{"took":239,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2108,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11712064","_score":18.777729,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.\n\nMy accounts not investigated properly ; ending in XXXX, ending in XXXX, ending in XXXX, ending in XXXX, ending in XXXX.","date_sent_to_company":"2025-01-23T14:52:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43015","tags":null,"has_narrative":true,"complaint_id":"11712064","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-23T14:32:33.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My <em>accounts</em> not <em>investigated</em> properly ; <em>ending</em> in <em>XXXX</em>, <em>ending</em> in <em>XXXX</em>, <em>ending</em> in <em>XXXX</em>, <em>ending</em> in <em>XXXX</em>, <em>ending</em> in <em>XXXX</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.777729,"11712064"]},{"_index":"complaint-public-v1","_id":"13408033","_score":18.658348,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax for failing XXXX properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action XXXX  ensure Equifax complies with federal law XXXX  provides consumers with the necessary proof of investigation. \n\nAccounts marked as inaccurate : Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in XXXX","date_sent_to_company":"2025-05-08T20:09:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30134","tags":null,"has_narrative":true,"complaint_id":"13408033","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-08T19:15:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a <em>complaint</em> against Equifax for failing <em>XXXX</em> properly <em>investigate</em> my disputes <em>regarding</em> inaccuracies in my credit report. Despite my submissions, Equifax consistently responds stating the <em>accounts</em> are accurate, without providing any evidence of a thorough <em>investigation</em>. This practice violates the Fair Credit Reporting Act ( FCRA ), <em>XXXX</em> <em>XXXX</em> Code <em>XXXX</em>, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.658348,"13408033"]},{"_index":"complaint-public-v1","_id":"11642986","_score":18.5948,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report.\n\nDespite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. \n\nThese are the accounts that Ive marked as inaccurate XXXX XXXX  account ending in XXXX XXXX XXXX account ending in XXXX XXXX XXXX accounts ending in XXXX XXXX XXXX accounts ending in XXXX XXXX XXXX accounts ending in XXXX XXXX XXXX accounts ending in XXXX XXXX XXXX XXXX account ending in XXXX","date_sent_to_company":"2025-01-18T10:46:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11706","tags":null,"has_narrative":true,"complaint_id":"11642986","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-18T10:04:41.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a <em>complaint</em> against Equifax for failing to property <em>investigate</em> my disputes <em>regarding</em> inaccuracies in my credit report.\n\nDespite my submissions, Equifax consistently responds within 24 hours stating the <em>account</em> is accurate, without providing any evidence of a thorough <em>investigation</em>.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.5948,"11642986"]},{"_index":"complaint-public-v1","_id":"13627871","_score":18.271011,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. \nAccounts marked as inaccurate : Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in XXXX","date_sent_to_company":"2025-05-20T21:29:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30134","tags":null,"has_narrative":true,"complaint_id":"13627871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-20T21:18:51.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( <em>File</em> No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of <em>investigation</em>. \n<em>Accounts</em> marked as inaccurate : <em>Account</em> <em>ending</em> in <em>XXXX</em> <em>Account</em> <em>ending</em> in <em>XXXX</em> <em>Account</em> <em>ending</em> in <em>XXXX</em> <em>Account</em> <em>ending</em> in <em>XXXX</em>"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.271011,"13627871"]},{"_index":"complaint-public-v1","_id":"13614173","_score":18.271011,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.\n\nAccounts marked as inaccurate : Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in XXXX","date_sent_to_company":"2025-05-20T21:35:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30134","tags":null,"has_narrative":true,"complaint_id":"13614173","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-20T21:30:58.000Z","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":["Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( <em>File</em> No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of <em>investigation</em>.