{"took":992,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":89,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6021529","_score":17.43378,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2022 I submitted a complaint concerning a problem with the credit reporting company 's investigation into an existing problem. Two accounts are being reported inaccurately : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. \n\nAccording to the FRCA the term investigative consumer report means, \" a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' This never took place. Although the investigation was said to be verified, a proper investigation was never completed. \n\nFurthermore, 15 USC 1681 ensures that all information reporting must be accurate. When provided with documented proof that both accounts in question are not being reported accurately, the company 's response was, \" Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently. '' Is this to suggest they can pick and choose which laws to adhere to while dismissing others at their discretion? \n\nAdditionally, I never gave the company written instruction to furnish said information as per 15 USC 1681b ( 2 ).","date_sent_to_company":"2022-09-26T20:00:36.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60619","tags":null,"has_narrative":true,"complaint_id":"6021529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-26T19:16:58.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/2022 I submitted a complaint concerning a <em>problem</em> with the <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. Two accounts are being <em>reported</em> inaccurately : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.43378,"6021529"]},{"_index":"complaint-public-v1","_id":"1722749","_score":16.77644,"_source":{"product":"Debt collection","complaint_what_happened":"One Main Financial is reporting incorrect loan information to all XXXX of the credit reporting agencies. The loan I took out was established XX/XX/2015 as an unsecured personal loan. This company is labeling the account an auto loan and reporting it the same. This information is incorrect and I 've disputed this with all three credit reporting agencies faxing proof of documentation from my existing loan forms to them. XXXX is the only CRA that is still reporting after 30 days of review/research as this is still a valid coded account. I 'm still waiting for XXXX and XXXX to report back their finding/investigations. I 've also contacted the merchant, One Main Financial regarding this inquiry/complaint and they have yet to address this problem. They are refusing to speak to me regarding disputing my account and how they are coding it to the credit report agencies. ( One Main Financial, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, NJ XXXX, XXXX ).","date_sent_to_company":"2015-12-31T01:49:22.000Z","issue":"Disclosure verification of debt","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"08054","tags":null,"has_narrative":true,"complaint_id":"1722749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ONEMAIN FINANCIAL HOLDINGS, LLC.","date_received":"2015-12-31T01:49:21.000Z","state":"NJ","company_public_response":null,"sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["One Main Financial is <em>reporting</em> incorrect loan information to all XXXX of the <em>credit</em> <em>reporting</em> agencies. The loan I <em>took</em> out was established XX/XX/2015 as an unsecured personal loan. This company is labeling the account an auto loan and <em>reporting</em> it the same. This information is incorrect and I 've disputed this with all three <em>credit</em> <em>reporting</em> agencies faxing proof of documentation from my <em>existing</em> loan forms to them."]},"sort":[16.77644,"1722749"]},{"_index":"complaint-public-v1","_id":"8051224","_score":16.154568,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was given information that NFCU has XXXX accounts on my credit report that have the same balance, same opening date, and same amount due, but different account numbers. What I have with NFCU currently is a XXXX XXXX loanXXXX XXXX XXXX XXXX  checks, and XXXX savings. The XXXX loan I have with NFCU was transferred and Ive had problems with NFCU since. In additionally, I was told this is an error on NFCUs part. I request that this be corrected immediately. Ive had this problem with NFCU on another account as well and because of this and another error, I believe this is being done intentionally. Why? My first guess would be malice. NFCU deliberately placed a negative comment on my report. After extensive investigation this was not being reported to the three major credit bureaus, but to a third party which made it difficult to find out Where this was coming from, and each request for a loan from NFCU was ALWAYS rejected. Until I searched to find out why, I found this negative report given on an account that I had no late or missing payments. XXXX, I never even consider using skip a pay. This has since been corrected but it took two days of my time!. Whoever is in charge of making these deliberate errors with intent and malice reflects on how NFCU will be analyzed by potential future and existing customers, I am forwarding this request as well.","date_sent_to_company":"2023-12-24T03:48:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"8051224","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-12-24T03:19:24.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Ive had this <em>problem</em> with NFCU on another account as well and because of this and another error, I believe this is being done intentionally. Why? My first guess would be malice. NFCU deliberately placed a negative comment on my <em>report</em>. After extensive <em>investigation</em> this was not being <em>reported</em> to the three major <em>credit</em> bureaus, but to a third party which made it difficult to find out Where this was coming from, and each request for a loan from NFCU was ALWAYS rejected."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.154568,"8051224"]},{"_index":"complaint-public-v1","_id":"16757276","_score":13.793849,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company Name : Citibank , N.A . ( Citibank XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding Citibank 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it. \n\nDETAILED DESCRIPTION : I have a closed credit card account with XXXX XXXX XXXX XXXX that was issued by Citibank XXXX XXXX ( Account # XXXX ). This account appears on my credit reports with late payment history. \n\nI sent a goodwill letter to Citibank 's address ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) requesting verification and adjustment of the account information. \n\nOn XX/XX/XXXX, I received a response from Citibank 's Cardmember Services - Credit Management Department stating : \" We received your credit reporting dispute. After reviewing the documentation provided, we do not have sufficient information to investigate the dispute because we can not : Determine the exact information on your credit report which you are disputing. \nLocate your account. '' CONTRADICTION AND ISSUE : Despite Citibank claiming they can not locate my account, this same account continues to be reported to the credit bureaus. My XXXX  credit report ( updated as recently as XX/XX/XXXX ) shows the account as \" XXXX XXXX & XXXX '' with the contact address matching Citibank 's XXXX XXXX location. \n\nThis creates several violations : 1. Citibank is reporting information they claim they can not verify or locate 2. This violates the Fair Credit Reporting Act 's requirement that furnishers maintain reasonable procedures to ensure accuracy 3. When a consumer disputes information, furnishers must investigate - Citibank refused to investigate by claiming they can not locate the account WHAT I WANT : 1. Citibank to either properly investigate and verify the account information OR cease reporting it to credit bureaus 2. If Citibank truly can not locate the account, they must request deletion from all credit bureaus 3. Written confirmation from Citibank regarding the resolution 4. Compensation for damage to my credit and the time spent resolving this issue SUPPORTING DOCUMENTS : - Citibank letter dated XX/XX/XXXX - Credit report showing the account still being reported - Evidence of my goodwill letter sent to Citibank","date_sent_to_company":"2025-10-22T13:11:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16757276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-10-22T13:04:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Company Name : Citibank , N.A . ( Citibank XXXX XXXX ) Product : <em>Credit</em> card or prepaid card Sub-product : Store <em>credit</em> card Issue : <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Sub-issue : <em>Investigation</em> <em>took</em> more than 30 days WHAT HAPPENED : I am filing this complaint regarding Citibank 's failure to properly verify account information being <em>reported</em> to <em>credit</em> bureaus and their contradiction in claiming they can not locate my account while continuing to <em>report</em>"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[13.793849,"16757276"]},{"_index":"complaint-public-v1","_id":"16758190","_score":13.760313,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company Name : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding XXXX 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it. \n\nDETAILED DESCRIPTION : I have a closed credit card account with XXXX XXXX XXXX XXXX that was issued