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values | Issue stringlengths 16 80 | Sub_issue stringlengths 11 85 | Consumer_complaint_narrative stringlengths 12 11k | Company_public_response stringclasses 10
values | Company stringlengths 3 78 | State stringlengths 2 2 ⌀ | 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 1.3M 7.71M |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2017-09-04 | Credit card or prepaid card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Confusing or misleading advertising about the credit card | XXXX would not honor an offer to credit {$50.00} back on purchase of {$250.00} or more at XXXX. The XXXX offer is titled XXXX XXXX XXXX XXXX Spend {$250.00} or more, Get {$50.00} Back. Click once on the offer in the XXXX app and the text above is repeated. It also mentions 'Multiple Locations '. The same page states, '... | null | AMERICAN EXPRESS COMPANY | VA | 231XX | null | Consent provided | Web | 2017-09-04 | Closed with explanation | Yes | null | 2,657,809 |
2019-06-21 | 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 tried several times to file a dispute online. over several days. It always says currently unable to process your request. When I call in they say the online, dispute center is down. This has happened over and over again. Then they tell me I can send it in writing but need to send my ssn card and photo ID. No I w... | null | EQUIFAX, INC. | UT | 84107 | null | Consent provided | Web | 2019-06-21 | Closed with explanation | Yes | null | 3,282,616 |
2018-05-29 | Checking or savings account | Checking account | Managing an account | Banking errors | XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX RE : Events that transpired between XX/XX/XXXX - XX/XX/XXXX.
I, XXXX XXXX XXXX was seeking employment, I had my resume out on several different online employment sites. I was contacted via XXXX for a job position, on XX/XX/XXXX by a man claiming ... | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | MO | 65804 | Servicemember | Consent provided | Web | 2018-05-29 | Closed with explanation | Yes | null | 2,920,432 |
2021-01-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT. | null | EQUIFAX, INC. | FL | 33916 | null | Consent provided | Web | 2021-01-06 | Closed with explanation | Yes | null | 4,052,454 |
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 | On more than one occasion including XX/XX/XXXX I reached out to XXXX XXXX XXXX and invoked my right to privacy and opted out of them sharing any of my personal information regarding the account with them to any third party, financial institutions, including the credit bureaus. They have failed to comply over and over ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19143 | null | Consent provided | Web | 2022-11-16 | Closed with explanation | Yes | null | 6,205,452 |
2022-08-22 | 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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency fo... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11204 | null | Consent provided | Web | 2022-08-22 | Closed with non-monetary relief | Yes | null | 5,904,419 |
2020-09-17 | Checking or savings account | Checking account | Closing an account | Company closed your account | On XX/XX/2020 at XXXX XXXX ET I received a text alert from Bank of America stating that my checking account ending in XXXX has dropped to a negative balance of $ XXXX. I then received a phone call from a numbering posing to be Bank of America 's fraud protection department at XXXX XXXX ET. I was asked to identify myse... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MA | 022XX | null | Consent provided | Web | 2020-09-23 | Closed with explanation | Yes | null | 3,851,936 |
2022-01-01 | Credit card or prepaid card | Store credit card | Getting a credit card | Card opened as result of identity theft or fraud | An XXXX store card was fraudulently opened in my name. I have attempted to address this with synchrony bank but I am still receiving bills for the card and collection attempts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NY | 11746 | null | Consent provided | Web | 2022-01-01 | Closed with non-monetary relief | Yes | null | 5,061,737 |
2023-03-15 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | XXXX receivable management along with XXXX is trying to get a debt paid from stolen merchandise I dont have a police report for the XXXX XXXX phone because it was an inside job with a dishonest XXXX worker XXXX receivable management should speak with the company who sold them the debt and provide me with Proof that... | null | Source Receivables Management LLC | PA | 19132 | null | Consent provided | Web | 2023-04-04 | Closed with explanation | Yes | null | 6,692,218 |
2022-12-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
In the results... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 902XX | null | Consent provided | Web | 2022-12-19 | Closed with non-monetary relief | Yes | null | 6,334,353 |
2021-06-21 | 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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | CA | 90278 | null | Consent provided | Web | 2021-06-30 | Closed with explanation | Yes | null | 4,476,334 |
2019-04-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have numerous reports concerning the same issue and all go UNRESOLVED because you, my protection agency close the report immediately upon receipt of a response from the identified credit bureau. I am being denied credit or LOAN and charged usurious rates AND PAYMENT REQUIREMENTS TO PURCHASE based on incorrect and out... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 346XX | Older American, Servicemember | Consent provided | Web | 2019-04-02 | Closed with explanation | Yes | null | 3,198,894 |
2018-01-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have no knowledge of any accounts with XXXX XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXX... | null | EQUIFAX, INC. | AL | 350XX | null | Consent provided | Web | 2018-01-22 | Closed with explanation | Yes | null | 2,790,289 |
2022-03-05 | 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 | Inaccurate and unauthorized use of credit report | null | EQUIFAX, INC. | GA | 30286 | null | Consent provided | Web | 2022-03-05 | Closed with explanation | Yes | null | 5,287,757 |
2021-09-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX, equifax and XXXX has a collection on my reports. thats not mine and they refuse to remove or delete.
