{"took":107,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":69,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4965474","_score":19.16203,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had a late payment on my XXXX XXXX credit card in XX/XX/2018 and i called and explained my problem to XXXX XXXX from XXXX XXXX  on XX/XX/XXXX at XXXXXXXX XXXX  and i was promised to remove late payment from all 3 credit bureau around XX/XX/XXXX. I pulled my credit and it was not updated so i disputed information and it came back as verified and information stays and correct. I called bank and asked for rep who helped me on XX/XX/XXXX and was told i they have no way to connect me to him. I filed a complaint with XXXX XXXX XXXX and person who handled my complaint wrote in response '' information stays and i was told in a letter dated XX/XX/XXXX '' which i never received in mail email or document section on my online account. letter a copy of that letter was mailed to me with a statement saying \" I was told its not guaranteed to remove the negative information which i don't remember and additional narrative will be added to my credit file and will be seen by credit granters and if i wish to remove the narrative i write to them requesting and they will remove narrative and late payment stays. i rejected offer from XXXX XXXX to XXXX and i responded by saying i never heard of the XX/XX/XXXX letter till today and banks nationwide was closed as it was not only sunday but also our XXXX XXXX  and no way this letter can be written on that day and i suspect it was created and in retaliation and based of this fake latter you put additional narrative on my credit file so i cant get credit. Some other rep try to assist my XXXX complaint this time and she came to a decision that late payments stays and additional narrative was placed on my credit file as retaliation and given a statement as '' XXXX of XXXX fall on sunday we celebrated XXXX XXXX on XXXX of XXXX and not XXXX of XXXX so information is correct. ''","date_sent_to_company":"2021-12-02T07:31:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"756XX","tags":null,"has_narrative":true,"complaint_id":"4965474","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-12-02T02:31:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Some other rep try to assist my XXXX <em>complaint</em> this time and she came to a decision that late payments stays and additional <em>narrative</em> was <em>placed</em> on my <em>credit</em> file as retaliation and given a statement as '' XXXX of XXXX fall on sunday we celebrated XXXX XXXX on XXXX of XXXX and not XXXX of XXXX so information is correct. ''"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.16203,"4965474"]},{"_index":"complaint-public-v1","_id":"4965436","_score":19.16203,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had a late payment on my wells fargo credit card in XX/XX/2018 and i called and explained my problem to XXXX XXXX from XXXX branch on XX/XX/XXXX at XXXX pm and i was promised to remove late payment from all 3 credit bureau around XX/XX/XXXX. I pulled my credit and it was not updated so i disputed information and it came back as verified and information stays and correct. I called bank and asked for rep who helped me on XX/XX/XXXX and was told i they have no way to connect me to him. I filed a complaint with XXXX XXXX XXXX and person who handled my complaint wrote in response '' information stays and i was told in a letter dated XX/XX/XXXX '' which i never received in mail email or document section on my online account. letter a copy of that letter was mailed to me with a statement saying \" I was told its not guaranteed to remove the negative information which i don't remember and additional narrative will be added to my credit file and will be seen by credit granters and if i wish to remove the narrative i write to them requesting and they will remove narrative and late payment stays. i rejected offer from wells fargo to XXXX and i responded by saying i never heard of the XX/XX/XXXX letter till today and banks nationwide was closed as it was not only sunday but also our XXXX XXXX and no way this letter can be written on that day and i suspect it was created and in retaliation and based of this fake latter you put additional narrative on my credit file so i cant get credit. Some other rep try to assist my XXXX complaint this time and she came to a decision that late payments stays and additional narrative was placed on my credit file as retaliation and given a statement as '' XXXX of XXXX fall on sunday we celebrated XXXX XXXX on XXXX of XXXX and not XXXX of XXXX so information is correct. ''","date_sent_to_company":"2021-12-27T18:25:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"756XX","tags":null,"has_narrative":true,"complaint_id":"4965436","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-12-02T01:34:43.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Some other rep try to assist my XXXX <em>complaint</em> this time and she came to a decision that late payments stays and additional <em>narrative</em> was <em>placed</em> on my <em>credit</em> file as retaliation and given a statement as '' XXXX of XXXX fall on sunday we celebrated XXXX XXXX on XXXX of XXXX and not XXXX of XXXX so information is correct. ''"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.16203,"4965436"]},{"_index":"complaint-public-v1","_id":"14236881","_score":14.43921,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian for gross and continued violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, due to inaccurate information being reported on my credit file, including inaccurate accounts, misreported late payments, charge-offs, and an address I have never resided at.\n\nDespite multiple disputes, Experian has failed to conduct a reasonable investigation, continues to report false and damaging information, and refuses to remove accounts that are either inaccurate, unverifiable, or incorrectly associated with my identity. \nWrong Address Reported XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Wrong Address I have never resided at or been affiliated with this address. \nReporting this address is a violation of FCRA 1681e ( b ) which mandates that credit bureaus must maintain accurate and up-to-date information.\n\nThis false address has caused confusion, misidentification, and likely data merge with accounts that do not belong to me.\n\nInaccurate or Misreported Accounts 1. XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX High Balance : {$260000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681s-2 ( b ) Failure to correct or delete inaccurate information after dispute o Narrative : This mortgage account shows late payments that I have no knowledge of, and I have never been late based on my bank statements. No verification documents were provided upon dispute.\n\n2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$420.00} | Date Opened : XX/XX/XXXX o Issue : Charged Off o Violation : FCRA XXXX ( a ) Failure to properly reinvestigate disputed information o Narrative : This account is reporting a charge-off without proper validation. I requested documentation and none was provided. I also never opened an account on this date. \n3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$880.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681e ( b ) Inaccurate data retention o Narrative : Late payments reported here are inaccurate. I have proof of on-time payments and Experian failed to update even after dispute. \n4. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$240.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681i ( a ) o Narrative : This account contains late payment entries that are not accurate. XXXX could not verify the delinquencies when contacted. \n5. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FDCPA 1692e False or misleading representation o Narrative : I dispute the late payments reflected here. XXXX XXXX has multiple inaccuracies reported across bureaus which I suspect are due to reporting errors or data mix-up. \n6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681c Obsolete account reporting o Narrative : XXXX is reporting late payments past the legally permissible time. This is outdated and damaging to my credit file. \n7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$760.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681s-2 o Narrative : This account shows immediate delinquency right after opening, which is factually impossible. No documentation was provided after dispute. \n8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FDCPA 1692g Failure to validate o Narrative : These late payments are disputed and unverifiable. I have made consistent payments and XXXX has not confirmed any details. \n9. DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$84000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681s-2 ( b ) ( 1 ) ( D ) Furnishers must correct or delete inaccurate information o Narrative : These loans were placed in forbearance during COVID and should not show delinquencies. This misreporting is hurting my credit. \n10. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$7700.00} | Date Opened : XX/XX/XXXX o Issue : Charge-Off o Violation : FCRA 1681c ( a ) ( 4 ) Reporting obsolete charge-off o Narrative : This account is inaccurately listed as charged-off. There was a payment plan and resolution, which is not reflected.\n\n11. XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$44000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681i Failure to reinvestigate disputed information o Narrative : Account reflects multiple late payments without any notice to me. XXXX failed to respond to dispute with documentation. \nInaccurate Hard Inquiries XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX o Issue : Unverified inquiries o Violation : FCRA 1681b Permissible purpose required o Narrative : These inquiries were made without my consent and I have no existing relationship with some of these institutions at the time of inquiry.\n\nRequested Relief I respectfully request the Consumer Financial Protection Bureau to : 1. Conduct a full investigation into Experians failure to comply with federal consumer protection laws.\n\n2. Compel Experian to remove or correct the following : o All inaccurate and unverifiable late payments, charge-offs, and inquiries. \no The incorrect address ( XXXX XXXX XXXX XXXX, XXXX, AZ ). \nXXXX. Ensure Experian provides full documentation or deletes unverifiable items under FCRA 1681i ( a ) ( 5 ) ( A ).\n\n4. Sanction Experian for willful and negligent violations under FCRA 1681n and 1681o.","date_sent_to_company":"2025-06-23T20:58:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"238XX","tags":null,"has_narrative":true,"complaint_id":"14236881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-23T20:55:27.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am filing this <em>complaint</em> against Experian for gross and continued violations of the Fair <em>Credit</em> Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, due to inaccurate information being reported on my <em>credit</em> file, including inaccurate accounts, misreported late payments, charge-offs, and an address I have never resided at."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.43921,"14236881"]},{"_index":"complaint-public-v1","_id":"9398432","_score":14.051022,"_source":{"product":"Debt collection","complaint_what_happened":"NARRATIVE I am filing this report to formally document the theft of my identity and the subsequent fraudulent activities that have severely impacted my financial standing and reputation. Over the past several years, I have become aware of unauthorized and false information being reported on my credit report by various credit bureaus. I have not given consent for these activities, and they have caused significant harm to my credit rating and personal reputation.\n\nThe following unauthorized actions have been observed : 1. **Unauthorized Credit Inquiries : ** Numerous credit inquiries have been made without my knowledge or consent. \n2. **Fraudulent Accounts : ** New accounts have been opened in my name that I did not authorize.