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values | Complaint_ID int64 1.3M 7.71M |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2022-05-19 | 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 | My name is XXXX XXXX and Ive been with capital one for sometime now. I added my daughter XXXX XXXX as an account manager however, its not reporting to the credit bureaus if this can be updated I would really appreciate it card # XXXX | null | CAPITAL ONE FINANCIAL CORPORATION | FL | 33060 | null | Consent provided | Web | 2022-05-19 | Closed with explanation | Yes | null | 5,579,554 |
2018-12-26 | Vehicle loan or lease | Loan | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | this was a car loan made which i was a co signor. The car was later repossessed. it was then sold, and the company which is exeter finance removed it from my wifes credit but not my own after disputing many times. | null | Exeter Finance Corp. | NJ | 07017 | null | Consent provided | Web | 2018-12-26 | Closed with explanation | Yes | null | 3,110,125 |
2021-10-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court | null | EQUIFAX, INC. | FL | XXXXX | null | Consent provided | Web | 2021-10-04 | Closed with explanation | Yes | null | 4,777,227 |
2022-02-13 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | Recently, my car got vandalized and destroyed, both of my debit cards got duplicated and fraudulent charges were performed and for one of my cards, all of the money in the account was taken. On XX/XX/22 {$720.00} was withdrawn from my directexpress account. Directexpress took so long to deliver the dispute forms, that ... | null | Comerica | CA | 95376 | null | Consent provided | Web | 2022-02-13 | Closed with explanation | Yes | null | 5,217,345 |
2023-04-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | online information ser account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19026 | null | Consent provided | Web | 2023-04-07 | Closed with non-monetary relief | Yes | null | 6,810,449 |
2020-08-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I first contact Capital One regarding the issue when I received a credit monitoring alert from XXXX XXXX stating that there was a 30 day late reported on my credit report for $ XXXX 2020. I knew this was incorrect when I had just made a payment of {$81.00} for XXXX I looked into the matter immediately by contacting Cap... | null | CAPITAL ONE FINANCIAL CORPORATION | NC | 27360 | null | Consent provided | Web | 2020-09-01 | Closed with explanation | Yes | null | 3,823,810 |
2022-11-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | XXXX claimed that XXXX XXXX XXXX reverse a fraudulent charge of {$86.00}. XXXX did not reverse the charge. I closed my XXXX card XXXX XXXX XXXX XXXX.
XXXX placed a {$86.00}, reversal of the fraudulent charge credit XXXX granted me while XXXX investigated my claim that XXXX made this charge fraudulently. I received a l... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 902XX | Older American | Consent provided | Web | 2022-11-06 | Closed with non-monetary relief | Yes | null | 6,170,879 |
2023-07-25 | 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 | XXXX XXXX Sold the debt to a debt collector. After selling debt XXXX XXXX won't remove the account. I called XXXX XXXXXXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX XXXXXXXX. Which is making me have to disputed inaccurate information wit... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 37207 | null | Consent provided | Web | 2023-07-25 | Closed with explanation | Yes | null | 7,301,595 |
2021-01-21 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Public record information inaccurate | On XX/XX/2021. I submitted a dispute to Experian to Remove/Delete a Chapter XXXX Bankruptcy Dismissed No : XXXX was place on my credit report provided by a third party XXXX Case no : XXXX & XXXX Please see Attachment. Experian has not remove or deleted this bankruptcy from my credit report base on the documentation fro... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | DE | 19720 | null | Consent provided | Web | 2021-01-21 | Closed with explanation | Yes | null | 4,082,221 |
2019-11-22 | Debt collection | Other debt | Communication tactics | Frequent or repeated calls | This account was paid in full the XXXX XXXX XXXX website | Company believes it acted appropriately as authorized by contract or law | ERC | VA | XXXXX | null | Consent provided | Web | 2019-11-22 | Closed with explanation | Yes | null | 3,447,775 |
2022-07-07 | Debt collection | Credit card debt | Written notification about debt | Didn't receive notice of right to dispute | Received a call requesting payment for XXXX XXXX. I asked for verification of debt, was directed to a website that only had my name, the debt amount, and creditor info. No explanation of charges, no proof of validity. XX/XX/2022 | null | ENCORE CAPITAL GROUP INC. | CA | 93065 | null | Consent provided | Web | 2022-07-07 | Closed with explanation | Yes | null | 5,745,776 |
2017-07-17 | Debt collection | Credit card debt | Written notification about debt | Didn't receive notice of right to dispute | Previous complaint ID : XXXX Previously, I had compained that Machol & Johannes had sent confidential material to a third party. Their response at the time was that they had to do so because it was required by law to send it to my physical address. However, since then, I have been able to review past court document... | Company believes it acted appropriately as authorized by contract or law | Machol & Johannes, LLC | CO | 801XX | null | Consent provided | Web | 2017-07-17 | Closed with explanation | Yes | null | 2,577,234 |
2017-05-10 | Debt collection | Payday loan debt | Communication tactics | Frequent or repeated calls | My loans have been consolidated with a consolidation company and this company refuses to respond to the consolidation people. I tried to explain to them that I was struggling financially so i entrusted a company to pay my bills for me so that I can at least have money for the month, but they refuse to listen to me. The... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Tower Loan of Mississippi, Inc. | AL | 36701 | Servicemember | Consent provided | Web | 2017-08-12 | Closed with explanation | Yes | null | 2,634,775 |
2023-02-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.
