Date_received stringlengths 10 10 | Product stringclasses 9
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values | Issue stringlengths 16 80 | Sub_issue stringlengths 11 85 | Consumer_complaint_narrative stringlengths 11 21.3k | Company_public_response stringclasses 9
values | Company stringlengths 3 78 | State stringlengths 2 36 ⌀ | ZIP_code stringlengths 5 5 | Tags stringclasses 3
values | Consumer_consent_provided? stringclasses 1
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value | Date_sent_to_company stringlengths 10 10 | Company response to consumer stringclasses 6
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values | Complaint_ID int64 1.35M 7.78M |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2017-11-24 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | i have been unable to open checking and savings accounts because bank of america in misouri reportedly has some accounts for me that they have listed as fraud. i have never had any account with bank of america and need this removed from my credit. i have been a victim of identity theft and have had several things remov... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | SD | 577XX | null | Consent provided | Web | 2017-11-24 | Closed with explanation | Yes | null | 2,737,256 |
2023-06-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ... | null | EQUIFAX, INC. | FL | 33179 | null | Consent provided | Web | 2023-06-30 | Closed with explanation | Yes | null | 7,191,634 |
2020-07-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have been trying with little success to resolve issues with my Capital One credit card account since XX/XX/XXXX, but to no avail.
Last fall, suddenly I was unable to make payments on my account through Capital Ones online payment portal. I had been making my payments that way for a long time, but the account simply... | null | CAPITAL ONE FINANCIAL CORPORATION | NV | 89502 | Servicemember | Consent provided | Web | 2020-07-21 | Closed with non-monetary relief | Yes | null | 3,755,150 |
2022-10-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. | null | EQUIFAX, INC. | IN | 46123 | null | Consent provided | Web | 2022-10-06 | Closed with explanation | Yes | null | 6,059,256 |
2023-06-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I NOTICE THAT INACCURATE PHONE NUMBERS AND EMPLOYMENT IS BEING REPORTING ON MY CONSUMER CREDITS REPORTS.
ACCORDING TO THE FCRA ( fair credit reporting act ), LEGALLY THESE UNVERIFIED IN AN AUTHORIZED ITEMS MUST BE REMOCVED THESE PHONE NUMBERS THAT ARE BEING REPORTED DOESNT BELONGS TO ME.
I AM NOT A MANGER THAT IS BE... | null | EQUIFAX, INC. | FL | XXXXX | null | Consent provided | Web | 2023-06-22 | Closed with explanation | Yes | null | 7,152,326 |
2020-04-30 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89103 | null | Consent provided | Web | 2020-04-30 | Closed with explanation | Yes | null | 3,630,094 |
2021-03-19 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | Consent not provided. | null | OneMain Finance Corporation | GA | 304XX | null | Consent provided | Web | 2021-03-19 | Closed with explanation | Yes | null | 4,229,421 |
2023-02-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Source Receivables management has been reporting an account that does not belong to me. I have asked several times for valid documentation that this account belongs to me. I have only had phone service through my business with XXXX XXXX XXXX and now currently XXXX. This account was not opened by me and does not belong... | null | Source Receivables Management LLC | NC | 28273 | null | Consent provided | Web | 2023-02-07 | Closed with explanation | Yes | null | 6,543,259 |
2019-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Sequim credit collection still on my report yet is showing a balance. I attached the paid in full statement from my account | Company believes it acted appropriately as authorized by contract or law | Sequium Asset Solutions, LLC | OH | 45005 | null | Consent provided | Web | 2019-08-14 | Closed with explanation | Yes | null | 3,340,543 |
2017-06-09 | Checking or savings account | Checking account | Problem caused by your funds being low | Non-sufficient funds and associated fees | On XXXX , I paid m y car payment bill through bank of America. They decided to process the payment twice. The payment was o n XX/XX/XXXX a nd was for XXXX and then processed again on X/X/2017 for XXXX . <P/><P/><P/> My wife and I are in the process of closing this account and are lowering the balance and... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | OK | 74063 | null | Consent provided | Web | 2017-06-09 | Closed with non-monetary relief | Yes | null | 2,544,124 |
2023-09-15 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Request for Closure of Child Support Case and Removal from Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX for serious violations of my consumer privacy protection rights. Specifically, they have added a child s... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77090 | null | Consent provided | Web | 2023-09-15 | Closed with explanation | Yes | null | 7,555,950 |
2021-04-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts. | null | EQUIFAX, INC. | SC | 292XX | null | Consent provided | Web | 2021-04-12 | Closed with explanation | Yes | null | 4,290,270 |
2022-11-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigating XXXX for their headstrong nonfulfillment of the FCRA XXXX. Under Section XXXX, restrictions on investigative consumer reports [ XXXX U.S.C. XXXX ], you o... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90250 | null | Consent provided | Web | 2022-11-16 | Closed with non-monetary relief | Yes | null | 6,209,662 |
2021-03-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/2020 I attempted to use my Discover card and it declined. I assumed this was because I was in a different city shopping for my daugher 's birthday about an hour from home. What really was going on is that someone hacked my Discover account online, changed my address and contact information, and requested a new... | null | DISCOVER BANK | SC | 29501 | null | Consent provided | Web | 2021-03-13 | Closed with explanation | Yes | null | 4,210,366 |
2023-01-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | TransUnion is in violation and I am pursuing monetary compensation per violation.
