{"took":76,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":279,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10133725","_score":24.584473,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"After looking on the Secretary of State website for XXXX XXXX in which I live I have come to a conclusion that XXXX XXXX XXXX has violated my right by Extorting me for an alleged debt. I have requested A copy of XXXX XXXX XXXX registration to due business in my state which is XXXX XXXX XXXX The commissioner of XXXX requires all businesses to be registered with the Secretary of State. Also XXXX XXXX XXXX is required to have a permit from the commissioner of insurance of XXXX XXXX. XXXX XXXX XXXX is doing illegal business in XXXX XXXX and continue to attempt to collect an alleged debt. \n\nPlease provide proof of : Registration to do business in XXXX XXXX XXXX \nAlso provide a copy of your Insurance Permit from the commissioner of XXXX XXXX XXXX","date_sent_to_company":"2024-09-16T16:01:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20019","tags":null,"has_narrative":true,"complaint_id":"10133725","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-16T16:01:53.000Z","state":"DC","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":["I have requested A <em>copy</em> of XXXX XXXX XXXX <em>registration</em> to due <em>business</em> in my state which is XXXX XXXX XXXX The commissioner of XXXX <em>requires</em> all <em>businesses</em> to be registered with the Secretary of State. Also XXXX XXXX XXXX is <em>required</em> to have a permit from the commissioner of insurance of XXXX XXXX. XXXX XXXX XXXX is doing illegal <em>business</em> in XXXX XXXX and continue to attempt to collect an alleged debt."]},"sort":[24.584473,"10133725"]},{"_index":"complaint-public-v1","_id":"13722694","_score":19.90097,"_source":{"product":"Debt collection","complaint_what_happened":"a collection account that has appeared on my credit report, allegedly being handled by XXXX XXXX XXXX XXXX, doing business as XXXX. I do not recognize this debt, and I dispute its validity. This account does not belong to me and I request that you provide full validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. \n\nIn accordance with federal and Florida state law, I am requesting the following : Validation of the alleged debt, including : The name and address of the original creditor ; A copy of the original signed contract or agreement bearing my signature, showing that I agreed to the debt ; A complete itemized accounting of the alleged debt, including principal, interest, fees, and payments made ; A statement that clearly explains how the amount was calculated ; Proof that you have the legal right to collect on this debt ( e.g., chain of assignment if the debt was sold or transferred ). \n\nProof of your authorization to collect debt in the State of Florida, including : A copy of your license or registration to collect debts in Florida as required by Florida statutes ; Your Florida Office of Financial Regulation registration number, if applicable.","date_sent_to_company":"2025-05-26T14:58:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"13722694","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-26T14:45:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Proof of your authorization to collect debt in the State of Florida, including : A <em>copy</em> of your license or <em>registration</em> to collect debts in Florida as <em>required</em> by Florida statutes ; Your Florida Office of Financial Regulation <em>registration</em> number, if applicable."]},"sort":[19.90097,"13722694"]},{"_index":"complaint-public-v1","_id":"10908036","_score":19.504086,"_source":{"product":"Debt collection","complaint_what_happened":"( XXXX, XXXX ). I DO NOT CONSENT TO CONTRACT WITH THIS COMPANY NOR HAVE I EVER CONSENTED TO CONTRACT WITH THIS COMPANY. COMPANY HAS OBTAINED SENSITIVE INFORMATION ABOUT CONSUMER THAT WAS NOT IN WRITING AND CONSUMER DID NOT GIVE PERMISSION TO REPORT ANY FRAUDULENT ACCOUNTS ON CONSUMER REPORT. THIS IS NOW A LEGAL MATTER AND COMPANY ABSOLUTE RESOLUTIONS IS IN VIOLATION OF AGGRAVATED IDENTITY THEFT AMONGST OTHER VIOLATIONS THAT WILL BE ATTACHED. PLEASE PROVIDE A SIGNATURE FROM CONSUMER TYING CONSUMER TO DEBT. PLEASE ALSO PROVIDE 2 ADDITIONAL SIGNATURES TO SOLIDIFY THIS ACCOUNT THAT CONSUMER IS \" TIED '' TO. PLEASE ALSO PROVIDE THAT CONSUMER DID BUSINESS WITH ABSOLUTE RESOLUTIONS. PLEASE PROVIDE HOW ABSOLUTE RESOLUTION OBTAINED CONSUMER PERSONAL INFORMATION SUCH AS SOCIAL SECURITY NUMBER, DATE OF BIRTH, PHONE NUMBER, ETC. IF YOU CAN NOT PROVIDE NONE OF THIS INFORMATION, REMOVE THIS FRAUDULENT ACCOUNT OFF OF CONSUMER REPORT BECAUSE IT IS FRAUD. CONSUMER WILL INCLUDE FTC REPORT, ORDER TO CEASE AND DESIST, VIOLATIONS AND INTENT TO PURSUE LEGAL ACTION. YOU WILL BE PROSECUTED TO THE HIGHEST EXTENT IF YOU DO NOT REMOVE THIS OFF OF CONSUMER REPORT.\n\nThis CFPB complaint has been filed to request pursuant to FCRA15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 605B ( 15 U.S.C. 1681 c-2 ) that you the ABSOLUTE RESOLUTIONS, A DEBT COLLECTION COMPANY THAT IS NOT APART OF THE SEC OR NYSE. I HEAR BY DEMAND THIS COMPANY TO REMOVE THIS FRAUDULENT ACCOUNT OFF OF CONSUMER REPORT IMMEDIATELY. This information appearing on consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint shall be removed. This fraudulent, inaccurate, and false Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on consumer XXXX  credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. \n\nIn connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of XXXX, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX XXXX XXXX XXXX IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.","date_sent_to_company":"2024-11-24T06:36:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"29485","tags":null,"has_narrative":true,"complaint_id":"10908036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Absolute Resolutions Corp.","date_received":"2024-11-24T06:06:18.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This <em>Registration</em> Rights Agreement provides the Sponsors an unlimited number of demand <em>registrations</em>, which <em>require</em> us to register shares of our common stock under the Securities Act of XXXX, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf <em>registration</em> statement effective with respect to such shares."]