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
2023-07-25	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	GA	314XX	null	Other	Web	2023-07-25	Closed with non-monetary relief	Yes	null	7296032
2025-01-08	Debt collection	I do not know	Attempts to collect debt not owed	Debt is not yours	null	null	Spring Oaks Capital, LLC	TX	77429	null	Consent not provided	Web	2025-01-08	Closed with non-monetary relief	Yes	null	11409521
2024-10-14	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	null	EQUIFAX, INC.	DC	20020	null	Consent not provided	Web	2024-10-14	Closed with explanation	Yes	null	10442365
2022-05-03	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	XXXX XXXX XXXX acc XXXX this account do not belong to me XXXX XXXX XXXX Acc XXXX this acc do not belong to me. XXXX XXXX XXXX acc XXXX this acc do not belong to me XXXX XXXX acc XXXX this acc do not belong tome	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	NY	10028	null	Consent provided	Web	2022-05-03	Closed with non-monetary relief	Yes	null	5533456
2025-04-02	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.	MO	63132	null	Consent not provided	Web	2025-04-02	Closed with non-monetary relief	Yes	null	12789911
2021-06-04	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	TX	76712	null	Consent not provided	Web	2021-06-04	Closed with explanation	Yes	null	4431018
2023-10-11	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	null	EQUIFAX, INC.	OK	73013	null	Consent not provided	Web	2023-10-11	Closed with non-monetary relief	Yes	null	7679708
2021-09-17	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	WELLS FARGO & COMPANY	FL	33019	null	Consent not provided	Web	2021-09-17	Closed with explanation	Yes	null	4729246
2022-10-31	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	EQUIFAX, INC.	TX	78577	null	Consent not provided	Web	2022-10-31	Closed with explanation	Yes	null	6148953
2022-09-22	Credit reporting, credit repair services, 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.	TX	78577	null	Consent not provided	Web	2022-09-22	Closed with non-monetary relief	Yes	null	6010434
2024-09-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	XXXX XXXX XXXX XXXX I AM FILING THIS CFPB COMPLAINT TO REQUEST PURSUIT FCRA 605B ( 15 U.S. Code 1681c2 ) THAT YOU THE EXPERIAN REPORTING AGENCY BLOCK INFORMATION ON MY CREDIT REPORT THAT IS AN RESULT IN IDENTITY THEFT AND FRAUD WITHIN 4 DAYS OF YOU RECEIVING THIS COMPLAINT. I HAVE SEVERAL ACCOUNTS ON MY REPORT SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS HAVE ADDED FRAUD ACCOUNTS AND ALSO INQUIRIES SHOWING ON MY CONSUMER FICO CREDIT REPORT.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	MI	48223	null	Consent provided	Web	2024-09-18	Closed with explanation	Yes	null	10157133
2025-06-29	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.	MA	01810	null	Consent not provided	Web	2025-06-29	Closed with explanation	Yes	null	14361308
2024-09-20	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	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	AZ	85361	null	Consent not provided	Web	2024-09-20	Closed with non-monetary relief	Yes	null	10189524
2025-06-23	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	My account with EQUIFAX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports	null	EQUIFAX, INC.	LA	70068	null	Consent provided	Web	2025-06-23	Closed with non-monetary relief	Yes	null	14243472
2024-08-09	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.	MD	20904	null	Consent not provided	Web	2024-08-09	Closed with explanation	Yes	null	9758725
2024-03-08	Checking or savings account	Checking account	Managing an account	Problem using a debit or ATM card	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	BANK OF AMERICA, NATIONAL ASSOCIATION	CA	91605	null	null	Referral	2024-03-08	Closed with explanation	Yes	null	8507889
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	Difficulty submitting a dispute or getting information about a dispute over the phone	Equifax and XXXX are reporting 10 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.	null	EQUIFAX, INC.	CA	90255	null	Consent provided	Web	2021-06-04	Closed with explanation	Yes	null	4433865
2024-05-22	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	I asked the company Acima to verify an account that turns out to be identity theft and a fraudulent account. I sent correspondence to the company certified mail with my ftc report. Pursuant to18 U.S. Code 1028 I demand this information be deleted from my credit report as I am a victim of identity theft. This company tried to advise me that I needed a police report to flag my account as fraudulent when notification from me the consumer is enough there carelessness in handling my consumer file leaves me vulnerable to identity theft	null	ACIMA CREDIT, LLC	CA	92308	null	Consent provided	Web	2024-05-22	Closed with explanation	Yes	null	9071742
2024-04-03	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	null	EQUIFAX, INC.	OH	45237	null	Consent not provided	Web	2024-04-03	Closed with explanation	Yes	null	8683929
2025-02-12	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	Experian Information Solutions Inc.	TX	75783	null	Consent not provided	Web	2025-02-12	Closed with explanation	Yes	null	12053557
2024-10-30	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Public record information inaccurate	null	null	EQUIFAX, INC.	AL	36066	null	Consent not provided	Web	2024-10-30	Closed with explanation	Yes	null	10627346
2025-08-21	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.	TX	75074	null	null	Web	2025-08-21	In progress	Yes	null	15424264
2024-04-22	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	I am writing to address the persistent presence of fraudulent items on my credit report despite my repeated attempts to have them removed. This marks the multiple time I am reaching out regarding this issue, and I am deeply concerned about the impact it is having on my financial standing and credibility. Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they continue to tarnish my credit history. This ongoing situation not only undermines my financial reputation but also poses a significant threat to my financial well-being. Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have adversely affected my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.	OH	440XX	null	Consent provided	Web	2024-04-22	Closed with explanation	Yes	null	8821246
2024-01-09	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	null	null	EQUIFAX, INC.	CA	95020	null	Other	Web	2024-01-09	Closed with non-monetary relief	Yes	null	8132792
2025-03-19	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	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	FL	33065	null	Consent not provided	Web	2025-03-19	Closed with explanation	Yes	null	12560058
2017-02-28	Credit reporting	null	Incorrect information on credit report	Information is not mine	I have disputed these account many times. These accounts are not mine. I request they be removed.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	GA	31419	null	Consent provided	Web	2017-02-28	Closed with explanation	Yes	No	2365208
2025-05-03	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	TRANSUNION INTERMEDIATE HOLDINGS, INC.	PA	19601	null	Consent not provided	Web	2025-05-03	Closed with non-monetary relief	Yes	null	13317771
