{"took":161,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":13580,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8024935","_score":13.575756,"_source":{"product":"Credit card","complaint_what_happened":"Contacted credit card immediately after realizing there was multiple charges made on my card that I did not recognize. Spoke to them multiple times explaining the situation. Gave them documents backing up my explanation. They have approved for out of the 12 charges to be disputed but denied the other eight. Called back immediately explaining that I spoke to the company directly. Company was unwilling to refund me even after recognizing what went wrong on their end. Called back the credit card explaining my interaction with the company regarding the charges. Was then told to go back to the company and basically beg for them to refund. I have now acquired more documentation supporting my dispute with no resolution.","date_sent_to_company":"2023-12-20T04:41:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"128XX","tags":null,"has_narrative":true,"complaint_id":"8024935","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-12-20T04:24:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Spoke to <em>them</em> multiple times <em>explaining</em> the situation. Gave <em>them</em> documents backing up my explanation. They have approved for out of the 12 charges to be <em>disputed</em> but denied the other eight. <em>Called</em> back immediately <em>explaining</em> that I spoke to the company directly. Company was unwilling to refund me even after recognizing what went wrong on their end. <em>Called</em> back the credit card <em>explaining</em> my interaction with the company regarding the charges."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.575756,"8024935"]},{"_index":"complaint-public-v1","_id":"3409412","_score":13.242498,"_source":{"product":"Checking or savings account","complaint_what_happened":"I attempted to file a dispute online with my bank, Bank of America, but I was instructed to contact a CSR. I called the CSR and explained why I was submitting the dispute and explained that I tried to rectify the issue prior to disputing the charge. The CSR said that Bank of America was concerned with the number of disputes that I have submitted and that they would penalize me by closing my account and not allowing me to open another one if I dispute anything else. I explained to him that this was unfair since I try to resolve disputes prior to contacting them or even getting them involved. Additionally, I explained that it was unfair that I was going to experience a punitive action because I chose to use a service availed to me by them. Additionally, there is nothing stated that a person could lose access to their account and be permanently barred from additional accounts if one decided to use a service that is not only availed to them, but a service that CSR 's encourage you to use.","date_sent_to_company":"2019-10-17T21:37:32.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85013","tags":null,"has_narrative":true,"complaint_id":"3409412","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-10-17T21:23:41.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I <em>explained</em> to him that this was unfair since I try to resolve <em>disputes</em> prior to contacting <em>them</em> or even getting <em>them</em> involved. Additionally, I <em>explained</em> that it was unfair that I was going to experience a punitive action because I chose to use a service availed to me by <em>them</em>."]},"sort":[13.242498,"3409412"]},{"_index":"complaint-public-v1","_id":"4479164","_score":13.222913,"_source":{"product":"Debt collection","complaint_what_happened":"First phone call was XX/XX/XXXX at XXXX. I explained to the collector that the debt had been removed from my credit through disputes filed in XX/XX/XXXX which they failed to respond to. The collector confirmed this information and said I would be placed on their do not call list. He apologized and said their system is slow to update. \nSecond phone call was XX/XX/XXXX at XXXX. I explained to the collector whos last name was XXXX that the debt was removed after disputing it. I explained to him that I was already not to be contacted anymore about the matter. He told me the debt still exists on HIS records. I asked to speak to a manager who was busy and told them to not call me again or it will be harassment. He said I was placed on the do not call list again but I dont believe them. \n\nThe company is rent debt automated collections. We have no contract and they are trying to get me to pay a debt that does not exist.","date_sent_to_company":"2021-06-21T20:43:46.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"76131","tags":null,"has_narrative":true,"complaint_id":"4479164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RentDebt Automated Collections, LLC","date_received":"2021-06-21T20:17:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["First phone <em>call</em> was XX/XX/XXXX at XXXX. I <em>explained</em> to the collector that the debt had been removed from my credit through <em>disputes</em> filed in XX/XX/XXXX which they failed to respond to. The collector confirmed this information and said I would be placed on their do not <em>call</em> list. He apologized and said their system is slow to update. \nSecond phone <em>call</em> was XX/XX/XXXX at XXXX. I <em>explained</em> to the collector whos last name was XXXX that the debt was removed after <em>disputing</em> it."]