{"took":142,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":817,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10117516","_score":20.370495,"_source":{"product":"Prepaid card","complaint_what_happened":"On XX/XX/year> Direct Express via Comerica Bank blocked my previous verified email address following me updating my address for replacement benefit card. Direct express required me to provide a copy of my identification card via their fraud identification department email in order to unblock my account and permit me online access of which I required immediate access to. I complied with their unwarranted request providing them a copy of my Florida state ISSUED ID BOTH FRONT AND. BACK. DIRECT EXPRESS RESPONDED ON XX/XX/year> THAT MY ACCOUNT ACCESS REMAINED DENIED DUE TO ME SENDING A EXPIRED ID. MY IDENTIFICATION CARD WAS FACTUALLY VALID AND CLEARLY VERIFIABLE IN THE EMAIL.ORIGINALLY SENT. I AGAIN RESENT MY IDENTIFICATION CARD WITH A COPY OF MY SOCIAL SECURITY CARD FRONT AND BACK. SEVERAL HOURS LATER, DIRECT EXPRESS RESPONED THEY WERE DENYING MY SECOND VERIFIABLE IDENTIFICATION CARD AND SOCIAL SECURITY CARD AND CONTINUED TO BLOCK ME FROM MY ACCOUNT ACCESS STATING MY IDENTIFICATION WAS EXPIRED.","date_sent_to_company":"2024-09-13T01:02:50.000Z","issue":"Problem getting a card or closing an account","sub_product":"Government benefit card","zip_code":"02324","tags":null,"has_narrative":true,"complaint_id":"10117516","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Comerica","date_received":"2024-09-13T00:14:01.000Z","state":"MA","company_public_response":null,"sub_issue":"Trouble getting, activating, or registering a card"},"highlight":{"complaint_what_happened":["MY <em>IDENTIFICATION</em> CARD WAS FACTUALLY <em>VALID</em> AND CLEARLY VERIFIABLE IN THE EMAIL.ORIGINALLY SENT. I AGAIN RESENT MY <em>IDENTIFICATION</em> CARD WITH A COPY OF MY SOCIAL <em>SECURITY</em> CARD FRONT AND BACK. SEVERAL HOURS LATER, DIRECT EXPRESS RESPONED THEY WERE DENYING MY SECOND VERIFIABLE <em>IDENTIFICATION</em> CARD AND SOCIAL <em>SECURITY</em> CARD AND CONTINUED TO BLOCK ME FROM MY ACCOUNT ACCESS <em>STATING</em> MY <em>IDENTIFICATION</em> WAS EXPIRED."]},"sort":[20.370495,"10117516"]},{"_index":"complaint-public-v1","_id":"3845214","_score":19.177322,"_source":{"product":"Debt collection","complaint_what_happened":"After verification process the outstanding balance on credit card is not valid and is miscellaneous debt. Credit card issued by the Wells Fargo bank was not sign in order to ensure that the business upholds and maintain security as promised in consumer Contract. In clear violation of consumer privacy acts. Without a signature verified on back of credit card, credit card can only be used by business as a form of identification. Stating otherwise will result in perjury. Risk factors and discrimination for at risk status. False and defamatory available if necessary.","date_sent_to_company":"2020-09-21T21:28:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33145","tags":null,"has_narrative":true,"complaint_id":"3845214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-09-14T19:19:21.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["After verification process the outstanding balance on credit card is not <em>valid</em> and is miscellaneous debt. Credit card <em>issued</em> by the Wells Fargo bank was not sign in order to ensure that the business upholds and maintain <em>security</em> as promised in consumer Contract. In clear violation of consumer privacy acts. Without a signature verified on back of credit card, credit card can only be used by business as a form of <em>identification</em>. <em>Stating</em> otherwise will result in perjury."]},"sort":[19.177322,"3845214"]},{"_index":"complaint-public-v1","_id":"2860073","_score":19.140493,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I applied for a credit card and received mailed notice from Barclays Bank stating they needed additional information. They requested copies of my current drivers license, copy of utility bill, and copy of my social security number. Although I had reservations about providing my SSN, I did send them the first two items and a copy of my Medicare Card which clearly shows my name and social security number. After a few weeks had past, I called to find out the reason for the delay in issuing my card. They insisted that they must have the copy of my social security card in order to process the application. \n\nSince the information they requested was to verify my identity, I offered to send them a copy of my birth certificate or any other information they needed to prove my identity and citizenship as an alternative to the social security card. My Medicare Card is should be as valid as my social security card for providing my social security number. \n\nAs far as I know, there is no XXXX requirement that states that a financial institution MUST require its customer to provide a social security card as valid documentation in order to do business. I feel that their insistence on requiring that singular piece of identification, and one the Social Security Administration itself suggests against providing, represents an unfair trade practice by the bank. This situation could be easily avoided if Barclays would accept other primary types of identification.","date_sent_to_company":"2018-03-30T21:37:09.000Z","issue":"Identity theft protection or other monitoring services","sub_product":"Other personal consumer report","zip_code":"296XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2860073","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2018-03-30T21:00:51.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["My Medicare Card is should be as <em>valid</em> as my social <em>security</em> card for providing my social <em>security</em> number. \n\nAs far as I know, there is no XXXX requirement that states that a financial institution MUST require its customer to provide a social <em>security</em> card as <em>valid</em> documentation in order to do business."]},"sort":[19.140493,"2860073"]},{"_index":"complaint-public-v1","_id":"21543578","_score":18.930382,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I attempted to open a XXXX XXXX XXXX account with American Express through their online application on XXXX The application form explicitly presents the tax identification field as \" SSN or ITIN, '' indicating that either a Social Security Number or an Individual Taxpayer Identification Number is acceptable for identity verification under the USA PATRIOT Act disclosure shown on the same page.\n\nI entered my valid, IRS-issued ITIN into this field. The system rejected the entry with the error message \" Enter a valid social security number '' and would not allow the application to proceed. The form 's backend validation appears to only accept SSNs, despite the field label and the on-screen text advertising ITIN acceptance. I attempted the entry multiple times to rule out a typo or formatting issue ; the form rejected every valid ITIN entry. \nOn the same day, XX/XX/year>, I contacted American Express customer support to report the issue and request assistance. The representative did not acknowledge the mismatch between the advertised field and the actual system behavior, did not offer any workaround, alternative application channel, or escalation path, and did not explain why the form solicits ITINs if they are not actually processed. Instead, I was told to \" obtain a Social Security Number '' and reapply which is not possible for ITIN holders, since an ITIN is issued by the IRS specifically to individuals who are not eligible for an SSN. The rest of the response was generic and did not address the substantive issue. No resolution, follow-up, or case reference was provided.