buildpaths/complaint_Data_Finance · Datasets at Hugging Face

Date received stringdate 2011-12-01 00:00:00 2025-09-20 00:00:00	Product stringclasses 21 values	Sub-product stringclasses 86 values	Issue stringclasses 178 values	Sub-issue stringclasses 272 values	Consumer complaint narrative stringlengths 4 36k ⌀	Company public response stringclasses 11 values	Company stringlengths 3 88	State stringclasses 63 values	ZIP code stringlengths 5 5 ⌀	Tags stringclasses 3 values	Consumer consent provided? stringclasses 4 values	Submitted via stringclasses 7 values	Date sent to company stringdate 2011-12-01 00:00:00 2025-09-20 00:00:00	Company response to consumer stringclasses 8 values	Timely response? stringclasses 2 values	Consumer disputed? stringclasses 2 values	Complaint ID stringlengths 1 8
2020-07-06	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	FL	346XX	null	Other	Web	2020-07-06	Closed with explanation	Yes	null	3730948
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	TX	77077	null	null	Web	2025-09-18	In progress	Yes	null	16016736
2025-09-04	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	Experian Information Solutions Inc.	IL	60619	null	null	Web	2025-09-04	In progress	Yes	null	15722832
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	NY	11434	null	null	Web	2025-09-18	In progress	Yes	null	16028872
2025-09-05	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	null	Experian Information Solutions Inc.	NC	283XX	null	null	Web	2025-09-05	In progress	Yes	null	15762150
2025-09-05	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	Experian Information Solutions Inc.	FL	33029	null	null	Web	2025-09-05	In progress	Yes	null	15760915
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	FL	33317	null	null	Web	2025-09-18	In progress	Yes	null	16024387
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	MD	21157	null	null	Web	2025-09-18	In progress	Yes	null	16033483
2025-07-21	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	Subject : Request for Reopening of Dispute Closed without a Clear Response. To : Portfolio Recovery Associates , LLC ( " PRA, LLC '' ) Dear Sir or Madam I am writing respectfully to express my concern regarding the closure of a previous dispute I filed. which was closed without a clear, adequate, or well-supported explanation. Under the fair credit Reporting Act ( FCRA ), specifically section 623 and 1681i, I have the information reported on my credit file. Furthermore, data furnishers are legally required to notify me in writing if they report negative information, such as charge-off within a reasonable timeframe. In this case, a charge-off was reported on my credit report without any prior written notification sent to me, which is a violation of my rights under the FCRA. Additionally, I was not provided with any documentation or evidence to justify the reporting or the outcome of the investigation, which leaves this matter unresolved and unfairly damaging to my credit Therefore, I am formally requesting that the dispute be reopened or that the charge-off be removed from my credit file due to the lack of proper notification and verification. I also request a copy of all documentation that was used to support the decision to close the dispute. Thank you in advance for you attention to this matter. I respectfully ask for a timely and fair resolution in accordance with federal law ' sincerely, XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX	null	Portfolio Recovery Associates, LLC	NY	10452	null	Consent provided	Web	2025-07-21	Closed with explanation	Yes	null	14771772
2025-09-05	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	Experian Information Solutions Inc.	MS	39564	null	null	Web	2025-09-05	In progress	Yes	null	15753116
2025-09-19	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize	null	null	EQUIFAX, INC.	TX	77007	null	null	Web	2025-09-19	In progress	Yes	null	16017025
2025-09-04	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	null	Experian Information Solutions Inc.	TX	76017	null	null	Web	2025-09-04	In progress	Yes	null	15721643
2025-09-20	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	null	null	EQUIFAX, INC.	TX	77407	null	null	Web	2025-09-20	In progress	Yes	null	16042473
2025-09-19	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize	null	null	EQUIFAX, INC.	CA	91205	null	null	Web	2025-09-19	In progress	Yes	null	16047017
2025-03-30	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	ND	58704	Servicemember	Consent not provided	Web	2025-03-30	Closed with explanation	Yes	null	12725949
2025-07-02	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	ACCOUNT PAID IN FULL CAN NOT BE DECLARED CHARGE OFF XXXX XXXX XXXX Account number XXXX	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	FL	33018	null	Consent provided	Web	2025-07-02	Closed with explanation	Yes	null	14420123
2025-05-08	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	WA	98023	null	Consent provided	Web	2025-05-08	Closed with non-monetary relief	Yes	null	13413546
2025-07-03	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	IL	60185	null	Consent not provided	Web	2025-07-03	Closed with explanation	Yes	null	14442930
2025-06-20	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 am formally disputing inaccurate, undocumented, and unverified information reported in my credit file. You are reporting derogatory and delinquent data without factual proof, which violates both the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ) and Metro 2 data reporting standards. Your failure to maintain complete and accurate records shows willful non-compliance. I demand that you immediately furnish physical, verifiable evidence that proves the lawful existence and usage of these accounts. Unsupported claims will not be tolerated. If you can not provide full documentation, you must DELETE these accounts from my credit file entirely. Your continued reporting of false, incomplete, or unverifiable data constitutes a reckless disregard of your legal duties. I remind you that any failure to process my disputes properly will be seen as intentional negligence. I confirm that any letters bearing my name were written with my full knowledge and authorization. No Power of Attorney is required to validate my requests under federal law. I expect you to process this dispute immediately. Mail all physical evidence and provide an updated copy of my credit report reflecting the corrected information. Personal Information Being Disputed Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Name : XXXX XXXX XXXX Employer : XXXX XXXX Employer : XXXX Collections Being Disputed XXXX - XXXX XXXX - XXXX Inquiries Being Disputed XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX You are legally obligated to conduct a full investigation and provide written proof. Anything short of full compliance will result in further legal action.	null	EQUIFAX, INC.	CA	94533	null	Consent provided	Web	2025-06-20	Closed with non-monetary relief	Yes	null	14185804
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	IL	60188	null	null	Web	2025-09-17	In progress	Yes	null	16000212
