{"took":196,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":358,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16231123","_score":19.342838,"_source":{"product":"Debt collection","complaint_what_happened":"My personal data and information have been released in multiple data breaches, and this is the second time it has happened this year. I have already filed identity theft reports, but this continues to cause serious financial and personal harm to my life. \n\nThis situation has placed a heavy burden on me and my family. I am recently married, I have a son, and these ongoing breaches are setting me back financially and emotionally. I can not continue to suffer these repeated violations. I am requesting immediate action to protect my identity, stop further damage, and hold the responsible parties accountable. \n\nI am a victim of identity theft, and I need this matter taken seriously.","date_sent_to_company":"2025-09-28T12:00:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"43211","tags":null,"has_narrative":true,"complaint_id":"16231123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-28T11:50:01.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am requesting immediate action to protect my <em>identity</em>, stop further damage, and hold the responsible parties accountable. \n\nI am a <em>victim</em> of <em>identity</em> <em>theft</em>, and I need this matter taken seriously."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[19.342838,"16231123"]},{"_index":"complaint-public-v1","_id":"16228864","_score":19.327463,"_source":{"product":"Debt collection","complaint_what_happened":"My personal data and information have been released in multiple data breaches, and this is the second time it has happened this year. I have already filed identity theft reports, but this continues to cause serious financial and personal harm to my life. \n\nThis situation has placed a heavy burden on me and my family. I am recently married, I have a son, and these ongoing breaches are setting me back financially and emotionally. I can not continue to suffer these repeated violations. I am requesting immediate action to protect my identity, stop further damage, and hold the responsible parties accountable. \n\nI am a victim of identity theft, and I need this matter taken seriously.","date_sent_to_company":"2025-09-28T12:00:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"43211","tags":null,"has_narrative":true,"complaint_id":"16228864","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-28T11:59:34.000Z","state":"OH","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am requesting immediate action to protect my <em>identity</em>, stop further damage, and hold the responsible parties accountable. \n\nI am a <em>victim</em> of <em>identity</em> <em>theft</em>, and I need this matter taken seriously."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[19.327463,"16228864"]},{"_index":"complaint-public-v1","_id":"6188723","_score":19.044619,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and the fraud account it is ruining me and my families lives. I have sent over multiple documents including a FTC report showing and stating that this is FRAUD with all forms of my ID which was ask for to verify that its me. I will be reattaching the information again. I have did my research and according to the law any Fraud accounts must be blocked and remove within 4 business days. How much longer must I suffer with this account its not mine and I shouldn't be penalize for it. I know you wouldn't want to suffer with a Fraud account as well. Do the right thing and help me get justice my family is depending on it to buy our house.","date_sent_to_company":"2022-11-10T19:03:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"6188723","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-10T18:47:07.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a <em>victim</em> of <em>identity</em> <em>theft</em> and the fraud account it is ruining me and my families lives. I have sent over <em>multiple</em> documents including a FTC report showing and stating that this is FRAUD with all forms of my ID which was ask for to verify that its me. I will be reattaching the information again. I have did my research and according to the law any Fraud accounts must be blocked and remove within 4 business days."]},"sort":[19.044619,"6188723"]},{"_index":"complaint-public-v1","_id":"6188067","_score":19.018147,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and the fraud account it is ruining me and my families lives. I have sent over multiple documents including a FTC report showing and stating that this is FRAUD with all forms of my ID which was ask for to verify that its me. I will be reattaching the information again. I have did my research and according to the law any Fraud accounts must be blocked and remove within 4 business days. How much longer must I suffer with this account its not mine and I shouldn't be penalize for it. I know you wouldn't want to suffer with a Fraud account as well. Do the right thing and help me get justice my family is depending on it to buy our house.","date_sent_to_company":"2022-11-10T19:04:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"6188067","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-11-10T19:03:54.