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 an ac... | null | EQUIFAX, INC. | TX | 77004 | null | Consent provided | Web | 2023-02-09 | Closed with explanation | Yes | null | 6,551,149 |
2020-10-20 | Checking or savings account | Savings account | Closing an account | Funds not received from closed account | XX/XX/XXXXDear Consumer Finance Protection Bureau : XXXX XXXX has not replied to me or resolved my below email complaint against BBVA/simple.com bank therefore I am now forwarding this complaint to you.
Re : BBVA Client Care Solutions Ref : XXXX XX/XX/XXXX at XXXX XXXX PrintRaw message 12 XXXX To : XXXX XXXX XXXX 6... | null | BBVA FINANCIAL CORPORATION | TN | 376XX | null | Consent provided | Web | 2020-10-21 | Closed with explanation | Yes | null | 3,908,048 |
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 | Investigation took more than 30 days | This complaint is towards Experian Credit Reporting agency And the XXXX XXXX XXXX XXXX XXXX
I've uploaded documents and updated my consumer statement in which The credit reporting agency and Debtor/Creditor are still causing personal and financial injury towards Me as a consumer. Experian as Violating Consumer Laws S... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 07018 | null | Consent provided | Web | 2023-05-13 | Closed with explanation | Yes | null | 6,972,317 |
2021-07-22 | Debt collection | Other debt | Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | Td bank is adding negative fees to my account after letting charges I ask to not accept and my account is negative right now something that's never happened to me and I just got back from XXXX XXXX so I won't be getting paid no time soon | null | TD BANK US HOLDING COMPANY | NY | 10453 | null | Consent provided | Web | 2021-07-22 | Closed with monetary relief | Yes | null | 4,563,171 |
2023-02-24 | 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 XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX 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 ... | null | EQUIFAX, INC. | AL | 360XX | null | Consent provided | Web | 2023-02-24 | Closed with explanation | Yes | null | 6,606,218 |
2021-05-28 | Debt collection | Payday loan debt | Attempts to collect debt not owed | Debt was paid | National Credit Adjusters Confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right... | null | National Credit Adjusters, LLC | CA | 95687 | null | Consent provided | Web | 2021-05-28 | Closed with explanation | Yes | null | 4,413,492 |
2021-02-28 | 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 sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complet... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KS | 66212 | null | Consent provided | Web | 2021-02-28 | Closed with explanation | Yes | null | 4,172,892 |
2017-10-31 | Checking or savings account | Savings account | Managing an account | Fee problem | I opened a checking and savings account with BB and T in XXXX, Georgia.
