{"took":171,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3507,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14563137","_score":15.504251,"_source":{"product":"Credit card","complaint_what_happened":"PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal ISSUE Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE Reporting company used your report improperly What happened? \nthese are fraud accounts on my credit file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON XXXX 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","date_sent_to_company":"2025-07-10T11:00:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"14563137","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sparrow Financial, Inc.","date_received":"2025-07-10T08:58:14.000Z","state":"CA","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> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of <em>problem</em> are you having? \nInactive modal ISSUE Improper use of your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nNo TYPE OF ISSUE <em>Reporting</em> company used your <em>report</em> improperly What happened? \nthese are fraud accounts on my <em>credit</em> file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON XXXX SO THAT <em>OTHERS</em> CAN LEARN FROM MY EXPERIENCE."],"product":["<em>Credit</em> card"],"issue":["<em>Problem</em> with a company's investigation into an existing <em>problem</em>"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.504251,"14563137"]},{"_index":"complaint-public-v1","_id":"3809988","_score":15.486658,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX I sent letter addressing the problems on my credit and I still have heard no response at all from the credit bureaus. Credit reporting, credit repair services, or other personal consumer reports","date_sent_to_company":"2020-08-24T07:03:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92201","tags":null,"has_narrative":true,"complaint_id":"3809988","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-24T03:03:34.000Z","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":["On XXXX I sent letter addressing the <em>problems</em> on my <em>credit</em> and I still have heard no response at all from the <em>credit</em> bureaus. <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.486658,"3809988"]},{"_index":"complaint-public-v1","_id":"3809970","_score":15.483318,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX I sent letter addressing the problems on my credit and I still have heard no response at all from the credit bureaus. Credit reporting, credit repair services, or other personal consumer reports","date_sent_to_company":"2020-08-24T07:03:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92201","tags":null,"has_narrative":true,"complaint_id":"3809970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-08-24T02:49:20.000Z","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":["On XXXX I sent letter addressing the <em>problems</em> on my <em>credit</em> and I still have heard no response at all from the <em>credit</em> bureaus. <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.483318,"3809970"]},{"_index":"complaint-public-v1","_id":"14583189","_score":15.463303,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"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 Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE Reporting company used your report improperly What happened? \nthese are fraud accounts on my credit file there are not me 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? \nas a consumer please remove these fraud accounts off my file","date_sent_to_company":"2025-07-10T10:00:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"14583189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-10T08:54:39.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of <em>problem</em> are you having? \nInactive modal ISSUE Improper use of your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nNo TYPE OF ISSUE <em>Reporting</em> company used your <em>report</em> improperly What happened? \nthese are fraud accounts on my <em>credit</em> file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT <em>OTHERS</em> CAN LEARN FROM MY EXPERIENCE."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.463303,"14583189"]},{"_index":"complaint-public-v1","_id":"14563417","_score":15.463303,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"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 Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE Reporting company used your report improperly What happened? \nthese are fraud accounts on my credit file there are not me 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? \nas a consumer please remove these fraud accounts off my file","date_sent_to_company":"2025-07-10T10:01:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"14563417","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-10T08:54:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of <em>problem</em> are you having? \nInactive modal ISSUE Improper use of your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nNo TYPE OF ISSUE <em>Reporting</em> company used your <em>report</em> improperly What happened? \nthese are fraud accounts on my <em>credit</em> file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT <em>OTHERS</em> CAN LEARN FROM MY EXPERIENCE."