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
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2025-06-14
|
Debt collection
|
Other debt
|
Took or threatened to take negative or legal action
|
Threatened or suggested your credit would be damaged
|
XXXX XXXX contacted me multiple times saying I owed {$780.00} for bad checks written at two XXXX stores.
I do not write checks at XXXX nor have I ever been to the XXXX stores where the fraud took place.
XXXX provided me the checking account and routing number information. I called the bank. They have no record of me ever having an account there nor is the account number a real one for their bank. I filed a police report with my local police department.
Someone pulled my name out of thin air and apparently created a fake check with a fake account number in my name from an actual bank.
I let XXXX recovery service know the information above. They continue to contact me demanding I fill out more paperwork and that I still owe them the money regardless.
I contacted them via phone multiple times. I have twice filed on their website all this information. I wrote them a letter with all the information above.
When I told them I was not paying they told me they would report me I think to XXXX and it would negatively impact my ability to write checks at XXXX of locations.
They continue to send me documents saying I have to fill out account information and sign documents. As I stated above, I do not have an ACCOUNT related to the debt!
| null |
FISERV INC.
|
TX
|
75078
|
Servicemember
|
Consent provided
|
Web
|
2025-06-14
|
Closed with explanation
|
Yes
| null |
14080479
|
2018-03-27
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt was paid
|
I opened a zales account in XX/XX/XXXX, I paid the full amount in XX/XX/XXXX. The account was close and XXXX reopened the account on XX/XX/XXXX. There was no actual contract and the amount was paid in full for {$1000.00} now it stated that I owed {$3000.00}. False information and amount. Im no longer reliable for this debt.
| null |
Bread Financial Holdings, Inc.
|
PA
|
183XX
| null |
Consent provided
|
Web
|
2018-03-27
|
Closed with explanation
|
Yes
| null |
2856067
|
2024-02-26
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
|
On XX/XX/year>, my car was broken into and my wallet was taken which contained most of my personal information.
On XX/XX/year> I realized I was being a victim of identity theft when I was notified of hard inquiries to my credit. Additionally on that same day I received emails of purchases being made with an existing credit card from XXXX for {$2700.00} and {$570.00}. This was the only credit card I hadnt cancelled yet since I forgot I owned it and maybe it was in my wallet. I called XXXX on Sunday XXXX XXXX and reported the fraud yet they said I needed to wait past the weekend to talk to the fraud department. I have yet to try again because were still on non operational days. I have since then placed a freeze over all my credit files. On that same Sunday I placed a report with the FTC and reported the identity theft.
The hard inquiries I received were from XXXX, XXXX XXXX, and XXXX.
The dates for these inquiries are : XXXX XX/XX/year>, XXXX XXXX XXXX, and XXXX XXXX XX/XX/year>. The credit lines were successfully opened but i dont know the amounts of the purchases made yet.
I contacted the credit bureaus where the inquiries appear and with the exception of experian, all were able to help me. The majority of the inquiries are on my experian credit report and I would really want to get those removed. I was told they would contact me within XXXX.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
SYNCHRONY FINANCIAL
|
CA
|
91335
| null |
Consent provided
|
Web
|
2024-03-05
|
Closed with non-monetary relief
|
Yes
| null |
8421110
|
2023-08-06
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
NC
|
27597
| null |
Consent not provided
|
Web
|
2023-08-06
|
Closed with explanation
|
Yes
| null |
7359174
|
2024-11-22
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
CA
|
93313
| null |
Consent not provided
|
Web
|
2024-11-22
|
Closed with non-monetary relief
|
Yes
| null |
10885377
|
2025-06-20
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.
Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.
| null |
EQUIFAX, INC.
|
GA
|
30044
| null |
Consent provided
|
Web
|
2025-06-20
|
Closed with explanation
|
Yes
| null |
14194494
|
2017-10-26
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
|
I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
| null |
Credit Plus Inc
|
GA
|
30241
| null |
Consent provided
|
Web
|
2017-10-26
|
Closed with explanation
|
Yes
| null |
2713279
|
2022-08-02
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
U.S. BANCORP
|
TX
|
78260
| null |
Consent not provided
|
Web
|
2022-08-23
|
Closed with explanation
|
Yes
| null |
5837019
|
2023-01-13
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
33323
| null |
Consent not provided
|
Web
|
2023-01-13
|
Closed with non-monetary relief
|
Yes
| null |
6433929
|
2024-07-29
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
IL
|
60654
| null |
Consent not provided
|
Web
|
2024-07-29
|
Closed with non-monetary relief
|
Yes
| null |
9634179
|
2021-04-19
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Investigation took more than 30 days
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Medical Data Systems, Inc.