\n\n<em>Accounts</em> marked as inaccurate : <em>Account</em> <em>ending</em> in <em>XXXX</em> <em>Account</em> <em>ending</em> in <em>XXXX</em> <em>Account</em> <em>ending</em> in <em>XXXX</em> <em>Account</em> <em>ending</em> in <em>XXXX</em>"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.271011,"13614173"]},{"_index":"complaint-public-v1","_id":"18353556","_score":17.736692,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am filing a complaint regarding inaccurate and potentially outdated information being reported by Equifax on my credit file. I am requesting that the Consumer Financial Protection Bureau assist in ensuring Equifax conducts a proper investigation and updates or removes any information that can not be verified in full compliance with the Fair Credit Reporting Act ( FCRA ). \n\n1. Charged-Off Accounts in Dispute XXXX, Account ending XXXXXXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$28000.00} XXXX, Account ending XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance {$4700.00} XXXX, Account ending XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance {$0.00} I am disputing the accuracy and completeness of these charged-off accounts. The reported dates and balances appear inconsistent with my records and may reflect obsolete or unverifiable information. Please verify each item with the original creditor or remove it from my file if it can not be substantiated. \n\n2. Late Payments in Dispute XXXX, Account ending XXXXXXXX XXXX XXXX XXXX  XXXX, Account ending XXXXXXXX XXXX XXXX XXXXXXXX, Account ending XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Account ending XXXXXXXX XXXX XXXX XXXX, Account ending XXXXXXXX XXXX XXXX I am requesting that Equifax re-investigate these accounts to confirm whether the late payment history being reported is accurate and verifiable. If not, please update the records accordingly. \n\n3. Previous Address XXXX XXXX XXXX, XXXX, NY XXXX I am requesting this outdated address be removed from my Equifax file as it is no longer valid or associated with my current accounts.","date_sent_to_company":"2025-12-29T22:09:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"142XX","tags":null,"has_narrative":true,"complaint_id":"18353556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-29T21:59:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am <em>filing</em> a <em>complaint</em> <em>regarding</em> inaccurate and potentially outdated information being reported by Equifax on my credit <em>file</em>. I am requesting that the Consumer Financial Protection Bureau assist in ensuring Equifax conducts a proper <em>investigation</em> and updates or removes any information that can not be verified in full compliance with the Fair Credit Reporting Act ( FCRA ). \n\n1."]},"sort":[17.736692,"18353556"]},{"_index":"complaint-public-v1","_id":"13207869","_score":17.131039,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against Discover Bank regarding multiple unauthorized transactions on my XXXX XXXX account ending in XXXX. Despite reporting these transactions promptly and providing necessary documentation, Discover Bank has failed to reimburse the disputed amounts. Their investigation lacked transparency, and I was not provided with adequate explanations or evidence supporting their decision. I request the CFPB to investigate this matter and ensure that Discover Bank complies with the obligations set forth under the Electronic Fund Transfer Act.","date_sent_to_company":"2025-04-28T20:53:47.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"13207869","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-04-28T20:50:11.000Z","state":"MO","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am <em>filing</em> this <em>complaint</em> against Discover Bank <em>regarding</em> multiple unauthorized transactions on my <em>XXXX</em> <em>XXXX</em> <em>account</em> <em>ending</em> in <em>XXXX</em>. Despite reporting these transactions promptly and providing necessary documentation, Discover Bank has failed to reimburse the disputed amounts. Their <em>investigation</em> lacked transparency, and I was not provided with adequate explanations or evidence supporting their decision."