{"took":127,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1364,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3264025","_score":17.91362,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report This is to add some information about experian, and XXXX  credit reporting agencies After speaking with a rep at Experian they said the account was opened by XXXX XXXX","date_sent_to_company":"2019-06-04T19:59:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"14150","tags":null,"has_narrative":true,"complaint_id":"3264025","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-06-04T19:40:57.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX <em>SUBMITTED</em> ON XX/XX/2019 PRODUCT Credit <em>reporting</em>, credit repair <em>services</em>, or other personal consumer <em>reports</em> <em>ISSUE</em> <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> This is to add some <em>information</em> about experian, and XXXX  credit <em>reporting</em> agencies After speaking with a rep at Experian they said the <em>account</em> was opened by XXXX XXXX"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[17.91362,"3264025"]},{"_index":"complaint-public-v1","_id":"11773517","_score":17.712872,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XXXX Experian Consumer Services XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear Experian Customer Service, I am writing to formally dispute incorrect information on my credit report, which I obtained from Experian. Upon reviewing my report, I have identified discrepancies that I believe are not reflective of my true credit history. \n\nThe inaccurate information is as follows : [ Describe the misinformation, e.g., incorrect account status, wrong account balance, account not belonging to you, incorrect late payments, etc. ] Issue : These old information that shouldnt be on my report are still there. Such as old address, data, email, background checks. \n\nI have already attempted to resolve this issue by [ describe any steps youve already taken, e.g., contacting the creditor directly, previously submitting disputes, etc. ], but the issue remains unresolved. \n\nUnder the Fair Credit Reporting Act ( FCRA ), I request that Experian investigate and correct the erroneous entries on my credit report. Please provide me with a written response within 30 days detailing the results of your investigation and any changes made to my report. \n\nThank you for your immediate attention to this matter. I look forward to your prompt resolution.","date_sent_to_company":"2025-01-27T05:16:59.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"20169","tags":null,"has_narrative":true,"complaint_id":"11773517","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-27T04:56:44.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["The inaccurate <em>information</em> is as follows : [ Describe the misinformation, e.g., <em>incorrect</em> <em>account</em> status, wrong <em>account</em> balance, <em>account</em> not belonging to you, <em>incorrect</em> late payments, etc. ] <em>Issue</em> : These old <em>information</em> that shouldnt be on my <em>report</em> are still there. Such as old address, data, email, background checks."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["Other personal consumer <em>report</em>"],"sub_issue":["Old <em>information</em> reappears or never goes away"]},"sort":[17.712872,"11773517"]},{"_index":"complaint-public-v1","_id":"13922963","_score":16.6508,"_source":{"product":"Student loan","complaint_what_happened":"In XX/XX/year>, I sent a formal letter to the FERPA Office and the Department of Education and have not received a response from either. \n\nCategory : Issue : Problem with a credit or consumer report or Dealing with your lender or servicer Sub-issue : Incorrect information on your report or Account servicing issues I am submitting a second formal complaint against MOHELA ( Missouri Higher Education Loan Authority ), my federal student loan servicer, due to serious issues with the servicing and reporting of my student loan accounts. \nMOHELA has failed to provide accurate loan information and has potentially mishandled borrower accounts in a manner consistent with ongoing class action litigation currently being pursued against the company. I have disputed the accuracy of my loan balance and servicing records and have requested verification and an audit, but MOHELA has not responded satisfactorily. \nAdditionally, there are growing concerns of a potential data breach or security failure, involving high-profile individuals, that may have compromised borrower data. I have demanded information about whether my personal data was affected and what protections are in place.\n\nI am requesting that CFPB investigate MOHELAs conduct regarding : Improper account handling Inaccurate reporting to credit bureaus Mishandling of IDR/PSLF eligibility Potential data privacy violations MOHELAs failure to respond within the 30-day FCRA dispute timeline and its opaque servicing practices are unacceptable. I request regulatory review and enforcement action where applicable.","date_sent_to_company":"2025-06-05T14:07:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Federal student loan servicing","zip_code":"21207","tags":null,"has_narrative":true,"complaint_id":"13922963","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-06-05T13:56:57.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Category : <em>Issue</em> : Problem with a credit or consumer <em>report</em> or Dealing with <em>your</em> lender or <em>servicer</em> Sub-<em>issue</em> : <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> or <em>Account</em> <em>servicing</em> <em>issues</em> I am <em>submitting</em> a second formal complaint against MOHELA ( Missouri Higher Education Loan Authority ), my federal student loan <em>servicer</em>, due to serious <em>issues</em> with the <em>servicing</em> and <em>reporting</em> of my student loan <em>accounts</em>."],"sub_product":["Federal student loan <em>servicing</em>"]},"sort":[16.6508,"13922963"]},{"_index":"complaint-public-v1","_id":"11833130","_score":16.649908,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally report incorrect information on my credit bureau, specifically regarding my XXXX loan accounts. Despite multiple disputes and attempts to resolve this issue, the inaccurate information remains reflected on my credit report. \n\nIn XX/XX/year>, I received a report indicating a total of {$210000.00} in XXXX loans. I knew this information was incorrect, as my loans had been consolidated. After noticing the discrepancy, I immediately called the loan servicing company, and customer service assured me that they would address the issue. This was my third call regarding this matter, highlighting the ongoing nature of this problem. \n\nI subsequently submitted disputes with TransUnion, XXXX, and XXXX, providing documentation confirming my loan consolidation. Despite my efforts, I recently applied for additional XXXXt loans to further my XXXX career and discovered that TransUnion is still reporting these accounts as having outstanding balances. \n\nThis situation not only misrepresents my financial standing but also jeopardizes my ability to secure educational funding necessary for my career advancement. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that my credit report accurately reflects my XXXX loan status. \n\nThank you for your attention to this urgent issue. I look forward to your prompt response.","date_sent_to_company":"2025-01-29T17:56:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30813","tags":null,"has_narrative":true,"complaint_id":"11833130","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-29T17:26:29.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to formally <em>report</em> <em>incorrect</em> <em>information</em> on my credit bureau, specifically regarding my XXXX loan <em>accounts</em>. Despite multiple disputes and attempts to resolve this <em>issue</em>, the inaccurate <em>information</em> remains reflected on my credit <em>report</em>. \n\nIn XX/XX/year>, I received a <em>report</em> indicating a total of {$210000.00} in XXXX loans. I knew this <em>information</em> was <em>incorrect</em>, as my loans had been consolidated."],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[16.649908,"11833130"]},{"_index":"complaint-public-v1","_id":"12746707","_score":15.984634,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding Discover Financial Services inaccurate reporting of my account to the credit bureaus. My Discover account was charged off in 2021, yet Discover continues to report late payments on my credit report after the charge-off date. This is incorrect and is negatively impacting my credit score.