|
NC
|
28277
| null |
Consent not provided
|
Web
|
2021-04-19
|
Closed with explanation
|
Yes
| null |
4308617
|
2020-04-10
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
These are not my accounts, and I also didn't authorize these credit inquiries. My name is also incorrect and is not me.
| null |
EQUIFAX, INC.
|
IL
|
60617
| null |
Consent provided
|
Web
|
2020-04-10
|
Closed with explanation
|
Yes
| null |
3600308
|
2024-12-10
|
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.
|
NY
|
11520
| null |
Consent not provided
|
Web
|
2024-12-10
|
Closed with explanation
|
Yes
| null |
11105904
|
2024-11-06
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Problem with personal statement of dispute
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
FL
|
32773
| null |
Other
|
Web
|
2024-11-06
|
Closed with explanation
|
Yes
| null |
10706136
|
2025-09-08
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
Experian Information Solutions Inc.
|
GA
|
31763
| null | null |
Web
|
2025-09-08
|
In progress
|
Yes
| null |
15807227
|
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
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
VA
|
23502
| null |
Other
|
Web
|
2022-09-22
|
Closed with non-monetary relief
|
Yes
| null |
6010348
|
2023-07-28
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Public record information inaccurate
|
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
| null |
EQUIFAX, INC.
|
IL
|
604XX
| null |
Consent provided
|
Web
|
2023-07-28
|
Closed with non-monetary relief
|
Yes
| null |
7319148
|
2021-09-27
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
WELLS FARGO & COMPANY
|
CT
|
06704
| null | null |
Referral
|
2021-09-29
|
Closed with non-monetary relief
|
Yes
| null |
4763131
|
2024-12-05
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
ENCORE CAPITAL GROUP INC.
|
FL
|
32563
| null |
Consent not provided
|
Web
|
2024-12-05
|
Closed with explanation
|
Yes
| null |
11026401
|
2024-09-09
|
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
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
34714
| null |
Consent not provided
|
Web
|
2024-09-09
|
Closed with non-monetary relief
|
Yes
| null |
10049665
|
2024-10-16
|
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.
|
GA
|
30296
| null |
Consent not provided
|
Web
|
2024-10-16
|
Closed with non-monetary relief
|
Yes
| null |
10453786
|
2024-02-16
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
XXXX, XXXX, and Equifax are currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the Northern District of Georgia stated that they did not provide information to XXXX or Equifax and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
| null |
EQUIFAX, INC.
|
GA
|
30228
| null |
Consent provided
|
Web
|
2024-02-16
|
Closed with explanation
|
Yes
| null |
8356243
|
2013-05-16
|
Bank account or service
|
Checking account
|
Problems caused by my funds being low
| null | null | null |
BANK OF AMERICA, NATIONAL ASSOCIATION
|
FL
|
33351
| null | null |
Referral
|
2013-05-17
|
Closed with monetary relief
|
Yes
|
No
|
408828
|
2015-05-06
|
Mortgage
|
Conventional fixed mortgage
|
Loan servicing, payments, escrow account
| null |
I have contacted multiple financial institutions and most of the time I am told that principle payments do not reduce interest charges in the following month. I am told not to pay on principle since doing so will only shorten the loan duration but not the interest charges in the following month.
This complaint is specific to Capital One. I was told by multiple licensed employees that principle payments do not reduce scheduled interest charges in the following month and discouraged extra payments. I eventual pushed the issue to the fourth level of management who stated correctly that principle payments do reduce the following month interest charges. They stated they would provide training to their employees. I stated I would call after XXXX month and ask the same question to see if the training was effective.
Today, XXXX/XXXX/15 at XXXX XXXX, I called XXXX XXXX XXXX. I asked " If I pay an extra {$10.00} in month XXXX, will the interest charge in month XXXX drop by a few cents? '' He replied no. He said the interest charges would be the same as though no principle was paid and only the length of my loan would be reduced. He clearly failed my test and when I asked to speak to management I was told there was none available, then transferred to a voicemail.