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[17.131039,"13207869"]},{"_index":"complaint-public-v1","_id":"12468151","_score":17.125975,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. \n\nThese are the accounts and items that I have found to be inaccurate. XXXX XXXX XXXX credit account ending in XXXX reporting 30, 60 & 90 days late - Inaccurate XXXX XXXX XXXX  credit account ending in XXXX reporting 30, 60 & 90 days late - Inaccurate XXXX XXXXXXXX XXXX  credit account ending in XXXX reporting 30 days late - inaccurate XXXX XXXX XXXX credit account ending in XXXX reporting 30, 60 & 90 days late - inaccurate XXXX XXXXXXXX credit account ending in XXXX reporting 30 & 60 days late - innacurate XXXX XXXX XXXXXXXX account ending in XXXX reporting 30, 60, & 90 days late - inaccurate XXXX XXXXXXXX credit account ending in XXXX reporting 30 & 60 days late - inaacurate XXXX XXXX XXXX account ending in XXXX reporting 30 & 60 days late inaccurate Ally Bank credit account ending in XXXX reporting 30, 60 & 90 days late - inaccurate","date_sent_to_company":"2025-03-12T06:58:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77494","tags":null,"has_narrative":true,"complaint_id":"12468151","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-12T06:55:22.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a <em>complaint</em> against Experian for failing to properly <em>investigate</em> my disputes <em>regarding</em> inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the <em>account</em> is accurate, without providing any evidence of a thorough <em>investigation</em>. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.125975,"12468151"]},{"_index":"complaint-public-v1","_id":"11928740","_score":17.105087,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complainant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Subject : Formal Complaint Against Equifax for Non-Compliance with FCRA and CFPB XXXX XXXX Dear Consumer Financial Protection Bureau XXXX I am filing this formal complaint against Equifax Information Services LLC for their failure to conduct a proper investigation regarding disputed items on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. Despite submitting a formal dispute on XX/XX/XXXX, and providing clear documentation of reporting inaccuracies, Equifax has failed to take any corrective action. \n\nBackground of the Dispute On XX/XX/XXXX, I submitted a formal dispute to Equifax, citing multiple inaccuracies on my credit report. I specifically requested verification or deletion of the following accounts due to inconsistencies, errors, and non-compliance with FCRA and IRS XXXX charge-off reporting requirements : XXXX XXXX ( Account Ending in XXXX ) XXXX XXXX ( Account Ending in XXXX ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ) XXXX XXXX XXXX ( Account Ending in XXXX ) XXXX XXXX  ( Account Ending in XXXX ) XXXX XXXX XXXX ( Account Ending in XXXX ) XXXX XXXX XXXX ( Account Ending XXXX XXXX ) XXXX XXXX XXXX ( Account Ending in XXXX and others on file ) Despite the XXXX timeframe required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax failed to conduct a meaningful reinvestigation. Instead, they responded with a generic statement affirming the accuracy of the disputed information without providing supporting documentation or a clear methodology used in their investigation. Additionally, my updated Equifax credit report from XX/XX/XXXX shows that no changes were made, proving their failure to act.","date_sent_to_company":"2025-02-04T19:03:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"11928740","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-04T18:58:21.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Complainant : <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX : <em>XXXX</em> Subject : Formal <em>Complaint</em> Against Equifax for Non-Compliance with FCRA and CFPB <em>XXXX</em> <em>XXXX</em> Dear Consumer Financial Protection Bureau <em>XXXX</em> I am <em>filing</em> this formal <em>complaint</em> against Equifax Information Services LLC for their failure to conduct a proper <em>investigation</em> <em>regarding</em> disputed items on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) and <em>XXXX</em> <em>XXXX</em> reporting standards."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.105087,"11928740"]},{"_index":"complaint-public-v1","_id":"19028406","_score":17.090147,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint regarding a denied unauthorized transaction dispute with Chime. I reported a {$77.00} transaction as unauthorized on XX/XX/year> ( Claim ID : XXXX, account ending in XXXX ). This transaction was not made by me and was conducted by an unknown stranger. After completing its investigation, Chime stated that no billing error occurred and reversed the provisional credit, adding the charge back to my account.","date_sent_to_company":"2026-03-16T15:11:00.000Z","issue":"Lost or stolen money order","sub_product":"Money order, traveler's check or cashier's check","zip_code":"43223","tags":null,"has_narrative":true,"complaint_id":"19028406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-01-27T05:40:19.