XXXX XXXX XXXX this account is not mine.
i was not notified of this account. i was not asked to validate if this account was in fact mine. there is no signed contract between me and XXXX XXXX XXXX. with my wet ... | null | EQUIFAX, INC. | FL | 335XX | null | Consent provided | Web | 2021-09-01 | Closed with explanation | Yes | null | 4,682,147 |
2020-07-06 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | On XXXX the XXXX, 2019 I contacted this company to see what was the debt, and how much the amount actually was. Since I never received correspondence about this debt, the debt just popped up on my credit report with two separate accounts with two different amounts. At the time of the conversation I asked the rep if I p... | null | Dyck-O'Neal, Inc. | MO | 63385 | Servicemember | Consent provided | Web | 2020-07-06 | Closed with explanation | Yes | null | 3,731,901 |
2023-04-12 | 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. | GA | 317XX | null | Consent provided | Web | 2023-04-12 | Closed with non-monetary relief | Yes | null | 6,827,795 |
2022-03-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me... | null | EQUIFAX, INC. | TN | 38128 | null | Consent provided | Web | 2022-03-17 | Closed with explanation | Yes | null | 5,336,658 |
2023-07-14 | 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 XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I hav... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 32807 | null | Consent provided | Web | 2023-07-14 | Closed with non-monetary relief | Yes | null | 7,249,988 |
2017-12-14 | Checking or savings account | Other banking product or service | Problem with a lender or other company charging your account | Transaction was not authorized | Law firm illegally removed funds and placed hold on remaining funds in 3 of my Bank of America accounts. Two accounts were IRA and XXXX rollover accounts and the third was my personal checking account. This will, also, affect my taxes due to the IRS for XXXX.
There was one non-refundable processing fee. I am involved ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TX | XXXXX | Older American | Consent provided | Web | 2017-12-14 | Closed with non-monetary relief | Yes | null | 2,754,371 |
2021-06-07 | 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 | On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 3... | null | EQUIFAX, INC. | FL | 32208 | null | Consent provided | Web | 2021-06-07 | Closed with explanation | Yes | null | 4,436,836 |
2017-01-26 | Student loan | Federal student loan servicing | Can't repay my loan | Can't decrease my monthly payments | My student loans are serviced by Navient. Over the last two decades, XXXX XXXX and Navient have failed to properly credit my account, have failed to place my loans in deferment and/or forbearance status. I am currently supposed to be in an interest only plan, which was explained to me that I would pay interest only unt... | null | Navient Solutions, LLC. | PA | 17011 | null | Consent provided | Web | 2017-01-26 | Closed with explanation | Yes | No | 2,310,025 |
2021-07-07 | 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 | Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? ... | null | EQUIFAX, INC. | NY | 10458 | null | Consent provided | Web | 2021-07-07 | Closed with explanation | Yes | null | 4,524,231 |
2023-03-26 | 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 | 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.
Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.
15 U.S.C 1681 ... | 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 | 2023-03-26 | Closed with non-monetary relief | Yes | null | 6,753,510 |
2019-08-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There are two collections account in my credit that I do not recognize, I have no knowledge of these account .Factual information is attach for you to review, please remove these account. | null | LEXISNEXIS | GA | 30045 | Servicemember | Consent provided | Web | 2019-08-31 | Closed with explanation | Yes | null | 3,361,116 |
2021-10-28 | 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 | Reported errors for over 2yrs, using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple d... | null | EQUIFAX, INC. | GA | 30087 | Servicemember | Consent provided | Web | 2021-10-28 | Closed with explanation | Yes | null | 4,854,142 |
2022-12-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | The status of these accounts reporting is an inaccurate account, from dates when the account was open, reported dates, dates of last active, date of last payment, and reporting charged off which is a violation of 15 U.S. Code 1681e ( b ).