I have spoken to many people in the industry and it sickens me that so many actively discourage early pay off and additional principle payments. They lie to prevent early pay-off and this costs consumer XXXX of dollars. over the life of the loan.
| null |
CAPITAL ONE FINANCIAL CORPORATION
|
ID
|
83607
| null |
Consent provided
|
Web
|
2015-05-07
|
Closed with explanation
|
Yes
|
Yes
|
1363828
|
2021-03-04
|
Money transfer, virtual currency, or money service
|
Virtual currency
|
Money was not available when promised
| null |
On XX/XX/21 I created a crypto account with a company called Coinbase and bought {$130.00} of various cryptocurrencies with my debit through their mobile app. I bought XXXX dollars in Bit coin, XXXX dollars in XXXX, XXXX dollars in XXXX and bought XXXX dollars of XXXX XXXX XXXX coins. I could see the reflected balance fluctuate with the market on my porfolio up until XX/XX/21 XXXX XXXX. When I check my porfolio and hour or so later my porfolio showed a balance of XXXX. I checked the transactions on each crypto and there no recent transactions to show why my balance is XXXX. It only showed the amounts I purchased the night before. Out of concern I locked my account and emailed coinbase several times I recieved a generic reply from a third party website asking if my problem was resolved and replied " no it has not ''. I tired to contact customer service by phone as well but can not get in touch with a live representative. Only an automated line that allows you to lock your account if you feel it has been compromised. I researched online and found forums with many people having this same problem. Can you please help stop these crooks?
Thank you, XXXX XXXX
| null |
Coinbase, Inc.
|
WA
|
98001
| null |
Consent provided
|
Web
|
2021-03-04
|
Closed with explanation
|
Yes
| null |
4182163
|
2025-09-01
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Investigation took more than 30 days
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
34711
| null | null |
Web
|
2025-09-01
|
In progress
|
Yes
| null |
15642044
|
2022-06-20
|
Student loan
|
Federal student loan servicing
|
Dealing with your lender or servicer
|
Trouble with how payments are being handled
| null | null |
AES/PHEAA
|
TX
|
78610
| null |
Consent not provided
|
Web
|
2022-06-20
|
Closed with explanation
|
Yes
| null |
5686451
|
2021-10-13
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
CT
|
06114
| null | null |
Phone
|
2021-10-13
|
Closed with explanation
|
Yes
| null |
4807644
|
2024-06-13
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
77025
| null |
Consent not provided
|
Web
|
2024-06-13
|
Closed with non-monetary relief
|
Yes
| null |
9240572
|
2025-03-20
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Credit monitoring or identity theft protection services
|
Didn't receive services that were advertised
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XX/XX/year> ] Subject : Formal Complaint Regarding Debt Collectors Violating Consumer Protection Laws Dear XXXX, I am writing to file a formal complaint against several debt collectors who are violating my rights as a consumer under both federal and state laws, as well as specific provisions of the Uniform Commercial Code ( UCC ). These violations include unlawful practices that are not in compliance with consumer protection laws. The specific issues I have encountered include : XXXX. Unauthorized Withdrawals/Collections : Debt collectors have attempted to withdraw funds from my account without my consent, which is a violation of UCC 4-403 . This section states that a bank must honor a stop-payment order from the account holder, and any withdrawal without my authorization constitutes a breach of this provision. XXXX. Failure to Provide Proper Validation of Debt : According to UCC 3-501, the collector is required to provide proper presentment of the debt and the original instrument that bears my signature. Despite my requests, the debt collectors have failed to provide any valid evidence or validation of the debt they are attempting to collect. XXXX. Misrepresentation and Deceptive Practices : The actions of these debt collectors also violate UCC 1-201 ( 19 ), In accordance with the Uniform Commercial Code ( UCC ), specifically UCC 3-501 and UCC 9-406, I hereby formally notify you that I do not consent to any further communication from you regarding this matter. Additionally, I dispute any claims of indebtedness and reserve all rights related to any alleged obligation to owe or pay you anything. Please consider this letter as a definitive statement on the issue and cease all further communication and collection efforts immediately. Despite my prior communications and attempts to resolve this issue amicably, I have yet to receive a satisfactory resolution. Specifically, I request the following fair actions be taken : XXXX. Refund of Any Overpayments : I seek a full refund of any amounts I have overpaid or incorrectly paid to your agency. I request a detailed accounting of all payments made and the corresponding amounts due, as well as an explanation of any discrepancies. XXXX. Correction of Credit Records : Any negative impact on my credit report resulting from this dispute should be corrected to accurately reflect my current standing and to remove any unjust marks. XXXX. Cease Further Collection Activities : I request that all collection activities and communications cease immediately, as this matter should be resolved in accordance with the fair and accurate handling of my account. I expect a written response within [ reasonable timeframe, e.g., 15 days ] detailing the actions you will take to address these concerns and rectify the situation. If these issues are not resolved to my satisfaction, I will consider further steps, including contacting relevant regulatory bodies or seeking legal recourse. Thank you for your prompt attention to this matter. Sincerely, [ XXXX XXXX
| null |
Chime Financial Inc
|
TN
|
XXXXX
| null |
Consent provided
|
Web
|
2025-03-20
|
Closed with explanation
|
Yes
| null |
12589157
|
2025-01-07
|
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 |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
TX
|
75244
| null |
Consent not provided
|
Web
|
2025-01-07
|
Closed with explanation
|
Yes
| null |
11419606
|
2023-09-05
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
|
XX/XX/XXXX I was notified via my credit monitoring service that a Collections flag was added to my credit report for {$52.00}, added by CREDIT COLLECTION SERV, for debt purchased from XXXX XXXXXXXX XXXX.