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am <em>filing</em> a <em>complaint</em> <em>regarding</em> a denied unauthorized transaction dispute with Chime. I reported a {$77.00} transaction as unauthorized on XX/XX/year> ( Claim ID : <em>XXXX</em>, <em>account</em> <em>ending</em> in <em>XXXX</em> ). This transaction was not made by me and was conducted by an unknown stranger. After completing its <em>investigation</em>, Chime stated that no billing error occurred and reversed the provisional credit, adding the charge back to my <em>account</em>."]},"sort":[17.090147,"19028406"]},{"_index":"complaint-public-v1","_id":"12440302","_score":16.910221,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.\n\nDespite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. \n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. \nThese are the accounts and items that I have found to be inaccurate. \n\nXXXXXXXX XXXX XXXX credit account ending in XXXX reporting 30, 60 & 90 days late - Inaccurate XXXX XXXX XXXX XXXXedit account ending in XXXX reporting 30, 60 & 90 days late - Inaccurate XXXX XXXX XXXX credit account ending in XXXX reporting 30 days late - inaccurate XXXX XXXX XXXX credit account ending in XXXX reporting 30, 60 & 90 days late - inaccurate XXXX XXXX XXXX account ending in XXXX reporting 30 & 60 days late - innacurate XXXX XXXX XXXX account ending in XXXX reporting 30, 60, & 90 days late - inaccurate XXXX XXXXXXXX XXXX account ending in XXXX reporting 30 & 60 days late - inaacurate XXXX XXXX credit account ending in XXXX reporting 30 & 60 days late inaccurate XXXX XXXX XXXXredit account XXXX XXXX XXXX reporting 30, 60 & 90 days late - inaccurate","date_sent_to_company":"2025-03-12T06:48:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77494","tags":null,"has_narrative":true,"complaint_id":"12440302","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-12T06:22:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a <em>complaint</em> against Equifax for failing to properly <em>investigate</em> my disputes <em>regarding</em> inaccuracies in my credit report.\n\nDespite my submissions, Equifax consistently responds within 24 hours stating the <em>account</em> is accurate, without providing any evidence of a thorough <em>investigation</em>.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.910221,"12440302"]},{"_index":"complaint-public-v1","_id":"18353570","_score":16.79605,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding inaccurate and questionable information being reported by TransUnion. I am requesting CFPB oversight to ensure TransUnion complies with the Fair Credit Reporting Act and corrects or removes any unverifiable items. \n\nXXXX. Inquiries in Dispute XXXX, Dated XX/XX/scrub>XXXX XXXXXXXX, Dated XX/XX/scrub>XXXX XXXXXXXX, Dated XX/XX/scrub>XXXX  I do not recall authorizing these inquiries. Please investigate their source and remove any that can not be confirmed as permissible under FCRA 604. \n\nXXXX. Late Payments in Dispute XXXX XXXX, Account ending XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Account ending XXXX XXXX XXXX XXXX, Account ending XXXX XXXX XXXX Please verify the accuracy of the reported delinquencies and update or delete any that can not be validated by the original creditor. \n\nXXXX. Previous Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX This address is outdated and not associated with my current accounts. Please remove it from my TransUnion credit file.","date_sent_to_company":"2025-12-29T22:10:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"142XX","tags":null,"has_narrative":true,"complaint_id":"18353570","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-29T21:59:56.000Z","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":["Please <em>investigate</em> their source and remove any that can not be confirmed as permissible under FCRA 604. \n\n<em>XXXX</em>. Late Payments in Dispute <em>XXXX</em> <em>XXXX</em>, <em>Account</em> <em>ending</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em>, <em>Account</em> <em>ending</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>Account</em> <em>ending</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Please verify the accuracy of the reported delinquencies and update or delete any that can not be validated by the original creditor. \n\n<em>XXXX</em>."]