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
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2025-05-07
|
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
|
33301
| null |
Consent not provided
|
Web
|
2025-05-07
|
Closed with explanation
|
Yes
| null |
13379227
|
2025-03-18
|
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
|
77373
| null |
Consent not provided
|
Web
|
2025-03-18
|
Closed with explanation
|
Yes
| null |
12545377
|
2020-11-08
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
I applied for a loan but never took the money. I closed the account the same day i applied.
The company has listed the account ( about 2 years later ) as delinquent on my credit report.
I have already disputed the account with CFPB once and they acknowledged the mistake.
Since then the account was added again to my credit report as open with a delinquent balance.
Previous compaint number with CFPB XXXX
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
GA
|
30084
| null |
Consent provided
|
Web
|
2020-11-08
|
Closed with explanation
|
Yes
| null |
3943188
|
2025-08-29
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
Experian Information Solutions Inc.
|
TX
|
77075
| null | null |
Web
|
2025-08-29
|
In progress
|
Yes
| null |
15603856
|
2024-04-05
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Was not notified of investigation status or results
| null | null |
EQUIFAX, INC.
|
MA
|
02451
| null |
Consent not provided
|
Web
|
2024-04-05
|
Closed with non-monetary relief
|
Yes
| null |
8705045
|
2024-10-14
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Personal information incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CA
|
91335
| null |
Consent not provided
|
Web
|
2024-10-14
|
Closed with non-monetary relief
|
Yes
| null |
10441951
|
2024-09-12
|
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.
|
NY
|
10452
| null |
Consent not provided
|
Web
|
2024-09-12
|
Closed with explanation
|
Yes
| null |
10100059
|
2022-10-17
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.
Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).
Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or repaired immediately.
Capital XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} I was never late on this acct. It was paid in full... Creditor agreed to remove all negativity. Please review file for all inaccuracies. Please verify it is not untimely, inaccurate, unverifiable or incomplete. Please remove negativity ASAP.
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} I was never late... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} I was never late... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} I was never late... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} I was never late... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} I was never late... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
| null |
EQUIFAX, INC.
|
CA
|
90027
| null |
Consent provided
|
Web
|
2022-10-17
|
Closed with explanation
|
Yes
| null |
6091740
|
2025-04-23
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
NC
|
XXXXX
| null |
Consent provided
|
Web
|
2025-04-23
|
Closed with explanation
|
Yes
| null |
13128896
|
2024-11-13
|
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.
|
MS
|
39120
| null |
Consent not provided
|
Web
|
2024-11-13
|
Closed with non-monetary relief
|
Yes
| null |
10778485
|
2024-05-15
|
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 |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
AR
|
72335
| null |
Consent not provided
|
Web
|
2024-05-15
|
Closed with explanation
|
Yes
| null |
9017504
|
2023-03-06
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
I have a XXXX XXXX loan from XXXX XXXX XXXX XXXX ( Account XXXX XXXX ), which was serviced by XXXX ( XXXX XXXX account is- XXXX XXXX XXXX XXXX XXXX XXXX In my Federal Student Account the XXXX loan is showing a balance of {$270.00} which is currently being reported incorrectly. The balance of the loan is actually {$0.00} and was paid off in XXXX. The loan is also being reported incorrectly to credit agencies, as a balance of {$270.00} when it should be reported with {$0.00} balance and paid. Please see the payoff letter from the XXXX XXXX XXXX below.
I have contacted the servicer ( XXXX ) multiple times and asked them report this XXXX as paid in full and owing {$0.00}. This XXXX XXXX has been paid off since XXXX and XXXX has incorrectly been reporting a balance owed from XXXXto present day XXXX
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NC
|
XXXXX
| null |
Consent provided
|
Web
|
2023-03-06
|
Closed with explanation
|
Yes
| null |
6656581
|
2025-06-24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
My ex-husband we have now been divorced for XXXX year and separated for XXXX years. We were married for XXXX I left with nothing. We owned a XXXX together with XXXX different locations in XXXX XXXX During our marriage, he kept a lot of secrets. He was opening up fraudulent accounts with my Social Security number and maxed out all of these credit cards and once we got divorced, he stuck me with all of the debt. I have been to XXXX XXXX XXXX mom for XXXX years raising our XXXX young daughters that are currently XXXX years old and XXXX years old. It was a very XXXX XXXX marriage and now since we are divorced, I signed everything over. I left with XXXX assets and I am now having to pay tax debt as well over {$10000.00} and {$180000.00} of credit card debt. I am not responsible for any of those credit cards. I had no idea that he had open them in my name and was using them to pay for his properties that I had no idea about. He has my Social Security card and will not give it back and he is still currently using my Social Security number to hurt me and my only benefits. I have to take care of my children that we share custody of. This has caused me great emotional pain and trauma due to the fact I have never been late on any small bill. Ive been a XXXX for over XXXX years keeping my license up-to-date and now I am just trying to get back on my feet, but he has destroyed my credit. I had a very bad attorney and was very scared that he would take my children away from me and he has taken action as well, so I have not been able to access any money whatsoever when we were still married to get a good attorney, so he won and ended up getting everything he wanted telling me we would settle out of court, which was not the truth. I am still permanently trying to get my credit score back up, and I have no idea how I am still dealing with these credit cards that I had no knowledge about to begin with that. He opened fraudulently in my name while we were married. I dont have any assets as I stated I walked away with nothing and he owns about XXXX different rental properties equaling XXXX to XXXX units that you collect rent on monthly. Those properties are up in XXXX XXXX and the house here in XXXX that we own together I also had to sign over to him in the divorce because I was afraid of the manipulation that he had done to me calling the police on me and making false accusations has really Hurt my well-being and my daughters. They are traumatized by his actions. I do not own any of our properties anymore. I signed over the trust and all of the assets that I had when we were married. And now I am stuck with all this dead in my name and he would do the credit line increase and then balance transfer out and I do believe he had things in the XXXX that he owns XXXX XXXX XXXX his name is XXXX XXXX XXXX. Please I just want to clear my name and get back on my feet as a single parent and show my daughters that being independent and not being abused by another person is not how things are supposed to go. I am a good woman and a great mother. I am just trying to keep him away from me and it is very difficult because if I get a restraining order then he will retaliate and this is where Im at right now just trying to do the right things, but also not upsetting. My ex is very highly legally backed in this city of XXXX XXXX. Please help.