\n\nThe core problem is that American Express 's application solicits ITINs from applicants who are ineligible to actually be approved through the stated process, and their frontline support is either unaware of this or unwilling to acknowledge it. This pattern effectively excludes ITIN holders a population composed largely of lawful non-resident taxpayers and certain resident aliens from accessing a savings product that the company publicly markets as available to them.","date_sent_to_company":"2026-04-23T21:40:35.000Z","issue":"Opening an account","sub_product":"Savings account","zip_code":"59718","tags":null,"has_narrative":true,"complaint_id":"21543578","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-04-23T21:34:42.000Z","state":"MT","company_public_response":null,"sub_issue":"Confusing or missing disclosures"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I attempted to open a XXXX XXXX XXXX account with American Express through their online application on XXXX The application form explicitly presents the tax <em>identification</em> field as \" SSN or ITIN, '' indicating that either a Social <em>Security</em> Number or an Individual Taxpayer <em>Identification</em> Number is acceptable for identity verification under the USA PATRIOT Act disclosure shown on the same page.\n\nI entered my <em>valid</em>, IRS-<em>issued</em> ITIN into this field."]},"sort":[18.930382,"21543578"]},{"_index":"complaint-public-v1","_id":"3283702","_score":18.4613,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a XXXX XXXX on an XXXX visa. I have established credit since living in the United States and have credit files with all three major bureaus. I have obtained and reviewed my credit report from XXXX  and XXXX and they are complete and accurate. \n\nMy credit report with Equifax is incomplete as it does not contain my Social Security Number. As such, potential lenders are unable to verify my identity using my identification as there is no match on my SSN. I have raised a number of disputes with Equifax, in which they requested that I provide valid proof of identification in the form of a copy of my social security card and my drivers license. \n\nThe first three disputes did not result in the inclusion of my SSN and did not mention it in the results of the dispute. \n\nThe most recent and final dispute raised in XX/XX/2019 resulted in Equifax writing to tell me that \" The worker ID number is not issued by the social security administration as a social security number and can not be added to your Equifax file. '' I phoned Equifax who informed me having reviewed the documents that they did not consider my Social Security card to be a valid Social Security Number. I believe this relates to text on my Social Security card stating that the number is \" valid for work only with DHS Authorization '', as it relates to my status as a non-resident alien which requires a visa in order to continue residing and working in the United States.\n\nThat being said, it remains a valid social security number and is used by my employer, lenders, and the IRS as a means to identify me. It is included within the 'Social Security Number ' box on my W2 and on my tax return. \n\nEquifax have been unable to provide any suggested resolution to this matter - their only suggestion was to visit the social security office to have that text removed from the card. This is not possible, since the text is required as it relates to my status in the United States. \n\nThe issue has prevented me from obtaining credit in certain circumstances. I do not believe it is unreasonable to ask for my SSN to be added to my credit file ensuring it is complete, as the other credit bureaus have. I have provided documentary evidence of my SSN in good faith and believe Equifax should act on this information to avoid discriminating against me due to my status as a non-resident. \n\nMy lenders each report my SSN on my file and it is therefore listed as a \" SSN variation '' on my file, but that does not allow it to match when a potential lender is attempting to verify my identity.","date_sent_to_company":"2019-06-22T19:38:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77004","tags":null,"has_narrative":true,"complaint_id":"3283702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-22T19:26:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["My credit report with Equifax is incomplete as it does not contain my Social <em>Security</em> Number. As such, potential lenders are unable to verify my identity using my <em>identification</em> as there is no match on my SSN. I have raised a number of disputes with Equifax, in which they requested that I provide <em>valid</em> proof of <em>identification</em> in the form of a copy of my social <em>security</em> card and my drivers license."]},"sort":[18.4613,"3283702"]},{"_index":"complaint-public-v1","_id":"4277165","_score":17.88981,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax refuses to investigate my claim about the prior issue with XXXX  XXXX and how it need not be reporting as i provided and explained exactly the reasons, a mere recap is As noted the CFPB is aware of the XXXX  XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the XXXX, under both Federal and Kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX XXXXXXXX XXXX account as its not accurate, its unfair and deceptive and illegal. This and the inquiry on Equifax need to be removed. The Trade-Line must be removed from XXXX, XXXX and especially Equifax. '' The INQ and Trade-Line at present still are reporting to equifax and Equfiax, i may add is also the most deceitful CRAs and was the result of a massive data breach the like we shall never see because of there willfully negligent data practices, was the report used to open the account! The Response was typical negligent usurper STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. '' This is utterly insulting and needs to be investigated immediately!","date_sent_to_company":"2021-04-07T07:01:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"66047","tags":null,"has_narrative":true,"complaint_id":"4277165","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-04-07T02:51:16.000Z","state":"KS","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In review, the <em>identification</em> information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your <em>identification</em> and current address. Please provide a legible photocopy of a <em>valid</em> document that shows your name, current address and complete social <em>security</em> number."]},"sort":[17.88981,"4277165"]},{"_index":"complaint-public-v1","_id":"17989881","_score":17.852022,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX, I attempted to cash my payroll check at Bank of America. The teller endorsed/stamped the check, which prevented me from cashing or depositing it anywhere else. After endorsing the check, they refused to release my funds, claiming my ID was expired. \n\nI provided three forms of identification : A Texas state ID card ( valid ) A Texas paper temporary drivers license from the XXXX  My Social Security card Despite this, Bank of America refused to cash my payroll check with no valid reason. \n\nBecause they had already stamped the check, my employer was forced to issue a replacement check, which took 10 days due to the holiday period. During this entire time ( XXXX ), I had no access to my own wages. \n\nOn XX/XX/XXXX, when I finally received the replacement check, XXXX  Check Cashing accepted the exact same ID with no issues and cashed the check immediately. I attached the XXXX  receipt showing this. \n\nBank of Americas actions caused severe financial hardship : I had to borrow {$700.00} just to pay for food, gas, and basic needs for myself and my daughter. \nI went 10 days without access to my earned wages solely because Bank of America refused valid identification after endorsing the original check. \nThis caused emotional distress, embarrassment, and disruption during the XXXX holiday period.","date_sent_to_company":"2025-12-04T15:27:57.000Z","issue":"Problem with customer service","sub_product":"Check cashing service","zip_code":"75019","tags":null,"has_narrative":true,"complaint_id":"17989881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-12-04T15:18:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I provided three forms of <em>identification</em> : A Texas <em>state</em> ID card ( <em>valid</em> ) A Texas paper temporary drivers license from the XXXX  My Social <em>Security</em> card Despite this, Bank of America refused to cash my payroll check with no <em>valid</em> reason. \n\nBecause they had already stamped the check, my employer was forced to <em>issue</em> a replacement check, which took 10 days due to the holiday period. During this entire time ( XXXX ), I had no access to my own wages."]