},"sort":[16.79605,"18353570"]},{"_index":"complaint-public-v1","_id":"13198875","_score":16.717577,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a follow-up complaint regarding TransUnions mishandling of my original CFPB complaint ( Case # XXXX, filed XX/XX/year> ). \n\nI disputed late payments reported on the following accounts : XXXXXXXX XXXX XXXX ( Account ending XXXX ) XXXX XXXX XXXX ( Account ending XXXXXXXX XXXX XXXX XXXX Account ending XXXX ) I requested full validation, including proof of the late payments, method of verification ( MOV ), and identification of the verifying party.\n\nTransUnion closed my original complaint by updating or verifying as reported without producing any supporting documentation, billing records, or MOV disclosures. \n\nThis violates : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) : Failure of furnishers to properly investigate I am demanding the immediate deletion of the disputed late payments, or full disclosure of the verification evidence.\n\nIf not corrected, I intend to pursue claims for willful and negligent noncompliance under FCRA 1681n and 1681o.","date_sent_to_company":"2025-04-26T19:29:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"79407","tags":null,"has_narrative":true,"complaint_id":"13198875","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-26T19:26:04.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is a follow-up <em>complaint</em> <em>regarding</em> TransUnions mishandling of my original CFPB <em>complaint</em> ( Case # <em>XXXX</em>, <em>filed</em> XX/XX/year> ). \n\nI disputed late payments reported on the following <em>accounts</em> : XXXXXXXX <em>XXXX</em> <em>XXXX</em> ( <em>Account</em> <em>ending</em> <em>XXXX</em> ) <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>Account</em> <em>ending</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Account</em> <em>ending</em> <em>XXXX</em> ) I requested full validation, including proof of the late payments, method of verification ( MOV ), and identification of the verifying party."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.717577,"13198875"]},{"_index":"complaint-public-v1","_id":"11284891","_score":16.580105,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint regarding a credit reporting issue involving Capital One. I am concerned about the handling of four accounts that were written off by Capital One, yet I have not received the appropriate documentation reflecting this.\n\nThe accounts in question are as follows ( last four digits provided for identification ) : - Account ending in XXXX - Account ending in XXXX - Account ending in XXXX - Account ending in XXXX Despite these accounts being written off, Capital One has failed to issue me a 1099-C form for each account, as required for accurate tax reporting and compliance with federal regulations. Additionally, the accounts have been reported only as \" closed '' on my credit report, which does not accurately reflect the nature of the write-off.\n\nI believe this misreporting could negatively impact my credit and tax obligations, and I am requesting a full investigation into this matter. I would like Capital One to : 1. Issue the necessary 1099-C forms for each of the accounts listed.\n\n2. Update the credit reporting to reflect the accounts accurately.\n\n3. Provide confirmation of these actions in writing.\n\nI trust that the Consumer Financial Protection Bureau will take the necessary steps to investigate and ensure that Capital One complies with applicable laws and reporting requirements.Thank you for your attention to this matter. Please feel free to contact me if you require any further information or documentation to assist with your investigation.","date_sent_to_company":"2024-12-27T00:56:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11236","tags":null,"has_narrative":true,"complaint_id":"11284891","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-12-27T00:32:42.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally <em>file</em> a <em>complaint</em> <em>regarding</em> a credit reporting issue involving Capital One. I am concerned about the handling of four <em>accounts</em> that were written off by Capital One, yet I have not received the appropriate documentation reflecting this."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.580105,"11284891"]},{"_index":"complaint-public-v1","_id":"17752686","_score":16.577276,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding several fraudulent accounts that have been reported on my credit reports without my knowledge or authorization. I am a victim of identity theft, and these accounts do not belong to me. I have never opened or authorized any of these accounts, and I am requesting a thorough investigation and removal from my credit file.