2023-08-04	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Problem with a credit reporting company's investigation into an existing problem	Investigation took more than 30 days	I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.	null	EQUIFAX, INC.	TX	77449	null	Consent provided	Web	2023-08-04	Closed with explanation	Yes	null	7353440
2025-06-15	Credit card	General-purpose credit card or charge card	Problem with a purchase shown on your statement	Credit card company isn't resolving a dispute about a purchase on your statement	Wells Fargo keeps sending me receipts of purchase which is not what i asked of them. I want the evidence that i was denied boarding for a valid reason this evidence does not exist and they keep closing my case despite the fact it is fraud to charge someone for a service then fail to provide said service. I paid for a round trip flight I was denied boarding on the final leg of the flight XXXX to XXXX. I already provided evidence of the time I attempted to board which was prior to the flights boarding close time Wells Fargo representatives seem to think that because I was forced to pay money to board another flight the following day the service was provided however that constitutes a new transaction and a new agreement the existence of that purchase is the evidence that the agreement of the original flight was broken and does not justify being denied boarding in the first place I paid to be on that first flight being denied is a violation of the agreement made that constituted the purchase of a ROUND TRIP FLIGHT. Please provide any evidence that indicates it was justified to deny me boarding and or please provide a written statement explaining what exactly you ( Wells fargo ) requires for me because you keep saying something about documentation but I don't understand and you suggested from the airline but why would airline provide documentation that hurts their own case. I provided reddit testimonials of the same event occurring to others yet you Wells Fargo keeps denying my claim despite the fact i paid for a service and was prevented from using it by the staff of XXXX XXXX which constitutes fraud. XXXX XXXX XXXXXXXXXXXX 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	WELLS FARGO & COMPANY	VA	226XX	null	Consent provided	Web	2025-06-15	Closed with explanation	Yes	null	14077536
2025-09-19	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	null	null	EQUIFAX, INC.	WA	99354	null	null	Web	2025-09-19	In progress	Yes	null	16061112
2025-08-22	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	null	Company believes it acted appropriately as authorized by contract or law	Carter-Young, Inc.	GA	30083	null	null	Web	2025-09-04	Closed with explanation	Yes	null	15461609
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	FL	32259	null	null	Web	2025-09-17	In progress	Yes	null	15987308
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	FL	33009	null	null	Web	2025-09-17	In progress	Yes	null	15987122
2020-08-26	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	FL	33710	null	null	Phone	2020-09-03	Closed with explanation	Yes	null	3814988
2025-03-11	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	MA	02130	null	Consent not provided	Web	2025-03-11	Closed with non-monetary relief	Yes	null	12428624
2024-06-05	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	TX	77077	null	Consent not provided	Web	2024-06-05	Closed with explanation	Yes	null	9188734
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	TX	75249	null	null	Web	2025-09-17	In progress	Yes	null	15991867
2025-09-05	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	null	null	Experian Information Solutions Inc.	CA	92545	null	null	Web	2025-09-05	In progress	Yes	null	15736560
2025-09-12	Mortgage	Conventional home mortgage	Trouble during payment process	Private mortgage insurance (PMI)	null	null	JPMORGAN CHASE & CO.	WY	82601	null	null	Web	2025-09-12	Closed with explanation	Yes	null	15906425
2025-09-05	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	Experian Information Solutions Inc.	TX	78537	null	null	Web	2025-09-05	In progress	Yes	null	15752466
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	FL	33311	null	null	Web	2025-09-18	In progress	Yes	null	16038565
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Problem with a company's investigation into an existing problem	Investigation took more than 30 days	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	IL	60637	null	null	Web	2025-09-18	In progress	Yes	null	16021284
2025-09-19	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	null	EQUIFAX, INC.	MS	39042	null	null	Web	2025-09-19	In progress	Yes	null	16013981
2025-09-04	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	Experian Information Solutions Inc.	MD	20744	null	null	Web	2025-09-04	In progress	Yes	null	15683609
2023-06-05	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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The above companies have not verify proof of my identiy. drivers licence or signatures	null	EQUIFAX, INC.	DE	19720	null	Consent provided	Web	2023-06-05	Closed with non-monetary relief	Yes	null	7072421
2025-06-30	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! "	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	CA	91730	null	Consent provided	Web	2025-06-30	Closed with explanation	Yes	null	14363671
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	NY	11230	null	null	Web	2025-09-18	In progress	Yes	null	16029505
2025-09-19	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	NAVY FEDERAL CREDIT UNION	GA	30313	null	null	Web	2025-09-19	In progress	Yes	null	16063031
2025-09-11	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Personal information incorrect	null	null	CBC Companies, Inc.	SC	29418	null	null	Web	2025-09-11	Closed with explanation	Yes	null	15884088
2025-09-03	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	null	null	United Shore Financial Services, LLC	IL	601XX	null	null	Web	2025-09-03	In progress	Yes	null	15694718
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	null	Experian Information Solutions Inc.	KY	42420	null	null	Web	2025-09-17	In progress	Yes	null	15999617
2024-03-25	Mortgage	Conventional home mortgage	Trouble during payment process	Escrow, taxes, or insurance	On XX/XX/XXXX I requested the removal of Private Mortgage Insurance from my loan, from which lender PennyMac requested an Appraisal. The appraisal showed the LTV was less than required 80 %, and they proceed and removed the PMI payment from my monthly payment After Escrow account revision done in XX/XX/XXXX, I did not agree with the terms and requested de deletion of Escrow Account. Lender requested the payment of the shortage for the time of the request, which I made the same day, for an amount of {$5500.00}. After payment was reflected in my account I called again and requested the Escrow deletion, which they processed. 2 Weeks later I received a Denial letter saying that an loan to value ( LTV ) ratio was not met, which is not true as they do have the latest Property appraisal which shows less than 80 % of LTV ; and they used it to remove the PMI payment. I need all Escrows payments removed as I comply with all requirements for it.	null	PENNYMAC LOAN SERVICES, LLC.	FL	33032	null	Consent provided	Web	2024-03-25	Closed with explanation	Yes	null	8616583