\n\n3. **Incorrect Personal Information : ** My personal information, including my address and employment details, have been altered inaccurately.\n\n4. **Unapproved Transactions : ** There have been multiple transactions and charges on my existing accounts that I did not make.\n\n5. **Unauthorized Reporting : ** There are numerous accounts being reported by credit bureaus without my consent.\n\nThese fraudulent activities have resulted in : - A significant drop in my credit score.\n\n- Denial of credit applications and loans.\n\n- Damage to my personal and professional reputation. - Emotional distress and financial hardship.\n\nUpon discovering these discrepancies, I have taken the following steps : 1. Contacted the credit bureaus ( Experian, XXXX, and XXXX ) to dispute the unauthorized entries. 2. Placed a fraud alert on my credit reports. \n3. Contacted my financial institutions to report the fraudulent activities and secure my accounts. 4. Filed a complaint with the Federal Trade Commission ( FTC ).\n\n5. Filed a complaint with the Consumer Financial Protect Bureau ( CFPB ) I am requesting a thorough investigation into this matter to identify the individual ( s ) /credit bureaus responsible for these fraudulent activities and to take appropriate legal action. I also seek assistance in rectifying my credit report and restoring my financial standing. \nI am willing to prosecute.","date_sent_to_company":"2024-07-01T21:13:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"85040","tags":null,"has_narrative":true,"complaint_id":"9398432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-01T21:03:42.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Contacted the <em>credit</em> <em>bureaus</em> ( Experian, XXXX, and XXXX ) to dispute the unauthorized entries. 2. <em>Placed</em> a fraud alert on my <em>credit</em> reports. \n3. Contacted my financial institutions to report the fraudulent activities and secure my accounts. 4. Filed a <em>complaint</em> with the Federal Trade Commission ( FTC ).\n\n5."],"sub_product":["<em>Credit</em> card debt"]},"sort":[14.051022,"9398432"]},{"_index":"complaint-public-v1","_id":"17589793","_score":13.898658,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue type : Credit reporting / Unauthorized credit inquiry Credit bureau affected : TransUnion Date of unauthorized inquiry : XX/XX/year> What happened ( primary complaint narrative ) I am filing this complaint against XXXX XXXX XXXX XXXX for an unauthorized XXXX  credit inquiry placed on my TransUnion credit report on XX/XX/year>, despite the fact that I never applied for credit, membership, or any financial product with XXXX XXXX. \n\nI am a documented victim of identity theft and have attached my official FTC Identity Theft Report, which explicitly lists this XXXX XXXX inquiry as fraudulent. \n\nXXXXXXXX XXXX IDTheftReportXXXX After discovering the inquiry, I contacted XXXX XXXX XXXX XXXX directly. I was informed that even though the inquiry was unauthorized, XXXX XXXX refused to remove it and instead instructed me to contact TransUnion. \n\nI then contacted TransUnion, who advised me that the inquiry must be removed by the furnisher, XXXX XXXX XXXX XXXX. I am now caught in an unacceptable and unprofessional loop where both parties are deflecting responsibility, despite clear documentation of identity theft. \n\nThis conduct violates the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681b Permissible purpose 15 U.S.C. 1681c-2 Identity theft protections 15 U.S.C. 1681s-2 Furnisher duties to correct and update information Once a furnisher has actual notice of identity theft supported by an FTC report XXXX they are required to cease reporting and correct inaccurate information. XXXX XXXX refusal to act after being placed on notice is non-compliant and harmful. \n\nWhy this is a problem The inquiry was not authorized I provided federal identity-theft documentation XXXXXXXX XXXX acknowledged the lack of authorization XXXX XXXX still refused to take corrective action TransUnion and XXXX XXXX are pointing the responsibility back at each other My credit profile is being actively harmed as a result This should not be the consumers burden once fraud is proven.","date_sent_to_company":"2025-11-29T17:00:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33414","tags":null,"has_narrative":true,"complaint_id":"17589793","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-29T16:45:26.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Issue type : <em>Credit</em> reporting / Unauthorized <em>credit</em> inquiry <em>Credit</em> <em>bureau</em> affected : TransUnion Date of unauthorized inquiry : XX/XX/year> What happened ( primary <em>complaint</em> <em>narrative</em> ) I am filing this <em>complaint</em> against XXXX XXXX XXXX XXXX for an unauthorized XXXX  <em>credit</em> inquiry <em>placed</em> on my TransUnion <em>credit</em> report on XX/XX/year>, despite the fact that I never applied for <em>credit</em>, membership, or any financial product with XXXX XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[13.898658,"17589793"]},{"_index":"complaint-public-v1","_id":"16076500","_score":13.602972,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Accounts/ Identity Theft Concern Triggered by XX/XX/year> Data Breach Company : [ XXXX / Equifax XXXX XXXX Choose one per complaint ] Category : Credit reporting Incorrect information on your report Information belongs to someone else / identity theft Complaint Narrative : I am submitting this complaint in response to recent events involving a massive global data leak disclosed in XX/XX/year>. According to multiple reports, including XXXX and The XXXX, over XXXX XXXX login credentialsincluding usernames, passwords, and possible linked identifierswere discovered in a public breach compilation on June 2021, 2025. This breach was not due to a hack of XXXX, XXXX, or XXXX, but rather the result of malware infecting millions of personal devices and stealing data over time. \nAs a result of this exposure, I am deeply concerned that my personal identifying information ( PII ) may have been compromised and could be used to open fraudulent accounts, initiate hard inquiries, or modify my credit file without authorization. \nI have contacted [ XXXX / Equifax XXXX XXXX ] directly, submitted documentation, and requested that : A fraud alert be placed on my file ; My credit report be investigated for any unauthorized accounts or inquiries that may have occurred after XX/XX/year> ; I be provided with a full consumer disclosure and findings ; The bureau remove any inaccurate or fraudulent data that may appear. \nI am requesting the XXXX assistance in ensuring the credit bureau follows all steps outlined under the Fair Credit Reporting Act ( FCRA ), including the XXXX dispute investigation requirement under 15 U.S.C. 1681i, and that they respond promptly and in writing regarding the results of my dispute. \nAs of today, I have not received a satisfactory resolution from the credit bureau and remain at risk of harm due to this unprecedented credential exposure. I am proactively monitoring my report and need all relevant consumer protections enforced. \nRequested Resolution : XXXX investigation of my credit file Removal of any fraudulent or inaccurate data XXXX of a fraud alert Written confirmation of actions taken","date_sent_to_company":"2025-09-22T21:52:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"16076500","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-22T21:30:46.000Z","state":"MO","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Subject : Unauthorized Accounts/ Identity Theft Concern Triggered by XX/XX/year> Data Breach Company : [ XXXX / Equifax XXXX XXXX Choose one per <em>complaint</em> ] Category : <em>Credit</em> reporting Incorrect information on your report Information belongs to someone else / identity theft <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>complaint</em> in response to recent events involving a massive global data leak disclosed in XX/XX/year>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.602972,"16076500"]},{"_index":"complaint-public-v1","_id":"2484634","_score":13.336933,"_source":{"product":"Debt collection","complaint_what_happened":"In XXXX of this year, I accessed my credit files through one or more of the credit bureaus and discovered a collection under the business trade-line for XXXX XXXX XXXX. This collection was placed by Resurgent Capital Services on \" behalf '' of Pinnacle. \" Resurgent is the owner of \" pinnacle, '' which is easily provable through business records. Following my discovery, I disputed the alleged account with the credit bureau, I filed a complaint with the appropriate Better Business Bureau. I also sent a letter ( priority mail ; delivery confirmation ) directly to Resurgent disputing this alleged account. To date, I have not personally received any form of communication from Resurgent. An \" XXXX XXXX '' ( who states it represents the compliance department ) did respond to the complaint with the BBB. That communication was forwarded to me. XXXX has made several false claims ; Beginning with the stated fact that this account had been \" properly '' verified. I have never received any form of communication regarding this alleged debt ( written or verbal. ), from Pinnacle or Resurgent. There is the claim, that this company is in compliance with the FCRA and the FDCPA, however, I can prove that there are several violations of both. XXXX, also states that Resurgent \" utilizes '' numerous third-party collection agencies, this account has been placed with more than one of these third-party agencies. XXXX has alluded to an internal investigation concerning this alleged debt. Followed by a statement that contradicts an investigation having been conducted. XXXX also falsely accused me of making statements that I did not make. And that is also easily proven. This XXXX has stated that it is MY responsibility to provide this company with proof that I do not owe this debt. This company has made the claim, alleged and/or accused me of owing this alleged debt. It is the responsibility of the company to legally prove that this is a legitimate debt. That I am legally responsible for this alleged debt. XXXX made more than one statement that can be construed as defamatory. Statements, that I consider expressed and implied threats. XXXX, on behalf of Resurgent has infringed on my legal rights. As well as attempting to use intimidation/bully tactics to force me into complying/agreeing with the narrative of Resurgent. I have attempted to get the appropriate information regarding the alleged debt directly from Resurgent. As I have stated, to date, Resurgent ( or XXXX, acting on behalf of Resurgent ) has refused to supply this information. Resurgent/Pinnacle need to be thoroughly investigated by both the Federal Trade Commission and the State of Georgia Attorney General 's office. Though, this XXXX, is only acting on behalf of Resurgent, this person needs to be held accountable for its words and actions.","date_sent_to_company":"2017-05-15T16:40:33.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"30549","tags":null,"has_narrative":true,"complaint_id":"2484634","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2017-05-15T15:19:09.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["In XXXX of this year, I accessed my <em>credit</em> files through one or more of the <em>credit</em> <em>bureaus</em> and discovered a collection under the business trade-line for XXXX XXXX XXXX. This collection was <em>placed</em> by Resurgent Capital Services on \" behalf '' of Pinnacle. \" Resurgent is the owner of \" pinnacle, '' which is easily provable through business records. Following my discovery, I disputed the alleged account with the <em>credit</em> <em>bureau</em>, I filed a <em>complaint</em> with the appropriate Better Business <em>Bureau</em>."]