{"took":308,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":40683,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4759393","_score":9.97839,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I want to verify the method of verification with the bureaus regarding my accounts in question. I am attaching the letters I created and mailed out a few months ago with the accounts in question. Along with my ID verification to show this is my account.","date_sent_to_company":"2021-09-28T14:25:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11417","tags":null,"has_narrative":true,"complaint_id":"4759393","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-09-28T14:25:00.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I want to <em>verify</em> the method of <em>verification</em> with the bureaus regarding my <em>accounts</em> in <em>question</em>. I am attaching the letters I created and mailed out a few months ago with the <em>accounts</em> in <em>question</em>. Along with my ID <em>verification</em> to show this is my <em>account</em>."]},"sort":[9.97839,"4759393"]},{"_index":"complaint-public-v1","_id":"4759370","_score":9.975337,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I want to verify the method of verification with the bureaus regarding my accounts in question. I am attaching the letters I created and mailed out a few months ago with the accounts in question. Along with my ID verification to show this is my account.","date_sent_to_company":"2021-09-28T14:25:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11417","tags":null,"has_narrative":true,"complaint_id":"4759370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-09-28T14:25:00.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I want to <em>verify</em> the method of <em>verification</em> with the bureaus regarding my <em>accounts</em> in <em>question</em>. I am attaching the letters I created and mailed out a few months ago with the <em>accounts</em> in <em>question</em>. Along with my ID <em>verification</em> to show this is my <em>account</em>."]},"sort":[9.975337,"4759370"]},{"_index":"complaint-public-v1","_id":"3083726","_score":9.871355,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have inquired multiple times with the company to verify HOW DID THEY VERIFY the accounts in question. I have asked whom did they speak with to verify the accounts along with other questions and the could not verify that they legally verified the accounts. \n\nI had asked if they could not tell me how they legally verified the accounts that I would want the accounts removed from my file. \n\nThe company had over 45 days to show proof of their verification process and I have not heard back from the company.","date_sent_to_company":"2018-12-02T17:35:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33971","tags":null,"has_narrative":true,"complaint_id":"3083726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-11-26T17:25:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have inquired multiple times with the company to <em>verify</em> HOW DID THEY <em>VERIFY</em> the <em>accounts</em> in <em>question</em>. I have asked whom did they speak with to <em>verify</em> the <em>accounts</em> along with other <em>questions</em> and the could not <em>verify</em> that they legally <em>verified</em> the <em>accounts</em>. \n\nI had asked if they could not tell me how they legally <em>verified</em> the <em>accounts</em> that I would want the <em>accounts</em> removed from my file."]},"sort":[9.871355,"3083726"]},{"_index":"complaint-public-v1","_id":"3083122","_score":9.850805,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have inquired multiple times with the company to verify HOW DID THEY VERIFY the accounts in question. I have asked whom did they speak with to verify the accounts along with other questions and the could not verify that they legally verified the accounts. \n\nI had asked if they could not tell me how they legally verified the accounts that I would want the accounts removed from my file. \n\nThe company had over 45 days to show proof of their verification process and I have not heard back from the company.","date_sent_to_company":"2018-11-26T17:25:48.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33971","tags":null,"has_narrative":true,"complaint_id":"3083122","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-11-26T17:14:07.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have inquired multiple times with the company to <em>verify</em> HOW DID THEY <em>VERIFY</em> the <em>accounts</em> in <em>question</em>. I have asked whom did they speak with to <em>verify</em> the <em>accounts</em> along with other <em>questions</em> and the could not <em>verify</em> that they legally <em>verified</em> the <em>accounts</em>. \n\nI had asked if they could not tell me how they legally <em>verified</em> the <em>accounts</em> that I would want the <em>accounts</em> removed from my file."]},"sort":[9.850805,"3083122"]},{"_index":"complaint-public-v1","_id":"2647416","_score":9.845792,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was denied a savings account per email they had sent to me as of X/XX/2017 at my XXXX. \n\nThey denied me a savings account they said due to not being able to verify my identity. The questions except for one pertained to me. The questions asked to verify me had nothing to do with me personally and were mortgage or debts or loan questions pertaining to my deceased relatives. \n\nI feel the questions were unfair as they had nothing to do with me and thus was denied a savings account with FNBO XXXX.","date_sent_to_company":"2017-08-25T19:52:26.000Z","issue":"Opening an account","sub_product":"Savings account","zip_code":"60031","tags":null,"has_narrative":true,"complaint_id":"2647416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF OMAHA","date_received":"2017-08-23T15:42:31.