\n\nI have disputed this issue directly with Discover, but they have refused to correct the error. I have also contacted the credit bureaus to dispute the inaccurate reporting, but the issue remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), information on my credit report must be accurate and verifiable, and Discovers continued reporting of late payments on a charged-off account violates this requirement. \n\nI request that the CFPB investigate this matter and ensure Discover updates my credit report correctlyremoving all late payment notations after the charge-off date. \n\nThank you for your time and assistance. I look forward to your prompt resolution of this issue.","date_sent_to_company":"2025-03-31T23:52:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06514","tags":null,"has_narrative":true,"complaint_id":"12746707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-03-31T23:42:21.000Z","state":"CT","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am <em>submitting</em> this complaint regarding Discover Financial <em>Services</em> inaccurate <em>reporting</em> of my <em>account</em> to the credit bureaus. My Discover <em>account</em> was charged off in 2021, yet Discover continues to <em>report</em> late payments on my credit <em>report</em> after the charge-off date. This is <em>incorrect</em> and is negatively impacting my credit score.\n\nI have disputed this <em>issue</em> directly with Discover, but they have refused to correct the error."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Account</em> status <em>incorrect</em>"]},"sort":[15.984634,"12746707"]},{"_index":"complaint-public-v1","_id":"11799950","_score":15.709471,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint # XXXX and XXXX I am writing to follow up on my original dispute, which I submitted on XX/XX/year>2025 regarding unauthorized inquiries, incorrect personal information, and fraudulent accounts appearing on my credit report. Despite my initial submission, your response, dated XX/XX/year>2025, indicates that no action was taken due to concerns regarding the authorization of my request. However, I am now submitting this dispute directly in accordance with the Fair Credit Reporting Act ( FCRA ) 611, and I expect a full and comprehensive investigation of the disputed information. \n\nI request that Clarity Services conduct a detailed reinvestigation of the following disputes : Unauthorized Inquiries : Inquiries made without my consent or knowledge. \nIncorrect Personal Information : The erroneous addresses, names, birthdates, phone numbers, and email addresses listed in my credit file. \nFraudulent Accounts : Accounts that I did not open or authorize For your reference, I have attached the following documents to support my dispute : A copy of my government-issued ID ( e.g., drivers license or passport ) A utility bill or bank statement verifying my current address A copy of my credit report with the unauthorized inquiries and accounts highlighted","date_sent_to_company":"2025-01-27T22:50:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"030XX","tags":null,"has_narrative":true,"complaint_id":"11799950","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-27T22:44:00.000Z","state":"NH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Complaint # XXXX and XXXX I am writing to follow up on my original dispute, which I <em>submitted</em> on XX/XX/year>2025 regarding unauthorized inquiries, <em>incorrect</em> personal <em>information</em>, and fraudulent <em>accounts</em> appearing on my credit <em>report</em>. Despite my initial submission, <em>your</em> response, dated XX/XX/year>2025, indicates that no action was taken due to concerns regarding the authorization of my request."],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[15.709471,"11799950"]},{"_index":"complaint-public-v1","_id":"9569818","_score":15.614054,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have filed disputes to XXXX concerning incorrect personal information. I called in to follow up on my disputes requesting incorrect addresses posted under personal information. XXXX stated that they were not able to delete theses incorrect addresses because they were associated with XXXX negative accounts from XXXX XXXX and NCB Management Services. I contacted these to companies to submit disputes on these accounts via certified mail and did not receive responses after 30 days. \n\nOn XX/XX/year> I called XXXX to have them dispute these accounts. They were unable to verify the accounts because they did not have my birth day on file and they were not provided by any of my accounts. I submitted my ID, birthday, XXXX, address, phone number, and employer via certified mail which they received on XX/XX/year>. XXXX has not removed these harmful accounts from my report. XXXX has also denied me access to my credit report through there XXXX XXXX because my birthday is not on file despite having received it. \n\nI am confused on the direction I should pursue to resolve this issue. Please investigate how XXXX can report negative information on my credit report without the ability to confirm my identity. Thank you for your efforts in resolving this matter.","date_sent_to_company":"2024-07-20T18:34:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"046XX","tags":null,"has_narrative":true,"complaint_id":"9569818","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NCB Management Services Inc.","date_received":"2024-07-20T18:34:34.000Z","state":"ME","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I have filed disputes to XXXX concerning <em>incorrect</em> personal <em>information</em>. I called in to follow up on my disputes requesting <em>incorrect</em> addresses posted under personal <em>information</em>. XXXX stated that they were not able to delete theses <em>incorrect</em> addresses because they were associated with XXXX negative <em>accounts</em> from XXXX XXXX and NCB Management <em>Services</em>. I contacted these to companies to <em>submit</em> disputes on these <em>accounts</em> via certified mail and did not receive responses after 30 days."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["NCB Management <em>Services</em> Inc."],"sub_issue":["Personal <em>information</em> <em>incorrect</em>"]},"sort":[15.614054,"9569818"]},{"_index":"complaint-public-v1","_id":"9531426","_score":15.602118,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently obtained my personal credit report and theyre items in m personal information profile that should not be reporting. I tried to submit a complaint. But, they stated that I would have to call them to resolve this matter. The major issue Im having is the ability to communicate with someone about my situation. Ive tried several numbers and all calls leads to an automated system. The system gives no prompts to speak with a customer service specialist. I need your assistance in making contact with someone to discuss my dispute. This incorrect information is harming my credit account. Experian has to do better in giving consumers the access to speak to a live representative.","date_sent_to_company":"2024-07-16T16:09:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32909","tags":null,"has_narrative":true,"complaint_id":"9531426","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-16T15:53:07.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I need <em>your</em> assistance in making contact with someone to discuss my dispute. This <em>incorrect</em> <em>information</em> is harming my credit <em>account</em>. Experian has to do better in giving consumers the access to speak to a live representative."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Personal <em>information</em> <em>incorrect</em>"]},"sort":[15.602118,"9531426"]},{"_index":"complaint-public-v1","_id":"6097556","_score":15.550137,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"AMENDMENT TO FILE # XXXX STATUS : Submitted to the CFPB on XX/XX/XXXX PRODUCT : Credit reporting, credit repair services, or other personal consumer reports ISSUE : Incorrect information on your report I am writing this complaint to further show how TransUnion and XXXX XXXX have been reporting incorrect and inaccurate information onto my TransUnion credit profile. On XXXX XXXX TransUnion reported that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( see the underlined on page 1 of TransUnion report File # XXXX but continued to allow false reports and monthly charges. However, after XXXX XXXX realized that they were wrong and perhaps wanted to avoid legal action against them, they sent an official letter to me announcing that they were closing the account on or about XX/XX/XXXX. ( see letter attached ) No consumer should have to go through this. I am appealing to you, Consumer Financial Protection Bureau, to address this kind of ill reporting and inaccuracies because I am told that is why your agency exists. The only solution to this issue is delete this now!! \n\nThank you for your time and I pray that you will do more than serve as a messenger.","date_sent_to_company":"2022-10-19T03:35:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"275XX","tags":"Older American","has_narrative":true,"complaint_id":"6097556","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-10-19T03:11:15.