{"took":336,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":42449,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9038856","_score":10.041328,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX CO HAVE A FRAUD COLLECTION ACCOUNT OPENED UNDER MY NAME THAT INACCURATE. \n\nTHIS FRAUD COLLECTION SHALL DELETE FROM MY CREDIT REPORT BY LAW. \n\nI AM NOT RESPONSIBLE FOR THIS INACCURATE FRAUD COLLECTION ACCOUNT FROM XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX WHICH HAVE A FRAUD BALANCE OF {$410.00} DELETE THIS INACCURATE FRAUD ACCOUNT FROM MY CREDIT REPORT.","date_sent_to_company":"2024-05-17T03:49:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"9038856","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-17T03:49:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX CO HAVE A <em>FRAUD</em> COLLECTION ACCOUNT OPENED UNDER MY NAME THAT <em>INACCURATE</em>. \n\nTHIS <em>FRAUD</em> COLLECTION SHALL DELETE FROM MY <em>CREDIT</em> <em>REPORT</em> BY LAW. \n\nI AM NOT RESPONSIBLE FOR THIS <em>INACCURATE</em> <em>FRAUD</em> COLLECTION ACCOUNT FROM XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX <em>WHICH</em> HAVE A <em>FRAUD</em> BALANCE OF {$410.00} DELETE THIS <em>INACCURATE</em> <em>FRAUD</em> ACCOUNT FROM MY <em>CREDIT</em> <em>REPORT</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.041328,"9038856"]},{"_index":"complaint-public-v1","_id":"3168275","_score":9.657617,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It's fraud the inaccurate 's on my XXXX, XXXX, XXXX Credit reports which are the hard and soft inquires they where done in fraud by my mentally XXXX adult son who XXXX hurts his reasoning and judgement he doesn't know that my name and my social security number is for my use only due to his mental XXXX hurting his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the fraud matter of my mentally XXXX adult son applying for loans and credit cards in fraud which lead to the inaccurate 's which are the hard and soft inquires","date_sent_to_company":"2019-03-04T06:42:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32244","tags":"Older American","has_narrative":true,"complaint_id":"3168275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-03-04T01:41:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["in <em>fraud</em> <em>which</em> lead to the <em>inaccurate</em> 's <em>which</em> are the hard and soft inquires"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[9.657617,"3168275"]},{"_index":"complaint-public-v1","_id":"3168276","_score":9.654034,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It's fraud the inaccurate 's on my XXXX, XXXX, XXXX Credit reports which are the hard and soft inquires they where done in fraud by my XXXX XXXX adult son who XXXX hurts his reasoning and judgement he doesn't know that my name and my social security number is for my use only due to his XXXX XXXX hurting his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the fraud matter of my XXXX XXXX adult son applying for loans and credit cards in fraud which lead to the inaccurate 's which are the hard and soft inquires","date_sent_to_company":"2019-03-04T06:42:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32244","tags":"Older American","has_narrative":true,"complaint_id":"3168276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MicroBilt / PRBC (formerly CL Verify)","date_received":"2019-03-04T01:41:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["It's <em>fraud</em> the <em>inaccurate</em> 's on my XXXX, XXXX, XXXX <em>Credit</em> <em>reports</em> <em>which</em> are the hard and soft inquires they where done in <em>fraud</em> by my XXXX XXXX adult son who XXXX hurts his reasoning and judgement he doesn't know that my name and my social security number is for my use only due to his XXXX XXXX hurting his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the <em>fraud</em> matter of my XXXX XXXX adult son applying for loans and <em>credit</em> cards in <em>fraud</em>"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[9.654034,"3168276"]},{"_index":"complaint-public-v1","_id":"9207011","_score":9.639993,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX ACCOUNT NUMBER : XXXX IS A FRAUD ACCOUNT OPENED WITHOUT MY KNOWLEDGE. \nWHY THIS FRAUD ACCOUNT STILL SHOWING OPEN. \n\nTHIS FRAUD ACCOUNT HAS A BALANCE OF {$29000.00} WHICH IS INACCURATE THIS CLOSED ACCOUNT IS INACCURATE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW.","date_sent_to_company":"2024-06-09T02:50:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"9207011","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-09T02:50:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX ACCOUNT NUMBER : XXXX IS A <em>FRAUD</em> ACCOUNT OPENED WITHOUT MY KNOWLEDGE. \nWHY THIS <em>FRAUD</em> ACCOUNT STILL SHOWING OPEN. \n\nTHIS <em>FRAUD</em> ACCOUNT HAS A BALANCE OF {$29000.00} <em>WHICH</em> IS <em>INACCURATE</em> THIS CLOSED ACCOUNT IS <em>INACCURATE</em> AND SHALL DELETE FROM MY <em>CREDIT</em> <em>REPORT</em> BY LAW."