},"sort":[17.852022,"17989881"]},{"_index":"complaint-public-v1","_id":"4629673","_score":17.747265,"_source":{"product":"Checking or savings account","complaint_what_happened":"I went into the Huntington Bank XXXX Illinois location to withdraw cash from my checking account. I was told they dont have that large of an amount, {$8500.00} and teller insisted that I go to another branch or she will order it and have it available in a couple of days ; alternatively she suggested withdrawing less money, {$4000.00}, which I agreed to. I was asked for my state/government Id, which I provided a state of Illinois Id. Teller refused to accept As it had expired in XXXX. State of Illinois extended the expiration renewal date and is public record listed on the Secretary of State website. She refused it and proceeded to ask for another state or government Id. I provided a FOID issued by the state of Illinois, which after several minutes was returned as she claimed she did not know how to enter into their system. She then asked for another government id. I provided a global entry card, issued by the Department of Homeland Security. Teller told me she was unable to withdraw my funds since I dont have a valid drivers license, and at my request called a manager. Manager acknowledged that the Illinois Secretary of State has extended the is expiration but was only through XXXX. The branchs inability to keep up with public notices of identification extension, inability to accommodate for any other id aside from a drivers license, and in turn withholding of my funds when several identification means were provided is abuse of their role as a financial institution, it is unacceptable business practices and consumer discrimination.","date_sent_to_company":"2021-08-13T23:38:51.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"607XX","tags":null,"has_narrative":true,"complaint_id":"4629673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2021-08-13T22:49:36.000Z","state":"IL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I provided a global entry card, <em>issued</em> by the Department of Homeland <em>Security</em>. Teller told me she was unable to withdraw my funds since I dont have a <em>valid</em> drivers license, and at my request called a manager. Manager acknowledged that the Illinois Secretary of <em>State</em> has extended the is expiration but was only through XXXX."]},"sort":[17.747265,"4629673"]},{"_index":"complaint-public-v1","_id":"10285679","_score":17.734867,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention a recurring issue I have been experiencing with LexisNexis regarding the erroneous linking of my personal information with that of my XXXX XXXX sister, as well as the reversion to outdated information. Despite having disputed this matter with LexisNexis in both XXXX and XXXX, the problem persists. \n\nThis year, I encountered difficulties with security questions related to my employer travel card through XXXX. Upon contacting XXXX, I was advised to communicate directly with LexisNexis to dispute and rectify the security information they have on file. Consequently, I requested a full disclosure report from LexisNexis last month. However, I received a letter dated XX/XX/XXXX, stating that they are unable to process my request due to an inability to authenticate my identity. \n\nGiven that my state-issued driver 's license is accepted by the TSA as a valid form of identification, I am perplexed as to why it would not suffice for LexisNexis to authenticate my identity. I would appreciate it if you could provide clarification on this matter and assist in resolving this issue promptly.\n\nThank you for your attention to this matter. I look forward to your prompt response.","date_sent_to_company":"2024-09-28T22:05:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"10285679","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-09-28T21:36:52.000Z","state":"GA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Given that my <em>state</em>-<em>issued</em> driver 's license is accepted by the TSA as a <em>valid</em> form of <em>identification</em>, I am perplexed as to why it would not suffice for LexisNexis to authenticate my identity. I would appreciate it if you could provide clarification on this matter and assist in resolving this <em>issue</em> promptly.\n\nThank you for your attention to this matter. I look forward to your prompt response."]},"sort":[17.734867,"10285679"]},{"_index":"complaint-public-v1","_id":"3028793","_score":17.56409,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Went to Experion website to sign up to Freeze accounts. After completing all the information requested, received a notice that I need to mail in the information. Should be able to do all on-line. Very disappointed! \n\n\nWe were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. \n\nSending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. \nSend copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. \nExperian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX Your identification information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security number : Date of birth : [ ] I have included a copy of a valid police report or investigative report or complaint filed with a law enforcement agency, etc. \nExperian 2018. All rights reserved. \nExperian and the marks used herein are service marks or registered trademarks of Experian. \nOther product and company names mentioned herein may be the trademarks of their respective owners.\n\nView Experian 's Privacy Policy","date_sent_to_company":"2018-10-01T14:34:46.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"14424","tags":null,"has_narrative":true,"complaint_id":"3028793","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-09-25T16:11:59.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":[". ; Social <em>Security</em> number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government <em>issued</em> <em>identification</em> card, such as a drivers license, <em>state</em> ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of <em>issue</em> ( statement dates must be recent )."