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values | Complaint_ID int64 1.29M 7.78M |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2023-01-29 | 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX : XXXX XXXX XXXX XXXX # XXXX : XXXX XXXX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76002 | null | Consent provided | Web | 2023-01-29 | Closed with non-monetary relief | Yes | null | 6,502,926 |
2023-02-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXt Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77075 | Servicemember | Consent provided | Web | 2023-02-26 | Closed with non-monetary relief | Yes | null | 6,615,775 |
2023-08-12 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Credit card company won't increase or decrease your credit limit | American Express has violated my rights as a consumer. They have broken the law and the Equal Credit Opportunity Act ( ECOA ). I have been discriminated against more times than once. This is my final attempt to rectify the situation before heading to a federal courthouse. I have provided proof of the violation in the l... | null | AMERICAN EXPRESS COMPANY | IL | 60620 | Servicemember | Consent provided | Web | 2023-08-12 | Closed with explanation | Yes | null | 7,391,406 |
2023-05-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXXXXXX XXXX has placed information on my credit file. They will not accept the fact that I no longer am interested in their product. I have no legal obligation to continue to pay for something I do not use and do not own. I have contacted them on several occasions and they refuse to close my account and leave me alo... | null | Experian Information Solutions Inc. | NC | 28212 | Servicemember | Consent provided | Web | 2023-05-07 | Closed with explanation | Yes | null | 6,940,155 |
2020-10-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is a complaint about incorrect Foreclosure Starting ( FS ) and a Negative ( N ) mark on my XXXX Credit Report for XX/XX/2020.
This is reported By Specialized Loan Servicing XXXX SLS. net my previous mortgage company.
In 2020 I was in forbearance from XX/XX/2020 - XX/XX/2020 On XX/XX/2020 I paid off SLS in fu... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | FL | 33143 | null | Consent provided | Web | 2020-10-15 | Closed with explanation | Yes | null | 3,895,996 |
2023-09-14 | Credit card | General-purpose credit card or charge card | Problem with a company's investigation into an existing problem | Was not notified of investigation status or results | I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NE | 68104 | null | Consent provided | Web | 2023-09-14 | Closed with non-monetary relief | Yes | null | 7,550,304 |
2022-07-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75254 | Servicemember | Consent provided | Web | 2022-07-10 | Closed with non-monetary relief | Yes | null | 5,753,257 |
2019-01-03 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Don't agree with the fees charged | My complaint is about Navient.
I am a resident physician who took out money for medical school. I am now a second-year resident so this is my second year paying on the loan. I have to be on an income-based repayment plan because my income ( ~ $ XXXX ) can not possibly make the payment on my > {$200000.00} student loa... | null | Navient Solutions, LLC. | OH | 432XX | null | Consent provided | Web | 2019-01-04 | Closed with explanation | Yes | null | 3,116,206 |
2022-03-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Had previously filed a complaint against Aspen for their illegal third party reporting on my credit and they have removed the incorrect information ; however, my husband who was also on the fraudulent contract also still has a blemish on his credit report with XXXX XXXX | null | Aspen National Financial, Inc. | CA | 95330 | null | Consent provided | Web | 2022-03-02 | Closed with non-monetary relief | Yes | null | 5,277,384 |
2020-11-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I have disputed an account from my credit report that is still there and per the laws incorrect and inaccurate info would be grounds for removal and this has not happened. Not only has it not happened I have never received my investigation results. One of the times I even sent out the mail via certified so I know they ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32707 | null | Consent provided | Web | 2020-11-13 | Closed with explanation | Yes | null | 3,952,378 |
2018-05-19 | 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 | 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or emai... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32301 | null | Consent provided | Web | 2018-05-19 | Closed with explanation | Yes | null | 2,911,991 |
2022-02-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I sent letters to Equifax, XXXX XXXX XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my ... | null | EQUIFAX, INC. | NC | 27332 | null | Consent provided | Web | 2022-02-08 | Closed with explanation | Yes | null | 5,198,261 |
2022-08-16 | 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 | My name is XXXX XXXX and I am a federally protected consumer. I am filing this complaint against TRANSUNION for continuing to furnish unauthorized information to my consumer report. On XX/XX/XXXX I received a letter from XXXX XXXXXXXX stating that " On XX/XX/XXXX, we sent a request to the Consumer Reporting Agencies ( ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 70001 | null | Consent provided | Web | 2022-08-16 | Closed with explanation | Yes | null | 5,883,794 |