XX/XX/XXXX Contacted CREDIT COLLECTION SERV about collection acct. # XXXX not belonging to me. Because MY personal information did not match theirs they would not assist in removing this accusation from my credit report, or provide any additional information about it. Instead required me to send my personal information, ( photo copy of my State ID, AND a copy of my credit report to them either by FAX or postal mail ( either could be intercepted by any number of " bad actors '' and subsequently used in identity theft ).
XX/XX/XXXX Contacted XXXX XXXX XXXX ( original creditor of the acct in question ) Who provided the original policy number and the name of the person to whom the debt belongs. XXXX also noted the account ( policy # XXXX ) with our discussion and verified the debt did not belong to me, and stated the collection service call them.
XX/XX/XXXX Contacted CREDIT COLLECTION SERV again with the new information obtained from XXXX, and requested they call XXXX to confirm. I was told this would not happen and again instructed to put my personal information in jeopardy by sending it to them. At this point I was getting angry, to me, the impression of their response was to NOT target the actual debt bearer, but to extort ME for MY personal information. At the time I stated, I would be contacting an attorney.
XX/XX/XXXX Opened a dispute for the collection through XXXX XX/XX/XXXX Opened a dispute for the collection through XXXX XX/XX/XXXX Opened a dispute for the collection through XXXX XX/XX/XXXX In lieu of contacting an attorney, I'm filing this complaint.
|
Company believes the complaint is the result of a misunderstanding
|
CCS Financial Services, Inc.
|
IA
|
52403
| null |
Consent provided
|
Web
|
2023-09-05
|
Closed with explanation
|
Yes
| null |
7501363
|
2023-10-31
|
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 | null |
EQUIFAX, INC.
|
TX
|
75154
| null |
Consent not provided
|
Web
|
2023-10-31
|
Closed with explanation
|
Yes
| null |
7778870
|
2023-03-01
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
IL
|
60426
| null |
Consent not provided
|
Web
|
2023-03-01
|
Closed with explanation
|
Yes
| null |
6635622
|
2024-06-30
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
Bread Financial Holdings, Inc.
|
FL
|
33013
| null |
Consent not provided
|
Web
|
2024-06-30
|
Closed with non-monetary relief
|
Yes
| null |
9390199
|
2025-06-29
|
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
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
| null |
EQUIFAX, INC.
|
LA
|
70601
| null |
Consent provided
|
Web
|
2025-06-29
|
Closed with non-monetary relief
|
Yes
| null |
14361883
|
2025-08-29
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
AZ
|
85379
| null | null |
Web
|
2025-08-29
|
In progress
|
Yes
| null |
15603829
|
2020-06-12
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Report provided to employer without your written authorization
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
CORELOGIC INC
|
LA
|
70072
| null |
Consent not provided
|
Web
|
2020-06-12
|
Closed with explanation
|
Yes
| null |
3695800
|
2018-11-15
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Difficulty submitting a dispute or getting information about a dispute over the phone
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
IL
|
60605
| null |
Consent not provided
|
Web
|
2018-11-15
|
Closed with explanation
|
Yes
| null |
3074866
|
2024-09-07
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Problem with personal statement of dispute
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
CITIBANK, N.A.
|
IL
|
60456
| null |
Consent not provided
|
Web
|
2024-09-07
|
Closed with non-monetary relief
|
Yes
| null |
10059526
|
2025-04-11
|
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
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CA
|
95060
| null |
Consent not provided
|
Web
|
2025-04-11
|
Closed with non-monetary relief
|
Yes
| null |
12942809
|
2024-04-28
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
EQUIFAX, INC.
|
IL
|
60443
| null |
Consent not provided
|
Web
|
2024-04-28
|
Closed with non-monetary relief
|
Yes
| null |
8873497
|
2021-10-07
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
Lending Club Corp
|
CA
|
91202
|
Older American
|
Other
|
Web
|
2021-10-07
|
Closed with explanation
|
Yes
| null |
4790040
|
2025-07-22
|
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.