The bank ordered me a debit card. I never received the debit card from them so I requested a new card be sent to me. They sent me the new card but the bank accidentally attached the debit card to my savings account instead of my checking account. ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BB&T CORPORATION | GA | 30680 | null | Consent provided | Web | 2017-10-31 | Closed with explanation | Yes | null | 2,716,881 |
2022-10-03 | 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/XXXX I received letters in the mail indicating that a bankruptcy on my credit report was validated. The credit bureaus ( XXXX, Equifax and XXXX ) and XXXX XXXX failed to provide documentation stating where they are validating their information. The XXXX XXXX XXXX Georgia verified that they did not provide any ... | null | EQUIFAX, INC. | GA | 30318 | null | Consent provided | Web | 2022-10-03 | Closed with explanation | Yes | null | 6,046,830 |
2021-04-10 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with rewards from credit card | I had accumulated {$14.00} in 'Rewards cash ' on a Wells Fargo CC , but while the account was still open, I no longer had an actual card to actively use the account. In XX/XX/2019, I received a letter from WF informing me that - if I did not use the card again within a specific time frame ( 60 days or so, I believe ) -... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 76126 | null | Consent provided | Web | 2021-04-10 | Closed with monetary relief | Yes | null | 4,288,006 |
2023-09-08 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | On XX/XX/23, I mailed a letter to the reporting agencies to remove names and addresses that I was never associated with. On XX/XX/23, I mailed out the same letter. As consumer I know my rights and would like a resolution. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MA | 016XX | null | Consent provided | Web | 2023-09-08 | Closed with non-monetary relief | Yes | null | 7,515,996 |
2022-04-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to rem... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91304 | null | Consent provided | Web | 2022-04-07 | Closed with non-monetary relief | Yes | null | 5,421,775 |
2017-07-22 | 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 account with XXXX XXXX was disputed on mine and my husbands credit report with all 3 bureus as well as XXXX XXXX ... This was disputed multiple times as no knowledge and to validate proof of debt. XXXX and XXXX verified this as not our account and that the company did not respond within the time frame. Well with E... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | UT | XXXXX | null | Consent provided | Web | 2017-07-22 | Closed with non-monetary relief | Yes | null | 2,582,339 |
2023-02-03 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | Our business has a well funded checking account for more than two years. We have been cut off from accessing that account through credit card and debit card access. Also, we applied to Bank of America for a XXXX loan, which was granted, but after requesting forgiveness through our website login, we have received no doc... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 94582 | null | Consent provided | Web | 2023-02-03 | Closed with monetary relief | Yes | null | 6,528,761 |
2021-04-06 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | This organization garnished my wages. Once I received a notice that my wages were garnished without any prior notice of either the lawsuit or the judgement, I made several good faith attempts to reach out and negotiate and/or resolve the debt and they refused to answer my calls or respond to any of my attempts to negot... | null | JPMORGAN CHASE & CO. | CA | 90036 | null | Consent provided | Web | 2021-04-06 | Closed with explanation | Yes | null | 4,275,953 |
2017-09-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my XXXX XXXX, Equifax and XXXX credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised. | null | EQUIFAX, INC. | ND | 58201 | Servicemember | Consent provided | Web | 2017-09-18 | Closed with explanation | Yes | null | 2,677,065 |
2018-01-21 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Charged too much interest | CitiBank automatically set up a transfer from my Citi Forward card to a new credit card they created called the Citi ThankYou card. In the process of doing so they left bard cards active and set up a process of transferring purchases from one card to the other. Since both cards were technically active they then charged... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NC | 27295 | null | Consent provided | Web | 2018-01-21 | Closed with explanation | Yes | null | 2,788,585 |
2018-10-12 | Checking or savings account | Checking account | Managing an account | Fee problem | In XX/XX/2018, I spoke to XXXX XXXX ( PNC bank rep ) and regarding the service fee charged to my account. XXXX was able to reversed the service fee charges and informed me that the account needs to have XXXX $ minimum balance to avoid being charge again. Hence I made a deposit on the same day ( XX/XX/XXXX ) which gives... | null | PNC Bank N.A. | CA | 92683 | null | Consent provided | Web | 2018-10-12 | Closed with explanation | Yes | null | 3,044,912 |
2022-10-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | NEW INFORMATION ON COMPLAINT please review attachments, this is a very serious matter I'm affected by identity theft fraud and accounts listed on my FTC report is damaging my reputation and my credit ability please remove from my credit file. fraudulent account listed : XXXX XXXX ACCOUNT # XXXX AND 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. | FL | 33168 | null | Consent provided | Web | 2022-10-17 | Closed with non-monetary relief | Yes | null | 6,091,606 |
2022-06-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Without my written consent, Capital One has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$710.00} and further extort me and cause harm to my credit reputation. Capital One has been furnishing nonpublic personal information to my consumer report/file and i... | null | CAPITAL ONE FINANCIAL CORPORATION | CA | 92411 | null | Consent provided | Web | 2022-06-09 | Closed with explanation | Yes | null | 5,653,854 |
2023-03-27 | 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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX : XXXX.