},"sort":[19.504086,"10908036"]},{"_index":"complaint-public-v1","_id":"12960544","_score":19.166443,"_source":{"product":"Debt collection","complaint_what_happened":"COLLECTION AGENCY ABSOLUTE RESOLUTIONS XXXX : XXXX XXXX XXXX XXXX $ XXXX COLLECTION IS IN VIOLATION OF MY CONSUMER RIGHTS IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES/ ACCOUNTS REPORTED WAS FRAUD.COMPANY ABSOLUTE RESOLUTIONS HAS 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. PROVIDE THE DOCUMENTATION USED TO DETERMINE ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER SUCH AS ORIGINAL PROMISSORY NOTE, CONSUMER WET INK SIGNATURE. COLLECTION AGENCY HAS14 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. PROOF THAT THIS COMPANY COMMITTED AGGRAVATED IDENTITY THEFT. COLLECTION AGENCY DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. THIS COMPANY IS NOT APART OF THE BETTER BUSINESS BUREAU AND IS NOT A LEGIT COMPANY AND NOT ON THE NYSE. ( Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX XXXX XXXX IS SECURITIZING AND HARASSING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.","date_sent_to_company":"2025-04-13T03:45:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"29485","tags":null,"has_narrative":true,"complaint_id":"12960544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Absolute Resolutions Corp.","date_received":"2025-04-13T03:24:25.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["THIS COMPANY IS NOT APART OF THE BETTER <em>BUSINESS</em> BUREAU AND IS NOT A LEGIT COMPANY AND NOT ON THE NYSE. ( <em>Registration</em> Rights Agreement ) with certain affiliates of the Sponsors and certain members of management."]},"sort":[19.166443,"12960544"]},{"_index":"complaint-public-v1","_id":"20357736","_score":19.151674,"_source":{"product":"Debt collection","complaint_what_happened":"TO XXXX XXXX XXXX XXXX : DISCOVER. COMPANY DISCOVER IS IN VIOLATION OF MY CONSUMER RIGHTS IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES/ ACCOUNTS REPORTED WAS FRAUD.COMPANY ABSOLUTE RESOLUTIONS HAS XXXX  DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. PROVIDE THE DOCUMENTATION USED TO DETERMINE ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER SUCH AS ORIGINAL PROMISSORY NOTE, CONSUMER WET INK SIGNATURE. COLLECTION AGENCY XXXX DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( XXXX ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. PROOF THAT THIS COMPANY COMMITTED AGGRAVATED IDENTITY THEFT. COLLECTION AGENCY DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. THIS COMPANY IS NOT APART OF THE BETTER BUSINESS BUREAU AND IS NOT A LEGIT COMPANY AND NOT ON XXXX XXXXXXXX. ( Registration Rights Agreement ) with certain affiliates of the XXXX and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the XXXX and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX XXXX XXXX IS SECURITIZING AND HARASSING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.","date_sent_to_company":"2026-03-18T01:29:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"20357736","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2026-03-18T01:26:49.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["THIS COMPANY IS NOT APART OF THE BETTER <em>BUSINESS</em> BUREAU AND IS NOT A LEGIT COMPANY AND NOT ON XXXX XXXXXXXX. ( <em>Registration</em> Rights Agreement ) with certain affiliates of the XXXX and certain members of management."]},"sort":[19.151674,"20357736"]},{"_index":"complaint-public-v1","_id":"19566470","_score":18.904339,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX, XXXX financed a vehicle through Ally Financial under XXXX XXXX. XXXX. Ally Financial remains the lienholder. \n\nFor over XXXX months, XXXX XXXX XXXX has attempted to obtain a copy of the vehicle title or title memorandum required to comply with Pennsylvania Department of Transportation ( XXXX ) Section XXXX registration requirements. \n\nAlly Financial referred XXXX XXXX XXXX to XXXX XXXX XXXX to obtain the title documentation. XXXX XXXX XXXX has confirmed it can not release the title without authorization from Ally Financial. Ally Financial has not provided such authorization. \n\nA revised payment arrangement was executed with payments scheduled to resume XX/XX/year>. Despite this agreement, Ally Financial has not issued any updated XXXX documentation, written confirmation, or copy of the title. \n\nOn XX/XX/year>, XXXX XXXX XXXX submitted a formal Compliance Escalation and Pre-Litigation Demand via Allys secure customer portal, allowing XXXX ( XXXX ) business days to cure the issue. The cure period expired XX/XX/year>. Ally Financial has not responded. \n\nThe failure to provide title documentation is preventing compliance with state vehicle registration requirements and exposes XXXX XXXX XXXX to regulatory risk through no fault of the borrower. \n\nXXXX XXXX XXXX requests immediate release of XXXX proof of title or written authorization permitting release through XXXX title vendor.","date_sent_to_company":"2026-02-17T20:25:37.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"19566470","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2026-02-17T20:13:34.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["For over XXXX months, XXXX XXXX XXXX has attempted to obtain a <em>copy</em> of the vehicle title or title memorandum <em>required</em> to comply with Pennsylvania Department of Transportation ( XXXX ) Section XXXX <em>registration</em> requirements. \n\nAlly Financial referred XXXX XXXX XXXX to XXXX XXXX XXXX to obtain the title documentation. XXXX XXXX XXXX has confirmed it can not release the title without authorization from Ally Financial. Ally Financial has not provided such authorization."]},"sort":[18.904339,"19566470"]},{"_index":"complaint-public-v1","_id":"13290526","_score":18.812265,"_source":{"product":"Debt collection","complaint_what_happened":"FRAUDULENT COLLECTION AGENCY ABSOLUTE RESOLUTIONS LLC NOT A XXXX COMPANY. COLLECTION AGENCY ABSOLUTE RESOLUTIONS XXXX : XXXX XXXX XXXX XXXX {$23000.00}. VALIDATE THIS DEBT.THIS COLLECTION IS IN VIOLATION OF MY CONSUMER RIGHTS IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES/ ACCOUNTS REPORTED WAS FRAUD.COMPANY ABSOLUTE RESOLUTIONS HAS 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. PROVIDE THE DOCUMENTATION USED TO DETERMINE ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER SUCH AS ORIGINAL PROMISSORY NOTE, CONSUMER WET INK SIGNATURE. COLLECTION AGENCY HAS14 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. PROOF THAT THIS COMPANY COMMITTED AGGRAVATED IDENTITY THEFT. COLLECTION AGENCY DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. THIS COMPANY IS NOT APART OF THE BETTER BUSINESS BUREAU AND IS NOT A LEGIT COMPANY AND NOT ON THE XXXX. ( Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX XXXX XXXX IS SECURITIZING AND HARASSING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.","date_sent_to_company":"2025-05-02T02:41:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"29485","tags":null,"has_narrative":true,"complaint_id":"13290526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-02T02:34:36.