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I was denied a savings <em>account</em> per email they had sent to me as of X/XX/2017 at my XXXX. \n\nThey denied me a savings <em>account</em> they said due to not being able to <em>verify</em> my identity. The <em>questions</em> except for one pertained to me. The <em>questions</em> asked to <em>verify</em> me had nothing to do with me personally and were mortgage or debts or loan <em>questions</em> pertaining to my deceased relatives. \n\nI feel the <em>questions</em> were unfair as they had nothing to do with me and thus was denied a savings <em>account</em> with FNBO XXXX."],"product":["Checking or savings <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["Savings <em>account</em>"],"sub_issue":["Unable to open an <em>account</em>"]},"sort":[9.845792,"2647416"]},{"_index":"complaint-public-v1","_id":"2289765","_score":9.702415,"_source":{"product":"Credit reporting","complaint_what_happened":"I have Written TransUnion Several Times via Certified Mail. Regarding the accounts in question.XXXX, XXXX, XXXX, XXXX. These accounts in question have came back Verified but verified with NO documentation within a 30 day period.","date_sent_to_company":"2017-01-14T06:21:13.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"066XX","tags":null,"has_narrative":true,"complaint_id":"2289765","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-01-14T06:21:13.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["Regarding the <em>accounts</em> in <em>question</em>.XXXX, XXXX, XXXX, XXXX. These <em>accounts</em> in <em>question</em> have came back <em>Verified</em> but <em>verified</em> with NO documentation within a 30 day period."]},"sort":[9.702415,"2289765"]},{"_index":"complaint-public-v1","_id":"3094117","_score":9.700011,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian Report number, XXXX I have asked Experian multiple times to verify their methods of how they verified my accounts and every time they send me a letter that they have verified the accounts. \nI have asked specific questions of whom did they speak with? When did they call and whom supplied the information along with other questions to verify that they are actually verifying these accounts. \nFor over 60 days they have not responded to my request to supply the information. Now I am no longer confident that Experian is legally verifying my accounts.","date_sent_to_company":"2018-12-07T16:49:16.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33971","tags":null,"has_narrative":true,"complaint_id":"3094117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-12-07T16:34:17.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Experian Report number, XXXX I have asked Experian multiple times to <em>verify</em> their methods of how they <em>verified</em> my <em>accounts</em> and every time they send me a letter that they have <em>verified</em> the <em>accounts</em>. \nI have asked specific <em>questions</em> of whom did they speak with? When did they call and whom supplied the information along with other <em>questions</em> to <em>verify</em> that they are actually <em>verifying</em> these <em>accounts</em>. \nFor over 60 days they have not responded to my request to supply the information."]},"sort":[9.700011,"3094117"]},{"_index":"complaint-public-v1","_id":"4804593","_score":9.686248,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, I am making a complaint against TransUnion. I have been disputing an account on my credit report that is inaccurate and TransUnion has avoided giving me specific information I have asked for and in return they have failed to properly verify this account. I sent a letter on XX/XX/21 asking TransUnion to investigate an account for accuracy. On XX/XX/21 I was sent a letter stating that this account was verified. On XX/XX/21 I sent a letter stating that I did not agree with the investigation results and asked them to do a re-investigation and to provide the names and addresses of each person with whom they verified the information with, so that I could follow up. ( In which Im entitled to according to the FCRA ). On XX/XX/21 I was sent a response letter stating that the account was verified with no follow up information. On XX/XX/21, I sent a method of verification letter with specific questions asking how the account was verified. ( Again, which Im entitled to according to the FCRA ). On XX/XX/21 I received a response letter stating that the account was verified, with no follow up information to my questions. On XX/XX/21 I sent another method of verification letter asking the same questions. On XX/XX/21 I received a response letter stating that the account was verified, and again, with no follow up information from the questions that I had previously asked.","date_sent_to_company":"2021-10-13T16:47:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"274XX","tags":null,"has_narrative":true,"complaint_id":"4804593","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-10-13T15:11:43.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/21, I sent a method of <em>verification</em> letter with specific <em>questions</em> asking how the <em>account</em> was <em>verified</em>. ( Again, which Im entitled to according to the FCRA ). On XX/XX/21 I received a response letter stating that the <em>account</em> was <em>verified</em>, with no follow up information to my <em>questions</em>. On XX/XX/21 I sent another method of <em>verification</em> letter asking the same <em>questions</em>."]