{"took":163,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6446,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6268206","_score":18.06002,"_source":{"product":"Debt collection","complaint_what_happened":"SEQUIUM ASSET SOLUTIONS Located submitted XXXX XXXX XXXX obtaining information under false pretenses to the consumer 's credit corporation claiming to strike fear and under false pretenses, used FALSE impersonating to gain access to the consumer 's credit reports. Their claim and VIOLATIONS SUBMITTED information of being collector 's/ as well as claiming to be ATTORNEYS submitting a collect claim - a violation of the Fair debt collection practices Act. Also, the false. DECEPTIVE TRADE PRACTICES. By not notifying parties of the consumer 's dispute with FCRA. The CONSUMER will submit evidenciary proof in a report case information to the local authorities XX/XX/2022. Each XXXX  was given a different and more DECEPTIVE view of their DECEPTIVE TRADE PRACTICES than the NEXT XXXX  dispute XXXX XXXX. Alleged CONSUMER IS REPORTING VIOLATIONS AND DISPUTE TO CFPB AND FTC. ALONG WITH FEDERAL PROTECTIONS GIVEN. PRIOR BY THE FEDERAL SOCIAL SECURITY ADMINISTRATION MAKING THE CONSUMER \" JUDGEMENT PROOF. '' I SEND THIS WARNING FOR THE COLLECTOR NOT TO AGGREGATE AND AGGRAVATE MY DISABILTIES ANY FURTHER.","date_sent_to_company":"2022-12-01T08:12:35.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6268206","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sequium Asset Solutions, LLC","date_received":"2022-12-01T07:21:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["<em>DECEPTIVE</em> <em>TRADE</em> <em>PRACTICES</em>. By not notifying parties of the <em>consumer</em> 's dispute with FCRA. The <em>CONSUMER</em> will submit evidenciary proof in a report case information to the local authorities <em>XX/XX</em>/2022. Each <em>XXXX</em>  was given a different and more <em>DECEPTIVE</em> view of their <em>DECEPTIVE</em> <em>TRADE</em> <em>PRACTICES</em> than the NEXT <em>XXXX</em>  dispute <em>XXXX</em> <em>XXXX</em>. Alleged <em>CONSUMER</em> IS REPORTING VIOLATIONS AND DISPUTE TO CFPB AND FTC. ALONG WITH FEDERAL PROTECTIONS GIVEN."]},"sort":[18.06002,"6268206"]},{"_index":"complaint-public-v1","_id":"12386808","_score":17.825735,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Bankers Healthcare Group ( BHG Financial, hereafter referred to as BHG ), XXXX XXXX ( hereafter referred to as XXXX ), and XXXXXXXX XXXX XXXXXXXX ( hereafter collectively referred to as XXXX XXXX  ) engaged in multiple deceptive trade practices under Texas Deceptive Trade Practices Act and Federal Consumer Protection Laws disguising predatory and unfair consumer lending product as a business lending instrument as a means to circumvent and effectively strip away consumer protection of the personal guarantor and business owner. Additionally, the hiding or otherwise emitting of details on fees pertaining to lending. They further engaged in unfair business practices in breach of good faith and fair dealing and violated terms of the contract. A resolution to this claim is just and should be reached in good faith. A complete detailed description of the actions, supporting material, and proposed resolution has been attached.","date_sent_to_company":"2025-03-09T23:10:33.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"77406","tags":null,"has_narrative":true,"complaint_id":"12386808","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANKERS HEALTHCARE GROUP LLC","date_received":"2025-03-09T22:59:31.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Bankers Healthcare Group ( BHG Financial, hereafter referred to as BHG ), <em>XXXX</em> <em>XXXX</em> ( hereafter referred to as <em>XXXX</em> ), and XXXXXXXX <em>XXXX</em> XXXXXXXX ( hereafter collectively referred to as <em>XXXX</em> <em>XXXX</em>  ) engaged in multiple <em>deceptive</em> <em>trade</em> <em>practices</em> under Texas <em>Deceptive</em> <em>Trade</em> <em>Practices</em> Act and Federal <em>Consumer</em> Protection Laws disguising predatory and unfair <em>consumer</em> lending product as a business lending instrument as a means to circumvent and effectively strip away <em>consumer</em> protection of the personal"]},"sort":[17.825735,"12386808"]},{"_index":"complaint-public-v1","_id":"10496099","_score":17.740488,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There is XXXX inquiries on my credit report where there was no service rendered or contracts made. \nI am asking that they be removed because they are hurting my XXXX XXXX for a service I never received. \nUnder the federal trade Consumer Bill of Rights President John F. Kennedy introduced this concept in 1962 to promote four basic rights for consumers : The right to safety The right to be informed The right to choose The right to be heard Federal Trade Commission Act This act gives the Federal Trade Commission the power to : Prevent unfair or deceptive practices Seek relief for consumers who are harmed Establish rules to prevent unfair or deceptive","date_sent_to_company":"2024-10-18T07:29:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30058","tags":"Servicemember","has_narrative":true,"complaint_id":"10496099","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-18T07:28:59.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Kennedy introduced this concept in 1962 to promote four basic rights for <em>consumers</em> : The right to safety The right to be informed The right to choose The right to be heard Federal <em>Trade</em> Commission Act This act gives the Federal <em>Trade</em> Commission the power to : Prevent unfair or <em>deceptive</em> <em>practices</em> Seek relief for <em>consumers</em> who are harmed Establish rules to prevent unfair or <em>deceptive</em>"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.740488,"10496099"]},{"_index":"complaint-public-v1","_id":"12386568","_score":17.647116,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"XXXX XXXX XXXX ( XXXX XXXX, hereafter referred to as XXXX XXXX XXXX XXXX  ( hereafter referred to as XXXX ), and XXXXXXXX XXXX XXXXXXXX ( hereafter collectively referred to as XXXX XXXX  ) engaged in multiple deceptive trade practices under the Texas Deceptive Trade Practices Act and Federal Consumer Protection Laws disguising predatory and unfair consumer lending product as a business lending instrument as a means to circumvent and effectively strip away consumer protection of the personal guarantor and business owner. Additionally, the hiding or otherwise emitting of details on fees pertaining to lending. They further engaged in unfair business practices in breach of good faith and fair dealing and violated terms of the contract. A resolution to this claim is just and should be reached in good faith. To ensure visibility, transparency, and timely resolution of this matter, this complaint has been submitted to the following agencies concurrently. Please refer to the attached complaint and supporting materials for further details.","date_sent_to_company":"2025-03-09T23:19:50.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"77406","tags":null,"has_narrative":true,"complaint_id":"12386568","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PINNACLE FINANCIAL PARTNERS, INC.","date_received":"2025-03-09T23:14:37.