2025-09-05	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	Experian Information Solutions Inc.	FL	33169	null	null	Web	2025-09-05	In progress	Yes	null	15754300
2019-12-26	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	null	null	CAPITAL ONE FINANCIAL CORPORATION	CA	94025	null	Consent not provided	Web	2019-12-26	Closed with explanation	Yes	null	3477549
2020-05-08	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	These are not my accounts.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	NV	89030	null	Consent provided	Web	2020-05-08	Closed with explanation	Yes	null	3642453
2025-07-28	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	null	null	Experian Information Solutions Inc.	TX	78232	null	null	Web	2025-07-28	In progress	Yes	null	14934905
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	CA	92120	null	null	Web	2025-09-18	In progress	Yes	null	16016261
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	null	null	EQUIFAX, INC.	NC	27610	null	null	Web	2025-09-18	In progress	Yes	null	16038499
2025-06-29	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	FL	33614	null	Consent not provided	Web	2025-06-29	Closed with non-monetary relief	Yes	null	14351874
2022-07-08	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRUIST FINANCIAL CORPORATION	TX	77351	null	Consent not provided	Web	2022-07-08	Closed with explanation	Yes	null	5748866
2022-10-28	Credit card or prepaid card	Store credit card	Closing your account	Can't close your account	In XXXX of XXXX I paid my account balance in full that was late. At that time I was told my account was closed and in good standing. In XXXX of XXXX I ran a credit report and see Im 90 days late and owe them XXXX XXXX I called and was told the new balance is XXXX XXXX I was told my account had been closed since XXXX but these are the account fees for each month plus late fees. I call back XX/XX/XXXX and was told now that the fees are from monthly XXXX $ Open account payments plus late fees plus return fees from a auto draft I never set up. The card was closed in XXXX with a full payment and still being charged. I have asked to speak with a supervisor on XX/XX/XXXX and no one answered after over a hour on hold. Before being transferred my only option was to pay XXXX $ on a card that had a XXXX $ balance in XXXX of XXXX and closed at that time.	null	Bread Financial Holdings, Inc.	AR	720XX	null	Consent provided	Web	2022-11-16	Closed with monetary relief	Yes	null	6141084
2025-09-19	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	null	null	EQUIFAX, INC.	FL	33712	null	null	Web	2025-09-19	In progress	Yes	null	16061340
2025-03-01	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize	Would like all recent credit inquires throughout my report, any bankruptcies, late payments, recent accounts opened to be removed, any collections on my account, any medical bills, any repossessions. There has been a data breach with all credit bureaus. My information was clearly stolen. According to the Code 15 USC 1681, 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA aims to protect the privacy and accuracy of consumer credit reports. I, Require consumer reporting agencies to be fair, accurate, and confidential I, Require consumer reporting agencies to adopt reasonable procedures It allows users to disclose the contents of consumer reports to consumers Please remove all unnecessary information due to the data breach.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	MD	206XX	null	Consent provided	Web	2025-03-01	Closed with explanation	Yes	null	12277050
2023-09-25	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	On XX/XX/XXXX, I submitted a request for an investigation regarding a XXXX XXXX acct, instead a received a generic stall tactic response devoid of any information. I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/2023, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. You have failed to reveal the method or any documentation of stated investigation. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	DE	19702	null	Consent provided	Web	2023-09-25	Closed with explanation	Yes	null	7602511
2025-09-04	Credit 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	null	null	JPMORGAN CHASE & CO.	FL	329XX	null	null	Web	2025-09-05	In progress	Yes	null	15711090
2025-08-11	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	TX	77520	null	null	Web	2025-08-11	In progress	Yes	null	15211619
2025-04-23	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	SC	29385	null	Consent not provided	Web	2025-04-23	Closed with explanation	Yes	null	13121470
2025-06-17	Credit reporting or other personal consumer reports	Credit reporting	Problem with a company's investigation into an existing problem	Was not notified of investigation status or results	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	CA	91706	null	Consent not provided	Web	2025-06-17	Closed with explanation	Yes	null	14104117
2020-11-27	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Problem with a credit reporting company's investigation into an existing problem	Investigation took more than 30 days	null	null	EQUIFAX, INC.	AL	36116	null	Consent not provided	Web	2020-11-27	Closed with explanation	Yes	null	3977597
2025-06-03	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	In accordance with the fair credit report act XXXX XXXX XXXX XXXX # XXXX Has violated my rights 15 U.S.C 1681b, I have the right to dispute inaccurate and unverifiable information thats on my credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX	null	EQUIFAX, INC.	IL	604XX	null	Consent provided	Web	2025-06-03	Closed with explanation	Yes	null	13871672
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize	null	null	Experian Information Solutions Inc.	VA	23860	null	null	Web	2025-09-17	In progress	Yes	null	16004042
2025-09-19	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	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	NY	11235	null	null	Web	2025-09-19	In progress	Yes	null	16015636
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	Experian Information Solutions Inc.	GA	30188	null	null	Web	2025-09-17	In progress	Yes	null	15987085
2025-09-04	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize	null	null	Experian Information Solutions Inc.	FL	33404	null	null	Web	2025-09-04	In progress	Yes	null	15718215
2025-09-05	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	Experian Information Solutions Inc.	CA	90220	null	null	Web	2025-09-05	In progress	Yes	null	15759167
2025-09-03	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	Experian Information Solutions Inc.	TX	78541	null	null	Web	2025-09-03	In progress	Yes	null	15708341
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	GA	30013	null	null	Web	2025-09-17	In progress	Yes	null	16002798
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	TX	77060	null	null	Web	2025-09-17	In progress	Yes	null	16001303
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	SC	293XX	null	null	Web	2025-09-17	In progress	Yes	null	16002483
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Problem with a company's investigation into an existing problem	Problem with personal statement of dispute	null	null	EQUIFAX, INC.	NV	89169	null	null	Web	2025-09-17	In progress	Yes	null	15989062