( Please see attachment ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 95687 | null | Consent provided | Web | 2023-01-30 | Closed with non-monetary relief | Yes | null | 6,508,440 |
2021-06-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | This is supplement to my original complaint. The loans in question were rehabilitated which means that all records of default should have been removed from my report. They are breaking federal law but leaving the record of default on my account. They literally put each loan in twice in order to keep the record of defau... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28117 | null | Consent provided | Web | 2021-06-14 | Closed with explanation | Yes | null | 4,460,205 |
2019-05-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | XXXX XXXX banks claims I have not made any form a payment towards my credit card but I have, XX/XX/XXXX XXXX XXXX file a missing payment on my account dropping both credit bureaus from 69 points. This is falsely incorrect I need help settling this dispute. I already filed a dispute with one credit bureau, I will starti... | null | Bread Financial Holdings, Inc. | TX | 78207 | null | Consent provided | Web | 2019-05-10 | Closed with explanation | Yes | null | 3,228,411 |
2018-07-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/2018, one month ago I reached out to the credit bureaus in regards to fraudulent items which appear on my credit file. Ive made several attempts to have the items blocked to pursuant to section 605b of the FCRA all to no avail. | null | EQUIFAX, INC. | IL | 60653 | null | Consent provided | Web | 2018-07-14 | Closed with non-monetary relief | Yes | null | 2,963,016 |
2021-10-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | PLEASE HELP ME WITH SOMTHING, IVE BEEN A VICTEM OF IDENITY THEFT.. SOME USED MY CREDIT AN GOT MEDICAL TREATMENT IN MY NAME. I ALSO HAVE AN ACCOUNT THAT WAS REMOVED DUE TO FRAUD AND IT HAS REAPAERED ON MY REPORT. THE PROMBLEM IS THE COLLECTION AGANCY DID NOT SEND ANYTHING IN WRITING SAYING THESE ACCOUNTS WERE BEING ADDE... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33435 | null | Consent provided | Web | 2021-10-11 | Closed with explanation | Yes | null | 4,796,036 |
2019-10-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have sent XXXX and Trans-union everything that they ask me to send them to show that I was a victim of identity theft | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76710 | null | Consent provided | Web | 2019-10-11 | Closed with explanation | Yes | null | 3,403,488 |
2018-05-23 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Problem with customer service | I have called 3 separate times to set up Income Based Repayment plans. each time I'm told they will send the required paperwork and then it never comes. After 3 unsuccessful attempts to receive the info I finally did get paperwork. I filled out required forms submitted them and received confermation that I qualify for ... | null | Navient Solutions, LLC. | NY | 131XX | null | Consent provided | Web | 2018-05-23 | Closed with explanation | Yes | null | 2,915,162 |
2021-01-20 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | My credit score dropped 35 points due to a company that I have never even heard of or received a letter from. If it was from a hospital bill from a XXXX I had at the XXXX XXXX XXXX XXXX who is supposed to be responsible for the bill.So if money is somehow owed, they're supposed to pay it. Other then that, acct # XXXX w... | Company believes the complaint is the result of a misunderstanding | AR Resources, Inc. (FL) | FL | 34698 | null | Consent provided | Web | 2021-01-20 | Closed with explanation | Yes | null | 4,081,921 |
2021-09-29 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Company closed your account | AGAIN I RECEIVED A LETTER FROM DISCOVER STATING THAT I HAVE NOT FILLED OUT FORM 4506-C THE VERY FIRST TIME I WAS JUST ADVISED TO SIGN MY NAME.