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> <em>XXXX</em>, hereafter referred to as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  ( hereafter referred to as <em>XXXX</em> ), and XXXXXXXX <em>XXXX</em> XXXXXXXX ( hereafter collectively referred to as <em>XXXX</em> <em>XXXX</em>  ) engaged in multiple <em>deceptive</em> <em>trade</em> <em>practices</em> under the Texas <em>Deceptive</em> <em>Trade</em> <em>Practices</em> Act and Federal <em>Consumer</em> Protection Laws disguising predatory and unfair <em>consumer</em> lending product as a business lending instrument as a means to circumvent and effectively strip away <em>consumer</em> protection of the personal guarantor"]},"sort":[17.647116,"12386568"]},{"_index":"complaint-public-v1","_id":"10503677","_score":17.549555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There is XXXX inquiries on my credit report where there was no service rendered or contracts made. \nI am asking that they be removed because they are hurting my credit score for a service I never received. \nUnder the federal trade Consumer Bill of Rights President John F. Kennedy introduced this concept in 1962 to promote four basic rights for consumers : The right to safety The right to be informed The right to choose The right to be heard Federal Trade Commission Act This act gives the Federal Trade Commission the power to : Prevent unfair or deceptive practices Seek relief for consumers who are harmed Establish rules to prevent unfair or deceptive","date_sent_to_company":"2024-10-18T07:28:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30058","tags":"Servicemember","has_narrative":true,"complaint_id":"10503677","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-18T07:03:18.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Kennedy introduced this concept in 1962 to promote four basic rights for <em>consumers</em> : The right to safety The right to be informed The right to choose The right to be heard Federal <em>Trade</em> Commission Act This act gives the Federal <em>Trade</em> Commission the power to : Prevent unfair or <em>deceptive</em> <em>practices</em> Seek relief for <em>consumers</em> who are harmed Establish rules to prevent unfair or <em>deceptive</em>"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.549555,"10503677"]},{"_index":"complaint-public-v1","_id":"10710704","_score":17.498817,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Credit Karma , Inc . \nXXXX XXXX XXXX XXXX, CA XXXX Dear Credit Karma Support, Re : False Advertising, Deceptive Business Practices, and Compensation Demand I am writing to formally file a grievance regarding the misleading and deceptive business practices I have experienced on your platform, CreditKarma.com. This grievance concerns the false advertisement of pre-approved credit card offers, which have caused frustration, wasted time, and potential damage to my consumer experience & Credit Score. \n\nOn XX/XX/year>, I was presented with a pre-approved offer for the XXXX XXXX XXXX XXXX XXXX claiming an outstanding chance of approval. After applying, I received a notification that I already had this card, which is demonstrably false. Credit Karma, having access to my credit profile, should be fully aware that I do not have this card in my portfolio. \n\nThis practice constitutes a violation of several consumer protection laws, including but not limited to the following : 1. False Advertising As per Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ), any false or misleading advertising qualifies as an unfair or deceptive act. Credit Karmas pre-approval advertisements are clearly misleading consumers by offering products that are either unavailable or inappropriate, based on the consumers profile. \n2. Deceptive Trade Practices This practice violates the Texas Deceptive Trade Practices-Consumer Protection Act ( DTPA ) ( Texas Business & Commerce Code Ann . 17.46 ( b ) ( 12 ) ), which prohibits false or deceptive acts. Promoting a card that I allegedly already have based on faulty information from your platform reflects a clear case of deception. \nXXXX. Consumer Fraud The systematic misrepresentation of pre-approval offers constitutes a breach of the Truth in Lending Act ( TILA ) and Fair Credit Reporting Act ( FCRA ). Credit Karma is responsible for providing accurate and relevant credit card offers based on its access to consumer credit profiles. Failure to do so constitutes fraud. \n\nRequest for Compensation In light of the time lost and the distress caused by these deceptive practices, I am requesting compensation as part of the resolution to this matter. Compensation for misleading advertisements and false credit card offers is not unprecedented, particularly when a companys negligence leads to wasted time, potential damage to credit profiles, and frustration for the consumer. \n\nI believe a compensation amount of {$1500.00} is a reasonable request to cover my time, energy, and distress caused by these faulty practices. This would reflect not only a goodwill gesture but also an acknowledgment of your companys responsibility to adhere to fair business practices. \n\n\n\n\n\n\n\n\n\n\n\nDemands In response to this letter, I request : 1. A full explanation for these deceptive practices.\n\n2. A review of the specific offers promoted to me and corrective actions taken.\n\n3. Removal of these fraudulent pre-approval notices from your platform.\n\n4. Written confirmation that compensation in the amount of {$1500.00} will be issued to cover the inconvenience caused. \n\nFailure to address this request in full within 30 days of receipt of this letter will result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office. \n\nI look forward to your prompt attention to this matter and expect a detailed response by XX/XX/year>.","date_sent_to_company":"2024-11-07T16:27:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75248","tags":null,"has_narrative":true,"complaint_id":"10710704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2024-11-07T16:19:16.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Deceptive</em> <em>Trade</em> <em>Practices</em> This <em>practice</em> violates the Texas <em>Deceptive</em> <em>Trade</em> <em>Practices</em>-<em>Consumer</em> Protection Act ( DTPA ) ( Texas Business & Commerce Code Ann . 17.46 ( b ) ( 12 ) ), which prohibits false or <em>deceptive</em> acts. Promoting a card that I allegedly already have based on faulty information from your platform reflects a clear case of deception. \n<em>XXXX</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.498817,"10710704"]},{"_index":"complaint-public-v1","_id":"6192578","_score":17.359486,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"EXPERIAN XXXX. with intent shared private and protected information about cosumer information that EXPERIAN XXXX. is aware of that via FEDERAL LAW EXPERIAN HAD BEEN TOLD BY THE CREATION OF 15 U.S.C. 1681 AS WELL ASSTATE LAW OF DECEPTIVE TRADE P RATICES AS WELL AS A MEDICAL IDENTITY FRAUD CONCLUDED THAT THE COMPANY MERCHANTS & PROFESSIONAL COLLECTION BUREAU , INC. HAD BEEN FOUND USING DECEPTIVE TRADE PRACTICES, AND YET CONTINUED TO PROMOTE THEIR FRAUDULENT TACTICS TO VIOLATE THE CONSUMER 'S RIGHTS TO DEFAME THE CONSUMER & PROMOTE THEIR TYRANNY WITHOUT PROPER ACCURACY AND DELETING THE ACCOUNT TO LIVE OF TO PROMISE OF GUARANTEED \" MAXIMUM ACCURACY POSSIBLE. '' XX/XX/2022 - ISSUED. STATEMENT OF COMPANY RESPONSE AS TO THE DECEPTIVE AND FRAUDLENT ACTIONS TAKEN AGAINST THE CONSUMER PROTECTED BY FEDERAL LAWS CREATED TO PROTECT