| null |
GOLDMAN SACHS BANK USA
|
FL
|
341XX
| null |
Consent provided
|
Web
|
2025-06-30
|
Closed with non-monetary relief
|
Yes
| null |
14247474
|
2021-05-29
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$3000.00}, {$2800.00}, {$0.00}, {$0.00}.
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
| null |
EQUIFAX, INC.
|
CA
|
90005
| null |
Consent provided
|
Web
|
2021-05-29
|
Closed with explanation
|
Yes
| null |
4416401
|
2025-02-18
|
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
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CA
|
90026
| null |
Consent not provided
|
Web
|
2025-02-24
|
Closed with non-monetary relief
|
Yes
| null |
12123481
|
2021-01-28
|
Credit card or prepaid card
|
General-purpose credit card or charge card
|
Problem with a purchase shown on your statement
|
Card was charged for something you did not purchase with the card
|
I was scammed out of close to {$25000.00} of money on three accounts, including my Chase Freedom Card. Chase originally reversed these charged and the money was taken off my account. However, they have now put on some charges that are still incorrect and are denying my claim to have them reversed again. I have a police report stating that my card was comprised/stolen and these charges need to be reversed.
| null |
JPMORGAN CHASE & CO.
|
NY
|
10471
| null |
Consent provided
|
Web
|
2021-01-28
|
Closed with explanation
|
Yes
| null |
4101349
|
2025-03-15
|
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
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
77388
| null |
Consent not provided
|
Web
|
2025-03-15
|
Closed with non-monetary relief
|
Yes
| null |
12478934
|
2024-04-05
|
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
|
Experian Information Solutions Inc.
|
FL
|
33602
| null |
Consent not provided
|
Web
|
2024-04-05
|
Closed with explanation
|
Yes
| null |
8706540
|
2024-04-25
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null | null |
EQUIFAX, INC.
|
IL
|
60647
| null |
Consent not provided
|
Web
|
2024-04-25
|
Closed with explanation
|
Yes
| null |
8857477
|
2023-02-05
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
You recently stated you did an investigation on information being accurate and just updated the information, but my dispute was about the UNLAWFUL VIOLATIONS THAT HAVE BEEN ALLOWED ON MY CREDIT! This is my last attempt before moving forward with my attorney on filing suit. This is to report the inaccuracies and violations that are on my report, which are grounds for IMMEDIATE DELETION!
FINWISE OPPLOANS XXXX ) it is AGAINST THE LAW TO REPORT A CHARGE OFF MONTHLY VIOLATION OF 623-15 U.S.C 1681s-2 Duty to provide notice of delinquency of accounts ( No later than 90 days After the furnishing information, notify the agency of the date of delinquency on the account the month in the year.
XXXX ) the IRS CONSIDERS a Charge off as GROSS OR ORDINARY INCOME, So why is this on the credit report? I have not received a 1099C.? Violation of 15 USC 1681 ACCURACY AND FAIRNESS 3 ) This company has failed To protect my information VIOLATION 15 USC 6801 PROTECTION OF NONPUBLIC INFORMATION 4 ) They are also reporting a past due amount that is higher than the highest balance that is also an accurate reporting, which is also a violation because according to the FCRA everything report, it needs to be 100 % accurate Which are also grounds for dilation 5 ) Another violation is this company is showing that payments were made and then theyre stating that no payments were made and that I owe the full amount of 1756 how is that so if payments were made? They are not reporting correct payments, that is also Not fair and in accurate, Which are also grounds for a deletion 6 ) VIOLATION OF 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLOSE PERSONAL INFORMATION, Which means in accuracy is also grounds for deletion 7 ) also, how can this information be accurately verified when my name is incorrectly spelled in the wrong address is on file, and Ive called on multiple occasions, trying to correct this. Ive also while mailing disputes have sent copies of my drivers license my name should B displayed on my credit report as it is on my drivers license not using a middle initial that is not my name my mother and I have the Exact same first name and if youre using a middle initial, we have the exact same middle initial so our information has been messed up in the past. This is also an accurate reporting.