|
CA
|
91206
| null |
Consent not provided
|
Web
|
2025-07-22
|
Closed with explanation
|
Yes
| null |
14796396
|
2025-04-24
|
Student loan
|
Federal student loan servicing
|
Dealing with your lender or servicer
|
Don't agree with the fees charged
| null | null |
Nelnet, Inc.
|
GA
|
30606
| null |
Consent not provided
|
Web
|
2025-04-24
|
Closed with explanation
|
Yes
| null |
13160031
|
2025-07-15
|
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.
|
NJ
|
07010
| null |
Consent not provided
|
Web
|
2025-07-15
|
Closed with non-monetary relief
|
Yes
| null |
14660782
|
2023-04-08
|
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
|
WELLS FARGO & COMPANY
|
MI
|
48642
| null |
Consent not provided
|
Web
|
2023-04-08
|
Closed with explanation
|
Yes
| null |
6813106
|
2025-06-21
|
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
|
WELLS FARGO & COMPANY
|
PA
|
19075
| null | null |
Referral
|
2025-06-23
|
Closed with explanation
|
Yes
| null |
14229886
|
2025-07-30
|
Debt collection
|
I do not know
|
Written notification about debt
|
Notification didn't disclose it was an attempt to collect a debt
| null | null |
EQUIFAX, INC.
|
MI
|
483XX
| null | null |
Web
|
2025-07-30
|
In progress
|
Yes
| null |
14986974
|
2024-10-15
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
| null | null |
EQUIFAX, INC.
|
NY
|
10705
| null |
Consent not provided
|
Web
|
2024-10-15
|
Closed with non-monetary relief
|
Yes
| null |
10456622
|
2024-03-13
|
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.
|
IL
|
60429
| null |
Consent not provided
|
Web
|
2024-03-13
|
Closed with explanation
|
Yes
| null |
8539936
|
2021-03-04
|
Checking or savings account
|
Checking account
|
Managing an account
|
Cashing a check
| null | null |
HUNTINGTON NATIONAL BANK, THE
|
OH
|
43223
| null | null |
Referral
|
2021-03-08
|
Closed with explanation
|
Yes
| null |
4192312
|
2025-09-14
|
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.
|
VA
|
23227
| null | null |
Web
|
2025-09-14
|
In progress
|
Yes
| null |
15924355
|
2023-10-24
|
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.
|
PA
|
19133
| null |
Consent not provided
|
Web
|
2023-10-24
|
Closed with explanation
|
Yes
| null |
7748677
|
2017-05-17
|
Money transfer, virtual currency, or money service
|
Foreign currency exchange
|
Unexpected or other fees
| null | null | null |
Deutsche Bank
|
NY
|
11375
| null | null |
Referral
|
2017-05-18
|
Closed with explanation
|
Yes
| null |
2487094
|
2024-09-18
|
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.
|
WA
|
99037
| null |
Consent not provided
|
Web
|
2024-09-18
|
Closed with explanation
|
Yes
| null |
10159197
|
2024-03-15
|
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.
|
IL
|
62864
| null |
Consent not provided
|
Web
|
2024-03-15
|
Closed with non-monetary relief
|
Yes
| null |
8556420
|
2018-02-23
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
|
" XXXX XXXX '' Date Opened : XX/XX/XXXX.Original Creditor : " XXXX ''. And " Merchants Adjustment Service '' Date Opened : in XX/XX/XXXX. I've Filed a FTC report of Identity Theft Report and sent it to all three bureaus. XXXX XXXX Or Merchants Adjustment Service Has not Validated This Acct with A signature or legal contract of acct being mine. XXXX XXXX has Deleted them items after my report and not validation. But XXXX said the acct will stay on record until XX/XX/XXXX. So I'm sending out another Validation Request and filing a complaint with the CFPB as well.
| null |
Merchants Adjustment Service, Inc.
|
FL
|
32504
| null |
Consent provided
|
Web
|
2018-03-01
|
Closed with explanation
|
Yes
| null |
2822407
|
2024-09-12
|
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
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
| null |
EQUIFAX, INC.
|
TX
|
79928
| null |
Consent provided
|
Web
|
2024-09-12
|
Closed with explanation
|
Yes
| null |
10106277
|
2025-07-10
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
CA
|
91766
| null |
Consent not provided
|
Web
|
2025-07-10
|
Closed with non-monetary relief
|
Yes
| null |
14564586
|
2025-07-30
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
GA
|
30047
| null | null |
Web
|
2025-07-30
|
In progress
|
Yes
| null |
14984238
|
2024-03-16
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
TX
|
77098
| null |
Consent not provided
|
Web
|
2024-03-16
|
Closed with explanation
|
Yes
| null |
8561982
|
2023-05-02
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
Delete hard inquiries
| null |
EQUIFAX, INC.