2025-06-13	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	Experian Information Solutions Inc.	FL	33167	null	Consent not provided	Web	2025-06-13	Closed with explanation	Yes	null	14067427
2021-06-30	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	PA	19138	null	Consent not provided	Web	2021-06-30	Closed with explanation	Yes	null	4506983
2018-03-23	Checking or savings account	Checking account	Problem caused by your funds being low	Overdrafts and overdraft fees	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	BANK OF THE WEST	CA	93291	null	null	Referral	2018-03-26	Closed with explanation	Yes	null	2854777
2021-02-25	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	FL	33056	null	Consent not provided	Web	2021-02-25	Closed with explanation	Yes	null	4165605
2021-07-27	Debt collection	Other debt	Attempts to collect debt not owed	Debt is not yours	I recently sent a cease and desist on XX/XX/2021 to CREDIT MANAGEMENT LP regarding an alleged obligation that I do not owe that they falsely reported on my consumer report. This is the second time that CREDIT MANAGEMENT LP is falsely reporting a debt that I do not owe and does not belong to me on my consumer credit report. As the result of CREDIT MANAGEMENT LP falsely reporting on my consumer credit report, CREDIT MANAGEMENT LP failed to follow 15 USC 1592c ( a ) and committed an individual action against me because CREDIT MANAGEMENT LP did not get my prior written consent to communicated with me the consumer with connection of a debt. CREDIT MANAGEMENT LP also failed to follow 15 USC 1592g as CREDIT MANAGEMENT LP failed to provide me a written notice containing the five requirements under the subchapter of 15 USC 1692g Within five days after the initial communication.	Company disputes the facts presented in the complaint	The CMI Group, Inc.	CO	80026	null	Consent provided	Web	2021-07-28	Closed with explanation	Yes	null	4579538
2022-01-27	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	GOLDMAN SACHS BANK USA	IL	60616	null	Consent not provided	Web	2022-01-27	Closed with explanation	Yes	null	5156020
2025-01-31	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	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	IL	60466	null	Consent not provided	Web	2025-01-31	Closed with explanation	Yes	null	11869108
2025-02-11	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.	FL	33837	null	Consent not provided	Web	2025-02-11	Closed with non-monetary relief	Yes	null	12013409
2025-08-05	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	null	Cascade CISS Holdings, LLC	TX	77070	null	null	Web	2025-08-08	Closed with explanation	Yes	null	15099978
2024-06-25	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	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	GA	31069	null	null	Postal mail	2024-06-25	Closed with non-monetary relief	Yes	null	9339434
2023-06-07	Mortgage	Conventional home mortgage	Trouble during payment process	null	My mortgage was with XXXX XXXX XXXX XXXX. It was transferred without my approval to Fifth Third Bank. I received a letter in the mail on XX/XX/XXXX telling me the mortgage was transferred and to go online and create an account. I went online to do that and it said that I was unable to register and to call in. I called 5/3 on XX/XX/XXXX and they said the mortgage was not set up yet in the system and to call back on XX/XX/XXXX. To be safe I waited until XX/XX/XXXX to call back. They informed me that my cell and e-mail were not correct on the record. They updated my cell and said to wait 24 hours to call back to do a text verification. To be safe I waited 48 hours and called back XXXX XX/XX/XXXX where they told me it would take 14 days to activate text verification. I asked to speak to a supervisor who said she could not help me. After I asked for my mortgage to be transferred back she hung up on me. So three calls in and I can't register my account and pay my mortgage. I know I have a 60 day grace period but the process and customer service is terrible.	null	FIFTH THIRD FINANCIAL CORPORATION	MI	48236	null	Consent provided	Web	2023-06-07	Closed with explanation	Yes	null	7084953
2025-04-03	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	MO	63103	null	Consent not provided	Web	2025-04-03	Closed with non-monetary relief	Yes	null	12808515
2025-05-28	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	GA	30044	null	Consent not provided	Web	2025-05-28	Closed with non-monetary relief	Yes	null	13756686
2024-12-04	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	null	null	EQUIFAX, INC.	NJ	07424	null	Consent not provided	Web	2024-12-04	Closed with non-monetary relief	Yes	null	11018999
2024-03-11	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.	TN	37214	null	Consent not provided	Web	2024-03-11	Closed with explanation	Yes	null	8517891
2025-04-18	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.	CA	90029	null	Consent not provided	Web	2025-04-18	Closed with non-monetary relief	Yes	null	13060001
2025-02-28	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	TRANSUNION INTERMEDIATE HOLDINGS, INC.	GA	30224	null	Consent not provided	Web	2025-02-28	Closed with non-monetary relief	Yes	null	12247374
2023-10-01	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	On XX/XX/2023, I paid off a credit card with XXXX XXXX. It was never updated on my credit report. On XX/XX/2023, I paid off a revolving credit account, it was not updated on any of my credit reports. Interestingly enough, credit increases are reported immediately but credit decreases take upwards of 30 days to update. Also, all three of the credit reporting agencies ( XXXX XXXX, XXXX and Equifax ) report very different credit scores for me, as does XXXX XXXX. I had to contact all three credit reporting agencies as well as XXXX XXXX to update my scores. They are not updated. The house I am renting is going on the market. I need to continue to repair my credit so I can rent a new apartment or find a lender who will approve me for a mortgage. I'm tired of waiting three months for credit reporting agencies to reflect positive changes on my credit report and the hours I need to spend on the phone just to have an accurate reflection of my credit rating. I'm doing my best after major XXXX and a global pandemic. Credit reporting agencies need to do better and stop discriminating against consumers.	null	EQUIFAX, INC.	LA	70115	Older American	Consent provided	Web	2023-10-01	Closed with explanation	Yes	null	7625251
2023-10-06	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	MD	21117	null	Consent not provided	Web	2023-10-06	Closed with explanation	Yes	null	7655854
2019-02-26	Mortgage	Conventional home mortgage	Trouble during payment process	null	null	null	RUSHMORE LOAN MANAGEMENT SERVICES LLC	OH	45251	null	Consent not provided	Web	2019-02-26	Closed with explanation	Yes	null	3163505
2023-07-06	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	null	null	EQUIFAX, INC.	FL	33073	null	null	Phone	2023-07-06	Closed with explanation	Yes	null	7212991
2024-12-19	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.	FL	33323	null	Consent not provided	Web	2024-12-19	Closed with non-monetary relief	Yes	null	11212747
2025-06-26	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	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	MO	63125	null	Consent not provided	Web	2025-06-26	Closed with non-monetary relief	Yes	null	14315549