If your company has filled out a 1099c form and is continuing any kind of colle... | null | DISCOVER BANK | IL | 60629 | Servicemember | Consent provided | Web | 2022-12-07 | Closed with explanation | Yes | null | 6,291,974 |
2023-07-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | To Whom It May Concern : I am writing to inform you of an inaccuracy in my credit reports regarding my name. I have noticed that the name XXXX, XXXX, XXXX, is being used instead of my correct legal name, XXXX XXXX. Please make the necessary changes to my records to reflect my legal name.
I will send you a copy of my ... | null | EQUIFAX, INC. | PA | 19140 | null | Consent provided | Web | 2023-07-01 | Closed with explanation | Yes | null | 7,184,308 |
2018-10-10 | 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 | XX/XX/2017 XXXX XXXX info Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company.
XX/XX/2017 XXXX XXXX Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company. | Company believes it acted appropriately as authorized by contract or law | ADIR INTERNATIONAL LLC | NV | 89107 | null | Consent provided | Web | 2018-10-12 | Closed with explanation | No | null | 3,041,880 |
2021-03-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not tak... | null | EQUIFAX, INC. | NJ | 078XX | null | Consent provided | Web | 2021-03-01 | Closed with explanation | Yes | null | 4,173,178 |
2023-05-04 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | I explained this debt is reappearing after on or about XX/XX/2022 I provided a police report and confirmed my address during the time the account was active. The representative told me I was mentally unwell ( XXXX ) and I'll pay this bill after they report it to the credit agencies. These charges were a result of ident... | Company believes the complaint provided an opportunity to answer consumer's questions | LJ Ross Associates | NJ | 08854 | null | Consent provided | Web | 2023-06-13 | Closed with explanation | Yes | null | 6,933,636 |
2018-04-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act 1970 against { XXXX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TX | 78253 | Servicemember | Consent provided | Web | 2018-04-18 | Closed with explanation | Yes | null | 2,879,858 |
2016-02-02 | Debt collection | I do not know | Disclosure verification of debt | Not given enough info to verify debt | I have mailed this collection company requesting debt validation. But have only received a letter of " an attempt to collect '' with my name and a total of how much I owe. with no other information or proof from an original creditor/company, showing that i owe this amount of money. | Company believes it acted appropriately as authorized by contract or law | Century Credit & Collections, LLC | CA | 93010 | null | Consent provided | Web | 2016-02-02 | Closed with explanation | Yes | Yes | 1,767,978 |
2023-08-31 | 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 | I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In t... | null | Experian Information Solutions Inc. | NY | 11219 | null | Consent provided | Web | 2023-08-31 | In progress | Yes | null | 7,477,334 |
2023-04-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my dri... | null | EQUIFAX, INC. | CA | 91202 | null | Consent provided | Web | 2023-04-18 | Closed with explanation | Yes | null | 6,857,634 |
2023-05-12 | 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 | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, I am writing to inform you of my intention to file a complaint with the Federal Trade Comm... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94580 | null | Consent provided | Web | 2023-05-12 | Closed with non-monetary relief | Yes | null | 6,971,972 |
2021-11-24 | 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 | Dear Sir or Madam, XXXX. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX... | null | EQUIFAX, INC. | TX | 75165 | null | Consent provided | Web | 2021-11-24 | Closed with explanation | Yes | null | 4,943,567 |
2021-06-14 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | Sca Collections Inc - Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SCA Collections, Inc. | CA | 92101 | null | Consent provided | Web | 2021-06-14 | Closed with explanation | Yes | null | 4,456,728 |
2023-08-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I submitted a letter to the Equifax Credit Bureau last XXXX XXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPL... | null | EQUIFAX, INC. | CA | 95207 | null | Consent provided | Web | 2023-08-19 | Closed with non-monetary relief | Yes | null | 7,427,835 |
2023-07-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress beca... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NE | 68104 | null | Consent provided | Web | 2023-07-24 | Closed with explanation | Yes | null | 7,287,990 |
2022-07-06 | 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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.