XXXX : XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 779XX | null | Consent provided | Web | 2023-03-27 | Closed with explanation | Yes | null | 6,757,928 |
2023-03-17 | Checking or savings account | Checking account | Opening an account | Unable to open an account | I had been living in the XXXX XXXX for a couple of months when I flew back to XXXX XXXX XXXX in XXXX of 2022 and opened an account with Bank of America. Everything was great, no issues. Then all of a sudden I was robbed and my card was stolen in the XXXX and I requested a new one. I tried activating it several times it... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NY | 10034 | null | Consent provided | Web | 2023-03-17 | Closed with explanation | Yes | null | 6,711,512 |
2018-10-24 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | You never received your bill or did not know a payment was due | I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017-30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. | null | Bread Financial Holdings, Inc. | MA | 021XX | null | Consent provided | Web | 2018-10-24 | Closed with non-monetary relief | Yes | null | 3,054,778 |
2019-02-16 | 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 | I was alerted on XX/XX/XXXX of a hard credit inquiry on the same date with XXXX for a Synchrony XXXX card. I have applied for no credit in any form so far in 2019. I had a similar unauthorized credit inquiry on my XXXX report from XXXX and they were able to identify the app, shut it down, and remove the credit inquir... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | IN | 46037 | null | Consent provided | Web | 2019-02-16 | Closed with explanation | Yes | null | 3,154,094 |
2018-10-18 | 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 | XXXX XXXX XXXX SS : XXXX XXXX XXXX XXXX XXXX NY XXXX TOYOTA MOTOR CREDIT A/C XXXX ( XX/XX/2015,XX/XX/2015,XX/XX/2015 XX/XX/2015 ) late payments reporting.
I had made all payments on time trying to resolved late payment issue with Toyota, they keep denying it i feel like hopeless and its effecting my life.i am in contr... | null | TOYOTA MOTOR CREDIT CORPORATION | NY | 10469 | Older American | Consent provided | Web | 2018-10-18 | Closed with explanation | Yes | null | 3,050,208 |
2022-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporti... | null | EQUIFAX, INC. | TX | 76006 | null | Consent provided | Web | 2022-05-26 | Closed with explanation | Yes | null | 5,604,965 |
2023-09-05 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Account payment history and date of first delinquency are incorrect. This account is too old and obsolete and should not be reported to my consumer reports. They are reporting inaccurate information to my consumer reports and are causing me damage. | null | EQUIFAX, INC. | MI | 49424 | null | Consent provided | Web | 2023-09-05 | Closed with explanation | Yes | null | 7,504,378 |
2019-01-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have tried working with the credit reporting agency to correct my info, however they are not helpful at all-there shows to be a XXXX XXXX XXXX XXXX account that should be removed -this info is not correct in it reporting. XXXX has already removed this account and equifax has not updated to be in the same accord. Thi... | null | EQUIFAX, INC. | MO | 631XX | null | Consent provided | Web | 2019-01-14 | Closed with explanation | Yes | null | 3,124,295 |
2023-05-16 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 20774 | null | Consent provided | Web | 2023-05-16 | Closed with explanation | Yes | null | 6,983,059 |
2023-05-10 | 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 | I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days.
X... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77049 | null | Consent provided | Web | 2023-05-10 | Closed with explanation | Yes | null | 6,951,886 |
2020-02-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report.
Please remove these account and send me an updated copy of my credit report for inspection. | null | EQUIFAX, INC. | GA | 30052 | null | Consent provided | Web | 2020-02-25 | Closed with explanation | Yes | null | 3,544,333 |
2023-06-05 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I DI NOT COMPLY TO DISPUTE THIS POSITIVE ACCOUNT, PLEASE, I'M BEGGING YOU TO RE-INSERTED TO MY CREDIT REPORT. | null | Flexible Finance, Inc. | GA | 30318 | null | Consent provided | Web | 2023-06-05 | Closed with explanation | No | null | 7,074,826 |
2022-07-29 | 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 | XXXX XXXX XXXX XXXXXXXX Between the report I received in XX/XX/XXXX and the report from XX/XX/XXXX, this company has changed the dates of the last payment and the first date of delinquency. This greatly manipulates the statute of limitations.
COMENITYBANK/VICTORIA Between my report from XX/XX/XXXX and XX/XX/XXXX this... | null | Bread Financial Holdings, Inc. | SC | 29223 | Servicemember | Consent provided | Web | 2022-07-29 | Closed with explanation | Yes | null | 5,824,190 |
2022-11-30 | 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 | I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit informati... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85339 | null | Consent provided | Web | 2022-11-30 | Closed with non-monetary relief | Yes | null | 6,255,302 |
2020-10-05 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | I received a letter sent on XX/XX/2020 from Capio Partners, it said " Your XXXX XXXX XXXX XXXX account has been sold to XXXX XXXX XXXX. Attention has been contracted to collect the outstanding balance. '' The balance due is {$1800.00}, but they offer to settle for XXXX if i pay by XX/XX/2020.