THEN RECEIVED A LETTER STATING I DIDN'T COMPLY WITH THE DEMANDS. FILLED OUT FORM 4506-C FOR THE SECOND TIME AND UPLOADED IT HERE AS WELL. IF I NEED TO FILL OUT YET ANOTHER 450... | null | DISCOVER BANK | OH | 445XX | null | Consent provided | Web | 2021-09-29 | Closed with explanation | Yes | null | 4,762,137 |
2022-02-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT. | null | National Credit Adjusters, LLC | NY | 13601 | Servicemember | Consent provided | Web | 2022-02-17 | Closed with explanation | Yes | null | 5,233,655 |
2022-12-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third pa... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28401 | null | Consent provided | Web | 2022-12-09 | Closed with non-monetary relief | Yes | null | 6,296,644 |
2018-07-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX Inquiry from XX/XX/XXXX ... .Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX ... .Miscellaneous Reptg. Agencies I applied for an apartment on XX/XX/XXXX at " XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX '' ..XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX , MD XXXX. Phone : ( XXXX ) XXXX. Someone from this company, ... | null | EQUIFAX, INC. | MD | 20850 | null | Consent provided | Web | 2018-07-15 | Closed with non-monetary relief | Yes | null | 2,963,452 |
2019-03-11 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with customer service | XX/XX/19 they approved the graduate of my card and turndown the offer through the mail | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TX | 75231 | Servicemember | Consent provided | Web | 2019-03-11 | Closed with explanation | Yes | null | 3,176,271 |
2022-11-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previ... | null | EQUIFAX, INC. | AL | 36867 | null | Consent provided | Web | 2022-11-16 | Closed with explanation | Yes | null | 6,205,731 |
2021-12-21 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Card opened as result of identity theft or fraud | XXXX XXXXXXXX XXXX XXXX XXXX CRIMINAL ENFORCEMENT This complaint is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found out your company used and authorize others to use my social security number for the purpose to obtain credit without my authori... | null | CAPITAL ONE FINANCIAL CORPORATION | MD | 20747 | null | Consent provided | Web | 2021-12-21 | Closed with explanation | Yes | null | 5,031,934 |
2021-04-20 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | Hello, I've been having these negative items reporting for a year plus now and Ive been disputing the items. The only response I receive was that it was verified. I want to know who verified it? Also I want letters of validation stating that I owe or borrowed debt from this people. | null | EQUIFAX, INC. | SC | 29115 | null | Consent provided | Web | 2021-04-20 | Closed with explanation | Yes | null | 4,314,520 |
2020-03-08 | Checking or savings account | Checking account | Opening an account | Unable to open an account | Attempted to open a " Simple Account '' account XX/XX/2020. Without explanation -- was declined ( note this is not a credit product, nor would my credit be an issue ). Very weird. I've read Simple discriminates against permanent residents, but I am a citizen. Unaware of anything that would cause KYC issues. No issues w... | null | BBVA FINANCIAL CORPORATION | NY | 10036 | null | Consent provided | Web | 2020-03-08 | Closed with explanation | Yes | null | 3,559,014 |
2023-05-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | On XX/XX/2023, I sent a letter asking to fully validate the reported information and remove anything form my credit report that they couldn't provide a signed, original contract for that correlates each account in question. My credit report was updated, and it stated that the account was correct, and it met FCRA requir... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60619 | null | Consent provided | Web | 2023-05-08 | Closed with explanation | Yes | null | 6,949,312 |
2017-12-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Hello, I have contacted companies on my credit report that you ( XXXX XXXX experian ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | LA | 70043 | null | Consent provided | Web | 2017-12-23 | Closed with non-monetary relief | Yes | null | 2,763,373 |
2021-10-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30260 | Servicemember | Consent provided | Web | 2021-10-26 | Closed with non-monetary relief | Yes | null | 4,843,756 |
2022-11-06 | Checking or savings account | Checking account | Closing an account | Funds not received from closed account | I am XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX number XXXX. Our XXXX XXXX XXXX XXXX have a Us bank business account number XXXX, Routing number XXXX. Our XXXX XXXX XXXX XXXX, Us bank business account are place on hold by Us bank XXXX XXXX with out our authorization or merit. XXXX XXXX XXXX XXXX, ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 93550 | null | Consent provided | Web | 2022-11-06 | Closed with explanation | Yes | null | 6,169,404 |
2022-09-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | in accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX ) has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75052 | null | Consent provided | Web | 2022-09-25 | Closed with non-monetary relief | Yes | null | 6,019,068 |
2018-01-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Someone keeps applying for car loans in my name which has destroyed my credit. I have filed a police report and I have asked the credit bureau to delete all of these inquiries from my report. I havent applied for anything in almost 2 years besides my bank accounts and 2 credit cards. It is against the law to have inacc... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30093 | null | Consent provided | Web | 2018-01-04 | Closed with explanation | Yes | null | 2,771,854 |
2023-04-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | IVE NOTICE UNAUTHORIZED INQUIRIES ON CREDIT REPORT AND NOTICE THAT SOMEONE MAY HAVE APPLIED TO SOMETHING IN MY NAME.