2022-02-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states t... | null | EQUIFAX, INC. | OH | 45458 | null | Consent provided | Web | 2022-02-24 | Closed with explanation | Yes | null | 5,258,967 |
2022-12-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investi... | null | EQUIFAX, INC. | FL | 33584 | null | Consent provided | Web | 2022-12-01 | Closed with explanation | Yes | null | 6,267,254 |
2023-03-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the... | null | EQUIFAX, INC. | FL | 33166 | null | Consent provided | Web | 2023-03-02 | Closed with explanation | Yes | null | 6,632,653 |
2018-08-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I submitted a dispute on XXXX XXXX with Transunion on XX/XX/2018 for a XXXX XXXX XXXX card that was opened fraudulently. I still have yet to receive my results or they have not finished their investigation and it's been 2 months. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MN | 566XX | null | Consent provided | Web | 2018-08-11 | Closed with explanation | Yes | null | 2,988,953 |
2018-07-06 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | SRA collection company location XXXXXXXX XXXX XXXXXXXX XXXX XXXX nj zip code XXXX phone is { XXXX } XXXX XXXX, my complaint is that there unlawfully pulling my credit report doing soft pulls and also calling my home phone XXXX XXXX around XXXX in the morning and also my cell phone XXXX XXXX too I told them that I don't... | null | SRA Associates, Inc. | NY | 10303 | null | Consent provided | Web | 2018-07-06 | Closed with explanation | Yes | null | 2,956,078 |
2023-08-13 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Sent card you never applied for | Someone trying to open a credit card with my name on it. | null | CAPITAL ONE FINANCIAL CORPORATION | CA | 91007 | Older American | Consent provided | Web | 2023-08-13 | Closed with non-monetary relief | Yes | null | 7,394,845 |
2020-08-12 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I am XXXX XXXX working as a XXXX/XXXX in which my business has been detrimentally effected by this pandemic. I applied for an economic injury disaster loan ( EIDL ) through the Small Business Association ( SBA ) on XX/XX/2020. I was approved for {$20000.00} on XX/XX/2020 and my chase account was funded on XX/XX/2020. T... | null | JPMORGAN CHASE & CO. | CA | 94603 | null | Consent provided | Web | 2020-08-12 | Closed with explanation | Yes | null | 3,793,050 |
2019-09-19 | 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. The information listed below, which appears on my credit report, does not relate to any transaction XXXX XXXX ) that I have made. It is the result of identity theft. | null | EQUIFAX, INC. | PA | 19143 | null | Consent provided | Web | 2019-09-19 | Closed with explanation | Yes | null | 3,379,425 |
2021-01-23 | Credit card or prepaid card | Store credit card | Other features, terms, or problems | Other problem | Paid off Amazon card and it has been closed and for over 6 months Ive continued paying and I just noticed that the balance is always different. Im beginning to think this is fraudulent. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TX | 78251 | null | Consent provided | Web | 2021-02-08 | Closed with monetary relief | Yes | null | 4,088,734 |
2017-05-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Someone tried to open a PayPal credit card with my info. I called the company and they closed it but it still shows as a hard inquiry in my credit report in XXXX . XXXX / XXXX / 17 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | CA | 90604 | Older American | Consent provided | Web | 2017-05-21 | Closed with non-monetary relief | Yes | null | 2,489,921 |
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 | 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 Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information witho... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 117XX | null | Consent provided | Web | 2023-06-08 | Closed with explanation | Yes | null | 7,082,312 |
2022-11-28 | 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 XXXX Account # XXXX, has violated my rights. Account XXXX XXXX XXXX 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 instructi... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77477 | null | Consent provided | Web | 2022-11-28 | Closed with explanation | Yes | null | 6,251,448 |
2021-10-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first... | null | EQUIFAX, INC. | MD | 21075 | null | Consent provided | Web | 2021-10-28 | Closed with explanation | Yes | null | 4,854,583 |
2019-05-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR. | null | EQUIFAX, INC. | NY | 10801 | null | Consent provided | Web | 2019-05-30 | Closed with explanation | Yes | null | 3,258,349 |
2015-12-22 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | Focus Receivables placed a collection account from XXXX in my credit file. I was never contacted by them by phone or mail and had no know of this account. I have lived at my current address for over 10 years and have not had an account with XXXX. To make matters worse, they the high balance showing at {$110.00} and a t... | Company believes it acted appropriately as authorized by contract or law | Focus Holding Company | TX | 75134 | null | Consent provided | Web | 2015-12-22 | Closed with explanation | Yes | No | 1,713,400 |
2023-02-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.