2021-11-11	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Problem with a credit reporting company's investigation into an existing problem	Their investigation did not fix an error on your report	Ok this is for TransUnion. I originally challenged these issues with them on XX/XX/21 asking them abut some inconsistent and inaccurate items that they are reporting on my credit profile. I contacted the courts asking them if they shared my info with a credit reporting agency which you will see attached. All they reported back was that it was verified through some company called XXXX. I went to XXXX and explained to them the inaccuracies and they agreed to remove them because they weren't valid. Also attached. Then on XX/XX/21 I sent all of this information to TransUnion to get them to remove the information from my credit report and they still ignored me. They have been completely violating my consumer rights and nobody will do anything about it. They lied about verifying this account to be accurate. And when i called them out on it they still are reporting it.	Company believes complaint caused principally by actions of third party outside the control or direction of the company	TRANSUNION INTERMEDIATE HOLDINGS, INC.	MO	645XX	null	Consent provided	Web	2021-11-11	Closed with explanation	Yes	null	4902652
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Problem with a company's investigation into an existing problem	Investigation took more than 30 days	null	null	EQUIFAX, INC.	NV	89141	null	null	Web	2025-09-18	In progress	Yes	null	16035800
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	null	Experian Information Solutions Inc.	FL	32907	null	null	Web	2025-09-17	In progress	Yes	null	16005738
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Problem with a company's investigation into an existing problem	Investigation took more than 30 days	null	null	EQUIFAX, INC.	TX	75068	null	null	Web	2025-09-18	In progress	Yes	null	16010892
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	IL	60615	null	null	Web	2025-09-17	In progress	Yes	null	15995501
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	FL	32117	null	null	Web	2025-09-17	In progress	Yes	null	15988521
2025-08-27	Debt collection	Auto debt	False statements or representation	Attempted to collect wrong amount	null	null	Brown and Joseph, Ltd	NH	03103	null	null	Web	2025-09-04	Closed with explanation	Yes	null	15551378
2025-09-11	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	CBC Companies, Inc.	NC	28208	null	null	Web	2025-09-11	Closed with explanation	Yes	null	15874035
2025-09-17	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	NJ	07514	null	null	Web	2025-09-17	In progress	Yes	null	15996671
2025-09-11	Credit reporting or other personal consumer reports	Other personal consumer report	Improper use of your report	Reporting company used your report improperly	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Fidelity National Information Services, Inc. (FNIS)	TX	75150	null	Consent not provided	Web	2025-09-11	Closed with explanation	Yes	null	15874581
2025-08-14	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	NV	89123	Older American, Servicemember	null	Web	2025-09-18	In progress	Yes	null	15297223
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	PR	00771	null	null	Web	2025-09-18	In progress	Yes	null	16032711
2025-09-18	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	null	null	TRANSUNION INTERMEDIATE HOLDINGS, INC.	NC	27858	null	null	Web	2025-09-18	In progress	Yes	null	16033249
2018-10-23	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	In the last 60 days I've been garnished by this credit concepts of s total sum amount of {$1500.00}, every single month since I've had this loan they've been adding {$330.00} every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also domestic victims of XXXX minor children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over {$4.00} grand for a $ XXXX loan and why does my balance still reflect {$9900.00}? Where I started? Credit concepts are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.	Company believes it acted appropriately as authorized by contract or law	CREDIT CONCEPTS, INC.	WA	98387	Servicemember	Consent provided	Web	2018-10-23	Closed with explanation	No	null	3054022
2021-03-18	Money transfer, virtual currency, or money service	Mobile or digital wallet	Fraud or scam	null	My stimulus payment was deposited into an account I did not recognize. WHen I reached out to the Irs they gave me a bank institution name and acct and routing number. Unfamiliar with XXXX XXXX I called the location to try and track down this account opened using an old address and my personal info. WHen I was able to reach someone they said it was a cash app account and that i had to contact co but that they did see the account as open. when I got ahold of someone at cashapp regaurding this myseterious account using my personal info and account info I was given I was told i could not have access because i did not have telephone number or email associated with that account, When I asked for them to close the account i was told they were not able to. even though i offered to give id and any other form of verification needed	null	Block, Inc.	NY	127XX	null	Consent provided	Web	2021-03-18	Closed with explanation	Yes	null	4225137
2025-02-13	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	PA	16602	null	Consent not provided	Web	2025-02-20	Closed with explanation	Yes	null	12057176
2022-05-25	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	null	null	Experian Information Solutions Inc.	NV	89011	null	Consent not provided	Web	2022-05-25	Closed with non-monetary relief	Yes	null	5600428
2018-04-08	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	MO	64117	null	Consent not provided	Web	2018-04-08	Closed with non-monetary relief	Yes	null	2868147
2024-01-05	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	IL	60502	null	Consent provided	Web	2024-01-05	Closed with non-monetary relief	Yes	null	8113747
2025-09-19	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	CA	90605	null	null	Web	2025-09-19	In progress	Yes	null	16059682
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	null	EQUIFAX, INC.	IN	46324	null	null	Web	2025-09-18	In progress	Yes	null	16027134
2025-09-05	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	null	null	Experian Information Solutions Inc.	CA	90802	null	null	Web	2025-09-05	In progress	Yes	null	15728884
2024-07-03	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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	FL	33615	null	Consent provided	Web	2024-07-03	Closed with non-monetary relief	Yes	null	9413779
2025-04-17	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	TX	75751	null	Consent not provided	Web	2025-04-17	Closed with non-monetary relief	Yes	null	13033869
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	null	null	EQUIFAX, INC.	GA	30281	null	Other	Web	2025-09-18	In progress	Yes	null	16017798
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	NE	68025	null	null	Web	2025-09-18	In progress	Yes	null	16037805
2025-09-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	null	null	EQUIFAX, INC.	MD	20874	null	null	Web	2025-09-18	In progress	Yes	null	16026507