| null |
EQUIFAX, INC.
|
FL
|
34638
| null |
Consent provided
|
Web
|
2023-02-05
|
Closed with explanation
|
Yes
| null |
6523008
|
2020-11-19
|
Checking or savings account
|
Savings account
|
Managing an account
|
Banking errors
| null | null |
JPMORGAN CHASE & CO.
|
FL
|
34285
|
Older American
| null |
Referral
|
2020-11-20
|
Closed with explanation
|
Yes
| null |
3966341
|
2024-08-06
|
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.
|
RI
|
02816
| null |
Consent not provided
|
Web
|
2024-08-06
|
Closed with explanation
|
Yes
| null |
9725461
|
2015-09-29
|
Mortgage
|
Conventional fixed mortgage
|
Loan modification,collection,foreclosure
| null | null |
Company chooses not to provide a public response
|
U.S. BANCORP
|
SC
|
29607
| null |
Other
|
Web
|
2015-09-29
|
Closed with non-monetary relief
|
Yes
|
No
|
1584048
|
2025-04-04
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I recently submitted a dispute because I am very concerned about an account on my credit report that still seems inaccurate and incomplete. Its clear that a thorough investigation wasnt done, and the incorrect information remains. This situation has been extremely stressful, leaving me feeling frustrated and helpless.
Please, I need your helpI dont know what else to do, and its taking a serious toll on my life. Also, I want to make it absolutely clear that I am personally submitting this dispute, not a third party.
| null |
EQUIFAX, INC.
|
TX
|
77469
| null |
Consent provided
|
Web
|
2025-04-04
|
Closed with non-monetary relief
|
Yes
| null |
12821059
|
2013-04-23
|
Mortgage
|
Other mortgage
|
Loan modification,collection,foreclosure
| null | null | null |
CITIBANK, N.A.
|
GA
|
30102
| null | null |
Referral
|
2013-04-23
|
Closed with explanation
|
Yes
|
No
|
389078
|
2023-04-10
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Their investigation did not fix an error on your report
| null | null |
EQUIFAX, INC.
|
AL
|
36116
| null |
Consent not provided
|
Web
|
2023-04-10
|
Closed with explanation
|
Yes
| null |
6816903
|
2025-03-23
|
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 |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
TX
|
75189
| null |
Consent not provided
|
Web
|
2025-03-23
|
Closed with explanation
|
Yes
| null |
12614954
|
2025-06-06
|
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
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
PA
|
19132
| null |
Consent not provided
|
Web
|
2025-06-06
|
Closed with explanation
|
Yes
| null |
13908902
|
2024-05-09
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
|
An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
My husband passed away on XX/XX/2022. The home we shared was granted to me through probate court, however Fay Servicing , LLC is refusing to speak to me about anything having to do with the loan. My attorney sent an email stating they are required to speak to me. As of today 's date they are still refusing to speak to me until their own legal team investigates and my house has a default date of XX/XX/2022. I have been at this company 's mercy for the last XXXX months while they keep asking for more information or to prove my relationship which I have done via a common law marriage certificate and his death certificate. I'm at a loss on what to do. Please help!
| null |
Fay Servicing, LLC
|
GA
|
300XX
| null |
Consent provided
|
Web
|
2024-05-09
|
Closed with explanation
|
Yes
| null |
8956566
|
2020-08-10
|
Debt collection
|
Other debt
|
Written notification about debt
|
Didn't receive notice of right to dispute
| null | null |
Capstone Credit & Collection, LLC.
|
FL
|
33542
|
Older American
| null |
Phone
|
2020-08-18
|
Closed with explanation
|
Yes
| null |
3787440
|
2022-02-14
|
Checking or savings account
|
Checking account
|
Managing an account
|
Funds not handled or disbursed as instructed
|
I was instructed to open a bank account to access my funds. I did as instructed and Key Bank refused to issue my funds. I have also had the same issue with other banks that i have accounts with. XXXX XXXX, Bank XXXX XXXX, XXXX, XXXX, and Key Bank. They claim that the bank is the XXXX.
| null |
KEYCORP
|
WA
|
98499
| null |
Consent provided
|
Web
|
2022-02-14
|
Closed with explanation
|
Yes
| null |
5221420
|
2025-07-11
|
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.