by XXXX XXXX XXXX ( Account # XXXX ). This account appears on my credit reports with late payment history. \n\nI sent a goodwill letter to XXXX 's address ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) requesting verification and adjustment of the account information. \n\nOn XX/XX/XXXX, I received a response from XXXX 's XXXX XXXX XXXX XXXX XXXX Department stating : \" We received your credit reporting dispute. After reviewing the documentation provided, we do not have sufficient information to investigate the dispute because we can not : Determine the exact information on your credit report which you are disputing. \nLocate your account. '' CONTRADICTION AND ISSUE : Despite XXXX claiming they can not locate my account, this same account continues to be reported to the credit bureaus. My Experian credit report ( updated as recently as XX/XX/XXXX ) shows the account as \" XXXX XXXX & XXXX '' with the contact address matching XXXX 's XXXX XXXX location. \n\nThis creates several violations : 1. XXXX is reporting information they claim they can not verify or locate 2. This violates the Fair Credit Reporting Act 's requirement that furnishers maintain reasonable procedures to ensure accuracy 3. When a consumer disputes information, furnishers must investigate - XXXX refused to investigate by claiming they can not locate the account WHAT I WANT : 1. XXXX to either properly investigate and verify the account information OR cease reporting it to credit bureaus 2. If XXXX truly can not locate the account, they must request deletion from all credit bureaus 3. Written confirmation from XXXX regarding the resolution 4. Compensation for damage to my credit and the time spent resolving this issue SUPPORTING DOCUMENTS : - XXXX letter dated XX/XX/XXXX - Credit report showing the account still being reported - Evidence of my goodwill letter sent to XXXX","date_sent_to_company":"2025-10-22T13:11:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16758190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-22T13:10:36.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Company Name : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Product : <em>Credit</em> card or prepaid card Sub-product : Store <em>credit</em> card Issue : <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Sub-issue : <em>Investigation</em> <em>took</em> more than 30 days WHAT HAPPENED : I am filing this complaint regarding XXXX 's failure to properly verify account information being <em>reported</em> to <em>credit</em> bureaus and their contradiction in claiming they can not locate my account while continuing to <em>report</em> it."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[13.760313,"16758190"]},{"_index":"complaint-public-v1","_id":"6043030","_score":13.356058,"_source":{"product":"Debt collection","complaint_what_happened":"I have been a victim of identity theft, and the parties that assumed my data, fraudulently used my property, fraudulently used my deed, and falsified all documents was granted over {$300000.00} dollars and used my same property as collateral to fraudulently file for another loan for property for {$200000.00} the fraudulent XXXX home loan. \n\nThe parties also fraudulently have been stealing mail and also falsified the same schemes to file for bankruptcy protection. The parties did not have any authority to do such and one party fled to XXXX using XXXX Banks for no less than three loans without my knowledge. \n\nXXXX Banks never contacted me, XXXX XXXX, and they are refusing to comply with the guidelines that CFPB filed for injunctions to protect any victims of data breaches and identity theft. \n\nThe attorneys XXXX and XXXX denied and obstructed orders, when I never filed, never completed any loans or ever authorized any loans. \n\nThis is a direct contempt of orders CFPB filed XX/XX/2022 and attorney lied in response repeatedly and has denied any CFPB orders exist to protect victims of fraud, identity theft and property fraud loans. \n\nIn fact CFPB closed all cases, disregarding my proof and documents that have been forwarded. \n\nIntimidation and harassment is prohibited. \n\n\nXXXX XXXX XXXX XXXX XXXX consumer report Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2022 Open Sent to Company XXXX XXXX XXXX XXXX reporting Incorrect information on your report experian consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX  XXXX FLORIDA XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Other personal consumer report Incorrect information on your report XXXX BANK XX/XX/2022 Closed Marked as a duplicate complaint on XX/XX/2022 XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action premier properties XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action RUSHMORE LOAN MANAGEMENT SERVICES LLC XX/XX/2022 Closed Company responded XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX Other personal consumer report Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX XXXX reporting Credit monitoring or identity theft protection services XXXX XXXX XXXX AND ALL OTHERS XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XXXX  AND RUSHMORE COLLECTIONS AND THEY WILL NOT GIVE ME ANY INFORMATION OR ACCOUNT NUMBER OF FRAUDULENT ACCOUNT XX/XX/2022 Open Submitted XXXX the CFPB XXXX XXXX XXXX Other personal consumer report Problem with a company 's investigation into an existing issue XXXX  AND XXXX XXXX FIRM XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts or security freezes RUSHMORE COLLECTIONS AGENCY XXXX BEHALF OF XXXX XXXX  XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Credit reporting Problem with fraud alerts or security freezes XXXX XXXX XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts or security freezes XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Other type of mortgage Trouble during payment process XXXX BANK XX/XX/2022 Open Sent to XXXX XXXX","date_sent_to_company":"2022-10-03T04:37:08.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"32708","tags":null,"has_narrative":true,"complaint_id":"6043030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","date_received":"2022-10-03T04:14:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["COLLECTIONS AND THEY WILL NOT GIVE ME ANY INFORMATION OR ACCOUNT NUMBER OF FRAUDULENT ACCOUNT XX/XX/2022 Open Submitted XXXX the CFPB XXXX XXXX XXXX Other personal consumer <em>report</em> <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> issue XXXX  AND XXXX XXXX FIRM XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX <em>reporting</em> <em>Problem</em> with fraud alerts or security freezes RUSHMORE COLLECTIONS AGENCY XXXX BEHALF OF XXXX XXXX  XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX <em>Credit</em> <em>reporting</em>"],"issue":["<em>Took</em> or threatened to take negative or legal action"]},"sort":[13.356058,"6043030"]},{"_index":"complaint-public-v1","_id":"11271177","_score":12.819569,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I found that fraudulently opened credit card accounts that were previously deleted were re-added to my Transunion credit report. Before this, I had submitted a complaint to Transunion regarding this issue, along with supporting documentation, and Transunion removed the fraudulent account ( CFPB XXXX. XXXX ). After XXXX XXXX responded, I submitted additional information to Transunion ( CFPB XXXX. XXXX ), including a police report, proof of identity, and a host of other things to prove that the account was fraudulently opened to stop the account from being re-added. Still, Transunion never took this information seriously, resulting in the account being re-added. The practice may have violated the relevant provisions of the FCRA ( 1681e ( b ) ).\n\nI want to reiterate the following : As a victim of identity theft, I would like to submit additional supporting documentation to credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) I have made. It is the result of identity theft : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX consumption and late payment Account Number : XXXX In XXXX XXXX XXXX XXXX XXXX to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : XXXX. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster. 2. The XXXX XXXX  XXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history. \n\nI will attach Transunion 's findings in CFPB XXXX. XXXX indicating that the agency has removed the account from the credit report before. In the meantime, I will again attach the police report, state ID, FTC Identity Theft Report, bank statement for proof of current address, and original SSN and address history for 2 years as supporting documentation.","date_sent_to_company":"2024-12-24T00:41:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11271177","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-24T00:03:54.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I want to reiterate the following : As a victim of identity theft, I would like to submit additional supporting documentation to <em>credit</em> bureaus for an <em>existing</em> <em>credit</em> card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous <em>investigation</em>. The information listed below, which appears on my <em>credit</em> <em>report</em>, does not relate to any transaction ( XXXX ) I have made."