15 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. | null | EQUIFAX, INC. | NC | 28208 | null | Consent provided | Web | 2022-07-06 | Closed with explanation | Yes | null | 5,737,952 |
2020-02-10 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | For the past few months I've been writing and requesting documentation from Penn Credit to no avail, please help me! I have no idea what they are collecting for and their agents keep calling me at work and my cell! I've asked them several times both over the phone and in writing to please mail me information, which the... | Company believes it acted appropriately as authorized by contract or law | Penn Credit Corporation | PA | 175XX | null | Consent provided | Web | 2020-02-10 | Closed with explanation | Yes | null | 3,526,308 |
2022-12-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX.
XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX XXXX XXXX XXXX XXXX XXXX acknowledge that I was unable to fulfill the terms of the account ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | 631XX | null | Consent provided | Web | 2022-12-19 | Closed with non-monetary relief | Yes | null | 6,336,732 |
2020-04-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have tried every 60 days sending letters to credit bureaus to update information correctly because its reporting wrong on the bureaus. Last time I spoke with XXXX XXXX was XX/XX/XXXX. This acct has not been updated and last update was on XX/XX/XXXX showing a balance of XXXX which is incorrect payment have been made ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85044 | null | Consent provided | Web | 2020-04-17 | Closed with explanation | Yes | null | 3,611,933 |
2020-02-11 | Credit card or prepaid card | Store credit card | Fees or interest | Problem with fees | Synchrony Bank charged " transaction fees '' and interest fees for a purchase that was made 3 months ago at XXXX XXXX XXXX XXXX, the store for which this bank services their credit card accounts.
Made the purchase on by phone with the clear understanding that if the balance is pad off in 6 month, the there would be n... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NY | 10023 | Older American | Consent provided | Web | 2020-02-11 | Closed with explanation | Yes | null | 3,528,417 |
2019-05-17 | 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 and Transunion are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30120 | null | Consent provided | Web | 2019-05-17 | Closed with explanation | Yes | null | 3,245,652 |
2021-03-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have a closed c/o with finger hut listed on my experian credit report. I have disputed the account well over 5 times in the year with dispute, i've listed multiple issues with the account and inaccurate information listed on my report. After filing a complaint against XXXX XXXX with cfpb on XX/XX/XXXX, the issuing b... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 168XX | null | Consent provided | Web | 2021-03-05 | Closed with explanation | Yes | null | 4,188,915 |
2020-06-13 | 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 | REQUEST FOR FREE ANNUAL CREDIT REPORT!!!
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11580 | null | Consent provided | Web | 2020-06-13 | Closed with non-monetary relief | Yes | null | 3,697,830 |
2021-03-01 | Vehicle loan or lease | Loan | Problems at the end of the loan or lease | Unable to receive car title or other problem after the loan is paid off | Loan Paid Off XX/XX/XXXX Will not send title. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Bridgecrest Acceptance Corporation | CO | 810XX | null | Consent provided | Web | 2021-03-01 | Closed with explanation | Yes | null | 4,173,918 |
2022-07-13 | 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 in XXXX : XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX EQUIFAX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Accoun... | null | EQUIFAX, INC. | UT | 841XX | null | Consent provided | Web | 2022-07-13 | Closed with explanation | Yes | null | 5,763,275 |
2018-01-24 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | On XXXX XXXX, XXXX at XXXX XXXX, I received A phone call on my cellular phone from a local number that said XXXX, it was area code XXXX. When I answered the phone, a debt collector from a company called dynamic recovery solutions was on the line. They said their phone number was actually XXXX or XXXX. The person was na... | Company believes it acted appropriately as authorized by contract or law | Dynamic Recovery Solutions, LLC | CA | 93619 | null | Consent provided | Web | 2018-01-24 | Closed with non-monetary relief | Yes | null | 2,792,846 |
2021-05-07 | 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 Original creditor : XXXX XXXX XXXX XXXX XXXX.
{$3400.00} Balance updated XX/XX/2021 Please help. They are not trying to help me. Its not my credit card | null | EQUIFAX, INC. | NY | 11203 | null | Consent provided | Web | 2021-05-07 | Closed with explanation | Yes | null | 4,359,001 |
2023-01-28 | 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 this creditor XXXX XXXX XXXX and XXXX XXXX has Violated my rights.