XXXX CONSUMERS FROM DECEPTIVE TRADE PRACTICES SUCH AS FRAUDULENTLY TELLING THE CONSUMER THAT THEY WERE ATTORNEYS, VIOATIONS OF THE \" NO SURPRIZE ACT '' CREATED & SIGNED XX/XX/2022. THE COMPANY KNOWN AS \" XXXX '' ALSO STATED THAT THEY DO NOT COLLECT DEBTS. '' AS STATED ON ORIGINAL LETTERHEAD. THE COMPANY HAD NO CONTRACT AS VALIDATION WITH A \" WET SIGNATURE. \n\" COMPANY RESPONSE STATED- Company 's Response The account has been returned to XXXX XXXX  XXXX XXXX and our reporting of the account is in the process of being removed from the three credit bureau files. Please allow 5 to 7 days for process to be complete.","date_sent_to_company":"2022-11-13T12:01:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6192578","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-13T11:22:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["STATEMENT OF COMPANY RESPONSE AS TO THE <em>DECEPTIVE</em> AND FRAUDLENT ACTIONS TAKEN AGAINST THE <em>CONSUMER</em> PROTECTED BY FEDERAL LAWS CREATED TO PROTECT <em>XXXX</em> <em>CONSUMERS</em> FROM <em>DECEPTIVE</em> <em>TRADE</em> <em>PRACTICES</em> SUCH AS FRAUDULENTLY TELLING THE <em>CONSUMER</em> THAT THEY WERE ATTORNEYS, VIOATIONS OF THE \" NO SURPRIZE ACT '' CREATED & SIGNED <em>XX/XX</em>/2022. THE COMPANY KNOWN AS \" <em>XXXX</em> '' ALSO STATED THAT THEY DO NOT COLLECT DEBTS. '' AS STATED ON ORIGINAL LETTERHEAD."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[17.359486,"6192578"]},{"_index":"complaint-public-v1","_id":"13235396","_score":17.315016,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I need proof of holding in due course and that they have legal right to enforce the debt obligation due to securitization proof of XXXX on a XXXX to prove perfection of interest. dealership falsified paperwork so XXXX exercising my right of rescission and recoupment of down payment and all funds paid and release of XXXX. The need for the down payment is not in the contract as a requirement but i was told i had to make a down payment and it is not a contractual requirement i agreed to. i need proof of perfected security interest with a copy of the ucc they filed for the lien on the vehicle since i have searched for it online on va website ucc 11 search. i paid {$500.00} down payment the receipt says {$1000.00} and the contract says {$1300.00} proof of Consumer Fraud / Deceptive Trade Practice the dealership misrepresents the amount paid or owed, that can be prosecuted under your states Unfair and Deceptive Acts and Practices ( UDAP ) law. XXXX. Virginia Consumer Protection Act ( VCPA ) Va. Code 59.1-196 et seq.Federal Trade Commission Act ( 15 U.S.C. 45 ) for unfair or deceptive practices. Federal Trade Commission Act ( 15 U.S.C. 45 ) for unfair or deceptive practices. Common law Fraud or Intentional Misrepresentation. Unjust Enrichment. Contract Law Violations UCC Article 2 ( Sales ) UCC 1-3 UCC 2-201 ). Breach of contract false terms. Unjust enrichment or conversion. Va. Code 18.2-172 a. Code 18.2-178 TILA Violations.","date_sent_to_company":"2025-06-18T16:53:14.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"21244","tags":null,"has_narrative":true,"complaint_id":"13235396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GFS II, LLC","date_received":"2025-04-29T20:16:15.000Z","state":"MD","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["<em>XXXX</em>. Virginia <em>Consumer</em> Protection Act ( VCPA ) Va. Code 59.1-196 et seq.Federal <em>Trade</em> Commission Act ( 15 U.S.C. 45 ) for unfair or <em>deceptive</em> <em>practices</em>. Federal <em>Trade</em> Commission Act ( 15 U.S.C. 45 ) for unfair or <em>deceptive</em> <em>practices</em>. Common law Fraud or Intentional Misrepresentation. Unjust Enrichment. Contract Law Violations UCC Article 2 ( Sales ) UCC 1-3 UCC 2-201 ). Breach of contract false terms. Unjust enrichment or conversion. Va. Code 18.2-172 a. Code 18.2-178 TILA Violations."]},"sort":[17.315016,"13235396"]},{"_index":"complaint-public-v1","_id":"3611603","_score":16.952335,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ftc violations BUCKLE Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XX/XX/XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... \n\nSearch Results Web results FTC Obtains Record {$190.00} Million Settlement from University ... www.ftc.gov news-events press-releases XX/XX/XXXX XX/XX/XXXX - The University XXXX XXXX ( XXXX ) and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} million to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ...","date_sent_to_company":"2020-04-17T22:28:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77632","tags":null,"has_narrative":true,"complaint_id":"3611603","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-04-17T22:28:53.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["These statutes, commonly known as Unfair and <em>Deceptive</em> Acts and <em>Practices</em> or UDAP statutes, provide bedrock protections for <em>consumers</em>.XX/XX/<em>XXXX</em> Unfair & <em>Deceptive</em> Acts & <em>Practices</em> - National <em>Consumer</em> Law ..."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.952335,"3611603"]},{"_index":"complaint-public-v1","_id":"3611598","_score":16.947868,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ftc violations XXXX  Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XXXX  XXXX, XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XXXX  XXXX, XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... \n\nSearch Results Web results FTC Obtains Record {$190.00} XXXX Settlement from University ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - The University XXXX XXXX XXXX XXXX XXXX and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ...","date_sent_to_company":"2020-04-17T22:28:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77632","tags":null,"has_narrative":true,"complaint_id":"3611598","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-04-17T22:19:00.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["These statutes, commonly known as Unfair and <em>Deceptive</em> Acts and <em>Practices</em> or UDAP statutes, provide bedrock protections for <em>consumers</em>.<em>XXXX</em>  <em>XXXX</em>, <em>XXXX</em> Unfair & <em>Deceptive</em> Acts & <em>Practices</em> - National <em>Consumer</em> Law ..."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[16.947868,"3611598"]},{"_index":"complaint-public-v1","_id":"3611602","_score":16.94069,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ftc violations BUCKLE Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XX/XX/XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... \n\nSearch Results Web results FTC Obtains Record {$190.00} XXXX Settlement from University ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - The University XXXX XXXX XXXX XXXX XXXX and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ...","date_sent_to_company":"2020-04-17T22:28:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77632","tags":null,"has_narrative":true,"complaint_id":"3611602","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-04-17T22:28:53.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["These statutes, commonly known as Unfair and <em>Deceptive</em> Acts and <em>Practices</em> or UDAP statutes, provide bedrock protections for <em>consumers</em>.XX/XX/<em>XXXX</em> Unfair & <em>Deceptive</em> Acts & <em>Practices</em> - National <em>Consumer</em> Law ..."