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a <em>victim</em> of <em>identity</em> <em>theft</em> and the fraud account it is ruining me and my families lives. I have sent over <em>multiple</em> documents including a FTC report showing and stating that this is FRAUD with all forms of my ID which was ask for to verify that its me. I will be reattaching the information again. I have did my research and according to the law any Fraud accounts must be blocked and remove within 4 business days."]},"sort":[19.018147,"6188067"]},{"_index":"complaint-public-v1","_id":"11169943","_score":18.890364,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Sir or Madam : I am a victim of Identity theft and I have tried multiple times to stop the debt collection that is under fraudulent activity. This has affected me tremendously and I can not move my family into a home, currently, I am technically homeless and this is not fair that my family and I have to suffer. I have to stay with friends and family and this is causing stress on my family. Please help me get these fraud accounts removed from my credit report and file a complaint.","date_sent_to_company":"2025-01-02T18:24:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"29203","tags":null,"has_narrative":true,"complaint_id":"11169943","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-12-16T15:48:06.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Dear Sir or Madam : I am a <em>victim</em> of <em>Identity</em> <em>theft</em> and I have tried <em>multiple</em> times to stop the debt collection that is under fraudulent activity. This has affected me tremendously and I can not move my family into a home, currently, I am technically homeless and this is not fair that my family and I have to <em>suffer</em>. I have to stay with friends and family and this is causing stress on my family. Please help me get these fraud accounts removed from my credit report and file a complaint."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[18.890364,"11169943"]},{"_index":"complaint-public-v1","_id":"12640286","_score":18.869759,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : XXXX XXXX XXXX account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX XXXX in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. I am a victim of identity theft and i sent a cease and desist, and also sent a FTC","date_sent_to_company":"2025-03-24T21:53:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30043","tags":null,"has_narrative":true,"complaint_id":"12640286","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-24T21:52:42.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have <em>suffered</em> various abuses including, but not limited to, <em>identity</em> <em>theft</em>, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. I am a <em>victim</em> of <em>identity</em> <em>theft</em> and i sent a cease and desist, and also sent a FTC"]},"sort":[18.869759,"12640286"]},{"_index":"complaint-public-v1","_id":"12619742","_score":18.80073,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : IQ DATA INTERNATIONAL account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by IQ DATA INTERNATIONAL in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. I am a victim of identity theft and i sent a cease and desist, and also sent a FTC","date_sent_to_company":"2025-03-24T21:53:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30043","tags":null,"has_narrative":true,"complaint_id":"12619742","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2025-03-24T21:30:12.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have <em>suffered</em> various abuses including, but not limited to, <em>identity</em> <em>theft</em>, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. I am a <em>victim</em> of <em>identity</em> <em>theft</em> and i sent a cease and desist, and also sent a FTC"]},"sort":[18.80073,"12619742"]},{"_index":"complaint-public-v1","_id":"12618278","_score":18.80073,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : XXXX XXXX XXXX account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX XXXX in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. I am a victim of identity theft and i sent a cease and desist, and also sent a FTC","date_sent_to_company":"2025-03-24T21:53:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30043","tags":null,"has_narrative":true,"complaint_id":"12618278","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-24T21:52:42.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have <em>suffered</em> various abuses including, but not limited to, <em>identity</em> <em>theft</em>, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. I am a <em>victim</em> of <em>identity</em> <em>theft</em> and i sent a cease and desist, and also sent a FTC"]},"sort":[18.80073,"12618278"]},{"_index":"complaint-public-v1","_id":"5353350","_score":18.694355,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have attempted multiple times to address the wrong fraudulent information on my credit report from Capital One however no matter how much I try and how much proof I have provided them they still are yet to take care of this issue promptly which is making my credit score suffer. \n\nYou can Refer to the document I provide below & look specifically at the Capital One account of which I never opened. As I was a victim of Identity theft. \n\nPlease help me solve this","date_sent_to_company":"2022-03-22T21:38:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33141","tags":null,"has_narrative":true,"complaint_id":"5353350","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-03-22T21:24:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have