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["AMENDMENT TO FILE # XXXX STATUS : <em>Submitted</em> to the CFPB on XX/XX/XXXX PRODUCT : Credit <em>reporting</em>, credit repair <em>services</em>, or other personal consumer <em>reports</em> <em>ISSUE</em> : <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> I am writing this complaint to further show how TransUnion and XXXX XXXX have been <em>reporting</em> <em>incorrect</em> and inaccurate <em>information</em> onto my TransUnion credit profile."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Account</em> status <em>incorrect</em>"]},"sort":[15.550137,"6097556"]},{"_index":"complaint-public-v1","_id":"11136637","_score":15.472108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Against XXXX XXXX for Reporting Inaccurate Information on My Credit File I am writing to formally file a complaint regarding inaccurate information being reported by XXXX XXXX to my credit file. I believe these discrepancies may be in violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracies specifically involve incorrect reporting of account balances and the failure to provide required tax documentation for a written-off debt. \n\nThe discrepancies are as follows : Incorrect Account Balance : XXXX XXXX has reported an incorrect balance on my account, which does not accurately reflect the amount owed or the actual status of the account. \nFailure to Provide Form 1099-C for Written-Off Debt : Despite the fact that the debt associated with the account was written off by XXXX XXXX, I have not received the required 1099-C form for tax reporting purposes, as mandated by the IRS. \nI have made several attempts to resolve these issues directly with XXXX XXXX. I have contacted their customer service team multiple times and submitted written disputes requesting the correction of the account balance and the issuance of the appropriate 1099-C form. Unfortunately, despite these efforts, the inaccuracies have not been rectified, and the incorrect information continues to negatively affect my credit report and financial standing. \n\nAs this situation has caused significant harm to my creditworthiness, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that XXXX XXXX complies with its obligations under the FCRA, including the accurate reporting of information to credit reporting agencies and the timely issuance of the 1099-C form for written-off debt. \n\nPlease let me know if you require any further information or documentation from me to assist in your investigation. I look forward to your prompt response and resolution of this matter.","date_sent_to_company":"2024-12-12T17:59:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"41091","tags":null,"has_narrative":true,"complaint_id":"11136637","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-12-12T17:59:00.000Z","state":"KY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have made several attempts to resolve these <em>issues</em> directly with XXXX XXXX. I have contacted their customer <em>service</em> team multiple times and <em>submitted</em> written disputes requesting the correction of the <em>account</em> balance and the <em>issuance</em> of the appropriate 1099-C form. Unfortunately, despite these efforts, the inaccuracies have not been rectified, and the <em>incorrect</em> <em>information</em> continues to negatively affect my credit <em>report</em> and financial standing."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Account</em> <em>information</em> <em>incorrect</em>"]},"sort":[15.472108,"11136637"]},{"_index":"complaint-public-v1","_id":"11135967","_score":15.472108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXormal Complaint Against Ally Financial for Reporting Inaccurate Information on My Credit File I am writing to formally file a complaint regarding inaccurate information being reported by Ally Financial to my credit file. I believe these discrepancies may be in violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracies specifically involve incorrect reporting of account balances and the failure to provide required tax documentation for a written-off debt.\n\nThe discrepancies are as follows : Incorrect Account Balance : Ally Financial has reported an incorrect balance on my account, which does not accurately reflect the amount owed or the actual status of the account.\n\nFailure to Provide Form 1099-C for Written-Off Debt : Despite the fact that the debt associated with the account was written off by Ally Financial, I have not received the required 1099-C form for tax reporting purposes, as mandated by the IRS.\n\nI have made several attempts to resolve these issues directly with Ally Financial. I have contacted their customer service team multiple times and submitted written disputes requesting the correction of the account balance and the issuance of the appropriate 1099-C form. Unfortunately, despite these efforts, the inaccuracies have not been rectified, and the incorrect information continues to negatively affect my credit report and financial standing.\n\nAs this situation has caused significant harm to my creditworthiness, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that Ally Financial complies with its obligations under the FCRA, including the accurate reporting of information to credit reporting agencies and the timely issuance of the 1099-C form for written-off debt.\n\nPlease let me know if you require any further information or documentation from me to assist in your investigation. I look forward to your prompt response and resolution of this matter.","date_sent_to_company":"2024-12-12T17:58:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"41091","tags":null,"has_narrative":true,"complaint_id":"11135967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2024-12-12T17:17:34.000Z","state":"KY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have made several attempts to resolve these <em>issues</em> directly with Ally Financial. I have contacted their customer <em>service</em> team multiple times and <em>submitted</em> written disputes requesting the correction of the <em>account</em> balance and the <em>issuance</em> of the appropriate 1099-C form. Unfortunately, despite these efforts, the inaccuracies have not been rectified, and the <em>incorrect</em> <em>information</em> continues to negatively affect my credit <em>report</em> and financial standing."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Account</em> <em>information</em> <em>incorrect</em>"]},"sort":[15.472108,"11135967"]},{"_index":"complaint-public-v1","_id":"18073822","_score":15.408862,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally submit a complaint against Capital One regarding the reporting of inaccurate personal information to credit bureaus and the negative impact it has had on my credit score and overall financial standing. \n\nI have recently reviewed my credit report and found that Capital One is reporting false personal information related to my account. Specifically, [ describe the incorrect information, e.g., inaccurate personal details, incorrect account status, etc. ]. This information is not only incorrect but has also adversely affected my credit score and my ability to secure loans and credit. \n\nI have attempted to resolve this issue directly with Capital One by contacting their customer service on [ insert dates of communication with Capital One ] but have not received a satisfactory resolution. I provided them with all necessary documentation to correct the inaccuracies, yet the false information persists on my credit report. \n\nRequested Resolution : I request the CFPB 's assistance in investigating this matter and urge Capital One to correct their reporting to the credit bureaus. The inaccuracies must be rectified promptly to prevent further damage to my creditworthiness and financial life. \n\nI appreciate your attention to this matter, and I look forward to hearing from you soon regarding the actions taken to address my complaint. \n\nThank you for your assistance.","date_sent_to_company":"2025-12-02T22:49:00.