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.639993,"9207011"]},{"_index":"complaint-public-v1","_id":"9207006","_score":9.639774,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"LOBEL FINANCIAL ACCOUNT NUMBER : XXXX IS A FRAUD ACCOUNT OPENED WITHOUT MY KNOWLEDGE. \nWHY THIS FRAUD ACCOUNT STILL SHOWING OPEN. \n\nTHIS FRAUD ACCOUNT HAS A BALANCE OF {$29000.00} WHICH IS INACCURATE THIS CLOSED ACCOUNT IS INACCURATE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW.","date_sent_to_company":"2024-06-09T02:50:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"9207006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LOBEL FINANCIAL CORPORATION","date_received":"2024-06-09T02:37:14.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["LOBEL FINANCIAL ACCOUNT NUMBER : XXXX IS A <em>FRAUD</em> ACCOUNT OPENED WITHOUT MY KNOWLEDGE. \nWHY THIS <em>FRAUD</em> ACCOUNT STILL SHOWING OPEN. \n\nTHIS <em>FRAUD</em> ACCOUNT HAS A BALANCE OF {$29000.00} <em>WHICH</em> IS <em>INACCURATE</em> THIS CLOSED ACCOUNT IS <em>INACCURATE</em> AND SHALL DELETE FROM MY <em>CREDIT</em> <em>REPORT</em> BY LAW."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.639774,"9207006"]},{"_index":"complaint-public-v1","_id":"3489323","_score":9.590623,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Problem with fraud alert and not reinvestigation results I sent Equifax a certified letter asking for investigation of inaccurate accounts reporting to my credit report. Per company guidelines, XXXX, XXXX, Equifax must report the same information on all three reports, which I have enclosed proof showing each of these accounts are reporting inaccurate information between bureaus, which is a violation. \nI sent a copy of all three credit reports to XXXX, XXXX, Equifax showing and where each agency is reporting different information, which makes the information inaccurate. \n\nPlease see attachments for accounts in questions and for details. \nAfter Equifax received my valid proof of information. I received a letter with no answer at my dispute, XXXX XXXX and XXXX accounts are still reporting and a fraud alert has been placed on my account. \n\nSo, the company did not fully investigate my disputes and yet add a fraud alert to my account, which I did not consent too. \n\nPlease note, I attached my letter that was sent, my proof of the inaccurate accounts information, proof of deletion of same accounts from Transunion results, and proof theses accounts are still reporting inaccurate information amount the 3 different credit agencies.","date_sent_to_company":"2020-01-08T20:47:55.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"77070","tags":null,"has_narrative":true,"complaint_id":"3489323","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-01-08T20:34:57.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Problem with <em>fraud</em> alert and not reinvestigation results I sent Equifax a certified letter asking for investigation of <em>inaccurate</em> accounts <em>reporting</em> to my <em>credit</em> <em>report</em>. Per company guidelines, XXXX, XXXX, Equifax must <em>report</em> the same information on all three <em>reports</em>, <em>which</em> I have enclosed proof showing each of these accounts are <em>reporting</em> <em>inaccurate</em> information between bureaus, <em>which</em> is a violation."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with <em>fraud</em> alerts or security freezes"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.590623,"3489323"]},{"_index":"complaint-public-v1","_id":"4788765","_score":9.457447,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Ive communicated fraud to credit reporting agencies and provided proper evidence to refute negative marks. All 3 reporting agencies verified inaccurate, fraud information which has cost me my credit reputation and hard costs of inaccessibility to credit. \n\nThere must be a better method to protect citizens who have be the victims of fraud. Creditors paid to provide negative information on consumers can not be partial. This is a violation of consumer protection rights. And, these bureaus and their furnishers must be held accountable for reporting inaccurate fraudulent activities.","date_sent_to_company":"2021-10-07T18:51:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30062","tags":null,"has_narrative":true,"complaint_id":"4788765","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-10-07T18:34:01.