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.463303,"14563417"]},{"_index":"complaint-public-v1","_id":"14563044","_score":15.439265,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"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 Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE Reporting company used your report improperly What happened? \nthese are fraud accounts on my credit file there are not me 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? \nas a consumer please remove these fraud accounts off my file","date_sent_to_company":"2025-07-10T10:00:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"14563044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-10T08:45:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of <em>problem</em> are you having? \nInactive modal ISSUE Improper use of your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nNo TYPE OF ISSUE <em>Reporting</em> company used your <em>report</em> improperly What happened? \nthese are fraud accounts on my <em>credit</em> file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT <em>OTHERS</em> CAN LEARN FROM MY EXPERIENCE."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.439265,"14563044"]},{"_index":"complaint-public-v1","_id":"6021529","_score":14.782377,"_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":["According to the FRCA the term investigative <em>consumer</em> <em>report</em> means, \" a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or who may have knowledge concerning any such items of information. '' This never took place."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.782377,"6021529"]},{"_index":"complaint-public-v1","_id":"4813698","_score":14.435637,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, My name is XXXX and I am a XXXX XXXX XXXX. Over the years I have had a hard time keeping my personal credit score stable. ( XXXX ) I pay most of my personal and XXXX bills on time and in most cases early, which I have proof of. My problem with TransUnion and the other credit reporting companies and credit card companies is that they DO NOT separate small business credit/history with the business owner 's personal credit. For example : I have XXXX XXXX  credit cards and those XXXX use those cards on a daily basis. As the company issued credit line begins to be used this begins to heavily impact my credit score thus causing it to fluctuate literally weekly. I would understand if this was a new account but we have been with the credit card company for years. Here is the problem. If the credit card company solicited my XXXX  and issued the XXXX  multiple credit cards but reports the credit usage to my personal credit report then why doesn't TransUnion and the others have a business credit report section/division? I am willing to bet this is not an isolated thing and that many of us XXXX XXXX owner 's are having the same problem. Because of this ongoing issue, I have had a hard time getting loans to buy a house and automobiles. I understand the \" personal guarantor '' purpose the business owner must sign to have ultimate responsibility for the credit card usage but that does not absolve the company from being responsible as well and only reiterates the aforementioned. Separation of XXXX and Personal I feel this is something that has class action written all over it and am ready to retain an attorney to start the process. By the way, when I used and occasionally still do, my XXXX  XXXX XXXX card for over XXXX XXXX dollars annually my credit problems did not exist. Now that vendors do not want to take XXXX I have been forced to switch to others. Another issue I have found is that it seems reporting to the credit bureaus by the credit card companies is optional and at their discretion. Or in other words : \" pay on time and we could care less, pay late and we will report you ''. The only reason I would think they would do that is to warn others ( credit card companies ) not to issue credit to or \" black list '' you. I would expect it is the CFPB 's job to ensure the credit playing field is played equally and fairly by both the consumer 's side and the credit card/credit bureaus side . \n\nPlease let me know if you can help before this gets really expensive for me. Thanks again for your time.","date_sent_to_company":"2021-10-15T21:25:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33309","tags":null,"has_narrative":true,"complaint_id":"4813698","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-10-15T20:20:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Over the years I have had a hard time keeping my <em>personal</em> <em>credit</em> score stable. ( XXXX ) I pay most of my <em>personal</em> and XXXX bills on time and in most cases early, which I have proof of. My <em>problem</em> with TransUnion and the <em>other</em> <em>credit</em> <em>reporting</em> companies and <em>credit</em> card companies is that they DO NOT separate small business <em>credit</em>/history with the business owner 's <em>personal</em> <em>credit</em>. For example : I have XXXX XXXX  <em>credit</em> cards and those XXXX use those cards on a daily basis."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.435637,"4813698"]},{"_index":"complaint-public-v1","_id":"2682875","_score":14.411974,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam Experian will not allow me to freeze my personal credit online. XXXX and XXXX allow the process to be done online but not Experian. They request police report and other documents. as a consumer I should be able to freeze my credit online with no problems. can you please assist me in this matter?