\n\nHere are the accounts that are not mine : XXXX XXXX XXXX - Account ending in XXXX Reported Balance : {$160.00} Status : In collections I never opened or authorized this account. \nXXXX XXXX XXXX - Account ending in XXXX Reported Balance : {$810.00} Status : In collections This account was fraudulently opened and is not mine. \nXXXX XXXX - Account ending in XXXX Reported Balance : {$1300.00} Status : In collections I did not open any XXXX XXXX account under this number. \nXXXX XXXX - Account ending in XXXX Reported Balance : {$370.00} Status : In collections I have never had utility services with this company. \nXXXX Credit Card - Account ending in XXXX Reported Balance : {$780.00} Status : In collections I did not open this credit card account.\n\nThese accounts have negatively impacted my credit report and are causing me severe stress and hardship. I have already contacted the credit bureaus and informed them of the identity theft, but these accounts are still showing.\n\nI am requesting the CFPB to help me get these fraudulent accounts investigated and permanently removed from my credit reports. I can provide an identity theft affidavit, police report, or any additional documentation needed upon request.","date_sent_to_company":"2025-12-04T15:45:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32218","tags":null,"has_narrative":true,"complaint_id":"17752686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-04T15:44:59.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to <em>file</em> a formal <em>complaint</em> <em>regarding</em> several fraudulent <em>accounts</em> that have been reported on my credit reports without my knowledge or authorization. I am a victim of identity theft, and these <em>accounts</em> do not belong to me. I have never opened or authorized any of these <em>accounts</em>, and I am requesting a thorough <em>investigation</em> and removal from my credit <em>file</em>."]},"sort":[16.577276,"17752686"]},{"_index":"complaint-public-v1","_id":"17691900","_score":16.577276,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding several fraudulent accounts that have been reported on my credit reports without my knowledge or authorization. I am a victim of identity theft, and these accounts do not belong to me. I have never opened or authorized any of these accounts, and I am requesting a thorough investigation and removal from my credit file.\n\nHere are the accounts that are not mine : XXXX XXXX XXXX - Account ending in XXXX Reported Balance : {$160.00} Status : In collections I never opened or authorized this account. \nXXXX XXXX XXXX - Account ending in XXXX Reported Balance : {$810.00} Status : In collections This account was fraudulently opened and is not mine. \nXXXX XXXX - Account ending in XXXX Reported Balance : {$1300.00} Status : In collections I did not open any XXXX XXXX account under this number. \nXXXX XXXX - Account ending in XXXX Reported Balance : {$370.00} Status : In collections I have never had utility services with this company. \nXXXX Credit Card - Account ending in XXXX Reported Balance : {$780.00} Status : In collections I did not open this credit card account.\n\nThese accounts have negatively impacted my credit report and are causing me severe stress and hardship. I have already contacted the credit bureaus and informed them of the identity theft, but these accounts are still showing.\n\nI am requesting the CFPB to help me get these fraudulent accounts investigated and permanently removed from my credit reports. I can provide an identity theft affidavit, police report, or any additional documentation needed upon request.","date_sent_to_company":"2025-12-04T15:45:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32218","tags":null,"has_narrative":true,"complaint_id":"17691900","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-04T15:44:59.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to <em>file</em> a formal <em>complaint</em> <em>regarding</em> several fraudulent <em>accounts</em> that have been reported on my credit reports without my knowledge or authorization. I am a victim of identity theft, and these <em>accounts</em> do not belong to me. I have never opened or authorized any of these <em>accounts</em>, and I am requesting a thorough <em>investigation</em> and removal from my credit <em>file</em>."]},"sort":[16.577276,"17691900"]},{"_index":"complaint-public-v1","_id":"10858259","_score":16.566181,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding inaccurate reporting by all three credit bureausXXXX, Experian, and XXXX multiple accounts. The issues include : 1. Incorrect reporting of account opening dates.