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[12.819569,"11271177"]},{"_index":"complaint-public-v1","_id":"3335907","_score":12.740548,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, XXXX and XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran and this is causing me undue stress and anxiety because the agencies are failing to follow the rules that are set forth by CFPB. I need help. \n\nHide full complaint What product or service is your complaint about? \n\nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having? \n\n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nXXXX What happened? \n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, XXXX and XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies are failing to follow the rules that are set forth by CFPB. I need help.","date_sent_to_company":"2019-08-10T06:12:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38115","tags":"Servicemember","has_narrative":true,"complaint_id":"3335907","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2019-08-10T02:12:09.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of <em>problem</em> are you having? \n\n\nISSUE <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nXXXX What happened? \n\nI submitted disputes to the three <em>credit</em> bureau asking for verification of creditors that were <em>reporting</em> on in <em>credit</em> file."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[12.740548,"3335907"]},{"_index":"complaint-public-v1","_id":"3335909","_score":12.725045,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, XXXX and Transunion, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran and this is causing me XXXX XXXX and XXXX  because the agencies are failing to follow the rules that are set forth by CFPB. I need help. \n\nHide full complaint What product or service is your complaint about? \n\nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having? \n\n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes What happened?\n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, XXXX and Transunion, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX  balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that  information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more XXXX XXXX and XXXX because the agencies are failing to follow the rules that are set forth by CFPB. I need help.","date_sent_to_company":"2019-08-10T06:12:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38115","tags":"Servicemember","has_narrative":true,"complaint_id":"3335909","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-08-10T02:12:09.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of <em>problem</em> are you having? \n\n\nISSUE <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nYes What happened?\n\nI submitted disputes to the three <em>credit</em> bureau asking for verification of creditors that were <em>reporting</em> on in <em>credit</em> file."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[12.725045,"3335909"]},{"_index":"complaint-public-v1","_id":"3335905","_score":12.725045,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from Equifax, XXXX and XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX s account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran and this is causing me undue stress and anxiety because the agencies are failing to follow the rules that are set forth by CFPB. I need help.\n\nHide full complaint What product or service is your complaint about?\n\nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having?\n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?\n\nYes What happened?\n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from Equifax, XXXX and XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX s account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies are failing to follow the rules that are set forth by CFPB. I need help.","date_sent_to_company":"2019-08-10T06:12:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38115","tags":"Servicemember","has_narrative":true,"complaint_id":"3335905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-08-10T01:49:01.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of <em>problem</em> are you having?\n\nISSUE <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY?\n\nYes What happened?\n\nI submitted disputes to the three <em>credit</em> bureau asking for verification of creditors that were <em>reporting</em> on in <em>credit</em> file."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[12.725045,"3335905"]},{"_index":"complaint-public-v1","_id":"8074808","_score":12.553089,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/2023 to XXXX, TransUnion and XXXX. Here are my certified mail return receipt tracking numbers. [ XXXX XXXX ], [ Transunion- XXXX ], [ XXXX ] and I have attached a PDF with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXX/XX/2023 - XXXX XXXX TRANSUNION XXXX XX/XX/2023 - TRANSUNION - XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXXXXXX TRANSUNION- XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:56:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"8074808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-28T22:48:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have since made multiple attempts through complaints with the CFPB at informing the <em>credit</em> bureaus of improper use of my <em>credit</em> <em>report</em> and that there is a <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. On more than one occasion the <em>credit</em> bureaus where I filed a complaint with the CFPB <em>took</em> significantly longer than 30 days to complete their own <em>investigation</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Investigation</em> <em>took</em> more than 30 days"]},"sort":[12.553089,"8074808"]},{"_index":"complaint-public-v1","_id":"8074660","_score":12.525309,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/2023 to Experian, XXXX and XXXX. Here are my certified mail return receipt tracking numbers. [ XXXX XXXX ], [ XXXX XXXX ], [ Experian-XXXX ] and I have attached a PDF with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX  SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:57:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"8074660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-28T22:57:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have since made multiple attempts through complaints with the CFPB at informing the <em>credit</em> bureaus of improper use of my <em>credit</em> <em>report</em> and that there is a <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. On more than one occasion the <em>credit</em> bureaus where I filed a complaint with the CFPB <em>took</em> significantly longer than 30 days to complete their own <em>investigation</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Investigation</em> <em>took</em> more than 30 days"]},"sort":[12.525309,"8074660"]},{"_index":"complaint-public-v1","_id":"8074592","_score":12.522248,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/ to XXXX, XXXX and Equifax. Here are my certified mail return receipt tracking numbers. [ Equifax XXXX ], [ XXXX XXXX ], [ XXXX ] and I have attached a XXXX with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX Equifax- XXXX XXXX XXXX XXXX XXXX - Equifax- XXXX XXXX XXXX XXXX XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:57:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"8074592","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-28T22:57:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have since made multiple attempts through complaints with the CFPB at informing the <em>credit</em> bureaus of improper use of my <em>credit</em> <em>report</em> and that there is a <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. On more than one occasion the <em>credit</em> bureaus where I filed a complaint with the CFPB <em>took</em> significantly longer than 30 days to complete their own <em>investigation</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Investigation</em> <em>took</em> more than 30 days"]},"sort":[12.522248,"8074592"]},{"_index":"complaint-public-v1","_id":"3189202","_score":11.871649,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am in the process of buying a house and there is information in my report that does not belong to me, I have opened several disputes with Experian and their treatment has been hostile and confusing. I have sent documentation to prove that this account is paid, and I have told them several times that it does not belong to me. I contacted XXXX, and told them that I would pay the bill anyway because it was affecting my purchase process and I could not wait for the issue to be resolved. \n\nOnce the account was paid, which is not mine, I proceeded to send the document multiple time to Experian. Their webpage to upload document is complicated and is not friendly. \n\nI proceeded to send the document several times to Experian, its website never worked, is not friendly and has many errors in the process of loading documents, it is not friendly. \n\nAfter indicating several times that the upload was not successful by one of his employees, I asked the representative to stay on the phone with me, and after a lot of insistence worked. At least my browser told me that it had been successful. The representative said no, wait, wait until at last, he said yes. \n\nIt was not technical problems. finally, I upload the documents and was confirmed by one of their employees after he stated several times that the upload was not successful, this has been happening for weeks. he agreed because I told him that I was documenting everything and that I took a screenshot of the page stating that the upload was successful. \n\nAfter getting the document the account still continues with a