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"48083","tags":null,"has_narrative":true,"complaint_id":"18073822","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-02T22:44:11.000Z","state":"MI","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally <em>submit</em> a complaint against Capital One regarding the <em>reporting</em> of inaccurate personal <em>information</em> to credit bureaus and the negative impact it has had on my credit score and overall financial standing. \n\nI have recently reviewed my credit <em>report</em> and found that Capital One is <em>reporting</em> false personal <em>information</em> related to my <em>account</em>. Specifically, [ describe the <em>incorrect</em> <em>information</em>, e.g., inaccurate personal details, <em>incorrect</em> <em>account</em> status, etc. ]."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Personal <em>information</em> <em>incorrect</em>"]},"sort":[15.408862,"18073822"]},{"_index":"complaint-public-v1","_id":"12046236","_score":15.342476,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against XXXX XXXX Subject : Formal Complaint Against XXXX XXXX Fraudulent Reporting & Identity Theft To Whom It May Concern, I am submitting this complaint againsXXXX XXXX XXXX XXXX XXXX. for reporting fraudulent and inaccurate information on my consumer report, which has significantly harmed my financial standing. Despite my previous disputes, these errors remain unresolved. \n\nDetails of the Complaint : Fraudulent Accounts : Unauthorized accounts have been reported in my name.\n\nUnauthorized Inquiries : There are hard inquiries on my report that I did not authorize.\n\nIncorrect Negative Information : My credit report reflects negative marks that do not belong to me.\n\nHow This Has Affected Me : Lowered My Credit Score : My credit score is currently XXXX, which does not reflect my actual creditworthiness. \nCredit Denials : I have been denied credit and banking services because of this fraudulent reporting. \nFinancial Hardship : These errors have made it difficult for me to access financial opportunities. \n\nPrevious Dispute Attempts : I have already disputed these issues directly with XXXX XXXX but have not received an adequate resolution. \n\nRequested Resolution : I am requesting immediate action from the CFPB to ensure XXXX XXXX  : XXXX. Removes all fraudulent accounts and unauthorized inquiries. \nXXXX. Deletes all incorrect negative information. \nXXXX. Provides written confirmation of corrections within XXXX hours. \n\nI have attached supporting documentation, including a copy of my identification, disputed credit report, and prior correspondence. \n\nThank you for your immediate attention to this matter. \n\n\n\nComplaint Against XXXX Subject : Urgent Complaint Against XXXX Fraudulent Information Due to Identity Theft To Whom It May Concern, I am submitting this complaint against XXXX due to fraudulent and inaccurate information appearing on my consumer report. I have already disputed this information directly with XXXX, yet no corrective action has been taken. \n\nDetails of the Complaint : Fraudulent Accounts : Accounts opened without my consent have been falsely reported.\n\nUnauthorized Inquiries : My report shows inquiries I never authorized.\n\nIncorrect Negative Information : Negative marks unrelated to me are listed on my report. Impact on My Financial Standing\n: My credit score has been unfairly lowered to XXXX. \nI have been denied credit and banking services based on this false information. \nThese errors have caused me significant financial hardship. \n\nPrevious Dispute Attempts : I previously contacted XXXX to dispute these errors but have received no proper resolution. \n\nRequested Resolution : I am requesting that the CFPB take action to : XXXX. Require XXXX to immediately remove fraudulent accounts and inquiries. \n2. Delete all inaccurate and unverifiable negative information.\n\n3. Provide written confirmation of these corrections within 24 hours.\n\nI have attached supporting documents, including my identification and disputed credit report.\n\nThank you for your urgent attention to this matter. \n\nSincerely, [ Your Full Name ] [ Your Contact Information ] Complaint Against XXXX Subject : Formal Complaint Against XXXX Identity Theft & Fraudulent Reporting To Whom It May Concern, I am filing this complaint against XXXX for allowing fraudulent and inaccurate information to appear on my consumer report, severely affecting my financial well-being. \n\nDetails of the Complaint : Fraudulent Accounts : Unauthorized accounts appear on my report.\n\nUnauthorized Inquiries : Hard inquiries were made without my consent.\n\nIncorrect Negative Information : My report contains negative information that does not belong to me.\n\nHow This Has Impacted Me : Unjustly lowered my credit score to XXXX. \nResulted in multiple credit and banking denials. \nCreated unnecessary financial hardship. \n\nPrevious Dispute Attempts : I previously contacted XXXX to dispute these issues, yet they remain unresolved. \n\nRequested Resolution : I request that the CFPB ensure that XXXX : XXXX. Immediately removes all fraudulent accounts and inquiries. \nXXXX. Deletes all incorrect and unverifiable negative information. \nXXXX. Provides written confirmation of these corrections within XXXX hours. \n\nI have attached supporting documentation for review. \n\nThank you for your immediate attention to this matter. \n\n\nHow to Submit These Complaints to the CFPB : XXXX. Go to the CFPBs complaint portal : CFPB Complaint Submission XXXX. XXXX a separate complaint for each bureau ( XXXX XXXX XXXX ). \n3. Under Product, choose : Credit reporting, credit repair services, or other personal consumer reports 4. Under Issue, choose : Incorrect information on your report 5. Copy and paste each complaint into the description box.\n\n6. Attach supporting documents, including : A copy of your ID ( drivers license or passport ).\n\nA recent credit report showing the fraudulent accounts.\n\nAny previous dispute letters or responses from the bureaus. \nXXXX. Submit your complaints and monitor your email for updates from the CFPB. \n\nAdditional Complaints to File Aside from XXXX, XXXX, and XXXX, other specialty reporting agencies XXXX have false information about you. \n\nCheck the CFPBs full list of consumer reporting agencies here : List of Consumer Reporting Companies If you find other agencies reporting false information, submit additional complaints following the same format. \n\nFinal Steps : File these complaints with the CFPB ASAP. \nMonitor your email for responses. \nIf no action is taken, escalate by contacting the FTC, FDIC, and your state attorney general.","date_sent_to_company":"2025-02-21T20:34:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"464XX","tags":null,"has_narrative":true,"complaint_id":"12046236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-14T03:08:46.000Z","state":"IN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Under Product, choose : Credit <em>reporting</em>, credit repair <em>services</em>, or other personal consumer <em>reports</em> 4. Under <em>Issue</em>, choose : <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> 5. Copy and paste each complaint into the description box.\n\n6. Attach supporting documents, including : A copy of <em>your</em> ID ( drivers license or passport ).\n\nA recent credit <em>report</em> showing the fraudulent <em>accounts</em>.\n\nAny previous dispute letters or responses from the bureaus. \nXXXX."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[15.342476,"12046236"]},{"_index":"complaint-public-v1","_id":"18334763","_score":15.234092,"_source":{"product":"Student loan","complaint_what_happened":"I am submitting this complaint to report federal student loan servicing misconduct by MOHELA ( Missouri Higher Education Loan Authority ). MOHELAs repeated administrative failures and inaccurate servicing of my federal student loan account have caused financial harm, risk of delinquency, and significant stress. \n\nSpecifically, MOHELA has issued inconsistent and incorrect billing information, failed to properly process repayment-related documentation, and provided conflicting or misleading information through customer service representatives regarding my repayment status and available options. Despite my efforts to comply with all requirements and remain in good standing, MOHELAs actions placed my account at risk of delinquency due to errors that were not caused by me. \n\nThese experiences reflect broader, well-documented patterns of misconduct by MOHELA, including improper billing, mishandling of income-driven repayment processes, and failure to provide accurate guidance to borrowers. As a result of these practices, I have experienced unnecessary financial strain and uncertainty regarding my federal loan obligations. \n\nI have attempted to resolve these issues directly with MOHELA without success. I am requesting that the Consumer Financial Protection Bureau investigate MOHELAs servicing practices related to my account, require corrective action, and ensure that my account is reviewed and adjusted to reflect accurate servicing and borrower protections. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-12-29T05:16:57.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"75126","tags":null,"has_narrative":true,"complaint_id":"18334763","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2025-12-29T04:46:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["I am <em>submitting</em> this complaint to <em>report</em> federal student loan <em>servicing</em> misconduct by MOHELA ( Missouri Higher Education Loan Authority ). MOHELAs repeated administrative failures and inaccurate <em>servicing</em> of my federal student loan <em>account</em> have caused financial harm, risk of delinquency, and significant stress."],"issue":["Dealing with <em>your</em> lender or servicer"]},"sort":[15.234092,"18334763"]},{"_index":"complaint-public-v1","_id":"11021750","_score":15.1850195,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX XXXX  ( also known as XXXX XXXX ). This mortgage servicer has reported incorrect and inconsistent information to all three major credit bureaus ( XXXX, XXXX, and TransUnion ), which is negatively affecting my credit score and financial standing.\n\nThe following issues are present on my credit reports : Inaccurate Late Payments : XXXX XXXX  has incorrectly reported late payments on my account, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. \n\nIncorrect Loan Details and Balances : After my loan was resold, the information reported by XXXX XXXX, including the loan balance and payment status, is inconsistent across all three credit bureaus. The balances shown on my reports do not match the actual outstanding loan balance, which I have confirmed with the lender. \n\nInconsistent Reporting Across Credit Bureaus : The information provided by XXXX XXXX  is inconsistent on each credit bureau, causing confusion and further damage to my credit score. The balances and payment statuses are incorrect, and some details are missing altogether. \n\nI have already attempted to resolve these issues directly with XXXX XXXX  by [ briefly describe any attempts to dispute or resolve the issue, such as calling customer service, submitting disputes, etc. ], but the discrepancies have not been corrected. \n\nI respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX  corrects these inaccuracies on my credit reports. I also request that XXXX XXXX be held accountable for their failure to provide accurate information and for the damage caused by their reporting errors. \n\nThank you for your time and attention to this matter. Please contact me if you require any further information or documentation to support my complaint.","date_sent_to_company":"2024-12-04T04:36:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"781XX","tags":null,"has_narrative":true,"complaint_id":"11021750","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-04T04:36:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The following <em>issues</em> are present on my credit <em>reports</em> : Inaccurate Late Payments : XXXX XXXX  has <em>incorrectly</em> <em>reported</em> late payments on my <em>account</em>, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. \n\n<em>Incorrect</em> Loan Details and Balances : After my loan was resold, the <em>information</em> <em>reported</em> by XXXX XXXX, including the loan balance and payment status, is inconsistent across all three credit bureaus."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Account</em> status <em>incorrect</em>"]},"sort":[15.1850195,"11021750"]},{"_index":"complaint-public-v1","_id":"11021849","_score":15.181303,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding inaccurate credit reporting by Nationstar Mortgage ( also known as Mr. Cooper ). This mortgage servicer has reported incorrect and inconsistent information to all three major credit bureaus ( XXXX, XXXX, and XXXX ), which is negatively affecting my credit score and financial standing. \n\nThe following issues are present on my credit reports : Inaccurate Late Payments : Nationstar Mortgage has incorrectly reported late payments on my account, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. \n\nIncorrect Loan Details and Balances : After my loan was resold, the information reported by Nationstar Mortgage, including the loan balance and payment status, is inconsistent across all three credit bureaus. The balances shown on my reports do not match the actual outstanding loan balance, which I have confirmed with the lender. \n\nInconsistent Reporting Across Credit Bureaus : The information provided by Nationstar Mortgage is inconsistent on each credit bureau, causing confusion and further damage to my credit score. The balances and payment statuses are incorrect, and some details are missing altogether. \n\nI have already attempted to resolve these issues directly with Nationstar Mortgage by [ briefly describe any attempts to dispute or resolve the issue, such as calling customer service, submitting disputes, etc. ], but the discrepancies have not been corrected. \n\nI respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that Nationstar Mortgage corrects these inaccuracies on my credit reports. I also request that Nationstar Mortgage be held accountable for their failure to provide accurate information and for the damage caused by their reporting errors. \n\nThank you for your time and attention to this matter. Please contact me if you require any further information or documentation to support my complaint.","date_sent_to_company":"2024-12-04T04:36:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"781XX","tags":null,"has_narrative":true,"complaint_id":"11021849","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2024-12-04T04:29:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The following <em>issues</em> are present on my credit <em>reports</em> : Inaccurate Late Payments : Nationstar Mortgage has <em>incorrectly</em> <em>reported</em> late payments on my <em>account</em>, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. \n\n<em>Incorrect</em> Loan Details and Balances : After my loan was resold, the <em>information</em> <em>reported</em> by Nationstar Mortgage, including the loan balance and payment status, is inconsistent across all three credit bureaus."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Account</em> status <em>incorrect</em>"]},"sort":[15.181303,"11021849"]},{"_index":"complaint-public-v1","_id":"11021748","_score":15.181303,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX XXXX  ( also known as XXXX XXXX ). This mortgage servicer has reported incorrect and inconsistent information to all three major credit bureaus ( XXXX, XXXX, and TransUnion ), which is negatively affecting my credit score and financial standing.\n\nThe following issues are present on my credit reports : Inaccurate Late Payments : XXXX XXXX  has incorrectly reported late payments on my account, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. \n\nIncorrect Loan Details and Balances : After my loan was resold, the information reported by XXXX XXXX, including the loan balance and payment status, is inconsistent across all three credit bureaus. The balances shown on my reports do not match the actual outstanding loan balance, which I have confirmed with the lender. \n\nInconsistent Reporting Across Credit Bureaus : The information provided by XXXX XXXX  is inconsistent on each credit bureau, causing confusion and further damage to my credit score. The balances and payment statuses are incorrect, and some details are missing altogether. \n\nI have already attempted to resolve these issues directly with XXXX XXXX  by [ briefly describe any attempts to dispute or resolve the issue, such as calling customer service, submitting disputes, etc. ], but the discrepancies have not been corrected. \n\nI respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX  corrects these inaccuracies on my credit reports. I also request that XXXX XXXX  be held accountable for their failure to provide accurate information and for the damage caused by their reporting errors. \n\nThank you for your time and attention to this matter. Please contact me if you require any further information or documentation to support my complaint.","date_sent_to_company":"2024-12-04T04:36:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"781XX","tags":null,"has_narrative":true,"complaint_id":"11021748","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-04T04:36:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The following <em>issues</em> are present on my credit <em>reports</em> : Inaccurate Late Payments : XXXX XXXX  has <em>incorrectly</em> <em>reported</em> late payments on my <em>account</em>, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. \n\n<em>Incorrect</em> Loan Details and Balances : After my loan was resold, the <em>information</em> <em>reported</em> by XXXX XXXX, including the loan balance and payment status, is inconsistent across all three credit bureaus."