},"sort":[13.336933,"2484634"]},{"_index":"complaint-public-v1","_id":"18043282","_score":13.326138,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This CFPB complaint is a renewed escalation based on the most recent dispute letters and the documented outcomes of the prior CFPB complaints. The prior complaints did not resolve the underlying violations. Instead they confirmed a pattern of partial acknowledgments selective deletions and continued reliance on unverifiable and contradictory data. \n\nThe credit bureaus were placed on repeated clear notice that my personal data was compromised in the Equifax data breach and that XXXX XXXX XXXX sources were also impacted. Despite this known contamination risk the bureaus continued to rely on polluted matching logic to verify accounts personal identifiers and collection data. That decision alone undermines the credibility of every verification performed. \n\nIn their CFPB responses Equifax Experian and TransUnion admitted to removing certain personal identifiers such as names addresses and employment information while simultaneously verifying major derogatory accounts as accurate. This position is internally inconsistent and legally indefensible. If the underlying file contained inaccurate identity data serious enough to warrant deletion then any account tied to that same file can not be reasonably verified. \n\nMultiple accounts including XXXX XXXX XXXX XXXX and XXXX XXXX continue to be reported with materially conflicting Metro2 data across bureaus. Core fields such as dates opened dates last active dates of last payment high credit credit limit balances past due amounts delinquency histories and charge off indicators do not match. Some bureaus report XXXX months terms while simultaneously reporting long term delinquency. Others report different repossession narratives and profit and loss write offs for the same account. These contradictions violate Metro2 logic rules and render the data unreliable by definition. \n\nDespite detailed dispute letters that identified these inconsistencies line by line the bureaus relied on automated furnisher confirmations and generic form responses. No original signed contracts no full account level transaction histories no billing statements and no reconciliation of cross bureau discrepancies were produced. Accepting contradictory responses as verified does not meet the standard of a reasonable reinvestigation.\n\nIn addition the bureaus failed to provide lawful reinsertion notices for accounts and data that were previously deleted and later reappeared. Federal law requires written notice within five business days before reinsertion. No such notices were provided. This alone constitutes an independent violation. \n\nThe continued reporting of these derogatory accounts has caused ongoing and measurable harm. Collections and charge offs are among the most heavily weighted factors in FICO scoring. The inaccurate reporting has suppressed my scores increased borrowing costs limited access to credit and caused significant stress and disruption to my financial life. I have acted in good faith at every stage. The credit bureaus have repeatedly failed to meet their legal obligations.","date_sent_to_company":"2025-12-15T16:49:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"64134","tags":null,"has_narrative":true,"complaint_id":"18043282","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-15T16:48:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>credit</em> <em>bureaus</em> were <em>placed</em> on repeated clear notice that my personal data was compromised in the Equifax data breach and that XXXX XXXX XXXX sources were also impacted. Despite this known contamination risk the <em>bureaus</em> continued to rely on polluted matching logic to verify accounts personal identifiers and collection data. That decision alone undermines the credibility of every verification performed."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.326138,"18043282"]},{"_index":"complaint-public-v1","_id":"18043280","_score":13.316378,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This CFPB complaint is a renewed escalation based on the most recent dispute letters and the documented outcomes of the prior CFPB complaints. The prior complaints did not resolve the underlying violations. Instead they confirmed a pattern of partial acknowledgments selective deletions and continued reliance on unverifiable and contradictory data. \n\nThe credit bureaus were placed on repeated clear notice that my personal data was compromised in the Equifax data breach and that XXXX XXXX XXXX sources were also impacted. Despite this known contamination risk the bureaus continued to rely on polluted matching logic to verify accounts personal identifiers and collection data. That decision alone undermines the credibility of every verification performed. \n\nIn their CFPB responses Equifax Experian and TransUnion admitted to removing certain personal identifiers such as names addresses and employment information while simultaneously verifying major derogatory accounts as accurate. This position is internally inconsistent and legally indefensible. If the underlying file contained inaccurate identity data serious enough to warrant deletion then any account tied to that same file can not be reasonably verified. \n\nMultiple accounts including XXXX XXXX XXXX XXXX and XXXX XXXX continue to be reported with materially conflicting Metro2 data across bureaus. Core fields such as dates opened dates last active dates of last payment high credit credit limit balances past due amounts delinquency histories and charge off indicators do not match. Some bureaus report XXXX months terms while simultaneously reporting long term delinquency. Others report different repossession narratives and profit and loss write offs for the same account. These contradictions violate Metro2 logic rules and render the data unreliable by definition. \n\nDespite detailed dispute letters that identified these inconsistencies line by line the bureaus relied on automated furnisher confirmations and generic form responses. No original signed contracts no full account level transaction histories no billing statements and no reconciliation of cross bureau discrepancies were produced. Accepting contradictory responses as verified does not meet the standard of a reasonable reinvestigation.\n\nIn addition the bureaus failed to provide lawful reinsertion notices for accounts and data that were previously deleted and later reappeared. Federal law requires written notice within five business days before reinsertion. No such notices were provided. This alone constitutes an independent violation. \n\nThe continued reporting of these derogatory accounts has caused ongoing and measurable harm. Collections and charge offs are among the most heavily weighted factors in FICO scoring. The inaccurate reporting has suppressed my scores increased borrowing costs limited access to credit and caused significant stress and disruption to my financial life. I have acted in good faith at every stage. The credit bureaus have repeatedly failed to meet their legal obligations.","date_sent_to_company":"2025-12-15T16:49:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"64134","tags":null,"has_narrative":true,"complaint_id":"18043280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-15T16:44:57.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>credit</em> <em>bureaus</em> were <em>placed</em> on repeated clear notice that my personal data was compromised in the Equifax data breach and that XXXX XXXX XXXX sources were also impacted. Despite this known contamination risk the <em>bureaus</em> continued to rely on polluted matching logic to verify accounts personal identifiers and collection data. That decision alone undermines the credibility of every verification performed."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.316378,"18043280"]},{"_index":"complaint-public-v1","_id":"18043281","_score":13.261818,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This CFPB complaint is a renewed escalation based on the most recent dispute letters and the documented outcomes of the prior CFPB complaints. The prior complaints did not resolve the underlying violations. Instead they confirmed a pattern of partial acknowledgments selective deletions and continued reliance on unverifiable and contradictory data. \n\nThe credit bureaus were placed on repeated clear notice that my personal data was compromised in the Equifax data breach and that XXXX XXXX XXXX sources were also impacted. Despite this known contamination risk the bureaus continued to rely on polluted matching logic to verify accounts personal identifiers and collection data. That decision alone undermines the credibility of every verification performed. \n\nIn their CFPB responses Equifax Experian and TransUnion admitted to removing certain personal identifiers such as names addresses and employment information while simultaneously verifying major derogatory accounts as accurate. This position is internally inconsistent and legally indefensible. If the underlying file contained inaccurate identity data serious enough to warrant deletion then any account tied to that same file can not be reasonably verified. \n\nMultiple accounts including XXXX XXXX XXXX XXXX and XXXX XXXX continue to be reported with materially conflicting Metro2 data across bureaus. Core fields such as dates opened dates last active dates of last payment high credit credit limit balances past due amounts delinquency histories and charge off indicators do not match. Some bureaus report XXXX months terms while simultaneously reporting long term delinquency. Others report different repossession narratives and profit and loss write offs for the same account. These contradictions violate Metro2 logic rules and render the data unreliable by definition. \n\nDespite detailed dispute letters that identified these inconsistencies line by line the bureaus relied on automated furnisher confirmations and generic form responses. No original signed contracts no full account level transaction histories no billing statements and no reconciliation of cross bureau discrepancies were produced. Accepting contradictory responses as verified does not meet the standard of a reasonable reinvestigation.\n\nIn addition the bureaus failed to provide lawful reinsertion notices for accounts and data that were previously deleted and later reappeared. Federal law requires written notice within five business days before reinsertion. No such notices were provided. This alone constitutes an independent violation. \n\nThe continued reporting of these derogatory accounts has caused ongoing and measurable harm. Collections and charge offs are among the most heavily weighted factors in FICO scoring. The inaccurate reporting has suppressed my scores increased borrowing costs limited access to credit and caused significant stress and disruption to my financial life. I have acted in good faith at every stage. The credit bureaus have repeatedly failed to meet their legal obligations.","date_sent_to_company":"2025-12-15T16:49:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"64134","tags":null,"has_narrative":true,"complaint_id":"18043281","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-15T16:48:32.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>credit</em> <em>bureaus</em> were <em>placed</em> on repeated clear notice that my personal data was compromised in the Equifax data breach and that XXXX XXXX XXXX sources were also impacted. Despite this known contamination risk the <em>bureaus</em> continued to rely on polluted matching logic to verify accounts personal identifiers and collection data. That decision alone undermines the credibility of every verification performed."