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.94069,"3611602"]},{"_index":"complaint-public-v1","_id":"13772170","_score":16.701609,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XXXX XXXX, 2025, I used Crypto.com to withdraw {$100.00} USD worth of Bitcoin ( BTC ). After the transaction, I discovered that only {$55.00} USD worth of BTC was actually sent. The remaining {$45.00} USD was deducted and labeled as a network fee.\n\nHowever, the actual blockchain miner fee recorded on the Bitcoin network was just {$1.00}. This means that Crypto.com withheld more than {$43.00} USD of my funds without proper disclosure or justification.\n\nNo clear warning, itemized breakdown, or consent request was provided before confirming the transaction. The label network fee falsely implied that the full amount was charged by the blockchain network. When I raised this issue, Crypto.com refused to refund the difference or acknowledge the misleading nature of the deduction.\n\nWhy this is a problem : This is not a policy dispute it is a deceptive and unfair business practice, and constitutes violations of both federal and state consumer protection laws : South Carolina Unfair Trade Practices Act ( S.C. Code 39-5-10 et seq. ), which prohibits businesses from using unfair or deceptive acts in trade or commerce ; Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), which prohibits unfair or deceptive acts or practices affecting interstate commerce.\n\nCrypto.coms actions meet the legal definition of deception they failed to disclose a material fee, misrepresented its nature, and retained funds under misleading pretenses. These practices are capable of deceiving consumers, even if not every user is misled.","date_sent_to_company":"2025-05-28T16:40:19.000Z","issue":"Unexpected or other fees","sub_product":"Virtual currency","zip_code":"29108","tags":null,"has_narrative":true,"complaint_id":"13772170","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Foris DAX, Inc.","date_received":"2025-05-28T16:18:21.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Why this is a problem : This is not a policy dispute it is a <em>deceptive</em> and unfair business <em>practice</em>, and constitutes violations of both federal and state <em>consumer</em> protection laws : South Carolina Unfair <em>Trade</em> <em>Practices</em> Act ( S.C. Code 39-5-10 et seq. ), which prohibits businesses from using unfair or <em>deceptive</em> acts in <em>trade</em> or commerce ; Federal <em>Trade</em> Commission Act ( 15 U.S.C. 45 ( a ) ), which prohibits unfair or <em>deceptive</em> acts or <em>practices</em> affecting interstate commerce."]},"sort":[16.701609,"13772170"]},{"_index":"complaint-public-v1","_id":"6965181","_score":16.634912,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Dear Department of Consumer Protection, I am writing to bring to your attention an issue that I have experienced with American Express. Recently, I received a merchant offer from American Express that promised a certain benefit if I made a purchase at a XXXXXXXX XXXX wine. Specifically, {$50.00} credit when making a purchase over {$100.00}. However, when I attempted to redeem this offer, I was informed that my purchase didn't qualify. I verified through my XXXX history that I did go to the right website. Furthermore, I recorded my transaction and discovered when attempting to pay for the transaction, the website diverts you away from the Amex sponsored page. I contacted customer service attempting to show proof that I was compliant with the terms and conditions. I was told my concern was escalated but after several calls on my status I was told that there is no foreseeable resolution time. \n\nThis is a clear case of fraud on the part of American Express. By sending out an offer and then not honoring it, they have misled me and potentially many other consumers. I believe that this is a violation of consumer protection laws and that American Express should be held accountable for their actions. \n\nFurthermore, The Federal Trade Commission Act prohibits unfair or deceptive acts or practices in commerce, including false or misleading advertising. If American Express made a false or misleading offer, they may have violated this act. \n\n2. The Uniform Deceptive Trade Practices Act ( UDTPA ) is a model act that has been adopted by many states. It prohibits deceptive trade practices, including false advertising. If American Express 's offer was deceptive, they may have violated this act. \n\n3. In the case of Federal Trade Commission XXXX XXXX XXXX XXXX XXXX , 67 F. Supp. 3d 1303 ( N.D. Ga. 2014 ), the court held that a company 's failure to honor a promotional offer was a deceptive act or practice under the Federal Trade Commission Act. \n\n4. In the case of In re : XXXX XXXXXXXX Marketing and Sales Practices Litigation, 953 F. Supp. 2d 907 ( E.D. Va. 2013 ), the court held that a company 's failure to honor a promotional offer was a breach of contract and a violation of state consumer protection laws. \n\nBased on these legal precedents and codes, it seems clear that American Express may have committed fraud by sending out a merchant offer and then not honoring it. I hope this information is helpful. \n\nI would appreciate your assistance in resolving this matter. I believe that American Express should be required to honor the offer that they sent out, or to provide compensation to those who were affected by their fraudulent behavior. I also believe that American Express should be required to take steps to prevent this type of behavior from happening in the future. \n\nThank you for your attention to this matter. I look forward to hearing from you soon. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-05-11T20:42:19.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"787XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6965181","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-05-11T20:31:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The Uniform <em>Deceptive</em> <em>Trade</em> <em>Practices</em> Act ( UDTPA ) is a model act that has been adopted by many states. It prohibits <em>deceptive</em> <em>trade</em> <em>practices</em>, including false advertising. If American Express 's offer was <em>deceptive</em>, they may have violated this act. \n\n3. In the case of Federal <em>Trade</em> Commission <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> , 67 F. Supp. 3d 1303 ( N.D."]