15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an 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. | MI | 48021 | null | Consent provided | Web | 2023-01-28 | Closed with non-monetary relief | Yes | null | 6,494,277 |
2018-12-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... | null | EQUIFAX, INC. | CA | 923XX | null | Consent provided | Web | 2018-12-20 | Closed with explanation | Yes | null | 3,106,531 |
2023-03-06 | Checking or savings account | Other banking product or service | Managing an account | Funds not handled or disbursed as instructed | I created a new account with Cash App after losing access to many accounts that I have previously had with Cash App. I have been a documented victim of identity theft for the past year.
After creating a new account with Cash app, in documented written requests with there customer service department, I asked them to t... | null | Block, Inc. | OR | 971XX | null | Consent provided | Web | 2023-03-06 | Closed with explanation | Yes | null | 6,656,795 |
2020-03-10 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | I received a debt collection notice for {$200.00} from a company called Online Collections. Website is payments.onlinecollections.com and phone XXXX, address XXXX NC XXXX. XXXX XXXX, zip XXXX. Originating debt supposedly from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, phone XXXX. Address XXXX. XXXX XXXX XXXX XXXX CA XX... | null | ONLINE Information Services, Inc. | AZ | 85710 | null | Consent provided | Web | 2020-03-10 | Closed with explanation | Yes | null | 3,561,432 |
2023-07-25 | 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 HAVE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE LISTED BELOW.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28112 | null | Consent provided | Web | 2023-07-25 | Closed with explanation | Yes | null | 7,301,725 |
2016-02-22 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Trouble with how payments are handled | I had a financial aid hold on my account for an unpaid balance. XXXX University, XXXX XXXX XXXX, XXXX, PA XXXX, sent my account to collect agency, Conserve. I paid my remaining balance directly to XXXX in the amount of {$2700.00}, which left a collection fee left to be paid to Conserve of {$800.00}. I contacted Conserv... | null | Continental Services Group, Inc. d/b/a ConServe | CT | 06514 | null | Consent provided | Web | 2016-02-22 | Closed with explanation | Yes | No | 1,798,325 |
2019-09-03 | Student loan | Private student loan | Dealing with your lender or servicer | Don't agree with the fees charged | I enrolled in XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX. I started the class and after one week I withdrew from the program after badly failing their mandatory tests. Their boot camp is setup so that students can not complete the material in the time frame requested and most students fail or drop out with nothi... | Company believes complaint caused principally by actions of third party outside the control or direction of the company | Climb Credit Inc. | UT | 84115 | null | Consent provided | Web | 2019-09-03 | Closed with monetary relief | Yes | null | 3,361,881 |
2023-05-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil l... | null | EQUIFAX, INC. | AZ | 85041 | null | Consent provided | Web | 2023-05-16 | Closed with explanation | Yes | null | 6,985,813 |
2019-05-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I have received emails from Equifax claiming my dispute has been looked into and resolved. I have called and emailed multiple times to get this information and attempted to review online but their online system is down. I have called a total of 5 times and each time I am told the information I am providing is incorrect... | null | EQUIFAX, INC. | WA | 98375 | null | Consent provided | Web | 2019-05-08 | Closed with explanation | Yes | null | 3,235,513 |
2018-08-06 | Credit card or prepaid card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Didn't receive advertised or promotional terms | I opened my Amex business platinum and personal platinum card end of XXXX. All was going well, I received my XXXX sign up points, as I hit the correct threshold and earned them.
Amex on XX/XX/XXXX sent me an email saying they are taking away XXXX points. I called and they said bed. I downgraded within 6 months I lose ... | null | AMERICAN EXPRESS COMPANY | NJ | 08701 | null | Consent provided | Web | 2018-08-06 | Closed with explanation | Yes | null | 2,982,257 |
2018-09-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I went to CapitalOne 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back later on to complete my payment. now im seeing o... | null | CAPITAL ONE FINANCIAL CORPORATION | TX | XXXXX | null | Consent provided | Web | 2018-09-01 | Closed with explanation | Yes | null | 3,008,046 |
2021-11-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. The inaccurate information about my account is s... | null | EQUIFAX, INC. | GA | 30342 | null | Consent provided | Web | 2021-11-09 | Closed with explanation | Yes | null | 4,891,856 |
2017-10-24 | 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 | Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, Experian and XXXX and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit.