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.261818,"18043281"]},{"_index":"complaint-public-v1","_id":"18590481","_score":12.548385,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Product : Credit card Company : Robinhood Markets , Inc. / Robinhood Credit Issue Type : Credit reporting, account access, account closure, rewards Complaint Narrative : I am filing this complaint regarding Robinhoods improper handling, restriction, and eventual cancellation of my Robinhood Gold Card and related account access, which resulted in credit reporting harm and financial loss without any resolution. \nI was approved for the Robinhood Gold Card and began using it. Shortly thereafter, Robinhood restricted my access due to an internal system issue that linked my profile to another brokerage account that had been placed into closure status and could not be reopened. Despite following all instructions provided by Robinhood support, I was repeatedly told to either open a new account ( which Robinhood later refused to complete ) or to use the closed account, creating a permanent internal deadlock entirely outside of my control.\n\nRobinhood ultimately cancelled my accounts without resolving the underlying system failure, without restoring access, and without correcting the resulting harm. \nAs a direct result of Robinhoods actions and internal failures : I was unable to access or properly manage my Gold Card I incurred negative credit reporting impacts for an account I could not access or resolve A hard credit inquiry was placed on my credit report for a credit product that Robinhood rendered unusable and later cancelled without resolution I lost advertised rewards/cash-back after spending money specifically to earn them I spent over a month attempting to resolve this through customer support with no corrective action Robinhood collected my personal and financial information, approved me for credit, reported to credit bureaus, and then cancelled the account without providing the contracted services or a meaningful path to resolution. I believe the continued credit reporting and hard inquiry under these circumstances is inaccurate and unfair.\n\nI am requesting that Robinhood : 1. Remove or correct all negative credit reporting related to this matter 2. Remove the hard credit inquiry associated with the Robinhood Gold Card approval 3. Restore or reimburse all lost rewards 4. Provide written confirmation that no further credit reporting will occur related to these cancelled accounts I am requesting CFPB assistance because Robinhood cancelled my accounts without resolving the issue, and standard support channels failed to provide any remediation despite documented credit and financial harm. \nDesired Resolution : Removal of negative credit reporting and hard inquiry, reimbursement of lost rewards, and written confirmation that the matter is closed with no further credit impact.","date_sent_to_company":"2026-01-09T05:53:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"93422","tags":null,"has_narrative":true,"complaint_id":"18590481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2026-01-09T05:36:55.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Product : <em>Credit</em> card Company : Robinhood Markets , Inc. / Robinhood <em>Credit</em> Issue Type : <em>Credit</em> reporting, account access, account closure, rewards <em>Complaint</em> <em>Narrative</em> : I am filing this <em>complaint</em> regarding Robinhoods improper handling, restriction, and eventual cancellation of my Robinhood Gold Card and related account access, which resulted in <em>credit</em> reporting harm and financial loss without any resolution."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[12.548385,"18590481"]},{"_index":"complaint-public-v1","_id":"20377960","_score":11.432152,"_source":{"product":"Debt collection","complaint_what_happened":"Date : XX/XX/year> Consumer : XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX, L A XXXX Company : United Check Recovery Bureau XXXX XXXX : XXXX, XXXX XXXX Issue : Attempts to collect debt not owed / improper debt collection / failure to validate debt Complaint Narrative I am filing this complaint regarding repeated collection attempts by United Check Recovery Bureau ( XXXX ) concerning an alleged debt originally attributed t o CashNetUSA and now claimed to b e placed through XXXX XXXX. \nXXXX first contacted m e on XX/XX/year> via text message stating that I owed {$2000.00}. This message constituted an attempt t o collect a debt. A follow-up message was sent o n XX/XX/year>, which included a shortened and obscured URL ( s-url.pro/UCRB ) directing me to access account information. \nSince that initial contact, XXXX has continued sending collection emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, aggressively seeking payment and offering a reduced settlement amount of {$1600.00}. \nDespite these repeated collection attempts, I have not received a proper written validation notice containing the disclosures required under federal law. \nViolations and Concerns XXXX. Failure t o Provide Required Validation Notice ( XXXX XXXX. XXXX ) XXXX initiated communication on XX/XX/year> but failed to provide a compliant validation notice within five days. None of their communications include the required statement o f my 30-day right to dispute or that verification will be provided upon request.\n\n2. Continued Collection Activity Without Validation UCRB has continued to demand payment and offer settlements without first validating the debt.\n\n3. Use of Potentially Deceptive Communication Methods On XX/XX/year>, XXXX sent a text containing a shortened URL ( s-url.pro/UCRB ), which obscures the true destination and prevents the consumer from verifying where the link leads. \nThis raises concerns regarding transparency and potential deceptive practices. \nXXXX. Unverified Third-Party Involvement UCRB claims the account is placed by \" XXXX XXXX, '' but has provided no documentation demonstrating : transfer or assignment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX o f UCRB to collect Formal Dispute and Demand for Validation I formally dispute this alleged debt in its entirety.\n\nI request that United Check Recovery Bureau be required to provide full validation, including : 1. Original Contract Signed agreement with CashNetUSA All documents bearing my signature evidencing obligation 2. Full Payment History Complete account history from origination through charge-off Itemization of all interest, fees, and charges 3. Chain of Title / Ownership Documentation showing transfer from XXXX to XXXX XXXX Documentation showing transfer, assignment, o r placement t o UCRB Bills of sale or assignment agreements establishing legal authority 4. Balance Verification Detailed breakdown of the {$2000.00} balance 5. Licensing and Authority Proof that UCRB i s licensed and authorized to collect debt in the state of Louisiana 6. Credit Reporting ( if applicable ) Identification o f any reporting to XXXX  XXXX XXXX  XXXX or XXXX Confirmation the account is marked a s disputed","date_sent_to_company":"2026-03-18T17:19:25.000Z","issue":"Written notification about debt","sub_product":"Payday loan debt","zip_code":"70785","tags":null,"has_narrative":true,"complaint_id":"20377960","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Check Recovery Bureau, Inc.","date_received":"2026-03-18T17:10:16.000Z","state":"LA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Date : XX/XX/year> Consumer : XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX, L A XXXX Company : United Check Recovery <em>Bureau</em> XXXX XXXX : XXXX, XXXX XXXX Issue : Attempts to collect debt not owed / improper debt collection / failure to validate debt <em>Complaint</em> <em>Narrative</em> I am filing this <em>complaint</em> regarding repeated collection attempts by United Check Recovery <em>Bureau</em> ( XXXX ) concerning an alleged debt originally attributed t o CashNetUSA and now claimed to b e <em>placed</em> through XXXX XXXX."],"company":["United Check Recovery <em>Bureau</em>, Inc."]},"sort":[11.432152,"20377960"]},{"_index":"complaint-public-v1","_id":"19564263","_score":11.269436,"_source":{"product":"Debt collection","complaint_what_happened":"Company : Experian Information Solutions , Inc . \nProduct : Credit reporting Issue : Failure to properly investigate prior CFPB complaint / Continued inaccurate reporting Complaint Narrative I am submitting this complaint regarding Experians continued failure to properly investigate and resolve inaccurate reporting associated with a Capital One account on my credit file. \n\nThis complaint follows prior CFPB complaint # XXXX, submitted on XX/XX/year>. In its response dated XX/XX/year>, Experian did not verify the account, did not provide supporting documentation, and did not delete the account. Instead, Experian issued a generic response suggesting that I may have been a victim of fraud and directed me toward fraud and identity theft resources. \n\nThis response was legally insufficient and did not meet the requirements of a reasonable reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). \n\nTo be absolutely clear, I have not alleged identity theft, have not filed an FTC identity theft affidavit, and have not claimed fraud in connection with this account. My dispute concerns the accuracy and legal verifiability of the reporting. Experians decision to redirect this matter into a fraud or identity theft framework appears to be a mischaracterization of my dispute and functions as a stall tactic rather than a lawful reinvestigation. \n\nDirecting a consumer to file an identity theft or fraud report when no theft has been alleged improperly shifts the burden of investigation away from the consumer reporting agency and onto the consumer. The Fair Credit Reporting Act requires the credit bureau to conduct a reasonable reinvestigation when inaccuracies are disputed. It does not permit a credit bureau to avoid this obligation by reframing an accuracy dispute as a potential fraud claim. \n\nIf Experian genuinely believes fraud is possible, continued reporting of the account without deletion or proper verification is reckless and inconsistent with the FCRAs accuracy requirements under 15 U.S.C. 1681e ( b ). A consumer reporting agency can not simultaneously question the validity of an account while continuing to report it as verified and accurate. \n\nAccount at Issue XXXX XXXX XXXX  ( XXXX ), XXXX. \nAccount Number : XXXX Reported Balance : {$1500.00} Status : Charge-off / Collection Charge-Off This account continues to report inconsistently across consumer reporting agencies. Material discrepancies exist between Experian and other credit bureaus, including conflicting balance data, differing payment histories, and inconsistent reporting dates. These contradictions further demonstrate that the account is not being reported with maximum possible accuracy. \n\nAdditionally, Experian has previously reported misleading remarks indicating that the dispute was resolved, despite the dispute remaining unresolved and no verification documentation ever being produced. \n\nPattern of Inadequate Investigation I have made repeated good-faith efforts to resolve this matter through proper regulatory channels. Despite being placed on notice through prior CFPB filings, Experian has : Failed to provide documentation supporting verification Failed to delete unverifiable information Issued non-substantive or generic responses Redirected responsibility back to the consumer Mischaracterized an accuracy dispute as potential fraud This pattern raises serious concerns regarding compliance with the reinvestigation requirements of the Fair Credit Reporting Act. \n\nGood Faith Consumer Statement I am submitting this complaint on my own behalf as an individual consumer. I am not working with any attorney, credit repair organization, or third-party representative. This filing is being made personally to ensure an accurate and transparent regulatory record and to avoid any unnecessary delay or procedural stall tactics. \n\nI have made multiple good-faith attempts to resolve this matter directly and through the appropriate regulatory process.This complaint is submitted to obtain a final and meaningful resolution and to ensure a clear regulatory record. If this matter can not be resolved through the CFPB process, I reserve all rights available to me under federal and state consumer protection laws.","date_sent_to_company":"2026-02-17T19:28:56.