|
TX
|
77303
| null |
Consent not provided
|
Web
|
2025-07-11
|
Closed with non-monetary relief
|
Yes
| null |
14588733
|
2025-04-09
|
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
|
20018
| null |
Consent not provided
|
Web
|
2025-04-09
|
Closed with non-monetary relief
|
Yes
| null |
12897758
|
2025-05-29
|
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
|
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXX XXXX * * * * * * Balance : {$2300.00} XXXX XXXX XXXX * * * * * * Balance : {$170.00} XXXX XXXX * * * * * * * * * * * * * * * * * Balance : {$28000.00}
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
32810
| null |
Consent provided
|
Web
|
2025-05-29
|
Closed with non-monetary relief
|
Yes
| null |
13793027
|
2014-11-26
|
Mortgage
|
Conventional fixed mortgage
|
Loan modification,collection,foreclosure
| null | null | null |
NATIONSTAR MORTGAGE LLC
|
WA
|
98409
|
Older American
| null |
Web
|
2014-11-26
|
Closed with explanation
|
Yes
|
No
|
1133998
|
2021-04-13
|
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
| null | null |
EQUIFAX, INC.
|
TN
|
37209
| null |
Consent not provided
|
Web
|
2021-04-13
|
Closed with explanation
|
Yes
| null |
4295847
|
2020-03-30
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
RUSHMORE LOAN MANAGEMENT SERVICES LLC
|
WI
|
53214
| null | null |
Phone
|
2020-03-30
|
Closed with explanation
|
Yes
| null |
3586298
|
2019-08-21
|
Checking or savings account
|
Checking account
|
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
|
WELLS FARGO & COMPANY
|
CO
|
80304
| null | null |
Referral
|
2019-08-22
|
Closed with explanation
|
Yes
| null |
3351178
|
2022-04-22
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
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.
|
TN
|
37207
| null |
Consent not provided
|
Web
|
2022-04-22
|
Closed with non-monetary relief
|
Yes
| null |
5483435
|
2020-11-10
|
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.
|
TX
|
75063
| null |
Other
|
Web
|
2020-11-10
|
Closed with explanation
|
Yes
| null |
3945655
|
2023-06-07
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Was not notified of investigation status or results
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
MO
|
631XX
| null |
Other
|
Web
|
2023-06-07
|
Closed with explanation
|
Yes
| null |
7084689
|
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 |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
GA
|
30215
| null | null |
Web
|
2025-08-05
|
In progress
|
Yes
| null |
15085879
|
2025-08-01
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Public record information inaccurate
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
33331
| null | null |
Web
|
2025-08-01
|
In progress
|
Yes
| null |
15041781
|
2025-05-03
|
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
|
33179
| null |
Consent not provided
|
Web
|
2025-05-03
|
Closed with explanation
|
Yes
| null |
13314840
|
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 |
EQUIFAX, INC.
|
SC
|
29732
| null | null |
Web
|
2025-08-21
|
In progress
|
Yes
| null |
15443840
|
2022-12-22
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
EQUIFAX, INC.
|
WA
|
98057
| null |
Consent not provided
|
Web
|
2022-12-22
|
Closed with explanation
|
Yes
| null |
6347390
|
2018-02-26
|
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
|
Dont reganized inquiries
| null |
Risecredit, LLC
|
CA
|
93422
| null |
Consent provided
|
Web
|
2018-02-26
|
Closed with explanation
|
Yes
| null |
2825792
|
2025-08-27
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
Experian Information Solutions Inc.
|
CA
|
XXXXX
| null | null |
Web
|
2025-08-27
|
In progress
|
Yes
| null |
15558156
|
2023-06-20
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
CA
|
92629
| null |
Consent provided
|
Web
|
2023-06-20
|
Closed with explanation
|
Yes
| null |
7140893
|
2025-08-23
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MO
|
63137
| null | null |
Web
|
2025-08-23
|
In progress
|
Yes
| null |
15477605
|
2025-07-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
Southern Management Systems Inc.
|
TX
|
76201
| null |
Consent not provided
|
Web
|
2025-07-17
|
Closed with explanation
|
Yes
| null |
14698607
|
2025-07-28
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
VA
|
23831
| null | null |
Web
|
2025-07-28
|
In progress
|
Yes
| null |
14919746
|
2022-09-29
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
This account is not mine but is reflecting on my credit reports.
XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/2019 Amount : {$32000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
33183
| null |
Consent provided
|
Web
|
2022-09-29
|
Closed with non-monetary relief
|
Yes
| null |
6030209
|
2022-01-03
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
I have sent letters and affidavits to all 3 credit bureaus XXXX, XXXX, and Experian all for the violation of 15 USC 1681b ; furnishing a consumer report without consent of consumer. I have sent supporting documents of these US code that is backed by the supreme court which has authority over any state. Each of these bureaus have failed to acknowledge my request to remove accounts from my credit report. I am requesting that something is done about the actions I have taken to handle these matters
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
FL
|
33147
| null |
Consent provided
|
Web
|
2022-01-03
|
Closed with explanation
|
Yes
| null |
5060639
|
2020-11-12
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
I send an accuracy investigation letter to all 3 credit bureaus last month for an account that shows up on my credit report for XXXX Account # : XXXX XXXX quickly deleted this account as they can not validate this debt. the other 2 bureaus have left it on..I have done research and if it is deleted by one it should be deleted by all 3 bureaus as they should communicate this information amongst each other ... ..If XXXX could not validate this debt and removed it the other 2 bureaus can not either and this needs to be deleted by transunion and XXXX immediately.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NY
|
10462
| null |
Consent provided
|
Web
|
2020-11-12
|
Closed with explanation
|
Yes
| null |
3949969
|
2018-06-26
|
Credit card or prepaid card
|
General-purpose credit card or charge card
|
Problem with a purchase shown on your statement
|
Card was charged for something you did not purchase with the card
| null | null |
TD BANK US HOLDING COMPANY
|
FL
|
33029
| null | null |
Postal mail
|
2018-06-26
|
Closed with explanation
|
Yes
| null |
2947001
|
2021-12-14
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
TSC Accounts Receivable Solutions
|
CA
|
92009
| null |
Consent not provided
|
Web
|
2021-12-14
|
Closed with explanation
|
Yes
| null |
5005301
|
2024-09-12
|
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.