\nthank you","date_sent_to_company":"2017-09-24T05:07:47.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"08807","tags":null,"has_narrative":true,"complaint_id":"2682875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-24T00:56:01.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Dear Sir/Madam Experian will not allow me to freeze my <em>personal</em> <em>credit</em> online. XXXX and XXXX allow the process to be done online but not Experian. They request police <em>report</em> and <em>other</em> documents. as a <em>consumer</em> I should be able to freeze my <em>credit</em> online with no <em>problems</em>. can you please assist me in this matter?\nthank you"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with fraud alerts or security freezes"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.411974,"2682875"]},{"_index":"complaint-public-v1","_id":"4813707","_score":14.407058,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, My name is XXXX and I am a XXXX XXXX owner. Over the years I have had a hard time keeping my personal credit score stable. ( XXXX ) I pay most of my personal and XXXX  bills on time and in most cases early, which I have proof of. My problem with XXXX and the other credit reporting companies and credit card companies is that they DO NOT separate XXXX XXXX  credit/history with the XXXX XXXX XXXX  personal credit. For example : I have five XXXX credit cards and those XXXX use those cards on a daily basis. As the company issued credit line begins to be used this begins to heavily impact my credit score thus causing it to fluctuate literally weekly. I would understand if this was a new account but we have been with the credit card company for years. Here is the problem. If the credit card company solicited my XXXX and issued the XXXX  multiple credit cards but reports the credit usage to my personal credit report then why doesn't XXXX and the others have a XXXX  credit report section/division? I am willing to bet this is not an isolated thing and that many of us XXXX XXXX owner 's are having the same problem. Because of this ongoing issue, I have had a hard time getting loans to buy a house and automobiles. I understand the \" personal guarantor '' purpose the XXXX XXXX must sign to have ultimate responsibility for the credit card usage but that does not absolve the company from being responsible as well and only reiterates the aforementioned. Separation of XXXX and Personal I feel this is something that has class action written all over it and am ready to retain an attorney to start the process. By the way, when I used and occasionally still do, my business XXXX XXXX card for over XXXX XXXX dollars annually my credit problems did not exist. Now that vendors do not want to take XXXX I have been forced to switch to others. Another issue I have found is that it seems reporting to the credit bureaus by the credit card companies is optional and at their discretion. Or in other words : \" pay on time and we could care less, pay late and we will report you ''. The only reason I would think they would do that is to warn others ( credit card companies ) not to issue credit to or \" black list '' you. I would expect it is the CFPB 's job to ensure the credit playing field is played equally and fairly by both the consumer 's side and the credit card/credit bureaus side . \n\nPlease let me know if you can help before this gets really expensive for me. Thanks again for your time.","date_sent_to_company":"2021-10-15T21:25:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33309","tags":null,"has_narrative":true,"complaint_id":"4813707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-10-15T21:25:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Over the years I have had a hard time keeping my <em>personal</em> <em>credit</em> score stable. ( XXXX ) I pay most of my <em>personal</em> and XXXX  bills on time and in most cases early, which I have proof of. My <em>problem</em> with XXXX and the <em>other</em> <em>credit</em> <em>reporting</em> companies and <em>credit</em> card companies is that they DO NOT separate XXXX XXXX  <em>credit</em>/history with the XXXX XXXX XXXX  <em>personal</em> <em>credit</em>. For example : I have five XXXX <em>credit</em> cards and those XXXX use those cards on a daily basis."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.407058,"4813707"]},{"_index":"complaint-public-v1","_id":"2662946","_score":14.019624,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax leaked my credit report and other personal information ( as reported by their website https : //www.equifaxsecurity2017.com/ ), along with that of 143 million other Americans. It is readily apparent that for such a significant breach to occur, Equifax does not take information security seriously enough. \n\nOther concerning aspects of this breach include the lack of timely disclosure by Equifax ( over 5 weeks )  and the above website reporting whether consumers were impacted by the leak that appears to yield random responses ( I visited the site several times and got alternating answers each time ). \n\nI contacted Equifax 's call center with my concerns about the leak and the website and was encouraged to sign up for fraud monitoring. This response does not address the root of the problem, that Equifax does not take my, and other Americans ', personal information and identity protectional seriously.","date_sent_to_company":"2017-09-10T04:49:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"024XX","tags":null,"has_narrative":true,"complaint_id":"2662946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-10T04:16:43.000Z","state":"MA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax leaked my <em>credit</em> <em>report</em> and <em>other</em> <em>personal</em> information ( as <em>reported</em> by their website https : //www.equifaxsecurity2017.com/ ), along with that of 143 million <em>other</em> Americans. It is readily apparent that for such a significant breach to occur, Equifax does not take information security seriously enough."