See the documents attached. | null | EQUIFAX, INC. | MI | 48214 | null | Consent provided | Web | 2023-02-27 | Closed with explanation | Yes | null | 6,623,429 |
2019-06-27 | Debt collection | Credit card debt | Written notification about debt | Didn't receive notice of right to dispute | I have done all 3 credit bureaus " debt validation " which was a joke!.
I want verified debt history of this collection account with notarized documentation of portfolio recovery associates ownership. AND PAYMENT HISTORY.
FCRA & FDCPA VIOLATION!
THIS is a collection account and under FDCPA & FCRA IS A VIOLATION to m... | null | PORTFOLIO RECOVERY ASSOCIATES INC | WI | 549XX | null | Consent provided | Web | 2019-06-27 | Closed with explanation | Yes | null | 3,288,604 |
2023-10-10 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | On XX/XX/2023 I went to XXXX XXXX in XXXX Florida to purchase a Suv. The agent that I spoke to whose name was XXXX informed me that only one hard credit inquiry would be on my credit report if I decided to proceed with the Transaction. Upon checking my credit report there are two hard inquiries on XXXX credit report an... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | HYUNDAI CAPITAL AMERICA | FL | 34761 | null | Consent provided | Web | 2023-10-10 | Closed with explanation | Yes | null | 7,676,143 |
2022-03-17 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Company closed your account | American Express closed down my credit card account without giving me any notice or reason why. I called them and no one can explain why they close my account I even asked to speak to the manager and they cant seem to find a reason for closing my account. Everything was up-to-date with my card I was very responsible wi... | null | AMERICAN EXPRESS COMPANY | NY | 11433 | null | Consent provided | Web | 2022-03-17 | Closed with explanation | Yes | null | 5,335,195 |
2020-10-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below i... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 806XX | null | Consent provided | Web | 2020-10-08 | Closed with explanation | Yes | null | 3,889,351 |
2018-07-12 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I just graduated in XX/XX/2018. Despite me paying more than the amount due each month, Navient increased the principal on my three subsidized loans. I check my student loans weekly and the principal on my subsidized loans were ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, and ( 4 ) {$1100.00} with {$0.00} interest accrued on eac... | null | Navient Solutions, LLC. | CA | 91941 | null | Consent provided | Web | 2018-07-12 | Closed with explanation | Yes | null | 2,961,700 |
2023-08-01 | 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 is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33461 | null | Consent provided | Web | 2023-08-01 | Closed with non-monetary relief | Yes | null | 7,336,619 |
2021-10-25 | Credit card or prepaid card | Store credit card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | I have received multiple letters/correspondence from Target Card Services that I have a balance on my credit card ( see attached as one letter received for the period of XXXX ). I have not used the card in about one year. I made a police report today ; the temp ID number with XXXX Sheriff is XXXX. I think this is relat... | null | TD BANK US HOLDING COMPANY | CA | 95864 | null | Consent provided | Web | 2021-10-25 | Closed with explanation | Yes | null | 4,840,531 |
2022-02-14 | Checking or savings account | Checking account | Managing an account | Funds not handled or disbursed as instructed | On XX/XX/XXXX ( shown as XX/XX/XXXX on the online chase bank activities ), there were five unauthorized ACH transactions, total {$23000.00} were taken from my business checking account. They were all online fraud by hackers. I reported to Chase and asked for bank account protection prior to and during the transactions.... | null | JPMORGAN CHASE & CO. | IL | 60564 | null | Consent provided | Web | 2022-02-14 | Closed with monetary relief | Yes | null | 5,220,401 |
2021-02-12 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | I have been a customer of this credit card company for a long time. I have made purchases with the card, and have been making payments. The interest rate on my purchases is 10.99 %. I did a Balance Transfer recently, at an interest rate of 6.99 %.