},"sort":[16.634912,"6965181"]},{"_index":"complaint-public-v1","_id":"2896217","_score":16.591389,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In XX/XX/2016 I purchased a vehicle from XXXXXXXX XXXX  XXXX XXXX. The vehicle was financed through XXXXXXXX XXXX 's private finance corporation XXXX XXXX. \n\nAfter attempting to trade-in the vehicle at a competitor 's dealership, a XXXX report was run and I was advised that my vehicle had prior structural/frame collision damage to the driver 's side and the rear of the vehicle. This information had not previously been disclosed at the time of purchase. XXXX XXXX violated Chapter 17, subsection E of the Deceptive Trade Practices Act by knowingly selling a vehicle that had prior collision damage and whose value was misrepresented at the time of purchase. The value of my vehicle at present when attempting to trade it in is roughly {$4000.00}, however, the payoff on the vehicle is {$12000.00}, which is nearly triple the actual value of the car, that had pre-existing damage to its frame. \n\nThe conduct of the sales staff at XXXXXXXX XXXX was a producing cause of my damages. XXXX XXXX and XXXX XXXX were in direct benefit from the misleading transaction. \n\nSection 17.50 of the Texas Business and Commerce Code describes five ( 5 ) types of wrongful acts that can provide a basis for a consumers suit under the DTPA. These include  deceptive acts or practices, breach of warranty, unconscionable course of action, violations of the Texas Insurance Code and violations of tie-in statutes. Section 17.46 ( b ) of the Texas Business and Commerce Code sets  forth the specific acts or practices that are considered false, misleading or deceptive. Because the DTPA does not create any warranties, the plaintiff must rely on other statutory provisions such as the Uniform Commercial Code or the common law to establish the warranty. An unconscionable act or practice means any act that, to the consumers detriment, takes advantage of the consumers lack of knowledge, ability, experience or capacity to a grossly unfair degree.","date_sent_to_company":"2018-05-04T07:47:49.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2896217","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"COOLEY ENTERPRISES INC","date_received":"2018-05-04T07:23:21.000Z","state":"TX","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> violated Chapter 17, subsection E of the <em>Deceptive</em> <em>Trade</em> <em>Practices</em> Act by knowingly selling a vehicle that had prior collision damage and whose value was misrepresented at the time of purchase. The value of my vehicle at present when attempting to <em>trade</em> it in is roughly {$4000.00}, however, the payoff on the vehicle is {$12000.00}, which is nearly triple the actual value of the car, that had pre-existing damage to its frame."]},"sort":[16.591389,"2896217"]},{"_index":"complaint-public-v1","_id":"11299614","_score":16.507473,"_source":{"product":"Debt collection","complaint_what_happened":"I wrote to Santander Consumer USA on XX/XX/year> requesting account records due to deceptive trade practices and a fraudulent contract. Santander Consumer USA has dismissed my concerns and has advised they will continue to collect on a fraudulent and disputed debt. The said contract is in arbitration with XXXX XXXX XXXX for auto dealer fraud involving yo-yo financing, misrepresentation and deceptive trade practices. Santander Consumer USA is violating my rights under the Truth in Lending Act, the Fair Debt Collection Practices Act, and the Virginia Consumer Protection Act. I wrote to Santander Consumer USA on XX/XX/year> advising they have incorrect information on file to which they have continued to ignore. I have advised them that I have no record of a binding contract with a date of XX/XX/year> and that contract is fraudulent. My records indicate the contract date is XX/XX/year> which conflicts with the information Santander Consumer USA has on file. The documentation Santander USA provided me with on XX/XX/year> also supports my claim. The GAP warranty addendum supports my claim of the contract date being XX/XX/year> as does the maintenance agreement. The attached documents clearly show discrepancies which violate consumer protection laws.","date_sent_to_company":"2024-12-27T17:45:52.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"229XX","tags":null,"has_narrative":true,"complaint_id":"11299614","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2024-12-27T16:56:28.000Z","state":"VA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I wrote to Santander <em>Consumer</em> USA on XX/XX/year> requesting account records due to <em>deceptive</em> <em>trade</em> <em>practices</em> and a fraudulent contract. Santander <em>Consumer</em> USA has dismissed my concerns and has advised they will continue to collect on a fraudulent and disputed debt. The said contract is in arbitration with <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> for auto dealer fraud involving yo-yo financing, misrepresentation and <em>deceptive</em> <em>trade</em> <em>practices</em>."]},"sort":[16.507473,"11299614"]},{"_index":"complaint-public-v1","_id":"18075705","_score":16.465899,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Predatory Lending, Criminal Usury & Deceptive Practices by NetCredit I am filing a formal complaint against NetCredit for violating Florida usury and consumer protection laws. \n\nNetCredit charged me an XXXX exceeding XXXX XXXX, far beyond XXXX legal limits. The loan terms were vague, misleading, and I was never provided with a copy of any signed contract. \n\nThe lender continues to report the alleged debt to credit bureaus, causing harm to my financial reputation. \n\nThese practices constitute : Civil and criminal usury Failure of clear disclosure Unfair and deceptive trade practices Predatory and abusive lending I request investigation, enforcement action, and corrective relief. \n\n\nLoan Account : XXXX","date_sent_to_company":"2025-12-03T14:29:40.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Personal line of credit","zip_code":"32792","tags":null,"has_narrative":true,"complaint_id":"18075705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2025-12-03T14:21:15.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["These <em>practices</em> constitute : Civil and criminal usury Failure of clear disclosure Unfair and <em>deceptive</em> <em>trade</em> <em>practices</em> Predatory and abusive lending I request investigation, enforcement action, and corrective relief. \n\n\nLoan Account : <em>XXXX</em>"]},"sort":[16.465899,"18075705"]},{"_index":"complaint-public-v1","_id":"6757038","_score":16.44577,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This was paid in full by XXXX XXXX Claim and XXXX XXXX XXXX. The collection company XXXX XXXX placed a new collection on my credit report as if I opened an account. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit report.","date_sent_to_company":"2023-03-27T17:32:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75126","tags":"Servicemember","has_narrative":true,"complaint_id":"6757038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-27T17:32:00.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This was paid in full by <em>XXXX</em> <em>XXXX</em> Claim and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. The collection company <em>XXXX</em> <em>XXXX</em> placed a new collection on my credit report as if I opened an account. This is <em>deceptive</em> <em>trade</em> <em>practices</em>, and I should be protected as a <em>consumer</em> against this fraudulent reporting on my credit report."