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Account</em> status <em>incorrect</em>"]},"sort":[15.181303,"11021748"]},{"_index":"complaint-public-v1","_id":"11021745","_score":15.173609,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding inaccurate credit reporting by XXXXXXXX XXXX ( also known as XXXX XXXX ). This mortgage servicer has reported incorrect and inconsistent information to all three major credit bureaus ( Equifax, XXXX, and XXXX ), which is negatively affecting my credit score and financial standing. \n\nThe following issues are present on my credit reports : Inaccurate Late Payments : XXXX XXXX  has incorrectly reported late payments on my account, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. \n\nIncorrect Loan Details and Balances : After my loan was resold, the information reported by XXXX XXXX, including the loan balance and payment status, is inconsistent across all three credit bureaus. The balances shown on my reports do not match the actual outstanding loan balance, which I have confirmed with the lender. \n\nInconsistent Reporting Across Credit Bureaus : The information provided by XXXX XXXX  is inconsistent on each credit bureau, causing confusion and further damage to my credit score. The balances and payment statuses are incorrect, and some details are missing altogether. \n\nI have already attempted to resolve these issues directly with XXXX XXXX  by [ briefly describe any attempts to dispute or resolve the issue, such as calling customer service, submitting disputes, etc. ], but the discrepancies have not been corrected. \n\nI respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX  corrects these inaccuracies on my credit reports. I also request that XXXX XXXX  be held accountable for their failure to provide accurate information and for the damage caused by their reporting errors. \n\nThank you for your time and attention to this matter. Please contact me if you require any further information or documentation to support my complaint.","date_sent_to_company":"2024-12-04T04:36:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"781XX","tags":null,"has_narrative":true,"complaint_id":"11021745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-04T04:36:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The following <em>issues</em> are present on my credit <em>reports</em> : Inaccurate Late Payments : XXXX XXXX  has <em>incorrectly</em> <em>reported</em> late payments on my <em>account</em>, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. \n\n<em>Incorrect</em> Loan Details and Balances : After my loan was resold, the <em>information</em> <em>reported</em> by XXXX XXXX, including the loan balance and payment status, is inconsistent across all three credit bureaus."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Account</em> status <em>incorrect</em>"]},"sort":[15.173609,"11021745"]},{"_index":"complaint-public-v1","_id":"11159238","_score":15.14617,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Against TD BANK USA/TARGET CREDIT for Reporting Inaccurate Information on My Credit File I am writing to formally file a complaint regarding inaccurate information being reported by TD BANK USA/TARGET CREDIT to my credit file. I believe these discrepancies may be in violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracies specifically involve incorrect reporting of account balances and the failure to provide required tax documentation for a written-off debt. The discrepancies are as follows : Incorrect Account Balance : TD BANK USA/TARGET CREDIT has reported an incorrect balance on my account, which does not accurately reflect the amount owed or the actual status of the account. Failure to Provide Form 1099-C for Written-Off Debt : Despite the fact that the debt associated with the account was written off by TD BANK USA/TARGET CREDIT , I have not received the required 1099-C form for tax reporting purposes, as mandated by the IRS. I have made several attempts to resolve these issues directly with TD BANK USA/TARGET CREDIT. I have contacted their customer service team multiple times and submitted written disputes requesting the correction of the account balance and the issuance of the appropriate 1099-C form. Unfortunately, despite these efforts, the inaccuracies have not been rectified, and the incorrect information continues to negatively affect my credit report and financial standing. As this situation has caused significant harm to my creditworthiness, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that XXXX XXXX complies with its obligations under the FCRA, including the accurate reporting of information to credit reporting agencies and the timely issuance of the 1099-C form for written-off debt. Please let me know if you require any further information or documentation from me to assist in your investigation. I look forward to your prompt response and resolution of this matter.","date_sent_to_company":"2024-12-14T17:09:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"41091","tags":null,"has_narrative":true,"complaint_id":"11159238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2024-12-14T17:00:06.000Z","state":"KY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have made several attempts to resolve these <em>issues</em> directly with TD BANK USA/TARGET CREDIT. I have contacted their customer <em>service</em> team multiple times and <em>submitted</em> written disputes requesting the correction of the <em>account</em> balance and the <em>issuance</em> of the appropriate 1099-C form. Unfortunately, despite these efforts, the inaccuracies have not been rectified, and the <em>incorrect</em> <em>information</em> continues to negatively affect my credit <em>report</em> and financial standing."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Account</em> <em>information</em> <em>incorrect</em>"]},"sort":[15.14617,"11159238"]},{"_index":"complaint-public-v1","_id":"12045945","_score":14.942537,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Identity Theft To Whom It XXXX Concern, I am submitting this complaint against XXXX XXXX XXXX XXXX for reporting fraudulent and inaccurate information on my consumer report, which has significantly harmed my financial standing. Despite my previous disputes, these errors remain unresolved. \n\nDetails of the Complaint : XXXX Accounts : Unauthorized accounts have been reported in my name. \nUnauthorized Inquiries : There are hard inquiries on my report that I did not authorize. \nIncorrect Negative Information : My credit report reflects negative marks that do not belong to me. \n\nHow This Has Affected Me : Lowered My XXXX XXXX : My XXXX XXXX is currently XXXX, which does not reflect my actual creditworthiness. \nCredit Denials : I have been denied credit and banking services because of this fraudulent reporting. \nFinancial Hardship : These errors have made it difficult for me to access financial opportunities. \n\nPrevious Dispute Attempts : I have already disputed these issues directly with XXXX XXXX but have not received an adequate resolution. \n\nRequested Resolution : I am requesting immediate action from the CFPB to ensure XXXX XXXX : 1. Removes all fraudulent accounts and unauthorized inquiries.\n\n2. Deletes all incorrect negative information.\n\n3. Provides written confirmation of corrections within XXXX hours. \n\nI have attached supporting documentation, including a copy of my identification, disputed credit report, and prior correspondence. \n\nThank you for your immediate attention to this matter. \n\n\n\nComplaint Against Innovis Subject : Urgent Complaint Against Innovis Fraudulent Information Due to Identity Theft To Whom It May Concern, I am submitting this complaint against Innovis due to fraudulent and inaccurate information appearing on my consumer report. I have already disputed this information directly with Innovis, yet no corrective action has been taken. \n\nDetails of the Complaint : XXXX Accounts : Accounts opened without my consent have been falsely reported. \nUnauthorized Inquiries : My report shows inquiries I never authorized. \nIncorrect Negative Information : Negative marks unrelated to me are listed on my report. \n\nImpact on My XXXX XXXX : My XXXX XXXX has been unfairly lowered to XXXX. \nI have been denied credit and banking services based on this false information. \nThese errors have caused me significant financial hardship. \n\nPrevious Dispute Attempts : I previously contacted Innovis to dispute these errors but have received no proper resolution. \n\nRequested Resolution : I am requesting that the CFPB take action to : 1. Require Innovis to immediately remove fraudulent accounts and inquiries.