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.019624,"2662946"]},{"_index":"complaint-public-v1","_id":"2488249","_score":13.861859,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been o ver 3 weks since they said tehy ha ve","date_sent_to_company":"2017-05-18T18:36:13.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"10022","tags":null,"has_narrative":true,"complaint_id":"2488249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2017-05-18T18:30:26.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> Issue : <em>Problem</em> with a company 's investigation into an existing issue They have not fixed or rectified this and it has been o ver 3 weks since they said tehy ha ve"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.861859,"2488249"]},{"_index":"complaint-public-v1","_id":"10566295","_score":13.803359,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Recently I was reviewing my credit report and I realized that I had a series of negative marks qualified as \" late payments '' and that they are affecting my personal life and my growth as this negative mark prevents me from obtaining and building credit and to realize my dreams and has even brought me family problems The negative mark is XXXX : XXXX and is being reported by the XXXX transunion and XXXX respectively and are being violated a number of laws by doing this and also my rights as a consumer. \n\nTo further substantiate the problem I attach the following Legal Grounds for Dispute According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term \" consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. \n\nThis means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a \" consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer Report. The term \" consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title. \n\nFICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX  ) constitutes a violation of 15 U.S.C. 1681a. \n\nAdditionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of Payments Timing of Payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.","date_sent_to_company":"2024-10-24T15:04:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33837","tags":null,"has_narrative":true,"complaint_id":"10566295","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-24T14:56:35.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FICO and/or any <em>other</em> risk score or algorithm used to calculate a <em>consumers</em> <em>credit</em> score is not part of what defines a \" <em>consumer</em> <em>report</em> '' under the law. The legal definition of a <em>consumer</em> <em>report</em> is as follows : <em>Consumer</em> <em>Report</em>."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[13.803359,"10566295"]},{"_index":"complaint-public-v1","_id":"2665994","_score":13.801966,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax used insecure systems to store my personal information, including Social Security Number, Address, Birthdate, and more, along with millions of other consumers. They finally informed the public about a breach where this information was stolen. \n\nI checked on a site they set up and both my wife and I are shown as being victims. \n\nI have taken the steps I can to secure our reports, but this has huge implications for filing our taxes, getting credit in the future, and all the other potential problems of identity theft. \n\nTo top it off, Equifax and other agencies get to charge {$10.00} to freeze your credit and another {$10.00} if you need to unfreeze it. Equifax, and honestly every reporting agency, should allow your credit to be frozen for free and at any time. Especially in response to this issue where they created a problem I would then have to pay them {$10.00} to correct. \n\nThey offer a credit monitoring service, but added language that indicates you can not participate in a class action lawsuit if you make use of it. At every turn they are making the wrong moves and the government should take action to protect the consumers harmed. \n\nThank you!","date_sent_to_company":"2017-09-08T17:43:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48152","tags":null,"has_narrative":true,"complaint_id":"2665994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T17:32:34.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have taken the steps I can to secure our <em>reports</em>, but this has huge implications for filing our taxes, getting <em>credit</em> in the future, and all the <em>other</em> potential <em>problems</em> of identity theft. \n\nTo top it off, Equifax and <em>other</em> agencies get to charge {$10.00} to freeze your <em>credit</em> and another {$10.00} if you need to unfreeze it. Equifax, and honestly every <em>reporting</em> agency, should allow your <em>credit</em> to be frozen for free and at any time."