\n\n2. Inaccurate reporting of late and on-time payment history.\n\n3. Inconsistent information across credit bureaus for the same accounts.\n\nThe accounts affected are : XXXX XXXX  ( Account ending in XXXX, {$1700.00} ) XXXX XXXX  ( Account ending in XXXX, {$0.00} ) XXXX XXXX XXXX XXXX XXXX Account ending in XXXX, {$2000.00} ) XXXX ( Account ending in XXXX, {$2200.00} ) XXXX XXXXXXXX ( Account ending in XXXX XXXX {$0.00} ) XXXX These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum accuracy, and 15 U.S.C. 1681i ( a ), which obligates credit bureaus to investigate and correct disputes. The failure to resolve these errors within the 30-day period mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) demonstrates noncompliance.","date_sent_to_company":"2024-11-20T17:16:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33634","tags":null,"has_narrative":true,"complaint_id":"10858259","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-20T17:11:45.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a <em>complaint</em> <em>regarding</em> inaccurate reporting by all three credit bureaus<em>XXXX</em>, Experian, and <em>XXXX</em> multiple <em>accounts</em>. The issues include : 1. Incorrect reporting of <em>account</em> opening dates.\n\n2. Inaccurate reporting of late and on-time payment history.\n\n3. Inconsistent information across credit bureaus for the same <em>accounts</em>."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.566181,"10858259"]},{"_index":"complaint-public-v1","_id":"17304718","_score":16.555805,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Soc : XXXX Phone : XXXX XX/XX/XXXX XXXX. CFPB Complaint Charge-off Complaint Statement : I am filing a complaint against Ally Financial regarding an inaccurate charge-off reporting on my credit file. \nThe account ending in XXXX was reported as a charge-off in XX/XX/XXXX, but this is incorrect because the balance was paid by insurance. Ally Financial has failed to update the status to reflect the correct balance and resolution of the account. \nI disputed this directly with the company, but they have not corrected the inaccurate reporting. I am requesting that the CFPB require Ally Financial to complete a full investigation and update all credit reports to accurately reflect that the account was paid and should not be reported as an active charge-off XXXX. CFPB Complaint Unpaid Collection I am filing a complaint regarding an inaccurate collection account reported by Credit Collection Services on Behalf XXXX. \nThe collection shows a balance of {$190.00} appearing on my report around XX/XX/XXXX but the reporting is inaccurate. The information being reported does not match the actual account details, and I have not received proper validation from the company. I attempted to dispute the information directly but XXXX XXXX XXXX did not correct the inaccurate reporting. I am requesting the CFPB require the company to provide full validation of the debt including original charges and proof it is mine. If the company can not provide proper documentation. I am requesting removal of the account from all three XXXX XXXX XXXX XXXX. CFPB Complaint Incorrect Late Payments ( XXXX XXXX XXXX ) I am filing a complaint against XXXX XXXX XXXX regarding inaccurate late payment reporting. The account ending XXXX is being reported as 30 days late for XX/XX/XXXX and XX/XX/XXXX, but this is incorrect XXXX added a {$15.00} late fee and misapplied my payment, causing their system to show the payment as late even though I made a regular payment. I disputed this directly with the company, but they failed to correct the inaccurate late payment reporting. I am requesting the CFPB require XXXX XXXX XXXX to investigate, correct the misapplied payment, remove the inaccurate late payment marks, and update all credit reports accordingly.","date_sent_to_company":"2025-11-17T16:59:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75126","tags":null,"has_narrative":true,"complaint_id":"17304718","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-11-17T16:09:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, TX <em>XXXX</em> Soc : <em>XXXX</em> Phone : <em>XXXX</em> XX/XX/<em>XXXX</em> <em>XXXX</em>. CFPB <em>Complaint</em> Charge-off <em>Complaint</em> Statement : I am <em>filing</em> a <em>complaint</em> against Ally Financial <em>regarding</em> an inaccurate charge-off reporting on my credit <em>file</em>. \nThe <em>account</em> <em>ending</em> in <em>XXXX</em> was reported as a charge-off in XX/XX/<em>XXXX</em>, but this is incorrect because the balance was paid by insurance. Ally Financial has failed to update the status to reflect the correct balance and resolution of the <em>account</em>."