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["THIS COMPANY IS NOT APART OF THE BETTER <em>BUSINESS</em> BUREAU AND IS NOT A LEGIT COMPANY AND NOT ON THE XXXX. ( <em>Registration</em> Rights Agreement ) with certain affiliates of the Sponsors and certain members of management."]},"sort":[18.812265,"13290526"]},{"_index":"complaint-public-v1","_id":"7937429","_score":18.68304,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX, I deposited {$20000.00} to my Veem wallet to make payments for my business. In order to make that deposit, I previously needed to upload a slew of verification documents on or near XX/XX/XXXX, including the front and back of my driver 's license, a selfie of me holding my driver 's license, a bank statement from the debit card where the funds were located from, a copy of my business registration, and a description of my business. On XX/XX/XXXX, I received notice that my account was fully verified and able to be used. \n\nAround XX/XX/XXXX, I decided that Veem was too cumbersome for my needs compared to a traditional bank so I submitted a request to withdraw my funds back to my business checking account. The attempt to do that seemed to have locked my account, and Veem then required verification of \" a credit card statement, '' though no credit card had been used on the account. Furthermore, they told me to upload this information to a location of the interface that does not exist. \n\nOn XX/XX/XXXX, I contacted support to find out how to get the funds released, and their response was : \" Upon checking your account, I can see that this has been canceled because this is not the correct manner to withdraw the funds from your Veem wallet. '' The rep then linked to a support page that outlined the exact steps I followed. I resubmitted the withdrawal on the XXXX using the steps in the support document just in case, but they still wouldn't release the funds. On XX/XX/XXXX, they notified me that they needed to verify the statement from my business checking account, even though they already received my verification information digitally when I linked the account with XXXX. They again told me to upload the document to a part of the interface that didn't exist, so I emailed my statement directly to the support rep. By XX/XX/XXXX, I still didn't hear anything, so I called support and they requested *another* copy of my debit card bank statement, even though I had previously provided it to them. \n\nAt this point, they have still not approved the transaction and released the funds even though they have all of the statements and documentation for both the source and the destination account, verification that I have the username and password for the destination account through XXXX, my ID, my business registration, and my business information. There's literally nothing else left for them to verify, and no traditional bank would even require this level of verification for a pretty basic transaction.","date_sent_to_company":"2023-12-02T13:17:28.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"48009","tags":null,"has_narrative":true,"complaint_id":"7937429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Veem  Inc.","date_received":"2023-12-02T13:15:03.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I deposited {$20000.00} to my Veem wallet to make payments for my <em>business</em>. In order to make that deposit, I previously needed to upload a slew of verification documents on or near XX/XX/XXXX, including the front and back of my driver 's license, a selfie of me holding my driver 's license, a bank statement from the debit card where the funds were located from, a <em>copy</em> of my <em>business</em> <em>registration</em>, and a description of my <em>business</em>."]},"sort":[18.68304,"7937429"]},{"_index":"complaint-public-v1","_id":"20357465","_score":18.594257,"_source":{"product":"Debt collection","complaint_what_happened":"TO XXXX XXXX XXXX XXXX  : FRAUDULENT COLLECTION AGENCY CHECK N GO NOT A XXXX COMPANY. COLLECTION AGENCY CHECK N GO XXXX COLLECTION IS IN VIOLATION OF MY CONSUMER RIGHTS IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES/ ACCOUNTS REPORTED WAS FRAUD.COMPANY ABSOLUTE RESOLUTIONS HAS XXXX DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. PROVIDE THE DOCUMENTATION USED TO DETERMINE ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER SUCH AS ORIGINAL PROMISSORY NOTE, CONSUMER WET INK SIGNATURE. COLLECTION AGENCY HAS XXXX DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( XXXX ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. PROOF THAT THIS COMPANY COMMITTED AGGRAVATED IDENTITY THEFT. COLLECTION AGENCY DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. THIS COMPANY IS NOT APART OF THE BETTER BUSINESS BUREAU AND IS NOT A LEGIT COMPANY AND NOT ON XXXX  XXXX. ( XXXX XXXX XXXX XXXX with certain affiliates of the XXXX and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the XXXX and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX XXXX XXXX IS SECURITIZING AND HARASSING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.","date_sent_to_company":"2026-03-18T01:16:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"20357465","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CNG FINANCIAL CORPORATION","date_received":"2026-03-18T01:13:25.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This <em>Registration</em> Rights Agreement provides the Sponsors an unlimited number of demand <em>registrations</em>, which <em>require</em> us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf <em>registration</em> statement effective with respect to such shares."]},"sort":[18.594257,"20357465"]},{"_index":"complaint-public-v1","_id":"13700956","_score":18.043568,"_source":{"product":"Debt collection","complaint_what_happened":"collection account that has appeared on my credit report, allegedly being handled by Columbia Debt Recovery LLC, doing business as Genesis. I do not recognize this debt, and I dispute its validity. This account does not belong to me and I request that you provide full validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. \n\nIn accordance with federal and XXXX  state law, I am requesting the following : Validation of the alleged debt, including : The name and address of the original creditor ; A copy of the original signed contract or agreement bearing my signature, showing that I agreed to the debt ; A complete itemized accounting of the alleged debt, including principal, interest, fees, and payments made ; A statement that clearly explains how the amount was calculated ; Proof that you have the legal right to collect on this debt ( e.g., chain of assignment if the debt was sold or transferred ). \n\nProof of your authorization to collect debt in the State of XXXX, including : A copy of your license or registration to collect debts in XXXX  as required by XXXX  statutes ; Your XXXX XXXX XXXX XXXX XXXX registration number, if applicable. \n\nPlease be advised that until you provide the requested validation, you must cease all collection activities, including reporting to the credit bureaus. Additionally, if you can not provide adequate validation, this account must be deleted from all credit reporting agencies. \n\nUnder the FDCPA, you are required to cease collection efforts until you provide the information requested. Any continued attempts to collect without proper validation may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals office.","date_sent_to_company":"2025-05-24T19:28:31.