attempted <em>multiple</em> times to address the wrong fraudulent information on my credit report from Capital One however no matter how much I try and how much proof I have provided them they still are yet to take care of this issue promptly which is making my credit score <em>suffer</em>. \n\nYou can Refer to the document I provide below & look specifically at the Capital One account of which I never opened. As I was a <em>victim</em> of <em>Identity</em> <em>theft</em>. \n\nPlease help me solve this"]},"sort":[18.694355,"5353350"]},{"_index":"complaint-public-v1","_id":"7105475","_score":18.62274,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2023, I received numerous letters from XXXX XXXX XXXX ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, XXXX and Experian which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.","date_sent_to_company":"2023-06-12T22:04:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60617","tags":null,"has_narrative":true,"complaint_id":"7105475","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-12T22:04:05.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am a <em>victim</em> of <em>Identity</em> <em>Theft</em> and continue to <em>suffer</em> from the <em>theft</em> of my social security number and other personal information which was used to open <em>multiple</em> credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving <em>multiple</em> collection letters and requested my credit reports from XXXX, XXXX and Experian which revealed <em>multiple</em> credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files."]},"sort":[18.62274,"7105475"]},{"_index":"complaint-public-v1","_id":"7104364","_score":18.60949,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2023, I received numerous letters from XXXX XXXX XXXX ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, Equifax and XXXX which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.","date_sent_to_company":"2023-06-12T22:04:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60617","tags":null,"has_narrative":true,"complaint_id":"7104364","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-12T22:04:05.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am a <em>victim</em> of <em>Identity</em> <em>Theft</em> and continue to <em>suffer</em> from the <em>theft</em> of my social security number and other personal information which was used to open <em>multiple</em> credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving <em>multiple</em> collection letters and requested my credit reports from XXXX, Equifax and XXXX which revealed <em>multiple</em> credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files."]},"sort":[18.60949,"7104364"]},{"_index":"complaint-public-v1","_id":"7105523","_score":18.566145,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2023, I received numerous letters from Resurgent Capital Service ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, XXXX and XXXX which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.","date_sent_to_company":"2023-06-12T22:04:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60617","tags":null,"has_narrative":true,"complaint_id":"7105523","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-06-12T21:27:07.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am a <em>victim</em> of <em>Identity</em> <em>Theft</em> and continue to <em>suffer</em> from the <em>theft</em> of my social security number and other personal information which was used to open <em>multiple</em> credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving <em>multiple</em> collection letters and requested my credit reports from XXXX, XXXX and XXXX which revealed <em>multiple</em> credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files."]},"sort":[18.566145,"7105523"]},{"_index":"complaint-public-v1","_id":"15809562","_score":18.55049,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft, and my personal information was exposed in multiple data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent. \n\nI submitted official FTC Identity Theft Reports, my government-issued ID, proof of address, and formal written disputes under FCRA 605B, which requires these bureaus to block and delete fraudulent information within 4 business days. Despite complying with all requirements, the bureaus failed to delete the false accounts and inquiries, leaving me vulnerable to further harm.\n\nThis continued reporting of fraudulent data after valid identity theft documentation has been submitted is a direct violation of FCRA 605B, as well as 616 and 617 regarding willful and negligent noncompliance. I have suffered financial and emotional damage due to their inaction.","date_sent_to_company":"2025-09-11T13:53:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91737","tags":null,"has_narrative":true,"complaint_id":"15809562","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-10T04:26:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am a <em>victim</em> of <em>identity</em> <em>theft</em>, and my personal information was exposed in <em>multiple</em> data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent."]