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"77056","tags":null,"has_narrative":true,"complaint_id":"19564263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-02-17T19:18:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Product : <em>Credit</em> reporting Issue : Failure to properly investigate prior CFPB <em>complaint</em> / Continued inaccurate reporting <em>Complaint</em> <em>Narrative</em> I am submitting this <em>complaint</em> regarding Experians continued failure to properly investigate and resolve inaccurate reporting associated with a Capital One account on my <em>credit</em> file. \n\nThis <em>complaint</em> follows prior CFPB <em>complaint</em> # XXXX, submitted on XX/XX/year>."]},"sort":[11.269436,"19564263"]},{"_index":"complaint-public-v1","_id":"12067672","_score":11.135317,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer complaint narrative on XXXX I sent XXXX  XXXX XXXX the following letter : Dear Spring Oaks Capital, I am writing to you pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, regarding the above-referenced account, which you claim I owe {$12000.00} I dispute this debt and am requesting that you provide me with the following information : XXXX. Validation of the XXXX XXXX XXXX detailed list of all payments I have made on this account, including dates, amounts, and the method of payment. o A copy of the original signed contract or agreement that obligates me to pay this debt. I wish to see the signature that I placed on this document. XXXX. Insurance Claims o Any records or documentation of insurance claims that have been made related to this debt, if applicable. XXXX. Proof of XXXX and XXXX of XXXX o Documentation that proves you have the legal right to collect on this debt. This includes proof of the chain of title of this debt, from the original creditor to any subsequent owners, and finally to XXXX XXXX XXXX. As you are reporting this item on my credit report, I request that you also provide me with verification that this debt is valid and has not been satisfied by insurance or any other means. Please consider this letter a formal dispute of the debt and a request for validation as required by federal law. If you can not provide the requested information, I expect you to cease all collection activities, including reporting this debt to the credit reporting agencies, and remove any negative entries related to this account from my credit report. Please provide the requested information within XXXX  days of your receipt of this letter. If you do not provide adequate verification within the legally required timeframe, I will assume that you are unable to validate the debt and will expect you to remove any related negative information from my credit report. The company responded back and sent copies of payments made on the account, which does not prove that I made payments on the account. The company did not provide a copy of the signed contract with my signature of the chain of Title. I sent them a follow letter asking for the information and they stated that my request was duplicate and they will not be responding. The company is refusing to provide me with the documentation. Under the Fair Debt Collection Practices Act I am entitled to proper debt validation, which includes the original signed agreement. The XXXX credit bureaus reports this debt does belong to me, I disputed it with them and awaiting there response and the charges will need to be removed immediately.","date_sent_to_company":"2025-02-12T16:17:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"34986","tags":null,"has_narrative":true,"complaint_id":"12067672","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-02-12T16:06:22.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["The XXXX <em>credit</em> <em>bureaus</em> reports this debt does belong to me, I disputed it with them and awaiting there response and the charges will need to be removed immediately."]},"sort":[11.135317,"12067672"]},{"_index":"complaint-public-v1","_id":"15490864","_score":11.056383,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint narrative ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ) by this credit reporting agency regarding ( XXXX ) identity-theft handling, ( XXXX ) reinvestigation duties, and ( XXXX ) accuracy of a public record. \n\nStatutes at issue : 605B ( blocking identity-theft information ) 611 ( reasonable reinvestigation ; timely results ; Method of Verification ) 607 ( b ) ( maximum possible accuracy ) Background & prior steps : I submitted multiple disputes with documentation, including an FTC Identity XXXX Report and police report. Despite this, the agency failed to block identity-theft information within the required timeframe, did not complete a lawful reinvestigation, and did not provide a XXXX of XXXX ( MOV ) explaining the exact source ( XXXX ) and documents used. I also requested correction of personal-information elements ( removal of unauthorized addresses/phone numbers, suppression of sensitive data ) with no adequate response. \n\nPublic record inaccuracies ( XXXX XXXX ) : Across the XXXX nationwide CRAs, the same bankruptcy public record is reported inconsistently : Filed/Reported date conflicts ( XXXX bureaus report XX/XX/year> ; another reports XX/XX/year> ). \n\nReference numbers differ ( e.g., XXXX vs XXXX vs a long, vendor-styled string ). \n\nClosing date missing on XXXX bureau, even though others show XX/XX/year> and the status is Dismissed. \n\nCourt identification varies ( XXXX Bankruptcy XXXX, XXXX XXXX CT GA XXXX, XXXX ) instead of a uniform, accurate court name. \n\nThese discrepancies show the record is incomplete/misleading and not maintained with maximum possible accuracy. If a third-party vendor was used, the agency has not disclosed the original court source, vendor name/ID, or the documents actually reviewed. \n\nIdentity-theft handling : I reported fraud and requested blocking under 605B. More than XXXX business days elapsed with no block placed, no adequate status update, and no explanation of verification steps. \n\nUnlawful reinsertions : Items previously removed have reappeared without the required XXXX notice and without proof of proper verification, violating XXXX ( a ) ( XXXX ) ( B ). \n\nHarm : These failures have caused reputational damage, credit denials/less favorable terms, and ongoing time and expense to correct my file.","date_sent_to_company":"2025-09-04T13:21:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"15490864","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-08-25T21:55:59.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>narrative</em> ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair <em>Credit</em> Reporting Act ( FCRA ) by this <em>credit</em> reporting agency regarding ( XXXX ) identity-theft handling, ( XXXX ) reinvestigation duties, and ( XXXX ) accuracy of a public record."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.056383,"15490864"]},{"_index":"complaint-public-v1","_id":"20537159","_score":11.0374775,"_source":{"product":"Student loan","complaint_what_happened":"CFPB COMPLAINT COPY FOR YOUR XXXX Consumer Financial Protection Bureau consumertinance.gov/complaint Complainant : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX... \nHOW TO FILE : Go to consumerfinance.gov/complaint Select 'Student loan ' Select 'Federal student loan ' Company : Aidvantage Paste the narrative below CFPB FORM FIELDS FILL IN EXACTLY AS SHOWN Product : Student loan Sub-product : Federal student loan servicing Issue : Dealing with your lender or servicer Problem with customer service Company name : Advantage ( XXXX XXXX XXXX ) COMPLAINT NARRATIVE COPY AND PASTE THIS ENTIRE SECTION I am filing this complaint against Advantage ( XXXX XXXX XXXX XXXX for repeated mishandling of my XXXX XXXX XXXX XXXXXXXX ( XXXX  ) discharge application, failure to protect my loans during an active XXXX review period, and improper credit reporting that has caused significant and ongoing financial harm. \nBACKGROUND I am a person with a XXXX XXXX XXXX XXXXXXXX ( XXXX - XXXX XXXX ). In XX/XX/XXXX, I submitted a valid TPD discharge application for my federal student loans. My physician, XXXX XXXX XXXX, completed the XXXX XXXX XXXX both electronically and with a manual signature. The XXXX system recorded the XXXX XXXX XXXX as completed on XX/XX/XXXX. I have documentation confirming both submissions. \nISSUE 1 : IMPROPER DENIAL AND MISHANDLING OF TPD APPLICATION Despite valid physician certification, my TPD application was denied on the basis that there was 'no physician signature ' which is factually incorrect and contradicted by the TPD system 's own records showing the signature was completed XX/XX/XXXX. This appears to be an XXXX XXXX X CFPB Complaint XXXXXXXX XXXX was completed XX/XX/XXXX. This appears to be an administrative error by the servicer or the federal processing system. I was subsequently required to submit a reconsideration request and am now under an active reconsideration period with a deadline of XX/XX/XXXX. \nISSUE 2 : FAILURE TO PROTECT LOANS DURING TPD REVIEW IMPROPER CREDIT REPORTING Under federal law and Department of Education guidelines, when a XXXX  application is under active review, the borrower 's loans must be placed in administrative forbearance. During this period, no negative balance increases, adverse status changes, or harmful credit reporting should occur. \nAidvantage has violated this protection. Every month since my TPD application was submitted in XX/XX/XXXX, XXXX ( pulling Equifax XXXX ) has alerted me that the monthly balance reported on my DEPT OF ED/ADVANTAGE account has increased. This has happened repeatedly and consistently, constituting a pattern of improper credit reporting during a legally protected forbearance period. \nThis improper reporting has caused my XXXX XXXX to drop from approximately XXXX to approximately XXXX - a loss of roughly XXXX points. This credit damage has directly harmed my ability to secure business financing for my company ( XXXX ), purchase a disability-accessible home, and maintain my overall financial stability. \nThe only legitimate credit activity on my report during this period is from XXXX XXXX ( XX/XX/XXXX ) and Georgia XXXX ( XX/XX/XXXX ). All other adverse reporting on this federal student loan account is improper and has occurred during a period in which I should have been fully protected. \nISSUE 3 : ADVANTAGE HAD NO RECORD OF MY XXXX  APPLICATION When I contacted Advantage directly, representatives initially stated they had no record of my TPD application. \nThis failure to maintain or access accurate records of an active federal XXXX discharge application is a serious servicing failure. Advantage subsequently opened an internal claim and escalated my case to their Customer Advocate Unit, and my loans were placed in forbearance but not before significant harm had already occurred. \nISSUE 4 : VERBAL ACKNOWLEDGMENT OF ERRORS BY FEDERAL STUDENT AID Representatives from Federal Student Aid ( FAFSA ) verbally acknowledged that mistakes were made in the handling of my case. Despite this acknowledgment, no corrective action has been taken to reverse the credit damage caused by these errors. \nHARM CAUSED As a direct result of Advantage 's mishandling of my TPD application and improper credit reporting, I have suffered the following specific harms : 1. Credit score decline of approximately XXXX points ( from XXXX to XXXX ) causing ongoing financial harm XXXX. Inability to secure business financing for XXXX, my housing and internship ecosystem for underserved students XXXX. Inability to purchase a disability-accessible home suitable for my medical needs 4. Ongoing monthly credit damage that continues to worsen 5. Emotional distress and financial instability caused by a process that should have been straightforward RELIEF REQUESTED I respectfully request that the CFPB : 1. Investigate Advantage 's handling of my TPD discharge application and XXXX XXXX XXXX XXXX XXXX. Require Advantage to immediately correct all inaccurate credit reporting to all three credit bureaus ( Equifax, Experian, TransUnion ) for the period XX/XX/XXXX to present XXXX. Require Advantage to ensure my loans remain in proper administrative forbearance pending final TPD discharge determination 4. Require Advantage to provide a written account of all actions taken on my account since XX/XX/XXXX XXXX. Investigate whether XXXX 's practices constitute a pattern of violations affecting other XXXX  applicants SUPPORTING DOCUMENTATION AVAILABLE TPD system screenshot confirming XXXX XXXX XXXX completed XX/XX/XXXX XXXX reconsideration notice with XX/XX/XXXX deadline XXXX monthly alerts confirming repeated DEPT OF EDIAIDVANTAGE balance increases Advantage forbearance confirmation notice Aidvantage Customer Advocate Unit escalation notice XXXX XXXX documentation showing decline from XXXX to XXXX","date_sent_to_company":"2026-03-25T11:45:11.