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[16.44577,"6757038"]},{"_index":"complaint-public-v1","_id":"6242897","_score":16.435892,"_source":{"product":"Debt collection","complaint_what_happened":"EXPERIAN LLC. VIOLATED FCRA BY NOT SENDING NOTIFICATIONS TO THE CONSUMER OF ANY IMPENDING ADVERSE, NEGATIVE ACTION IMPACTING THE CONSUMER 'S CREDIT REPORTS! SECONDLY, The Creditor AND PUBLISHER failed in that it did not conduct a reasonable investigation. Secondly the company did not accurately correct inaccurate information- nor because they caught to intimidate a consumer by not removing the disputed item under 15 U.S.C. 1681Ia [ 1.a ] by not removing or willful non compliance remove the negative and inaccurate information when EXPERIAN LLC . Was notified that the account information was under dispute via the CFPB PORTAL. notify when it DID NOT supplied the negative information. The Creditor also failed because they refused to notate my right to Dispute the ERRONEOUS negative information. The user must notify when it post negative information. This is defined as IMPERMISSIBLE PURPOSE. LASTLY it is also a Violation of the FCRA & FDCPA AS WELL AS THE FEDERAL TRADE COMMISSION VIOLATIONS to utilize \" DECEPTIVE TRADE PRACTICES TO CLAIMING AUTHORITY TO USE FEAR TACTICS TO LIE ABOUT THE CLAIM THAT THEY REPORTED TO IMPERSONATE THAT THE WERE \" ATTORNEYS '' IN VIOLATION FOR STATE & FEDERAL LAWS OF THE \" SURPRISES ACT. OF XX/XX/2021. FOR THESE VIOLATIONS OF FEDERAL & STATE LAWS THE CONSUMER IS GOING TO INFORM THE FEDERAL TRADE ADMINISTRATION AS WELL AS THE ATTORNEY GENERAL 'S OFFICE AS WELL AS THE BETTER BUSINESS BUREAU OF THESE VIOLATIONS OF LAW ENACTED BY THE BUREAU AND THE FURNISHER OF THE INFORMATION FOR. APPLIED DECEPTIVE & UNFAIR TRADE PRACTICES TO DECEIVE AND STRIKE FEAR INTO THE CONSUMER THROUGH IDENTITY THEFT AS WELL AS TO THE CONSUMER 'S CREDIT REPORTS WITH THE INTENT TO BOTH DECEIVE AND COLLECT NEGATIVE AND ERRONEOUS INFORMATION WITHOUT WRITTEN CONSENT OR A CONTRACT. \" NOW THAT YOU UNDERSTAND YOUR ERRONEOUS, NEGATIVE, INCORRECT AS WELL AS INCOMPLETE VIOLATIONS OF FEDERAL LAW, WITHOUT ANY WRITTEN PERMISSION OR WRITTEN CONSENT BEFOREHAND OR WITHOUT THE CONSUMER 'S CONSENT BEFORE STANDING ON MY PRIVATE - FROZEN CONSUMER REPORTS!! - Now that you know THIS - DELETE IMMEDIATELY THESE VIOLATIONS! The CONSUMER will inform the FEDERAL TRADE COMMISSION OF THE PARTIES DECEPTIVE TRADE VIOLATIONS AT ONCE!","date_sent_to_company":"2022-11-26T09:20:48.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6242897","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-26T07:58:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["The <em>CONSUMER</em> will inform the FEDERAL <em>TRADE</em> COMMISSION OF THE PARTIES <em>DECEPTIVE</em> <em>TRADE</em> VIOLATIONS AT ONCE!"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.435892,"6242897"]},{"_index":"complaint-public-v1","_id":"12502312","_score":16.430101,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Details : Company Name : LexisNexis Risk Solutions Consumer File Number : XXXX Previous Dispute Tracking Numbers : XXXX, XXXX Summary of Complaint : I am filing this complaint against LexisNexis Risk Solutions for engaging in unfair and deceptive practices ( UDAP ) related to the reporting of an inaccurate bankruptcy record on my consumer file. Despite multiple disputes and legal requests, LexisNexis has failed to verify the accuracy of the bankruptcy, provided misleading responses, and obstructed the dispute process in violation of the Fair Credit Reporting Act ( FCRA ) and FTC Act.\n\nUnfair & Deceptive Practices by LexisNexis : 1. Failure to Verify Reported Bankruptcy Record FCRA Violation & Deceptive Conduct LexisNexis continues to report a bankruptcy record without any court-certified documentation or verification from a legitimate source.\n\nThe company claims to rely on PACER for bankruptcy records, but PACER itself is not an official consumer reporting source and does not verify data accuracy for third parties.\n\nMisleading consumers into believing PACER records are \" verified '' bankruptcies is deceptive and violates consumer protection laws.\n\n2. Improperly Redirecting Disputes to Credit Bureaus Instead of conducting an independent reinvestigation as required under FCRA 1681s-2 ( b ), LexisNexis forwarded my dispute to XXXX, XXXX, and XXXX. \nThis deceptive practice misleads consumers into thinking the credit bureaus are responsible for verification, when in fact, LexisNexis is the original data furnisher and must verify the information itself. \nShifting responsibility while failing to provide proof is a deceptive trade practice. \n3. Obstruction of Consumer Rights by Requiring Unnecessary Authentication Documents LexisNexis delayed processing my dispute by requesting multiple rounds of identity verification documents, despite having previously authenticated my identity.\n\nThese repeated, unnecessary authentication demands serve as an obstruction tactic to prevent a timely reinvestigation, violating FCRA 1681i ( a ).\n\nDeliberately delaying consumer disputes through baseless verification requests is deceptive and unfair.\n\n4. Failure to Delete Unverifiable Information Violation of FCRA 1681i ( a ) ( 5 ) Since LexisNexis has failed to provide any verifiable proof of the bankruptcy, it is legally obligated to delete the record from my file. \nDespite multiple requests, LexisNexis continues to report the disputed bankruptcy, knowingly harming my credit and financial standing. \nFailure to remove inaccurate data after being unable to verify it is an unfair trade practice and violates FCRA. \n5. Consumer Harm Resulting from LexisNexis ' Deceptive Practices Significant credit damage due to the false bankruptcy record remaining on my consumer file. \nDenials of credit, higher interest rates, and financial harm due to fraudulent reporting. \nEmotional distress and unnecessary legal expenses due to LexisNexis obstruction of my dispute rights.","date_sent_to_company":"2025-03-17T02:46:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34606","tags":"Servicemember","has_narrative":true,"complaint_id":"12502312","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-03-17T02:29:01.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This <em>deceptive</em> <em>practice</em> misleads <em>consumers</em> into thinking the credit bureaus are responsible for verification, when in fact, LexisNexis is the original data furnisher and must verify the information itself. \nShifting responsibility while failing to provide proof is a <em>deceptive</em> <em>trade</em> <em>practice</em>. \n3."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[16.430101,"12502312"]},{"_index":"complaint-public-v1","_id":"9460468","_score":16.403175,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally request detailed verification and validation of a bankruptcy entry reported on my TransUnion files that was verified as accurate by on XX/XX/XXXX. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), and the Gramm-Leach-Bliley Act ( GLBA ). \nDisputed Bankruptcy Information : - File number : XXXX - *Bankruptcy Case XXXX - *Filing Date* : XX/XX/XXXX - *Status* : XXXX through Bankruptcy XXXX  XXXX Basis for Request : Fair Credit Reporting Act ( FCRA ) Compliance : 1. Accuracy and Completeness : Under the FCRA, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. The bankruptcy entry in my TransUnion file must meet this standard of accuracy and completeness.\n\n2. Reinvestigation Requirements : Pursuant to 15 U.S.C. 1681i ( a ), when a consumer disputes the accuracy of any item of information in their file, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. I am requesting detailed information about the reinvestigation process conducted by TransUnion regarding this bankruptcy entry.\n\n3. Unverifiable Information : According to 15 U.S.C. 1681i ( a ) ( 5 ), if, after a reinvestigation, the disputed information can not be verified, the consumer reporting agency must promptly delete the information from the consumer 's file.