\n\n2. Delete all inaccurate and unverifiable negative information.\n\n3. Provide written confirmation of these corrections within 24 hours. \n\nI have attached supporting documents, including my identification and disputed credit report. \n\nThank you for your urgent attention to this matter. \n\nSincerely, [ Your Full Name ] [ Your Contact Information ] Complaint Against XXXX Subject : XXXX XXXX XXXX XXXX Identity Theft & Fraudulent Reporting To Whom It XXXX Concern, I am filing this complaint against XXXX for allowing fraudulent and inaccurate information to appear on my consumer report, severely affecting my financial well-being. \n\nDetails of the Complaint : XXXX Accounts : Unauthorized accounts appear on my report. \nUnauthorized Inquiries : Hard inquiries were made without my consent. \nIncorrect Negative Information : My report contains negative information that does not belong to me. \n\nHow This Has Impacted Me : Unjustly lowered my XXXX XXXX to XXXX. \nResulted in multiple credit and banking denials. \nCreated unnecessary financial hardship. \n\nPrevious Dispute Attempts : I previously contacted XXXX to dispute these issues, yet they remain unresolved. \n\nRequested Resolution : I request that the CFPB ensure that XXXX : XXXX. Immediately removes all fraudulent accounts and inquiries. \nXXXX. Deletes all incorrect and unverifiable negative information. \nXXXX. Provides written confirmation of these corrections within XXXX hours. \n\nI have attached supporting documentation for review. \n\nThank you for your immediate attention to this matter. \n\n\nHow to Submit These Complaints to the CFPB : 1. Go to the CFPBs complaint portal : CFPB Complaint Submission 2. File a separate complaint for each bureau ( Clarity, Innovis, XXXX ). \n3. Under XXXX, choose : Credit reporting, credit repair services, or other personal consumer reports 4. Under XXXX, choose : Incorrect information on your report XXXX. Copy and paste each complaint into the description box. \n6. Attach supporting documents, including : A copy of your ID ( drivers license or passport ). \nA recent credit report showing the fraudulent accounts. \nAny previous dispute letters or responses from the bureaus. \nXXXX. Submit your complaints and monitor your email for updates from the CFPB. \n\nAdditional Complaints to XXXX XXXX  from XXXX, Innovis, and XXXX, other specialty reporting agencies XXXX have false information about you. \n\nCheck the CFPBs full list of consumer reporting agencies here : List of XXXX XXXX Companies If you find other agencies reporting false information, submit additional complaints following the same format. \n\nFinal Steps : File these complaints with the CFPB ASAP. \nMonitor your email for responses. \nIf no action is taken, escalate by contacting the FTC, FDIC, and your state attorney general.","date_sent_to_company":"2025-02-21T20:34:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"464XX","tags":null,"has_narrative":true,"complaint_id":"12045945","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2025-02-14T03:15:40.000Z","state":"IN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Thank you for <em>your</em> immediate attention to this matter. \n\n\nHow to <em>Submit</em> These Complaints to the CFPB : 1. Go to the CFPBs complaint portal : CFPB Complaint Submission 2. File a separate complaint for each bureau ( Clarity, Innovis, XXXX ). \n3. Under XXXX, choose : Credit <em>reporting</em>, credit repair <em>services</em>, or other personal consumer <em>reports</em> 4. Under XXXX, choose : <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> XXXX. Copy and paste each complaint into the description box. \n6."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[14.942537,"12045945"]},{"_index":"complaint-public-v1","_id":"12045940","_score":14.942537,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Identity Theft To Whom It XXXX Concern, I am submitting this complaint against XXXX XXXX XXXX XXXX for reporting fraudulent and inaccurate information on my consumer report, which has significantly harmed my financial standing. Despite my previous disputes, these errors remain unresolved. \n\nDetails of the Complaint : XXXX Accounts : Unauthorized accounts have been reported in my name. \nUnauthorized Inquiries : There are hard inquiries on my report that I did not authorize. \nIncorrect Negative Information : My credit report reflects negative marks that do not belong to me. \n\nHow This Has Affected Me : Lowered My XXXX XXXX : My XXXX XXXX is currently XXXX, which does not reflect my actual creditworthiness. \nCredit Denials : I have been denied credit and banking services because of this fraudulent reporting. \nFinancial Hardship : These errors have made it difficult for me to access financial opportunities. \n\nPrevious Dispute Attempts : I have already disputed these issues directly with XXXX XXXX but have not received an adequate resolution. \n\nRequested Resolution : I am requesting immediate action from the CFPB to ensure XXXX XXXX : 1. Removes all fraudulent accounts and unauthorized inquiries.\n\n2. Deletes all incorrect negative information.\n\n3. Provides written confirmation of corrections within XXXX hours. \n\nI have attached supporting documentation, including a copy of my identification, disputed credit report, and prior correspondence. \n\nThank you for your immediate attention to this matter. \n\n\n\nComplaint Against XXXX Subject : Urgent Complaint Against XXXX Fraudulent Information Due to Identity Theft To Whom It XXXX Concern, I am submitting this complaint against XXXX due to fraudulent and inaccurate information appearing on my consumer report. I have already disputed this information directly with XXXX, yet no corrective action has been taken. \n\nDetails of the Complaint : XXXX Accounts : Accounts opened without my consent have been falsely reported. \nUnauthorized Inquiries : My report shows inquiries I never authorized. \nIncorrect Negative Information : Negative marks unrelated to me are listed on my report. \n\nImpact on My XXXX XXXX : My XXXX XXXX has been unfairly lowered to XXXX. \nI have been denied credit and banking services based on this false information. \nThese errors have caused me significant financial hardship. \n\nPrevious Dispute Attempts : I previously contacted XXXX to dispute these errors but have received no proper resolution. \n\nRequested Resolution : I am requesting that the CFPB take action to : 1. Require XXXX to immediately remove fraudulent accounts and inquiries. \n2. Delete all inaccurate and unverifiable negative information.\n\n3. Provide written confirmation of these corrections within XXXX hours. \n\nI have attached supporting documents, including my identification and disputed credit report. \n\nThank you for your urgent attention to this matter. \n\nSincerely, [ Your Full Name ] [ Your Contact Information ] Complaint Against LexisNexis Subject : XXXX XXXX XXXX LexisNexis Identity Theft & Fraudulent Reporting To Whom It XXXX Concern, I am filing this complaint against LexisNexis for allowing fraudulent and inaccurate information to appear on my consumer report, severely affecting my financial well-being. \n\nDetails of the Complaint : XXXX Accounts : Unauthorized accounts appear on my report. \nUnauthorized Inquiries : Hard inquiries were made without my consent. \nIncorrect Negative Information : My report contains negative information that does not belong to me. \n\nHow This Has Impacted Me : Unjustly lowered my XXXX XXXX to XXXX. \nResulted in multiple credit and banking denials. \nCreated unnecessary financial hardship. \n\nPrevious Dispute Attempts : I previously contacted LexisNexis to dispute these issues, yet they remain unresolved. \n\nRequested Resolution : I request that the CFPB ensure that LexisNexis : 1. Immediately removes all fraudulent accounts and inquiries.\n\n2. Deletes all incorrect and unverifiable negative information.