2020-07-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

346XX

null

Other

Web

2020-07-06

Closed with explanation

Yes

null

3730948

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

TX

77077

null

Web

2025-09-18

In progress

Yes

null

16016736

2025-09-04

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

Experian Information Solutions Inc.

IL

60619

null

Web

2025-09-04

In progress

Yes

null

15722832

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11434

null

Web

2025-09-18

In progress

Yes

null

16028872

2025-09-05

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

Experian Information Solutions Inc.

NC

283XX

null

Web

2025-09-05

In progress

Yes

null

15762150

2025-09-05

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

Experian Information Solutions Inc.

FL

33029

null

Web

2025-09-05

In progress

Yes

null

15760915

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33317

null

Web

2025-09-18

In progress

Yes

null

16024387

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

21157

null

Web

2025-09-18

In progress

Yes

null

16033483

2025-07-21

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Subject : Request for Reopening of Dispute Closed without a Clear Response. To : Portfolio Recovery Associates , LLC ( " PRA, LLC '' ) Dear Sir or Madam I am writing respectfully to express my concern regarding the closure of a previous dispute I filed. which was closed without a clear, adequate, or well-supported explanation. Under the fair credit Reporting Act ( FCRA ), specifically section 623 and 1681i, I have the information reported on my credit file. Furthermore, data furnishers are legally required to notify me in writing if they report negative information, such as charge-off within a reasonable timeframe. In this case, a charge-off was reported on my credit report without any prior written notification sent to me, which is a violation of my rights under the FCRA. Additionally, I was not provided with any documentation or evidence to justify the reporting or the outcome of the investigation, which leaves this matter unresolved and unfairly damaging to my credit Therefore, I am formally requesting that the dispute be reopened or that the charge-off be removed from my credit file due to the lack of proper notification and verification. I also request a copy of all documentation that was used to support the decision to close the dispute. Thank you in advance for you attention to this matter. I respectfully ask for a timely and fair resolution in accordance with federal law ' sincerely, XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX

null

Portfolio Recovery Associates, LLC

NY

10452

null

Consent provided

Web

2025-07-21

Closed with explanation

Yes

null

14771772

2025-09-05

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

Experian Information Solutions Inc.

MS

39564

null

Web

2025-09-05

In progress

Yes

null

15753116

2025-09-19

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

null

EQUIFAX, INC.

TX

77007

null

Web

2025-09-19

In progress

Yes

null

16017025

2025-09-04

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

Experian Information Solutions Inc.

TX

76017

null

Web

2025-09-04

In progress

Yes

null

15721643

2025-09-20

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

null

EQUIFAX, INC.

TX

77407

null

Web

2025-09-20

In progress

Yes

null

16042473

2025-09-19

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

null

EQUIFAX, INC.

CA

91205

null

Web

2025-09-19

In progress

Yes

null

16047017

2025-03-30

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

ND

58704

Servicemember

Consent not provided

Web

2025-03-30

Closed with explanation

Yes

null

12725949

2025-07-02

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

ACCOUNT PAID IN FULL CAN NOT BE DECLARED CHARGE OFF XXXX XXXX XXXX Account number XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33018

null

Consent provided

Web

2025-07-02

Closed with explanation

Yes

null

14420123

2025-05-08

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

WA

98023

null

Consent provided

Web

2025-05-08

Closed with non-monetary relief

Yes

null

13413546

2025-07-03

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60185

null

Consent not provided

Web

2025-07-03

Closed with explanation

Yes

null

14442930

2025-06-20

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 am formally disputing inaccurate, undocumented, and unverified information reported in my credit file. You are reporting derogatory and delinquent data without factual proof, which violates both the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ) and Metro 2 data reporting standards. Your failure to maintain complete and accurate records shows willful non-compliance. I demand that you immediately furnish physical, verifiable evidence that proves the lawful existence and usage of these accounts. Unsupported claims will not be tolerated. If you can not provide full documentation, you must DELETE these accounts from my credit file entirely. Your continued reporting of false, incomplete, or unverifiable data constitutes a reckless disregard of your legal duties. I remind you that any failure to process my disputes properly will be seen as intentional negligence. I confirm that any letters bearing my name were written with my full knowledge and authorization. No Power of Attorney is required to validate my requests under federal law. I expect you to process this dispute immediately. Mail all physical evidence and provide an updated copy of my credit report reflecting the corrected information. Personal Information Being Disputed Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Name : XXXX XXXX XXXX Employer : XXXX XXXX Employer : XXXX Collections Being Disputed XXXX - XXXX XXXX - XXXX Inquiries Being Disputed XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX You are legally obligated to conduct a full investigation and provide written proof. Anything short of full compliance will result in further legal action.

null

EQUIFAX, INC.