I have XXXX and have ... | null | Capio Partners, LLC | NY | 109XX | null | Consent provided | Web | 2020-10-05 | Closed with non-monetary relief | Yes | null | 3,881,028 |
2023-06-22 | 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 am having trouble communicating effectively with TransUnion in an effort to have my credit reports correctly reporting. This is time sensitive. I am in a first time home buyer program administered by a non profit for XXXX XXXX where I live and they are very very picky. As with many government matters, they insist on ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94577 | Older American | Consent provided | Web | 2023-06-22 | Closed with non-monetary relief | Yes | null | 7,147,529 |
2022-01-03 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | I XXXX XXXX checked my report an i noticed some fraudulent an inaccurate accounts listed on my report i then reached out to the credit agencies to remedy the situation but they wouldn't help me correct these fraudulent and inaccurate accounts | null | EQUIFAX, INC. | GA | 317XX | null | Consent provided | Web | 2022-01-03 | Closed with explanation | Yes | null | 5,062,972 |
2020-06-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I'm trying to get a small loan to make some renovations to my house but today XXXX/XXXX/2020 they ran my credit and they told me that I did not get approved because I had too many accounts in negative standing appearing on my credit report. I had no idea that there were accounts in negative standing on my report so I l... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28269 | null | Consent provided | Web | 2020-06-24 | Closed with explanation | Yes | null | 3,713,739 |
2021-09-04 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I disputed a {$560.00} charge made on my Chase credit card ending in XXXX for XXXX ( a weight loss clinic in XXXX ) on XX/XX/2020. On XX/XX/2020, less than 24 hours, I returned all unopened supplements in person. The lady at the front desk only agreed to accept the returned items because she inspected them and confirme... | null | JPMORGAN CHASE & CO. | TX | 75248 | null | Consent provided | Web | 2021-09-04 | Closed with explanation | Yes | null | 4,693,586 |
2021-03-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have sent dispute letters as well as requested all three credit bureaus to verify and publish their method for verifying this account. It has been longer than 30 days as my initial complaint was submitted on XX/XX/21. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MS | 391XX | null | Consent provided | Web | 2021-03-30 | Closed with explanation | Yes | null | 4,254,253 |
2017-05-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | I have been working on improving my credit score for the last year. In XXXX of XXXX , I noticed that all XXXX of my credit scores from Equifax, XXXX XXXX XXXX were at XXXX . The n one month later in XXXX XXXX , my credit score at Equifax dropped XXXX points in one da y, for no reason. There wer... | null | EQUIFAX, INC. | NV | 89129 | Servicemember | Consent provided | Web | 2017-05-29 | Closed with explanation | No | null | 2,496,447 |
2023-09-06 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | See the attached documents. | null | Early Warning Services, LLC | TX | 75165 | null | Consent provided | Web | 2023-09-06 | Closed with explanation | Yes | null | 7,506,350 |
2023-09-25 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I HAVE SENT NUMEROUS LETTERS TO ALL OF THESE CREDIT BUREAUS SINCE XXXX TOLD THESE PEOPLE THESE ACCOUNTS WERENT MINES NUMEROUS TIMES AND YET THE ACCOUONTS STILL REMAIN ON MY REPORTS I HAVE BEEN A VICTIM OF IDENTITY THEFT SINCE XXXX AND I RECEIVE AN IP NUMBER YEARLY TO FILE MY TAXES AS PROOF. MOST OF THESE ACCOUNTS ARE R... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19023 | Servicemember | Consent provided | Web | 2023-09-25 | Closed with non-monetary relief | Yes | null | 7,602,900 |
2022-03-10 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Problem with a company's investigation into an existing issue | Their investigation did not fix an error on your report | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permit... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34221 | null | Consent provided | Web | 2022-03-10 | Closed with non-monetary relief | Yes | null | 5,305,220 |
2018-07-04 | 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 | XXXX XXXX XXXX has stated that they do not know who I am. I informed them that I have never attempted to get a loan from XXXX XXXX XXXX. However there is a hard inquiry on my report from this Loan Company. Please have them remove the hard inquiry listed on my credit report. on XX/XX/2016. I should not have to ask this ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 79902 | null | Consent provided | Web | 2018-07-04 | Closed with explanation | Yes | null | 2,953,554 |
2021-03-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | On XX/XX/2021, I filed a dispute with XXXX and LexisNexis regarding bankruptcies that are being reported by LexisNexis without my authorization and approval on my credit. XXXX XXXX is reporting this information without consent and refuses to remove all of my information from all of their databases. I've asked for sign... | null | LEXISNEXIS | CA | 95757 | null | Consent provided | Web | 2021-03-30 | Closed with explanation | Yes | null | 4,258,039 |
2023-05-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response o... | null | Early Warning Services, LLC | GA | 30339 | null | Consent provided | Web | 2023-05-17 | Closed with explanation | Yes | null | 6,992,654 |
2022-05-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Untitled { XXXX XXXX XXXX Medical Subject has not satisfied debt. } XXXX has violated my rights.