2021-04-30	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Problem with a credit reporting company's investigation into an existing problem	Their investigation did not fix an error on your report	I have sent multiple disputes to the credit bureaus and XXXX, however, this inaccurate account ( Account # XXXX ) continues to report on my Transunion and XXXX XXXX reports. XXXX and the credit bureaus are in violation of the FDCPA section 807, Misleading False Reporting unverified/inaccurate account type, XXXX. of months, credit limit, payment status, last reported, and date last active. This is clearly inaccurate reporting. XXXX and the credit bureaus are also in violation of the FCRA section 607, which they must ensure maximum accuracy of the information contained in my credit report. XXXX and the credit bureaus did not ensure maximum accuracy. Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX credit report, but it must be removed from my Transunion and XXXX credit reports. Additionally, XXXX and Transunion are in violation of FDCPA section 807, Misleading False Reporting and FCRA section 607 because now the account is reporting as open on my Transunion credit report on XXXX, which is affecting my payment history. How can a charged off account reporting closed on my credit reports, now be reporting open? This is inaccurate and violating the credit reporting laws. This inaccuracy is also affecting me from obtaining any credit. This account also does not show in my XXXX pay bills section either, so why is this reporting as open? Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX credit report, but it must be removed from my Transunion and XXXX credit reports.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	TX	76542	Servicemember	Consent provided	Web	2021-04-30	Closed with explanation	Yes	null	4342001
2024-06-05	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	60636	null	Consent not provided	Web	2024-06-05	Closed with non-monetary relief	Yes	null	9169772
2018-04-21	Payday loan, title loan, or personal loan	Personal line of credit	Charged fees or interest you didn't expect	null	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	WELLS FARGO & COMPANY	NY	10598	Older American, Servicemember	Other	Web	2018-04-21	Closed with explanation	Yes	null	2882570
2025-05-02	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.	FL	32256	null	Consent not provided	Web	2025-05-02	Closed with explanation	Yes	null	13310625
2023-10-27	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.	FL	33020	null	Consent not provided	Web	2023-10-27	Closed with non-monetary relief	Yes	null	7762806
2024-01-22	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	33140	null	Consent not provided	Web	2024-01-22	Closed with non-monetary relief	Yes	null	8202995
2023-12-13	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	Bread Financial Holdings, Inc.	OH	43214	null	Consent not provided	Web	2023-12-13	Closed with explanation	Yes	null	7994973
2025-05-29	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	TRANSUNION INTERMEDIATE HOLDINGS, INC.	TN	38128	null	Consent not provided	Web	2025-05-29	Closed with non-monetary relief	Yes	null	13781994
2025-03-17	Checking or savings account	Checking account	Problem with a lender or other company charging your account	Transaction was not authorized	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	UNITED SERVICES AUTOMOBILE ASSOCIATION	CA	90036	Servicemember	Consent not provided	Web	2025-03-17	Closed with explanation	Yes	null	12518613
2015-10-20	Credit card	null	Advertising and marketing	null	Wells Fargo is having a representative with a furniture company who is misrepresenting the terms of the finance agreement. We were told the terms were no interest for one year and after a year interest on the remaining balance. So after a year we were charged interest on the balance we had already paid. I am sure it is in the small print, but how can they have a third party define the terms when they benefit from the purchase.	Company chooses not to provide a public response	WELLS FARGO & COMPANY	TX	79424	null	Consent provided	Web	2015-10-20	Closed with explanation	Yes	No	1615225
2021-05-10	Checking or savings account	Other banking product or service	Managing an account	Funds not handled or disbursed as instructed	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRUIST FINANCIAL CORPORATION	FL	32129	null	null	Referral	2021-05-11	Closed with explanation	Yes	null	4368035
2014-12-07	Mortgage	VA mortgage	Application, originator, mortgage broker	null	null	null	The J. G. Wentworth Company	AZ	85233	Older American, Servicemember	null	Web	2014-12-07	Closed with explanation	Yes	Yes	1146256
2025-04-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. I expect a prompt response to rectifytheseissues. XXXX XXXX XXXXXXXX	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	TX	77584	null	Consent provided	Web	2025-04-18	Closed with non-monetary relief	Yes	null	13057563
2024-09-17	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	Experian Information Solutions Inc.	MD	21214	null	Consent not provided	Web	2024-09-17	Closed with explanation	Yes	null	10156027
2023-07-21	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Problem with a credit reporting company's investigation into an existing problem	Their investigation did not fix an error on your report	null	null	EQUIFAX, INC.	FL	33487	null	Consent not provided	Web	2023-07-21	Closed with non-monetary relief	Yes	null	7287151
2024-10-31	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	TX	77429	null	Consent not provided	Web	2024-10-31	Closed with non-monetary relief	Yes	null	10649020
2023-01-01	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	null	null	EQUIFAX, INC.	OH	43055	null	Consent not provided	Web	2023-01-01	Closed with explanation	Yes	null	6384798
2024-11-16	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	CO	80920	null	Consent provided	Web	2024-11-16	Closed with non-monetary relief	Yes	null	10820087
2017-03-07	Credit card	null	Identity theft / Fraud / Embezzlement	null	In XX/XX/XXXX Discover Card called my number several times claiming to alert me to identity theft. I also received a letter dated XX/XX/2016 stating that Federal Law requires them to verify and record all information that identifies each person who applies for credit. I did not apply for credit from Discover Card. Their letter required me to call their Fraud Department and suggested I notify the XXXX credit agencies. I called and asked for a copy of the application and I was told I had to " prove '' who I was by sending certain documents, including a police report of identity theft. All these I did. I also sent a letter dated XX/XX/2016. Still I did not receive the copy. I began calling asking for the report. I was told that it was " in archives ''. I asked why it would be in archives if we were currently working on it. I was told it would only take anywhere from 24 hours to two weeks to bring the document out of archives and send it to me. I called in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and talked to various individuals, all of whom told me the document was in archives and they would bring it out and send me a copy. On XX/XX/2016 I spoke with a supervisor, XXXX XXXX who once again told me the application was " in archives ''. I asked how that could be since I had been calling for two months. He said he would take care of it. But no. I called on XX/XX/XXXX, and was told one day. I call on XX/XX/XXXX, XX/XX/XXXX and talked to XXXX in Utah, XX/XX/XXXX talked to XXXX and finally was transferred to the " security department '' where I talked to XXXX, and was told that they " never received the documents. '' This makes me very concerned. Discover Card initiated the call and the letter and the fraud alert. Yet, its representatives have consistently given me the proverbial " run around. '' I believe that someone within the organization is perpetrating this scam, but I doubt that I will ever get to the bottom of this. I do not believe that in the entire nation I am the only person who has encountered this.	null	DISCOVER BANK	NM	88012	Older American	Consent provided	Web	2017-03-07	Closed with explanation	Yes	No	2375963