balance of {$300.00}. XXXX dollars negative in my report despite being paid. \n\nIn my opinion, Experian is giving me a hostile and annoying treatment for having reported them through this agency. Today I just called and they immediately knew who I was without validating other information to validate if it was me, which is not very professional and lack of safety for customers. \n\nI opened several disputes, the last dispute was open after they received the document stating that that account was paid, still, their final answer was the same, nothing change and the total balance on the account is there, and they have removed neither. \n\nI understand that if the account was mine, should be there, and if it is paid should reflect that is paid too. \nI was just trying to move on in my endeavor of moving forward with buying my house, even if I have to pay for something does not belong to me because my idea was that at least it will show that it was paid and bring that account to a better status that is no negative ( highlighted in red ). \n\nIt seems to be that they did not check the document that shows the payment of that account, or they want to keep their behavior of mistreating clients. I won't let them do it, even if you end it up in court, I'm willing to go through this process due to my inalienable right to be treated in a fairway. \n\nThey don't even allow me to put a statement in that account, even that the best step to follow is removed something that does not belong to me, or update the info and put {$0.00} Balance. \n\nI will sue Experian if they continued with their mistreatment and unfair treatment toward me as a client, their decisions affect my personal life and endeavor. \n\nProblem with a personal statement of dispute ( explaining why you disagree with a lender 's decision after an investigation ) Problem with a credit reporting company 's investigation into an existing problem Incorrect information on my report incorrectly shows account balance Information belongs to someone else, but I paid. \nAccount information incorrect Account status incorrect showing delinquent account when it's not Old information reappears or never goes away","date_sent_to_company":"2019-03-23T22:51:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01841","tags":null,"has_narrative":true,"complaint_id":"3189202","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-03-23T21:38:08.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Problem</em> with a personal statement of dispute ( explaining why you disagree with a lender 's decision after an <em>investigation</em> ) <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Incorrect information on my <em>report</em> incorrectly shows account balance Information belongs to someone else, but I paid. \nAccount information incorrect Account status incorrect showing delinquent account when it's not Old information reappears or never goes away"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.871649,"3189202"]},{"_index":"complaint-public-v1","_id":"6176358","_score":11.639544,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-11-07T18:20:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19133","tags":null,"has_narrative":true,"complaint_id":"6176358","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-07T18:17:24.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I've never gave them written instruction to furnish my <em>report</em> in any way. They have also not completed accurate <em>investigations</em> and accurately verified the items on my <em>report</em>. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my <em>report</em> is creating false and deceptive representations of me as i try to apply for new <em>credit</em> which is also a violation of 15 U.S. Code 1692j ( a )."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[11.639544,"6176358"]},{"_index":"complaint-public-v1","_id":"3081937","_score":10.757522,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name.\n\nThey got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though.\n\nAt some point I did being getting collection letters and I was disputing them directly with the creditor. Then, when I finally received my credit report and realized what had happened. This was about the spring of 2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. \nI did attempt to file a police report in XXXX of 2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part of XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). \nI have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however Chexsys absolutely refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account and scores of unauthorized inquiries from my report. \n\nThey have been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 6 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. \nI reported the accounts that were fraudulent to them and were needing to be blocked back in XXXX of this year ; instead of processing it is fraud, they opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days ). I called and pleaded with them several times during this 30 day period, explaining to them the damage to my credit history and the problems it was causing me- but to no avail. I documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose. They claim that the police report was insufficient due to the dates ; however I didnt learn of the account being reported to them until XXXX of this year when I tried to get added as a signor to my business partners existing checking account. \n\nAfter that it took me months and months of trying to even get my report from them as they were attempting to get me to verify the fraudulent information and I have no idea what the people or persons who took my identity did or attempted to do with my information. \n\nPlease help me. This is causing me numerous problems.","date_sent_to_company":"2018-11-24T15:25:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33312","tags":null,"has_narrative":true,"complaint_id":"3081937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2018-11-24T15:11:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["After that it <em>took</em> me months and months of trying to even get my <em>report</em> from them as they were attempting to get me to verify the fraudulent information and I have no idea what the people or persons who <em>took</em> my identity did or attempted to do with my information. \n\nPlease help me. This is causing me numerous <em>problems</em>."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[10.757522,"3081937"]},{"_index":"complaint-public-v1","_id":"3081942","_score":10.75588,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name. \n\nThey got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. \n\nAt some point I did being getting collection letters and I was disputing them directly with the creditor. Then, when I finally received my credit report and realized what had happened. This was about the XXXX of XX/XX/2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. \nI did attempt to file a police report in XX/XX/2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part ofXX/XX/XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). \nI have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however XXXX absolutely refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account and scores of unauthorized inquiries from my report. \n\nThey have been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 6 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. \nI reported the accounts that were fraudulent to them and were needing to be blocked back in XX/XX/XXXXof this year ; instead of processing it is fraud, they opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days ). I called and pleaded with them several times during this 30 day period, explaining to them the damage to my credit history and the problems it was causing me- but to no avail. I documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 )  ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose. They claim that the police report was insufficient due to the dates ; however I didnt learn of the account being reported to them until XXXX  of this year when I tried to get added as a signor to my business partners existing checking account. \n\nAfter that it took me months and months of trying to even get my report from them as they were attempting to get me to verify the fraudulent information and I have no idea what the people or persons who took my identity did or attempted to do with my information. \n\nPlease help me. This is causing me numerous problems.","date_sent_to_company":"2018-11-30T20:54:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33312","tags":null,"has_narrative":true,"complaint_id":"3081942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-11-24T15:25:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["After that it <em>took</em> me months and months of trying to even get my <em>report</em> from them as they were attempting to get me to verify the fraudulent information and I have no idea what the people or persons who <em>took</em> my identity did or attempted to do with my information. \n\nPlease help me. This is causing me numerous <em>problems</em>."