},"sort":[18.55049,"15809562"]},{"_index":"complaint-public-v1","_id":"15809564","_score":18.547829,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft, and my personal information was exposed in multiple data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent. \n\nI submitted official FTC Identity Theft Reports, my government-issued ID, proof of address, and formal written disputes under FCRA 605B, which requires these bureaus to block and delete fraudulent information within 4 business days. Despite complying with all requirements, the bureaus failed to delete the false accounts and inquiries, leaving me vulnerable to further harm.\n\nThis continued reporting of fraudulent data after valid identity theft documentation has been submitted is a direct violation of FCRA 605B, as well as 616 and 617 regarding willful and negligent noncompliance. I have suffered financial and emotional damage due to their inaction.","date_sent_to_company":"2025-09-11T13:53:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91737","tags":null,"has_narrative":true,"complaint_id":"15809564","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-10T04:26:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am a <em>victim</em> of <em>identity</em> <em>theft</em>, and my personal information was exposed in <em>multiple</em> data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent."]},"sort":[18.547829,"15809564"]},{"_index":"complaint-public-v1","_id":"15808434","_score":18.547829,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft, and my personal information was exposed in multiple data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent. \n\nI submitted official FTC Identity Theft Reports, my government-issued ID, proof of address, and formal written disputes under FCRA 605B, which requires these bureaus to block and delete fraudulent information within 4 business days. Despite complying with all requirements, the bureaus failed to delete the false accounts and inquiries, leaving me vulnerable to further harm. \n\nThis continued reporting of fraudulent data after valid identity theft documentation has been submitted is a direct violation of FCRA 605B, as well as 616 and 617 regarding willful and negligent noncompliance. I have suffered financial and emotional damage due to their inaction.","date_sent_to_company":"2025-09-11T15:45:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91739","tags":null,"has_narrative":true,"complaint_id":"15808434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-10T04:22:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am a <em>victim</em> of <em>identity</em> <em>theft</em>, and my personal information was exposed in <em>multiple</em> data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent."]},"sort":[18.547829,"15808434"]},{"_index":"complaint-public-v1","_id":"15809319","_score":18.52807,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft, and my personal information was exposed in multiple data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent. \n\nI submitted official FTC Identity Theft Reports, my government-issued ID, proof of address, and formal written disputes under FCRA 605B, which requires these bureaus to block and delete fraudulent information within 4 business days. Despite complying with all requirements, the bureaus failed to delete the false accounts and inquiries, leaving me vulnerable to further harm. \n\nThis continued reporting of fraudulent data after valid identity theft documentation has been submitted is a direct violation of FCRA 605B, as well as 616 and 617 regarding willful and negligent noncompliance. I have suffered financial and emotional damage due to their inaction.","date_sent_to_company":"2025-09-11T15:45:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91739","tags":null,"has_narrative":true,"complaint_id":"15809319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-10T04:19:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am a <em>victim</em> of <em>identity</em> <em>theft</em>, and my personal information was exposed in <em>multiple</em> data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent."]},"sort":[18.52807,"15809319"]},{"_index":"complaint-public-v1","_id":"15808855","_score":18.496992,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft, and my personal information was exposed in multiple data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent. \n\nI submitted official FTC Identity Theft Reports, my government-issued ID, proof of address, and formal written disputes under FCRA 605B, which requires these bureaus to block and delete fraudulent information within 4 business days. Despite complying with all requirements, the bureaus failed to delete the false accounts and inquiries, leaving me vulnerable to further harm.\n\nThis continued reporting of fraudulent data after valid identity theft documentation has been submitted is a direct violation of FCRA 605B, as well as 616 and 617 regarding willful and negligent noncompliance. I have suffered financial and emotional damage due to their inaction.","date_sent_to_company":"2025-09-11T13:53:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91737","tags":null,"has_narrative":true,"complaint_id":"15808855","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-10T04:22:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am a <em>victim</em> of <em>identity</em> <em>theft</em>, and my personal information was exposed in <em>multiple</em> data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent."]