},"sort":[9.686248,"4804593"]},{"_index":"complaint-public-v1","_id":"11086651","_score":9.670674,"_source":{"product":"Checking or savings account","complaint_what_happened":"I called the Chase customer service number and explained that I am unable to log into my Chase bank account online due to the two-step verification. The two-step verification is set to send verification codes to my previous phone number ( XXXX ) that is deactivated, and I no longer have access to. Despite giving my SSN, Credit Card information, city, state, and address, I was told that they could not \" verify my identity '' despite the information given. The individual on the phone wanted me to verify my identity by verifying purchases made with my Chase credit card, purchases going back a year or more, relying on their \" system '' to randomly ask questions about confirming the dates of previous purchases I made ( None of these questions were ones I ever filled out for my security questions, instead are made by Chase 's system, without my input ). I, of course, am unable to remember that exact dates of the purchases I made a year ago, let alone dates of purchases I made more than a year ago. When I was told that this \" system '' stated that my answers to the questions it ( the system, not the individual ) made were wrong, I was told that they ( the individual I was speaking to ) was unable to process my request, which was to change the phone number associated with the two-step verification or change the two-step verification to my security questions, and to call again so that the system could prompt me with new, randomized questions, again none pertaining to my security questions but rather purchases and their dates that were made a year, or more, ago. Keep in mind, some of these questions did not make any sense, like asking what my certifications were. I was asked what certifications I have ( I was given four options ), and none of the options provided were ones I even have certifications in, so I was doomed to not have access to my bank account due to Chase 's system making up questions to ask me, questions that I have to answer correctly so that I can have my request fulfilled.","date_sent_to_company":"2024-12-09T21:15:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"86004","tags":null,"has_narrative":true,"complaint_id":"11086651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-09T20:41:06.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["I called the Chase customer service number and explained that I am unable to log into my Chase bank <em>account</em> online due to the two-step <em>verification</em>. The two-step <em>verification</em> is set to send <em>verification</em> codes to my previous phone number ( XXXX ) that is deactivated, and I no longer have access to. Despite giving my SSN, Credit Card information, city, state, and address, I was told that they could not \" <em>verify</em> my identity '' despite the information given."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Problem accessing <em>account</em>"]},"sort":[9.670674,"11086651"]},{"_index":"complaint-public-v1","_id":"3575046","_score":9.485671,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX, I tried to open a My Social Security account. In order to verify my identity, the form asked questions based on Equifax 's credit file for me. The questions related to loans, leases, accounts, addresses, former names, etc. that did not pertain to me. \n\nI called Equifax 's help center & was presented with a similar set of questions that Social Security presented me. I could not answer the questions, as these were not my accounts, loans, etc. The person refused to speak to me because I could not answer the questions. \n\nFor the next 6 days, I tried both Equifax & Social Security again. Each time had similar error questions. \n\nOn XXXX, I called Equifax again. The problem remained. I asked for a supervisor and the call was terminated by Equifax. I called back & was told to send certain information to Equifax so that i could repair the problem. I faxed the information immediately. \n\nOn XXXX I received a mailed credit report from Equifax. The error information from XXXX, etc. was not on the report. I called Equifax back. Again I was presented with several questions to verify my identity. The questions still related to someone else, so the agent would not speak to me. I asked for a supervisor & the call was again terminated by Equifax. \n\nOn XXXX I tried calling Equifax again. The same incidents occurred. No agent would speak with me. I asked for a supervisor and the call was terminated by Equifax. \n\nFor several days, I called Equifax again. The problem with the questions remained the same and again, a sking for a supervisor resulted in being disconnected. \n\nOn XXXX, I wrote to the CEO of Equifax ( by US Mail ). \nAs of this date ( XXXX ) I have received no reply and the call-in questions remain the same. \n\nIt appears that Equifax has my file mixed with someone else 's file, at least for the part that is used to verify ones identity. \nTherefore : A ) I am prevented from answering identity verification questions for any entity that uses Equifax for such verification. The Social Security Administration is one example. Equifax themselves is another. \nB ) I am prevented from ever speaking with anyone from Equifax to correct any erros which may exist on my credit file. \nC ) I am prevented from enrolling in Equifax 's on line system to monitor, lock or dispute my account. \n\nI apologize for taking your time, but I am out of options to get this computer error repaired. \nThank You for helping. XXXX","date_sent_to_company":"2020-03-21T14:52:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"480XX","tags":"Older American","has_narrative":true,"complaint_id":"3575046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-03-21T14:26:11.