15 U.S.C 1681 section 602 A. St... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78233 | null | Consent provided | Web | 2022-05-27 | Closed with explanation | Yes | null | 5,618,304 |
2022-06-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/XXXX I received a copy of my credit report and noticed some accounts that were not mine. On XX/XX/XXXX I sent in some dispute letters to the three credit bureaus ( Transunion, XXXX and XXXX ) asking to validate the inaccurate information on my credit reports especially the accounts that were not mine. I know t... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | 630XX | null | Consent provided | Web | 2022-06-11 | Closed with non-monetary relief | Yes | null | 5,657,835 |
2023-02-15 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | On XX/XX/XXXX, I filed a dispute with customer service over fraudulent charges to my account. They said it had been filed and I would need to go to the branch. I went to the local branch and the assistant bank manager ( whose name I can not remember ) said they had indeed filed the dispute but they missed on transactio... | null | PNC Bank N.A. | NC | 285XX | null | Consent provided | Web | 2023-03-13 | Closed with monetary relief | Yes | null | 6,575,533 |
2022-01-12 | 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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
This company has vio... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75154 | null | Consent provided | Web | 2022-01-12 | Closed with non-monetary relief | Yes | null | 5,104,490 |
2023-06-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10029 | null | Consent provided | Web | 2023-06-13 | Closed with explanation | Yes | null | 7,108,608 |
2018-07-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | On XX/XX/XXXX I noticed my credit score had dropped nearly 150 points and my credit limit on my XXXX credit card had been reduced from {$2000.00} to {$200.00}. I called them and they said Id had a delinquent balance of about {$9.00} beginning in XXXX of this year when I thought I had paid it. Between then and now I di... | null | TD BANK US HOLDING COMPANY | CA | 92673 | null | Consent provided | Web | 2018-07-17 | Closed with explanation | Yes | null | 2,965,306 |
2021-03-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX XXXX and experience have all dropped my score XXXX points down by reporting that I have a new bankruptcy but it is the same bankruptcy submit it three years ago I recently received a settlement and the bankruptcy court force me to pay off my creditors and all three credit bureaus will not update the paid off ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30297 | null | Consent provided | Web | 2021-03-01 | Closed with explanation | Yes | null | 4,174,718 |
2021-07-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE... | null | EQUIFAX, INC. | MO | 652XX | null | Consent provided | Web | 2021-07-17 | Closed with explanation | Yes | null | 4,550,581 |
2019-12-18 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Money was taken from your account on the wrong day or for the wrong amount | Hi I called Citi Bank executive regarding my issue charge came wrongly .. I told him this guy was nasty not listening keep on harassment Nd abuse This Citi bank total time fraud for customer | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NJ | 07002 | null | Consent provided | Web | 2019-12-18 | Closed with explanation | Yes | null | 3,472,113 |
2019-04-20 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was paid | I owed XXXX {$1600.00}. The account went into collections and was serviced by ARS. I began paying them and they then offered a settlement agreement. I paid the entire settlement agreement onXX/XX/XXXX. It stated it would take 30 days for my credit report to reflect it. Well XXXX 's is now reporting on my credit report ... | null | ARS National Services, Inc. | LA | 70601 | null | Consent provided | Web | 2019-04-20 | Closed with explanation | Yes | null | 3,218,099 |
2021-03-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Credit card showing 30 days late on all my credit reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94577 | null | Consent provided | Web | 2021-03-08 | Closed with explanation | Yes | null | 4,191,192 |
2019-08-16 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | I have a small business ATM debit card through Bank of America and for the last year I've had transactions from XXXX XXXX XXXX XXXX XXXX taking out money every month I requested the bank to stop these transactions cuz they were fraudulent after 1 month returns came back and they kept taking the money after 3-4 months t... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | FL | 339XX | null | Consent provided | Web | 2019-08-16 | Closed with explanation | Yes | null | 3,343,769 |
2023-09-08 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I ask Spring Oaks Capital LLC to email all information to my email address on XX/XX/2023, was told that they had emailed all relevant information to the email address on hand! no email was received nor have i received information, Disputed this with XXXX XXXX and Spring Oaks Capital Verified the debt with XXXX in less ... | null | Spring Oaks Capital, LLC | LA | 70043 | null | Consent provided | Web | 2023-09-08 | Closed with explanation | Yes | null | 7,518,361 |
2021-09-21 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | I am eligible for public service loan forgiveness, but I am not getting answers, even though I applied for forgiveness back in XXXX of this year.