\n\nFlorida Deceptive and Unfair Trade Practices Act ( FDUTPA ) Compliance : 1. Deceptive and Unfair Practices : The reporting of inaccurate or unverifiable information may constitute deceptive and unfair trade practices under FDUTPA, Section 501.204. TransUnion is required to ensure that all reported information is accurate and fair to prevent consumer harm.\n\nGramm-Leach-Bliley Act ( GLBA ) Compliance : 1. Privacy and Safeguards Rule : Under the GLBA, 15 U.S.C. 6801, financial institutions are required to protect the privacy and confidentiality of consumer information. The reporting and verification of my bankruptcy must comply with the GLBAs Privacy and Safeguards Rule to ensure the protection of my personal information.","date_sent_to_company":"2024-07-09T22:15:07.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"34691","tags":null,"has_narrative":true,"complaint_id":"9460468","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-09T21:39:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Unverifiable Information : According to 15 U.S.C. 1681i ( a ) ( 5 ), if, after a reinvestigation, the disputed information can not be verified, the <em>consumer</em> reporting agency must promptly delete the information from the <em>consumer</em> 's file.\n\nFlorida <em>Deceptive</em> and Unfair <em>Trade</em> <em>Practices</em> Act ( FDUTPA ) Compliance : 1. <em>Deceptive</em> and Unfair <em>Practices</em> : The reporting of inaccurate or unverifiable information may constitute <em>deceptive</em> and unfair <em>trade</em> <em>practices</em> under FDUTPA, Section 501.204."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"sub_product":["Other personal <em>consumer</em> report"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.403175,"9460468"]},{"_index":"complaint-public-v1","_id":"6756099","_score":16.393398,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This was paid in full by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The collection company Westlake Financil placed a new collection on my credit report as if I opened an account. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit report.","date_sent_to_company":"2023-03-27T17:31:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75126","tags":"Servicemember","has_narrative":true,"complaint_id":"6756099","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2023-03-27T17:22:00.000Z","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 information incorrect"},"highlight":{"complaint_what_happened":["This was paid in full by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em>. The collection company Westlake Financil placed a new collection on my credit report as if I opened an account. This is <em>deceptive</em> <em>trade</em> <em>practices</em>, and I should be protected as a <em>consumer</em> against this fraudulent reporting on my credit report."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.393398,"6756099"]},{"_index":"complaint-public-v1","_id":"12062408","_score":16.372759,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/year> To TransUnion Subject : Formal Complaint Regarding Inaccurate Derogatory Remarks on Credit Report I am writing to formally dispute two derogatory remarks reported by XXXX XXXX  on my credit report. These remarks pertain to a collection trade line that is inaccurate, misleading, and in violation of federal regulations. \n\nThe issues with this account are as follows : XXXX. Inaccuracy of Debt Status : The account in question pertains to a tradeline that was sold and subsequently satisfied. The original creditor, XXXX XXXX XXXX, issued a Form 1099-C to the IRS, effectively forgiving the debt and zeroing out the account balance. As per IRS guidelines, the issuance of a 1099-C ultimately showed beyond doubt that the creditor has canceled the debt, thus nullifying further collection efforts or reporting of outstanding balances. LVNV Fundings claim to the debt is baseless, as the obligation was already resolved. \nXXXX. Violation of 15 U.S.C. 1681c ( Fair Credit Reporting Act ) : The continued reporting of this adverse item violates 15 U.S.C. 1681c, which states that no adverse item of information shall remain on a credit report under these circumstances. Reporting this derogatory remark is not only inaccurate but constitutes deceptive and unfair practices. \nXXXX. Deceptive Practices by XXXX XXXX XXXX  and XXXX XXXX  : XXXX XXXX falsely represents itself as the original creditor, when, in fact, the original creditor is XXXX XXXX XXXX. This misrepresentation demonstrates deceptive practices aimed at misleading consumers. Furthermore, the actions of both parties amount to a coordinated effort to perpetuate a false narrative regarding the status of this debt, thereby violating my consumer rights. \n\nI am requesting the following : Immediate removal of the inaccurate trade-lines from my credit report. \nA thorough investigation into the deceptive practices of XXXX XXXX XXXX and XXXX XXXX. \nWritten confirmation of the resolution of this matter. \n\nI reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities if this issue is not resolved promptly. Additionally, I may pursue legal remedies under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) for any damages caused by these inaccurate and deceptive practices. \n\nPlease treat this letter as a formal dispute under the Fair Credit Reporting Act. I expect your response within the legally mandated time frame. \n\nThank you for your prompt attention to this matter. I look forward to your resolution of this issue. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-12T22:17:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33712","tags":"Servicemember","has_narrative":true,"complaint_id":"12062408","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-12T22:16:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Reporting this derogatory remark is not only inaccurate but constitutes <em>deceptive</em> and unfair <em>practices</em>. \n<em>XXXX</em>. <em>Deceptive</em> <em>Practices</em> by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  and <em>XXXX</em> <em>XXXX</em>  : <em>XXXX</em> <em>XXXX</em> falsely represents itself as the original creditor, when, in fact, the original creditor is <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. This misrepresentation demonstrates <em>deceptive</em> <em>practices</em> aimed at misleading <em>consumers</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.372759,"12062408"]},{"_index":"complaint-public-v1","_id":"12059741","_score":16.357874,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/year> To TransUnion Subject : Formal Complaint Regarding Inaccurate Derogatory Remarks on Credit Report I am writing to formally dispute two derogatory remarks reported by XXXX XXXX  on my credit report. These remarks pertain to a collection trade line that is inaccurate, misleading, and in violation of federal regulations. \n\nThe issues with this account are as follows : XXXX. Inaccuracy of Debt Status : The account in question pertains to a tradeline that was sold and subsequently satisfied. The original creditor, XXXX XXXX XXXX, issued a Form 1099-C to the IRS, effectively forgiving the debt and zeroing out the account balance. As per IRS guidelines, the issuance of a 1099-C ultimately showed beyond doubt that the creditor has canceled the debt, thus nullifying further collection efforts or reporting of outstanding balances. LVNV Fundings claim to the debt is baseless, as the obligation was