CA

94533

null

Consent provided

Web

2025-06-20

Closed with non-monetary relief

Yes

null

14185804

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60188

null

Web

2025-09-17

In progress

Yes

null

16000212

2023-08-04

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

null

EQUIFAX, INC.

TX

77449

null

Consent provided

Web

2023-08-04

Closed with explanation

Yes

null

7353440

2025-06-15

Credit card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

Wells Fargo keeps sending me receipts of purchase which is not what i asked of them. I want the evidence that i was denied boarding for a valid reason this evidence does not exist and they keep closing my case despite the fact it is fraud to charge someone for a service then fail to provide said service. I paid for a round trip flight I was denied boarding on the final leg of the flight XXXX to XXXX. I already provided evidence of the time I attempted to board which was prior to the flights boarding close time Wells Fargo representatives seem to think that because I was forced to pay money to board another flight the following day the service was provided however that constitutes a new transaction and a new agreement the existence of that purchase is the evidence that the agreement of the original flight was broken and does not justify being denied boarding in the first place I paid to be on that first flight being denied is a violation of the agreement made that constituted the purchase of a ROUND TRIP FLIGHT. Please provide any evidence that indicates it was justified to deny me boarding and or please provide a written statement explaining what exactly you ( Wells fargo ) requires for me because you keep saying something about documentation but I don't understand and you suggested from the airline but why would airline provide documentation that hurts their own case. I provided reddit testimonials of the same event occurring to others yet you Wells Fargo keeps denying my claim despite the fact i paid for a service and was prevented from using it by the staff of XXXX XXXX which constitutes fraud. XXXX XXXX XXXXXXXXXXXX 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

WELLS FARGO & COMPANY

VA

226XX

null

Consent provided

Web

2025-06-15

Closed with explanation

Yes

null

14077536

2025-09-19

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

null

EQUIFAX, INC.

WA

99354

null

Web

2025-09-19

In progress

Yes

null

16061112

2025-08-22

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

null

Company believes it acted appropriately as authorized by contract or law

Carter-Young, Inc.

GA

30083

null

Web

2025-09-04

Closed with explanation

Yes

null

15461609

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32259

null

Web

2025-09-17

In progress

Yes

null

15987308

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33009

null

Web

2025-09-17

In progress

Yes

null

15987122

2020-08-26

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

null

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

33710

null

Phone

2020-09-03

Closed with explanation

Yes

null

3814988

2025-03-11

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

null

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MA

02130

null

Consent not provided

Web

2025-03-11

Closed with non-monetary relief

Yes

null

12428624

2024-06-05

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

77077

null

Consent not provided

Web

2024-06-05

Closed with explanation

Yes

null

9188734

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75249

null

Web

2025-09-17

In progress

Yes

null

15991867

2025-09-05

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

null

Experian Information Solutions Inc.

CA

92545

null

Web

2025-09-05

In progress

Yes

null

15736560

2025-09-12

Mortgage

Conventional home mortgage

Trouble during payment process

Private mortgage insurance (PMI)

null

JPMORGAN CHASE & CO.

WY

82601

null

Web

2025-09-12

Closed with explanation

Yes

null

15906425

2025-09-05

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

Experian Information Solutions Inc.

TX

78537

null

Web

2025-09-05

In progress

Yes

null

15752466

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33311

null

Web

2025-09-18

In progress

Yes

null

16038565

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Investigation took more than 30 days

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60637

null

Web

2025-09-18

In progress

Yes

null

16021284

2025-09-19

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

EQUIFAX, INC.

MS

39042

null

Web

2025-09-19

In progress

Yes

null

16013981

2025-09-04

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

Experian Information Solutions Inc.

MD

20744

null

Web

2025-09-04

In progress

Yes

null

15683609

2023-06-05

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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The above companies have not verify proof of my identiy. drivers licence or signatures

null

EQUIFAX, INC.

DE

19720

null

Consent provided

Web

2023-06-05

Closed with non-monetary relief

Yes

null

7072421

2025-06-30

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! "

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

CA

91730

null

Consent provided

Web

2025-06-30

Closed with explanation

Yes

null

14363671

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11230

null

Web

2025-09-18

In progress

Yes

null

16029505

2025-09-19

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

NAVY FEDERAL CREDIT UNION

GA

30313

null

Web

2025-09-19

In progress

Yes

null

16063031

2025-09-11

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Personal information incorrect

null

CBC Companies, Inc.

SC

29418

null

Web

2025-09-11

Closed with explanation

Yes

null

15884088

2025-09-03

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

null

United Shore Financial Services, LLC

IL

601XX

null

Web

2025-09-03

In progress

Yes

null

15694718

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

Experian Information Solutions Inc.

KY

42420

null

Web

2025-09-17

In progress

Yes

null

15999617

2024-03-25

Mortgage

Conventional home mortgage

Trouble during payment process

Escrow, taxes, or insurance

On XX/XX/XXXX I requested the removal of Private Mortgage Insurance from my loan, from which lender PennyMac requested an Appraisal. The appraisal showed the LTV was less than required 80 %, and they proceed and removed the PMI payment from my monthly payment After Escrow account revision done in XX/XX/XXXX, I did not agree with the terms and requested de deletion of Escrow Account. Lender requested the payment of the shortage for the time of the request, which I made the same day, for an amount of {$5500.00}. After payment was reflected in my account I called again and requested the Escrow deletion, which they processed. 2 Weeks later I received a Denial letter saying that an loan to value ( LTV ) ratio was not met, which is not true as they do have the latest Property appraisal which shows less than 80 % of LTV ; and they used it to remove the PMI payment. I need all Escrows payments removed as I comply with all requirements for it.

null

PENNYMAC LOAN SERVICES, LLC.