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"13700956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2025-05-24T19:28:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Proof of your authorization to collect debt in the State of XXXX, including : A <em>copy</em> of your license or <em>registration</em> to collect debts in XXXX  as <em>required</em> by XXXX  statutes ; Your XXXX XXXX XXXX XXXX XXXX <em>registration</em> number, if applicable. \n\nPlease be advised that until you provide the requested validation, you must cease all collection activities, including reporting to the credit bureaus."]},"sort":[18.043568,"13700956"]},{"_index":"complaint-public-v1","_id":"13701107","_score":18.015265,"_source":{"product":"Debt collection","complaint_what_happened":"collection account that has appeared on my credit report, allegedly being handled by XXXX XXXX XXXX XXXX, doing business as XXXX. I do not recognize this debt, and I dispute its validity. This account does not belong to me and I request that you provide full validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.\n\nIn accordance with federal and XXXX  state law, I am requesting the following : Validation of the alleged debt, including : The name and address of the original creditor ; A copy of the original signed contract or agreement bearing my signature, showing that I agreed to the debt ; A complete itemized accounting of the alleged debt, including principal, interest, fees, and payments made ; A statement that clearly explains how the amount was calculated ; Proof that you have the legal right to collect on this debt ( e.g., chain of assignment if the debt was sold or transferred ). \n\nProof of your authorization to collect debt in the State of XXXX, including : A copy of your license or registration to collect debts in XXXX as required by XXXX  statutes ; Your XXXX  XXXX XXXX XXXX XXXX registration number, if applicable. \n\nPlease be advised that until you provide the requested validation, you must cease all collection activities, including reporting to the credit bureaus. Additionally, if you can not provide adequate validation, this account must be deleted from all credit reporting agencies. \n\nUnder the FDCPA, you are required to cease collection efforts until you provide the information requested. Any continued attempts to collect without proper validation may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals office.","date_sent_to_company":"2025-05-24T19:28:27.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"13701107","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-24T19:15:34.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Proof of your authorization to collect debt in the State of XXXX, including : A <em>copy</em> of your license or <em>registration</em> to collect debts in XXXX as <em>required</em> by XXXX  statutes ; Your XXXX  XXXX XXXX XXXX XXXX <em>registration</em> number, if applicable. \n\nPlease be advised that until you provide the requested validation, you must cease all collection activities, including reporting to the credit bureaus."]},"sort":[18.015265,"13701107"]},{"_index":"complaint-public-v1","_id":"10384080","_score":17.749666,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is \" written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC XXXX ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC XXXX REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC XXXX SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.","date_sent_to_company":"2024-10-08T14:50:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10384080","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-08T14:50:03.000Z","state":"SC","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":["This <em>Registration</em> Rights Agreement provides the Sponsors an unlimited number of demand <em>registrations</em>, which <em>require</em> us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf <em>registration</em> statement effective with respect to such shares."]},"sort":[17.749666,"10384080"]},{"_index":"complaint-public-v1","_id":"10380030","_score":17.677332,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is \" written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.","date_sent_to_company":"2024-10-08T14:41:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10380030","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-08T14:41:03.000Z","state":"SC","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":["This <em>Registration</em> Rights Agreement provides the Sponsors an unlimited number of demand <em>registrations</em>, which <em>require</em> us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf <em>registration</em> statement effective with respect to such shares."]},"sort":[17.677332,"10380030"]},{"_index":"complaint-public-v1","_id":"12274533","_score":17.497458,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Business Information ( Dealership ) Business Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : [ Dealership Contact, if available ] Business Information ( Lender ) Business Name : Santander Consumer USA Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : ( XXXX ) XXXX Nature of the Complaint I am filing a formal complaint against XXXX XXXX and Santander Consumer USA for engaging in deceptive trade practices, negligent lending, and violations of Florida and federal consumer protection laws. \n\nXXXX XXXX sold me a vehicle without transferring the title in compliance with Florida law. \nSantander Consumer USA approved financing for a vehicle that was not legally transferred to me at the time of loan issuance. \nBoth parties have failed to address my formal dispute and have refused to remedy the defective transaction. \nIssue Summary On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX : XXXX ) from XXXX  XXXX XXXX XXXX ). \nFlorida law ( F.S. 319.23 ) requires that a dealership transfer the vehicle title to the buyer within 30 days of sale. \nThe dealership failed to transfer the title within the required timeframe, and it was not transferred until XX/XX/XXXX, which exceeds the legal deadline. \nAt