|
FL
|
33068
| null |
Consent not provided
|
Web
|
2024-09-12
|
Closed with non-monetary relief
|
Yes
| null |
10099624
|
2024-12-14
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
ON XX/XX/year> MY ACCOUNT WITH XXXX XXXX OF {$1400.00} PAYMENT STATUS WAS CHARGED OFF AS BAD DEBT, HOWEVER THIS IS ACTUALLY CONSIDERED INCOME BECAUSE I SHOULD HAVE RECEIVED A 1099 C IN ORDER TO ACCOUNT FOR THIS AS INCOME. THIS IS NOT A CHARGE OFF AND I'M REQUESTING THAT THIS IS REMOVED BECAUSE IT IS NOT DEBT. THIS IS CONSIDERED INCOME AND INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
BARCLAYS BANK DELAWARE
|
TX
|
779XX
| null |
Consent provided
|
Web
|
2025-01-03
|
Closed with explanation
|
Yes
| null |
11155385
|
2025-02-18
|
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.
|
FL
|
33406
| null |
Consent not provided
|
Web
|
2025-02-25
|
Closed with explanation
|
Yes
| null |
12117924
|
2025-01-29
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null | null |
EQUIFAX, INC.
|
TX
|
76543
| null |
Consent not provided
|
Web
|
2025-01-29
|
Closed with explanation
|
Yes
| null |
11821146
|
2024-10-30
|
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.
|
NC
|
28303
| null |
Consent not provided
|
Web
|
2024-10-30
|
Closed with explanation
|
Yes
| null |
10622543
|
2024-12-25
|
Checking or savings account
|
Checking account
|
Closing an account
|
Funds not received from closed account
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
CITIBANK, N.A.
|
TX
|
76227
| null |
Consent not provided
|
Web
|
2024-12-26
|
Closed with monetary relief
|
Yes
| null |
11260117
|
2019-04-12
|
Checking or savings account
|
Savings account
|
Opening an account
|
Unable to open an account
| null | null |
GOLDMAN SACHS BANK USA
|
FL
|
34639
| null |
Consent not provided
|
Web
|
2019-04-12
|
Closed with explanation
|
Yes
| null |
3210885
|
2023-05-19
|
Checking or savings account
|
Checking account
|
Problem with a lender or other company charging your account
|
Transaction was not authorized
|
I did not authorize Fifth Third Bank to withdraw any funds. I submit a one time payment each and every month on the first of {$530.00}. Fifth Third, without my authorization, withdrew {$900.00} on XX/XX/2022, XX/XX/2022, and on XX/XX/2022. When I returned to the country and discovered the withdrawals, I notified Fifth Third and they admitted the error and on XX/XX/2022, they credited {$900.00} from the erroneous XX/XX/2022 charge.
Fifth Third did not have any authority to withdrawal any funds from my account and did so without my consent or authorization. There are still two payments of {$900.00} that has not been returned.
I did not authorize these withdrawals which has resulted in a financial distress situation.
| null |
FIFTH THIRD FINANCIAL CORPORATION
|
MI
|
48042
|
Servicemember
|
Consent provided
|
Web
|
2023-05-19
|
Closed with explanation
|
Yes
| null |
6999303
|
2025-07-23
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.
I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.
I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.
This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
33177
| null |
Consent provided
|
Web
|
2025-07-23
|
Closed with explanation
|
Yes
| null |
14817792
|
2018-04-19
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
| null | null |
EQUIFAX, INC.
|
CA
|
91911
| null | null |
Postal mail
|
2018-04-19
|
Closed with explanation
|
Yes
| null |
2881064
|
2024-07-11
|
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.
|
CA
|
90036
| null |
Consent not provided
|
Web
|
2024-07-11
|
Closed with non-monetary relief
|
Yes
| null |
9473617
|
2025-05-24
|
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.
|
CA
|
91387
| null |
Consent not provided
|
Web
|
2025-05-24
|
Closed with explanation
|
Yes
| null |
13694677
|
2024-06-10
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
IL
|
60188
| null |
Consent not provided
|
Web
|
2024-06-10
|
Closed with non-monetary relief
|
Yes
| null |
9218847
|
2023-01-03
|
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.