|
AL
|
36116
| null |
Consent provided
|
Web
|
2023-05-02
|
Closed with explanation
|
Yes
| null |
6917959
|
2023-06-09
|
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
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CA
|
95210
| null |
Consent not provided
|
Web
|
2023-06-09
|
Closed with non-monetary relief
|
Yes
| null |
7093544
|
2018-04-18
|
Debt collection
|
Other debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null |
Company believes it acted appropriately as authorized by contract or law
|
Westlake Services, LLC
|
IL
|
60649
| null | null |
Referral
|
2018-04-18
|
Closed with explanation
|
Yes
| null |
2879702
|
2024-04-10
|
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
|
48220
| null |
Other
|
Web
|
2024-04-10
|
Closed with non-monetary relief
|
Yes
| null |
8744722
|
2022-11-07
|
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
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
GA
|
30180
| null |
Consent not provided
|
Web
|
2022-11-07
|
Closed with non-monetary relief
|
Yes
| null |
6176298
|
2025-08-23
|
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.
|
GA
|
30213
| null | null |
Web
|
2025-08-23
|
In progress
|
Yes
| null |
15479868
|
2024-08-20
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Credit monitoring or identity theft protection services
|
Billing dispute for services
|
XXXX XXXX XXXX XXXX XXXX.
XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX Last 4 SSN : XXXX XXXX XXXX XXXX XXXX XXXX Pl, XXXX, SC XXXX Date : XX/XX/XXXX Dear XXXX XXXX XXXX, I am writing to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.
2. Date of Last Activity.
3. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.
4. Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor.
The obligation between your company XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company.
5. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt.
6. Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of a bad debt is not proprietary or burdensome.
7. Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. ) I must emphasize that, under FDCPA Section 809 ( b ), collection activity is prohibited until the debt is duly validated. The court ruling in XXXX XXXX XXXX XXXX ( No. XXXX XXXX, XXXX XXXX XXXX ) confirms that reporting a collection account constitutes collection activity. Please be aware that this is not a request for partial validation ; rather, it is a demand for all the listed information to constitute full and sufficient validation of this debt.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.
Sincerely, XXXX XXXX
| null |
EQUIFAX, INC.
|
OH
|
452XX
| null |
Consent provided
|
Web
|
2024-08-20
|
Closed with non-monetary relief
|
Yes
| null |
9847936
|
2025-01-27
|
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
|
am filing a complaint against TransUnion for failing to properly investigate disputes regarding inaccuracies on my credit report. Despite submitting multiple dispute requests, TransUnion consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This was highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against XXXX for similar violations XXXX I respectfully request that the CFPB take appropriate action to ensure that XXXX complies with federal law by conducting proper investigations and providing consumers with the necessary proof of such investigations. This is the account I've marked as inaccurate XXXX XXXX XXXX
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
770XX
| null |
Consent provided
|
Web
|
2025-01-27
|
Closed with explanation
|
Yes
| null |
11799518
|
2025-07-02
|
Money transfer, virtual currency, or money service
|
Virtual currency
|
Other transaction problem
| null |
XXXX facilitated a transfer of $ XXXX of funds to be used to buy XXXX crypto without my permission. An individual contacted the online chat of XXXX. XXXX did not ask for any type of Identification from the individual that had accessed the online XXXX chat. The individual convinced he online chat to transfer the $ XXXX early Sunday Morning. XXXX has debited the amount from my account. Then locked my account.
| null |
ROBINHOOD MARKETS INC.
|
ME
|
042XX
| null |
Consent provided
|
Web
|
2025-07-02
|
Closed with explanation
|
Yes
| null |
14407589
|
2025-01-18
|
Money transfer, virtual currency, or money service
|
Domestic (US) money transfer
|
Other transaction problem
| null |
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
| null |
Early Warning Services, LLC
|
MI
|
482XX
| null |
Consent provided
|
Web
|
2025-01-18
|
Closed with explanation
|
Yes
| null |
11653314
|
2022-09-30
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
FL
|
33015
| null |
Consent provided
|
Web
|
2022-09-30
|
Closed with explanation
|
Yes
| null |
6035530
|
2016-08-16
|
Consumer Loan
|
Vehicle loan
|
Shopping for a loan or lease
| null |
Describe what happened so we can understand the issue ...