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[17.56409,"3028793"]},{"_index":"complaint-public-v1","_id":"13054564","_score":17.466408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am following up on Equifaxs failure to correct inaccurate and mixed information on my credit report, including names and accounts that do not belong to me. This complaint is directly related to CFPB Case # XXXX. \n\nEquifax claimed my identification documents were not legible. However, I provided a clear copy of my valid government-issued ID and Social Security card . These are the same documents I sent to the CFPB, which were accepted without issue. \n\nIn direct contradiction to their claim, Equifax verified and used my correct address from those same documents yet failed to remove an incorrect name ( XXXX XXXX XXXX ) and other inaccurate data. \n\nI initially disputed this on XX/XX/XXXX, and Equifax closed the dispute on XX/XX/XXXX, meaning the matter was resolved in just one day. Despite this, they continue to stall by stating they are still working on it. \n\nEquifaxs failure to correct these known errors even after receiving proof is unacceptable. Their actions violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681n, for failure to reinvestigate and willful noncompliance. \n\nI am demanding that Equifax immediately delete all inaccurate personal information and remove all disputed negative accounts that remain on my credit report despite being flagged for errors. \n\nI have uploaded additional documentation as supporting evidence. \n\nEquifaxs response states they reviewed my identification information but left the result section completely blank yet simultaneously verified the XXXX XXXX address as valid since XXXX without providing any basis for that verification. \n\nMy valid government ID and Social Security card were submitted and reviewed by the CFPB without issue, yet Equifax still claims my identity is not legible or inconclusive. This is clearly a stalling tactic and a violation of my rights under 15 U.S.C. 1681i ( a ). \n\nThey are retaining the XXXX XXXX address because it supports derogatory data, not because it is accurate and are failing to document or explain how they determined its validity. This proves they are not operating in good faith and are selectively verifying only the information that justifies continued negative reporting.","date_sent_to_company":"2025-04-18T19:51:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"17104","tags":null,"has_narrative":true,"complaint_id":"13054564","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-18T18:58:42.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifaxs response states they reviewed my <em>identification</em> information but left the result section completely blank yet simultaneously verified the XXXX XXXX address as <em>valid</em> since XXXX without providing any basis for that verification. \n\nMy <em>valid</em> government ID and Social <em>Security</em> card were submitted and reviewed by the CFPB without <em>issue</em>, yet Equifax still claims my identity is not legible or inconclusive."]},"sort":[17.466408,"13054564"]},{"_index":"complaint-public-v1","_id":"2901657","_score":17.235733,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My Nordstrom 's XXXX Credit Card, Account # XXXX. I had some fraudulent charges on the card, timely notified Nordstrom, who issued me a Credit and a Replacement Card. \nAlthough I have a replacement card, Nordstrom 's will not activate the card until I forward them a valid State of Michigan Identification ; Social Security Card, and billing statement from another creditor. To expedite the activation, I sent all these documents plus my United States Passport to Nordstroms by next day mail, costing me over {$50.00}. They received it the next day, I  tracked the package through the Postal Service but did not even look at the material to update my card for several weeks. I also went into their local store in XXXX, Michigan, met with the head of their financial service office in that store, gave her a copy of my Idnetification, Social Security Card, United States Passport, and billing statement from another creditor, XXXX XXXX. She called their main office with me present, who she could obviously identify as she has picture identification, and me present so she knew it was me, and Nordstrom continues to refuse to activate my card.","date_sent_to_company":"2018-05-09T21:16:31.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"48322","tags":null,"has_narrative":true,"complaint_id":"2901657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2018-05-09T20:59:24.000Z","state":"MI","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I had some fraudulent charges on the card, timely notified Nordstrom, who <em>issued</em> me a Credit and a Replacement Card. \nAlthough I have a replacement card, Nordstrom 's will not activate the card until I forward them a <em>valid</em> <em>State</em> of Michigan <em>Identification</em> ; Social <em>Security</em> Card, and billing statement from another creditor. To expedite the activation, I sent all these documents plus my United States Passport to Nordstroms by next day mail, costing me over {$50.00}."]},"sort":[17.235733,"2901657"]},{"_index":"complaint-public-v1","_id":"18087654","_score":17.221968,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal credit dispute along with all required identity verification documents, including my government-issued identification, utility bill, Social Security card , and a valid FTC Identity Theft Report. These documents were provided to verify my identity and authorize the dispute. Despite having all required documentation, the credit reporting agency closed my dispute stating that the request did not come from me or an authorized party. No reinvestigation was conducted, and the dispute was dismissed without addressing the accuracy of the information I disputed. Under the Fair Credit Reporting Act, once a consumer submits a dispute with sufficient proof of identity, the credit reporting agency is required to conduct a reasonable reinvestigation. Closing the dispute without doing so constitutes an improper handling of my dispute.","date_sent_to_company":"2025-12-16T21:07:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19709","tags":null,"has_narrative":true,"complaint_id":"18087654","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-16T20:59:39.000Z","state":"DE","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 submitted a formal credit dispute along with all required identity verification documents, including my government-<em>issued</em> <em>identification</em>, utility bill, Social <em>Security</em> card , and a <em>valid</em> FTC Identity Theft Report. These documents were provided to verify my identity and authorize the dispute. Despite having all required documentation, the credit reporting agency closed my dispute <em>stating</em> that the request did not come from me or an authorized party."]},"sort":[17.221968,"18087654"]},{"_index":"complaint-public-v1","_id":"18087315","_score":17.214989,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal credit dispute along with all required identity verification documents, including my government-issued identification, utility bill, Social Security card XXXX and a valid FTC Identity Theft Report. These documents were provided to verify my identity and authorize the dispute. Despite having all required documentation, the credit reporting agency closed my dispute stating that the request did not come from me or an authorized party. No reinvestigation was conducted, and the dispute was dismissed without addressing the accuracy of the information I disputed. Under the Fair Credit Reporting Act, once a consumer submits a dispute with sufficient proof of identity, the credit reporting agency is required to conduct a reasonable reinvestigation. Closing the dispute without doing so constitutes an improper handling of my dispute.","date_sent_to_company":"2025-12-16T20:56:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19140","tags":null,"has_narrative":true,"complaint_id":"18087315","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-16T20:50:20.000Z","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 submitted a formal credit dispute along with all required identity verification documents, including my government-<em>issued</em> <em>identification</em>, utility bill, Social <em>Security</em> card XXXX and a <em>valid</em> FTC Identity Theft Report. These documents were provided to verify my identity and authorize the dispute. Despite having all required documentation, the credit reporting agency closed my dispute <em>stating</em> that the request did not come from me or an authorized party."]