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XXXX, I tried to open a My Social Security <em>account</em>. In order to <em>verify</em> my identity, the form asked <em>questions</em> based on Equifax 's credit file for me. The <em>questions</em> related to loans, leases, <em>accounts</em>, addresses, former names, etc. that did not pertain to me. \n\nI called Equifax 's help center & was presented with a similar set of <em>questions</em> that Social Security presented me. I could not answer the <em>questions</em>, as these were not my <em>accounts</em>, loans, etc."]},"sort":[9.485671,"3575046"]},{"_index":"complaint-public-v1","_id":"14674641","_score":9.478033,"_source":{"product":"Mortgage","complaint_what_happened":"Hello, This reply is in reference to Complaint # XXXX. \n\nI have requested information for the past XXXX plus years from Bank of America, however they always fail to respond to my questions. This complaint has recently been closed twice because a follow up letter from the them stated an investigation was done on their end and it resulted in \" no discrepancies found ''. \n\nI am attaching XXXX documents. \n\nThese are my XXXX simple questions concerning items ( # XXXX thru XXXX ) listed on the Settlement Statement.\n\n1. Explain ... Why is my Settlement Statement dated and time stamped a day after the Closing date? \nXXXX. Verify ...... Who were the owners of these debt accounts? \nXXXX. Verify ...... What bank/bank account was this money deposited into? \nXXXX. Verify ...... Where were the funds for the XXXX Mortgage deposited? ( account name/number/bank ) Note : My wife and I have never had a XXXX XXXX. \nMy wife and I have never had a XXXX XXXX account. \nMy wife and I did not own this XXXX XXXX card debt in XXXX. \nMy wife and I did not own several debts listed on this form. \n\nCan someone from Bank of America send me : XXXX an explanation to question # XXXX XXXX verifications to questions XXXX, XXXX, & XXXX. \nThat's all I ask! \n\nIf Bank of America has completed their investigation and the results indicated no discrepancies were found, then is should not be a problem for them to send me a valid explanation to question # XXXX and verification documentation showing the money trail to the questions XXXX, XXXX & XXXX above. \n\nSend me the documentation showing your findings! \n\nXXXX... please do not send me another payment summary dating back to XXXX, you've sent me enough of them and they do not answer my questions.","date_sent_to_company":"2025-07-16T00:39:56.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"33325","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14674641","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-07-15T23:01:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Changes in loan terms during or after closing"},"highlight":{"complaint_what_happened":["<em>Verify</em> ...... Who were the owners of these debt <em>accounts</em>? \nXXXX. <em>Verify</em> ...... What bank/bank <em>account</em> was this money deposited into? \nXXXX. <em>Verify</em> ...... Where were the funds for the XXXX Mortgage deposited? ( <em>account</em> name/number/bank ) Note : My wife and I have never had a XXXX XXXX. \nMy wife and I have never had a XXXX XXXX <em>account</em>. \nMy wife and I did not own this XXXX XXXX card debt in XXXX. \nMy wife and I did not own several debts listed on this form."]},"sort":[9.478033,"14674641"]},{"_index":"complaint-public-v1","_id":"9399121","_score":9.437515,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I been consistently trying to get account validation, statements and proof I own accounts. No proof has been sent. No statements no nothing, but the credit bureaus keep verifying the account with no proof. I just filed another identity theft affidavit, and now Experian and XXXX is saying they cant locate my credit profile or verify my identity after I sent all documents they requested from me. I cant call in to speak to a credit specialist because everytime I call in, they ask me verification questions. When I answer the questions correctly, they tell me Im wrong on questions when I know the answers. The information in their database is incorrect and the credit bureau dont offer me a way to correct the info.","date_sent_to_company":"2024-07-01T20:00:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19963","tags":"Older American","has_narrative":true,"complaint_id":"9399121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-01T19:25:32.000Z","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 been consistently trying to get <em>account</em> validation, statements and proof I own <em>accounts</em>. No proof has been sent. No statements no nothing, but the credit bureaus keep <em>verifying</em> the <em>account</em> with no proof. I just filed another identity theft affidavit, and now Experian and XXXX is saying they cant locate my credit profile or <em>verify</em> my identity after I sent all documents they requested from me."]},"sort":[9.437515,"9399121"]},{"_index":"complaint-public-v1","_id":"1939577","_score":9.435177,"_source":{"product":"Credit reporting","complaint_what_happened":"I will keep writing complaints until the correct action is taken either by sending me something through the Consumer Financial Protection Bureau that contains my personal information or block it on my credit report. XXXX XXXX XXXX has told me that a name is on the account in question that is not mine and I do not know this person. I question Equifax 's proof of verification when they have not sent me the proof. I will back off when XXXX XXXX XXXX contacts me saying their investigation proves the account was open fradulently, until then the information should be blocked. I also question Equifax 's proof of verification when another credit reporting agency could not get verification so the account was blocked. I will keep writing until this is corrected.","date_sent_to_company":"2016-05-24T21:40:44.