I was hired as an XXXX XXXX XXXX in XXXX of XXXX. My loans were consolidated in XXXX of XXXX. I do not recall missing any payments. I asked that my loans be put in forbeara... | null | AES/PHEAA | FL | 33137 | null | Consent provided | Web | 2021-09-21 | Closed with non-monetary relief | Yes | null | 4,740,916 |
2017-06-22 | 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 XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX replied back to my request on XXXX XXXX, 2017 and stated that this was a business loan secured by me with a personal guarantee and this wa... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33904 | null | Consent provided | Web | 2017-06-22 | Closed with explanation | Yes | null | 2,555,946 |
2023-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsi... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77057 | null | Consent provided | Web | 2023-06-08 | Closed with non-monetary relief | Yes | null | 7,086,895 |
2022-12-01 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | You never received your bill or did not know a payment was due | I have been having an issue with Avant Financial which is the credit card issuer. Since around the end of XXXX I have not been able to login or access my online account either on Avant 's website or their mobile App. I have tried contacting them over 8 times with my initial contact on XX/XX/22 at XXXX XXXX mountain ti... | null | Avant Holding Company, Inc. | CO | 802XX | null | Consent provided | Web | 2022-12-01 | Closed with explanation | Yes | null | 6,265,837 |
2021-07-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO TH... | null | EQUIFAX, INC. | GA | 30058 | null | Consent provided | Web | 2021-07-30 | Closed with explanation | Yes | null | 4,590,181 |
2023-04-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | Unable to retrieve XXXX or EXPERIAN CREDIT REPORT report via XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85210 | null | Consent provided | Web | 2023-04-24 | Closed with explanation | Yes | null | 6,884,100 |
2021-02-08 | Checking or savings account | Checking account | Problem caused by your funds being low | Non-sufficient funds and associated fees | This report is being referenced to an FTC Reference Number of XXXX, that involves Bitcoin currency to to wire transferred to XXXX XXXX. The XXXX XXXX dispute case number I have is XXXX XXXX, which Chase Bank from the claims department DENIED to take as a means of a PROPER, LEGAL investigation that has involved " impers... | null | JPMORGAN CHASE & CO. | FL | 32725 | null | Consent provided | Web | 2021-02-08 | Closed with explanation | Yes | null | 4,126,013 |
2019-10-08 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Several certified letters were sent to this company over a 60 day timespan requesting debt verification documentation and removal of the debt from all 3 credit bureaus. The company has not responded to any of the letters nor has this company removed the debt. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | MI | 48035 | null | Consent provided | Web | 2019-10-08 | Closed with explanation | Yes | null | 3,399,970 |
2022-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights.
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reported : XXXX. Balance {$250.00} XXXX XXXX XXXXXXXX XXXX Reported XXXX. Balance {$700.00} XXXX XXXX and XXXX XXXX XXXXXXXX XXXX Reported : XXXX. Balance {$3100.00} 15 U.S.C. 1... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77449 | null | Consent provided | Web | 2022-06-16 | Closed with non-monetary relief | Yes | null | 5,679,299 |
2015-09-11 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Trouble with how payments are handled | Greatlakes is representing their lender in managing my private loan and they constantly harassing me and the cosigner. I 've submitted letters asking for a lower payment because I can not afford to pay back over {$700.00} per month. They refused to work with me and issued blanketed statements such as private loans are ... | Company believes it acted appropriately as authorized by contract or law | GREAT LAKES | AZ | XXXXX | null | Consent provided | Web | 2015-09-18 | Closed with explanation | Yes | No | 1,561,158 |
2022-06-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | Hello! I retained a paralegal company back in XXXX, the XXXX because I had 2 derogatory marks, both credit cards ( XXXX XXXX and chase ). They are both accounts that were open over 10 years ago and was closed over 7 years ago. I have been keeping up with my credit with all makor credit bureaus ( XXXX, Experian, XXXX ) ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10014 | null | Consent provided | Web | 2022-06-06 | Closed with explanation | Yes | null | 5,637,969 |
2023-07-26 | 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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted mone... | null | EQUIFAX, INC. | TX | 77583 | null | Consent provided | Web | 2023-07-26 | Closed with non-monetary relief | Yes | null | 7,309,800 |
2021-09-01 | 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. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX all have fraudulent accounts on my credit profile that needs to be removed immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30296 | null | Consent provided | Web | 2021-09-01 | Closed with explanation | Yes | null | 4,682,767 |