When I make my monthly payment, it is being applied to the Balance Tra... | null | DISCOVER BANK | VA | 241XX | null | Consent provided | Web | 2021-02-12 | Closed with explanation | Yes | null | 4,136,072 |
2022-09-07 | 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 | Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private fo... | null | EQUIFAX, INC. | AL | 362XX | null | Consent provided | Web | 2022-09-07 | Closed with explanation | Yes | null | 5,958,066 |
2017-04-28 | 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 | Companies doing hard inquires days with each other. Causing XXXX or more hard inquires to hit my credit score f or XXXX company. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IN | 471XX | null | Consent provided | Web | 2017-04-28 | Closed with explanation | Yes | null | 2,470,339 |
2022-03-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | In XXXX I paid my account in full. Then in XXXX interest from my last statement occurred did not know and was not notified until I seen a missed payment on my credit report for {$14.00} called to speak with them they said there is nothing they can do that I have to contact the credit agencies paid in full {$32.00} beca... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 33404 | null | Consent provided | Web | 2022-03-09 | Closed with explanation | Yes | null | 5,301,905 |
2023-04-15 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | Debt validation request was delivered on XX/XX/XXXX and I have not received the requested information within a timely manner. | null | AFNI INC. | NC | 27804 | null | Consent provided | Web | 2023-04-15 | Closed with explanation | Yes | null | 6,842,663 |
2019-03-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | In XXXX, I paid " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX, FL XXXX, the agreed upon amount to close my collection account. The collection was still being reported on XXXX back in XXXX, so I called to see what the issue was, and XXXX XXXX XXXX informed me that everything should be all cleared up. It is now XX... | Company believes it acted appropriately as authorized by contract or law | ERC | NY | 11370 | null | Consent provided | Web | 2019-03-12 | Closed with explanation | Yes | null | 3,177,402 |
2020-01-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Per FTC sec 609 companies are not validating credit account. They are simply verifying my information. | null | AFNI INC. | CA | 90220 | null | Consent provided | Web | 2020-01-27 | Closed with explanation | Yes | null | 3,510,948 |
2020-05-27 | Debt collection | Mortgage debt | Took or threatened to take negative or legal action | Seized or attempted to seize your property | This is a continued " Phantom Debt '' to which is aided by heavy handed law firms aiding and abetting in stealing real property disguised as a " debt '' owed.
The Debt was with an entirely different lender named in the contract and under Contract law of California CCP 337 had expired many years ago. Despite the facts... | null | Mr. Cooper Group Inc. | CA | 90740 | null | Consent provided | Web | 2020-06-12 | Closed with explanation | Yes | null | 3,670,729 |
2023-03-21 | 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 inaccurate 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 | Experian Information Solutions Inc. | WA | 98034 | null | Consent provided | Web | 2023-03-21 | Closed with explanation | Yes | null | 6,730,821 |
2019-05-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have no knowledge of these accounts. They are reporting on my report under Navinent. | null | Navient Solutions, LLC. | SC | 293XX | null | Consent provided | Web | 2019-05-21 | Closed with explanation | Yes | null | 3,248,512 |
2023-04-05 | 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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing pro... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 080XX | null | Consent provided | Web | 2023-04-05 | Closed with explanation | Yes | null | 6,800,293 |
2017-04-01 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt was paid | I got a call from XXXX ( XXXX/ XXXX Claim Number XXXX ) stating that I owed them {$2700.00} from a Tv that I took out in XX/XX/2012. All my accounts have been closed with conns in good standings and paid in full. I stopped by conns they printed me where I 'm paid off with no balance due. My biggest issue is how they HA... | null | Conn's, Inc. | TX | 78586 | null | Consent provided | Web | 2017-04-15 | Closed with explanation | Yes | No | 2,414,548 |
2021-01-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have an auto loan with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX I wrote a letter accompanied with bank statements to dispute payments that were reported as missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XXXX of XXXX. All of these payments were set up for recurring payments thoug... | null | EQUIFAX, INC. | MA | 01843 | null | Consent provided | Web | 2021-01-06 | Closed with explanation | Yes | null | 4,049,906 |
2019-12-10 | 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 | Recently tried to see if a business I owned was eligible for business credit on. I do not recall applying for the credit, only checking through pre-qualification letter I received by chase. I have also noticed two hard pulls by XXXX. My personal credit was pulled and now showing a hard inquiry. Both under the pretense ... | null | JPMORGAN CHASE & CO. | FL | 33626 | null | Consent provided | Web | 2019-12-10 | Closed with explanation | Yes | null | 3,463,839 |
2023-03-07 | 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 tried to contact Bank of America concerning a credit check on my account. They would not help me as I do not have any BOA accounts.