},"sort":[17.214989,"18087315"]},{"_index":"complaint-public-v1","_id":"18086361","_score":17.209435,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal credit dispute along with all required identity verification documents, including my government-issued identification, utility bill, Social Security card , and a valid FTC Identity Theft Report. These documents were provided to verify my identity and authorize the dispute. Despite having all required documentation, the credit reporting agency closed my dispute stating that the request did not come from me or an authorized party. No reinvestigation was conducted, and the dispute was dismissed without addressing the accuracy of the information I disputed. Under the Fair Credit Reporting Act, once a consumer submits a dispute with sufficient proof of identity, the credit reporting agency is required to conduct a reasonable reinvestigation. Closing the dispute without doing so constitutes an improper handling of my dispute.","date_sent_to_company":"2025-12-16T20:31:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19120","tags":null,"has_narrative":true,"complaint_id":"18086361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-16T20:26:16.000Z","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 submitted a formal credit dispute along with all required identity verification documents, including my government-<em>issued</em> <em>identification</em>, utility bill, Social <em>Security</em> card , and a <em>valid</em> FTC Identity Theft Report. These documents were provided to verify my identity and authorize the dispute. Despite having all required documentation, the credit reporting agency closed my dispute <em>stating</em> that the request did not come from me or an authorized party."]},"sort":[17.209435,"18086361"]},{"_index":"complaint-public-v1","_id":"16808959","_score":17.209435,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, I sent a certified letter to Experian, which included a formal request regarding certain items on my credit report. In my correspondence, I enclosed valid documentation to verify my identity, including a copy of my government-issued photo identification, proof of current address, and Social Security Number. \n\nOn XX/XX/year>, I received a response letter from Experian acknowledging receipt of my request. The letter stated that a recent inquiry regarding my credit information had been received but did not appear to have been initiated or authorized by me. \n\nFor reference, my original letter to Experian addressed the following accounts : XXXXXXXX XXXX XXXX  - {$18000.00} ( account # XXXX )","date_sent_to_company":"2025-10-24T17:00:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75217","tags":null,"has_narrative":true,"complaint_id":"16808959","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-24T14:24:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In my correspondence, I enclosed <em>valid</em> documentation to verify my identity, including a copy of my government-<em>issued</em> photo <em>identification</em>, proof of current address, and Social <em>Security</em> Number. \n\nOn XX/XX/year>, I received a response letter from Experian acknowledging receipt of my request. The letter <em>stated</em> that a recent inquiry regarding my credit information had been received but did not appear to have been initiated or authorized by me."]},"sort":[17.209435,"16808959"]},{"_index":"complaint-public-v1","_id":"21117913","_score":17.10196,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB FOLLOW-UP WHAT HAPPENED WITH CLAIMED INVESTIGATION In my original complaint, I explained that an auto loan was opened in my name without my knowledge or authorization around XX/XX/year>, with an original balance of approximately {$53000.00}. \n\nAfter submitting my complaint and identity theft documentation, the company responded stating that they attempted to verify my identity and concluded the account is accurate. However, their conclusion appears to be based on issues related to my identification documents rather than proof that I authorized the account. \n\nSpecifically, the company stated that my Social Security card appeared tampered and that my identification could not be validated through DMV records. These issues are directly related to the identity theft I reported. My identification was impacted as part of the fraudulent activity, including my ID being canceled due to misuse of my identity. \n\nThe company has not provided any documentation showing that I : Applied for the loan Signed any contract Took possession of any vehicle Instead, they relied on the condition or status of my identification documents to conclude the account is valid. \n\nI have already : Disputed the account with the credit bureaus Filed an official Identity Theft Report with the Federal Trade Commission Provided notice that this account was opened without my authorization Despite this, the account continues to be reported as mine. \n\nThis is not a proper investigation. The presence of identity theft should require verification of authorization, not a conclusion based on document irregularities. \n\n\nWHAT I AM REQUESTING I am requesting that the company : Delete the account from all consumer reporting agencies immediately Cease reporting and any further activity related to this account Correct their records to reflect that this account was opened as a result of identity theft If the company maintains that the account is valid, they must provide actual documentation showing that I authorized the account, including a signed contract and proof of vehicle possession. \n\nThe account was not opened by me, and continued reporting is causing ongoing harm. \n\nAs part of resolving this identity theft situation, I am currently in the process of correcting and updating my identification documents. My identification was affected due to the fraudulent activity, which has required me to work with the appropriate agencies to restore accurate records. \n\nPlease also note that I am currently XXXX months XXXX, so there XXXX be slight delays as I complete this process. I am actively working to provide any necessary documentation as quickly as possible.","date_sent_to_company":"2026-04-10T03:51:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"92109","tags":null,"has_narrative":true,"complaint_id":"21117913","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2026-04-10T03:51:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["After submitting my complaint and identity theft documentation, the company responded <em>stating</em> that they attempted to verify my identity and concluded the account is accurate. However, their conclusion appears to be based on <em>issues</em> related to my <em>identification</em> documents rather than proof that I authorized the account. \n\nSpecifically, the company <em>stated</em> that my Social <em>Security</em> card appeared tampered and that my <em>identification</em> could not be validated through DMV records."]},"sort":[17.10196,"21117913"]},{"_index":"complaint-public-v1","_id":"21117911","_score":17.090927,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB FOLLOW-UP WHAT HAPPENED WITH CLAIMED INVESTIGATION In my original complaint, I explained that an auto loan was opened in my name without my knowledge or authorization around XX/XX/year>, with an original balance of approximately {$53000.00}. \n\nAfter submitting my complaint and identity theft documentation, the company responded stating that they attempted to verify my identity and concluded the account is accurate. However, their conclusion appears to be based on issues related to my identification documents rather than proof that I authorized the account. \n\nSpecifically, the company stated that my Social Security card appeared tampered and that my identification could not be validated through DMV records. These issues are directly related to the identity theft I reported. My identification was impacted as part of the fraudulent activity, including my ID being canceled due to misuse of my identity.