2024-03-21	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	VA	23227	null	Consent not provided	Web	2024-03-21	Closed with explanation	Yes	null	8601790
2024-08-07	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.	FL	32571	null	Consent not provided	Web	2024-08-07	Closed with non-monetary relief	Yes	null	9738500
2024-06-11	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.	null	EQUIFAX, INC.	GA	30815	null	Consent provided	Web	2024-06-11	Closed with non-monetary relief	Yes	null	9217113
2025-04-03	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	TRANSUNION INTERMEDIATE HOLDINGS, INC.	GA	30046	null	Consent not provided	Web	2025-04-03	Closed with non-monetary relief	Yes	null	12812251
2024-05-16	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX	null	EQUIFAX, INC.	MA	01841	null	Consent provided	Web	2024-05-16	Closed with non-monetary relief	Yes	null	9015894
2021-10-22	Vehicle loan or lease	Lease	Incorrect information on your report	Account status incorrect	null	null	Santander Consumer USA Holdings Inc.	FL	33431	null	Consent not provided	Web	2021-10-22	Closed with explanation	Yes	null	4836913
2022-06-24	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly	In accordance with the Fair Credit Reporting act DPT EDXXXX 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	WI	53212	null	Consent provided	Web	2022-06-24	Closed with non-monetary relief	Yes	null	5706399
2024-05-17	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	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	NV	89110	null	Consent not provided	Web	2024-05-17	Closed with non-monetary relief	Yes	null	9023124
2024-05-30	Checking or savings account	Savings account	Managing an account	Banking errors	null	null	JPMORGAN CHASE & CO.	NY	10021	null	Consent not provided	Web	2024-05-30	Closed with explanation	Yes	null	9135822
2025-08-31	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.	AR	71603	null	null	Web	2025-08-31	In progress	Yes	null	15634204
2024-02-07	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	GA	30326	null	Consent not provided	Web	2024-02-07	Closed with non-monetary relief	Yes	null	8300869
2024-12-21	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	null	null	Portfolio Recovery Associates, LLC	TX	78666	null	Consent not provided	Web	2024-12-21	Closed with explanation	Yes	null	11231703
2022-12-15	Debt collection	Credit card debt	Took or threatened to take negative or legal action	Threatened or suggested your credit would be damaged	Settled judgment with lawyer at XXXX XXXX XXXX my debt consolidation program has been trying to reach their office since XXXX they dont return phone calls I ve tried left messages with no luck just want to pay them in full they are still on my credit report harassing my life and my progress forward they are terrible	Company has responded to the consumer and the CFPB and chooses not to provide a public response	SYNCHRONY FINANCIAL	MO	641XX	null	Consent provided	Web	2022-12-15	Closed with explanation	Yes	null	6325657
2022-03-21	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Problem with a credit reporting company's investigation into an existing problem	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	TRANSUNION INTERMEDIATE HOLDINGS, INC.	NJ	08083	null	Consent not provided	Web	2022-03-21	Closed with non-monetary relief	Yes	null	5347017
2023-06-03	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	FL	33179	null	Consent not provided	Web	2023-06-03	Closed with non-monetary relief	Yes	null	7069021
2021-02-13	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	XXXX XXXX XXXX XXXX XXXX Balance {$800.00} This account has been transferred/sold, but. This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	CA	90255	null	Consent provided	Web	2021-02-13	Closed with explanation	Yes	null	4138908
2024-05-31	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	null	null	EQUIFAX, INC.	TX	78211	null	null	Postal mail	2024-05-31	Closed with non-monetary relief	Yes	null	9144834
2025-05-09	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	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	VA	23606	Servicemember	Consent not provided	Web	2025-05-09	Closed with non-monetary relief	Yes	null	13404391
2024-06-19	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.	MD	21113	null	Consent not provided	Web	2024-06-19	Closed with non-monetary relief	Yes	null	9302340
2025-02-19	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	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	FL	33132	null	Consent not provided	Web	2025-02-28	Closed with explanation	Yes	null	12138186
2024-06-06	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	TRANSUNION INTERMEDIATE HOLDINGS, INC.	MI	48036	null	Consent not provided	Web	2024-06-06	Closed with non-monetary relief	Yes	null	9178708
2025-08-07	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.	SC	29375	null	null	Web	2025-08-07	In progress	Yes	null	15144319
2024-09-19	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	PNC Bank N.A.	CA	92543	null	Consent not provided	Web	2024-09-19	In progress	Yes	null	10192179
2023-10-11	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	91202	null	Other	Web	2023-10-11	Closed with explanation	Yes	null	7679221
2025-02-17	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	null	null	EQUIFAX, INC.	MA	02128	null	Consent not provided	Web	2025-02-24	Closed with non-monetary relief	Yes	null	12096705
2025-04-02	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.	TN	38108	null	Consent not provided	Web	2025-04-02	Closed with non-monetary relief	Yes	null	12786261
2024-04-05	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	TRANSUNION INTERMEDIATE HOLDINGS, INC.	NC	28027	null	Consent not provided	Web	2024-04-05	Closed with non-monetary relief	Yes	null	8692223
2025-07-15	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.	FL	32065	null	Consent not provided	Web	2025-07-15	Closed with explanation	Yes	null	14668484
2025-07-01	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.	IL	60623	null	Consent not provided	Web	2025-07-01	Closed with explanation	Yes	null	14394030
2025-05-22	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	FL	32801	null	Consent not provided	Web	2025-05-22	Closed with non-monetary relief	Yes	null	13663611
2017-08-04	Credit reporting, credit repair services, 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	CREDIT ACCEPTANCE CORPORATION	OH	45205	null	Consent not provided	Web	2017-08-04	Closed with explanation	Yes	null	2595003