The credit entry was done on XXXX/XXXXXXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | ID | 83301 | null | Consent provided | Web | 2023-03-07 | Closed with non-monetary relief | Yes | null | 6,660,316 |
2023-07-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SC | 29579 | null | Consent provided | Web | 2023-07-17 | Closed with explanation | Yes | null | 7,262,967 |
2017-11-13 | Debt collection | Other debt | Communication tactics | You told them to stop contacting you, but they keep trying | I c systems is contacting me for a debt that is no longer with Ic systems the debt now has been transferred to XXXX XXXX XXXX I have asked Ic Systems to stop calling me more than once I asked that they only contact me through the mail only the debt is no longer Ic IC systems debt please stop contacting me please | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | VA | XXXXX | null | Consent provided | Web | 2017-11-20 | Closed with explanation | Yes | null | 2,727,493 |
2017-09-10 | 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 | Bank of America performed an unauthorized hard credit inquiry on XXXX/XXXX/XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MD | 20910 | null | Consent provided | Web | 2017-09-10 | Closed with non-monetary relief | Yes | null | 2,664,467 |
2023-04-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I sent a certified letter of validation to the collection agency XXXX, on XXXX XXXX, which they recieved on XXXX XXXX. They never responded back to me within 31 days of the letter. So for a debt that I don't owe it is a violation of the FCRA and the FDCP. Therefore if it could'nt be validated XXXX must request that all... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | DE | 19977 | null | Consent provided | Web | 2023-04-03 | Closed with explanation | Yes | null | 6,790,312 |
2023-06-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is to inform you that I XXXX XXXX is a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit re... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93711 | null | Consent provided | Web | 2023-06-23 | Closed with non-monetary relief | Yes | null | 7,158,122 |
2022-11-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30906 | null | Consent provided | Web | 2022-11-25 | Closed with non-monetary relief | Yes | null | 6,241,061 |
2023-02-05 | 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 | 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 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 15 U.S.C 1666B ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30906 | null | Consent provided | Web | 2023-02-05 | Closed with explanation | Yes | null | 6,524,255 |
2021-12-22 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | In XX/XX/2021 I opened an account with Santander Bank at one of their branch locations in XXXX, XXXX. I sat with one of their associates who walked me through the process, then I had to watch a short video to see what kind of checking account I would like to open. The video should two options and one of them mentioned ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SANTANDER BANK, NATIONAL ASSOCIATION | PA | 19104 | null | Consent provided | Web | 2021-12-22 | Closed with explanation | Yes | null | 5,035,783 |
2022-08-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There are accounts showing on transunion credit report that are not mine. They have failed to provide proof of ownership. These accounts are not mine | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 433XX | null | Consent provided | Web | 2022-08-03 | Closed with non-monetary relief | Yes | null | 5,833,468 |
2023-02-22 | 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 | On XX/XX/2023 I was bnuying tickets on Delta Airlines. As I was moving through the online purchase, an offer for a American Express Gold Delta rewards card promotion appeared, offering {$300.00} off a {$1200.00} ticket price. I chose to apply and take advantage of the offer, lowering my total airline ticket price to ar... | null | AMERICAN EXPRESS COMPANY | VA | 23222 | null | Consent provided | Web | 2023-02-22 | Closed with explanation | Yes | null | 6,596,687 |
2021-04-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of... | null | EQUIFAX, INC. | TN | 38125 | null | Consent provided | Web | 2021-04-06 | Closed with explanation | Yes | null | 4,275,703 |
2019-11-13 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | Already took it off my XXXX but will not take it off my XXXX the loan is from 2009 originally | null | Riverwalk Financial Corporation | FL | 330XX | null | Consent provided | Web | 2019-11-13 | Closed with explanation | Yes | null | 3,436,712 |
2022-08-03 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | Good Morning, This is my second time having to contact you all re : Discover. I do not dispute that I owe them money, however, I called them many months ago to explain that I am not currently working full time due to effects of long term covid. They agreed to lower my interest rate to under 10 % ( from an obscene 25 % ... | null | DISCOVER BANK | VA | 245XX | null | Consent provided | Web | 2022-08-03 | Closed with explanation | Yes | null | 5,839,215 |
2022-11-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX Account number XXXX XXXX has violated my rights. Account name XXXX XXXXXXXX Account number XXXX, has violated my rights.
... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 331XX | null | Consent provided | Web | 2022-11-20 | Closed with non-monetary relief | Yes | null | 6,226,114 |
2023-08-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28304 | null | Consent provided | Web | 2023-08-15 | Closed with explanation | Yes | null | 7,402,969 |
2023-08-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | By the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. XXXX and Experian are consumer reporting agencies, and I am the consumer. As a consumer, I possess the right to... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30080 | null | Consent provided | Web | 2023-08-03 | Closed with explanation | Yes | null | 7,339,993 |
2021-10-16 | 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 | Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$230.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$320.00} Account Name : XXXX XXXX Account Numbe... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 37130 | null | Consent provided | Web | 2021-10-16 | Closed with explanation | Yes | null | 4,815,768 |
2018-11-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | The company XXXX XXXX appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed th... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FC HoldCo LLC | IL | 60647 | null | Consent provided | Web | 2018-11-21 | Closed with explanation | Yes | null | 3,080,415 |
2021-08-27 | Credit card or prepaid card | Store credit card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On approximately XXXX, i bought a XXXX XXXX console from XXXX-XXXX, using Paypal credit , synchrony bank. Vendor is a scammer, he shipped an item to my neighbor. It was not addressed to me and was not sent to my address. Vendor claimed item was shipped to ME, printed my name and address on an invoice and submitted tha... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | AZ | 85713 | null | Consent provided | Web | 2021-08-27 | Closed with monetary relief | Yes | null | 4,667,779 |
2022-11-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | equifax, XXXX and XXXX has some accounts on my credit that is not mine. | null | EQUIFAX, INC. | FL | 336XX | null | Consent provided | Web | 2022-11-13 | Closed with explanation | Yes | null | 6,198,890 |
2022-08-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX will not let me dispute any of the account they are marked potentially negative 35 of them that are closed and older than 6 to 7 years. Also I have a current account that is not late with TD auto Finance they also have potentially negative i contacts the td finance and they told me to dispute thru XXXX but XXXX wi... | null | TD BANK US HOLDING COMPANY | FL | 33321 | null | Consent provided | Web | 2022-08-13 | Closed with explanation | Yes | null | 5,876,229 |
2023-02-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providin... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 38305 | null | Consent provided | Web | 2023-02-28 | Closed with non-monetary relief | Yes | null | 6,621,199 |
2022-06-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # 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 ... | null | CAINE & WEINER COMPANY, INC. | OK | 73110 | null | Consent provided | Web | 2022-06-07 | Closed with explanation | Yes | null | 5,640,955 |
2022-09-03 | 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 Everything has to be 100 % accurate on my credit. XXXX XXXX XXXX has violated my rights.