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"23322","tags":null,"has_narrative":true,"complaint_id":"1939577","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-05-24T21:40:43.000Z","state":"VA","company_public_response":null,"sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["I also <em>question</em> Equifax 's proof of <em>verification</em> when another credit reporting agency could not get <em>verification</em> so the <em>account</em> was blocked. I will keep writing until this is corrected."]},"sort":[9.435177,"1939577"]},{"_index":"complaint-public-v1","_id":"9398978","_score":9.428966,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I been consistently trying to get account validation, statements and proof XXXX own accounts. No proof has been sent. No statements no nothing, but the credit bureaus keep verifying the account with no proof. I just filed another XXXX XXXX  affidavit, and now XXXX and TransUnion is saying they cant locate my credit profile or verify my identity after I sent all documents they requested from me. I cant call in to speak to a XXXX XXXX because everytime I call in, they ask me verification questions. When I answer the questions correctly, they tell me Im wrong on questions when I know the answers. The information in their database is incorrect and the credit bureau XXXX XXXXXXXX me a way to correct the info.","date_sent_to_company":"2024-07-01T20:00:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19963","tags":"Older American","has_narrative":true,"complaint_id":"9398978","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-01T20:00:24.000Z","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 been consistently trying to get <em>account</em> validation, statements and proof XXXX own <em>accounts</em>. No proof has been sent. No statements no nothing, but the credit bureaus keep <em>verifying</em> the <em>account</em> with no proof. I just filed another XXXX XXXX  affidavit, and now XXXX and TransUnion is saying they cant locate my credit profile or <em>verify</em> my identity after I sent all documents they requested from me."]},"sort":[9.428966,"9398978"]},{"_index":"complaint-public-v1","_id":"9395999","_score":9.428966,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I been consistently trying to get account validation, statements and proof I own accounts. No proof has been sent. No statements no nothing, but the credit bureaus keep verifying the account with no proof. I just filed another XXXX XXXX  affidavit, and now XXXX and XXXX is saying they cant locate my credit profile or verify my identity after I sent all documents they requested from me. I cant call in to speak to a XXXX XXXX because everytime I call in, they ask me verification questions. When I answer the questions correctly, they tell me Im wrong on questions when I know the answers. The information in their database is incorrect and the credit bureau dont offer me a way to correct the info.","date_sent_to_company":"2024-07-01T20:00:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19963","tags":"Older American","has_narrative":true,"complaint_id":"9395999","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-01T20:00:24.000Z","state":"DE","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I been consistently trying to get <em>account</em> validation, statements and proof I own <em>accounts</em>. No proof has been sent. No statements no nothing, but the credit bureaus keep <em>verifying</em> the <em>account</em> with no proof. I just filed another XXXX XXXX  affidavit, and now XXXX and XXXX is saying they cant locate my credit profile or <em>verify</em> my identity after I sent all documents they requested from me. I cant call in to speak to a XXXX XXXX because everytime I call in, they ask me <em>verification</em> <em>questions</em>."]},"sort":[9.428966,"9395999"]},{"_index":"complaint-public-v1","_id":"9528269","_score":9.424487,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I submitted a complaint to Transunion requesting validation of debts and signed contracts relating to accounts being disputed on my credit report. Transunion responded with all accounts being verified with no information on how accounts were verified. I only recieved letters from of the accounts in question but those letters did not verify nor validate anything. \nXXXX XXXX XXXX - a bill was sent from XXXX XXXX XXXX XXXX XXXX as requested. \nXXXX. XXXX- sent a letter but it did not verify or validate anything. \n*I recieved nothing in regards to any other account in question","date_sent_to_company":"2024-07-16T20:32:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19133","tags":null,"has_narrative":true,"complaint_id":"9528269","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-16T20:03:09.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX- sent a letter but it did not <em>verify</em> or validate anything. \n*I recieved nothing in regards to any other <em>account</em> in <em>question</em>"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[9.424487,"9528269"]},{"_index":"complaint-public-v1","_id":"20687836","_score":9.383237,"_source":{"product":"Checking or savings account","complaint_what_happened":"Wels Fargo bank constantly freeze my account after verification then attaching new verification process questions. Their harass the account holder and asking me over ten year old security questions which I open with this bank 10 years ago. They know Im the account holder. THEY ALSO DO NOT HAVE A BANK BRANCH IN THE STATE OF OHIO I OPENED ONE UP ONLINE.","date_sent_to_company":"2026-03-26T18:47:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"452XX","tags":"Servicemember","has_narrative":true,"complaint_id":"20687836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-26T18:37:51.