I asked for all XXXX credit agencies to remove inquirie... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30038 | null | Consent provided | Web | 2017-10-24 | Closed with explanation | Yes | null | 2,710,819 |
2018-06-23 | Checking or savings account | Checking account | Managing an account | Fee problem | I have had my checking account for over 10 years. Its a maintenance free account. For the past 3 months Suntrust started Mysteriously charging me a maintenance fee of XXXX dollars.
When I complained about it they refunded the money but then the next month they did the same thing.
XX/XX/XXXX {$10.00} FEE XX/XX/XXX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SUNTRUST BANKS, INC. | GA | XXXXX | null | Consent provided | Web | 2018-06-23 | Closed with monetary relief | Yes | null | 2,944,206 |
2022-06-09 | 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 have spent too much time disputing erroneous information on my credit and the bureaus have not had the responsibility to respond to me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PR | 00738 | null | Consent provided | Web | 2022-06-09 | Closed with non-monetary relief | Yes | null | 5,650,232 |
2022-09-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | please investigate the following accounts properly, multiple errors and discrepancies from previous reports.
multiple occasions when the accounts information were incorrect and had to be updated.
accounts with multiple incorrect payment history In accordance with the fair credit reporting act XXXX accounts of XXXX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10306 | null | Consent provided | Web | 2022-09-25 | Closed with explanation | Yes | null | 6,016,558 |
2023-04-26 | 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 | There is a inquiry that I do not know about on XX/XX/2023 I never applied for | null | ENOVA INTERNATIONAL, INC. | OH | 45215 | null | Consent provided | Web | 2023-04-26 | Closed with explanation | Yes | null | 6,895,579 |
2022-04-09 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | I sent Merchants Adjustment Service a debt validation letter XX/XX/2022 I have proof of a return recite. So I waited until XX/XX/XXXX to call them and ask them where are the validation of this debt I need proof they avoid sending me it. Then I call back and spoke to a male representative and ask them again about this d... | null | MERCHANTS ADJUSTMENT SERVICE, INC. | AL | 36116 | null | Consent provided | Web | 2022-04-09 | Closed with explanation | Yes | null | 5,425,457 |
2022-08-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) t... | null | EQUIFAX, INC. | TX | 75044 | null | Consent provided | Web | 2022-08-25 | Closed with explanation | Yes | null | 5,915,311 |
2019-08-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, ... | null | EQUIFAX, INC. | TX | 76018 | null | Consent provided | Web | 2019-08-05 | Closed with explanation | Yes | null | 3,329,428 |
2023-05-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | THESE INQUIRES WERE NOT MADE BY ME AND I HAVE SENT THEN SIGNFICANT AMOUNT OF PAPER WORK AND THEY REFUSE TO DELETE THESE ACCOUNTS.
Hard Inquires Listed : 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 XXXX XXXX XXXX XXXX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20904 | null | Consent provided | Web | 2023-05-12 | Closed with explanation | Yes | null | 6,970,471 |
2017-10-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | We purchased a property in XXXX XXXX and the owner carried a note for $ XXXX. I received a phone call from the note holder/owner on XXXX XXXX saying she needed the full amount now not 2 years or 4 years from now as she could n't recall what the note maturity date was. I told her 4 years and she said call this XXXX lady... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 789XX | Servicemember | Consent provided | Web | 2017-10-02 | Closed with non-monetary relief | Yes | null | 2,689,816 |
2023-05-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Now that my loan was transferred, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields would need to be updated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20903 | null | Consent provided | Web | 2023-05-11 | Closed with non-monetary relief | Yes | null | 6,967,022 |
2016-08-11 | Debt collection | Credit card | Disclosure verification of debt | Right to dispute notice not received | I attest that I, XXXX XXXX, both own this account and - am submitting on behalf of myself through the CFBP for all complaints. There is no Credit Repair agency involved, and there has not been one submitting any disputes or other information -- - on my behalf.