the time Santander approved the loan, the title was not legally in my name, making the financing agreement invalid. \nMy temporary registration expired on XX/XX/XXXX, leaving me unable to legally drive the vehicle. \nOn XX/XX/XXXX, I sent a formal demand letter via registered mail to XXXX XXXX and Santander requesting cancellation of the sale and loan. \nNeither party has responded or taken any corrective action. \nConsumer Protection Violations 1 Violations by XXXX XXXX ( XXXX ) Deceptive Trade Practices XXXX  XXXX engaged in unfair and deceptive trade practices by selling a vehicle without properly handling the title transfer. \nFlorida Statute 319.23 ( 6 ) ( a ) requires dealers to transfer a title within 30 daysfailure to do so makes the sale legally defective. \nThe temporary registration expired on XX/XX/XXXX, making the vehicle undrivable and exposing me to legal penalties. \nDespite being served a formal demand via certified mail on XX/XX/XXXX, XXXX XXXX has failed to respond or take action. \nLegal Violations : Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) ( F.S. 501.204 ) prohibits deceptive business practices.\n\nFailure to transfer a title within the legal timeframe constitutes a breach of contract.\n\n2 Violations by Santander Consumer USA ( Lender ) Negligent Lending and Predatory Financing Santander approved financing for a vehicle that was not legally transferred to me at the time of loan issuance.\n\nFlorida Statute 319.22 ( 1 ) states that a certificate of title must be properly executed to legally transfer ownership.\n\nBy financing a vehicle before verifying that I legally owned it, Santander engaged in negligent lending practices.\n\nSantander has refused to acknowledge or respond to my formal dispute regarding the defective transaction.\n\nLegal Violations : The Fair Credit Billing Act ( FCBA ) requires lenders to properly investigate disputes related to defective transactions.\n\nThe Consumer Financial Protection Act ( CFPA ) prohibits predatory lending.\n\nThe Federal Truth in Lending Act ( TILA ) requires lenders to ensure the accuracy and legitimacy of financing agreements.\n\nImpact of These Violations Financial harm Emotional distress My ability to use the vehicle has been restricted due to an expired temporary registration.\n\nLegal defect in the sale and loan The dealerships failure to comply with Florida law should render the transaction void.\n\nRequested Actions from CFPB I request that the Consumer Financial Protection Bureau take the following actions : Investigate XXXX  XXXX for violations of Florida consumer protection laws and deceptive trade practices. \nInvestigate Santander Consumer USA for negligent lending and predatory financing. \nRequire XXXX XXXX to retrieve the vehicle and void the sale. \nRequire Santander to cancel the loan and refund all payments made. \nEnforce penalties against both parties for violating consumer protection laws. \nSupporting Documents Included Copy of Vehicle Registration showing issue and expiration date.\n\nCopy of Purchase Agreement/Contract from the dealership.\n\nCertified Mail Receipt and Copy of the Demand Letter Sent to XXXX XXXX and Santander on XX/XX/XXXX. \nAny correspondence with XXXX XXXX and Santander regarding the loan dispute and delayed title transfer. \n\nConclusion The actions of XXXX XXXX and Santander Consumer USA violate federal and state consumer protection laws. I respectfully request that the CFPB investigate this matter and take appropriate enforcement actions. \n\nPlease confirm receipt of this complaint and provide next steps. I look forward to a resolution of this issue. \n\nSincerely,","date_sent_to_company":"2025-03-02T00:26:41.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"32712","tags":null,"has_narrative":true,"complaint_id":"12274533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-03-01T23:55:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Did not receive car title"},"highlight":{"complaint_what_happened":["<em>Require</em> XXXX XXXX to retrieve the vehicle and void the sale. \n<em>Require</em> Santander to cancel the loan and refund all payments made. \nEnforce penalties against both parties for violating consumer protection laws. \nSupporting Documents Included <em>Copy</em> of Vehicle <em>Registration</em> showing issue and expiration date.\n\n<em>Copy</em> of Purchase Agreement/Contract from the dealership.\n\nCertified Mail Receipt and <em>Copy</em> of the Demand Letter Sent to XXXX XXXX and Santander on XX/XX/XXXX."]},"sort":[17.497458,"12274533"]},{"_index":"complaint-public-v1","_id":"10793751","_score":17.328426,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX, XXXX ), ( XX/XX/XXXX ). ACCOUNTS XXXX XXXX. TRANSUNION WILL NOT REMOVE HARMFUL AND FRAUDULENT INFORMATION OFF OF CONSUMER CREDIT REPORT AFTER DOCUMENTATION FROM COMPANY XXXX XXXX HAS BEEN RECEIVED BY CERTIFIED MAIL, ONLINE PORTAL, AND THROUGH CFPB WEBSITE, SUCH AS A 1099-C ( CANCELLATION OF DEBT, MEANS CONSUMER DOES NOT OWE A BALANCE. ) XXXXXXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND DOCUMENTATION HAS BEEN PROVIDED. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is \" written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( XXXX ) appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES AND ACCOUNTS THAT ARE REPORTED, IS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLC TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 4 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. ( WHICH TRANSUNION FAILS TO DO. COMPLAINTS HAVE BEEN SENT TO THIS COMPANY SEVERAL TIMES WITH THE DOCUMENTATION FOR FRAUDULENT ACCOUNTS TO BE REMOVED. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights AgreemenXXXX also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.","date_sent_to_company":"2024-11-14T22:46:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10793751","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-14T22:25:44.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["This <em>Registration</em> Rights Agreement provides the Sponsors an unlimited number of demand <em>registrations</em>, which <em>require</em> us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf <em>registration</em> statement effective with respect to such shares."]