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Wels Fargo bank constantly freeze my <em>account</em> after <em>verification</em> then attaching new <em>verification</em> process <em>questions</em>. Their harass the <em>account</em> holder and asking me over ten year old security <em>questions</em> which I open with this bank 10 years ago. They know Im the <em>account</em> holder. THEY ALSO DO NOT HAVE A BANK BRANCH IN THE STATE OF OHIO I OPENED ONE UP ONLINE."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Problem accessing <em>account</em>"]},"sort":[9.383237,"20687836"]},{"_index":"complaint-public-v1","_id":"4205160","_score":9.376451,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted Equifax on XXXX XXXX to check the status of a dispute. Equifax has an extremely difficult process that makes it very hard for a legitimate customer to verify their identity. The representative asked me a series of questions regarding present and past accounts as well as the monthly payment amount in order to verify identity. I literally pulled my Equifax credit report and provided the answers to the represntatives questions that were contained within the Equifax credit report. The representative informed me that I failed the identity verification and needed to send in proof of identity which could take up to 30 days. I had one simple question which I was able to call the other bureaus and receive the response in a matter of minutes. My complaint is that Equifax makes it nearly impossible for customers to speak with a representative to verify information that is within their credit report especially when the answers to their questions are derived from their online credit report which I pay for monthly. Please provide assistance in this horrible practice.","date_sent_to_company":"2021-03-11T21:45:00.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"28273","tags":null,"has_narrative":true,"complaint_id":"4205160","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-03-11T21:30:49.000Z","state":"NC","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Equifax has an extremely difficult process that makes it very hard for a legitimate customer to <em>verify</em> their identity. The representative asked me a series of <em>questions</em> regarding present and past <em>accounts</em> as well as the monthly payment amount in order to <em>verify</em> identity. I literally pulled my Equifax credit report and provided the answers to the represntatives <em>questions</em> that were contained within the Equifax credit report."]},"sort":[9.376451,"4205160"]},{"_index":"complaint-public-v1","_id":"2780270","_score":9.361303,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was trying to add a newly issued Chase credit card to my existing online account. I called Chase customer service to request their assistance. They made two attempts to send me a verification code via text, both of which failed. The rep then transferred me over to a member of their security team for alternative verification. He proceeded to ask me questions to which I responded correctly. He then started to ask me questions about my sister. I confirmed the name of my sister, which is straightforward enough. He then asked me for her birthday, at which point I refused and questioned the legality of him asking questions about an individual who had not given her consent during the conversation. I said I would not answer the questions. He threatened to put my account on hold. \n\nI then recalled that my provider XXXX occasionally blocks these kinds of text messages. I called XXXX and sure enough, they had to change some settings on my account to let the messages through. \n\nUpon calling Chase, I was immediately transferred to the Fraud Department because the security guy had indeed blocked my account. Because I was now able to verify with the text code, my account hold was removed. I then asked again about the legality of being asked questions about my sister and was not given a satisfactory answer. \n\nI do not see how it can be legal for any financial institution to ask questions about and individual not present during the conversation and therefore unable to give consent.","date_sent_to_company":"2018-01-12T17:18:05.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"10011","tags":null,"has_narrative":true,"complaint_id":"2780270","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-01-12T17:04:27.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["I was trying to add a newly issued Chase credit card to my existing online <em>account</em>. I called Chase customer service to request their assistance. They made two attempts to send me a <em>verification</em> code via text, both of which failed. The rep then transferred me over to a member of their security team for alternative <em>verification</em>. He proceeded to ask me <em>questions</em> to which I responded correctly. He then started to ask me <em>questions</em> about my sister."]