FL

33032

null

Consent provided

Web

2024-03-25

Closed with explanation

Yes

null

8616583

2025-09-05

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

Experian Information Solutions Inc.

FL

33169

null

Web

2025-09-05

In progress

Yes

null

15754300

2019-12-26

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

null

CAPITAL ONE FINANCIAL CORPORATION

CA

94025

null

Consent not provided

Web

2019-12-26

Closed with explanation

Yes

null

3477549

2020-05-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

These are not my accounts.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NV

89030

null

Consent provided

Web

2020-05-08

Closed with explanation

Yes

null

3642453

2025-07-28

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

null

Experian Information Solutions Inc.

TX

78232

null

Web

2025-07-28

In progress

Yes

null

14934905

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

92120

null

Web

2025-09-18

In progress

Yes

null

16016261

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

null

EQUIFAX, INC.

NC

27610

null

Web

2025-09-18

In progress

Yes

null

16038499

2025-06-29

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

null

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33614

null

Consent not provided

Web

2025-06-29

Closed with non-monetary relief

Yes

null

14351874

2022-07-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRUIST FINANCIAL CORPORATION

TX

77351

null

Consent not provided

Web

2022-07-08

Closed with explanation

Yes

null

5748866

2022-10-28

Credit card or prepaid card

Store credit card

Closing your account

Can't close your account

In XXXX of XXXX I paid my account balance in full that was late. At that time I was told my account was closed and in good standing. In XXXX of XXXX I ran a credit report and see Im 90 days late and owe them XXXX XXXX I called and was told the new balance is XXXX XXXX I was told my account had been closed since XXXX but these are the account fees for each month plus late fees. I call back XX/XX/XXXX and was told now that the fees are from monthly XXXX $ Open account payments plus late fees plus return fees from a auto draft I never set up. The card was closed in XXXX with a full payment and still being charged. I have asked to speak with a supervisor on XX/XX/XXXX and no one answered after over a hour on hold. Before being transferred my only option was to pay XXXX $ on a card that had a XXXX $ balance in XXXX of XXXX and closed at that time.

null

Bread Financial Holdings, Inc.

AR

720XX

null

Consent provided

Web

2022-11-16

Closed with monetary relief

Yes

null

6141084

2025-09-19

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

null

EQUIFAX, INC.

FL

33712

null

Web

2025-09-19

In progress

Yes

null

16061340

2025-03-01

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Would like all recent credit inquires throughout my report, any bankruptcies, late payments, recent accounts opened to be removed, any collections on my account, any medical bills, any repossessions. There has been a data breach with all credit bureaus. My information was clearly stolen. According to the Code 15 USC 1681, 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA aims to protect the privacy and accuracy of consumer credit reports. I, Require consumer reporting agencies to be fair, accurate, and confidential I, Require consumer reporting agencies to adopt reasonable procedures It allows users to disclose the contents of consumer reports to consumers Please remove all unnecessary information due to the data breach.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

206XX

null

Consent provided

Web

2025-03-01

Closed with explanation

Yes

null

12277050

2023-09-25

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

On XX/XX/XXXX, I submitted a request for an investigation regarding a XXXX XXXX acct, instead a received a generic stall tactic response devoid of any information. I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/2023, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. You have failed to reveal the method or any documentation of stated investigation. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

DE

19702

null

Consent provided

Web

2023-09-25

Closed with explanation

Yes

null

7602511

2025-09-04

Credit 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

null

JPMORGAN CHASE & CO.

FL

329XX

null

Web

2025-09-05

In progress

Yes

null

15711090

2025-08-11

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

TX

77520

null

Web

2025-08-11

In progress

Yes

null

15211619

2025-04-23

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

SC

29385

null

Consent not provided

Web

2025-04-23

Closed with explanation

Yes

null

13121470

2025-06-17

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Was not notified of investigation status or results

null

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

CA

91706

null

Consent not provided

Web

2025-06-17

Closed with explanation

Yes

null

14104117

2020-11-27

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

null

EQUIFAX, INC.

AL

36116

null

Consent not provided

Web

2020-11-27

Closed with explanation

Yes

null

3977597

2025-06-03

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the fair credit report act XXXX XXXX XXXX XXXX # XXXX Has violated my rights 15 U.S.C 1681b, I have the right to dispute inaccurate and unverifiable information thats on my credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

null

EQUIFAX, INC.

IL

604XX

null

Consent provided

Web

2025-06-03

Closed with explanation

Yes

null

13871672

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

null

Experian Information Solutions Inc.

VA

23860

null

Web

2025-09-17

In progress

Yes

null

16004042

2025-09-19

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

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11235

null

Web

2025-09-19

In progress

Yes

null

16015636

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

Experian Information Solutions Inc.

GA

30188

null

Web

2025-09-17

In progress

Yes

null

15987085

2025-09-04

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

null

Experian Information Solutions Inc.

FL

33404

null

Web

2025-09-04

In progress

Yes

null

15718215

2025-09-05

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

Experian Information Solutions Inc.

CA

90220

null

Web

2025-09-05

In progress

Yes

null

15759167

2025-09-03

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

Experian Information Solutions Inc.