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Ive communicated <em>fraud</em> to <em>credit</em> <em>reporting</em> agencies and provided proper evidence to refute negative marks. All 3 <em>reporting</em> agencies verified <em>inaccurate</em>, <em>fraud</em> information <em>which</em> has cost me my <em>credit</em> reputation and hard costs of inaccessibility to <em>credit</em>. \n\nThere must be a better method to protect citizens who have be the victims of <em>fraud</em>. Creditors paid to provide negative information on consumers can not be partial. This is a violation of consumer protection rights."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.457447,"4788765"]},{"_index":"complaint-public-v1","_id":"4788839","_score":9.456565,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Ive communicated fraud to credit reporting agencies and provided proper evidence to refute negative marks. All 3 reporting agencies verified inaccurate, fraud information which has cost me my credit reputation and hard costs of inaccessibility to credit. \n\nThere must be a better method to protect citizens who have be the victims of fraud. Creditors paid to provide negative information on consumers can not be partial. This is a violation of consumer protection rights. And, these bureaus and their furnishers must be held accountable for reporting inaccurate fraudulent activities.","date_sent_to_company":"2021-10-07T18:52:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30062","tags":null,"has_narrative":true,"complaint_id":"4788839","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-10-07T18:52:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Ive communicated <em>fraud</em> to <em>credit</em> <em>reporting</em> agencies and provided proper evidence to refute negative marks. All 3 <em>reporting</em> agencies verified <em>inaccurate</em>, <em>fraud</em> information <em>which</em> has cost me my <em>credit</em> reputation and hard costs of inaccessibility to <em>credit</em>. \n\nThere must be a better method to protect citizens who have be the victims of <em>fraud</em>. Creditors paid to provide negative information on consumers can not be partial. This is a violation of consumer protection rights."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.456565,"4788839"]},{"_index":"complaint-public-v1","_id":"4788841","_score":9.451734,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Ive communicated fraud to credit reporting agencies and provided proper evidence to refute negative marks. All 3 reporting agencies verified inaccurate, fraud information which has cost me my credit reputation and hard costs of inaccessibility to credit. \n\nThere must be a better method to protect citizens who have be the victims of fraud. Creditors paid to provide negative information on consumers can not be partial. This is a violation of consumer protection rights. And, these bureaus and their furnishers must be held accountable for reporting inaccurate fraudulent activities.","date_sent_to_company":"2021-10-07T18:52:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30062","tags":null,"has_narrative":true,"complaint_id":"4788841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-10-07T18:52:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Ive communicated <em>fraud</em> to <em>credit</em> <em>reporting</em> agencies and provided proper evidence to refute negative marks. All 3 <em>reporting</em> agencies verified <em>inaccurate</em>, <em>fraud</em> information <em>which</em> has cost me my <em>credit</em> reputation and hard costs of inaccessibility to <em>credit</em>. \n\nThere must be a better method to protect citizens who have be the victims of <em>fraud</em>. Creditors paid to provide negative information on consumers can not be partial. This is a violation of consumer protection rights."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.451734,"4788841"]},{"_index":"complaint-public-v1","_id":"9054247","_score":9.426777,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX ACCOUNT NUMBER : XXXX IS A FRAUD ACCOUNT OPENED WITHOUT MY KNOWLEDGE. \n\nTHIS FRAUD ACCOUNT HAS A BALANCE OF {$29000.00} WHICH IS INACCURATE AND ALSO SHOWING A BALANCE DUE. \n\nTHIS ACCOUNT IS INACCURATE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW.","date_sent_to_company":"2024-05-21T02:35:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"14228","tags":null,"has_narrative":true,"complaint_id":"9054247","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-21T02:35:12.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX ACCOUNT NUMBER : XXXX IS A <em>FRAUD</em> ACCOUNT OPENED WITHOUT MY KNOWLEDGE. \n\nTHIS <em>FRAUD</em> ACCOUNT HAS A BALANCE OF {$29000.00} <em>WHICH</em> IS <em>INACCURATE</em> AND ALSO SHOWING A BALANCE DUE. \n\nTHIS ACCOUNT IS <em>INACCURATE</em> AND SHALL DELETE FROM MY <em>CREDIT</em> <em>REPORT</em> BY LAW."