|
GA
|
30281
| null |
Consent not provided
|
Web
|
2023-01-03
|
Closed with non-monetary relief
|
Yes
| null |
6392678
|
2023-04-17
|
Credit card or prepaid card
|
General-purpose credit card or charge card
|
Problem with a purchase shown on your statement
|
Credit card company isn't resolving a dispute about a purchase on your statement
|
Case Nos : XXXX & XXXX CapitalOne, XXXX 's took over the XXXX 's program from XXXX XXXX XXXX in XXXX of this year. I had filed a dispute with the latter on XX/XX/2022 as well as a complaint with the XXXX. I had written many letters to XXXX XXXX and they never investigated or resolved the dispute in 5 months. Instead they transferred everything to CapitalOne. Now comes CapitalOne and it is asking me to pay for the never investigated or resolved disputed amounts of {$2300.00} & {$2100.00} to merchant XXXX XXXX for services not rendered. CapitalOne insists on initiating a new dispute which should not be. According to federal law a financial institution has 90 days to respond to a dispute and if the merchant is contacted and never responds it forfeits the amounts disputed. As XXXX XXXX XXXX never investigated, or if they did, the merchant did not respond thus canceling the transaction outright. I have asked CapitalOne to obtain all documentation from XXXX XXXX to be able to determine what they did or did not do thus allowing us to solve this old dispute once and for all. They have failed, refused or neglected to do so and now insists I must pay. They have also billed my account for the outstanding amounts which, by the way, XXXX XXXX never even issued temporary credit as required by law. Since CapitalOne acquired all rights to the XXXX 's credit card program they should honor my original dispute and either charge back XXXX XXXX or demand they turn over any and all documents they possess having to do with my original dispute of XX/XX/2022. CapitalOne has been provided with my many certified, return receipt letters to XXXX XXXX and yet, instead of accepting the original dispute they wish to proceed with a new one and refuse to get back to XXXX XXXX for all proper documents pertaining to their investigation of lack thereof. Since XXXX XXXX has not sent anything to CapitalOne and never bothered to even investigate or give me a definitive answer, CapitalOne should issue temporary credit and deal with XXXX XXXX instead of expecting me to take up the matter myself. This is not proper banking practices as they just want to drop the dispute on my lap and not do their due diligence themselves.
| null |
CAPITAL ONE FINANCIAL CORPORATION
|
FL
|
XXXXX
|
Older American
|
Consent provided
|
Web
|
2023-05-02
|
Closed with explanation
|
Yes
| null |
6852544
|
2024-05-29
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Was not notified of investigation status or results
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NY
|
11233
| null |
Consent not provided
|
Web
|
2024-05-29
|
Closed with non-monetary relief
|
Yes
| null |
9121135
|
2025-08-18
|
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
|
CITIBANK, N.A.
|
CA
|
91748
| null |
Consent not provided
|
Web
|
2025-08-18
|
Closed with explanation
|
Yes
| null |
15335349
|
2025-06-11
|
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
|
33610
| null |
Consent not provided
|
Web
|
2025-06-11
|
Closed with non-monetary relief
|
Yes
| null |
14013551
|
2020-09-02
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
Impacted by the XXXX XXXX. Please have OneMain Financial remove late payments from 3 credit bureaus ( My credit report. I have explained to OneMain from day one that my job closed down due to an employee at my job tested positive for XXXX XXXX. I tried to apply for Pandemic unemployment it was a night mare trying to submit my claim online due to thousands of other people applying and high trafficking.Day and night I tried to submit my claim. I had no control as to my job closing and pandemic unemployment website being down or not being able to connect due to issues at there end. My account was in good standing before XXXX XXXX. Once my claim was approved I immediately paid my account up to date and paid more than my minimum towards my balance {$2000.00} So so wrong what OneMain has done to people at our worse time. Help me out was it really so hard to defer payments til I got back on my feet? Just disgusting and left a bad taste in my mouth to know that OneMain was they only business that did not defer not even one payment my other credit accounts I have in good standing as well had no problem deferring any payments. I will never recommend/refer anybody to this company! DO NOT BORROW FROM THIS COMPANY ONE MAIN FIN. WILL RUIN YOUR CREDIT FOR SURE I HIGHLY RECOMMEND IF YOU WANT A LOAN TO GO TO XXXX XXXX! The least OneMain can do is remove these late payments off my credit report.
| null |
OneMain Finance Corporation
|
DE
|
19701
| null |
Consent provided
|
Web
|
2020-09-02
|
Closed with non-monetary relief
|
Yes
| null |
3827626
|
2021-08-04
|
Checking or savings account
|
Checking account
|
Opening an account
|
Account opened as a result of fraud
|
A new checking account was opened in my name on XX/XX/21 with Huntington Bank. I was alerted because an account creation email, online banking confirmation email, two email address change and two phone number change emails were sent to my personal email address on XX/XX/21. I reached out to Huntington Bank on XX/XX/21 and they confirmed a new account was opened but would not tell me what email address or phone number was listed on the account. They closed the account.