2023-07-25

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

null

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

Experian Information Solutions Inc.

GA

314XX

null

Other

Web

2023-07-25

Closed with non-monetary relief

Yes

null

7296032

2025-01-08

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

null

Spring Oaks Capital, LLC

TX

77429

null

Consent not provided

Web

2025-01-08

Closed with non-monetary relief

Yes

null

11409521

2024-10-14

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

EQUIFAX, INC.

DC

20020

null

Consent not provided

Web

2024-10-14

Closed with explanation

Yes

null

10442365

2022-05-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX XXXX acc XXXX this account do not belong to me XXXX XXXX XXXX Acc XXXX this acc do not belong to me. XXXX XXXX XXXX acc XXXX this acc do not belong to me XXXX XXXX acc XXXX this acc do not belong tome

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

10028

null

Consent provided

Web

2022-05-03

Closed with non-monetary relief

Yes

null

5533456

2025-04-02

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.

MO

63132

null

Consent not provided

Web

2025-04-02

Closed with non-monetary relief

Yes

null

12789911

2021-06-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

TX

76712

null

Consent not provided

Web

2021-06-04

Closed with explanation

Yes

null

4431018

2023-10-11

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

EQUIFAX, INC.

OK

73013

null

Consent not provided

Web

2023-10-11

Closed with non-monetary relief

Yes

null

7679708

2021-09-17

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

null

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

WELLS FARGO & COMPANY

FL

33019

null

Consent not provided

Web

2021-09-17

Closed with explanation

Yes

null

4729246

2022-10-31

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

EQUIFAX, INC.

TX

78577

null

Consent not provided

Web

2022-10-31

Closed with explanation

Yes

null

6148953

2022-09-22

Credit reporting, credit repair services, 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.

TX

78577

null

Consent not provided

Web

2022-09-22

Closed with non-monetary relief

Yes

null

6010434

2024-09-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX XXXX XXXX I AM FILING THIS CFPB COMPLAINT TO REQUEST PURSUIT FCRA 605B ( 15 U.S. Code 1681c2 ) THAT YOU THE EXPERIAN REPORTING AGENCY BLOCK INFORMATION ON MY CREDIT REPORT THAT IS AN RESULT IN IDENTITY THEFT AND FRAUD WITHIN 4 DAYS OF YOU RECEIVING THIS COMPLAINT. I HAVE SEVERAL ACCOUNTS ON MY REPORT SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS HAVE ADDED FRAUD ACCOUNTS AND ALSO INQUIRIES SHOWING ON MY CONSUMER FICO CREDIT REPORT.

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

Experian Information Solutions Inc.

MI

48223

null

Consent provided

Web

2024-09-18

Closed with explanation

Yes

null

10157133

2025-06-29

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.

MA

01810

null

Consent not provided

Web

2025-06-29

Closed with explanation

Yes

null

14361308

2024-09-20

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

null

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AZ

85361

null

Consent not provided

Web

2024-09-20

Closed with non-monetary relief

Yes

null

10189524

2025-06-23

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

My account with EQUIFAX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

null

EQUIFAX, INC.

LA

70068

null

Consent provided

Web

2025-06-23

Closed with non-monetary relief

Yes

null

14243472

2024-08-09

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.

MD

20904

null

Consent not provided

Web

2024-08-09

Closed with explanation

Yes

null

9758725

2024-03-08

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

null

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

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

91605

null

Referral

2024-03-08

Closed with explanation

Yes

null

8507889

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

Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax and XXXX are reporting 10 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

null

EQUIFAX, INC.

CA

90255

null

Consent provided

Web

2021-06-04

Closed with explanation

Yes

null

4433865

2024-05-22

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

I asked the company Acima to verify an account that turns out to be identity theft and a fraudulent account. I sent correspondence to the company certified mail with my ftc report. Pursuant to18 U.S. Code 1028 I demand this information be deleted from my credit report as I am a victim of identity theft. This company tried to advise me that I needed a police report to flag my account as fraudulent when notification from me the consumer is enough there carelessness in handling my consumer file leaves me vulnerable to identity theft

null

ACIMA CREDIT, LLC

CA

92308

null

Consent provided

Web

2024-05-22

Closed with explanation

Yes

null

9071742

2024-04-03

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

EQUIFAX, INC.

OH

45237

null

Consent not provided

Web

2024-04-03

Closed with explanation

Yes

null

8683929

2025-02-12

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

Experian Information Solutions Inc.

TX

75783

null

Consent not provided

Web

2025-02-12

Closed with explanation

Yes

null

12053557

2024-10-30

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Public record information inaccurate

null

EQUIFAX, INC.

AL

36066

null

Consent not provided

Web

2024-10-30

Closed with explanation

Yes

null

10627346

2025-08-21

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.

TX

75074

null

Web

2025-08-21

In progress

Yes

null

15424264

2024-04-22

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am writing to address the persistent presence of fraudulent items on my credit report despite my repeated attempts to have them removed. This marks the multiple time I am reaching out regarding this issue, and I am deeply concerned about the impact it is having on my financial standing and credibility. Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they continue to tarnish my credit history. This ongoing situation not only undermines my financial reputation but also poses a significant threat to my financial well-being. Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have adversely affected my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

OH

440XX

null

Consent provided

Web

2024-04-22

Closed with explanation

Yes

null

8821246

2024-01-09

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

null

EQUIFAX, INC.

CA

95020

null

Other

Web

2024-01-09

Closed with non-monetary relief

Yes

null

8132792

2025-03-19

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

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

Experian Information Solutions Inc.