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"20537159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2026-03-24T12:43:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["CFPB <em>COMPLAINT</em> COPY FOR YOUR XXXX Consumer Financial Protection <em>Bureau</em> consumertinance.gov/<em>complaint</em> Complainant : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX..."]},"sort":[11.0374775,"20537159"]},{"_index":"complaint-public-v1","_id":"15493211","_score":11.027389,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint narrative ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ) by this credit reporting agency regarding ( 1 ) identity-theft handling, ( 2 ) reinvestigation duties, and ( 3 ) accuracy of a public record.\n\nStatutes at issue : 605B ( blocking identity-theft information ) 611 ( reasonable reinvestigation ; timely results ; Method of Verification ) 607 ( b ) ( maximum possible accuracy ) Background & prior steps : I submitted multiple disputes with documentation, including an FTC Identity Theft Report and police report. Despite this, the agency failed to block identity-theft information within the required timeframe, did not complete a lawful reinvestigation, and did not provide a Method of Verification ( MOV ) explaining the exact source ( s ) and documents used. I also requested correction of personal-information elements ( removal of unauthorized addresses/phone numbers, suppression of sensitive data ) with no adequate response. \n\nPublic record inaccuracies ( XXXX XXXXDismissed ) : Across the three XXXX CRAs, the same bankruptcy public record is reported inconsistently : Filed/Reported date conflicts ( two bureaus report XX/XX/scrub>/2020 ; another reports XX/XX/year>2020 ). \n\nReference numbers differ ( e.g., XXXX vs XXXX vs a lXXXX XXXX XXXX XXXX \n\nClosing date missing on one bureau, even though others show XX/XX/year> and the status is Dismissed. \n\nCourt identification varies ( XXXX Bankruptcy XXXX, XXXX XXXX XXXX GA XXXX, XXXX ) instead of a uniform, accurate court name. \n\nThese discrepancies show the record is incomplete/misleading and not maintained with maximum possible accuracy. If a third-party vendor was used, the agency has not disclosed the original court source, vendor name/ID, or the documents actually reviewed. \n\nIdentity-theft handling : I reported fraud and requested blocking under 605B. More than four business days elapsed with no block placed, no adequate status update, and no explanation of verification steps.\n\nUnlawful reinsertions : Items previously removed have reappeared without the required 5-day notice and without proof of proper verification, violating 611 ( a ) ( 5 ) ( B ).\n\nHarm : These failures have caused reputational damage, credit denials/less favorable terms, and ongoing time and expense to correct my file.","date_sent_to_company":"2025-08-25T21:54:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"15493211","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-25T21:42:18.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>narrative</em> ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair <em>Credit</em> Reporting Act ( FCRA ) by this <em>credit</em> reporting agency regarding ( 1 ) identity-theft handling, ( 2 ) reinvestigation duties, and ( 3 ) accuracy of a public record."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.027389,"15493211"]},{"_index":"complaint-public-v1","_id":"15490998","_score":11.027389,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint narrative ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ) by this credit reporting agency regarding ( 1 ) identity-theft handling, ( 2 ) reinvestigation duties, and ( 3 ) accuracy of a public record.\n\nStatutes at issue : 605B ( blocking identity-theft information ) 611 ( reasonable reinvestigation ; timely results ; Method of Verification ) 607 ( b ) ( maximum possible accuracy ) Background & prior steps : I submitted multiple disputes with documentation, including an FTC Identity Theft Report and police report. Despite this, the agency failed to block identity-theft information within the required timeframe, did not complete a lawful reinvestigation, and did not provide a Method of Verification ( MOV ) explaining the exact source ( s ) and documents used. I also requested correction of personal-information elements ( removal of unauthorized addresses/phone numbers, suppression of sensitive data ) with no adequate response. \n\nPublic record inaccuracies ( XXXX XXXXDismissed ) : Across the three XXXX CRAs, the same bankruptcy public record is reported inconsistently : Filed/Reported date conflicts ( two bureaus report XX/XX/scrub>/2020 ; another reports XX/XX/year>2020 ). \n\nReference numbers differ ( e.g., XXXX vs XXXX vs a lXXXX XXXX XXXX XXXX \n\nClosing date missing on one bureau, even though others show XX/XX/year> and the status is Dismissed. \n\nCourt identification varies ( XXXX Bankruptcy XXXX, XXXX XXXX XXXX GA XXXX, XXXX ) instead of a uniform, accurate court name. \n\nThese discrepancies show the record is incomplete/misleading and not maintained with maximum possible accuracy. If a third-party vendor was used, the agency has not disclosed the original court source, vendor name/ID, or the documents actually reviewed. \n\nIdentity-theft handling : I reported fraud and requested blocking under 605B. More than four business days elapsed with no block placed, no adequate status update, and no explanation of verification steps.\n\nUnlawful reinsertions : Items previously removed have reappeared without the required 5-day notice and without proof of proper verification, violating 611 ( a ) ( 5 ) ( B ).\n\nHarm : These failures have caused reputational damage, credit denials/less favorable terms, and ongoing time and expense to correct my file.","date_sent_to_company":"2025-08-25T21:54:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"15490998","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-25T21:54:13.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>narrative</em> ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair <em>Credit</em> Reporting Act ( FCRA ) by this <em>credit</em> reporting agency regarding ( 1 ) identity-theft handling, ( 2 ) reinvestigation duties, and ( 3 ) accuracy of a public record."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.027389,"15490998"]},{"_index":"complaint-public-v1","_id":"15490997","_score":11.027389,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint narrative ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ) by this credit reporting agency regarding ( 1 ) identity-theft handling, ( 2 ) reinvestigation duties, and ( 3 ) accuracy of a public record.\n\nStatutes at issue : 605B ( blocking identity-theft information ) 611 ( reasonable reinvestigation ; timely results ; Method of Verification ) 607 ( b ) ( maximum possible accuracy ) Background & prior steps : I submitted multiple disputes with documentation, including an FTC Identity Theft Report and police report. Despite this, the agency failed to block identity-theft information within the required timeframe, did not complete a lawful reinvestigation, and did not provide a Method of Verification ( MOV ) explaining the exact source ( s ) and documents used. I also requested correction of personal-information elements ( removal of unauthorized addresses/phone numbers, suppression of sensitive data ) with no adequate response. \n\nPublic record inaccuracies ( XXXX XXXXDismissed ) : Across the three XXXX CRAs, the same bankruptcy public record is reported inconsistently : Filed/Reported date conflicts ( two bureaus report XX/XX/scrub>/2020 ; another reports XX/XX/year>2020 ). \n\nReference numbers differ ( e.g., XXXX vs XXXX vs a lXXXX XXXX XXXX XXXX \n\nClosing date missing on one bureau, even though others show XX/XX/year> and the status is Dismissed. \n\nCourt identification varies ( XXXX Bankruptcy XXXX, XXXX XXXX XXXX GA XXXX, XXXX ) instead of a uniform, accurate court name. \n\nThese discrepancies show the record is incomplete/misleading and not maintained with maximum possible accuracy. If a third-party vendor was used, the agency has not disclosed the original court source, vendor name/ID, or the documents actually reviewed. \n\nIdentity-theft handling : I reported fraud and requested blocking under 605B. More than four business days elapsed with no block placed, no adequate status update, and no explanation of verification steps.\n\nUnlawful reinsertions : Items previously removed have reappeared without the required 5-day notice and without proof of proper verification, violating 611 ( a ) ( 5 ) ( B ).\n\nHarm : These failures have caused reputational damage, credit denials/less favorable terms, and ongoing time and expense to correct my file.","date_sent_to_company":"2025-08-25T21:54:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"15490997","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-25T21:54:13.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>narrative</em> ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair <em>Credit</em> Reporting Act ( FCRA ) by this <em>credit</em> reporting agency regarding ( 1 ) identity-theft handling, ( 2 ) reinvestigation duties, and ( 3 ) accuracy of a public record."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.027389,"15490997"]},{"_index":"complaint-public-v1","_id":"15493043","_score":11.00778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint narrative ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ) by this credit reporting agency regarding ( 1 ) identity-theft handling, ( 2 ) reinvestigation duties, and ( 3 ) accuracy of a public record.\n\nStatutes at issue : 605B ( blocking identity-theft information ) 611 ( reasonable reinvestigation ; timely results ; Method of Verification ) 607 ( b ) ( maximum possible accuracy ) Background & prior steps : I submitted multiple disputes with documentation, including an FTC Identity Theft Report and police report. Despite this, the agency failed to block identity-theft information within the required timeframe, did not complete a lawful reinvestigation, and did not provide a Method of Verification ( MOV ) explaining the exact source ( s ) and documents used. I also requested correction of personal-information elements ( removal of unauthorized addresses/phone numbers, suppression of sensitive data ) with no adequate response. \n\nPublic record inaccuracies ( XXXX XXXX ) : Across the three nationwide CRAs, the same bankruptcy public record is reported inconsistently : Filed/Reported date conflicts ( two bureaus report XX/XX/year> ; another reports XX/XX/year> ). \n\nReference numbers differ ( e.g., XXXX vs XXXX vs a long, vendor-styled string ). \n\nClosing date missing on one bureau, even though others show XX/XX/year> and the status is Dismissed. \n\nCourt identification varies ( U.S. Bankruptcy Court, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ) instead of a uniform, accurate court name. \n\nThese discrepancies show the record is incomplete/misleading and not maintained with maximum possible accuracy. If a third-party vendor was used, the agency has not disclosed the original court source, vendor name/ID, or the documents actually reviewed. \n\nIdentity-theft handling : I reported fraud and requested blocking under 605B. More than four business days elapsed with no block placed, no adequate status update, and no explanation of verification steps.