TX

78541

null

Web

2025-09-03

In progress

Yes

null

15708341

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30013

null

Web

2025-09-17

In progress

Yes

null

16002798

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77060

null

Web

2025-09-17

In progress

Yes

null

16001303

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

SC

293XX

null

Web

2025-09-17

In progress

Yes

null

16002483

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Problem with personal statement of dispute

null

EQUIFAX, INC.

NV

89169

null

Web

2025-09-17

In progress

Yes

null

15989062

2021-11-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

Ok this is for TransUnion. I originally challenged these issues with them on XX/XX/21 asking them abut some inconsistent and inaccurate items that they are reporting on my credit profile. I contacted the courts asking them if they shared my info with a credit reporting agency which you will see attached. All they reported back was that it was verified through some company called XXXX. I went to XXXX and explained to them the inaccuracies and they agreed to remove them because they weren't valid. Also attached. Then on XX/XX/21 I sent all of this information to TransUnion to get them to remove the information from my credit report and they still ignored me. They have been completely violating my consumer rights and nobody will do anything about it. They lied about verifying this account to be accurate. And when i called them out on it they still are reporting it.

Company believes complaint caused principally by actions of third party outside the control or direction of the company

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

645XX

null

Consent provided

Web

2021-11-11

Closed with explanation

Yes

null

4902652

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Investigation took more than 30 days

null

EQUIFAX, INC.

NV

89141

null

Web

2025-09-18

In progress

Yes

null

16035800

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

Experian Information Solutions Inc.

FL

32907

null

Web

2025-09-17

In progress

Yes

null

16005738

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Investigation took more than 30 days

null

EQUIFAX, INC.

TX

75068

null

Web

2025-09-18

In progress

Yes

null

16010892

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60615

null

Web

2025-09-17

In progress

Yes

null

15995501

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

FL

32117

null

Web

2025-09-17

In progress

Yes

null

15988521

2025-08-27

Debt collection

Auto debt

False statements or representation

Attempted to collect wrong amount

null

Brown and Joseph, Ltd

NH

03103

null

Web

2025-09-04

Closed with explanation

Yes

null

15551378

2025-09-11

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

CBC Companies, Inc.

NC

28208

null

Web

2025-09-11

Closed with explanation

Yes

null

15874035

2025-09-17

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

07514

null

Web

2025-09-17

In progress

Yes

null

15996671

2025-09-11

Credit reporting or other personal consumer reports

Other personal consumer report

Improper use of your report

Reporting company used your report improperly

null

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Fidelity National Information Services, Inc. (FNIS)

TX

75150

null

Consent not provided

Web

2025-09-11

Closed with explanation

Yes

null

15874581

2025-08-14

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NV

89123

Older American, Servicemember

null

Web

2025-09-18

In progress

Yes

null

15297223

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PR

00771

null

Web

2025-09-18

In progress

Yes

null

16032711

2025-09-18

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

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

27858

null

Web

2025-09-18

In progress

Yes

null

16033249

2018-10-23

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

In the last 60 days I've been garnished by this credit concepts of s total sum amount of {$1500.00}, every single month since I've had this loan they've been adding {$330.00} every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also domestic victims of XXXX minor children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over {$4.00} grand for a $ XXXX loan and why does my balance still reflect {$9900.00}? Where I started? Credit concepts are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.

Company believes it acted appropriately as authorized by contract or law

CREDIT CONCEPTS, INC.

WA

98387

Servicemember

Consent provided

Web

2018-10-23

Closed with explanation

No

null

3054022

2021-03-18

Money transfer, virtual currency, or money service

Mobile or digital wallet

Fraud or scam

null

My stimulus payment was deposited into an account I did not recognize. WHen I reached out to the Irs they gave me a bank institution name and acct and routing number. Unfamiliar with XXXX XXXX I called the location to try and track down this account opened using an old address and my personal info. WHen I was able to reach someone they said it was a cash app account and that i had to contact co but that they did see the account as open. when I got ahold of someone at cashapp regaurding this myseterious account using my personal info and account info I was given I was told i could not have access because i did not have telephone number or email associated with that account, When I asked for them to close the account i was told they were not able to. even though i offered to give id and any other form of verification needed

null

Block, Inc.

NY

127XX

null

Consent provided

Web

2021-03-18

Closed with explanation

Yes

null

4225137

2025-02-13

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

PA

16602

null

Consent not provided

Web

2025-02-20

Closed with explanation

Yes

null

12057176

2022-05-25

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

null

Experian Information Solutions Inc.

NV

89011

null

Consent not provided

Web

2022-05-25

Closed with non-monetary relief

Yes

null

5600428

2018-04-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

64117

null

Consent not provided

Web

2018-04-08

Closed with non-monetary relief

Yes

null

2868147

2024-01-05

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

IL

60502

null

Consent provided

Web

2024-01-05

Closed with non-monetary relief

Yes

null

8113747

2025-09-19

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

CA

90605

null

Web

2025-09-19

In progress

Yes

null

16059682

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

EQUIFAX, INC.

IN

46324

null

Web

2025-09-18

In progress

Yes

null

16027134

2025-09-05

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

null

Experian Information Solutions Inc.

CA

90802

null

Web

2025-09-05

In progress

Yes

null

15728884

2024-07-03

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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33615

null

Consent provided

Web

2024-07-03

Closed with non-monetary relief

Yes

null

9413779

2025-04-17

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

TX

75751

null

Consent not provided

Web

2025-04-17

Closed with non-monetary relief

Yes

null

13033869

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

null

EQUIFAX, INC.

GA

30281

null

Other

Web

2025-09-18

In progress

Yes

null

16017798

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

NE

68025

null

Web

2025-09-18

In progress

Yes

null

16037805

2025-09-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

null

EQUIFAX, INC.

MD

20874

null

Web

2025-09-18

In progress

Yes

null

16026507