I HAVE SENT MULTIPLE DISPUTES TO REMOVE THESE HARD INQUIRIES THEY ARE FRAUDULENT AND I WANT YOU TO GET THEM REMOVED.
DO TO THE FAIR CREDIT REPORTING ACT LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MU... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 44137 | null | Consent provided | Web | 2023-04-06 | Closed with non-monetary relief | Yes | null | 6,805,184 |
2021-10-11 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | The company has not vaildated the account is mine. I have not received proof of signature for any of the items. Please provide proof and a ledger of the charges. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | NJ | 07106 | null | Consent provided | Web | 2021-10-27 | Closed with explanation | Yes | null | 4,795,465 |
2020-12-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 37167 | null | Consent provided | Web | 2020-12-28 | Closed with explanation | Yes | null | 4,035,180 |
2022-12-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I never gave Experian authorization to furnish enhanced recovery on my consumer report. This was done without my consent. This account is not mines | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19144 | null | Consent provided | Web | 2022-12-03 | Closed with explanation | Yes | null | 6,276,195 |
2023-09-06 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | XX/XX/XXXX - {$84.00} XXXX XXXX XXXX XX/XX/XXXX - {$18.00} XXXX XXXX XXXX These amounts are from an account that was closed and no longer exists after a fraud attempt from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX
XXXX has been contacted several times about this company, yet they have no taken down the page, done a... | null | TOYOTA MOTOR CREDIT CORPORATION | IL | 60643 | null | Consent provided | Web | 2023-09-06 | Closed with explanation | Yes | null | 7,503,231 |
2023-01-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | After taking a look at my credit report while updating my personal information. I realized that there were inaccurate information reporting on my report. I sent Transunion an disputing letter with all the inaccuracies that they was reporting. With proof of my identification and mailing address. However I got a letter s... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29732 | null | Consent provided | Web | 2023-01-11 | Closed with explanation | Yes | null | 6,419,926 |
2023-04-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, has violated my rights.
15 ... | null | EQUIFAX, INC. | CA | 95829 | null | Consent provided | Web | 2023-04-06 | Closed with explanation | Yes | null | 6,803,215 |
2019-10-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33063 | null | Consent provided | Web | 2019-10-04 | Closed with explanation | Yes | null | 3,396,294 |
2022-12-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I disputed a bankruptcy with Experian. They claimed to have verified it though XXXX XXXX. They will not tell me any more information on it. I asked them if they verified it though the courts directly and not a XXXX party. They said no. I then proceeded to ask them to delete this or verify it directly through the courts... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 186XX | Servicemember | Consent provided | Web | 2022-12-21 | Closed with explanation | Yes | null | 6,341,965 |
2022-06-22 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | Midland credit management is using false XXXXnformation on a debt that I'm already paying on. The original ( and only ) creditor is XXXX XXXX which I currently owe {$2700.00} out of XXXX. Midland credit management is claiming That I owe XXXX which I never owed that amount. Midland credit Management stated that the debt... | null | ENCORE CAPITAL GROUP INC. | MD | 21244 | null | Consent provided | Web | 2022-06-22 | Closed with explanation | Yes | null | 5,697,040 |
2022-03-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative inaccurate information reported by Experian in the file you maintain under my Social Security number. Upon reviewing a ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | XXXXX | Servicemember | Consent provided | Web | 2022-03-29 | Closed with explanation | Yes | null | 5,383,019 |
2018-11-28 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | I received a notification on my credit report saying i owe national credit systems for a debt to XXXX XXXX XXXX I called about it and spoke to someone named XXXX and she said they sent out notification on XXXX XXXX that I owe {$930.00} for rent and other fees for my apartment I am on housing and my rent is paid thru th... | null | National Credit Systems,Inc. | TX | 754XX | null | Consent provided | Web | 2018-11-28 | Closed with explanation | Yes | null | 3,085,697 |
2018-08-28 | Credit card or prepaid card | Store credit card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I saw my account with XXXX XXXX reporting something which perked my interst since it seemed incorrect. I went ahead and mailed them on several occasions requesting documents to show what they are reporting are accurate like the date this account was opened, the last payment on this account etc. They failed to respond e... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NY | 10901 | null | Consent provided | Web | 2018-08-28 | Closed with explanation | Yes | null | 3,004,129 |
2018-03-26 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | 2 phone calls to my home phone number trying to identify who is handling the estate of my late mother. XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX. Left lengthy messages to call back XXXX.