},"sort":[18.496992,"15808855"]},{"_index":"complaint-public-v1","_id":"15808436","_score":18.496992,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft, and my personal information was exposed in multiple data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent. \n\nI submitted official FTC Identity Theft Reports, my government-issued ID, proof of address, and formal written disputes under FCRA 605B, which requires these bureaus to block and delete fraudulent information within 4 business days. Despite complying with all requirements, the bureaus failed to delete the false accounts and inquiries, leaving me vulnerable to further harm. \n\nThis continued reporting of fraudulent data after valid identity theft documentation has been submitted is a direct violation of FCRA 605B, as well as 616 and 617 regarding willful and negligent noncompliance. I have suffered financial and emotional damage due to their inaction.","date_sent_to_company":"2025-09-11T15:45:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91739","tags":null,"has_narrative":true,"complaint_id":"15808436","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-10T04:22:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am a <em>victim</em> of <em>identity</em> <em>theft</em>, and my personal information was exposed in <em>multiple</em> data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent."]},"sort":[18.496992,"15808436"]},{"_index":"complaint-public-v1","_id":"8665501","_score":18.22975,"_source":{"product":"Credit card","complaint_what_happened":"I have been a victim of identity theft while in a coma. I suffered from amnesia as well for the last year. Someone stole my identity. My identity has also been involved in multiple data bridges the most recent date of breach being with XXXX. I did not consent to anyone pulling my credit or authorizing any credit cards. I believe someone in my family took advantage of my medical situation, but I can not prove it without the proper documentation to protect myself. Also, these companies are reporting inaccurate negative information on my credit file with all three credit reporting agencies. I have a right to do process, I also have a right to arbitration on these accounts. SEE STTACHED DOCUMENTS.","date_sent_to_company":"2024-04-01T15:40:06.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"52404","tags":"Servicemember","has_narrative":true,"complaint_id":"8665501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-04-01T15:24:07.000Z","state":"IA","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["I have been a <em>victim</em> of <em>identity</em> <em>theft</em> while in a coma. I <em>suffered</em> from amnesia as well for the last year. Someone stole my <em>identity</em>. My <em>identity</em> has also been involved in <em>multiple</em> data bridges the most recent date of breach being with XXXX. I did not consent to anyone pulling my credit or authorizing any credit cards. I believe someone in my family took advantage of my medical situation, but I can not prove it without the proper documentation to protect myself."]},"sort":[18.22975,"8665501"]},{"_index":"complaint-public-v1","_id":"15798185","_score":17.475231,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and data breaches ( XXXX, XXXX, XXXX XXXX XXXX ). My credit report dated XX/XX/year> shows fraudulent accounts, including XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These accounts were opened without my consent, and multiple unauthorized inquiries were made by lenders such as XXXX XXXX, XXXX, and XXXX XXXX. \n\nUnder FCRA 1681b, 1681e ( b ), 1681i, and 1681s-2, these entries are inaccurate, unverifiable, and lack permissible purpose. My credit scores have been harmed, and I have suffered financial and reputational damage. \n\nI request the CFPB ensure deletion of all fraudulent accounts and inquiries, require credit bureaus to reinvestigate, and hold furnishers accountable for unlawful reporting. \n\nSupporting documents provided : FTC Identity Theft Report, 3-Bureau Credit Report XXXX and dispute letters.","date_sent_to_company":"2025-09-08T20:00:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60617","tags":"Servicemember","has_narrative":true,"complaint_id":"15798185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-08T19:42:38.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a <em>victim</em> of <em>identity</em> <em>theft</em> and data breaches ( XXXX, XXXX, XXXX XXXX XXXX ). My credit report dated XX/XX/year> shows fraudulent accounts, including XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These accounts were opened without my consent, and <em>multiple</em> unauthorized inquiries were made by lenders such as XXXX XXXX, XXXX, and XXXX XXXX. \n\nUnder FCRA 1681b, 1681e ( b ), 1681i, and 1681s-2, these entries are inaccurate, unverifiable, and lack permissible purpose."]},"sort":[17.475231,"15798185"]},{"_index":"complaint-public-v1","_id":"14195192","_score":17.424814,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am the victim of identity theft and submitted a formal dispute to Equifax under FCRA Section 605B on XX/XX/year>, along with a valid FTC Identity Theft Report, proof of ID, and proof of address. \n\nI requested that Equifax remove the following fraudulent accounts : XXXX XXXX  ( multiple accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have already suffered financial damage and emotional stress due to their continued presence on my credit report. \n\nEquifax has failed to respond within the required timeframe. Under Section 605B of the Fair Credit Reporting Act, Equifax was required to block these fraudulent items within 4 business days of receiving my documentation. No removal has occurred, and no response has been issued.","date_sent_to_company":"2025-06-20T17:46:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29651","tags":null,"has_narrative":true,"complaint_id":"14195192","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-20T17:33:42.