},"sort":[13.222913,"4479164"]},{"_index":"complaint-public-v1","_id":"3177451","_score":13.131412,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I called XXXX  fraud department and was transferred to ( The Special Handling Department ) I was transferred to XXXX from the special handling department I informed him that I had found additional accounts that where in result of ID Theft and I needed to file a dispute they asked if I had a police report or ID theft affidavit to fax it to them so I faxed them all the documents I had ( POLICE REPORT, FTC AFFIDAVIT MY LICENSE MY PASSPORT MY LETTER EXPLAINING THE DISPUTE AND ITEMS PROOF OF MY ADDRESS ) .. On XX/XX/XXXX I called to get an update I was told I needed to wait the 30 days I asked if my fax had been received the said yes to call back in a few days so on XX/XX/XXXX I called again and relaxed the same documents adding to my dispute letter that I would like the fraud items BlOCKED from my file I faxed documents to them a few times thru an efax I will upload the report on XX/XX/XXXX and XX/XX/XXXX I called to ask why hadn't they blocked the fraud accounts they said I had to wait so I called FTC again and the explained to me that transunion by law had 4 business days to block the information so I called them back on the XX/XX/XXXX and asked them to please reconfirm that my faxes had been received and they verified that all of my faxes where received. On XX/XX/XXXX I called and they said that I had to wait the they did not have a response from the creditor. I called XXXX on XX/XX/XXXX and submitted my complaint with them regarding the situation with transunion I explained to them what was going on that XXXX had verified the accounts where Fraud with the creditors and at this point I have over 70PLUS inquires on my file plus the accounts that where fraud. XXXX reference number is XXXX they also explained that they where sending XXXX the same dispute and all the information I sent them. On XX/XX/XXXX I called XXXX back to confirm they sent the dispute to XX/XX/XXXX and they verified it was sent .. \n\nOn XX/XX/XXXX I called I called XXXX special handling department and asked what was going on with my dispute after the rep explained to me that nothing was resolved I asked to speak to the supervisor I was transfer to a XXXX she informed me that she was the supervisor for the special handling department and that she did not find any dispute from me I tried explain to her that I had faxed it over many many times and I was able to give her the fax confirmation number she refused to look for it then she put me on hold after holding for 23 minutes she comes back on the line and tells me that she did find a fax from me but the accounts in question where not listed neither where the inquires but yes she had received the fax the entire dispute letter was only 1 page so I was confuesed then I asked her if she had received the dispute from XXXX about the accounts and inquires and ID THEFT she then became very mustarded it seemed and began question me about why didn't I submit a dispute in XX/XX/XXXX that I waited until XX/XX/XXXX to file the dispute that she count take it very serious because I wanted over a month to file a dispute that I was going to have to refile a new dispute.","date_sent_to_company":"2019-03-12T17:10:40.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33193","tags":null,"has_narrative":true,"complaint_id":"3177451","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-03-12T17:10:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX reference number is XXXX they also <em>explained</em> that they where sending XXXX the same <em>dispute</em> and all the information I sent <em>them</em>. On XX/XX/XXXX I <em>called</em> XXXX back to confirm they sent the <em>dispute</em> to XX/XX/XXXX and they verified it was sent .."]},"sort":[13.131412,"3177451"]},{"_index":"complaint-public-v1","_id":"3137946","_score":13.001505,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Closed my accounts with HSBC in XX/XX/XXXX or XX/XX/XXXX Received notice that there was a charge on my credit card in XX/XX/XXXX. Disputed and explained that these accounts were closed. Was told they would close my account Got a credit card statement again from them Called again and explained that accounts were closed. \nHSBC opened up a NEW credit card for me without my authorization Called again and was notified that they closed my account. Received a letter stating the same. \nReceived yet another credit card statement from them in XX/XX/XXXX. \nCalled again to have them close the account.","date_sent_to_company":"2019-01-30T15:21:44.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"10003","tags":null,"has_narrative":true,"complaint_id":"3137946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2019-01-30T15:12:10.000Z","state":"NY","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["<em>Disputed</em> and <em>explained</em> that these accounts were closed. Was told they would close my account Got a credit card statement again from <em>them</em> <em>Called</em> again and <em>explained</em> that accounts were closed. \nHSBC opened up a NEW credit card for me without my authorization <em>Called</em> again and was notified that they closed my account. Received a letter stating the same. \nReceived yet another credit card statement from <em>them</em> in XX/XX/XXXX. \n<em>Called</em> again to have <em>them</em> close the account."]},"sort":[13.001505,"3137946"]},{"_index":"complaint-public-v1","_id":"12771266","_score":12.979752,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Cash app supplied the denial documents for the dispute I'm asking for cash app to explain them and i can't get an answer. You called customer service they will tell you we have to escalated the issue to a speciality team and they only answer via email. Cash app answers by email but if you email them back you won't hear back from them. Cash app hides behind the computer screen the reason they can't explain the denial documents is because they don't have a valid reason to denied the claim just put something on paper. I receive the letter and a list of transcation compare with the dispute well that's odd because the ones on this list are dispute transcations as well so I'm not sure how they compare dispute transcations that are in the dispute but no one can explain to me.","date_sent_to_company":"2025-04-02T16:59:18.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"239XX","tags":null,"has_narrative":true,"complaint_id":"12771266","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-04-02T16:50:16.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Cash app supplied the denial documents for the <em>dispute</em> I'm asking for cash app to <em>explain</em> <em>them</em> and i can't get an answer. You <em>called</em> customer service they will tell you we have to escalated the issue to a speciality team and they only answer via email. Cash app answers by email but if you email <em>them</em> back you won't hear back from <em>them</em>."]