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.426777,"9054247"]},{"_index":"complaint-public-v1","_id":"3400209","_score":9.361908,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX contacted me concerning a XXXX XXXX credit card in my name which they believe is \" POTENTIAL FRAUD '' as a result this card is blocked. \nXXXX XXXX is reporting this card to the credit bureaus as mine even though it is listed as \" Potential Fraud '' by their own Fraud department. \nIf XXXX XXXX believes there is some kind of fraud concerning the XXXX XXXX credit card in my name than any information they report to the credit bureaus including any balance would be inaccurate. \nAs a result of XXXX XXXX 's belief this account should and must be deleted from. my credit report. If XXXX XXXX declares the information reported to my credit reports is accurate they would be deliberately contradicting their own fraud department and intentionally reporting inaccurate information to the credit bureaus concerning me.","date_sent_to_company":"2019-10-09T16:23:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48237","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3400209","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-10-09T16:23:37.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX contacted me concerning a XXXX XXXX <em>credit</em> card in my name <em>which</em> they believe is \" POTENTIAL <em>FRAUD</em> '' as a result this card is blocked. \nXXXX XXXX is <em>reporting</em> this card to the <em>credit</em> bureaus as mine even though it is listed as \" Potential <em>Fraud</em> '' by their own <em>Fraud</em> department. \nIf XXXX XXXX believes there is some kind of <em>fraud</em> concerning the XXXX XXXX <em>credit</em> card in my name than any information they <em>report</em> to the <em>credit</em> bureaus including any balance would be <em>inaccurate</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.361908,"3400209"]},{"_index":"complaint-public-v1","_id":"3400226","_score":9.3606825,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX contacted me concerning a XXXX XXXX credit card in my name which they believe is \" POTENTIAL FRAUD '' as a result this card is blocked. \nXXXX XXXX is reporting this card to the credit bureaus as mine even though it is listed as \" Potential Fraud '' by their own Fraud department. \nIf XXXX XXXX believes there is some kind of fraud concerning the XXXX XXXX credit card in my name than any information they report to the credit bureaus including any balance would be inaccurate. \nAs a result of XXXX XXXX 's belief this account should and must be deleted from. my credit report. If XXXX XXXX declares the information reported to my credit reports is accurate they would be deliberately contradicting their own fraud department and intentionally reporting inaccurate information to the credit bureaus concerning me.","date_sent_to_company":"2019-10-09T16:23:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48237","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3400226","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-10-09T16:00:56.000Z","state":"MI","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":["XXXX XXXX contacted me concerning a XXXX XXXX <em>credit</em> card in my name <em>which</em> they believe is \" POTENTIAL <em>FRAUD</em> '' as a result this card is blocked. \nXXXX XXXX is <em>reporting</em> this card to the <em>credit</em> bureaus as mine even though it is listed as \" Potential <em>Fraud</em> '' by their own <em>Fraud</em> department. \nIf XXXX XXXX believes there is some kind of <em>fraud</em> concerning the XXXX XXXX <em>credit</em> card in my name than any information they <em>report</em> to the <em>credit</em> bureaus including any balance would be <em>inaccurate</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.3606825,"3400226"]},{"_index":"complaint-public-v1","_id":"3400208","_score":9.356064,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX contacted me concerning a XXXX XXXX credit card in my name which they believe is \" POTENTIAL FRAUD '' as a result this card is blocked. \nXXXX XXXX is reporting this card to the credit bureaus as mine even though it is listed as \" Potential Fraud '' by their own Fraud department. \nIf XXXX XXXX believes there is some kind of fraud concerning the XXXX XXXX credit card in my name than any information they report to the credit bureaus including any balance would be inaccurate. \nAs a result of XXXX XXXX 's belief this account should and must be deleted from. my credit report. If XXXX XXXX declares the information reported to my credit reports is accurate they would be deliberately contradicting their own fraud department and intentionally reporting inaccurate information to the credit bureaus concerning me.","date_sent_to_company":"2019-10-09T16:23:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48237","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3400208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-10-09T16:23:37.000Z","state":"MI","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":["XXXX