| null |
HUNTINGTON NATIONAL BANK, THE
|
CO
|
80209
| null |
Consent provided
|
Web
|
2021-08-04
|
Closed with explanation
|
Yes
| null |
4602138
|
2025-01-15
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a 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.
|
AL
|
35205
| null |
Consent not provided
|
Web
|
2025-01-15
|
Closed with explanation
|
Yes
| null |
11545186
|
2025-09-03
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
Experian Information Solutions Inc.
|
GA
|
30307
| null | null |
Web
|
2025-09-03
|
In progress
|
Yes
| null |
15697155
|
2025-08-11
|
Debt collection
|
Other debt
|
Written notification about debt
|
Notification didn't disclose it was an attempt to collect a debt
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
79365
| null | null |
Web
|
2025-08-11
|
In progress
|
Yes
| null |
15198526
|
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.
|
NJ
|
07107
| null |
Consent not provided
|
Web
|
2023-03-01
|
Closed with non-monetary relief
|
Yes
| null |
6627910
|
2024-10-22
|
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.
|
IN
|
46254
| null |
Consent not provided
|
Web
|
2024-10-22
|
Closed with non-monetary relief
|
Yes
| null |
10541448
|
2025-06-03
|
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
|
BARCLAYS BANK DELAWARE
|
NJ
|
08610
| null |
Consent not provided
|
Web
|
2025-06-03
|
Closed with explanation
|
Yes
| null |
13875218
|
2025-07-09
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
PA
|
19139
| null |
Consent provided
|
Web
|
2025-07-09
|
Closed with explanation
|
Yes
| null |
14545505
|
2025-07-22
|
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.
|
FL
|
33470
| null |
Consent not provided
|
Web
|
2025-07-22
|
Closed with explanation
|
Yes
| null |
14812046
|
2015-10-14
|
Debt collection
|
Other (i.e. phone, health club, etc.)
|
Cont'd attempts collect debt not owed
|
Debt was paid
| null | null |
ENCORE CAPITAL GROUP INC.
|
CA
|
92234
| null | null |
Referral
|
2015-10-16
|
Closed with non-monetary relief
|
Yes
|
No
|
1605419
|
2025-03-21
|
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.
|
NJ
|
07724
| null |
Consent not provided
|
Web
|
2025-03-21
|
Closed with non-monetary relief
|
Yes
| null |
12592972
|
2024-07-08
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Personal information incorrect
| null | null |
EQUIFAX, INC.
|
IL
|
60619
| null |
Consent not provided
|
Web
|
2024-07-08
|
Closed with non-monetary relief
|
Yes
| null |
9454341
|
2025-02-25
|
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.
|
CT
|
06790
| null |
Consent not provided
|
Web
|
2025-02-25
|
Closed with explanation
|
Yes
| null |
12206407
|
2024-12-04
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
Account Name : XXXX XXXX XXXX Account Number : XXXX Dear CFPB, I am writing to dispute inaccurate information being reported on my credit file regarding the XXXX XXXX XXXX account. The reporting of late payments on this account is negatively affecting my credit report and financial opportunities.
The reported late payments for the months of XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 60 days late ) appear to be in violation of the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant sections of consumer protection laws, including 15 U.S. Code 1666b, 1681i, and 1681s-2.
I formally request a reinvestigation to ensure the accuracy of the late payment information. Additionally, I request the following specific details for my own records : The exact number of days I was late for each of the months listed as having late payments.
A total calculation of how many days late I was across all months.
If the reporting of these late payments can not be verified or confirmed as accurate, I respectfully request their removal from my credit file.
Thank you for your attention to this matter, and I look forward to a prompt resolution.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
FL
|
33919
| null |
Consent provided
|
Web
|
2024-12-04
|
Closed with explanation
|
Yes
| null |
11020914
|
2024-12-09
|
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.
|
FL
|
33056
| null |
Consent not provided
|
Web
|
2024-12-09
|
Closed with non-monetary relief
|
Yes
| null |
11086887
|
2022-11-13
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I have recently filed an FTC Report for the following : I am writing to request the removal of unauthorized, unapproved, fraudulent credit inquiries from my Equifax credit report. My latest credit report shows the following five ( 5 ) credit inquiries that I did not authorize ; when I requested proof from the creditors, they were unable to provide me any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them.
XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
| null |
EQUIFAX, INC.
|
MD
|
207XX
| null |
Consent provided
|
Web
|
2022-11-13
|
Closed with explanation
|
Yes
| null |
6199476
|
2025-02-14
|
Credit card
|
General-purpose credit card or charge card
|
Getting a credit card
|
Card opened without my consent or knowledge
|
Wells Fargo car services. There was a hard inquiry on my credit report from XX/XX/year> 2023
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
WELLS FARGO & COMPANY
|
CA
|
92113
| null |
Consent provided
|
Web
|
2025-03-11
|
Closed with explanation
|
Yes
| null |
12086636
|
2023-07-25
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
Subject : Notice of Intent to Assert Consumer Rights Regarding Charge-Off Account on XXXX, XXXX, and TransUnion Reports I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding the reporting of a charge-off account on my credit reports with XXXX, XXXX, and TransUnion. It has come to my attention that there are inaccuracies and potential violations of my consumer rights in the credit information provided by your agency.