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[10.75588,"3081942"]},{"_index":"complaint-public-v1","_id":"3296823","_score":10.53367,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX up my credit profile and showed bad attitude on assisting me solving the problem. \nOn XX/XX/XXXX, I applied Chase Southwest Credit Card from JP Morgan Chase. Chase pulled my credit report from XXXX  then denied my application given the reason of \" too many ( >5 ) accounts opened within last 24 months ''. I then telephoned Chase customer support and found out that the credit history Chase got from XXXX was not accurate at all. In the report provided by XXXX XXXXo Chase, I found there are several accounts that were not opened by me. Then I telephoned XXXX  customer service and requested a dispute of those accounts against my Credit profile. \nI was offended by the process of how XXXX handled my dispute request. Here are my primary complaints : 1. Dereliction of duty XXXX XXXXequired me to submit a lot of supporting documents ( W-2, pay-stub, SSN Card, Drivers License, Address, Rental Agreement, Utility Bill, etc ) to validate my identity, which in my opinion exposed their failure to protect users ' credit info but to return the responsibility to the user to prove his identity. \n2. Processing speed very slow Despite XXXX XXXX dereliction of duty, I still submitted those docs accordingly. However, it took XXXX nearly a month only to be able to verify my identity, not even mentioning investigating the inaccurate info requested in my dispute request against the credit report they provided. Interestingly, their call center representative told me this process only takes no more than a week in general. \n3. Unresponsive customer call center representatives During the processing time, I telephoned their call center quite a few times tracking the updates. However, none of them was useful. Every time what I can only hear was their emphasis on they couldn't see anything from their database, so I had to either wait or to re-submit again. They even suspected me mailing the docs to the wrong place. Ironically, the mailing address was provided by XXXX. I believe it was because of their internal miscommunications which caused the delay, however, what I felt about the attitude from the representative was \" We can't do anything from our XXXX  side. If you want us to process the dispute, you have to provide this and this, that and that ... '', even forgetting the cause of this inconvenience may possibly be the recent data exposure to the hacker, in which XXXX was the one at fault, not us customers. \n4. Problem still unresolved Now I received their full credit report, but still notice lots of wrong information recorded on the report which are not relevant to me at all ( wrong former name, non-existing accounts opened by me, invalid credit inquiries, etc ). I proactively contacted the banks I don't think I have any accounts with, but was reported by XXXX, and got proof from them those accounts don't exist. Therefore, I believe ( a ) my credit profile was screwed up by XXXX  entirely ; ( b ) XXXX didn't demonstrate well attitude on supporting me getting this cleared up. I got tired calling XXXX again and again. I'd like to come here for additional help from you.","date_sent_to_company":"2019-07-05T07:36:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95126","tags":null,"has_narrative":true,"complaint_id":"3296823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-07-05T07:36:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Problem</em> still unresolved Now I received their full <em>credit</em> <em>report</em>, but still notice lots of wrong information recorded on the <em>report</em> which are not relevant to me at all ( wrong former name, non-<em>existing</em> accounts opened by me, invalid <em>credit</em> inquiries, etc ). I proactively contacted the banks I don't think I have any accounts with, but was <em>reported</em> by XXXX, and got proof from them those accounts don't exist."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[10.53367,"3296823"]},{"_index":"complaint-public-v1","_id":"3296519","_score":10.5318365,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax XXXX up my credit profile and showed bad attitude on assisting me solving the problem. \nOn XX/XX/XXXX, I applied XXXX XXXX Credit Card from XXXX XXXX XXXX. XXXX pulled my credit report from Equifax, then denied my application given the reason of \" too many ( XXXX ) accounts opened within last 24 months ''. I then telephoned XXXX customer support and found out that the credit history XXXX got from Equifax was not accurate at all. In the report provided by Equifax to XXXX, I found there are several accounts that were not opened by me. Then I telephoned Equifax customer service and requested a dispute of those accounts against my Credit profile. \nI was offended by the process of how Equifax handled my dispute request. Here are my primary complaints : 1. Dereliction of duty Equifax required me to submit a lot of supporting documents ( W-2, pay-stub, SSN Card, Drivers License, Address, Rental Agreement, Utility Bill, etc ) to validate my identity, which in my opinion exposed their failure to protect users ' credit info but to return the responsibility to the user to prove his identity. \n2. Processing speed very slow Despite Equifax 's dereliction of duty, I still submitted those docs accordingly. However, it took Equifax nearly a month only to be able to verify my identity, not even mentioning investigating the inaccurate info requested in my dispute request against the credit report they provided. Interestingly, their call center representative told me this process only takes no more than a week in general. \n3. Unresponsive customer call center representatives During the processing time, I telephoned their call center quite a few times tracking the updates. However, none of them was useful. Every time what I can only hear was their emphasis on they couldn't see anything from their database, so I had to either wait or to re-submit again. They even suspected me mailing the docs to the wrong place. Ironically, the mailing address was provided by Equifax. I believe it was because of their internal miscommunications which caused the delay, however, what I felt about the attitude from the representative was \" We can't do anything from our Equifax side. If you want us to process the dispute, you have to provide this and this, that and that ... '', even forgetting the cause of this inconvenience may possibly be the recent data exposure to the hacker, in which Equifax was the one at fault, not us customers. \n4. Problem still unresolved Now I received their full credit report, but still notice lots of wrong information recorded on the report which are not relevant to me at all ( wrong former name, non-existing accounts opened by me, invalid credit inquiries, etc ). I proactively contacted the banks I don't think I have any accounts with, but was reported by Equifax, and got proof from them those accounts don't exist. Therefore, I believe ( a ) my credit profile was XXXX  up by Equifax entirely ; ( b ) Equifax didn't demonstrate well attitude on supporting me getting this cleared up. I got tired calling Equifax again and again. I'd like to come here for additional help from you.","date_sent_to_company":"2019-07-05T07:36:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95126","tags":null,"has_narrative":true,"complaint_id":"3296519","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-05T07:21:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Problem</em> still unresolved Now I received their full <em>credit</em> <em>report</em>, but still notice lots of wrong information recorded on the <em>report</em> which are not relevant to me at all ( wrong former name, non-<em>existing</em> accounts opened by me, invalid <em>credit</em> inquiries, etc ). I proactively contacted the banks I don't think I have any accounts with, but was <em>reported</em> by Equifax, and got proof from them those accounts don't exist."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[10.5318365,"3296519"]},{"_index":"complaint-public-v1","_id":"4414707","_score":9.93932,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I removed names and addresses and phone numbers from their response. \n\nI submitted a complaint through the cfpb trying to seek resolution to an on going issue with discover card. The response I recieved provided no resolution and only a promise to take the issue out of the perview of the cfpb. This is not acceptable, # 1 that the CFPB considers this an actual response, # 2 that the cfpb would allow them to close the complaint without addressing my concerns.