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[13.801966,"2665994"]},{"_index":"complaint-public-v1","_id":"10570285","_score":13.7912445,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Recently I was reviewing my credit report and I realized that I had a series of negative marks qualified as \" late payments '' and that they are affecting my personal life and my growth as this negative mark prevents me from obtaining and building credit and to realize my dreams and has even brought me family problems The negative mark is XXXX : XXXX and is being reported by the buro XXXX and equifax respectively and are being violated a number of laws by doing this and also my rights as a consumer. \n\nTo further substantiate the problem I attach the following Legal Grounds for Dispute According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term \" consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. \n\nThis means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a \" consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer Report. The term \" consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title. \n\nFICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX ) constitutes a violation of 15 U.S.C. 1681a. \n\nAdditionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of Payments Timing of Payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.","date_sent_to_company":"2024-10-24T15:04:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33837","tags":null,"has_narrative":true,"complaint_id":"10570285","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-24T15:04:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FICO and/or any <em>other</em> risk score or algorithm used to calculate a <em>consumers</em> <em>credit</em> score is not part of what defines a \" <em>consumer</em> <em>report</em> '' under the law. The legal definition of a <em>consumer</em> <em>report</em> is as follows : <em>Consumer</em> <em>Report</em>."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[13.7912445,"10570285"]},{"_index":"complaint-public-v1","_id":"2920146","_score":13.722028,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX is a consumer credit reporting agency I had never heard of until I applied for a loan. My credit score is not perfect, but its also not as low as this site is reporting. Theres no way to file a dispute online without giving all my most personal information. It seems as though other people have also run in to this problem. It seems very suspicious. As I trust the three major credit bureaus vs one that I never knew existed until today.","date_sent_to_company":"2018-05-30T07:15:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93420","tags":null,"has_narrative":true,"complaint_id":"2920146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ID Analytics, Inc.","date_received":"2018-05-30T03:04:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX is a <em>consumer</em> <em>credit</em> <em>reporting</em> agency I had never heard of until I applied for a loan. My <em>credit</em> score is not perfect, but its also not as low as this site is <em>reporting</em>. Theres no way to file a dispute online without giving all my most <em>personal</em> information. It seems as though <em>other</em> people have also run in to this <em>problem</em>. It seems very suspicious. As I trust the three major <em>credit</em> bureaus vs one that I never knew existed until today."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.722028,"2920146"]},{"_index":"complaint-public-v1","_id":"12686584","_score":13.656296,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Trying to unfreeze my credit with Experian. My personal information is not working to access this online and the phone tree will not allow me to speak to an agent and the phone tree hangs up in me. I am unable to access my credit report because it is frozen ( which I did in the past as a result of the data leak from this company ). I am concerned this company is making it difficult to contact them without purchasing a premium account. My wife had the same problem and multiple other consumers have complained about this. It should not be so hard to access my personal information.","date_sent_to_company":"2025-03-27T18:43:12.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"859XX","tags":null,"has_narrative":true,"complaint_id":"12686584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-27T18:35:58.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["My wife had the same <em>problem</em> and multiple <em>other</em> <em>consumers</em> have complained about this. It should not be so hard to access my <em>personal</em> information."