},"sort":[12.979752,"12771266"]},{"_index":"complaint-public-v1","_id":"8018738","_score":12.966848,"_source":{"product":"Checking or savings account","complaint_what_happened":"I attempted to withdrawl {$110.00} from my Chase checking account at the Chase ATM on XX/XX/, Funds were not dispensed and i was given a receipt with a message that said \" We aren't able to give cash right now. '' The funds were immediately taken from my account. I decided to go into the chase branch and explain the situation. they told me to call customer service. I called them within 20 minutes and they explained I would be given a temporary credit pending investigation within a few hours. after a few hours I called back and was told it takes 24 hours. i called back daily and eventually was credited on the XXXX XXXX XXXX XXXX the temproary credit was taken back and chase had closed the investigation claiming I authorized the transaction. I called back and explained I never disputed authortizing it. I disputed receieving the funds. they told me i'd have to go into a chase branch and have them fax a copy of the receipt the machine dispensed. I went ahead and did that on the XXXX. I called back and they said the case would be re-opened within 48 hours. It's now XX/XX/XXXX. I called to see why the case has not been re-opened. they explained to me it wouldn't be re-opened because it was already closed and if I had submitted evidence it would be reviewed within 24 hours. I explained it had been over 24 hours and they said I should receieve an alert tomorrow. \n\nI don't trust them anymore. I'm very disgruntled and i'm behind on bills because of it.","date_sent_to_company":"2023-12-19T06:14:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95212","tags":null,"has_narrative":true,"complaint_id":"8018738","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-12-19T06:04:47.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I <em>called</em> back and <em>explained</em> I never <em>disputed</em> authortizing it. I <em>disputed</em> receieving the funds. they told me i'd have to go into a chase branch and have <em>them</em> fax a copy of the receipt the machine dispensed. I went ahead and did that on the XXXX. I <em>called</em> back and they said the case would be re-opened within 48 hours. It's now XX/XX/XXXX."]},"sort":[12.966848,"8018738"]},{"_index":"complaint-public-v1","_id":"7598888","_score":12.960109,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I received an notification of a debt collection on my credit report. I contacted tmobile to dispute it. The debt collection is from DIVERSIFIED ADJUSTMENT INC out of Minnesota. XXXX billing services explained to me that the info is incorrect and that I do not owe them anything. XXXX asked me to call the collection agency and asked them to call tmobile billing asap so they could explain to the collection agency that I do not owe anything and have them remove it from my credit report. I spoke with 3 reps at the collection agency DIVERSIFIED Adjustment inc and each time the rep would not do what I asked and then transferred my call to an extension that was not available and the call ended.","date_sent_to_company":"2023-09-25T15:00:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60107","tags":null,"has_narrative":true,"complaint_id":"7598888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Diversified Adjustment Service, Inc.","date_received":"2023-09-25T14:50:57.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I contacted tmobile to <em>dispute</em> it. The debt collection is from DIVERSIFIED ADJUSTMENT INC out of Minnesota. XXXX billing services <em>explained</em> to me that the info is incorrect and that I do not owe <em>them</em> anything. XXXX asked me to <em>call</em> the collection agency and asked <em>them</em> to <em>call</em> tmobile billing asap so they could <em>explain</em> to the collection agency that I do not owe anything and have <em>them</em> remove it from my credit report."]},"sort":[12.960109,"7598888"]},{"_index":"complaint-public-v1","_id":"5536369","_score":12.916279,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I called Experian to have them take all accounts in dispute out if dispute on XXXX, XXXX XXXX. They told me there was no dispute. There was on my credit report. I called twice on XXXX XXXX XXXX and the person I spoke with OPENED THREE DISPUTES without my permission. Doing the exact opposite of what I asked. I am in the process of buying a house and my mortgage will not go through if anything is in dispute. I explained this to TWO people. I called them to ask how they could file a dispute when that was the exact opposite of what I told them to do. I was told the dispute center was closed, and to call back the following day.","date_sent_to_company":"2022-05-04T01:13:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93312","tags":null,"has_narrative":true,"complaint_id":"5536369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-05-04T01:06:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I <em>called</em> <em>them</em> to ask how they could file a <em>dispute</em> when that was the exact opposite of what I told <em>them</em> to do. I was told the <em>dispute</em> center was closed, and to <em>call</em> back the following day."]},"sort":[12.916279,"5536369"]},{"_index":"complaint-public-v1","_id":"11976394","_score":12.874093,"_source":{"product":"Checking or savings account","complaint_what_happened":"I used this betting app called XXXX sports won over XXXX dollars wasnt using the app I work every XXXX days of the week ( mon- fri ) I gave my phone to my niece wanted to be a cool nice uncle let her use my phone since she doing well in school, Im thinking shes on XXXX XXXX XXXX playing XXXX XXXX but whole time she was spending my money on my account I first noticed it my money was gone XX/XX/XXXX instantly reached out to my bank Chime on the XX/XX/XXXX explaining to them in tears that my niece made unauthorized payments on my account I wouldnt do that, I wasnt notified from chime didnt get alerts chime told me to contact merchant and explain what happened I did as told reached out to the merchant explained whats going on told to merchant told me via email Thank you for contacting XXXX XXXX XXXX XXXXXXXX XXXX and I hope this email finds you well and safe! \n\nTo further assist you, please provide us the purchases details made and the age of your niece. Apologies I called back chime told them what was being