},"sort":[9.361303,"2780270"]},{"_index":"complaint-public-v1","_id":"2893274","_score":9.331036,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my second time disputing these accounts that is showing on my report inwhich is not mines and possibly could be the after affect of Equifax breach, I been told that these accounts been verified, but the real question is verified by who and supported by what physical documentation. According to the F.C.R.A., once disputed and not physically verified the reporting agency is to remove it from ones report. However, this is a serious issue when one doesn't comply. The accounts that's in question and needs to be removed are XXXX XXXX XXXX, and all of the XXXX XXXX XXXX","date_sent_to_company":"2018-05-01T06:15:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63136","tags":null,"has_narrative":true,"complaint_id":"2893274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-05-01T06:03:56.000Z","state":"MO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The <em>accounts</em> that's in <em>question</em> and needs to be removed are XXXX XXXX XXXX, and all of the XXXX XXXX XXXX"]},"sort":[9.331036,"2893274"]},{"_index":"complaint-public-v1","_id":"2893276","_score":9.327852,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my second time disputing these accounts that is showing on my report inwhich is not mines and possibly could be the after affect of XXXX breach, I been told that these accounts been verified, but the real question is verified by who and supported by what physical documentation. According to the F.C.R.A., once disputed and not physically verified the reporting agency is to remove it from ones report. However, this is a serious issue when one doesn't comply. The accounts that's in question and needs to be removed are XXXX XXXX XXXX, and all of the XXXX XXXX XXXX","date_sent_to_company":"2018-05-01T06:15:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63136","tags":null,"has_narrative":true,"complaint_id":"2893276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-05-01T06:15:13.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The <em>accounts</em> that's in <em>question</em> and needs to be removed are XXXX XXXX XXXX, and all of the XXXX XXXX XXXX"]},"sort":[9.327852,"2893276"]},{"_index":"complaint-public-v1","_id":"11805644","_score":9.316087,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Spring Oaks Captial has a collection listed on my report that is past the statute of limitations allowed by the FCRA. The account in question from the original creditor, went delinquent midyear XXXX. As of this date, the account in question is past the 7-year limitations provided by the FCRA. I have disputed the account with the creditor, and they verified everything as accurate, but noted they changed the date on the account to XXXX XXXX XXXXXXXX. If a change was made to their records, obviously it can not be verified as accurate.","date_sent_to_company":"2025-01-28T20:45:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"63501","tags":null,"has_narrative":true,"complaint_id":"11805644","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-01-28T20:30:19.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The <em>account</em> in <em>question</em> from the original creditor, went delinquent midyear XXXX. As of this date, the <em>account</em> in <em>question</em> is past the 7-year limitations provided by the FCRA. I have disputed the <em>account</em> with the creditor, and they <em>verified</em> everything as accurate, but noted they changed the date on the <em>account</em> to XXXX XXXX XXXXXXXX. If a change was made to their records, obviously it can not be <em>verified</em> as accurate."]},"sort":[9.316087,"11805644"]},{"_index":"complaint-public-v1","_id":"11473510","_score":9.307006,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive suspected for a long time that someone are a group of people have been invading my privacy and stole my identity. I recently was going through questions asked by the service XXXX XXXX XXXX pertaing to my credit report to verify myself based on my personal information that I entered at XXXX XXXX XXXXcreate-account and the questions they asked about things on my credit report i did not regconize and had no idea of them being there. I was denied verification to create my account due to me not answering the questions correct that was reflected from my credit report.","date_sent_to_company":"2025-01-10T17:15:34.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"705XX","tags":null,"has_narrative":true,"complaint_id":"11473510","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-10T16:48:51.000Z","state":"LA","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 recently was going through <em>questions</em> asked by the service XXXX XXXX XXXX pertaing to my credit report to <em>verify</em> myself based on my personal information that I entered at XXXX XXXX XXXXcreate-<em>account</em> and the <em>questions</em> they asked about things on my credit report i did not regconize and had no idea of them being there. I was denied <em>verification</em> to create my <em>account</em> due to me not answering the <em>questions</em> correct that was reflected from my credit report."]},"sort":[9.307006,"11473510"]},{"_index":"complaint-public-v1","_id":"2359827","_score":9.305422,"_source":{"product":"Credit card","complaint_what_happened":"Hi, I called Chase Credit card customer care number XXXX on XX/XX/2017 at around XXXX. \n\nThe executive was n't talking professionally and was n't able to give me complete information. He seemed to be untrained and without sufficient knowledge. Prior to that, he asked for my SSN and asked for account password or security question ( my mother 's maiden name ) to verify my identity. \n\nI need to know if it is a standard procedure at Chase to ask SSN and account password for verification purpose? But, why shall I share my security question or account password? \n\nBut anyhow, I had to share my SSN and my mother 's maiden name for verification purpose as he was n't giving me option to answer any other verification questions. \n\nI need assurance that the person to whom I spoke to is a genuine person and my identity details were shared with a reliable customer care executive.","date_sent_to_company":"2017-02-25T03:51:47.000Z","issue":"Customer service / Customer relations","sub_product":null,"zip_code":"27896","tags":null,"has_narrative":true,"complaint_id":"2359827","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-02-25T03:51:46.