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Other</em> <em>problem</em> getting your <em>report</em> or <em>credit</em> score"]},"sort":[13.656296,"12686584"]},{"_index":"complaint-public-v1","_id":"5981060","_score":13.59588,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Over the past several months I have been trying to correct errors on my credit report with XXXX, Experian XXXX XXXX but I have not been able to get any assistance. I have been requesting investigation after investigation but nothing has been done to resolve the problem. \n\nAccording to the FCRA, 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. However, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer. \n\nI do not make the law, its written in the FCRA. XXXX, XXXX, and Experian have failed to do a proper investigation. Not only did they fail to do a proper investigation, they are continuing to illegally report on my credit reports..which is a direct violation of the FCRA.","date_sent_to_company":"2022-09-14T22:08:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"723XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5981060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-14T22:08:12.000Z","state":"AR","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":["According to the FCRA, the term investigative <em>consumer</em> <em>report</em> means, a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or who may have knowledge concerning any such items of information."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.59588,"5981060"]},{"_index":"complaint-public-v1","_id":"2403591","_score":13.58407,"_source":{"product":"Credit reporting","complaint_what_happened":"Was rejected for a mortgage so the mortgage company sent me a letter telling me that, and included Trans Union as a reporting source. Tried to log in at the website the letter advised me was there to provide me a copy of my credit report, and the site advised me that my report was not available due to a data entry problem. That error note gave me a phone number which I called to probe the problem. Over a period of 4 hours ( really! ), I spoke to 14 representatives - from consumer relations, the offline department, the online department, customer service. Each representative asked for my personal information, spent time researching issues, and then referred me to another representative. Each referral was back and forth from one department to the other - and then back again. I never was able to get my credit report online.","date_sent_to_company":"2017-03-24T13:24:11.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"342XX","tags":"Older American","has_narrative":true,"complaint_id":"2403591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-03-24T13:24:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting report or credit score"},"highlight":{"complaint_what_happened":["), I spoke to 14 representatives - from <em>consumer</em> relations, the offline department, the online department, customer service. Each representative asked for my <em>personal</em> information, spent time researching issues, and then referred me to another representative. Each referral was back and forth from one department to the <em>other</em> - and then back again. I never was able to get my <em>credit</em> <em>report</em> online."],"product":["<em>Credit</em> <em>reporting</em>"],"issue":["Unable to get <em>credit</em> <em>report</em>/<em>credit</em> score"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Problem</em> getting <em>report</em> or <em>credit</em> score"]},"sort":[13.58407,"2403591"]},{"_index":"complaint-public-v1","_id":"5981175","_score":13.575462,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Over the past several months I have been trying to correct errors on my credit report with TransUnion, XXXX XXXX XXXX but I have not been able to get any assistance. I have been requesting investigation after investigation but nothing has been done to resolve the problem. \n\nAccording to the FCRA, 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. However, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer. \n\nI do not make the law, its written in the FCRA. TransUnion, XXXX, and XXXX have failed to do a proper investigation. Not only did they fail to do a proper investigation, they are continuing to illegally report on my credit reports..which is a direct violation of the FCRA.","date_sent_to_company":"2022-09-14T22:07:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"723XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5981175","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-14T21:52:46.000Z","state":"AR","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":["According to the FCRA, the term investigative <em>consumer</em> <em>report</em> means, a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or who may have knowledge concerning any such items of information."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.575462,"5981175"]},{"_index":"complaint-public-v1","_id":"5981061","_score":13.575462,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Over the past several months I have been trying to correct errors on my credit report with XXXX, XXXX & Equifax but I have not been able to get any assistance. I have been requesting investigation after investigation but nothing has been done to resolve the problem. \n\nAccording to the FCRA, 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. However, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer. \n\nI do not make the law, its written in the FCRA. XXXX, Equifax, and XXXX have failed to do a proper investigation. Not only did they fail to do a proper investigation, they are continuing to illegally report on my credit reports..which is a direct violation of the FCRA.","date_sent_to_company":"2022-09-14T22:08:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"723XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5981061","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-14T22:08:12.000Z","state":"AR","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["According to the FCRA, the term investigative <em>consumer</em> <em>report</em> means, a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or who may have knowledge concerning any such items of information."