already resolved. \nXXXX. Violation of 15 U.S.C. 1681c ( Fair Credit Reporting Act ) : The continued reporting of this adverse item violates 15 U.S.C. 1681c, which states that no adverse item of information shall remain on a credit report under these circumstances. Reporting this derogatory remark is not only inaccurate but constitutes deceptive and unfair practices. \nXXXX. Deceptive Practices by XXXX XXXX XXXX  and XXXX XXXX  : XXXX XXXX falsely represents itself as the original creditor, when, in fact, the original creditor is XXXX XXXX XXXX. This misrepresentation demonstrates deceptive practices aimed at misleading consumers. Furthermore, the actions of both parties amount to a coordinated effort to perpetuate a false narrative regarding the status of this debt, thereby violating my consumer rights. \n\nI am requesting the following : Immediate removal of the inaccurate trade-lines from my credit report. \nA thorough investigation into the deceptive practices of XXXX XXXX XXXX and XXXX XXXX. \nWritten confirmation of the resolution of this matter. \n\nI reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities if this issue is not resolved promptly. 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I look forward to your resolution of this issue. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-12T22:17:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33712","tags":"Servicemember","has_narrative":true,"complaint_id":"12059741","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-12T22:05:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Reporting this derogatory remark is not only inaccurate but constitutes <em>deceptive</em> and unfair <em>practices</em>. \n<em>XXXX</em>. <em>Deceptive</em> <em>Practices</em> by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  and <em>XXXX</em> <em>XXXX</em>  : <em>XXXX</em> <em>XXXX</em> falsely represents itself as the original creditor, when, in fact, the original creditor is <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. This misrepresentation demonstrates <em>deceptive</em> <em>practices</em> aimed at misleading <em>consumers</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.357874,"12059741"]},{"_index":"complaint-public-v1","_id":"12062407","_score":16.352434,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/year> To TransUnion Subject : Formal Complaint Regarding Inaccurate Derogatory Remarks on Credit Report I am writing to formally dispute two derogatory remarks reported by XXXX XXXX  on my credit report. These remarks pertain to a collection trade line that is inaccurate, misleading, and in violation of federal regulations. \n\nThe issues with this account are as follows : XXXX. Inaccuracy of Debt Status : The account in question pertains to a tradeline that was sold and subsequently satisfied. The original creditor, XXXX XXXX XXXX, issued a Form 1099-C to the IRS, effectively forgiving the debt and zeroing out the account balance. As per IRS guidelines, the issuance of a 1099-C ultimately showed beyond doubt that the creditor has canceled the debt, thus nullifying further collection efforts or reporting of outstanding balances. LVNV Fundings claim to the debt is baseless, as the obligation was already resolved. \nXXXX. Violation of 15 U.S.C. 1681c ( Fair Credit Reporting Act ) : The continued reporting of this adverse item violates 15 U.S.C. 1681c, which states that no adverse item of information shall remain on a credit report under these circumstances. Reporting this derogatory remark is not only inaccurate but constitutes deceptive and unfair practices. \nXXXX. Deceptive Practices by XXXX XXXX XXXX  and XXXX XXXX  : XXXX XXXX falsely represents itself as the original creditor, when, in fact, the original creditor is XXXX XXXX XXXX. This misrepresentation demonstrates deceptive practices aimed at misleading consumers. Furthermore, the actions of both parties amount to a coordinated effort to perpetuate a false narrative regarding the status of this debt, thereby violating my consumer rights. \n\nI am requesting the following : Immediate removal of the inaccurate trade-lines from my credit report. \nA thorough investigation into the deceptive practices of XXXX XXXX XXXX and XXXX XXXX. \nWritten confirmation of the resolution of this matter. \n\nI reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities if this issue is not resolved promptly. 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I look forward to your resolution of this issue. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-12T22:17:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33712","tags":"Servicemember","has_narrative":true,"complaint_id":"12062407","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-12T22:16:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Reporting this derogatory remark is not only inaccurate but constitutes <em>deceptive</em> and unfair <em>practices</em>. \n<em>XXXX</em>. <em>Deceptive</em> <em>Practices</em> by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  and <em>XXXX</em> <em>XXXX</em>  : <em>XXXX</em> <em>XXXX</em> falsely represents itself as the original creditor, when, in fact, the original creditor is <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. 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Additionally, Brigit charged hidden fees and made unauthorized recurring withdrawals, further disadvantaging consumers. [ ftc XXXX ] Major Consumer Laws Broken Federal Trade Commission Act ( FTC Act ) : Brigit engaged in deceptive acts and unfair practices regarding cash advance amounts, speed of delivery, misrepresentation of subscription benefits, and unauthorized billing. [ consumerfinancemonitor XXXX ] Restore Online Shoppers Confidence Act ( ROSCA ) : The company failed to provide clear disclosures about subscription terms, did not obtain informed consent for recurring charges, and made it difficult to cancel, violating requirements for negative option features online.","date_sent_to_company":"2025-12-09T14:08:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60643","tags":null,"has_narrative":true,"complaint_id":"17870657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridge IT, Inc.","date_received":"2025-11-18T18:02:37.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Additionally, Brigit charged hidden fees and made unauthorized recurring withdrawals, further disadvantaging <em>consumers</em>. [ ftc <em>XXXX</em> ] Major <em>Consumer</em> Laws Broken Federal <em>Trade</em> Commission Act ( FTC Act ) : Brigit engaged in <em>deceptive</em> acts and unfair <em>practices</em> regarding cash advance amounts, speed of delivery, misrepresentation of subscription benefits, and unauthorized billing. [ consumerfinancemonitor <em>XXXX</em> ] Restore Online Shoppers Confidence Act ( ROSCA ) : The company failed to provide clear disclosures"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[16.340515,"17870657"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6446,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6446}]}},"product":{"doc_count":6446,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":3813,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3777},{"key":"Other personal consumer report","doc_count":36}]}},{"key":"Debt collection","doc_count":998,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not 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