I will expect that with this deceleration that you allow f... | null | CAPITAL ONE FINANCIAL CORPORATION | NJ | 07050 | null | Consent provided | Web | 2016-08-11 | Closed with explanation | Yes | No | 2,056,084 |
2023-02-17 | 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 Account # 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 | Experian Information Solutions Inc. | GA | 31907 | Servicemember | Consent provided | Web | 2023-02-17 | Closed with explanation | Yes | null | 6,586,190 |
2019-04-13 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I consolidated my federal student loans in XX/XX/XXXX and have been working in public service ever since. There has been several times when the loan services has placed my account in a deferment status, without my knowledge or consent.
I requested that the deferment be removed from my account in XX/XX/XXXX and was in... | null | AES/PHEAA | NC | 28532 | Servicemember | Consent provided | Web | 2019-04-13 | Closed with non-monetary relief | Yes | null | 3,211,246 |
2023-01-27 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | The collection company calls multiple times a day. They have now started blocking their number in order to trick me into answering the phone. Just the last couple weeks here is a call list. This has been going on for longer than 6 months. I have asked them repeatedly to stop blocking their number as well.
XX/XX/23 @ X... | null | ENCORE CAPITAL GROUP INC. | UT | 84075 | null | Consent provided | Web | 2023-01-27 | Closed with non-monetary relief | Yes | null | 6,495,030 |
2022-07-14 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | Im was a XXXX XXXX with XXXX, l was introduce to XXXX currency trading last year with XXXX, since both are well trusted exchanges i thought my money was safe, after I open an account with XXXX, a group of XXXX currency traders approached me via XXXX, they claimed to have an exchange where you could learn to trade on da... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CO | 80249 | null | Consent provided | Web | 2022-07-14 | Closed with explanation | Yes | null | 5,770,469 |
2022-10-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am habitually ignored by Fifth Third Bank ( address : XXXX XXXX XXXX. XXXX, XXXX, OH ) employees no matter when I call or what the subject matter is. I have been calling XXXX XXXX ( phone # : XXXX ) XXXX, apparently in the office of the President of Fifth Third bank to report to her XXXX ) changes in my monthly mortg... | null | FIFTH THIRD FINANCIAL CORPORATION | FL | 338XX | Older American | Consent provided | Web | 2022-10-27 | Closed with explanation | Yes | null | 6,136,848 |
2020-04-10 | 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 | In XX/XX/XXXX I authorized my parents to use my Citibank credit card to buy scooter chair for {$5300.00}. When I later saw charge on statement didnt recognize charge and reported as fraud. Citi credited my card and issues a new one. By the time I realized the mistake my mom had already been reimbursed and contacted ven... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 344XX | null | Consent provided | Web | 2020-04-10 | Closed with explanation | Yes | null | 3,601,322 |
2021-11-03 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | south west credit systems is reporting derogatory on my credit file. debt was paid to XXXX on XX/XX/2021 {$210.00}. confirmation number XXXX south west credit systems is irresponsible, incompetent or fraudulent.
XXXX reports to me I don't owe them anything | null | Southwest Credit Systems, L.P. | FL | 33026 | null | Consent provided | Web | 2021-11-03 | Closed with explanation | Yes | null | 4,872,940 |
2018-02-03 | Debt collection | Payday loan debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | Was notified by mail about a debt that was sold to 3rd party collection agency claiming to be a law office. I was notified in XXXX 2017 by letter stating that they have made several attempts to reach out to me about the debt and that if they did not here back from me with in a certain amount of time they would be proce... | Company disputes the facts presented in the complaint | The Law Offices of Kenosian & Miele, LLP | CA | 92592 | null | Consent provided | Web | 2018-02-03 | Closed with explanation | Yes | null | 2,802,816 |
2023-07-07 | 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 am a victim of identity theft please remove this fraud inquiry from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60419 | null | Consent provided | Web | 2023-07-07 | Closed with non-monetary relief | Yes | null | 7,213,085 |
2023-05-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items.... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78665 | null | Consent provided | Web | 2023-05-19 | Closed with non-monetary relief | Yes | null | 6,996,014 |
2023-06-10 | 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 | Experians dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Equifax XXXX FILE : XX/XX/XXXX Confirmation # XXXX, verified and validated that my XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX re-aging the ... | null | EQUIFAX, INC. | IL | 60030 | null | Consent provided | Web | 2023-06-10 | Closed with explanation | Yes | null | 7,098,660 |