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am the <em>victim</em> of <em>identity</em> <em>theft</em> and submitted a formal dispute to Equifax under FCRA Section 605B on XX/XX/year>, along with a valid FTC <em>Identity</em> <em>Theft</em> Report, proof of ID, and proof of address."]},"sort":[17.424814,"14195192"]},{"_index":"complaint-public-v1","_id":"17837084","_score":16.913776,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Multiple accounts Victim of identity theft by a family member Was even told by financial institution that they couldnt ve sure I wasnt \" in on it '' by the family member whom committed this crime I have suffered for years about this, its effected my ability to support myself financially as well as my children I havent been able to secure housing ( mortgage or rent ) Meanwhile the famiky member whom I have no contact with obtained a car loan and a mortgage for a home of her own in 2023 I have tried eveeything to improve my credit and have even filed bankruptcy before in effort to not press charges on her Companies are refusing to help me not be victimized anymore and are refusing to remove items on my report that are either not mine or reporting them as open accoutnsbwhen they arent open, are over 5 years old and are closed and charged off and the amounts and dates are wrong on multiple accounts wirh different banking or financial institutions","date_sent_to_company":"2025-12-08T18:11:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29526","tags":null,"has_narrative":true,"complaint_id":"17837084","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-12-08T18:11:27.000Z","state":"SC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Multiple</em> accounts <em>Victim</em> of <em>identity</em> <em>theft</em> by a family member Was even told by financial institution that they couldnt ve sure I wasnt \" in on it '' by the family member whom committed this crime I have <em>suffered</em> for years about this, its effected my ability to support myself financially as well as my children I havent been able to secure housing ( mortgage or rent ) Meanwhile the famiky member whom I have no contact with obtained a car loan and a mortgage for a home of her own in 2023 I have tried"]},"sort":[16.913776,"17837084"]},{"_index":"complaint-public-v1","_id":"15076676","_score":16.887383,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and am reporting a fraudulent XXXX XXXX XXXX account ( reported as opened in 2024 ) that does not belong to me. This account is falsely listed on my Experian credit report with a reported balance of {$26000.00} and a last payment date of XX/XX/year>. I never applied for or authorized this account. \n\nI disputed the account directly with Experian, but they failed to permanently remove it. I also requested documentation from the credit bureau and the furnisher ( XXXX XXXX proving that I opened the account, such as a signed application or contract, but none was provided. \n\nUnder the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, the credit bureau is required to block fraudulent information within 4 business days upon receiving a valid identity theft report. I provided this documentation, including a police report and FTC Identity Theft Affidavit, yet the account remains. \n\nIve suffered serious consequences due to this false reporting, including multiple credit denials, increased interest rates, and emotional distress. This account is clearly inaccurate and unverifiable. I am requesting that the CFPB require Experian and the furnisher to permanently delete the account and cease reporting it to any party.","date_sent_to_company":"2025-08-04T14:03:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60406","tags":null,"has_narrative":true,"complaint_id":"15076676","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-04T13:53:10.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, the credit bureau is required to block fraudulent information within 4 business days upon receiving a valid <em>identity</em> <em>theft</em> report. I provided this documentation, including a police report and FTC <em>Identity</em> <em>Theft</em> Affidavit, yet the account remains. \n\nIve <em>suffered</em> serious consequences due to this false reporting, including <em>multiple</em> credit denials, increased interest rates, and emotional distress."]},"sort":[16.887383,"15076676"]},{"_index":"complaint-public-v1","_id":"8673866","_score":16.706635,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been a victim of identity theft while in a coma. I suffered from amnesia as well for the last year. Someone stole my identity. My identity has also been involved in multiple data bridges the most recent date of breach being with XXXX. \nAll three of these companies are reporting inaccurate negative information on my credit file. They keep lying saying they verified these accounts, while they only deleted XXXX accounts and lied about verfying the others. PER FCRA, UCC, AND CFR RULES, they MUST PROVIDE ME WITH ALL DOCUMENTS USED TO \" VERIFY AND/OR VALIDATE AN ACCOUNT. I have a right to do process, I also have a right to arbitration on these accounts. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHED DOCUMENTS.","date_sent_to_company":"2024-04-01T16:19:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"52404","tags":"Servicemember","has_narrative":true,"complaint_id":"8673866","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-01T16:05:27.000Z","state":"IA","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":["I have been a <em>victim</em> of <em>identity</em> <em>theft</em> while in a coma. I <em>suffered</em> from amnesia as well for the last year. Someone stole my <em>identity</em>. My <em>identity</em> has also been involved in <em>multiple</em> data bridges the most recent date of breach being with XXXX. \nAll three of these companies are reporting inaccurate negative information on my credit file. They keep lying saying they verified these accounts, while they only deleted XXXX accounts and lied about verfying the others."]},"sort":[16.706635,"8673866"]},{"_index":"complaint-public-v1","_id":"8672855","_score":16.706635,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been a victim of identity theft while in a XXXX. I suffered from XXXX  as well for the last XXXX. Someone stole my identity. My identity has also been involved in multiple data bridges the most recent date of breach being with Equifax. \nAll three of these companies are reporting inaccurate negative information on my credit file. They keep lying saying they verified these accounts, while they only deleted XXXX accounts and lied about verfying the others. PER FCRA, UCC, AND CFR RULES, they MUST PROVIDE ME WITH ALL DOCUMENTS USED TO \" VERIFY AND/OR VALIDATE AN ACCOUNT. I have a right to do process, I also have a right to arbitration on these accounts. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SEE ATTACHED DOCUMENTS.","date_sent_to_company":"2024-04-01T16:19:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"52404","tags":"Servicemember","has_narrative":true,"complaint_id":"8672855","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-01T16:19:52.000Z","state":"IA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have been a <em>victim</em> of <em>identity</em> <em>theft</em> while in a XXXX. I <em>suffered</em> from XXXX  as well for the last XXXX. Someone stole my <em>identity</em>. My <em>identity</em> has also been involved in <em>multiple</em> data bridges the most recent date of breach being with Equifax. \nAll three of these companies are reporting inaccurate negative information on my credit file. They keep lying saying they verified these accounts, while they only deleted XXXX accounts and lied about verfying the others."]},"sort":[16.706635,"8672855"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":358,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":358}]}},"product":{"doc_count":358,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":272,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":271},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":29,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":29}]}},{"key":"Debt collection","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":10},{"key":"Credit card debt","doc_count":7},{"key":"Federal student loan debt","doc_count":1},{"key":"Other (i.e. phone, health club, etc.)","doc_count":1},{"key":"Other debt","doc_count":1},{"key":"Rental debt","doc_count":1}]}},{"key":"Credit card","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":13}]}},{"key":"Checking or savings account","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":10}]}},{"key":"Credit card or prepaid card","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":3},{"key":"Store credit card","doc_count":2},{"key":"Gift card","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":2},{"key":"International money transfer","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other type of mortgage","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payroll card","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":358,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":143,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":122},{"key":"Old information reappears or never goes away","doc_count":6},{"key":"Account information incorrect","doc_count":5},{"key":"Personal information incorrect","doc_count":5},{"key":"Account status incorrect","doc_count":4},{"key":"Information is missing that should be on the report","doc_count":1}]}},{"key":"Improper use of your report","doc_count":82,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":63},{"key":"Credit inquiries on your report that you don't recognize","doc_count":19}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":58,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":39},{"key":"Investigation took more than 30 days","doc_count":13},{"key":"Problem with personal statement of dispute","doc_count":6}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":12},{"key":"Investigation took more than 30 days","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":7},{"key":"Debt was result of identity theft","doc_count":6}]}},{"key":"Managing an account","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":3},{"key":"Problem using a debit or ATM card","doc_count":3},{"key":"Banking errors","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":3},{"key":"Card was charged for something you did not purchase with the card","doc_count":2}]}},{"key":"Written notification about