\n\n3. Provides written confirmation of these corrections within XXXX hours. \n\nI have attached supporting documentation for review. \n\nThank you for your immediate attention to this matter. \n\n\nHow to Submit These Complaints to the CFPB : 1. Go to the CFPBs complaint portal : CFPB Complaint Submission 2. File a separate complaint for each bureau ( Clarity, XXXX, LexisNexis ). \nXXXX. Under XXXX, choose : Credit reporting, credit repair services, or other personal consumer reports XXXX. Under XXXX, choose : Incorrect information on your report XXXX. Copy and paste each complaint into the description box. \nXXXX. Attach supporting documents, including : A copy of your ID ( drivers license or passport ). \nA recent credit report showing the fraudulent accounts. \nAny previous dispute letters or responses from the bureaus. \nXXXX. Submit your complaints and monitor your email for updates from the CFPB. \n\nAdditional Complaints to File Aside from XXXX, XXXX, and LexisNexis, other specialty reporting agencies XXXX have false information about you. \n\nCheck the CFPBs full list of consumer reporting agencies here : List of XXXX XXXX Companies If you find other agencies reporting false information, submit additional complaints following the same format. \n\nFinal Steps : File these complaints with the CFPB ASAP. \nMonitor your email for responses. \nIf no action is taken, escalate by contacting the FTC, FDIC, and your state attorney general.","date_sent_to_company":"2025-02-21T20:34:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"464XX","tags":null,"has_narrative":true,"complaint_id":"12045940","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-02-14T03:15:40.000Z","state":"IN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Under XXXX, choose : Credit <em>reporting</em>, credit repair <em>services</em>, or other personal consumer <em>reports</em> XXXX. Under XXXX, choose : <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> XXXX. Copy and paste each complaint into the description box. \nXXXX. Attach supporting documents, including : A copy of <em>your</em> ID ( drivers license or passport ). \nA recent credit <em>report</em> showing the fraudulent <em>accounts</em>. \nAny previous dispute letters or responses from the bureaus. \nXXXX."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[14.942537,"12045940"]},{"_index":"complaint-public-v1","_id":"14532768","_score":14.889846,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute an inaccurate late payment that was reported on my student loan account managed by XXXX. According to my credit report, a late payment was reported as of XXXX, XXXX, which is incorrect and misleading. \n\n\nMy student loans are currently in deferment status until XX/XX/XXXX, as reflected in my XXXX account. As such, no payments were due at the time of the alleged delinquency. Reporting a late payment while the account is in deferment is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. \n\n\nI have attached a screenshot and/or documentation from my XXXX account clearly showing the deferment period and the fact that payments are not due during this time.\n\nThis incorrect reporting has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was reported.\n\nSummary of Complaint : Servicer : Department of Education/ XXXX Loan Type : Federal Student Loan Date of Incorrect Reporting : XXXX, XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the incorrect late payment from all credit reporting agencies. \n\nI appreciate your attention to this matter and look forward to your help in resolving this issue promptly. Please let me know if additional documentation is needed.","date_sent_to_company":"2025-07-08T23:38:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"14532768","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-08T23:37:51.000Z","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":["I appreciate <em>your</em> attention to this matter and look forward to <em>your</em> help in resolving this <em>issue</em> promptly. Please let me know if additional documentation is needed."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Account</em> <em>information</em> <em>incorrect</em>"]},"sort":[14.889846,"14532768"]},{"_index":"complaint-public-v1","_id":"14533849","_score":14.88722,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute an inaccurate late payment that was reported on my student loan account managed by XXXX. According to my credit report, a late payment was reported as of XXXX, XXXX, which is incorrect and misleading. \n\n\nMy student loans are currently in deferment status until XX/XX/XXXX, as reflected in my XXXX account. As such, no payments were due at the time of the alleged delinquency. Reporting a late payment while the account is in deferment is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. \n\n\nI have attached a screenshot and/or documentation from my XXXX account clearly showing the deferment period and the fact that payments are not due during this time.\n\nThis incorrect reporting has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was reported.\n\nSummary of Complaint : Servicer : Department of Education/ XXXX Loan Type : Federal Student Loan Date of Incorrect Reporting : XXXX, XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the incorrect late payment from all credit reporting agencies. \n\nI appreciate your attention to this matter and look forward to your help in resolving this issue promptly. Please let me know if additional documentation is needed.","date_sent_to_company":"2025-07-08T23:38:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"14533849","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-08T23:37:51.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I appreciate <em>your</em> attention to this matter and look forward to <em>your</em> help in resolving this <em>issue</em> promptly. Please let me know if additional documentation is needed."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Account</em> <em>information</em> <em>incorrect</em>"]},"sort":[14.88722,"14533849"]},{"_index":"complaint-public-v1","_id":"14532818","_score":14.88722,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute an inaccurate late payment that was reported on my student loan account managed by XXXX. According to my credit report, a late payment was reported as of XX/XX/XXXX, which is incorrect and misleading. \n\n\nMy student loans are currently in deferment status until XX/XX/XXXX, as reflected in my XXXX account. As such, no payments were due at the time of the alleged delinquency. Reporting a late payment while the account is in deferment is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. \n\nI have attached a screenshot and/or documentation from my XXXX account clearly showing the deferment period and the fact that payments are not due during this time.\n\nThis incorrect reporting has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was reported.\n\nSummary of Complaint : Servicer : XXXX Loan Type : Federal Student Loan Date of Incorrect Reporting : XX/XX/XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the incorrect late payment from all credit reporting agencies. \n\n\nI appreciate your attention to this matter and look forward to your help in resolving this issue promptly. Please let me know if additional documentation is needed.","date_sent_to_company":"2025-07-08T22:57:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"14532818","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-08T22:57:12.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["I appreciate <em>your</em> attention to this matter and look forward to <em>your</em> help in resolving this <em>issue</em> promptly. Please let me know if additional documentation is needed."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Account</em> status <em>incorrect</em>"]},"sort":[14.88722,"14532818"]},{"_index":"complaint-public-v1","_id":"14534391","_score":14.872697,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute an inaccurate late payment that was reported on my student loan account managed by XXXX. According to my credit report, a late payment was reported as of XX/XX/XXXX, which is incorrect and misleading. \n\n\nMy student loans are currently in deferment status until XX/XX/XXXX, as reflected in my XXXX account. As such, no payments were due at the time of the alleged delinquency. Reporting a late payment while the account is in deferment is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. \n\nI have attached a screenshot and/or documentation from my XXXX account clearly showing the deferment period and the fact that payments are not due during this time.\n\nThis incorrect reporting has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was reported. \n\nSummary of Complaint : Servicer : XXXX Loan Type : Federal Student Loan Date of Incorrect Reporting : XX/XX/XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the incorrect late payment from all credit reporting agencies. \n\n\nI appreciate your attention to this matter and look forward to your help in resolving this issue promptly. Please let me know if additional documentation is needed.","date_sent_to_company":"2025-07-08T22:57:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"14534391","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-08T22:57:12.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["I appreciate <em>your</em> attention to this matter and look forward to <em>your</em> help in resolving this <em>issue</em> promptly. 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