I did not give verbal and/or written permission for CAPITAL ONE AUTO FINANCE to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
| null |
CAPITAL ONE FINANCIAL CORPORATION
|
CA
|
XXXXX
| null |
Consent provided
|
Web
|
2016-08-18
|
Closed with explanation
|
Yes
|
No
|
2066990
|
2024-11-15
|
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
|
33139
| null |
Consent not provided
|
Web
|
2024-11-15
|
Closed with explanation
|
Yes
| null |
10793845
|
2024-12-16
|
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.
|
MI
|
48342
| null |
Consent not provided
|
Web
|
2024-12-16
|
Closed with explanation
|
Yes
| null |
11167601
|
2025-04-10
|
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.
|
CA
|
93105
| null |
Consent not provided
|
Web
|
2025-04-10
|
Closed with non-monetary relief
|
Yes
| null |
12916389
|
2025-01-08
|
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.
|
AL
|
36117
| null |
Consent not provided
|
Web
|
2025-01-08
|
Closed with explanation
|
Yes
| null |
11436902
|
2025-06-25
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
PA
|
19121
| null |
Consent provided
|
Web
|
2025-06-25
|
Closed with non-monetary relief
|
Yes
| null |
14284549
|
2019-11-05
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
Preferd CR # XXXX is reporting a charge off collection to my credit that is past the Colorado statute. I no longer legally owe this debt and I would like the account to be removed off my credit.
| null |
PREFERRED CREDIT INC
|
TX
|
79932
|
Servicemember
|
Consent provided
|
Web
|
2019-11-05
|
Closed with explanation
|
Yes
| null |
3429725
|
2020-01-28
|
Student loan
|
Federal student loan servicing
|
Dealing with your lender or servicer
|
Trouble with how payments are being handled
|
Hi I started working for the XXXX XX/XX/XXXX. I decided to apply for Public Loan Service Forgiveness ( my previous employer also qualified ). I submitted the application in XXXX and it took months to get switched over to Fed Loan Servicing ( my previous servicer was XXXX XXXX ). I applied for an Income Driven Repayment plan on XX/XX/XXXX. I have attached the confirmation e-mail here. It originally said online I would hear something by XX/XX/XXXX which did not happen. I called at the beginning of XXXX and they said it takes a long time the first time. They allowed me to pay {$20.00} for the month of XXXX which I agreed because my payments would not count towards PSLF unless I am on an IDR plan. I logged on yesterday and it now says I am on a standard repayment plan and owe over {$2000.00} in XXXX. My IDR application still just said " received ''. I submitted a new application XX/XX/XXXX. However, now when I log in I can only see the new application and not the original. I can not afford to be on a standard repayment plan. I applied for IDR XX/XX/XXXX and when I called they could not explain what the delay was. These are also months where my payments could qualify towards my 120 payments but they will not qualify because Fed Loan Servicing will not process my IDR request
| null |
AES/PHEAA
|
MD
|
20902
| null |
Consent provided
|
Web
|
2020-01-28
|
Closed with explanation
|
Yes
| null |
3511465
|
2024-01-08
|
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.
|
FL
|
32164
| null |
Other
|
Web
|
2024-01-08
|
Closed with non-monetary relief
|
Yes
| null |
8122944
|
2023-12-06
|
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.
|
AL
|
35564
| null |
Consent not provided
|
Web
|
2023-12-06
|
Closed with non-monetary relief
|
Yes
| null |
7956773
|
2021-12-13
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Investigation took more than 30 days
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX & {$16000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
| null |
EQUIFAX, INC.
|
CA
|
90026
| null |
Consent provided
|
Web
|
2021-12-13
|
Closed with explanation
|
Yes
| null |
5004646
|
2025-03-06
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
AZ
|
85345
| null |
Consent not provided
|
Web
|
2025-03-06
|
Closed with non-monetary relief
|
Yes
| null |
12340103
|
2018-05-18
|
Money transfer, virtual currency, or money service
|
Domestic (US) money transfer
|
Other transaction problem
| null |
The company attempted to make an unauthorized withdrawal of {$1000.00} from my bank account. I did not initiate/request/authorize this in any way, and once I found out about it, I had to hurriedly contact my bank to execute a Stop-Payment on this transaction attempt, which involved a {$20.00} fee. At the very least, this company should reimburse me for that fee. And I want this incident to go " on record '' so that if there becomes a pattern of them doing this to people, they can be penalized accordingly.
|
Company disputes the facts presented in the complaint
|
Groundfloor Finance Inc.
|
CA
|
92116
| null |
Consent provided
|
Web
|
2018-06-25
|
Closed with explanation
|
Yes
| null |
2911575
|
2024-02-07
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
EQUIFAX, INC.