said they made effort to start my dispute then the next day ended my dispute I called back again I asked to speak to a supervisor in there department they put me on the phone with XXXX she told me why you guys stopped the dispute said lack of evidence would need to file a police report I explained to her that my niece is XXXX XXXX and made the purchases Im post to make the report on her then said I see here what you can do is speak back to merchant let them know whats going on I said I did let them know whats going on she proceeded to say ( XXXX supervisor from chime ) call merchant while on the phone with her I explained that I cant have two customers service on the phone at once then says again well contract merchant let them know once there notify give us a called back did as told once again reached XXXX didnt mind called back chime gave my dispute file number said they closed my dispute lack of evidence during investigation I explained thats not what XXXX told me and shes you guys supervisor they told me write out and email whats going on I said Im not written it out when Ive been called explaining for days whats going on I asked to speak to another supervisor in the dispute department his name was XXXX was more helpful he told me he gon na email me keep me updated with the dispute if I have email showing proof that I tried reaching out upload it then I proceeded to do it then my dispute opened back up then they closed it back after 5 days after this been going on from XX/XX/XXXX till now","date_sent_to_company":"2025-02-06T15:18:35.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11413","tags":null,"has_narrative":true,"complaint_id":"11976394","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-02-06T14:26:42.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["let <em>them</em> know whats going on I said I did let <em>them</em> know whats going on she proceeded to say ( XXXX supervisor from chime ) <em>call</em> merchant while on the phone with her I <em>explained</em> that I cant have two customers service on the phone at once then says again well contract merchant let <em>them</em> know once there notify give us a <em>called</em> back did as told once again reached XXXX didnt mind <em>called</em> back chime gave my <em>dispute</em> file number said they closed my <em>dispute</em> lack of evidence during investigation I <em>explained</em>"]},"sort":[12.874093,"11976394"]},{"_index":"complaint-public-v1","_id":"9119463","_score":12.816842,"_source":{"product":"Credit card","complaint_what_happened":"In XXXX of XXXX, XXXX XXXX began building a porch on our house. We tried paying him the final payment. We used our Barclays card. We tried using it but it kept declining the transaction. We had 5 temporary charges for XXXX and one charge for XXXX. I called Barclays and explained the situation. 4 of the charges were taken off as well as the XXXX but one charge of XXXX still remained. At this point, I could not reach XXXX XXXX and continued trying to locate him for 6 months. I assumed he had scammed us, and I was trying to seek fraud, or criminal charges ( I later discovered that he was sick and in the hospital. ) I filed a dispute at this time with Barclays in XXXX of XXXX. During this time, I provided Barclays with all the proof that the {$5000.00} was not owed to him. ( Cashiers check, Contract, There was also a charge filed against him through the Attorney General of Ohio so I submitted them the info as well ). \n\nSkip ahead to the Spring of XXXX, I finally was able to contact XXXX XXXX. He explained his situation about being sick, having major XXXX XXXX, and recovery. I explained to him my predicament with my credit card. He explained that he was called by Barclays while in the hospital in the Summer/Fall of XXXX. He told Barclays that we did not owe him the XXXX or the XXXX. I called XXXX and explained to them the situation. We had 3 3-person calls with XXXX where XXXX explained as did I, that XXXX was taken out of his account while the charge was in dispute with XXXX but XXXX the dispute was closed the charge was put back on my card. The charge is still on my account and when I called today, I was told that the case will never be opened again. \n\nIm out XXXX. I know Barclays can throw around money and XXXX is nothing to them. However, it is a lot of money for me. Ive spent countless hours on this dispute, taking days off of work to focus on this since the wait to be helped at Barclays is always long. The stress this has caused is beyond what should be experienced for anyone. Please help.","date_sent_to_company":"2024-05-28T13:22:49.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"43230","tags":null,"has_narrative":true,"complaint_id":"9119463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2024-05-28T12:44:04.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["He <em>explained</em> that he was <em>called</em> by Barclays while in the hospital in the Summer/Fall of XXXX. He told Barclays that we did not owe him the XXXX or the XXXX. I <em>called</em> XXXX and <em>explained</em> to <em>them</em> the situation. We had 3 3-person <em>calls</em> with XXXX where XXXX <em>explained</em> as did I, that XXXX was taken out of his account while the charge was in <em>dispute</em> with XXXX but XXXX the <em>dispute</em> was closed the charge was put back on my card."]},"sort":[12.816842,"9119463"]},{"_index":"complaint-public-v1","_id":"1968877","_score":12.783913,"_source":{"product":"Credit reporting","complaint_what_happened":"I have a few not authorized or fraudulent inquiries on my EQUIFAX credit report. I have tried on many occasions to have the inquiries investigated and removed online and in less than 30 minutes get the response from Equifax that they have investigated the fraudulent and or not authorized inquiries and that they will remain because they are true record. I happen to call EQUIFAX on XXXX XXXX, 2016 and explained my situation to a Customer Service Rep ( CSR ) Named XXXX. She claimed that EQUIFAX do not dispute inquiries at all and that I should call the bank that placed the inquiry to have them remove it. I explained to XXXX that I had already called the bank and that they no longer had the account application and that I needed to file a dispute with EQUIFAX. XXXX CSR then called a supervisor named XXXX to try to help. After explaining the situation to the supervisor she said she could n't help me in disputing the inquiries because EQUIFAX new policy is to not dispute inquiries. So i explained to XXXX how does EQUIFAX protect the consumer from fraudulent inquiries. She then stated that I can put a Fraud alert on my file, but in my case how did she know that I am just calling in to try to remove inquiries I had placed on my own file as being fraudulent, implying that I was applying for credit and then calling EQUIFAX to have them disputed. At that point i decided to end the call and file a complaint with CFPB for further assistance. Attached is a pdf of most recent credit report from all XXXX credit bureaus showing the inquiries listed. The ones circled in red are the inquiries I am disputing as being fraudulent and not authorized.","date_sent_to_company":"2016-06-14T16:41:48.