\n\nUnlawful reinsertions : Items previously removed have reappeared without the required 5-day notice and without proof of proper verification, violating 611 ( a ) ( 5 ) ( B ).\n\nHarm : These failures have caused reputational damage, credit denials/less favorable terms, and ongoing time and expense to correct my file.","date_sent_to_company":"2025-08-25T22:03:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"15493043","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LCI Acquisition Inc.","date_received":"2025-08-25T22:02:34.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>narrative</em> ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair <em>Credit</em> Reporting Act ( FCRA ) by this <em>credit</em> reporting agency regarding ( 1 ) identity-theft handling, ( 2 ) reinvestigation duties, and ( 3 ) accuracy of a public record."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.00778,"15493043"]},{"_index":"complaint-public-v1","_id":"15077225","_score":10.592667,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Complaint Title Delayed check and Account Closure PNC Holding {$200000.00} Without Justification Complaint Narrative 1. Overview of the Problem On XX/XX/year>, I deposited two cashier check of $ XXXX that's amount the sum of $ XXXX. \nThe {$200000.00} cashiers check, I deposited into my newly opened personal PNC Bank account ending in XXXX.The funds were transferred from my legitimate personal account at XXXX XXXX , The purpose of this transfer was to move the money into a new account for future investment. \n\nShortly after the deposit, unknown third-party deposit transactions began appearing in my PNC account . I had no knowledge of these deposits or their sources.i reported for the reversal of the unknown deposit in my account I received a letter from pnc to extending the hold on my account for ten business days but not suspension of online account. \nAfter that my account I can't have access, online access suspended and now my XXXX is credited and available at my PNC account PNC then begin accepting deposits and never offer protection to my account, PNC suspended my entire account, including all online banking access. I never had access to my account my card was suspended too. \nI received no explanation or warning, only general letters stating that the account was placed on extended hold. \n\nThe original cashiers check I deposited was placed on a standard 710 day hold and then kept on extended hold indefinitely. I sent an official letter via XXXX XXXX requesting an explanation for the prolonged hold, but I received no response. I also visited multiple PNC branches, including XXXX XXXX, where I was told a refund check would be mailed and the account would be closed and the unknown funds would be reverse.However, I only received {$1200.00} check The XXXXcheck never arrived, and I was never given any written confirmation It should be : I made a call to PNC customer care in XXXX, placed me on hold then hung up on me. I called back again, and did same thing. PNC dropped the calls on me. PNC x customer care ignored to assist me about my accounts.They never called back Later, I learned that PNC placed my funds into a DRU ( Dispute Resolution Unit ) and claimed that the IRS would reclaim my funds, which is completely unsubstantiated. The funds came from my personal XXXX XXXX account, and there is no IRS claim, seizure notice, or legal action against my account.\n\n2. Attempts to Resolve I have made multiple good-faith attempts to resolve this directly with PNC : I visited multiple branches, including XXXX XXXX I sent a formal written demand via XXXX I made several phone calls and sent emails asking for status updates I requested my account be closed and a refund check issued I have received no detailed explanation, no tracking number, and no refund to date 3. Supporting Documents ( Available to Upload ) Cashiers check deposit proof from XXXX XXXX Account closure letters dated XX/XX/XXXX and XXXX XXXX Copy of my XXXX  letter to PNC requesting release of funds Screenshots of similar case successfully resolved via CFPB and OCC Timeline and written notes of my communications and visits 4. Resolution Requested I respectfully request that PNC Bank be required to : 1. Release and mail my {$200000.00} check immediately 2. Provide written confirmation and tracking information 3. Explain in writing the reasons behind the prolonged hold and the XXXX placement 4. Ensure no negative reporting is made to XXXX  or credit bureaus due to this issue 5. Harm Caused I have lost access to a large sum of money for over three months PNC failed to provide proper notice, justification, or communication Ive experienced financial stress, repeated inconvenience, and time wasted traveling to branches and writing follow-ups 6. Urgency PNC promised to issue a check within 10 business days of closing my account. That timeline has long passed, and I still have no access to my funds. I am requesting your immediate help in resolving this issue and holding PNC accountable","date_sent_to_company":"2025-08-04T14:06:37.000Z","issue":"Problem with customer service","sub_product":"Money order, traveler's check or cashier's check","zip_code":"94066","tags":"Servicemember","has_narrative":true,"complaint_id":"15077225","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2025-08-04T13:36:27.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Complaint</em> Title Delayed check and Account Closure PNC Holding {$200000.00} Without Justification <em>Complaint</em> <em>Narrative</em> 1. Overview of the Problem On XX/XX/year>, I deposited two cashier check of $ XXXX that's amount the sum of $ XXXX."]},"sort":[10.592667,"15077225"]},{"_index":"complaint-public-v1","_id":"4595905","_score":10.522469,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Freedom mortgage has reported false and misleading information to all 3 credit bureaus regarding a late payment on my mortgage. No payment was ever late! ( see Freedom Mortgages attached response to XXXX complaint ) Facts are : There was a {$63.00} increase in my impound account - which was not communicated accurately to me by Freedom Mortgage.. In XXXX of XXXX I received notice from Freedom Mortgage, indicating that there was a shortage to my impound account of {$300.00}. When I spoke with a Freedom Mortgage representative, I was told that I could pay off the shortage or have it included in future payments. I paid it off on XX/XX/2021. That was that and I moved on, believing the issue was resolve. \n\nWhat I was not made aware of in that phone call, was that there was an additional $ 63 monthly increase. As such, I continued making my automatic bank pay normal payments of {$2000.00} on both XX/XX/2021 and XX/XX/2021. NO PAYMENT WAS EVER LATE!! As I recall, my 1st notice of the {$63.00} increase was via a call from Freedom Mortgage on XX/XX/2021 stating that the {$300.00} that I paid on XX/XX/2021 did not address the impound account increase of {$63.00}. They asked me to pay it over the phone right then, but I was in a conference with a client and advised them I would try to make it later that day. I got busy and forgot about the increase payment. I was not concerned as I knew that my house payments were on automatic payment from my bank and I had time to pay the increase. Payment bringing the entire account up to date was done within 13 days of receiving notice. \n\nI never in a million years thought that this {$63.00} impound increase would result in such punitive and intentionally destructive conduct by Freedom Mortgage. It wasnt like they paid out a single XXXX or that they were forced to cover the increase out of their funds. Not only are they aware that they have caused my credit to decrease by XXXX points ( which is amazing on its surface ), but they have even exaggerated their false narrative of late payments by reporting the account as \" NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE '' which shows their true intent on intentionally hurting my credit. Additionally, theyve made it clear they intend to report this for the next 7 years. If thats not vindictive and punitive conduct, I dont know what is. \n\nFreedom Mortgage says they are required by law to report accurately. They are in violation of that requirement, as they have admitted they received the timely {$2000.00} payment on XX/XX/XXXX, but placed it into an unapplied funds account. Freedom mortgage has deceived the 3 credit bureaus and will force me into litigation if this is not resolved fairly. \n\nI thank you in advance for your attention to this matter. \n\nRespectfully, XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-08-02T19:36:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95667","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4595905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2021-08-02T19:26:41.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They are in violation of that requirement, as they have admitted they received the timely {$2000.00} payment on XX/XX/XXXX, but <em>placed</em> it into an unapplied funds account. Freedom mortgage has deceived the 3 <em>credit</em> <em>bureaus</em> and will force me into litigation if this is not resolved fairly. \n\nI thank you in advance for your attention to this matter. \n\nRespectfully, XXXX XXXX XXXX XXXX XXXX XXXX"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.522469,"4595905"]},{"_index":"complaint-public-v1","_id":"20051512","_score":10.467712,"_source":{"product":"Credit card","complaint_what_happened":"Consumer Financial Protection Bureau Complaint Regarding Capital One Dispute Handling Complainant : XXXX XXXX Account : Capital One Credit Card Disputed Amount : {$2700.00} Transaction Date : XX/XX/XXXX Merchant : XXXX XXXX XXXX  I am filing this complaint regarding Capital Ones handling of my billing dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ).\n\nDISPUTE FACTS On XX/XX/XXXX, I purchased prepaid services totaling {$2700.00} ( {$2500.00} plus a 3.5 % credit card surcharge ). Approximately 15 hours later, on XX/XX/XXXX, I cancelled all future services. My cancellation was confirmed in writing via email. \n\nAt the time of purchase, I was not provided with any written refund or cancellation policy. No such policy appeared on my receipt, in the merchants app, or at the point of sale.\n\nAfter cancellation, the merchant confirmed that a refund check would be issued. A check was issued ; however, the merchant later placed a stop payment on that check. I obtained official documentation from XXXX XXXX XXXXXXXX confirming the stop payment. \n\nThe services were never rendered. \n\nDISPUTE TIMELINE WITH CAPITAL ONE XX/XX/XXXX Capital One denied the dispute, stating the merchant provided confirmation showing no cancellation per policy. \n\nXX/XX/XXXX I contacted Capital One and was instructed to provide additional documentation. \n\nXX/XX/XXXX ( XXXX  ) I submitted the following documentation : Cancellation confirmation email dated XX/XX/XXXX Text communications confirming cancellation Receipts showing no refund policy disclosure Copy of the issued refund check XXXX  XXXX XXXX documentation confirming stop payment on that check Written narrative explanation XX/XX/XXXX XXXX XXXX  Capital One denied the dispute again citing insufficient documentation. \n\nXX/XX/XXXX XXXX XXXX  I resubmitted all documentation along with written clarification. \n\nXX/XX/XXXX XXXX XXXX  Capital One issued a third denial within approximately 12 hours and advised that I resolve the matter directly with the merchant.\n\nCONCERN REGARDING REASONABLE INVESTIGATION Under 15 U.S.C. 1666 of the Fair Credit Billing Act, a creditor must conduct a reasonable investigation of a billing dispute before denying a claim.\n\nThe rapid denial timelines approximately three hours after documentation submission and approximately twelve hours after resubmission raise concern that a meaningful review of the submitted evidence may not have occurred.