},"sort":[17.328426,"10793751"]},{"_index":"complaint-public-v1","_id":"10420468","_score":17.328426,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"( XXXX, XXXX ), ( XX/XX/XXXX ). CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROVIDED A 1099 - C ( CANCELLATION OF DEBT ) AND XXXX XXXX XXXX XXXX PROVIDED A 1099-C ( CANCELLATION OF DEBT ). TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE ACCOUNTS WERE INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 4 DAYS TO PROVIDE CONSUMER WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED, ALL FRAUDULENT ACCOUNTS MUST BE REMOVED ASAP! SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT. \n\n( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605C ( 15 U.S.C. 1681 c-2 ) that you the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is \" written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.","date_sent_to_company":"2024-10-11T15:29:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10420468","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-11T15:29:30.000Z","state":"SC","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":["This <em>Registration</em> Rights Agreement provides the Sponsors an unlimited number of demand <em>registrations</em>, which <em>require</em> us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf <em>registration</em> statement effective with respect to such shares."]},"sort":[17.328426,"10420468"]},{"_index":"complaint-public-v1","_id":"10351962","_score":17.328426,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the TRANS UNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is \" written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. DO NOT VERIFY THIS THROUGH THE E-OSCAR SYSTEM, VERIFY INFORMATION WITH A HUMAN. CONSUMER WANTS THE NAME OF THE PERSON THAT IS VERIFYING THIS INFORMATION AND ALL CREDENTIALS. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( XXXX ) appearing on consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. Consumer has attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.CREDIT BUREAU : XXXX XXXX TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX AND XXXX XXXX CREDIT UNION . XXXX XXXX TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. XXXX XXXXXXXX REPORT ( XXXX ) WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which XXXX arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.","date_sent_to_company":"2024-10-04T03:20:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10351962","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-04T03:20:08.000Z","state":"SC","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":["This <em>Registration</em> Rights Agreement provides the Sponsors an unlimited number of demand <em>registrations</em>, which <em>require</em> us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf <em>registration</em> statement effective with respect to such shares."]},"sort":[17.328426,"10351962"]},{"_index":"complaint-public-v1","_id":"10351959","_score":17.328426,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the TRANS UNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is \" written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. DO NOT VERIFY THIS THROUGH THE E-OSCAR SYSTEM, VERIFY INFORMATION WITH A HUMAN. CONSUMER WANTS THE NAME OF THE PERSON THAT IS VERIFYING THIS INFORMATION AND ALL CREDENTIALS. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( XXXX ) appearing on consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. Consumer has attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX AND XXXX XXXX CREDIT UNION . TRANS UNION/ TRANS UNION LLC XXXX OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVEDXXXX XXXX XXXXXXXX REPORT ( XXXX ) WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNIONXXXX TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.","date_sent_to_company":"2024-10-04T03:20:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10351959","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-04T03:20:08.000Z","state":"SC","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":["This <em>Registration</em> Rights Agreement provides the Sponsors an unlimited number of demand <em>registrations</em>, which <em>require</em> us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf <em>registration</em> statement effective with respect to such shares."]},"sort":[17.328426,"10351959"]},{"_index":"complaint-public-v1","_id":"10379325","_score":17.31552,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX CONSUMER HAS PROVIDED A 1099 C ( CANCELLATION OF DEBT ) AND FRAUDULENT LETTER FROM XXXX XXXX XXXX XXXX AND COMPANY AND TRANS UNION WILL NOT REMOVE FRAUDULENT ACCOUNTS.TRANSUNION/ TRANSUNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. CONSUMER INFORMATION HAS BEEN INVOLVED IN ALL XXXX CREDIT BUREAUS DATA BREACHES. XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 4 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of XXXX, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT. ( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605C ( 15 U.S.C. 1681 c-2 ) that you the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is \" written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.","date_sent_to_company":"2024-10-08T23:47:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10379325","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-08T23:47:31.000Z","state":"SC","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":["This <em>Registration</em> Rights Agreement provides the Sponsors an unlimited number of demand <em>registrations</em>, which <em>require</em> us to register shares of our common stock under the Securities Act of XXXX, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf <em>registration</em> statement effective with respect to such shares."]},"sort":[17.31552,"10379325"]},{"_index":"complaint-public-v1","_id":"10352204","_score":17.29761,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the TRANS UNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is \" written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. DO NOT VERIFY THIS THROUGH THE E-OSCAR SYSTEM, VERIFY INFORMATION WITH A HUMAN. CONSUMER WANTS THE NAME OF THE PERSON THAT IS VERIFYING THIS INFORMATION AND ALL CREDENTIALS. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. Consumer has attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX AND XXXX XXXX XXXX XXXX . TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT ( XXXX ) WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.","date_sent_to_company":"2024-10-04T03:19:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10352204","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-04T03:05:21.000Z","state":"SC","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":["This <em>Registration</em> Rights Agreement provides the Sponsors an unlimited number of demand <em>registrations</em>, which <em>require</em> us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf <em>registration</em> statement effective with respect to such shares."]