\n\nDiscover Card, rather than addressing my complaint, said we have no further information to provide at this time, this was in reference to the original complaint, where they said it would take up to 90 days to actually respond, which is beyond the fcras 30 day limit, and the cfpb 60 day limit. The cfpb said ... ok no problem, that's acceptable and closed that complaint as well. \n\nThe complaint should not be closed until resolution is provided. How else can the cfpb determine if the complaint was addressed, and addressed with in a timely manner. \n\nDiscover card, closing the complaint before resolution is unacceptable. Why even bother with all the extra lingo, if that lingo contains no resolution ... just type a random letter or number on the keyboard, and close the complaint. It's the equivalent of what you did, and it is not acceptable. \n\nPlease resolve this issue within the 60 days allotted by the cfpb, and do not close the complaint until resolution is provided through the cfpb. \n\nBellow is the last response with in you can find the complaint number, as well as the original complaint number which started the time clock. Do not reset the time clock as they have not actually addressed my concerns at all. \n\nXXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is. Please remove from credit bureaus. \n\nATTACHMENTS ScreenshotXXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/2021 We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2021 RE : Discover card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We regret any dissatisfaction with our XX/XX/2021 response to your CFPB case number XXXX. As advised in our prior response, based on the information you provided an investigation was initiated into your claim that the above referenced account was fraudulently opened. There is no additional information we are able to provide at this time, as the investigation is still ongoing. Should you continue to have questions or have additional information you wish to provide, we recommend contacting our Customer Protection Services department at. Once our investigation is complete, our Customer Protection Services department will contact you in writing with their findings. Thank you for allowing me the opportunity to address your concerns. Should you have any additional questions or concerns, please contact me at (. I am typically available XXXX, from XXXX XXXX  to XXXX XXXX ( ET ). Sincerely, XXXX XXXX Executive Office of Customer Advocacy CC : Consumer Financial Protection Bureau Feedback provided STATUS Feedback provided on XX/XX/2021 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The original response said they would take up to 90 days to respond. That's is not acceptable. \nI UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This was a no response. \nTHE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No","date_sent_to_company":"2021-05-28T23:18:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"4414707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2021-05-28T22:41:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer <em>reports</em> ISSUE <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[9.93932,"4414707"]},{"_index":"complaint-public-v1","_id":"18079299","_score":9.674115,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian responded to this compliant stating potential Fraud. \n\nXXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \n\nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT CFPB Deletion Request Letter for XXXX Charge-Off Subject : Request for Investigation & Deletion Due to Inaccurate and Incomplete Credit Reporting XXXX XXXX To Whom It May Concern, I am filing this complaint because XXXX XXXX is reporting inaccurate, inconsistent, and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ), 607 ( B ), and 623 ( A ). Account in question : XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX XXXX. XXXX is reporting inconsistent payment history ( ND mixed with CO ) The payment history on this account shows erratic and inconsistent reporting, including months marked as ND ( No Data ) immediately before and after months marked CO ( Charge Off ). Examples : ND reported in months where the account was already charged-off CO reported again after months with ND Gaps in reporting that do not align with a charged-off account A creditor must report information accurately and consistently, especially after a charge-off. ND mixed with CO is not consistent with a true charge-off timeline and creates confusion in my credit file. This violates FCRA 623 ( A ) ( 1 ) ( A ), which states that furnishers must not report information they know or have reasonable cause to believe is inaccurate. 2. The Status Updated date does not match the monthly data being furnished The account shows : Status Updated : XX/XX/XXXX However, payment history is still being furnished for dates up to : XX/XX/XXXX This is contradictory and misleading. This violates FCRA 607 ( B ) : the requirement to maintain maximum possible accuracy. XXXX. XXXX continues updating the balance monthly after charge-off Despite the account being charged off in XXXX, XXXX continues updating the balance updated field as recently as XX/XX/XXXX. A charged-off account should not show active monthly changes unless the consumer is actively paying which I am not. This inaccurate monthly updating makes the derogatory appear new, harming my credit more than allowed under FCRA. XXXX. The credit limit was increased after charge-off and during my dispute This is inconsistent and misleading. A creditor does not raise a credit limit on an account already in charge-off status. This appears to be additional inaccurate information being furnished during an active dispute. XXXX. The reporting is not consistent, complete, or accurate Because of : Mixed ND/CO reporting Status date not matching reported activity Balance continuously updated Incorrect credit limit reporting Irregular charge-off timeline This account is not being reported in a manner that meets the maximum possible accuracy requirement under the FCRA. For these reasons, I request : REQUESTED RESOLUTION I am requesting that the CFPB compel XXXX XXXX  to either : XXXX. Correct ALL inaccurate and inconsistent reporting immediately, XXXX XXXX. Delete the account completely from my credit reports if XXXX can not furnish the data in a consistent, accurate, and verifiable format as required by FCRA XXXX ( A ) and XXXX ( B ). Given the multiple reporting irregularities, deletion is the only remedy that ensures compliance with the FCRA. \n\nATTACHMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nPotential fraud STATUS Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.","date_sent_to_company":"2025-12-16T17:35:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70403","tags":null,"has_narrative":true,"complaint_id":"18079299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-16T17:31:35.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT <em>Credit</em> <em>reporting</em> or other personal consumer <em>reports</em> ISSUE <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \n\nWe will review your complaint."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[9.674115,"18079299"]},{"_index":"complaint-public-v1","_id":"18333455","_score":9.547465,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It XXXX Concern, You have stated in writing that the tradeline at issue involves potential fraud. Once fraud is acknowledged or suspected, the information being reported can no longer be considered verified, accurate, or reliable. \nA consumer reporting agency can not simultaneously classify an account as potential fraud and continue to report it as a valid, enforceable obligation. Doing so is internally inconsistent and violates the XXXX XXXX XXXX Acts requirement to maintain maximum possible accuracy. \nWhere fraud is acknowledged and the furnisher has also stated that it can not locate an account in the consumers name, continued reporting lacks any lawful basis. Verification is impossible under these circumstances This is experians report to CFPB XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : * Send your complaint to the company for a response ; or * Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or * Let you know if we need more information to continue our work. \nYOUR COMPLAINT Complaint for XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Delete Unverified Account XXXX XXXX : still working on it XX/XX/year> CFPB reports Regional Acceptance XXXX cant find account in my name XX/XX/year> Company responded STATUS Company responded on XX/XX/year> XXXX XXXX Closed with explanation Company 's Response Regional is XXXX XXXX XXXX XXXX account in your name. That is legal confirmation the debt does not exist. Title : XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Delete After Furnisher Admitted No Account Exists Loading... \nHide full complaint Sent to company STATUS Sent to company on XX/XX/year> We've sent your complaint to the company, and we will let you know when they respond. \nTheir response should include the steps they took, or will take, to address your complaint. \nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working XXXX XXXX response is in progress as of XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \nCOMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/year>, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. For additional assistance, you XXXX call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : http : //www.experian.com/blogs/ask-experian. Please note that you XXXX also submit your request or documents supporting your claim electronically at www.experian.com/upload. You XXXX also visit XXXX dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. \n\nPotential fraud XXXX XXXX responded there XXXX be potential fraud involved on XX/XX/year> We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you XXXX have been a victim of fraud.","date_sent_to_company":"2025-12-29T02:44:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39503","tags":"Older American","has_narrative":true,"complaint_id":"18333455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-29T02:36:45.