one letter sent to my dad 's home to contact XXXX XXXX on outstanding debt for my late mother sent XX/XX/XXXX.
This company must ... | Company believes it acted appropriately as authorized by contract or law | Data and Contact Management Solutions, LLC | WI | 542XX | null | Consent provided | Web | 2018-03-26 | Closed with explanation | Yes | null | 2,855,530 |
2019-08-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | You need to get this XXXX off immediately as it is not authorized and damaging to me and XXXX be actionable for statutory damages and punitive damages.. XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX., XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 278XX | null | Consent provided | Web | 2019-08-17 | Closed with non-monetary relief | Yes | null | 3,344,139 |
2023-04-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19134 | null | Consent provided | Web | 2023-04-18 | Closed with non-monetary relief | Yes | null | 6,857,545 |
2022-08-07 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt was result of identity theft | the company is CREDIT ACCEPTANCE CORP Date opened XX/XX/2018 Original balance {$9600.00} what happened is that someone used my personal information and they did not verify that it was not me and today they do not want to be held responsible that it was not me and they do not want to help me, they have already been sued... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CREDIT ACCEPTANCE CORPORATION | MD | 20902 | null | Consent provided | Web | 2022-08-07 | Closed with explanation | Yes | null | 5,851,125 |
2023-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I found some inaccurate information in my credit report when I checked it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the 3credit bureaus must verify these items. It is not acceptable to disregard the verification of these reporting itemsas unreliable information without presenting any suppo... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77566 | null | Consent provided | Web | 2023-05-09 | Closed with non-monetary relief | Yes | null | 6,951,151 |
2018-03-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY EQUIFAX CREDIT REPORT SHOW THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATE. | null | EQUIFAX, INC. | TX | 77072 | null | Consent provided | Web | 2018-03-16 | Closed with explanation | Yes | null | 2,845,688 |
2021-04-25 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | XXXX XXXX XXXX sent me a letter dated XX/XX/2021 stating they were a debt collector for XXXX. I sent them a cease and desist letter XX/XX/2021 certified mail XXXX XXXX XXXX XXXX XXXX which was delivered to them on XX/XX/2021. I received an inappropriate response from them dated XX/XX/2021 stating that they were verifyi... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TX | 789XX | Older American | Consent provided | Web | 2021-04-25 | Closed with explanation | Yes | null | 4,326,101 |
2021-03-29 | Debt collection | Medical debt | Written notification about debt | Didn't receive notice of right to dispute | This is in response to previous complaint # XXXX. First Point Collection Resources is in violation of several consumer rights under 15 USC 1692. I have attached the previous complaint with proof of each violation violated. I am demanding that they XXXX the balance on this account, delete it immediately from all consume... | null | FirstPoint Collection Resources | NC | 27610 | null | Consent provided | Web | 2021-03-29 | Closed with explanation | Yes | null | 4,253,910 |
2015-09-04 | Student loan | Non-federal student loan | Can't repay my loan | Can't get flexible payment options | As of yesterday, I am XXXX months behind on my private student loans payments through Navient, formerly through XXXX XXXX. They are calling me XXXX times a day. I work a full time and a part time job. But I have XXXX children and am going through a divorce so money is very tight. I have to take care of our immediate ph... | null | Navient Solutions, LLC. | IL | 62650 | null | Consent provided | Web | 2015-09-04 | Closed with explanation | Yes | No | 1,552,518 |
2022-11-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... | null | EQUIFAX, INC. | CA | 91402 | null | Consent provided | Web | 2022-11-20 | Closed with explanation | Yes | null | 6,223,295 |