},"sort":[17.29761,"10352204"]},{"_index":"complaint-public-v1","_id":"16073931","_score":17.129585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, XXXX ), ( XX/XX/XXXX ). FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Trans Union , and XXXX XXXX XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of attempted open accounts. FTC Report Identity Theft Criminal Complaint number ( XXXX ). PLEASE REMOVE ALL FRAUDULENT INQUIRIES OFF OF CONSUMER CREDIT REPORT. TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES AND ACCOUNTS THAT ARE REPORTED, IS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX XXXX XXXX HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLC TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 4 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. ( WHICH TRANSUNION FAILS TO DO. COMPLAINTS HAVE BEEN SENT TO THIS COMPANY SEVERAL TIMES WITH THE DOCUMENTATION FOR FRAUDULENT ACCOUNTS TO BE REMOVED. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of XXXX, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.","date_sent_to_company":"2025-09-22T06:00:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29485","tags":null,"has_narrative":true,"complaint_id":"16073931","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-22T04:19:39.000Z","state":"SC","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":["This <em>Registration</em> Rights Agreement provides the Sponsors an unlimited number of demand <em>registrations</em>, which <em>require</em> us to register shares of our common stock under the Securities Act of XXXX, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf <em>registration</em> statement effective with respect to such shares."]},"sort":[17.129585,"16073931"]},{"_index":"complaint-public-v1","_id":"12686611","_score":17.097935,"_source":{"product":"Checking or savings account","complaint_what_happened":"We registered a new XXXX with the State Of New Jersey Division Of Revenue on XX/XX/year>2025. Because we had reserved the name in advance, we were required to submit the registration using a paper form which we completed and submitted at the physical office for The State Of New Jersey Division Of Revenue in XXXX, NJ. The document given to us clearly states on the top that This form constitutes your original certificate of incorporation / formation / registration / authority ( copy of form attached ). \nUpon taking this form to Chase Bank on XX/XX/scrub> 2025, with XXXX XXXX in the XXXX PA branch. She informed us they could not accept the form because it is not something they are accustomed to seeing, as most people are able to register their business online. Hence, we could not open our account. Opening the account with Chase Bank is important because we have several other business accounts with Chase Bank and having an account at another bank is very inconvenient and time-consuming. \n\nHoping we could get an alternative form, we went to the physical office of The State Of New Jersey Division Of Revenue in XXXX, NJ on XXXX of XX/XX/year>2025 and asked if we can get another form of certificate of formation for the XXXX. The Division Of Revenue informed us that this is the only form that we will get for this XXXX and there is no other form that can be produced. \n\nWe then also were able to get a certificate of good standing from the state of New Jersey for the XXXX. \n\nOn Wednesday, XX/XX/year>2025, I had a meeting with XXXX XXXX who then called XXXX XXXX who both again informed us that they could not accept the form given to us by the State Of New Jersey, and the Certificate Of Good Standing did not matter.","date_sent_to_company":"2025-03-27T18:45:59.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"08618","tags":null,"has_narrative":true,"complaint_id":"12686611","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-03-27T18:22:41.000Z","state":"NJ","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["Because we had reserved the name in advance, we were <em>required</em> to submit the <em>registration</em> using a paper form which we completed and submitted at the physical office for The State Of New Jersey Division Of Revenue in XXXX, NJ. The document given to us clearly states on the top that This form constitutes your original certificate of incorporation / formation / <em>registration</em> / authority ( <em>copy</em> of form attached )."]},"sort":[17.097935,"12686611"]},{"_index":"complaint-public-v1","_id":"10378485","_score":17.087036,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is \" written off '' meaning paid with a XXXX C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( XXXX ) appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. CREDIT BUREAU : XXXX XXXX TRANS UNION LLC XXXX ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LLC XXXX OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC XXXX REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING XXXX XXXX TRANS UNION XXXX XXXX THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. XXXX XXXX TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( XXXX ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF XXXX XXXX TRANS UNION LLC XXXX NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. XXXX XXXX XXXX XXXX LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the XXXX and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities XXXX of XXXX, as amended ( the Securities XXXX ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the XXXX and members of management party to the XXXX Rights XXXX is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the XXXX XXXX that we XXXX undertake. The XXXX Rights XXXX also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which XXXX arise under the Securities XXXX. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX TRANS UNION LLC XXXX SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.","date_sent_to_company":"2024-10-08T14:49:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10378485","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-08T14:42:39.000Z","state":"SC","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":["This <em>Registration</em> Rights Agreement provides the Sponsors an unlimited number of demand <em>registrations</em>, which <em>require</em> us to register shares of our common stock under the Securities XXXX of XXXX, as amended ( the Securities XXXX ), held by the Sponsors and, if requested, to maintain a shelf <em>registration</em> statement effective with respect to such shares."]