2023-02-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all r... | null | EQUIFAX, INC. | FL | 33614 | null | Consent provided | Web | 2023-02-03 | Closed with explanation | Yes | null | 6,526,365 |
2023-07-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not correct and update this accounts, I will take legal action a... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 07003 | null | Consent provided | Web | 2023-07-28 | Closed with explanation | Yes | null | 7,317,685 |
2022-11-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | 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... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 151XX | null | Consent provided | Web | 2022-11-11 | Closed with explanation | Yes | null | 6,190,110 |
2019-05-20 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | This complaint relates to a consumer credit card we closed several years ago. Last spring -- long after the card was closed -- Bank America apparently recorded some kind of charge on the card, without our authorization, from a company we don't currently recognize. It appears -- as we later learned -- that Bank America ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MA | 02138 | null | Consent provided | Web | 2019-05-21 | Closed with explanation | Yes | null | 3,248,358 |
2021-05-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you... | null | EQUIFAX, INC. | NC | 28027 | null | Consent provided | Web | 2021-05-05 | Closed with explanation | Yes | null | 4,353,979 |
2022-07-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 38106 | null | Consent provided | Web | 2022-07-27 | Closed with non-monetary relief | Yes | null | 5,817,373 |
2020-11-25 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | Hello.
I currently owe money to XXXX XXXX. It was sent over to a collection agency during the midst of the Covid-19 outbreak and I have not been able to pay the debt off. XXXX is very well aware of this and I understood the collection agency.
Recently the collection agency who had it apparently sold it to another c... | null | ENCORE CAPITAL GROUP INC. | SC | 29579 | Servicemember | Consent provided | Web | 2020-11-25 | Closed with non-monetary relief | Yes | null | 3,975,642 |
2023-04-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. | null | EQUIFAX, INC. | TX | 75042 | null | Consent provided | Web | 2023-04-04 | Closed with explanation | Yes | null | 6,793,664 |
2018-05-10 | Debt collection | I do not know | Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1. XXXX is attempting to enforce a lien on a debt that they accelerated and cancelled. They are actively foreclosing on my home on the cancelled debt. I submitted a complaint to the CFPB, and they asked for 60 days to investigate. My home would be foreclosed by the end of that 60 days, so they are dual tracking which i... | Company believes it acted appropriately as authorized by contract or law | NATIONSTAR MORTGAGE LLC | NC | 27712 | Servicemember | Consent provided | Web | 2018-05-10 | Closed with explanation | Yes | null | 2,902,600 |
2019-12-03 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I on XX/XX/2019 used an ATM machine usin g the private pin number given to me by Suntrust Bank in ATM receipt. When I called Suntrust Bank to inquire why my pin gav e me access to an alternate account which had {$570.00} when there was only according my records {$8.00}. They refused to give me a sufficient answer hung ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SUNTRUST BANKS, INC. | GA | 30310 | Older American | Consent provided | Web | 2019-12-03 | Closed with explanation | Yes | null | 3,456,185 |
2022-04-27 | 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 XXXX XXXX NEVADA XXXX XXXX Account # XXXX, has violated my rights.
XXXX5 U.S.C 1681 Section 602 A. states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my w... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 751XX | null | Consent provided | Web | 2022-04-27 | Closed with explanation | Yes | null | 5,505,591 |
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 | I XXXX XXXX performed a full credit report and I notice a couple fraudulent accounts reporting on my credit report.I never did business with any of these companies and I also noticed wrong addresses I never resided.I also received information it was data breach and my information was found on XXXX XXXXXXXX XXXX images... | null | EQUIFAX, INC. | FL | 33150 | null | Consent provided | Web | 2022-12-09 | Closed with explanation | Yes | null | 6,296,718 |
2020-01-27 | 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 | Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$12000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a vehicle and along with this purchase there was also a factory warranty. Shortly after it was purchased ... | null | EQUIFAX, INC. | TX | 760XX | null | Consent provided | Web | 2020-01-27 | Closed with explanation | Yes | null | 3,510,194 |
2023-04-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.
See the documents attached. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75104 | null | Consent provided | Web | 2023-04-03 | Closed with non-monetary relief | Yes | null | 6,789,981 |
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