2021-02-27 | Vehicle loan or lease | Loan | Struggling to pay your loan | Denied request to lower payments | Ally Financial should be investigated by Government Regulatory for their business tactics when you have an account through Ally Auto. I called this morning XX/XX/21 to negotiate arrangements to make my car payment and also to see if there was a way to have the monthly payments lowered. The representative for one after ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | NC | 28208 | null | Consent provided | Web | 2021-02-27 | Closed with explanation | Yes | null | 4,170,614 |
2022-04-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Victim of Identity theft. See attachment exhibits | null | CAPITAL ONE FINANCIAL CORPORATION | GA | 30062 | null | Consent provided | Web | 2022-04-22 | Closed with explanation | Yes | null | 5,485,901 |
2023-09-28 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing p... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IA | 501XX | null | Consent provided | Web | 2023-09-28 | Closed with non-monetary relief | Yes | null | 7,629,133 |
2023-04-17 | Vehicle loan or lease | Loan | Struggling to pay your loan | Denied request to lower payments | I am filing a complaint with CFPB today regarding the Toyota Motor Credit/Toyota Financial and all of the revolving entities surrounding my auto loan separately, but they have all dropped the ball. I have had an auto loan with Toyota Financial for 3 years. Throughout the loan I have had a few medical issues that result... | null | TOYOTA MOTOR CREDIT CORPORATION | TX | 75220 | null | Consent provided | Web | 2023-04-17 | Closed with explanation | Yes | null | 6,849,315 |
2018-04-22 | Credit card or prepaid card | Store credit card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I am requesting and truly need your help. I was deceived and did not make the charges in question on this XXXX XXXX XXXX Card. I originally ordered one free essential oil on XXXX that was free and you only paid {$6.00} shipping and handling for. There was a limited timer on this add that said the offer was only good fo... | null | Bread Financial Holdings, Inc. | MI | 481XX | null | Consent provided | Web | 2018-04-22 | Closed with explanation | Yes | null | 2,883,764 |
2020-06-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | SOMEONE STOLE MY ID ND MY SOCIAL SECURITY NUMBER AND USED IT TO OBTAIN A CAR AND TO SIGN UP FOR SCHOOL I DID NO GIVE ANYONE PERMISSION TO USE MY INFORMATION NOR WAS I AWARE OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30213 | null | Consent provided | Web | 2020-06-26 | Closed with explanation | Yes | null | 3,716,962 |
2023-05-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any ... | null | EQUIFAX, INC. | DE | 19805 | null | Consent provided | Web | 2023-05-15 | Closed with non-monetary relief | Yes | null | 6,981,465 |
2020-04-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Certified letters to validate or provide proof of the debt were mailed XXXX XXXX, 2020 to XXXX XXXX and XXXX XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76017 | null | Consent provided | Web | 2020-04-27 | Closed with explanation | Yes | null | 3,625,721 |
2020-07-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Unfortunately do to Covid 19 we were late on my our mortgage for XX/XX/XXXX. Once we were able to catch up on our mortgage in XX/XX/XXXX we did. We live in California and were put on an automatic shut down on XX/XX/XXXX. I was temporarily laid off as well as my wife. We both bounced back and were able to catch up on ou... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 94561 | null | Consent provided | Web | 2020-07-27 | Closed with explanation | Yes | null | 3,765,565 |
2017-10-17 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | I have been receiving multiple phone calls, sometimes per day. Blocked numbers, spoofed numbers, etc. The agents are dismissive when I tell them that the debt was sent to them in error. I applied for and received a credit card but did n't end up using it for my dental work. I have the receipt for the cash payment. I 'v... | Company believes it acted appropriately as authorized by contract or law | Credit Corp Solutions Inc. | LA | 70403 | null | Consent provided | Web | 2017-10-17 | Closed with explanation | Yes | null | 2,704,354 |
2019-11-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | I am writing about a citi card that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The situation is my account was closed due to a misunderstanding. Fast forwarding they had agreed since everything was paid off they would remove this account from all credit file agency 's.