debt","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":4},{"key":"Didn't receive notice of right to dispute","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":4}]}},{"key":"Getting a credit card","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":3},{"key":"Sent card you never applied for","doc_count":1}]}},{"key":"Closing your account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":3}]}},{"key":"Other features, terms, or problems","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":3}]}},{"key":"Fraud or scam","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Opening an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account opened as a result of fraud","doc_count":1},{"key":"Account opened without my consent or knowledge","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":2}]}},{"key":"Disclosure verification of debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Right to dispute notice not received","doc_count":1}]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Indicated you were committing crime by not paying debt","doc_count":1}]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company communicating payment assistance or payment extension options","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued you without properly notifying you of lawsuit","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using your card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't increase or decrease your credit limit","doc_count":1}]}}]}},"timely":{"doc_count":358,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":357},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":358,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":212},{"key":"Closed with non-monetary relief","doc_count":144},{"key":"Closed with monetary relief","doc_count":2}]}},"submitted_via":{"doc_count":358,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":358}]}},"company":{"doc_count":358,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":98},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":94},{"key":"Experian Information Solutions Inc.","doc_count":91},{"key":"AMERICAN EXPRESS COMPANY","doc_count":6},{"key":"CITIBANK, N.A.","doc_count":4},{"key":"DISCOVER BANK","doc_count":4},{"key":"Early Warning Services, LLC","doc_count":4},{"key":"JPMORGAN CHASE & CO.","doc_count":4},{"key":"Resurgent Capital Services L.P.","doc_count":4},{"key":"WELLS FARGO & COMPANY","doc_count":4},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":3},{"key":"SYNCHRONY FINANCIAL","doc_count":3},{"key":"Affirm Holdings, Inc","doc_count":2},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":2},{"key":"Paypal Holdings, Inc","doc_count":2},{"key":"T.S. Holdings","doc_count":2},{"key":"TD BANK US HOLDING COMPANY","doc_count":2},{"key":"U.S. BANCORP","doc_count":2},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":1},{"key":"Applied Data Finance, LLC","doc_count":1},{"key":"Atlanticus Services Corporation","doc_count":1},{"key":"Ava Finance, Inc","doc_count":1},{"key":"BARCLAYS BANK DELAWARE","doc_count":1},{"key":"Bridgecrest Acceptance Corporation","doc_count":1},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":1},{"key":"CLGF Holdco 1, LLC","doc_count":1},{"key":"CONTRACT CALLERS INC","doc_count":1},{"key":"Coinbase, Inc.","doc_count":1},{"key":"Colony Brands, Inc.","doc_count":1},{"key":"Comerica","doc_count":1},{"key":"Credit Karma, LLC","doc_count":1},{"key":"Diversified Consultants, Inc.","doc_count":1},{"key":"DriveTime","doc_count":1},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":1},{"key":"FIRSTBANK PUERTO RICO","doc_count":1},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"Gurstel Law Firm, P.C.","doc_count":1},{"key":"LEXISNEXIS","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1},{"key":"Paramount GR Holdings, LLC","doc_count":1},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":1},{"key":"SinglePoint GI","doc_count":1},{"key":"UPGRADE, INC.","doc_count":1},{"key":"Winklevoss Exchange LLC","doc_count":1}]}},"state":{"doc_count":358,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":61},{"key":"TX","doc_count":46},{"key":"FL","doc_count":35},{"key":"IL","doc_count":35},{"key":"NY","doc_count":33},{"key":"MI","doc_count":21},{"key":"GA","doc_count":19},{"key":"VA","doc_count":10},{"key":"NV","doc_count":9},{"key":"DC","doc_count":8},{"key":"MO","doc_count":8},{"key":"OH","doc_count":8},{"key":"MD","doc_count":7},{"key":"SC","doc_count":7},{"key":"PA","doc_count":6},{"key":"TN","doc_count":6},{"key":"LA","doc_count":5},{"key":"AR","doc_count":4},{"key":"CO","doc_count":4},{"key":"IA","doc_count":4},{"key":"IN","doc_count":3},{"key":"NC","doc_count":3},{"key":"OR","doc_count":3},{"key":"RI","doc_count":3},{"key":"WA","doc_count":3},{"key":"AL","doc_count":1},{"key":"AZ","doc_count":1},{"key":"KY","doc_count":1},{"key":"MN","doc_count":1},{"key":"NE","doc_count":1},{"key":"OK","doc_count":1},{"key":"PR","doc_count":1}]}},"company_public_response":{"doc_count":358,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":202},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2}]}},"tags":{"doc_count":358,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":37},{"key":"Older American","doc_count":15}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[16.705452,"8672855"],"3":[15.036483,"12840083"],"4":[13.944628,"20096289"],"5":[13.3470955,"17158093"],"6":[12.841797,"11888352"],"7":[12.150614,"4114100"],"8":[11.730511,"13130526"]}}}