},"sort":[17.087036,"10378485"]},{"_index":"complaint-public-v1","_id":"13242429","_score":16.982328,"_source":{"product":"Checking or savings account","complaint_what_happened":"Multiple date at diifent Banco Popular brances in XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, on XXXX  XX/XX/XXXX,. I provided the brance manager with the required EIN number under my business name \" XXXX XXXX XXXX XXXX XXXX '' the bank managers refused to allow me to open up abusiness account because I didn't have the required XXXX XXXX XXXX XXXX XXXXXXXX at the time, on the XXXX I went and obtained the required XXXXXXXX XXXX XXXX XXXX XXXXXXXX Registration number as required, on XX/XX/XXXX. Branch at XXXX XXXX  XXXX Assistant XXXX XXXX XXXX declined to allow me to open a business account after proviging her with the required information as noted, they claim that the name of my XXXX \" XXXX XXXX XXXX XXXX '' was not suitable to established an account simply because I had chosen this name which they claim doesn't reflect it's intended purpose, since I had purchased a multiple dwelling unit in XXXX on XX/XX/year>, I simply wanted to ustilize this name as my XXXX, they went on to question me concerning my residential status as to whether I would be applying for XXXX XXXX, XXXX or Act XXXX which has nothing to do with opening a business account, XXXX branch manager said that she would allow me to open my account with my valid US Passport, XXXX XXXX  XXXX a copy of my social security number while the othe branch XXXX had declined in saying that I would need an original copy of my social security number, in addition this branch manager requested a copy of my home titled and reviewed it page by page and stated that the title description was inaccurate since I had mentioned to her that the property was a 3 unit property and not a two unit as described on the property title. I went on to mention that I had purchased the property in cash ( bank certified check ) because I was purchasing the property \" as is '' unknowingly to me that the property had an additional unit that was not recored on record, my question to her was what does that have to do with me in requesting to opening an account with Banco Popular, she began to question whether I would rent or Airbnb the unit ( XXXX ). I told here that for the time being I will utilize XXXX of the units as my vacation home and the othe unit I will either rent of Airbnb the unit ( XXXX ) once the renovation work is completed, this brance manager had directed me to go to the local Social Security Administration office and request for a certified copy of my social security number, after going to the local social security office I was informed that it would take at least 10 to 14 business day for me to receive my social security card by mail, the case manager that was handling my request said that there was no way of her certifying my request for a certified copy and that she can only provide me with a print out form which would only show that I have requested for a copy of my social security number. I find that their practices to be invasive and intrusive in going above and beyound what was required according to banking regulation. I simply wanted to open a business account because I have contractors that are doing multiple task renovation work on my new purchase property and some contractors would not accept my banking checks from XXXX XXXX XXXX simply because they would take too long to clear, also the importance of estatblishing a business account here is because I do need to keep an adquate account on my expeditures of my expenses here for tax filing and tax deduction purposes. I am a license real estat sale agent in XXXX, NY, a propery manager and owner that owns several properties in XXXX, NY as well as being a stock day trader. I provided all this information to the when asked. The banks have copies of my business EIN number, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, my US valid Passport that was presented to them, copy of my social security number and a copy of my contractual title of the property that I had purchased at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.","date_sent_to_company":"2025-05-22T15:52:02.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"009XX","tags":"Older American","has_narrative":true,"complaint_id":"13242429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANCO POPULAR DE PUERTO RICO","date_received":"2025-04-29T09:58:49.000Z","state":"PR","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I provided the brance manager with the <em>required</em> EIN number under my <em>business</em> name \" XXXX XXXX XXXX XXXX XXXX '' the bank managers refused to allow me to open up abusiness account because I didn't have the <em>required</em> XXXX XXXX XXXX XXXX XXXXXXXX at the time, on the XXXX I went and obtained the <em>required</em> XXXXXXXX XXXX XXXX XXXX XXXXXXXX <em>Registration</em> number as <em>required</em>, on XX/XX/XXXX."]},"sort":[16.982328,"13242429"]},{"_index":"complaint-public-v1","_id":"10698112","_score":16.918419,"_source":{"product":"Debt collection","complaint_what_happened":"ACCOUNT XXXX XXXX. CREDIT BUREAU : TRANSUNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX. TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE REMOVED THIS FRAUDULENT ACCOUNT OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNT HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 4 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT SO PLEASE DO NOT INVESTIGATE WITH E-OSCAR SYSTEM, BECAUSE THIS ACCOUNT IS FRAUDULENT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT. ( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is \" written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. 1099 -C IS A LEGAL DOCUMENT FROM THE COMPANY XXXX XXXX AND THE IRS THAT DEBT HAS BEEN PAID. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. PLEASE SEND LETTER OF DELETION ONLY TO THE CONSUMER 'S ADDRESS. DO NOT SEND ANY OTHER DOCUMENTATION. AGAIN ONLY SEND LETTER OF DELETION TO CONSUMER 'S ADDRESS. \n\nPROVIDE PROOF OF ORIGINAL PROMISSORY NOTE WITH 3 WET INK SIGNATURES, PROOF OF WRITTEN CONSENT LETTER FROM CONSUMER THAT ANY BUREAU CAN REPORT ON CREDIT REPORTS","date_sent_to_company":"2024-11-06T04:42:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10698112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-06T04:29:38.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["This <em>Registration</em> Rights Agreement provides the Sponsors an unlimited number of demand <em>registrations</em>, which <em>require</em> us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf <em>registration</em> statement effective with respect to such shares."]},"sort":[16.918419,"10698112"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":279,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":279}]}},"product":{"doc_count":279,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":94,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":35},{"key":"Mortgage debt","doc_count":18},{"key":"Credit card debt","doc_count":14},{"key":"Other debt","doc_count":8},{"key":"Auto debt","doc_count":7},{"key":"Medical debt","doc_count":4},{"key":"Rental debt","doc_count":3},{"key":"Payday loan 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