\n\nThe company has not provided any documentation showing that I : Applied for the loan Signed any contract Took possession of any vehicle Instead, they relied on the condition or status of my identification documents to conclude the account is valid. \n\nI have already : Disputed the account with the credit bureaus Filed an official Identity Theft Report with the Federal Trade Commission Provided notice that this account was opened without my authorization Despite this, the account continues to be reported as mine. \n\nThis is not a proper investigation. The presence of identity theft should require verification of authorization, not a conclusion based on document irregularities. \n\n\nWHAT I AM REQUESTING I am requesting that the company : Delete the account from all consumer reporting agencies immediately Cease reporting and any further activity related to this account Correct their records to reflect that this account was opened as a result of identity theft If the company maintains that the account is valid, they must provide actual documentation showing that I authorized the account, including a signed contract and proof of vehicle possession. \n\nThe account was not opened by me, and continued reporting is causing ongoing harm. \n\nAs part of resolving this identity theft situation, I am currently in the process of correcting and updating my identification documents. My identification was affected due to the fraudulent activity, which has required me to work with the appropriate agencies to restore accurate records. \n\nPlease also note that I am currently XXXX months XXXX, so there may be slight delays as I complete this process. I am actively working to provide any necessary documentation as quickly as possible.","date_sent_to_company":"2026-04-10T03:51:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"92109","tags":null,"has_narrative":true,"complaint_id":"21117911","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2026-04-10T03:30:39.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["After submitting my complaint and identity theft documentation, the company responded <em>stating</em> that they attempted to verify my identity and concluded the account is accurate. However, their conclusion appears to be based on <em>issues</em> related to my <em>identification</em> documents rather than proof that I authorized the account. \n\nSpecifically, the company <em>stated</em> that my Social <em>Security</em> card appeared tampered and that my <em>identification</em> could not be validated through DMV records."]},"sort":[17.090927,"21117911"]},{"_index":"complaint-public-v1","_id":"5838146","_score":17.054234,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have had a checking account with Penfed for over 2 years. A fraud hold was placed on my account. I was informed I had to provide documents to validate my identity to remove the fraud alert. I have provided a copy of my State Issued ID, Social Security Card, and Utility Bill. I submitted all requested documents and was informed that it would take 48 to 72 business hours for the fraud department to review each document. The documents were uploaded on XX/XX/XXXX and XX/XX/XXXX. I contacted Penfed via email on XX/XX/XXXX, XXXX, XXXX, and XXXX. I emailed Penfed on XX/XX/XXXX, XXXX, and XXXX. I also sent them a letter on XX/XX/XXXX, that was received on XX/XX/XXXX. I have called them on those days that I sent them emails requesting status updates. Each time I contact them I have been told that the issue has escalated and that I will be contacted shortly. I have spoken to numerous supervisors who have all stated the same. I have XXXX friends who have submitted documents for identification and each of them has had their accounts opened with no issues. Penfed has taken a discriminatory stance as there has been no valid reason given why the process of identification has taken over two weeks when I was told it would only take a maximum of three business days.","date_sent_to_company":"2022-08-03T21:59:36.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"35244","tags":null,"has_narrative":true,"complaint_id":"5838146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2022-08-03T21:46:32.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["Each time I contact them I have been told that the <em>issue</em> has escalated and that I will be contacted shortly. I have spoken to numerous supervisors who have all <em>stated</em> the same. I have XXXX friends who have submitted documents for <em>identification</em> and each of them has had their accounts opened with no <em>issues</em>."]},"sort":[17.054234,"5838146"]},{"_index":"complaint-public-v1","_id":"13428911","_score":16.985119,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Huntington Bank XXXX XXXX XXXX, I am writing to report a troubling and inconsistent experience I had with your XXXX, SC branch regarding identification requirements. \n\nDuring my initial visit, I presented a photo of my government-issued ID along with my physical Social Security card , and these documents were accepted in person for my transaction. Based on this approval, I later followed up by email and provided a copy of my official temporary drivers license issued by the State of Michiganonly to be told it was now being declined. \n\nI acted in good faith based on what your branch staff approved in person. The reversal after I submitted an even more official, state-issued document is confusing and feels arbitrary. The Michigan temporary license is a legal document and should carry more weight than a photograph of an ID, which your team had already accepted. \n\nI respectfully request : 1. A formal explanation of why my documents were accepted initially and then later rejected ; 2. Clarification on what Huntingtons actual policy is for temporary government-issued identification ; 3. A resolution that allows me to continue using my account and accessing banking services without further obstacles, given that Ive provided valid legal documents. \n\nIf this issue is not resolved appropriately, I am prepared to submit a formal complaint to the Consumer Financial Protection Bureau. \n\nThank you for your time and attention. I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-09T21:38:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"281XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13428911","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2025-05-09T21:30:47.000Z","state":"NC","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Dear Huntington Bank XXXX XXXX XXXX, I am writing to report a troubling and inconsistent experience I had with your XXXX, SC branch regarding <em>identification</em> requirements. \n\nDuring my initial visit, I presented a photo of my government-<em>issued</em> ID along with my physical Social <em>Security</em> card , and these documents were accepted in person for my transaction."]