The main issue is it says account closed... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NY | 10305 | null | Consent provided | Web | 2019-11-13 | Closed with explanation | Yes | null | 3,436,729 |
2022-08-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. | null | CAPITAL ONE FINANCIAL CORPORATION | MA | 02126 | null | Consent provided | Web | 2022-08-16 | Closed with explanation | Yes | null | 5,883,394 |
2023-06-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This account is still on my XXXX report when I was told they would quickly remove it once I paid the full balance. The full balance was paid but it still shows on my report. | Company believes it acted appropriately as authorized by contract or law | STERLING JEWELERS, INC. | FL | 33196 | null | Consent provided | Web | 2023-06-21 | Closed with explanation | Yes | null | 7,149,381 |
2023-01-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To Whom It XXXX Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
I reported the theft of my identity to the Federal Trade Co... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77015 | null | Consent provided | Web | 2023-01-03 | Closed with non-monetary relief | Yes | null | 6,391,309 |
2020-01-25 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | I have had an auto loan with Ally since XX/XX/XXXX. I have been on auto draft since the inception of the loan. I have never missed a payment. I received a letter in XX/XX/XXXX saying a system upgrade would be taking place from XX/XX/XXXX until XX/XX/XXXX. I called Ally to make sure my auto draft would occur as usual on... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | NC | 287XX | Servicemember | Consent provided | Web | 2020-01-25 | Closed with explanation | Yes | null | 3,509,164 |
2021-06-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | These accounts are not mine and have never been mine. I do not recognize the items, I am victim of identity theft. I am very stressed out because I do not know what I can do in order to remove them from my credit profile. Its killing my financial side. Please remove them ASAP | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33162 | null | Consent provided | Web | 2021-06-29 | Closed with explanation | Yes | null | 4,502,632 |
2023-02-17 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | Please be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) 15 U.S. Code 1692g stating your claim is disputed and validation is requested.
Please understand that this letter is not a request for verification or proof of mailing address. This services as... | null | Eastern Revenue, Inc. | PA | 180XX | null | Consent provided | Web | 2023-02-17 | Closed with explanation | Yes | null | 6,578,620 |
2022-10-03 | Debt collection | Mortgage debt | Written notification about debt | Didn't receive enough information to verify debt | Thank you for providing a copy of all the communication from XXXX until charge off date.
I observed that XXXX provided creditor information on some letters and not on other letters. I would request that on all communication which didnot have creditor information, XXXX reveiew its record once again and provide the nam... | null | Real Time Group, Inc. | NV | 89509 | Older American | Consent provided | Web | 2022-10-03 | Closed with explanation | Yes | null | 6,044,284 |
2022-12-29 | Debt collection | Credit card debt | Threatened to contact someone or share information improperly | Talked to a third-party about your debt | Contacted my wife who is not on the card. Old navy | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | CO | 80020 | null | Consent provided | Web | 2022-12-29 | Closed with explanation | Yes | null | 6,374,770 |
2017-06-22 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | Without notice, justification, cause, or documentation despite requests USAA has removed my online access to my auto loan. I am unable to view or pay my loan as everything is done online and I am no longer able to access my account. I was told I should regain access, then told I would not be given access to my account ... | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | TX | XXXXX | null | Consent provided | Web | 2017-06-22 | Closed with explanation | Yes | null | 2,556,672 |
2021-08-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have an account on my credit file from credit bureau services. This account isnt mine and under the FDCPA this a violation of my rites. | null | JDJ Investments, INC. | LA | 705XX | null | Consent provided | Web | 2021-08-07 | Closed with explanation | Yes | null | 4,611,742 |
2019-03-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I lived in apartment complex for 2 years until a Maintance man made it very uncomfortable and was entering my home with no orders I was at a month to month lease by then. I was told to as long as I gave notice it would be fine because I have until the XXXX of each month.I have pictures of apartment left spotless and th... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76901 | null | Consent provided | Web | 2019-03-28 | Closed with explanation | Yes | null | 3,194,010 |
2023-01-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing... | null | EQUIFAX, INC. | NY | 146XX | null | Consent provided | Web | 2023-01-27 | Closed with explanation | Yes | null | 6,497,899 |
2018-09-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Equifax, refuses to correct incorrect information on my credit report. My confirmation number has been compromised, and my Equifax Pin Number has been compromised, and I would like an Immediate Investigation, why that, " XXXX XXXX XXXX '' has not been removed off my Equifax Credit Report.! | null | EQUIFAX, INC. | TN | 372XX | null | Consent provided | Web | 2018-09-19 | Closed with non-monetary relief | Yes | null | 3,014,676 |
2023-03-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action agains... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33155 | null | Consent provided | Web | 2023-03-29 | Closed with non-monetary relief | Yes | null | 6,761,731 |
2023-08-26 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportin... | null | EQUIFAX, INC. | GA | 30324 | null | Consent provided | Web | 2023-08-26 | Closed with non-monetary relief | Yes | null | 7,469,179 |
2020-01-27 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was paid | I was served through the City Court notice that Lowes was trying to collect a debt through law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I corresponded with one of the lawyers, XXXX XXXX, about my debt via email. He decided the pay off would be {$500.00} dollars by XX/XX/2017. I paid the amount and I have proof it... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | LA | 70301 | null | Consent provided | Web | 2020-01-27 | Closed with non-monetary relief | Yes | null | 3,510,438 |
2020-07-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I HAVE SOME CREDIT INQUIRES ON MY REPORT THAT ARE ERRORS AND ARE NOT SUPPOSE TO BE THERE. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | DriveTime | TN | 38127 | null | Consent provided | Web | 2020-07-23 | Closed with explanation | Yes | null | 3,760,890 |
2023-05-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Hello!