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.575462,"5981061"]},{"_index":"complaint-public-v1","_id":"2491655","_score":13.483884,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Still not fixed. I have full authority to act for my husband. It was brought to their attention over a month ago that they made a huge mistake. Their error in reporting is still affecting us greatly. Once it came to their attention they still have not fixed teh problem with that they falsely reported innacurate information to. I want an updated reported stating that judgment was vacated against both parties listed on complaint along with a letter that it was their error and a cc sent to me and my husband today. This is willful neglect and intentional what they are doing now  XXXX  CLOSED Submitted STATUS Submitted to the CFPB on  X/XX/2017    PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report We received your complaint. Thank you.     We 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.   YOUR COMPLAINT Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/2017    Date sent to company :  XX/XX/2017    Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been over  3 we ks since they said tehy have ATTACHMENTS  XXXX   XXXX  Hide full complaint What product or ser","date_sent_to_company":"2017-05-23T16:25:29.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"10022","tags":null,"has_narrative":true,"complaint_id":"2491655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2017-05-23T16:16:34.000Z","state":"NY","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":["This is willful neglect and intentional what they are doing now  XXXX  CLOSED Submitted STATUS Submitted to the CFPB on  X/XX/2017    PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE Incorrect information on your <em>report</em> We received your complaint. Thank you.     We will review your complaint."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a company's investigation into an existing issue"],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.483884,"2491655"]},{"_index":"complaint-public-v1","_id":"2103348","_score":13.460271,"_source":{"product":"Credit reporting","complaint_what_happened":"On the Equifax.com website they present the end user with security questions in order to access the annual \" free '' credit report. For example \" Your credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? '' They then provide XXXX multiple choice answers XXXX of which is None of the Above. The problem is that none of the answers pertain to your credit file and even if you answer none of the above the website reports back that your answers do not match up with their database. The questions and answers are bogus and essentially designed to prevent users from gaining access to their reports on-line. In each attempt the user fails the security \" test ''. The next window then asks the user to fax copies of personal documents ( e.g. driver license, XXXX, etc. ) to a particular phone number to verify identity. The intent is obviously to make it difficult for consumers to access their free report in the hope that consumers subscribe to their \" member services '' for a monthly fee. This is fraudulent. My wife and I have both tried to log-in on several occasions and the questions change each time but are never relevant to our credit history. We know these fictional accounts do not exist. How many others have experienced the same? If you search \" Equifax free credit report verification '' you will see that others have had similar problems. The other XXXX reporting agencies provide access without complaint.","date_sent_to_company":"2016-09-10T00:56:22.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"90720","tags":null,"has_narrative":true,"complaint_id":"2103348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-09-10T00:56:21.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem getting my free annual report"},"highlight":{"complaint_what_happened":["How many <em>others</em> have experienced the same? If you search \" Equifax free <em>credit</em> <em>report</em> verification '' you will see that <em>others</em> have had similar <em>problems</em>. The <em>other</em> XXXX <em>reporting</em> agencies provide access without complaint."],"product":["<em>Credit</em> <em>reporting</em>"],"issue":["Unable to get <em>credit</em> <em>report</em>/<em>credit</em> score"],"sub_issue":["<em>Problem</em> getting my free annual <em>report</em>"]},"sort":[13.460271,"2103348"]},{"_index":"complaint-public-v1","_id":"5838899","_score":13.376983,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Referring to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem This case has been open with Transunion for a month now, and I lack their response to get the credit report they used in my credit denial to XXXX  on XX/XX/2022. \n\nThe bureau is attempting to force me to pay for my information ; they did not pay me for it, so I don't feel this is a justifiable trade per the Fair Credit Reporting Act. \n\nYour agency has been ineffective in forcing the Credit Reporting Agency to stand behind its obligations to me as a consumer to have this \" Complete Report '' delivered so I can go about my business of correcting the errors they have in my file. \n\nI would appreciate your follow-through on this issue to have them do the right thing and deliver the report to me at no charge. It's my information, for God 's sake. \n\nThank You XXXX XXXX","date_sent_to_company":"2022-08-03T11:56:52.