FL

33065

null

Consent not provided

Web

2025-03-19

Closed with explanation

Yes

null

12560058

2017-02-28

Credit reporting

null

Incorrect information on credit report

Information is not mine

I have disputed these account many times. These accounts are not mine. I request they be removed.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

31419

null

Consent provided

Web

2017-02-28

Closed with explanation

Yes

No

2365208

2025-05-03

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19601

null

Consent not provided

Web

2025-05-03

Closed with non-monetary relief

Yes

null

13317771

2025-06-13

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

Experian Information Solutions Inc.

FL

33167

null

Consent not provided

Web

2025-06-13

Closed with explanation

Yes

null

14067427

2021-06-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

PA

19138

null

Consent not provided

Web

2021-06-30

Closed with explanation

Yes

null

4506983

2018-03-23

Checking or savings account

Checking account

Problem caused by your funds being low

Overdrafts and overdraft fees

null

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

BANK OF THE WEST

CA

93291

null

Referral

2018-03-26

Closed with explanation

Yes

null

2854777

2021-02-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

FL

33056

null

Consent not provided

Web

2021-02-25

Closed with explanation

Yes

null

4165605

2021-07-27

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I recently sent a cease and desist on XX/XX/2021 to CREDIT MANAGEMENT LP regarding an alleged obligation that I do not owe that they falsely reported on my consumer report. This is the second time that CREDIT MANAGEMENT LP is falsely reporting a debt that I do not owe and does not belong to me on my consumer credit report. As the result of CREDIT MANAGEMENT LP falsely reporting on my consumer credit report, CREDIT MANAGEMENT LP failed to follow 15 USC 1592c ( a ) and committed an individual action against me because CREDIT MANAGEMENT LP did not get my prior written consent to communicated with me the consumer with connection of a debt. CREDIT MANAGEMENT LP also failed to follow 15 USC 1592g as CREDIT MANAGEMENT LP failed to provide me a written notice containing the five requirements under the subchapter of 15 USC 1692g Within five days after the initial communication.

Company disputes the facts presented in the complaint

The CMI Group, Inc.

CO

80026

null

Consent provided

Web

2021-07-28

Closed with explanation

Yes

null

4579538

2022-01-27

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

GOLDMAN SACHS BANK USA

IL

60616

null

Consent not provided

Web

2022-01-27

Closed with explanation

Yes

null

5156020

2025-01-31

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

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

Experian Information Solutions Inc.

IL

60466

null

Consent not provided

Web

2025-01-31

Closed with explanation

Yes

null

11869108

2025-02-11

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.

FL

33837

null

Consent not provided

Web

2025-02-11

Closed with non-monetary relief

Yes

null

12013409

2025-08-05

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

Cascade CISS Holdings, LLC

TX

77070

null

Web

2025-08-08

Closed with explanation

Yes

null

15099978

2024-06-25

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

null

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

31069

null

Postal mail

2024-06-25

Closed with non-monetary relief

Yes

null

9339434

2023-06-07

Mortgage

Conventional home mortgage

Trouble during payment process

null

My mortgage was with XXXX XXXX XXXX XXXX. It was transferred without my approval to Fifth Third Bank. I received a letter in the mail on XX/XX/XXXX telling me the mortgage was transferred and to go online and create an account. I went online to do that and it said that I was unable to register and to call in. I called 5/3 on XX/XX/XXXX and they said the mortgage was not set up yet in the system and to call back on XX/XX/XXXX. To be safe I waited until XX/XX/XXXX to call back. They informed me that my cell and e-mail were not correct on the record. They updated my cell and said to wait 24 hours to call back to do a text verification. To be safe I waited 48 hours and called back XXXX XX/XX/XXXX where they told me it would take 14 days to activate text verification. I asked to speak to a supervisor who said she could not help me. After I asked for my mortgage to be transferred back she hung up on me. So three calls in and I can't register my account and pay my mortgage. I know I have a 60 day grace period but the process and customer service is terrible.

null

FIFTH THIRD FINANCIAL CORPORATION

MI

48236

null

Consent provided

Web

2023-06-07

Closed with explanation

Yes

null

7084953

2025-04-03

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

MO

63103

null

Consent not provided

Web

2025-04-03

Closed with non-monetary relief

Yes

null

12808515

2025-05-28

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

GA

30044

null

Consent not provided

Web

2025-05-28

Closed with non-monetary relief

Yes

null

13756686

2024-12-04

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

null

EQUIFAX, INC.

NJ

07424

null

Consent not provided

Web

2024-12-04

Closed with non-monetary relief

Yes

null

11018999

2024-03-11

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.

TN

37214

null

Consent not provided

Web

2024-03-11

Closed with explanation

Yes

null

8517891

2025-04-18

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.

CA

90029

null

Consent not provided

Web

2025-04-18

Closed with non-monetary relief

Yes

null

13060001

2025-02-28

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30224

null

Consent not provided

Web

2025-02-28

Closed with non-monetary relief

Yes

null

12247374

2023-10-01

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

On XX/XX/2023, I paid off a credit card with XXXX XXXX. It was never updated on my credit report. On XX/XX/2023, I paid off a revolving credit account, it was not updated on any of my credit reports. Interestingly enough, credit increases are reported immediately but credit decreases take upwards of 30 days to update. Also, all three of the credit reporting agencies ( XXXX XXXX, XXXX and Equifax ) report very different credit scores for me, as does XXXX XXXX. I had to contact all three credit reporting agencies as well as XXXX XXXX to update my scores. They are not updated. The house I am renting is going on the market. I need to continue to repair my credit so I can rent a new apartment or find a lender who will approve me for a mortgage. I'm tired of waiting three months for credit reporting agencies to reflect positive changes on my credit report and the hours I need to spend on the phone just to have an accurate reflection of my credit rating. I'm doing my best after major XXXX and a global pandemic. Credit reporting agencies need to do better and stop discriminating against consumers.

null

EQUIFAX, INC.