XXXX contacted me concerning a XXXX XXXX <em>credit</em> card in my name <em>which</em> they believe is \" POTENTIAL <em>FRAUD</em> '' as a result this card is blocked. \nXXXX XXXX is <em>reporting</em> this card to the <em>credit</em> bureaus as mine even though it is listed as \" Potential <em>Fraud</em> '' by their own <em>Fraud</em> department. \nIf XXXX XXXX believes there is some kind of <em>fraud</em> concerning the XXXX XXXX <em>credit</em> card in my name than any information they <em>report</em> to the <em>credit</em> bureaus including any balance would be <em>inaccurate</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.356064,"3400208"]},{"_index":"complaint-public-v1","_id":"3801184","_score":9.28859,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Security Credit Services Collection agency continues to violate the Fair Debt Collection Practice Act including several types of inaccurate and illegal credit reporting. The fraud related account currently is being reported by another collection agency by the name of XXXX XXXX XXXX for the same amount XXXX with a different open date of XXXX and Security Credit Services has a reported open date of XXXX which is considered inaccurate information on both agencies not to mention under the FDCPA no collection account can be owned by two different collection agencies which appears to be the case. I find this inaccurate reporting to be a clear violation of my consumer rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practice Act both of these fraud related accounts which never belonged to me should immediately be removed from all of the major consumer reporting agencies effective immediately.","date_sent_to_company":"2020-08-18T14:48:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72204","tags":null,"has_narrative":true,"complaint_id":"3801184","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2020-08-18T14:43:31.000Z","state":"AR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I find this <em>inaccurate</em> <em>reporting</em> to be a clear violation of my consumer rights under the Fair <em>Credit</em> <em>Reporting</em> Act as well as the Fair Debt Collection Practice Act both of these <em>fraud</em> related accounts <em>which</em> never belonged to me should immediately be removed from all of the major consumer <em>reporting</em> agencies effective immediately."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["Security <em>Credit</em> Services, LLC"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.28859,"3801184"]},{"_index":"complaint-public-v1","_id":"11585694","_score":9.257229,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I never requested a fraud alert be placed on my credit report. If you investigate theres no fraud alert on my other reports with transunion or XXXX. This is getting out of hand!!!! Ive requested this BE REMOVED IMMEDIATELY! Why is this still on my Equifax report!!!! \nThis is considered inaccurate reporting according to ( FCRA Section 605 ) The FCRA mandates that consumer credit reports must be accurate and up-to-date. A fraud alert placed without your consent could be considered inaccurate or misleading information on your credit report, which may violate this provision.\n\nEquifax failure to Correct or Delete the Inaccurate Information ( FCRA Section 611 ) has shown improper investigation and should be found in violation of my rights according to FCRA 611 and FCRA 605.","date_sent_to_company":"2025-01-20T19:50:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"11585694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-20T19:35:08.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I never requested a <em>fraud</em> alert be placed on my <em>credit</em> <em>report</em>. If you investigate theres no <em>fraud</em> alert on my other <em>reports</em> with transunion or XXXX. This is getting out of hand!!!! Ive requested this BE REMOVED IMMEDIATELY! Why is this still on my Equifax <em>report</em>!!!! \nThis is considered <em>inaccurate</em> <em>reporting</em> according to ( FCRA Section 605 ) The FCRA mandates that consumer <em>credit</em> <em>reports</em> must be accurate and up-to-date."