},"sort":[16.985119,"13428911"]},{"_index":"complaint-public-v1","_id":"8522502","_score":16.930676,"_source":{"product":"Debt or credit management","complaint_what_happened":"Introduction : The purpose of this report is to address the issue of a sudden XXXX drop in the user 's credit score with Experian, accompanied by a lack of explanation and difficulties in obtaining clear answers from customer representatives. Additionally, the user expresses frustration with the extensive identification verification process. \n\nCredit Score Drop : The user reports a significant drop in their credit score without receiving any explanation from Experian. This situation raises concerns about transparency in the credit reporting process and the impact of such fluctuations on individuals ' financial well-being. \n\nCommunication with Customer Representatives : Despite seeking clarification from Experian 's customer representatives, the user claims they were unable to obtain satisfactory answers. This lack of responsiveness raises questions about the effectiveness of Experian 's customer support in addressing and resolving customers ' concerns. \n\nIdentification Verification Process : The user expresses frustration with Experian 's identification verification process, stating that they were required to submit multiple copies of their ID, Social Security information, and bills. This raises concerns about the security and efficiency of Experian 's systems, as well as the user experience in dealing with identity verification procedures. \n\nRecommendations : Improved Transparency : Experian should enhance transparency in communicating credit score changes to users by providing detailed explanations for score fluctuations. \nCustomer Support Training : Experian should invest in comprehensive training for customer representatives to ensure they can address customer concerns effectively and provide accurate information. \nStreamlined Identification Verification : Experian should review and streamline its identification verification process to ensure security without causing unnecessary inconvenience to users. Clear communication about the necessity of each document submission could also improve user experience. \nConclusion : In addressing the reported issues, Experian should prioritize transparency, efficient customer support, and an improved identification verification process. This will not only enhance the user experience but also contribute to the overall reliability and trustworthiness of Experian 's credit reporting services. \nAlso an ongoing issue with XXXXXXXX XXXX  and XXXX that has significantly impacted my credit score without valid reasons or explanations. \n\nIn their recent response to my inquiry, XXXXXXXX XXXX alleges a late payment dating back to XX/XX/XXXX, for which I made a {$500.00} teller payment on that same day. Strangely, they claim this was the only delinquency of more than 30 days on my account and that it remained unreported until XXXX when I paid off the account. This information is inaccurate, misleading, and raises serious concerns about the integrity of their reporting. \n\nFurthermore, Experian recently dropped my credit score by XXXX points without providing any valid reasons or explanations. This recurring issue has persisted for over a year, and it's causing significant distress and harm to my creditworthiness. \n\nI want to highlight the following discrepancies and request your urgent assistance in resolving this matter : Late Payment Inconsistency : The alleged late payment in XXXX was not reported until XXXX, which raises questions about the accuracy and validity of this claim. \nTitle Holder Error : The title application indicates that the names on the title were XXXX XXXX and XXXX XXXX. However, the title should only be under XXXX XXXX, as XXXX was merely a cosigner. This misinformation is affecting my credit and should be rectified. \nXXXX Score Drop : Experian, dropped my credit score by XXXX points without providing any explanation. This unjustified action is detrimental to my financial standing and requires immediate attention. \nStolen Car Situation : XXXXXXXX XXXX XXXX response did not address my stolen car situation, demonstrating a lack of attention to a critical matter. \nI am seeking your intervention to rectify these inaccuracies, ensure fair and accurate reporting, and prevent further unwarranted damage to my credit. Your prompt assistance in this matter is crucial, and I appreciate your attention to resolving this ongoing issue.","date_sent_to_company":"2024-03-11T22:35:25.000Z","issue":"Didn't provide services promised","sub_product":"Debt settlement","zip_code":"774XX","tags":null,"has_narrative":true,"complaint_id":"8522502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-11T22:12:02.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["<em>Identification</em> Verification Process : The user expresses frustration with Experian 's <em>identification</em> verification process, <em>stating</em> that they were required to submit multiple copies of their ID, Social <em>Security</em> information, and bills. This raises concerns about the <em>security</em> and efficiency of Experian 's systems, as well as the user experience in dealing with identity verification procedures."]},"sort":[16.930676,"8522502"]},{"_index":"complaint-public-v1","_id":"10957631","_score":16.842392,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Description of What Happened : On XXXX XXXX XXXXXX/XX/year>, I submitted a request to LexisNexis Risk Solutions for a security freeze on my consumer file, as authorized under the Fair Credit Reporting Act ( FCRA ). Along with my request, I provided all required identification and address verification documents, including a valid U.S. passport and utility bill dated XX/XX/year>, as proof of address, per their stated requirements. \n\nOn XX/XX/year>, LexisNexis responded, claiming that my documents were insufficient or illegible. These claims are false, as the U.S. passport I submitted is a valid, government-issued document, and the utility bill clearly lists my name and address. \n\nFollowing their response, I sent a follow-up communication on XX/XX/year>, reiterating that all documents were correctly submitted and demanding that LexisNexis comply with my request. Despite my efforts, LexisNexis has failed to process the freeze or provide an adequate explanation for their refusal.\n\nThis failure to act violates 15 U.S.C. 1681c-1 of the FCRA, which mandates prompt compliance with valid security freeze requests. Their delay creates unnecessary risk to my personal and financial security, especially given the increasing prevalence of identity theft and fraud. \n\nActions I Have Taken : Submitted all required documentation on XX/XX/year>, including a valid government-issued passport and proof of address. \nFollowed up with additional communication on XX/XX/year>, demanding compliance. \nFiled complaints with the Federal Trade Commission ( FTC ) and my state Attorney General 's office on XX/XX/year>, regarding their noncompliance. \nDespite these efforts, LexisNexis continues to refuse to comply with its legal obligations, leaving my consumer file unprotected. \n\nWhat I Am Seeking : I am requesting the CFPB to take the following actions : Require LexisNexis to immediately place the security freeze on my consumer file. \nEnsure LexisNexis provides written confirmation of the security freeze. \nInvestigate whether LexisNexis has engaged in systemic noncompliance with the FCRA that may harm other consumers.\n\nLexisNexiss willful and reckless failure to act has caused me significant frustration and put my personal information at risk. I urge the CFPB to enforce their compliance with the FCRA and hold them accountable for this unacceptable delay.","date_sent_to_company":"2024-11-28T14:38:42.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"10957631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-11-28T14:15:33.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Description of What Happened : On XXXX XXXX XXXXXX/XX/year>, I submitted a request to LexisNexis Risk Solutions for a <em>security</em> freeze on my consumer file, as authorized under the Fair Credit Reporting Act ( FCRA ). Along with my request, I provided all required <em>identification</em> and address verification documents, including a <em>valid</em> U.S. passport and utility bill dated XX/XX/year>, as proof of address, per their <em>stated</em> requirements."]