LA

70115

Older American

Consent provided

Web

2023-10-01

Closed with explanation

Yes

null

7625251

2023-10-06

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

MD

21117

null

Consent not provided

Web

2023-10-06

Closed with explanation

Yes

null

7655854

2019-02-26

Mortgage

Conventional home mortgage

Trouble during payment process

null

RUSHMORE LOAN MANAGEMENT SERVICES LLC

OH

45251

null

Consent not provided

Web

2019-02-26

Closed with explanation

Yes

null

3163505

2023-07-06

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

Credit reporting

Incorrect information on your report

Account information incorrect

null

EQUIFAX, INC.

FL

33073

null

Phone

2023-07-06

Closed with explanation

Yes

null

7212991

2024-12-19

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.

FL

33323

null

Consent not provided

Web

2024-12-19

Closed with non-monetary relief

Yes

null

11212747

2025-06-26

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

63125

null

Consent not provided

Web

2025-06-26

Closed with non-monetary relief

Yes

null

14315549

2021-04-30

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

Credit reporting

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

Their investigation did not fix an error on your report

I have sent multiple disputes to the credit bureaus and XXXX, however, this inaccurate account ( Account # XXXX ) continues to report on my Transunion and XXXX XXXX reports. XXXX and the credit bureaus are in violation of the FDCPA section 807, Misleading False Reporting unverified/inaccurate account type, XXXX. of months, credit limit, payment status, last reported, and date last active. This is clearly inaccurate reporting. XXXX and the credit bureaus are also in violation of the FCRA section 607, which they must ensure maximum accuracy of the information contained in my credit report. XXXX and the credit bureaus did not ensure maximum accuracy. Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX credit report, but it must be removed from my Transunion and XXXX credit reports. Additionally, XXXX and Transunion are in violation of FDCPA section 807, Misleading False Reporting and FCRA section 607 because now the account is reporting as open on my Transunion credit report on XXXX, which is affecting my payment history. How can a charged off account reporting closed on my credit reports, now be reporting open? This is inaccurate and violating the credit reporting laws. This inaccuracy is also affecting me from obtaining any credit. This account also does not show in my XXXX pay bills section either, so why is this reporting as open? Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX credit report, but it must be removed from my Transunion and XXXX credit reports.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76542

Servicemember

Consent provided

Web

2021-04-30

Closed with explanation

Yes

null

4342001

2024-06-05

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

60636

null

Consent not provided

Web

2024-06-05

Closed with non-monetary relief

Yes

null

9169772

2018-04-21

Payday loan, title loan, or personal loan

Personal line of credit

Charged fees or interest you didn't expect

null

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

WELLS FARGO & COMPANY

NY

10598

Older American, Servicemember

Other

Web

2018-04-21

Closed with explanation

Yes

null

2882570

2025-05-02

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.

FL

32256

null

Consent not provided

Web

2025-05-02

Closed with explanation

Yes

null

13310625

2023-10-27

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.

FL

33020

null

Consent not provided

Web

2023-10-27

Closed with non-monetary relief

Yes

null

7762806

2024-01-22

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

33140

null

Consent not provided

Web

2024-01-22

Closed with non-monetary relief

Yes

null

8202995

2023-12-13

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

Bread Financial Holdings, Inc.

OH

43214

null

Consent not provided

Web

2023-12-13

Closed with explanation

Yes

null

7994973

2025-05-29

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

38128

null

Consent not provided

Web

2025-05-29

Closed with non-monetary relief

Yes

null

13781994

2025-03-17

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

null

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

UNITED SERVICES AUTOMOBILE ASSOCIATION

CA

90036

Servicemember

Consent not provided

Web

2025-03-17

Closed with explanation

Yes

null

12518613

2015-10-20

Credit card

null

Advertising and marketing

null

Wells Fargo is having a representative with a furniture company who is misrepresenting the terms of the finance agreement. We were told the terms were no interest for one year and after a year interest on the remaining balance. So after a year we were charged interest on the balance we had already paid. I am sure it is in the small print, but how can they have a third party define the terms when they benefit from the purchase.

Company chooses not to provide a public response

WELLS FARGO & COMPANY

TX

79424

null

Consent provided

Web

2015-10-20

Closed with explanation

Yes

No

1615225

2021-05-10

Checking or savings account

Other banking product or service

Managing an account

Funds not handled or disbursed as instructed

null

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

TRUIST FINANCIAL CORPORATION

FL

32129

null

Referral

2021-05-11

Closed with explanation

Yes

null

4368035

2014-12-07

Mortgage

VA mortgage

Application, originator, mortgage broker

null

The J. G. Wentworth Company

AZ

85233

Older American, Servicemember

null

Web

2014-12-07

Closed with explanation

Yes

1146256

2025-04-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. I expect a prompt response to rectifytheseissues. XXXX XXXX XXXXXXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77584

null

Consent provided

Web

2025-04-18

Closed with non-monetary relief

Yes

null

13057563

2024-09-17

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

Experian Information Solutions Inc.

MD

21214

null

Consent not provided

Web

2024-09-17

Closed with explanation

Yes

null

10156027

2023-07-21

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

Credit reporting

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

Their investigation did not fix an error on your report

null

EQUIFAX, INC.

FL

33487

null

Consent not provided

Web

2023-07-21

Closed with non-monetary relief

Yes

null

7287151

2024-10-31

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

TX

77429

null

Consent not provided

Web

2024-10-31

Closed with non-monetary relief

Yes

null

10649020

2023-01-01

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

null

EQUIFAX, INC.