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"90016","tags":null,"has_narrative":true,"complaint_id":"1968877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-06-14T16:41:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with statement of dispute"},"highlight":{"complaint_what_happened":["I happen to <em>call</em> EQUIFAX on XXXX XXXX, 2016 and <em>explained</em> my situation to a Customer Service Rep ( CSR ) Named XXXX. She claimed that EQUIFAX do not <em>dispute</em> inquiries at all and that I should <em>call</em> the bank that placed the inquiry to have <em>them</em> remove it. I <em>explained</em> to XXXX that I had already <em>called</em> the bank and that they no longer had the account application and that I needed to file a <em>dispute</em> with EQUIFAX. XXXX CSR then <em>called</em> a supervisor named XXXX to try to help."],"sub_issue":["Problem with statement of <em>dispute</em>"]},"sort":[12.783913,"1968877"]},{"_index":"complaint-public-v1","_id":"3129814","_score":12.761276,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have disputed the charge {$250.00} ( XXXX XXXX ) on XX/XX/2018. \nThe amount {$250.00} had been credited on my account when I called Capital One customer services. \nIt is a temporary credit while they were investigating my dispute charge. \n\nI have received a letter from Capital One and needed to send it to them with the documentation which shows the amount {$250.00} needs to be returned. I did send it to them without documentation. \n\nI had explained to them ( Capital One ) I don't have any documentation from XXXX. My ex-husband had spoken with their customer services. As per they said, the remaining balance which will be approximately {$250.00} will be credited on my account in 7-10 days after making the payment. The credit was not refunded from XXXX XXXX so I had called to Capital One to dispute this charge and explained to them all what I have. \n\nHowever, Capital One didn't do their job for their customer instead of resolving the issue. The temporary credit {$250.00} has been charge from Capital One. The reason they took {$250.00} was I didn't submit the document what tation they need. \n\nHowever, I have already explained to them but they have denied and rejected to resolve the issue what I have. \n\nIf I have all documentation from XXXX, I wouldn't even call them to help and dispute the charge. I am not satisfied their services and whatever they have done was not properly for their customer.","date_sent_to_company":"2019-01-21T19:30:37.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"22314","tags":null,"has_narrative":true,"complaint_id":"3129814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-01-21T19:09:16.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["However, I have already <em>explained</em> to <em>them</em> but they have denied and rejected to resolve the issue what I have. \n\nIf I have all documentation from XXXX, I wouldn't even <em>call</em> <em>them</em> to help and <em>dispute</em> the charge. I am not satisfied their services and whatever they have done was not properly for their customer."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.761276,"3129814"]},{"_index":"complaint-public-v1","_id":"2897627","_score":12.758057,"_source":{"product":"Debt collection","complaint_what_happened":"I have explained to Diversified that this debt was no longer owed because we could not turn in equipment because of natural disaster in XX/XX/2016 and all of our belongings were lost. I also explained to them that the services that were charged for 2 months after I cancelled the service the day after the flood occurred. I told them to get in touch with XXXX  and resolve this matter with them. I also requested that they do not call me any more and to discuss the matter with XXXX. I just want the harrassing calls to stop and they continue to call and be rude and hang up when you tell them the reasons and tell you that they are collecting a debt and they want their money. They use bullying tactics and threaten you to report to credit. I have disputed this matter several times with these people and get no where with them.","date_sent_to_company":"2018-05-05T14:51:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"70816","tags":null,"has_narrative":true,"complaint_id":"2897627","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Diversified Consultants, Inc.","date_received":"2018-05-05T14:36:06.000Z","state":"LA","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["I just want the harrassing <em>calls</em> to stop and they continue to <em>call</em> and be rude and hang up when you tell <em>them</em> the reasons and tell you that they are collecting a debt and they want their money. They use bullying tactics and threaten you to report to credit. I have <em>disputed</em> this matter several times with these people and get no where with <em>them</em>."]},"sort":[12.758057,"2897627"]},{"_index":"complaint-public-v1","_id":"6676395","_score":12.7384815,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I spoke with a representative and explained to them that I have 2 unauthorized inquiries I'm unaware of and I never applied for credit from this company. They told me to call the company and dispute it. I told them why would I call a company I'm unaware of and give them my information. So the representative told me to call the FTC and file a report.","date_sent_to_company":"2023-03-10T20:09:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"14224","tags":null,"has_narrative":true,"complaint_id":"6676395","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-10T19:59:18.