},"sort":[16.842392,"10957631"]},{"_index":"complaint-public-v1","_id":"21769038","_score":16.797691,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint against Synchrony Bank for refusing to update my legal name on my account despite my providing valid, government-issued documentation confirming my legal name change as recognized by the Social Security Administration . The documents were refused.\n\nI contacted Synchrony Bank to request a legal name update on my account. I advised the representative that I had my updated Social Security card and drivers license available -the standard documentation required for a legal name change. The representative refused to process the update and indicated they would mail something instead, effectively denying my request at the time of contact. \n\nAdditionally, the representative stated that Synchrony Bank needed to know the reason for the name change - specifically whether it was related to marriage or divorce. I am not legally required to disclose the personal circumstances surrounding a legal name change. I confirmed it was the result of a legal process, which is the full extent of what any financial institution is entitled to ask. The representative continued to press for further detail, which I consider an unlawful and invasive line of inquiry. \nMy legal name as recognized by the Social Security Administration and reflected on my government-issued identification is the name I am entitled to have reflected on my financial accounts. Synchrony Banks refusal to honor valid legal documentation and their demand for unnecessary personal disclosures as a condition of processing this update may constitute a violation of consumer protection law and the Fair Credit Reporting Act.\n\nI am requesting that the CFPB investigate this matter and require Synchrony Bank to update my name immediately upon receipt of the documentation I have already confirmed I possess.","date_sent_to_company":"2026-04-30T22:19:51.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"21769038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-04-30T22:12:40.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["My legal name as recognized by the Social <em>Security</em> Administration and reflected on my government-<em>issued</em> <em>identification</em> is the name I am entitled to have reflected on my financial accounts. Synchrony Banks refusal to honor <em>valid</em> legal documentation and their demand for unnecessary personal disclosures as a condition of processing this update may constitute a violation of consumer protection law and the Fair Credit Reporting Act."]},"sort":[16.797691,"21769038"]},{"_index":"complaint-public-v1","_id":"9662726","_score":16.752172,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Equifax for Inadequate Response and Delay in Addressing My Dispute Dear CFPB, I am writing to file a formal complaint against Equifax for their inadequate response to my dispute submitted through the CFPB Complaint Portal on XX/XX/year>. Despite providing all necessary identification documents and information, Equifax 's response on XX/XX/year>, indicated they were unable to locate my credit file and requested additional documents that had already been submitted. \nCompany 's Response : Equifax stated : \" It is our policy to take each complaint seriously and to respond to complaints swiftly. We have reviewed and considered the information you supplied through the CFPB Complaint Portal. The results are below : We were unable to locate a credit file in our database with the identification information you provided. In order to further assist you, we will need additional documents to verify your identification. Please provide your complete Name, Current and Former Addresses, Social Security Number, and Date of Birth. Please provide a copy of a Valid Social Security Card and Driver 's license. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. '' Issue : Despite providing the required documentation initially, Equifax 's response has delayed the resolution of my dispute and failed to address my concerns adequately. The requested documents were already provided, including my complete name, current and former addresses, Social Security Number, Date of Birth, a valid Social Security Card, and Driver 's License. \nViolations : Equifax 's actions constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : Failure to conduct a proper investigation and address the inaccuracies in my credit report.\n\n15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ) : Failure to maintain accurate and complete information in my credit report.","date_sent_to_company":"2024-07-31T03:13:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30157","tags":null,"has_narrative":true,"complaint_id":"9662726","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-31T03:07:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The results are below : We were unable to locate a credit file in our database with the <em>identification</em> information you provided. In order to further assist you, we will need additional documents to verify your <em>identification</em>. Please provide your complete Name, Current and Former Addresses, Social <em>Security</em> Number, and Date of Birth. Please provide a copy of a <em>Valid</em> Social <em>Security</em> Card and Driver 's license. We hope this resolves your concerns."]},"sort":[16.752172,"9662726"]},{"_index":"complaint-public-v1","_id":"7077527","_score":16.713928,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My previous claim XXXX, against creditor USAA was erroneously closed based on USAA making a false statement to CFPB. USAA represented to CFPB that I did not provide the requested front and back of state issued photo identification. Not only did I send the requested front and bank of my state issued identification, but also sent copies of my passport and social security card on XX/XX/2023 @ XXXX and the fax completed @ XXXX after receiving the USAA email XX/XX/2023 XXXX. I anticipated this happening, I'm not sure WHY the CFPB would take the word of the ECOA and FCRA violator without any conformation from the complainant, baffling. Nonetheless, I have attach all supporting documents to prove the validity of USAA declaration that I did not comply with USAA 's request. On XX/XX/2023 @ XXXX, I received a call from XXXX XXXX XXXX XXXX  of USAA and informed her explicitly I would not discuss my complaint with her and she should use the channel the formal complaint was filed with for any response. I then followed up with a XXXX page word document faxed to XXXX, acknowledging her introduction call and not discussing the complaint in any capacity. Those documents are also included with this complaint. At the time of my application my income was {$100000.00}, I've since started my own XXXX XXXX XXXX XXXX XXXX.","date_sent_to_company":"2023-06-06T21:45:52.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"200XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7077527","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-06-06T21:22:54.000Z","state":"DC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["USAA represented to CFPB that I did not provide the requested front and back of <em>state</em> <em>issued</em> photo <em>identification</em>. Not only did I send the requested front and bank of my <em>state</em> <em>issued</em> <em>identification</em>, but also sent copies of my passport and social <em>security</em> card on XX/XX/2023 @ XXXX and the fax completed @ XXXX after receiving the USAA email XX/XX/2023 XXXX."]},"sort":[16.713928,"7077527"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":817,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":817}]}},"product":{"doc_count":817,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":500,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":490},{"key":"Other personal consumer report","doc_count":10}]}},{"key":"Debt 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