2023-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me wi... | null | EQUIFAX, INC. | MD | 211XX | null | Consent provided | Web | 2023-08-14 | Closed with non-monetary relief | Yes | null | 7,400,131 |
2016-01-26 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | I Keep Getting A Auto teller Telling Me I Owe A Debt To Press A Number And I Am On The No Call List..I Told Therm Not To Call My Cell Phone The Auto Teller Still Calls | Company chooses not to provide a public response | United Consumers Inc | MD | 20746 | null | Consent provided | Web | 2016-01-26 | Closed with explanation | Yes | No | 1,759,356 |
2022-10-05 | 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 XXXX and TransUnion credit bureaus must validate this account 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 ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 937XX | null | Consent provided | Web | 2022-10-05 | Closed with non-monetary relief | Yes | null | 6,055,007 |
2023-04-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I discovered that many accounts 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 any proof... | null | EQUIFAX, INC. | FL | 33141 | null | Consent provided | Web | 2023-04-27 | Closed with explanation | Yes | null | 6,891,761 |
2023-01-24 | 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 | Experian Information Solutions Inc. | IL | 604XX | null | Consent provided | Web | 2023-01-24 | Closed with explanation | Yes | null | 6,480,435 |
2021-08-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have consistently been denied access to credit by more then 10 banks because according to my credit report inaccurate items are on there that are tarnishing my reputation. Which is a violation of 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or pr... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34606 | null | Consent provided | Web | 2021-08-24 | Closed with explanation | Yes | null | 4,656,589 |
2020-06-22 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33127 | null | Consent provided | Web | 2020-06-22 | Closed with explanation | Yes | null | 3,710,614 |
2022-03-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I received a copy of my consumer credit report from Factor Trust Inc. on XX/XX/XXXX, Report # XXXX. The credit report was extremely extensive and contained multiple inaccuracies and outdated personal data.
I mailed a formal dispute on XX/XX/XXXX to Factor Trust Inc and waited for results.
After no response, I mailed ... | null | Factor Trust | MS | 39501 | null | Consent provided | Web | 2022-03-23 | Closed with explanation | Yes | null | 5,289,485 |
2022-04-29 | 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, has violated my rights.
15 U.S.C 1681 section 602 A. states i have the right to privayc.
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 | Experian Information Solutions Inc. | NY | 10701 | null | Consent provided | Web | 2022-04-29 | Closed with non-monetary relief | Yes | null | 5,518,681 |
2023-07-26 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | CEASE and DESIST- Hello and thank you for confirming that XXXX XXXX XXXX XXXX PMT XXXX, LLC is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collec... | Company believes it acted appropriately as authorized by contract or law | PMT Solutions, LLC. | PA | 19139 | null | Consent provided | Web | 2023-07-26 | Closed with explanation | No | null | 7,309,284 |
2021-12-16 | 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/21 THERE WERE COLLECTION ACCOUNT ADDED & DEROGATORY MARK ON MY CREDIT REPORT PER TRANSUNION UPON FURTHER RESEARCH THE ACCOUNT WAS TRANSFERRED AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT, DEBTOR CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO FORM OF WRITTEN COMMUNICATION, CONTRACT OR SIGNATURE FO... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19124 | null | Consent provided | Web | 2021-12-16 | Closed with non-monetary relief | Yes | null | 5,015,374 |
2022-02-24 | 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 on several different occasion to include more that 60 days attempted to have the three items in collections removed from my XXXX and XXXX credit files. I have also contacted the companies that entered the collections. I have asked for original signatures on any loans. I have asked for original HIPPA forms with o... | null | CAINE & WEINER COMPANY, INC. | GA | 30281 | Servicemember | Consent provided | Web | 2022-02-24 | Closed with explanation | Yes | null | 5,256,801 |
2017-10-30 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | Emergency room visit for 3 hours and got {$15000.00} bill. Refused to pay. Date of Service XXXX/XXXX/XXXX. Hospital wrote it off on XXXX/XXXX/XXXX. Commonwealth Financial Systems started harassing me and reporting me to credit bureau XXXX. The debt has been charges off since XXXX. They are attempting to collect a debt ... | null | Commonwealth Financial Systems, Inc. | TN | 378XX | Older American | Consent provided | Web | 2017-10-30 | Closed with explanation | Yes | null | 2,716,149 |
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