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I spoke with a representative and <em>explained</em> to <em>them</em> that I have 2 unauthorized inquiries I'm unaware of and I never applied for credit from this company. They told me to <em>call</em> the company and <em>dispute</em> it. I told <em>them</em> why would I <em>call</em> a company I'm unaware of and give <em>them</em> my information. So the representative told me to <em>call</em> the FTC and file a report."]},"sort":[12.7384815,"6676395"]},{"_index":"complaint-public-v1","_id":"1457786","_score":12.729447,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing this collection and explained that to XXXX different callers from this company. I asked them to not call again. Now they call at least XXXX times a day and then hang up. The last phone call they called, someone breathed heavily on the line, and then they hung up.","date_sent_to_company":"2015-07-08T20:17:08.000Z","issue":"Communication tactics","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"30188","tags":null,"has_narrative":true,"complaint_id":"1457786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Receivables Performance Management, LLC","date_received":"2015-07-08T20:17:07.000Z","state":"GA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["I am <em>disputing</em> this collection and <em>explained</em> that to XXXX different callers from this company. I asked <em>them</em> to not <em>call</em> again. Now they <em>call</em> at least XXXX times a day and then hang up. The last phone <em>call</em> they <em>called</em>, someone breathed heavily on the line, and then they hung up."]},"sort":[12.729447,"1457786"]},{"_index":"complaint-public-v1","_id":"1911180","_score":12.6651535,"_source":{"product":"Debt collection","complaint_what_happened":"i was called on XXXX/XXXX/16 on my cell phone i returned the call to XXXX and they stated that i had a medical bill from XX/XX/XXXX, i tried to explain that i havent been to this place and XXXX insisted that i was the patient and they would not provide me with validation of the debt because the 1st collection notice was already sent and i must dispute and request this in writing. they called me again on XXXX/XXXX/16 i tried to explain that i have not received the validation of this account still as i did n't have a debt with them. they said they dont have to send me this and threated credit reporting my call was transfered to XXXX XXXX the manager and he said they wo n't send me anything unless i put it in writing the dispute. I 've tried to explain several times that i was n't the patient and had no idea","date_sent_to_company":"2016-05-09T20:11:22.000Z","issue":"Disclosure verification of debt","sub_product":"Medical","zip_code":"766XX","tags":null,"has_narrative":true,"complaint_id":"1911180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Receivables Management Partners, LLC","date_received":"2016-05-05T16:28:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["as i did n't have a debt with <em>them</em>. they said they dont have to send me this and threated credit reporting my <em>call</em> was transfered to XXXX XXXX the manager and he said they wo n't send me anything unless i put it in writing the <em>dispute</em>."]},"sort":[12.6651535,"1911180"]},{"_index":"complaint-public-v1","_id":"7636235","_score":12.65509,"_source":{"product":"Debt collection","complaint_what_happened":"I called the company multiple times to explain to them that the debt is not mines. They said they will investigate and call me back. They never did. I had to call back. They refused to give me information about what was purchased or the debt itself. Ive been disputing the debt online and still no results. I have been trying to dispute this for years.","date_sent_to_company":"2023-10-03T18:53:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"01104","tags":null,"has_narrative":true,"complaint_id":"7636235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2023-10-03T07:15:55.000Z","state":"MA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I <em>called</em> the company multiple times to <em>explain</em> to <em>them</em> that the debt is not mines. They said they will investigate and <em>call</em> me back. They never did. I had to <em>call</em> back. They refused to give me information about what was purchased or the debt itself. Ive been <em>disputing</em> the debt online and still no results. I have been trying to <em>dispute</em> this for years."]},"sort":[12.65509,"7636235"]},{"_index":"complaint-public-v1","_id":"9353006","_score":12.633316,"_source":{"product":"Debt collection","complaint_what_happened":"IQ Data contacted me on XX/XX/XXXX @ XXXXXXXX XXXX. I missed the call, but made a return call at XXXX XXXX. This call lasted 3 mins and 22 seconds. During this phone call the agent was incredible rude and attempted to goad me into hanging up on her when I explained I believed there had been a miscommunication. The agent then rudely ended the phone call. I called back to speak to a supervisor where I explained I would like to file a complaint about the manner in which I was spoken to and the supervisor also got attitude and began demanding payment. I explained to the supervisor I had not received a statement of the debt owed, only receiving an explanation of how to dispute the debt. I offered to arrange a short-term payment plan, and this was denied with the agent informing me that the co debtor and I needed to get a loan to pay this debt. I explained this was not an option as we are in the middle of a divorce and at that point the agent begrudgingly accepted a small payment from me but refused to arrange any additional payments. I explained to her this was something I could have completely taken care of within 2 months if they would work with me and she refused, stating this debt was five months past due. I again explained that I had not received a bill or a statement from them but I got nowhere and the call was ended. This company attempted to call me again on XX/XX/year>, 5 days after I had a phone conversation with them, and to my understanding this directly violates the 7 days of not contacting a debtor after a phone conversation has been had.","date_sent_to_company":"2024-06-26T15:37:26.000Z","issue":"Communication tactics","sub_product":"Rental debt","zip_code":"47203","tags":null,"has_narrative":true,"complaint_id":"9353006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2024-06-26T15:16:17.000Z","state":"IN","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["I missed the <em>call</em>, but made a return <em>call</em> at XXXX XXXX. This <em>call</em> lasted 3 mins and 22 seconds. During this phone <em>call</em> the agent was incredible rude and attempted to goad me into hanging up on her when I <em>explained</em> I believed there had been a miscommunication. The agent then rudely ended the phone <em>call</em>."]