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[9.257229,"11585694"]},{"_index":"complaint-public-v1","_id":"18994126","_score":9.252073,"_source":{"product":"Debt collection","complaint_what_happened":"Im a Victim Of ID Theft I Was XXXX  From XX/XX/XXXX Register Number XXXX Federal BOP XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Loan Type Credit Card From My 3 Credit Reports This Account Was Closed XX/XX/XXXX Elan  Is Reporting This Card Was Paid And Used After XX/XX/XXXX Elan is inaccurately reporting XX/XX/XXXX a Balance Of XXXX $ With The Amount Paid as XXXX $ Which Is Inaccurate This Is Fraud I Did Not Use The Card Or Make The Payment The suspect is XXXX XXXX XXXX West Virginia XXXX Balance XXXX $ Amount Paid XXXX $ This Is Fraud and Inaccurately Reported As I Never Used This Card Or Made These Payments XX/XX/XXXX Balance XXXX $ Amount paid XXXX $ Past Due XXXX $ This Is all Fraud This Company Is Reporting And Inaccurate I was Already In Custody Of the United states Marshalls In West Virginia XX/XX/XXXX Balance XXXX $ Amount Paid XXXX $ Past Due XXXX $ This Is Fraud And Inaccurately Reported XX/XX/XXXX Balance XXXX $ Amount Paid XXXX $ Past Due XXXX $ XX/XX/XXXX Balance XXXX $ Amount Paid XXXX $ Past Due XXXX $ Which is Fraud And innaccurately Reported XX/XX/XXXX Balance XXXX $ Amount Paid XXXX $ Past Due XXXX $ Fraud And Inaccurately Reported Ive Reported This Information To XXXX XXXX XXXX And They All Failed To Provide Written Documentation Updating Me Under 15 USC 1681i FCRA And 605B FCRA Within 5 Business Days On why This Information Is Still Being Reported And They Are Aware I Was XXXX  And Have all My Address Updates These Accounts Were In Collection Then Removed And Stayed On My Credit Reports XXXX XXXX XXXX without Written Notice With The 5 Business Days For Fraud Thats Reported My Credit I Have added Fraud Alerts On All My Reports And They Have Still Allowed Fraud In My Name XXXX XXXX XXXX My Civil Rights Have Been Violated By All 3 Consumer Reporting Agencies","date_sent_to_company":"2026-01-25T21:56:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"48213","tags":null,"has_narrative":true,"complaint_id":"18994126","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-01-25T21:21:09.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Im a Victim Of ID Theft I Was XXXX  From XX/XX/XXXX Register Number XXXX Federal BOP XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Loan Type <em>Credit</em> Card From My 3 <em>Credit</em> <em>Reports</em> This Account Was Closed XX/XX/XXXX Elan  Is <em>Reporting</em> This Card Was Paid And Used After XX/XX/XXXX Elan is <em>inaccurately</em> <em>reporting</em> XX/XX/XXXX a Balance Of XXXX $ With The Amount Paid as XXXX $ <em>Which</em> Is <em>Inaccurate</em> This Is <em>Fraud</em> I Did Not Use The Card Or Make The Payment The suspect is XXXX XXXX XXXX West Virginia XXXX Balance"],"sub_product":["<em>Credit</em> card debt"]},"sort":[9.252073,"18994126"]},{"_index":"complaint-public-v1","_id":"3213953","_score":9.251782,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"three fraud accounts and inaccurate account are reporting under my equifax credit file. only equifax is the one who is reporting these inaccurate and fraud account under my name, please find attached my police report which shows i was a victim of ID theft at some point and also the FTC report, that i had faxed and mailed to equifax. thank you for your cooperation in this matter","date_sent_to_company":"2019-04-16T20:11:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90027","tags":null,"has_narrative":true,"complaint_id":"3213953","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-04-16T20:06:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["three <em>fraud</em> accounts and <em>inaccurate</em> account are <em>reporting</em> under my equifax <em>credit</em> file. only equifax is the one who is <em>reporting</em> these <em>inaccurate</em> and <em>fraud</em> account under my name, please find attached my police <em>report</em> <em>which</em> shows i was a victim of ID theft at some point and also the FTC <em>report</em>, that i had faxed and mailed to equifax. thank you for your cooperation in this matter"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.251782,"3213953"]},{"_index":"complaint-public-v1","_id":"3801331","_score":9.188285,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Vance & Huffman Collection agency continues to violate the Fair Debt Collection Practice Act including several types of inaccurate and illegal credit reporting. The fraud related account currently is being reported by another collection agency by the name of XXXX XXXX XXXX for the same amount XXXX with a different open date of XXXX. Vance & Huffman has a reported open date of XXXX which is considered inaccurate information on both agencies not to mention under the FDCPA no collection account can be owned by two different collection agencies which appears to be the case. I find this inaccurate reporting to be a clear violation of my consumer rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practice Act both of these fraud related accounts which never belonged to me should immediately be removed from all of the major consumer reporting agencies effective immediately.","date_sent_to_company":"2020-08-18T14:43:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72204","tags":null,"has_narrative":true,"complaint_id":"3801331","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"V and H Portfolio","date_received":"2020-08-18T14:30:25.000Z","state":"AR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I find this <em>inaccurate</em> <em>reporting</em> to be a clear violation of my consumer rights under the Fair <em>Credit</em> <em>Reporting</em> Act as well as the Fair Debt Collection Practice Act both of these <em>fraud</em> related accounts <em>which</em> never belonged to me should immediately be removed from all of the major consumer <em>reporting</em> agencies effective immediately."