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Where fraud is acknowledged and the furnisher has also stated that it can not locate an account in the consumers name, continued <em>reporting</em> lacks any lawful basis. Verification is impossible under these circumstances This is experians <em>report</em> to CFPB XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/year> PRODUCT <em>Credit</em> <em>reporting</em> or other personal consumer <em>reports</em> ISSUE <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[9.547465,"18333455"]},{"_index":"complaint-public-v1","_id":"5271891","_score":9.230818,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2022 I had {$1700.00} taken from my checking, and {$510.00} taken from my savings account from Wells Fargo. I noticed this on the same day it occurred XX/XX/2022 while checking my online banking. Upon further investigation on my, I saw that it was a debit card I had never seen, owned, or ever had in my possession throughout my time with Wells Fargo, and also it was taken out from an ATM in XXXX XXXX XXXXXXXX, while I live in California. That same day I immediately contacted Wells Fargo over the phone to report fraud on both my checking and savings account. I stated to them that this fraudulent card was a card I never owned. My fraud claim for my checking account was denied on XX/XX/2022. \n\nOn XX/XX/2022, I called Wells Fargo to ask why my case was denied. Upon questioning this man, he stated that there might have been a miscommunication or clerical problem in which the person I was originally talking to misinterpreted saying I owned this fraudulent card that took all my money ( when I never even knew this account existed ). Upon hearing this, I was very upset and wanted Wells Fargo to put in a new claim because it was a clerical mistake. When our conversation continued, this man stated that he would just connect this case to the existing case I had with my savings. This did not sound right to me. The next day, I went into a Wells Fargo Branch office in my hometown to discuss the denial. Upon the manger doing some digging, she discovered that a fraudulent bank account was created under my name from New York. She was able to confirm that it was fraudulent as it was created recently. Once we discovered this, she tried talking to the fraud team, but once they were no help, she escalated my issue to the Wells Fargo Enterprise Complaints Management Office. The Wells Fargo manager even told me and I quote what the fraud department did to you seems very unethical. I also asked her about getting all my money back into my savings account which she told me I was lied to. \n\nAs of XX/XX/XXXX, I also reported this case to the police as identify theft/fraud as I had unauthorized access to my bank account. I also received a letter from Wells Fargo that came after my money was stolen dated XX/XX/2022 that stated they were closing an account I had never seen before. This letter even though it was dated XX/XX/XXXX wasnt received by me until XX/XX/XXXX. There is also concrete evidence that I used my credit card from Wells Fargo on the day that the {$2200.00} dollars was taken from my account in my hometown at my local gas station, thus further my claim that I was not me as my money was taken out from an ATM in XXXX XXXX XXXX while I was and live in California. I am a victim of identity theft. I never received any mail or email notifying me that my emails were changed, which I only found out while talking to the complaints management office.","date_sent_to_company":"2022-03-01T08:36:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95492","tags":null,"has_narrative":true,"complaint_id":"5271891","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-03-01T03:14:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Upon questioning this man, he stated that there might have been a miscommunication or clerical <em>problem</em> in which the person I was originally talking to misinterpreted saying I owned this fraudulent card that <em>took</em> all my money ( when I never even knew this account existed ). Upon hearing this, I was very upset and wanted Wells Fargo to put in a new claim because it was a clerical mistake."],"sub_issue":["<em>Problem</em> using a debit or ATM card"]},"sort":[9.230818,"5271891"]},{"_index":"complaint-public-v1","_id":"2542429","_score":8.775321,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was the victim of identity theft which I repor ted in  XX/XX/XXXX . I  received the assistance/guidance from  XXXX  from the Identity Theft Resolution Department, a service which I pay  USAA  monthly for. I followed all instructions as provided by USAA, filing reports with the FTC and  XXXX  Police Department and provided  USAA  with all requested case numbers. It took  USAA quite a while to correct the fraudulent billing errors as they were on multiple USAA credit cards, during which time their agents repeatedly reported the same c ase multiple times instead of updating the existing case. In the end I had to get help from someone in the  CEO  's office who got everything corrected. I received letters stating the credits were now permanent and the the investigation had been concluded in my favor.  <P/> Despite being against consumer protection and way beyond the 90 days allowed by law to finalize any billing dispute as allowed by law in XX/XX/XXXX  more than 12 billing cycles later, without any notice, documentation or explanation  USAA  has charged me back for all the \" permanent credits '' on only one of my affected credit cards. USAA has refused to provide any explanation, information or documentation for the charges despite my repeated requests.  <P/> I have been  told USAA  re-investigated the case on my  XXXX     XXXX    Card  only because because of a new fraud claim opened on my debit card.  One  which was only opened because the  USAA agent I spoke with was unsure how to open the claim from my utility company charging me for someone else 's bill. It was under USAA 's  guidance and suggestion that the new claim be processed as fraud. Now because of their own suggestion they have charged me back without notice or reason on an unrelated credit card despite the new claim being investigated and found in my favor.  <P/> To make matters worse,  USAA  has begun taking adverse action against me with out providing any notice as required by law. Not only have they limited access to my credit card in question, but they have limited my access to all my accounts I currently have  with USAA. I  am unable to pay my bills, view the balances of my checking, credit, investment, auto loans, insurance accounts, transfer funds, access my insurance statements or policies. I am unable to view or respond to messages fro m USAA, or even access my funds electronically in any of my accounts. USAA has als o made several reports to the credit reporting agencies regarding the disputed charges which has lowered my overal credit rating. Even though legally  USAA is   required to provide notice prior to taking any adverse action, and legally not allowed to take adverse action while an account is being disputed I never received any advance notice or documentation of ANY kind despite repeated requests and phone calls regarding any of these actions. Additionally, I have made repeated attempts to conta ct USAA regar ding these many problems. Most recently I left multiple voicemail 's for  XXXX  in the CEO 's office. Finally on  XX/XX/XXXX ,  weeks later I received a call which went straight to my voicemail from  XXXX , I attempted to contact her immediately but was sent straight to voicemail. At which time I called the  CEO 's of fice and spoke with  XXXX , who informed me  XXXX  was currently on another call, but would have her call me back ASAP. It is not after hours o n  XX/XX/XXXX  me aning the bank is closed until Monday   XX/XX/XXXX   and I have yet to receive any accessible form of communication from  XXXX . I have been calling and trying to get these many issues and violations of my legal rights corrected as I need to pay my other bills for a month now. USAA has effectively without notice, cause or justification effectively put a strangle hold on my finances preventing me from being able to pay any of my bills, view or access any of my accounts which will begin causing massive penalty fees and destroy my credit rating even further than they have already.  <P/>  USAA 's refusal to this day to adhear to the legally alloted time frame for billing disputes, violation of documented notices and agreements provided by USAA,  provide any notice, documentation, respond or communicate to my requests in a reasonable or timely manner, in addition to taking adverse action on my credit report, affected card and every other USAA accounts has violated multiple consumer protection laws","date_sent_to_company":"2017-06-12T18:28:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78723","tags":null,"has_narrative":true,"complaint_id":"2542429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2017-06-10T00:11:28.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I followed all instructions as provided by USAA, filing <em>reports</em> with the FTC and  XXXX  Police Department and provided  USAA  with all requested case numbers. It <em>took</em>  USAA quite a while to correct the fraudulent billing errors as they were on multiple USAA <em>credit</em> cards, during which time their agents repeatedly <em>reported</em> the same c ase multiple times instead of updating the <em>existing</em> case. In the end I had to get help from someone in the  CEO  's office who got everything corrected."],"product":["<em>Credit</em> card or prepaid card"],"issue":["<em>Problem</em> with a purchase shown on your statement"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[8.775321,"2542429"]},{"_index":"complaint-public-v1","_id":"14578698","_score":8.646055,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"OVER THIRTY DAYS OVER THIRTY DAYS OVER THIRTY DAYS Inactive XXXX XXXX XXXX An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER 44 YEARS OLD [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER 21 ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. Racial Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and XXXX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX XXXX  REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Their investigation did not fix an error on your report What happened? \nALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER 44 YEARS OLD [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER 21 ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. Racial Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and XXXX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX XXXX REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXX ( XXXX MB ) XXXXXXXX XXXX XXXX XXXX XXXX  I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nREMOVAL OF XXXX  ACCOUNT AND DEROGATORY MARKS IMMEDIATELY, ALSO CAPITAL ONE 'S ACCOUNT AND DEROGATORY MARKS IMMEDIATELY!!! XXXX. ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS.\n\n3 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? \nCompany Information XXXX credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company Experian credit reporting Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo Additional Credit Reporting Company XXXX Credit Bureau Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Your preferred language XXXX Your demographic information AgXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nPrivacy XXXX XXXXXXXX XXXX XXXX XXXXXXXX Note on user experience Have a question? Preguntas? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nMore thXXXX XXXX XXXXes available. \nXXXX XXXX An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-07-10T14:11:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"14578698","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-10T14:11:10.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em> or other personal consumer <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of <em>problem</em> are you having? \nInactive modal Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Have you already tried to fix this <em>problem</em> with the company? \nYes Did you request information from the company? \nNo Type of Issue Their <em>investigation</em> did not fix an error on your <em>report</em> What happened?"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Investigation</em> <em>took</em> more than 30 days"]},"sort":[8.646055,"14578698"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":89,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":89}]}},"product":{"doc_count":89,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":33,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":32},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":20,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":20}]}},{"key":"Debt collection","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":4},{"key":"Mortgage debt","doc_count":4},{"key":"Other debt","doc_count":2},{"key":"I do not know","doc_count":1},{"key":"Other (i.e. phone, health club, etc.)","doc_count":1}]}},{"key":"Mortgage","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":3},{"key":"FHA mortgage","doc_count":3},{"key":"VA mortgage","doc_count":2}]}},{"key":"Checking or savings account","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":4}]}},{"key":"Credit card","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":4}]}},{"key":"Credit card or prepaid card","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2},{"key":"Store credit card","doc_count":1}]}},{"key":"Student loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1},{"key":"Private student loan","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lease","doc_count":1},{"key":"Loan","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":1}]}}]}},"issue":{"doc_count":89,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing problem","doc_count":22,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":12},{"key":"Investigation took more than 30 days","doc_count":8},{"key":"Problem with personal statement of dispute","doc_count":2}]}},{"key":"Incorrect information on your report","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":6},{"key":"Information belongs to someone else","doc_count":6},{"key":"Account status incorrect","doc_count":2},{"key":"Old information reappears or never goes away","doc_count":2}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":6},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1},{"key":"Problem with personal statement of dispute","doc_count":1},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":5}]}},{"key":"Trouble during payment process","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Escrow, taxes, or insurance","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued you without properly notifying you of lawsuit","doc_count":2},{"key":"Seized or attempted to seize your property","doc_count":1},{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit monitoring or identity theft protection services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":3}]}},{"key":"False statements or representation","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":3}]}},{"key":"Attempts to collect debt not owed","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":2}]}},{"key":"Managing an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fee problem","doc_count":1},{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Problem caused by your funds being low","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Bounced checks or returned payments","doc_count":1},{"key":"Non-sufficient funds and associated fees","doc_count":1}]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":1}]}},{"key":"Disclosure verification of debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Not given enough info to verify debt","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":1}]}},{"key":"Improper use of your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Privacy issues","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to repay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":1}]}},{"key":"Trouble using your card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":1}]}},{"key":"Written notification about debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":1}]}}]}},"timely":{"doc_count":89,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":87},{"key":"No","doc_count":2}]}},"company_response":{"doc_count":89,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":60},{"key":"Closed with non-monetary relief","doc_count":22},{"key":"Closed with monetary relief","doc_count":7}]}},"submitted_via":{"doc_count":89,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":89}]}},"company":{"doc_count":89,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":17},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":14},{"key":"EQUIFAX, INC.","doc_count":11},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":4},{"key":"WELLS FARGO & COMPANY","doc_count":3},{"key":"ALLIANT CREDIT UNION","doc_count":2},{"key":"DISCOVER BANK","doc_count":2},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":2},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":2},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":2},{"key":"PNC Bank N.A.","doc_count":2},{"key":"AES/PHEAA","doc_count":1},{"key":"AMERICAN EXPRESS COMPANY","doc_count":1},{"key":"BANK OF NEW YORK MELLON CORPORATION, THE","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP","doc_count":1},{"key":"CITIBANK, N.A.","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"Carvana Group, LLC","doc_count":1},{"key":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","doc_count":1},{"key":"DCN Holdings Inc.","doc_count":1},{"key":"E*TRADE BANK","doc_count":1},{"key":"FORD MOTOR CREDIT CO.","doc_count":1},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":1},{"key":"Freedom Mortgage Company","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"Johnson Mark LLC","doc_count":1},{"key":"LoanCare, LLC","doc_count":1},{"key":"MIDFIRST BANK","doc_count":1},{"key":"MONEY SOURCE, INC., THE","doc_count":1},{"key":"Navient Solutions, LLC.","doc_count":1},{"key":"ONEMAIN FINANCIAL HOLDINGS, LLC.","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","doc_count":1},{"key":"Resurgent Capital Services L.P.","doc_count":1},{"key":"Rocket Mortgage, LLC","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":1}]}},"state":{"doc_count":89,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":13},{"key":"CA","doc_count":12},{"key":"LA","doc_count":12},{"key":"FL","doc_count":10},{"key":"NY","doc_count":6},{"key":"MS","doc_count":5},{"key":"AZ","doc_count":4},{"key":"OH","doc_count":4},{"key":"TN","doc_count":4},{"key":"GA","doc_count":3},{"key":"IL","doc_count":2},{"key":"PA","doc_count":2},{"key":"UT","doc_count":2},{"key":"WA","doc_count":2},{"key":"DE","doc_count":1},{"key":"IA","doc_count":1},{"key":"MA","doc_count":1},{"key":"MD","doc_count":1},{"key":"MN","doc_count":1},{"key":"NH","doc_count":1},{"key":"NJ","doc_count":1},{"key":"NV","doc_count":1}]}},"company_public_response":{"doc_count":89,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":44},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":3}]}},"tags":{"doc_count":89,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":23},{"key":"Older American","doc_count":11}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[8.644122,"14578698"],"3":[6.321486,"12038515"],"4":[3.8945572,"7001193"]}}}