},"sort":[12.633316,"9353006"]},{"_index":"complaint-public-v1","_id":"8632837","_score":12.622156,"_source":{"product":"Checking or savings account","complaint_what_happened":"Initially disputed transactions that were unauthorized after reviewing statements with Huntington Bank the beginning of XX/XX/year>. The agent I spoke with advised me that a new card was sent ( received ) and a dispute would be opened to investigate the transactions that were not authorized. Fast forward to XX/XX/year>. I received a text message from Huntington requesting that I call. An agent requested my full social security number right away which seemed odd and I disconnected the call as I was not comfortable providing my full SSN. I called back the regular number for the bank and spoke with an agent, and let them know of my concerns. The agent stated that I need to speak with COLLECTIONS?? The agent transferred me to the team, who notified me that I had an outstanding balance as the disputes transactions that were credited were reversed. I explained to the agent that I received ZERO communication of the dispute outcome AT ALL ( no letter, email, call, etc. ). I also explained to the agent that I was unable to access the mobile app. The agent re-disputed the transactions in question on Friday. Fast forward again to Monday, XX/XX/year>. Received an email from Huntington requesting that I call ( We are trying to reach you about your account ending in XXXX. Please call us at ( XXXX ) XXXX as soon as possible. ) I called as requested and an agent stated they were reaching out about an over drafted account. I explained to the agent that the balance in question was in dispute and it was disputed again on Friday. Again, I also explained that I received no communication about the disputes and inquired how Huntington placed disputed charges into collections. The agent explained that there were no notes on my account. The agent stated they would be contacting me in either XXXX or XXXX weeks and if I didn't hear anything about the dispute that I could also reach out. I also explained to all agents that I had no access to their mobile app and was finally explained today ( XX/XX/XXXX ) that there was a known issue and I would need to do a password reset on their regular website to access the mobile app. How was Huntington able to place DISPUTED charges into collections, without notifying me of their investigation?","date_sent_to_company":"2024-03-26T17:44:05.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"610XX","tags":null,"has_narrative":true,"complaint_id":"8632837","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2024-03-26T17:24:12.000Z","state":"IL","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Please <em>call</em> us at ( XXXX ) XXXX as soon as possible. ) I <em>called</em> as requested and an agent stated they were reaching out about an over drafted account. I <em>explained</em> to the agent that the balance in question was in <em>dispute</em> and it was <em>disputed</em> again on Friday. Again, I also <em>explained</em> that I received no communication about the <em>disputes</em> and inquired how Huntington placed <em>disputed</em> charges into collections. The agent <em>explained</em> that there were no notes on my account."]},"sort":[12.622156,"8632837"]},{"_index":"complaint-public-v1","_id":"8331357","_score":12.602715,"_source":{"product":"Debt collection","complaint_what_happened":"Today XX/XX/2024 I received a call from Medicredit Inc. While in conversation with the Representative, I explained to her that I had already disputed this debt with the original debtor, in writing three Months in a row, XXXX, XXXX and XXXX, with a written response requested. She ignored the Information I provided and when I asked for a written response from them she flat our refused to send it. I again explained that the Original debt had been disputed and in writing and her response was that was with them the debt is now with Medicredit and I could dispute it with them. Repeatedly refusing to acknowledge that I had already disputed the debt with no response, essentially nullifying the debt. Her response I have noted everything you said, yet refused to provide the written response I requested. She stated that the debt wa swith us and as I requested to no longer receive phone calls, that because the debt was now with them they would continue to collect the Debt, which has already been made invalid by the Original debtor for failure to respond to my repeated written dispute.","date_sent_to_company":"2024-02-12T23:14:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"75038","tags":null,"has_narrative":true,"complaint_id":"8331357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Outsource Group, Inc","date_received":"2024-02-12T22:53:45.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I again <em>explained</em> that the Original debt had been <em>disputed</em> and in writing and her response was that was with <em>them</em> the debt is now with Medicredit and I could <em>dispute</em> it with <em>them</em>. Repeatedly refusing to acknowledge that I had already <em>disputed</em> the debt with no response, essentially nullifying the debt. Her response I have noted everything you said, yet refused to provide the written response I requested."]