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"68130","tags":null,"has_narrative":true,"complaint_id":"5838899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-03T11:38:19.000Z","state":"NE","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":["Referring to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's investigation into an existing <em>problem</em> This case has been open with Transunion for a month now, and I lack their response to get the <em>credit</em> <em>report</em> they used in my <em>credit</em> denial to XXXX  on XX/XX/2022."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a company's investigation into an existing issue"],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.376983,"5838899"]},{"_index":"complaint-public-v1","_id":"2671830","_score":13.369919,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is regarding the Equifax data breach first reported to the public in XXXX 2017. Equifax has been completely unhelpful thus far, offering only a website ( www.equifaxsecurity2017.com ) where one can check if his/her information has POTENTIALLY been compromised. \n\nOne serious problem with using the site mentioned above is the terms of service on that site, which state that a person who uses the lookup service provided there waives his/her legal rights. Considering that personal information released in the data breach will be \" out there '' in the world in perpetuity, it is completely unacceptable that anyone be denied his/her legal rights by using their service. This is Equifax 's mess, that Equifax is now imposing on consumers ; taking away legal rights is completely unethical. Please investigate, and take steps against Equifax forcing them to remove such language and requirements from the website. \n\nAnother problem is that all attempts to get a copy of my credit report from Equifax have failed. I am accustomed the the procedure of getting my credit report from all three major credit reporting agencies. Equifax is requiring people to input all of their information, is asking questions to confirm identity, and then presents the online user with an error page ( for lack of a better term ) saying that the request for a credit report can not be processed. The same page instructs the user to send -- by snail mail -- an long and involved letter requesting the report, along with copies of the customer 's Social Security card and other personal documents. Again, Equifax is requiring this by snail mail. Given Equifax 's lax security and total breach of public trust, this request is ludicrous. Equifax can not be trusted with such delicate information, especially in hard copy format. \n\nThis is tantamount to denying me a credit report, since Equifax has demonstrated an astounding lack of security. \n\nFinal problem for the purpose of this report : Equifax can not be contacted for the purpose of placing a fraud alert AND a freeze on my credit account. Per the Consumer Financial Protection Bureau, placing a fraud alert with one reporting agency can result in the other two agencies being notified of the fraud alert, BUT ONLY IF YOU REQUEST IT EXPLICITLY. I did not know this when I placed a fraud alert through XXXX XXXX  website, and there was no notice on XXXX XXXX  website that I had to request that XXXX  have XXXX and Equifax also place fraud alerts on my accounts. \n\nEquifax has created a mess, and then made itself either a ) inaccessible to help consumers, and/or b ) to get help, you must use their www.equifaxsecurity2017.com website which causes the consumer to waive legal rights. This is not right, and Equifax needs to be investigated and compelled to protect consumers ' legal rights as well as be compelled to provide credit protection services -- not for one lousy year, but in perpetuity. After all, the information they were responsible for safeguarding will be \" out there '' forever. I and other consumers will have to incur extra expenses and hassles for decades to come. \n\nPlease investigate and force Equifax to correct the problems I detailed above.","date_sent_to_company":"2017-09-13T16:41:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07304","tags":null,"has_narrative":true,"complaint_id":"2671830","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-13T15:41:02.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is tantamount to denying me a <em>credit</em> <em>report</em>, since Equifax has demonstrated an astounding lack of security. \n\nFinal <em>problem</em> for the purpose of this <em>report</em> : Equifax can not be contacted for the purpose of placing a fraud alert AND a freeze on my <em>credit</em> account. Per the <em>Consumer</em> Financial Protection Bureau, placing a fraud alert with one <em>reporting</em> agency can result in the <em>other</em> two agencies being notified of the fraud alert, BUT ONLY IF YOU REQUEST IT EXPLICITLY."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[13.369919,"2671830"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3507,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3507}]}},"product":{"doc_count":3507,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer 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