The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate,... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90047 | null | Consent provided | Web | 2022-09-03 | Closed with non-monetary relief | Yes | null | 5,945,963 |
2022-11-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Please note, this is not a duplicate complaint, I'm sending this complaint because Experian turned me down with my dispute an error on my report. I had to do my own investigation and provide new evidence to this matter. So, XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bure... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60517 | null | Consent provided | Web | 2022-11-06 | Closed with non-monetary relief | Yes | null | 6,170,845 |
2023-09-06 | 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 | Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or con... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33189 | null | Consent provided | Web | 2023-09-06 | Closed with non-monetary relief | Yes | null | 7,506,080 |
2022-05-05 | 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 | Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize. | null | EQUIFAX, INC. | PA | 17110 | null | Consent provided | Web | 2022-05-05 | Closed with explanation | Yes | null | 5,542,627 |
2022-08-02 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
I am very annoyed and disappointed when I got my... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77054 | null | Consent provided | Web | 2022-08-02 | Closed with non-monetary relief | Yes | null | 5,834,703 |
2022-04-21 | Debt collection | Medical debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I am a federally protected consumer. I am directing this complaint against Transworld Systems Inc, for committing identity theft. Upon reviewing my credit report i noticed a fraudulently furnished account ( ACCT # : XXXX ) made by Transworld Systems Inc. I have never given Transworld Systems Inc, any permission to use ... | null | TRANSWORLD SYSTEMS INC | FL | 32209 | null | Consent provided | Web | 2022-04-21 | Closed with explanation | Yes | null | 5,481,380 |
2022-09-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again.
XXXX ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90272 | null | Consent provided | Web | 2022-09-03 | Closed with non-monetary relief | Yes | null | 5,946,602 |
2023-03-16 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | i am a customer of Chime Bank for over 1 year! For 1 whole year, I have been a loyal bank customer with them, having my checks direct deposited into my checking account. I filed my taxes, and my taxes were set to be deposited into my chime checking account I believed to be on XX/XX/XXXX. in which, it was deposited! The... | null | Chime Financial Inc | MA | 010XX | null | Consent provided | Web | 2023-03-16 | Closed with explanation | Yes | null | 6,703,866 |
2021-08-16 | 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 | Equifax is reporting items on my credit report which are inaccurate i have sent them documentation on many occasions from the source they claimed to have verified it from that the information they are reporting is incorrect and they have yet to fix the problem | null | EQUIFAX, INC. | MD | XXXXX | null | Consent provided | Web | 2021-08-16 | Closed with explanation | Yes | null | 4,632,795 |
2022-08-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.
In accordance with the Fair Reporting Act XXXX XXXX XX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23234 | null | Consent provided | Web | 2022-08-26 | Closed with non-monetary relief | Yes | null | 5,920,080 |
2021-06-04 | 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 | My name is XXXX XXXX XXXX and I am a victim of identity theft, as i previously notified Experian. I am not a third party. and I already gave permission thru the CFPB. But as per Experian 's request, I XXXX XXXX XXXX give authorization to Experian. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 119XX | null | Consent provided | Web | 2021-06-04 | Closed with non-monetary relief | Yes | null | 4,429,849 |
2017-09-02 | 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 I submitted a request to XXXX Equifax and XXXX. Transunion is the ONLY one who complied. Equifax and XXXX have yet to respond or comply with my section 609 request as of today X/X/2017. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft. | null | EQUIFAX, INC. | TX | 75115 | null | Consent provided | Web | 2017-09-02 | Closed with explanation | Yes | null | 2,657,155 |
2022-03-25 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | My loans were with Navient and were bought out by Aidvantage. Every single time I have contacted Aidvantage in the past month I have been told completely different answers for my repayment plan options and issues. EVERY SINGLE CALL. I was told I was approved and the application was processed only to be notified via ema... | null | Maximus Education, LLC dba Aidvantage | NJ | 088XX | null | Consent provided | Web | 2022-03-25 | Closed with explanation | Yes | null | 5,366,361 |
2021-07-23 | 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 | XX/XX/XXXX i was coerced into purchasing a XXXX XXXX XXXX from XXXX XXXX XXXX. I was strapped for cash and my credit was at a very low rate to rising bills. At that time i was new to the City in which i reside, with 3 kids, and working from XXXX to XXXX XXXX in the morning. I had no other transportation nor any family... | null | Santander Consumer USA Holdings Inc. | GA | 302XX | null | Consent provided | Web | 2021-07-23 | Closed with monetary relief | Yes | null | 4,569,369 |
2023-06-16 | 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 disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that XXXX XXXX XXXX properly investigated this account because there are obvious inaccuracies.