},"sort":[12.602715,"8331357"]},{"_index":"complaint-public-v1","_id":"2693162","_score":12.597031,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, I pulled a copy of my credit report after the Equifax data breach and noticed inquiries on my account that I did not authorize. I called Equifax, XXXX, and XXXX and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.","date_sent_to_company":"2017-10-05T04:46:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"18045","tags":null,"has_narrative":true,"complaint_id":"2693162","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-10-05T00:19:38.000Z","state":"PA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I <em>called</em> Equifax, XXXX, and XXXX and <em>explained</em> this to <em>them</em>. They insisted that I <em>call</em> each company listed and find out what happened. I <em>called</em> and they all have no record of me in their system with authorization of trying to open an account. I then asked <em>them</em> to <em>call</em> the cresit bureau and have <em>them</em> removed. They stated that because they did n't have me in their system, it would be better if I <em>called</em> and <em>explained</em> to the bureau 's what happened."]},"sort":[12.597031,"2693162"]},{"_index":"complaint-public-v1","_id":"2309961","_score":12.58805,"_source":{"product":"Credit reporting","complaint_what_happened":"I had a XXXX account and it was turned over for collections back in XX/XX/XXXX. I returned the equipment to them in XX/XX/XXXX due to finding them in storage because they were loaded on the moving truck with other stuff. XXXX turned me over to collection company called XXXX and I seen this on my credit report. I filed a dispute on this and explained to them that this had been resolved in XX/XX/XXXX. They removed this from by credit report in XX/XX/XXXX. The amount was {$1000.00}. On XX/XX/XXXX it reported back on my credit report again. I disputed it once again and now it is under a company called Enhanced Recovery Company. I called them and told them to remove this and she said no I cant do that you owe the debt. Explained to her that this was disputed in XX/XX/XXXX and once again XXXX has turned it over to another collection company after it being removed in XX/XX/XXXX because I did not owe the amount. They are falsely reporting account to a collection company and I would like something done about it. I called XXXX and they said they would have to look into the credit and they can not have the account pulled from this new collection company Enhanced Recovery Company. I want something done about this at once or I will be contacting an attorney and the FDCPA will be reviewed.","date_sent_to_company":"2017-01-31T14:21:37.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"420XX","tags":null,"has_narrative":true,"complaint_id":"2309961","timely":"Yes","company_response":"Closed","submitted_via":"Web","company":"ERC","date_received":"2017-01-25T20:31:53.000Z","state":"KY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reinserted previously deleted info"},"highlight":{"complaint_what_happened":["I <em>disputed</em> it once again and now it is under a company <em>called</em> Enhanced Recovery Company. I <em>called</em> <em>them</em> and told <em>them</em> to remove this and she said no I cant do that you owe the debt. <em>Explained</em> to her that this was <em>disputed</em> in XX/XX/XXXX and once again XXXX has turned it over to another collection company after it being removed in XX/XX/XXXX because I did not owe the amount. They are falsely reporting account to a collection company and I would like something done about it."]},"sort":[12.58805,"2309961"]},{"_index":"complaint-public-v1","_id":"2693169","_score":12.579241,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, I pulled a copy of my credit report after the XXXX data breach and noticed inquiries on my account that I did not authorize. I called XXXX, Transunion, and XXXX and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.","date_sent_to_company":"2017-10-05T04:46:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"18045","tags":null,"has_narrative":true,"complaint_id":"2693169","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-10-05T00:46:03.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I <em>called</em> XXXX, Transunion, and XXXX and <em>explained</em> this to <em>them</em>. They insisted that I <em>call</em> each company listed and find out what happened. I <em>called</em> and they all have no record of me in their system with authorization of trying to open an account. I then asked <em>them</em> to <em>call</em> the cresit bureau and have <em>them</em> removed. They stated that because they did n't have me in their system, it would be better if I <em>called</em> and <em>explained</em> to the bureau 's what happened."]},"sort":[12.579241,"2693169"]},{"_index":"complaint-public-v1","_id":"2693167","_score":12.579241,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I pulled a copy of my credit report after the XXXX data breach and noticed inquiries on my account that I did not authorize. I called XXXX, XXXX, and Experian and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.","date_sent_to_company":"2017-10-05T04:46:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"18045","tags":null,"has_narrative":true,"complaint_id":"2693167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-10-05T00:46:03.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I <em>called</em> XXXX, XXXX, and Experian and <em>explained</em> this to <em>them</em>. They insisted that I <em>call</em> each company listed and find out what happened. I <em>called</em> and they all have no record of me in their system with authorization of trying to open an account. I then asked <em>them</em> to <em>call</em> the cresit bureau and have <em>them</em> removed. They stated that because they did n't have me in their system, it would be better if I <em>called</em> and <em>explained</em> to the bureau 's what happened."]},"sort":[12.579241,"2693167"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":13580,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":13580}]}},"product":{"doc_count":13580,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":2650,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other debt","doc_count":819},{"key":"Credit card debt","doc_count":502},{"key":"Medical debt","doc_count":391},{"key":"I do not know","doc_count":281},{"key":"Other (i.e. phone, health club, etc.)","doc_count":157},{"key":"Rental debt","doc_count":137},{"key":"Telecommunications debt","doc_count":91},{"key":"Medical","doc_count":60},{"key":"Auto 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