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.188285,"3801331"]},{"_index":"complaint-public-v1","_id":"3753444","_score":9.151482,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received a Credit Alert from XXXX  about information that is inaccurate regarding my current auto loan with XXXX aka Drive Time. I reported this issue a few months ago and it appears that the Credit is doing this fraud intentionally. After reviewing the XXXX auto profile, the Creditor has incorrect balance owed as {$660.00}, which is incorrect. I always view my XXXX account daily and I'm not behind on payments as well. The Creditor has my monthly payments as {$410.00}, I have documents that show my bi weekly payments is {$190.00} which equals to {$380.00} per monthly. The Creditor fraudulently reported that I was late five times which is so untrue. The Creditor would have reprocessed my vehicle if I was late on my payments for 30 days consecutive for five months. I am being harassed. The XXXX   report number is XXXX, the reported date is XX/XX/2020 not only that the last updated date showing is XX/XX/2020. This Creditor is a liar and is committing fraud by intentionally reporting inaccurate account information to the Credit Agencies, which is why XXXX  has alerted me regarding this Fraud. I would like to file a complaint please. I would like for this intentional fraud to stop immediately. This unethical stuff should not be happening at all.","date_sent_to_company":"2020-07-19T19:57:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30311","tags":null,"has_narrative":true,"complaint_id":"3753444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DriveTime","date_received":"2020-07-19T19:37:14.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This Creditor is a liar and is committing <em>fraud</em> by intentionally <em>reporting</em> <em>inaccurate</em> account information to the <em>Credit</em> Agencies, <em>which</em> is why XXXX  has alerted me regarding this <em>Fraud</em>. I would like to file a complaint please. I would like for this intentional <em>fraud</em> to stop immediately. This unethical stuff should not be happening at all."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.151482,"3753444"]},{"_index":"complaint-public-v1","_id":"18082123","_score":9.114171,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company is falsely and inaccurately reporting information in my consumer/credit file which is due to identity theft/fraud. The information the company is reporting is causing great personal and professional harm. I am a victim of fraud and the information contained in all of company reports are a direct result of fraudulent activity","date_sent_to_company":"2025-12-02T06:02:04.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"30093","tags":null,"has_narrative":true,"complaint_id":"18082123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST ADVANTAGE CORPORATION","date_received":"2025-12-02T05:36:23.000Z","state":"GA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Company is falsely and <em>inaccurately</em> <em>reporting</em> information in my consumer/<em>credit</em> file <em>which</em> is due to identity theft/<em>fraud</em>. The information the company is <em>reporting</em> is causing great personal and professional harm. I am a victim of <em>fraud</em> and the information contained in all of company <em>reports</em> are a direct result of fraudulent activity"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Other personal consumer <em>report</em>"],"sub_issue":["Public record information <em>inaccurate</em>"]},"sort":[9.114171,"18082123"]},{"_index":"complaint-public-v1","_id":"4807073","_score":9.044169,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is no longer my lender for these loans they fraudulently reported my loan was delinquent which it is not. The bank committed fraud by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra fraud for the loan It is under investigation by the ncua The credit bereaus were told of this and that the reporting is inaccurate and they did not correct the credit report","date_sent_to_company":"2021-10-13T08:48:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"24112","tags":null,"has_narrative":true,"complaint_id":"4807073","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-10-13T08:48:16.000Z","state":"VA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX is no longer my lender for these loans they fraudulently <em>reported</em> my loan was delinquent <em>which</em> it is not. The bank committed <em>fraud</em> by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra <em>fraud</em> for the loan It is under investigation by the ncua The <em>credit</em> bereaus were told of this and that the <em>reporting</em> is <em>inaccurate</em> and they did not correct the <em>credit</em> <em>report</em>"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.044169,"4807073"]},{"_index":"complaint-public-v1","_id":"4807072","_score":9.042723,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is no longer my lender for these loans they fraudulently reported my loan was delinquent which it is not. The bank committed fraud by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra fraud for the loan It is under investigation by the ncua The credit bereaus were told of this and that the reporting is inaccurate and they did not correct the credit report","date_sent_to_company":"2021-10-13T08:48:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"24112","tags":null,"has_narrative":true,"complaint_id":"4807072","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-10-13T08:48:16.000Z","state":"VA","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":["XXXX is no longer my lender for these loans they fraudulently <em>reported</em> my loan was delinquent <em>which</em> it is not. The bank committed <em>fraud</em> by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra <em>fraud</em> for the loan It is under investigation by the ncua The <em>credit</em> bereaus were told of this and that the <em>reporting</em> is <em>inaccurate</em> and they did not correct the <em>credit</em> <em>report</em>"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.042723,"4807072"]},{"_index":"complaint-public-v1","_id":"4807064","_score":9.04152,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is no longer my lender for these loans they fraudulently reported my loan was delinquent which it is not. The bank committed fraud by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra fraud for the loan It is under investigation by the ncua The credit bereaus were told of this and that the reporting is inaccurate and they did not correct the credit report","date_sent_to_company":"2021-10-13T08:48:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"24112","tags":null,"has_narrative":true,"complaint_id":"4807064","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-10-13T08:38:47.000Z","state":"VA","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":["XXXX is no longer my lender for these loans they fraudulently <em>reported</em> my loan was delinquent <em>which</em> it is not. The bank committed <em>fraud</em> by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra <em>fraud</em> for the loan It is under investigation by the ncua The <em>credit</em> bereaus were told of this and that the <em>reporting</em> is <em>inaccurate</em> and they did not correct the <em>credit</em> <em>report</em>"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.04152,"4807064"]},{"_index":"complaint-public-v1","_id":"3649740","_score":9.03935,"_source":{"product":"Debt collection","complaint_what_happened":"discover bank has not responded to my certified letter and they are continuing to report this fraud account to my credit report which is inaccurate.","date_sent_to_company":"2020-05-13T14:24:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"43232","tags":null,"has_narrative":true,"complaint_id":"3649740","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2020-05-13T14:21:23.000Z","state":"OH","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["discover bank has not responded to my certified letter and they are continuing to <em>report</em> this <em>fraud</em> account to my <em>credit</em> <em>report</em> <em>which</em> is <em>inaccurate</em>."],"sub_product":["<em>Credit</em> card debt"]},"sort":[9.03935,"3649740"]},{"_index":"complaint-public-v1","_id":"8384479","_score":9.027349,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"victim of credit card fraud XXXX XXXX Was reported to XXXX, Funds was given back late fee and late payment was reported to credit which is inaccurate.","date_sent_to_company":"2024-02-20T15:07:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"338XX","tags":null,"has_narrative":true,"complaint_id":"8384479","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-20T15:07:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["victim of <em>credit</em> card <em>fraud</em> XXXX XXXX Was <em>reported</em> to XXXX, Funds was given back late fee and late payment was <em>reported</em> to <em>credit</em> <em>which</em> is <em>inaccurate</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> 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