\n\nThe denial letters do not specify : What documentation was reviewed Why cancellation confirmation was insufficient Why stop-payment documentation was insufficient What specific information was missing This dispute concerns services not delivered as agreed and failure to disclose material terms at the time of sale.","date_sent_to_company":"2026-03-06T21:32:37.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"34711","tags":null,"has_narrative":true,"complaint_id":"20051512","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-03-06T21:05:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Consumer Financial Protection <em>Bureau</em> <em>Complaint</em> Regarding Capital One Dispute Handling Complainant : XXXX XXXX Account : Capital One <em>Credit</em> Card Disputed Amount : {$2700.00} Transaction Date : XX/XX/XXXX Merchant : XXXX XXXX XXXX  I am filing this <em>complaint</em> regarding Capital Ones handling of my billing dispute under the Fair <em>Credit</em> Billing Act ( 15 U.S.C. 1666 ).\n\nDISPUTE FACTS On XX/XX/XXXX, I purchased prepaid services totaling {$2700.00} ( {$2500.00} plus a 3.5 % <em>credit</em> card surcharge )."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[10.467712,"20051512"]},{"_index":"complaint-public-v1","_id":"11096926","_score":10.431442,"_source":{"product":"Credit card","complaint_what_happened":"Dear Sir/Madam, refused to fulfill his obligations.\n\nI am writing to express my profound disappointment regarding the decision made by Discover Bank concerning my dispute. My husband and I made an unfortunate choice to engage in business with an individual via social media who offered us a \" Done For You '' ( DFY ) service. This individual was supposed to establish a company in my husband 's name, manage advertising for us, and provide us with monthly payments. We paid him {$25000.00} for these services, commencing on XX/XX/year>, with the first payment expected on XX/XX/year>. However, we did not receive the payment. Upon contacting the merchant, he a dispute, as it was still within the time frame to do so. On XX/XX/year>, I filed a dispute with Discover Bank and XXXX XXXX, as we had made payments using both credit cards.\n\nUpon checking my According to our contract, we are entitled to a full refund if the service is not provided. Consequently, we requested the cancellation of the service, but the merchant has not responded. When we did not receive any reply, we contacted our bank to initiate Discover credit card app in XX/XX/XXXX, I discovered that they had ruled in favor of the merchant without notifying me. When I inquired about the reasoning behind this decision, Discover informed me that the merchant had provided proof. I requested to see this proof, and they stated that they would send a copy via mail, which I have yet to receive. When I asked why they could not email it to me, they claimed it was confidential. After a few days, I called again for the proof, and they finally emailed me a copy of the merchant 's documentation, which turned out to be a fake receipt and did not substantiate that the merchant had provided any service. The same receipt was submitted to XXXX XXXX. \n\nXXXX XXXX  contacted me the following day regarding the receipt and allowed us the opportunity to contest the decision until the very end, ultimately resulting in a favorable outcome for us. XXXX demonstrated genuine concern for their customers, whereas Discover provided exceptionally irresponsible service. I submitted the contract, as well as screenshots of messages exchanged between my husband and the merchant, via fax and uploaded them to their website, but received no response until I followed up for updates. They then placed me in a new situation, requesting proof that the merchant did not issue a refund. I find it unreasonable to provide such proof. Each time I call or chat with the bank, I encounter a different supervisor who presents a new narrative and varying circumstances. I have recorded all calls and saved all messages.\n\nI have filed a fraud complaint against the merchant with the FTC and sent a copy to Discover Bank ; however,\nthey seem indifferent to this matter and continue to favor the merchant. At this point, I am uncertain where to seek justice and recover my funds. I have submitted a complaint to the Michigan Department of Insurance and Financial Services, who advised me to contact the Consumer Financial Protection Bureau ( CFPB ).\n\nI am now reaching out to you for assistance in resolving this issue. I understand that this process may take time, but I wish to prevent others from experiencing similar situations. I can no longer trust Discover Bank, and my only hope lies with the Consumer Financial Protection Bureau.","date_sent_to_company":"2024-12-10T22:14:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"48317","tags":null,"has_narrative":true,"complaint_id":"11096926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-12-10T21:08:19.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["They then <em>placed</em> me in a new situation, requesting proof that the merchant did not issue a refund. I find it unreasonable to provide such proof. Each time I call or chat with the bank, I encounter a different supervisor who presents a new <em>narrative</em> and varying circumstances. I have recorded all calls and saved all messages."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[10.431442,"11096926"]},{"_index":"complaint-public-v1","_id":"14949866","_score":10.230596,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB COMPLAINT NARRATIVE Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Complaint Against : Resurgent Capital Services XXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX, DE XXXX Summary of Complaint : This complaint concerns serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by LVNV Funding LLC and its servicer, Resurgent Capital Services. \n\nLVNV is reporting a {$3100.00} debt on all of my credit reports, showing a recent open date of XX/XX/XXXX, and identifying itself as the original creditor. On XX/XX/XXXX, I formally disputed this tradeline in writing and sent a certified debt validation letter to both LVNV and Resurgent. \n\nInstead of validating this account, Resurgent Capital responded with an entirely different, unrelated, and time-barred debt one that has no connection to the debt I actually disputed, and which is not currently being reported on my credit file. \n\nThis response is deceptive, misleading, and violates federal consumer protection laws. It appears to be a deliberate evasion of my rights under the FDCPA and FCRA. \n\nDetailed Chronology : On XX/XX/XXXX, I sent a Certified Mail debt validation request to both LVNV Funding and Resurgent Capital Services, demanding validation of a debt reported to all three credit bureaus as follows : LVNV FUNDING LLC Balance : {$3100.00} Account Status : Open Date Opened : XX/XX/XXXXXXXX  Last Reported : XX/XX/XXXXXXXX  Remarks : Placed for Collection Original Creditor : LVNV FUNDING LLC This tradeline falsely identifies LVNV as the original creditor, despite LVNV being a well-known debt buyer not a lender or issuer. \n\nOn XX/XX/XXXX, Resurgent Capital Services responded by mailing me an \" Account Summary Report '' relating to a completely different account : Originally opened in XXXX  ; Charged off in XX/XX/XXXX ; Acquired by LVNV in XX/XX/XXXXXXXX  ; No connection whatsoever to the debt I disputed ; Not currently reported to the credit bureaus ; Time-barred under New Jerseys 6-year statute of limitations ( N.J. Stat. 2A:14-1 ). \n\nLegal Violations Identified : 1. Failure to Validate the Actual Debt in Dispute Per 15 U.S.C. 1692g ( b ), once a debt collector receives a written dispute, it must cease collection until the correct debt is validated. In this case : I requested validation of a debt currently reported on my credit file ; Resurgent and LVNV provided unrelated documents for an entirely different account ; They failed to validate the account that triggered the dispute.\n\nThis is a textbook FDCPA violation a failure to validate the correct debt, and a continued effort to collect through credit reporting in direct contravention of federal law. \n\n2. Furnishing False and Incomplete Credit Information ( FCRA 1681s-2 ) LVNV Funding is actively furnishing credit information that is : Inaccurate : They are not the original creditor, yet report themselves as such ; Incomplete : They have failed to mark the account as \" disputed '' following my written challenge ; Unverified : They failed to provide any legal documentation validating the specific tradeline being reported ; Potentially deceptive : Reporting a recent open date ( XX/XX/XXXXXXXX  ) on what is most likely a resurrected debt, creating a false sense of freshness to avoid FCRA limitations. \n\nThis conduct violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibition on furnishing information known to be inaccurate ; 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failure to flag the account as \" disputed '' ; 15 U.S.C. 1681s-2 ( b ) Failure to investigate and correct after receiving a dispute.\n\n3. Misleading and Deceptive Practices ( FDCPA 1692e and 1692f ) By responding to my lawful dispute with documents for an unrelated, expired, and legally uncollectible account, Resurgent and LVNV appear to be : Obfuscating the debts origin ; Evading responsibility for the actual account they reported ; Continuing to collect without proper documentation.\n\nSuch conduct violates the FDCPAs prohibitions on : False representation of the character, amount, or legal status of a debt ( 1692e ( 2 ) ( A ) ) ; Deceptive means to collect a debt ( 1692e ( 10 ) ) ; Unfair and unconscionable collection practices ( 1692f ).\n\nRequested Action by the CFPB : I respectfully request the Consumer Financial Protection Bureau take immediate enforcement action against LVNV Funding LLC and Resurgent Capital Services, L.P. based on : Failure to validate the correct debt in response to a direct dispute ; Furnishing inaccurate and unverified information to consumer reporting agencies ; Continuing collection activities on a disputed account without proper validation ; Misrepresenting account ownership and aging to possibly evade reporting rules. \n\nThis conduct harms not just me, but thousands of consumers nationwide who may be subject to similar deceptive tactics from these entities.\n\nRelief Sought : Immediate removal of the LVNV Funding tradeline from all consumer credit reports ; A written statement from LVNV and Resurgent confirming that : The reported account will be permanently deleted ; No further collection attempts will be made ; No other debts will be substituted or misused in response to consumer disputes ; Public regulatory sanctions and compliance orders against both companies ; Referral to the New Jersey Division of Consumer Affairs for possible state-level enforcement.\n\nSupporting Documents Attached : My certified debt validation letter dated XX/XX/XXXXXXXX  ; Credit report screenshots showing the LVNV Funding tradeline as of XX/XX/XXXXXXXX  ; The XX/XX/XXXXXXXX  response letter from Resurgent Capital ( for a different, expired account ) ; This complaint narrative. \n\nClosing Statement : I have acted in good faith to exercise my legal rights. In return, I have been met with misdirection, obfuscation, and inaccurate reporting. The CFPB must hold these entities accountable before more consumers are misled or financially harmed by these practices. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-29T18:14:22.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"14949866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-07-29T17:48:32.000Z","state":"NJ","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["CFPB <em>COMPLAINT</em> <em>NARRATIVE</em> Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX <em>Complaint</em> Against : Resurgent Capital Services XXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX, DE XXXX Summary of <em>Complaint</em> : This <em>complaint</em> concerns serious and ongoing violations 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