This is in regards to a re- investigation of late payments reporting on my account that I requested. It should have taken place. I have reason to believe that the late payments are reporting inaccurately for the XXXX XXXX and XXXX accounts.
I have strong reason to believe that they are inaccurately reporting... | null | EQUIFAX, INC. | MI | 480XX | null | Consent provided | Web | 2023-05-13 | Closed with explanation | Yes | null | 6,968,995 |
2020-10-17 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I was notified today, XX/XX/2020, via XXXX that a derogatory mark was placed on my credit score from Williams & Fudge Inc for {$1900.00} for XXXX XXXX XXXX XXXX. I was never notified of this debt, never contacted prior to the derogatory mark, never given this amount, and all of my XXXX XXXX XXXX XXXX debt is being paid... | null | Williams & Fudge, Inc | IN | 46563 | null | Consent provided | Web | 2020-10-17 | Closed with explanation | Yes | null | 3,904,626 |
2018-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I had a checking account with citizens bank since XX/XX/XXXX. I arranged for automatic checking account deductions for a service at that time. After I moved from New York, I left the checking account open with a balance remaining in the account of approximately {$2000.00} as I had automatic payments coming out of the a... | null | CITIZENS FINANCIAL GROUP, INC. | NJ | 070XX | null | Consent provided | Web | 2018-08-14 | Closed with explanation | Yes | null | 2,991,041 |
2023-07-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.
Account name : # XXXX Account name : # XXXX. Account name : # XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U... | null | EQUIFAX, INC. | MO | 63116 | null | Consent provided | Web | 2023-07-26 | Closed with explanation | Yes | null | 7,299,568 |
2022-01-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | A Fraudulent Credit Repair Company " XXXX XXXXXXXX XXXX 's '' Stole my Identity.
And Have send it Multiple disputes about the Situation And not heard a response | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48205 | null | Consent provided | Web | 2022-01-28 | Closed with explanation | Yes | null | 5,159,863 |
2022-09-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Someone has tried to get Unemployment in my name and Also receiving cards to activate from XXXX XXXX and XXXX XXXX so far for me to activate when I NEVER applied for ANY of it | null | EQUIFAX, INC. | VA | 244XX | null | Consent provided | Web | 2022-09-15 | Closed with explanation | Yes | null | 5,986,089 |
2018-02-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in X... | null | EQUIFAX, INC. | CA | 95691 | null | Consent provided | Web | 2018-02-13 | Closed with explanation | Yes | null | 2,813,737 |
2023-03-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have letters to XXXX XXXX asking them to re investigate because i found errors on mycredit report and asked them to update it or delete it and it came back verified and updated but how could it be if nothing has changed since XX/XX/2022. My Account # XXXX. I paid an Collections and it is not showing been paid. I wan... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27107 | Servicemember | Consent provided | Web | 2023-03-13 | Closed with non-monetary relief | Yes | null | 6,689,136 |
2022-10-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providin... | null | EQUIFAX, INC. | CA | 90044 | null | Consent provided | Web | 2022-10-18 | Closed with explanation | Yes | null | 6,093,118 |
2023-04-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I was about to apply for credit and looked at my credit report and was amazed at all the inaccurate and false information in direct violation of the Fair Credit Reporting Act. On the Attached Identity theft report the listed accounts has violated my state and federal protected consumer rights to privacy and confidentia... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | XXXXX | null | Consent provided | Web | 2023-04-14 | Closed with non-monetary relief | Yes | null | 6,840,263 |
2018-04-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | On XX/XX/18 I went to the Wells Fargo website to research auto loans. I put in my name. It asked if I was a member of Wells Fargo. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan a... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 949XX | null | Consent provided | Web | 2018-04-16 | Closed with explanation | Yes | null | 2,876,785 |
2020-08-28 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how... | null | Midwest Recovery Systems | GA | 30038 | null | Consent provided | Web | 2020-09-04 | Closed with explanation | Yes | null | 3,820,196 |
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