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Prior to that, he asked for my SSN and asked for <em>account</em> password or security <em>question</em> ( my mother 's maiden name ) to <em>verify</em> my identity. \n\nI need to know if it is a standard procedure at Chase to ask SSN and <em>account</em> password for <em>verification</em> purpose? But, why shall I share my security <em>question</em> or <em>account</em> password? \n\nBut anyhow, I had to share my SSN and my mother 's maiden name for <em>verification</em> purpose as he was n't giving me option to answer any other <em>verification</em> <em>questions</em>."]},"sort":[9.305422,"2359827"]},{"_index":"complaint-public-v1","_id":"15294015","_score":9.30239,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint \" PNC Verification Harassment Unanswered Policy Questions '' Complaint Title : Supplemental Complaint Verification Harassment and PNCs Failure to Respond to Specific Inquiries Summary of the Issue : This is a supplemental complaint to prior CFPB submissions regarding PNC Bank. Despite raising a detailed complaint on XX/XX/XXXX ( Case ID XXXX ) regarding excessive and retaliatory verification requirements, PNC has responded with a generic boilerplate that completely ignores the 19 verification-related questions I submitted for review. \n\nTheir non-response demonstrates not only a refusal to resolve the harassment but an ongoing pattern of evasion and lack of transparency about how they are treating customers who file complaints. \n\nNature of the Verification Harassment : PNC phone representatives have recently required 10+ pieces of personal information far beyond industry standards to speak with a customer, despite successful text code verification. These items include : Full 16-digit debit card number Full account number Current and previous state-issued drivers licenses Full address Full SSN Date of birth Specific branch where account was opened ( from XXXX ) Amount of most recent withdrawal Full email address This far exceeds the XXXX items typically used to verify banking customers and appears to be uniquely applied to me in retaliation for my earlier CFPB filings and police reports related to disputed account activity. \n\nPNC Has Ignored These Critical Questions : PNCs response failed to address or even acknowledge the following specific questions included in the original complaint. These must be answered : Verification Policy : What is PNCs standard verification procedure for existing customers? \n\nHow many items are usually required for verification? \n\nCan PNC provide their written verification policy? \n\nWhy is 10+ items needed in my case when others need XXXX? \n\nPurpose of Specific Requirements : 5. What security value does a XXXX branch opening location serve? \n6. Why request an expired Virginia drivers license?\n\n7. What identity value does yesterdays withdrawal have?\n\n8. Why require full 16-digit debit card over the phone?\n\nTiming and Potential Retaliation : 9. When did PNC change verification rules for my account?\n\n10. Were these changes made after my CFPB filing?\n\n11. Are these practices applied universally or just to me?\n\n12. Is this retaliation for consumer complaint filings? \n\nTraining and Internal Practices : 13. Who trained staff to enforce 10-item verifications?\n\n14. Can I speak to a supervisor who uses standard procedures?\n\n15. Can my account be flagged for normal verification only?\n\n16. Can I receive written documentation of the policy?\n\n17. Will PNC note that excessive verification is harassment?\n\n18. Can I speak with someone who uses normal protocol?\n\n19. Are 10-item verifications used for all customers? \n\n\n\nWhy This Matters : The continued refusal to answer my questions not only delays resolution, but enables future abuse and creates a hostile banking environment. No customer should be punished for filing valid complaints with regulators. \n\nI am therefore asking CFPB to : Require PNC to provide a detailed, itemized, question-by-question response. \n\nInvestigate whether PNCs policy represents retaliation, abuse of internal security protocols, or consumer rights violations.","date_sent_to_company":"2025-08-14T13:57:51.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"15294015","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2025-08-14T13:54:09.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["PNC Has Ignored These Critical <em>Questions</em> : PNCs response failed to address or even acknowledge the following specific <em>questions</em> included in the original complaint. These must be answered : <em>Verification</em> Policy : What is PNCs standard <em>verification</em> procedure for existing customers? \n\nHow many items are usually required for <em>verification</em>? \n\nCan PNC provide their written <em>verification</em> policy? \n\nWhy is 10+ items needed in my case when others need XXXX? \n\nPurpose of Specific Requirements : 5."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Problem accessing <em>account</em>"]},"sort":[9.30239,"15294015"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":40683,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":40683}]}},"product":{"doc_count":40683,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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