|
CT
|
06705
| null |
Consent not provided
|
Web
|
2024-02-07
|
Closed with non-monetary relief
|
Yes
| null |
8297575
|
2023-05-22
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Was not notified of investigation status or results
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
GA
|
30101
| null |
Consent not provided
|
Web
|
2023-05-22
|
Closed with explanation
|
Yes
| null |
7011593
|
2025-02-09
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
IL
|
60422
| null |
Consent not provided
|
Web
|
2025-02-09
|
Closed with non-monetary relief
|
Yes
| null |
12009762
|
2020-04-11
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I have been a victim of identity fraud and I'm demanding that the 3 major credit reporting agencies remove the following accounts inwhich I did not authorize both individual and authorized user accounts. In the past i have requested a Method of Verification, physical documentation of the alleged accounts. I'm re requesting that same information, if not then the following accounts shall be blocked and removed immediately from my credit file.
1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MO
|
63109
| null |
Consent provided
|
Web
|
2020-04-11
|
Closed with explanation
|
Yes
| null |
3602653
|
2025-06-12
|
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.
|
CA
|
92069
| null |
Consent not provided
|
Web
|
2025-06-12
|
Closed with non-monetary relief
|
Yes
| null |
14043810
|
2024-08-28
|
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.
|
TX
|
77316
| null |
Consent not provided
|
Web
|
2024-08-28
|
Closed with non-monetary relief
|
Yes
| null |
9945732
|
2024-12-09
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
There has been fraudulent accounts made on my consumer report, I have no business with these companies mentioned on the attached document, also the address and phone numbers on my consumer report are inaccurate as well
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
IL
|
60649
| null |
Consent provided
|
Web
|
2024-12-09
|
Closed with explanation
|
Yes
| null |
11088157
|
2025-02-01
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
MA
|
01610
| null |
Consent not provided
|
Web
|
2025-02-01
|
Closed with non-monetary relief
|
Yes
| null |
11884128
|
2024-07-25
|
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.
|
DC
|
20016
|
Servicemember
|
Consent not provided
|
Web
|
2024-07-25
|
Closed with non-monetary relief
|
Yes
| null |
9615247
|
2023-09-27
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
IL
|
60649
| null |
Consent provided
|
Web
|
2023-09-27
|
Closed with non-monetary relief
|
Yes
| null |
7614838
|
2025-05-01
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
GA
|
30122
| null |
Consent not provided
|
Web
|
2025-05-01
|
Closed with non-monetary relief
|
Yes
| null |
13279086
|
2024-10-09
|
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
|
In response to the documentation you provided regarding the alleged debt owed to XXXX XXXX XXXX XXXX.
. While I appreciate your response, the documentation you submitted does not verify the debt as required under the Fair Credit Reporting Act ( FCRA ). I am requesting further verification or immediate removal of this account from my credit report if such proof can not be provided.
After reviewing the documents sent to me from you all, this information does not satisfy the requirements to verify the debt under the FCRA Section 611a.
The specific information needs to be provided : : 1. The lease agreement provided is incomplete. Please provide a FULL and SIGNED lease agreement that includes the full terms and my signature.
2. The photos and charges do not definitively show my responsibility for this debt, and further clarification is needed to show that the charges were properly applied.
3. The ID provided is not my name, which raises concerns about the accuracy of this information and whether it is connected to this alleged debt.
Under the FCRA, you are required to provide COMPLETE documentation proving that I am indeed responsible for this debt. If you can not supply full proof of this debt ( including a signed lease agreement, full documentation of charges, and proper identification ), I demand that you immediately cease all collection activity and remove this account from my credit report.
I have also filed complaints with the Federal Trade Commission ( FTC ) and XXXX XXXX XXXX XXXX XXXX XXXX regarding this matter. If this dispute is not resolved. I am prepared to take further legal action to protect my rights under the FCRA and any applicable consumer protection laws.
I expect to hear from you with confirmation that the debt has been removed or a COMPLETED and thorough verification of the debt.
Thank you for your prompt attention to this matter.
| null |
EQUIFAX, INC.
|
NC
|
28210
| null |
Consent provided
|
Web
|
2024-10-09
|
Closed with explanation
|
Yes
| null |
10401916
|
2021-10-10
|
Debt collection
|
Medical debt
|
Attempts to collect debt not owed
|
Debt was paid
| null |
Company believes it acted appropriately as authorized by contract or law
|
AmeriCollect
|
NJ
|
08527
| null |
Other
|
Web
|
2021-10-10
|
Closed with explanation
|
Yes
| null |
4795270
|
2023-02-27
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null | null |
DISCOVER BANK
|
HI
|
96750
| null |
Consent not provided
|
Web
|
2023-02-27
|
Closed with explanation
|
Yes
| null |
6619522
|
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