OH

43055

null

Consent not provided

Web

2023-01-01

Closed with explanation

Yes

null

6384798

2024-11-16

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CO

80920

null

Consent provided

Web

2024-11-16

Closed with non-monetary relief

Yes

null

10820087

2017-03-07

Credit card

null

Identity theft / Fraud / Embezzlement

null

In XX/XX/XXXX Discover Card called my number several times claiming to alert me to identity theft. I also received a letter dated XX/XX/2016 stating that Federal Law requires them to verify and record all information that identifies each person who applies for credit. I did not apply for credit from Discover Card. Their letter required me to call their Fraud Department and suggested I notify the XXXX credit agencies. I called and asked for a copy of the application and I was told I had to " prove '' who I was by sending certain documents, including a police report of identity theft. All these I did. I also sent a letter dated XX/XX/2016. Still I did not receive the copy. I began calling asking for the report. I was told that it was " in archives ''. I asked why it would be in archives if we were currently working on it. I was told it would only take anywhere from 24 hours to two weeks to bring the document out of archives and send it to me. I called in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and talked to various individuals, all of whom told me the document was in archives and they would bring it out and send me a copy. On XX/XX/2016 I spoke with a supervisor, XXXX XXXX who once again told me the application was " in archives ''. I asked how that could be since I had been calling for two months. He said he would take care of it. But no. I called on XX/XX/XXXX, and was told one day. I call on XX/XX/XXXX, XX/XX/XXXX and talked to XXXX in Utah, XX/XX/XXXX talked to XXXX and finally was transferred to the " security department '' where I talked to XXXX, and was told that they " never received the documents. '' This makes me very concerned. Discover Card initiated the call and the letter and the fraud alert. Yet, its representatives have consistently given me the proverbial " run around. '' I believe that someone within the organization is perpetrating this scam, but I doubt that I will ever get to the bottom of this. I do not believe that in the entire nation I am the only person who has encountered this.

null

DISCOVER BANK

NM

88012

Older American

Consent provided

Web

2017-03-07

Closed with explanation

Yes

No

2375963

2024-03-21

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

VA

23227

null

Consent not provided

Web

2024-03-21

Closed with explanation

Yes

null

8601790

2024-08-07

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.

FL

32571

null

Consent not provided

Web

2024-08-07

Closed with non-monetary relief

Yes

null

9738500

2024-06-11

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

null

EQUIFAX, INC.

GA

30815

null

Consent provided

Web

2024-06-11

Closed with non-monetary relief

Yes

null

9217113

2025-04-03

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30046

null

Consent not provided

Web

2025-04-03

Closed with non-monetary relief

Yes

null

12812251

2024-05-16

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

null

EQUIFAX, INC.

MA

01841

null

Consent provided

Web

2024-05-16

Closed with non-monetary relief

Yes

null

9015894

2021-10-22

Vehicle loan or lease

Lease

Incorrect information on your report

Account status incorrect

null

Santander Consumer USA Holdings Inc.

FL

33431

null

Consent not provided

Web

2021-10-22

Closed with explanation

Yes

null

4836913

2022-06-24

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act DPT EDXXXX 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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

Experian Information Solutions Inc.

WI

53212

null

Consent provided

Web

2022-06-24

Closed with non-monetary relief

Yes

null

5706399

2024-05-17

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

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

Experian Information Solutions Inc.

NV

89110

null

Consent not provided

Web

2024-05-17

Closed with non-monetary relief

Yes

null

9023124

2024-05-30

Checking or savings account

Savings account

Managing an account

Banking errors

null

JPMORGAN CHASE & CO.

NY

10021

null

Consent not provided

Web

2024-05-30

Closed with explanation

Yes

null

9135822

2025-08-31

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AR

71603

null

Web

2025-08-31

In progress

Yes

null

15634204

2024-02-07

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

GA

30326

null

Consent not provided

Web

2024-02-07

Closed with non-monetary relief

Yes

null

8300869

2024-12-21

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

null

Portfolio Recovery Associates, LLC

TX

78666

null

Consent not provided

Web

2024-12-21

Closed with explanation

Yes

null

11231703

2022-12-15

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

Settled judgment with lawyer at XXXX XXXX XXXX my debt consolidation program has been trying to reach their office since XXXX they dont return phone calls I ve tried left messages with no luck just want to pay them in full they are still on my credit report harassing my life and my progress forward they are terrible

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

SYNCHRONY FINANCIAL

MO

641XX

null

Consent provided

Web

2022-12-15

Closed with explanation

Yes

null

6325657

2022-03-21

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

Credit reporting

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

08083

null

Consent not provided

Web

2022-03-21

Closed with non-monetary relief

Yes

null

5347017

2023-06-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

FL

33179

null

Consent not provided

Web

2023-06-03

Closed with non-monetary relief

Yes

null

7069021

2021-02-13

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX XXXX XXXX XXXX Balance {$800.00} This account has been transferred/sold, but. This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

90255

null

Consent provided

Web

2021-02-13

Closed with explanation

Yes

null

4138908

2024-05-31

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

null

EQUIFAX, INC.

TX

78211

null

Postal mail

2024-05-31

Closed with non-monetary relief

Yes

null

9144834

2025-05-09

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

23606

Servicemember

Consent not provided

Web

2025-05-09

Closed with non-monetary relief

Yes

null

13404391

2024-06-19

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.

MD

21113

null

Consent not provided

Web

2024-06-19

Closed with non-monetary relief

Yes

null

9302340

2025-02-19

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33132

null

Consent not provided

Web

2025-02-28

Closed with explanation

Yes

null

12138186

2024-06-06

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

48036

null

Consent not provided

Web

2024-06-06

Closed with non-monetary relief

Yes

null

9178708

2025-08-07

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.

SC

29375

null

Web

2025-08-07

In progress

Yes

null

15144319

2024-09-19

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

PNC Bank N.A.

CA

92543

null

Consent not provided

Web

2024-09-19

In progress

Yes

null

10192179

2023-10-11

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

91202

null

Other

Web

2023-10-11

Closed with explanation

Yes

null

7679221

2025-02-17

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

null

EQUIFAX, INC.

MA

02128

null

Consent not provided

Web

2025-02-24

Closed with non-monetary relief

Yes

null

12096705

2025-04-02

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.

TN

38108

null

Consent not provided

Web

2025-04-02

Closed with non-monetary relief

Yes

null

12786261

2024-04-05

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28027

null

Consent not provided

Web

2024-04-05

Closed with non-monetary relief

Yes

null

8692223

2025-07-15

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.

FL

32065

null

Consent not provided

Web

2025-07-15

Closed with explanation

Yes

null

14668484

2025-07-01

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.

IL

60623

null

Consent not provided

Web

2025-07-01

Closed with explanation

Yes

null

14394030

2025-05-22

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

FL

32801

null

Consent not provided

Web

2025-05-22

Closed with non-monetary relief

Yes

null

13663611

2017-08-04

Credit reporting, credit repair services, 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

CREDIT ACCEPTANCE CORPORATION

OH

45205

null

Consent not provided

Web

2017-08-04

Closed with explanation

Yes

null

2595003