the financial technology company ) with my name on it. This card was sent to my home address, but I never signed up for these cards. Additionally, my credit has been frozen for the past year, so there is no way Chime would have been able to access my credit to approve me for this card. I called Chime to close the account, but they were of no use. They stated that they would not be able to help me without me providing them with my social security number and home address, among other things. This is despite me offering to provide them the account number that was detailed in the letter I received from Chime as well as the number on the credit and debit cards. To then see if there was a way around their system, I told the Chime employee that I do not have a social security number ( which is of course not true ), which is why I was concerned as to how these cards were opened. I was then put on hold by the Chime employee, who never returned to resume the call. The phone number that I had called was XXXX ( XXXX ) XXXX.","date_sent_to_company":"2025-09-06T00:18:30.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"30542","tags":null,"has_narrative":true,"complaint_id":"15756468","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-09-05T23:52:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["In late XX/XX/year>, I received both a <em>credit</em> <em>card</em> and debit <em>card</em> from Chime ( the financial technology company ) with my name on it. This <em>card</em> was sent to my <em>home</em> address, but I never signed up for these cards. Additionally, my <em>credit</em> has been frozen for the past year, so there is no way Chime would have been able to access my <em>credit</em> to approve me for this <em>card</em>. I called Chime to close the account, but they were of no use."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> <em>opened</em> without my consent or knowledge"]},"sort":[15.028762,"15756468"]},{"_index":"complaint-public-v1","_id":"5326502","_score":14.998132,"_source":{"product":"Checking or savings account","complaint_what_happened":"I came home from work on XX/XX/2022 checked my mail and found a debit card opened in Eastern Bank that I never opened. When i called about it after checking my social security number, birthdate, driver 's license #, email address etc most of which was incorrect I was told to call the police department to report the fraud and to report it to the FTC as well as the various credit agencies. \n\nThe account was opened online on XX/XX/2022.","date_sent_to_company":"2022-03-16T04:37:19.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"02062","tags":null,"has_narrative":true,"complaint_id":"5326502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EASTERN BANKSHARES INC","date_received":"2022-03-16T00:14:17.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["I came <em>home</em> from work on XX/XX/2022 checked my mail and found a debit <em>card</em> <em>opened</em> in Eastern Bank that I never <em>opened</em>. When i called about it after checking my social <em>security</em> number, birthdate, driver 's license #, email address etc most of which was incorrect I was told to call the police department to report the fraud and to report it to the FTC as well as the various <em>credit</em> agencies. \n\nThe account was <em>opened</em> online on XX/XX/2022."],"sub_issue":["Account <em>opened</em> as a result of fraud"]},"sort":[14.998132,"5326502"]},{"_index":"complaint-public-v1","_id":"10431139","_score":14.977868,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"An account/credit card was opened under my name with the company name of XXXX. The balance is {$130.00}. The date that it shows it was opened on my credit report XX/XX/XXXX. I started receiving statements in the mail for this credit card that I did not open. I previously used this company when I financed my security camera equipment for my home. I paid off what was owed for the equipment, further more that monthly installment was paid in full and closed out. ( That account was NOT a credit card ). Later on down the line I found out that a credit card was sent to my old address from the same company called XXXX and an account was opened in which I did not do. This company decided to draft money out of my checking account without permission with a total of {$27.00} on XX/XX/XXXX. I have asked that this account be removed from my credit reports because it was fraudulently opened.","date_sent_to_company":"2024-10-12T23:30:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30127","tags":"Servicemember","has_narrative":true,"complaint_id":"10431139","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-12T23:30:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["An account/<em>credit</em> <em>card</em> was <em>opened</em> under my name with the company name of XXXX. The balance is {$130.00}. The date that it shows it was <em>opened</em> on my <em>credit</em> report XX/XX/XXXX. I started receiving statements in the mail for this <em>credit</em> <em>card</em> that I did not <em>open</em>. I previously used this company when I financed my <em>security</em> camera equipment for my <em>home</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.977868,"10431139"]},{"_index":"complaint-public-v1","_id":"10431792","_score":14.975873,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"An account/credit card was opened under my name with the company name of XXXX. The balance is {$130.00}. The date that it shows it was opened on my credit report XX/XX/XXXX. I started receiving statements in the mail for this credit card that I did not open. I previously used this company when I financed my security camera equipment for my home. I paid off what was owed for the equipment, further more that monthly installment was paid in full and closed out. ( That account was NOT a credit card ). Later on down the line I found out that a credit card was sent to my old address from the same company called XXXX and an account was opened in which I did not do. This company decided to draft money out of my checking account without permission with a total of {$27.00} on XX/XX/XXXX. I have asked that this account be removed from my credit reports because it was fraudulently opened.","date_sent_to_company":"2024-10-12T23:30:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30127","tags":"Servicemember","has_narrative":true,"complaint_id":"10431792","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-12T23:30:44.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["An account/<em>credit</em> <em>card</em> was <em>opened</em> under my name with the company name of XXXX. The balance is {$130.00}. The date that it shows it was <em>opened</em> on my <em>credit</em> report XX/XX/XXXX. I started receiving statements in the mail for this <em>credit</em> <em>card</em> that I did not <em>open</em>. I previously used this company when I financed my <em>security</em> camera equipment for my <em>home</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.975873,"10431792"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1406,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1406}]}},"product":{"doc_count":1406,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":326,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":319},{"key":"Other personal consumer report","doc_count":7}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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