First off, the Account Number does not match. XXXX is reporting XXXX while XXX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 95834 | null | Consent provided | Web | 2023-06-16 | Closed with non-monetary relief | Yes | null | 7,125,142 |
2023-08-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | The payment history of my account has been inaccurate, and incomplete.
In accordance with the fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 States, I have the right to privacy 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not fu... | null | Self Financial Inc. | TX | 75181 | null | Consent provided | Web | 2023-08-20 | Closed with explanation | Yes | null | 7,428,872 |
2023-05-22 | 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 | Hello. I sent letters to all 3 credit bureaus on XX/XX/2023. I asked them per the FCRA 609 clause to provide physical evidence of the accounts in question and also I provided proof of my address and asked the other incorrect addresses to be removed.I have yet to receive anything and the XXXX will be 30 days. | null | EQUIFAX, INC. | TX | 76262 | null | Consent provided | Web | 2023-05-22 | Closed with explanation | Yes | null | 7,010,950 |
2018-08-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have disputed and am still disputing this late pay with XXXX XXXX. Until Today, I was unable to find all the proof I needed. Now I have it ... This late pay XXXX XXXX Keeps Reporting needs to be removed from my credit report. It is a 30 day late payment from almost 2 years ago. That is how long I have been asking the... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76513 | Servicemember | Consent provided | Web | 2018-08-25 | Closed with explanation | Yes | null | 3,001,730 |
2021-07-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Back in XXXX my wallet was stolen and I recently in XXXX noticed things on my credit report that are not mine. My wallet at the time had a debit card, social security card, and Identification Card. I filed a police report lately after noticing these accounts because I was purchasing my first mortgage. I have reached ou... | null | EQUIFAX, INC. | NJ | 080XX | null | Consent provided | Web | 2021-07-25 | Closed with explanation | Yes | null | 4,572,595 |
2023-06-01 | Credit card or prepaid card | Store credit card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I purchased a workout bike for my wife from XXXX back in XXXX XXXX XXXX and immediately reached out to the company due to what appeared to be faulty installation. After my wife used the bike the first time she noticed the bike was faulty, as buttons did not work properly, if at all, and the system itself was not perfo... | null | TD BANK US HOLDING COMPANY | CA | 92504 | null | Consent provided | Web | 2023-06-01 | Closed with monetary relief | Yes | null | 7,057,971 |
2021-07-22 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | I have contacted the companies below via US Mail to first validate the date and then to offer a settlement amount so that I can be rid of these derogatory marks. After disputing with the three major credit bureaus, the debt comes back verified by their standards each time, however the collection agencies have not provi... | null | WAKEFIELD & ASSOCIATES, INC. | MO | XXXXX | null | Consent provided | Web | 2021-07-22 | Closed with explanation | Yes | null | 4,568,751 |
2018-12-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, a... | null | EQUIFAX, INC. | GA | 30240 | null | Consent provided | Web | 2018-12-11 | Closed with explanation | Yes | null | 3,097,232 |
2022-04-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I downloaded XXXX XXXX XXXX and paid for the services and found four accounts that have been opened in my name that wasnt opened by me. My identity has been stolen and Im not sure what to about it. I know the person thats responsible for three of the accounts so what do I do? | null | CAPITAL ONE FINANCIAL CORPORATION | KY | 40160 | null | Consent provided | Web | 2022-04-12 | Closed with non-monetary relief | Yes | null | 5,435,703 |
2022-10-31 | 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 | 15 USC 1681i ( a ) Reinvestigation of disputed ( I ) Reinvestigation information Notice is of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than b business days after the completion o... | null | EQUIFAX, INC. | TN | 374XX | null | Consent provided | Web | 2022-10-31 | Closed with explanation | Yes | null | 6,147,112 |
2022-10-25 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | On XX/XX/XXXX I called Comenity-XXXX XXXX XXXX XXXX and paid my balance due of {$180.00} At that time I repeatedly told the call taker that I was canceling the credit card associated with this account. The call taker was extremely rude. I just received a bill for {$2.00} from this company. I called today and was infor... | null | Bread Financial Holdings, Inc. | VA | 227XX | Older American, Servicemember | Consent provided | Web | 2022-11-21 | Closed with monetary relief | Yes | null | 6,128,136 |
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