As per the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, I am entitled to accurate and fair credit reporting. After carefully reviewing my credit reports, I have noticed that a charge-off account is listed, which I believe to be erroneous.
I assert the following consumer rights and concerns : Right to Accurate Information : I request that the information provided by your agency is accurate, complete, and up-to-date. Any discrepancies, inaccuracies, or outdated data may lead to adverse consequences on my financial standing.
Right to Verification : Under the FCRA, I have the right to request verification of the charge-off account being reported. I hereby request a thorough investigation into the validity and accuracy of this information.
Right to Dispute : In accordance with the FCRA, I am entitled to dispute any information on my credit reports that I believe to be inaccurate, incomplete, or unverifiable. I urge you to promptly conduct an investigation into the disputed account.
Right to Correct Reporting : If the charge-off account is found to be inaccurate or unverifiable, I insist on the immediate correction or removal of this information from my credit reports with XXXX, XXXX, and TransUnion.
Right to Fair Credit Reporting : I expect that your agency adheres to the principles of fair and responsible credit reporting, as outlined in the FCRA, to ensure the protection of consumer rights.
I demand immediate action to rectify these violations and ensure that my consumer rights are fully respected. I insist on the following corrective measures : Prompt Verification : I request a thorough investigation into the charge-off account in question. Provide me with the verified evidence supporting the legitimacy of the reported debt.
Accurate Reporting : If the charge-off account is found to be inaccurate or unverifiable, I demand its immediate removal from my credit reports with XXXX, XXXX, and TransUnion.
Compensation for Damages : The inaccurate reporting of this charge-off account has resulted in significant damage to my creditworthiness and financial opportunities. I expect fair compensation for the losses incurred due to this violation.
Written Confirmation : I demand written confirmation of the resolution of this dispute, indicating the removal of the disputed charge-off account from all three credit bureaus.
Failure to comply with these demands within a reasonable timeframe will leave me with no option but to pursue legal action to protect my consumer rights. Please be advised that I am prepared to seek remedies available under the FCRA, including statutory damages, punitive damages, attorney 's fees, and injunctive relief.
This matter is of utmost importance to me, and I expect your immediate attention to rectify the violations and provide a satisfactory resolution. Kindly acknowledge receipt of this letter promptly.
Sincerely, XXXX XXXX Original Creditor : XXXX XXXX XXXX Account # XXXX Original Balance {$4300.00} Original Creditor : XXXX XXXX XXXX Account # XXXX Original Balance {$120.00}
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
77077
| null |
Consent provided
|
Web
|
2023-07-25
|
Closed with explanation
|
Yes
| null |
7300860
|
2025-08-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
TX
|
78754
| null | null |
Web
|
2025-08-18
|
In progress
|
Yes
| null |
15346595
|
2022-05-19
|
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.
|
ID
|
83815
| null |
Consent not provided
|
Web
|
2022-05-19
|
Closed with non-monetary relief
|
Yes
| null |
5579889
|
2025-02-20
|
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.
|
NY
|
10458
| null |
Consent not provided
|
Web
|
2025-02-20
|
Closed with explanation
|
Yes
| null |
12152432
|
2022-01-14
|
Money transfer, virtual currency, or money service
|
Virtual currency
|
Other transaction problem
| null |
XX/XX/XXXX I checked XXXX price on XXXX then decided to check my coinbase account since I had not looked at it ( or maybe did a few times early on ) since I opened it 8 months previously It was locked - I could not figure out on the page how to get help to unlock it I XXXX Coinbase login - opened a link. A Coinbase screen came up and asked me to type in the phone number connected to the account. I soon got a call from XXXX XXXX XXXX A woman with an XXXX accent led me through a series of steps to do 2 step verification of my account. Ultimately I activated the video camera to two windows on the bottom of the Coinbase screen and took a picture of my drivers license - front and back and then my own picture in another box. I could not access my account- it was still blocked.
I spoke with her a few more times over the next few days. On XX/XX/XXXX I noticed my business bank account was low- when I checked there had been {$35000.00} deposited to Coinbase. I reported it to Coinbase and they started a fraud " investigation '' I finally accessed my Coinbase account XX/XX/XXXX and found It was emptied of {$60000.00} on XX/XX/XXXX Coinbase has been less than helpful in investigating or rectifying.
| null |
Coinbase, Inc.
|
FL
|
330XX
|
Older American
|
Consent provided
|
Web
|
2022-01-14
|
Closed with explanation
|
Yes
| null |
5110566
|
2025-04-04
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
VA
|
23220
| null |
Consent provided
|
Web
|
2025-04-04
|
Closed with non-monetary relief
|
Yes
| null |
12824340
|
2025-06-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.
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 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 XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX NA XX/XX/XXXX Experian
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
75241
| null |
Consent provided
|
Web
|
2025-06-17
|
Closed with non-monetary relief
|
Yes
| null |
14116159
|
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