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.555805,"17304718"]},{"_index":"complaint-public-v1","_id":"17303834","_score":16.55005,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Soc : XXXX Phone : XXXX XX/XX/XXXX XXXX. CFPB Complaint Charge-off Complaint Statement : I am filing a complaint against Ally Financial regarding an inaccurate charge-off reporting on my credit file. \nThe account ending in XXXX was reported as a charge-off in XX/XX/XXXX, but this is incorrect because the balance was paid by insurance. XXXX XXXX has failed to update the status to reflect the correct balance and resolution of the account. \nI disputed this directly with the company, but they have not corrected the inaccurate reporting. I am requesting that the CFPB require XXXX XXXX to complete a full investigation and update all credit reports to accurately reflect that the account was paid and should not be reported as an active charge-off XXXX. CFPB Complaint Unpaid Collection I am filing a complaint regarding an inaccurate collection account reported by Credit Collection Services XXXX XXXX XXXX. \nThe collection shows a balance of {$190.00} appearing on my report around XX/XX/XXXX but the reporting is inaccurate. The information being reported does not match the actual account details, and I have not received proper validation from the company. I attempted to dispute the information directly but Credit Collection Services did not correct the inaccurate reporting. I am requesting the CFPB require the company to provide full validation of the debt including original charges and proof it is mine. If the company can not provide proper documentation. I am requesting removal of the account from all three credit reporting agency 3. CFPB Complaint Incorrect Late Payments ( XXXX XXXX XXXX ) I am filing a complaint against XXXX XXXX XXXX regarding inaccurate late payment reporting. The account ending XXXX is being reported as 30 days late for XX/XX/XXXX and XX/XX/XXXX, but this is incorrect XXXX added a {$15.00} late fee and misapplied my payment, causing their system to show the payment as late even though I made a regular payment. I disputed this directly with the company, but they failed to correct the inaccurate late payment reporting. I am requesting the CFPB require XXXX XXXX XXXX to investigate, correct the misapplied payment, remove the inaccurate late payment marks, and update all credit reports accordingly.","date_sent_to_company":"2025-11-17T16:59:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75126","tags":null,"has_narrative":true,"complaint_id":"17303834","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2025-11-17T16:59:11.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, TX <em>XXXX</em> Soc : <em>XXXX</em> Phone : <em>XXXX</em> XX/XX/<em>XXXX</em> <em>XXXX</em>. CFPB <em>Complaint</em> Charge-off <em>Complaint</em> Statement : I am <em>filing</em> a <em>complaint</em> against Ally Financial <em>regarding</em> an inaccurate charge-off reporting on my credit <em>file</em>. \nThe <em>account</em> <em>ending</em> in <em>XXXX</em> was reported as a charge-off in XX/XX/<em>XXXX</em>, but this is incorrect because the balance was paid by insurance. <em>XXXX</em> <em>XXXX</em> has failed to update the status to reflect the correct balance and resolution of the <em>account</em>."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.55005,"17303834"]},{"_index":"complaint-public-v1","_id":"17692171","_score":16.52639,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding several fraudulent accounts that have been reported on my credit reports without my knowledge or authorization. I am a victim of identity theft, and these accounts do not belong to me. I have never opened or authorized any of these accounts, and I am requesting a thorough investigation and removal from my credit file.\n\nHere are the accounts that are not mine : XXXX XXXX XXXX - Account ending in XXXX Reported Balance : {$160.00} Status : In collections I never opened or authorized this account. \nXXXX XXXX XXXX - Account ending in XXXX Reported Balance : {$810.00} Status : In collections This account was fraudulently opened and is not mine. \nXXXX XXXX - Account ending in XXXX Reported Balance : {$1300.00} Status : In collections I did not open any XXXX XXXX account under this number. \nXXXX XXXX - Account ending in XXXX Reported Balance : {$370.00} Status : In collections I have never had utility services with this company. \nXXXX Credit Card - Account ending in XXXX Reported Balance : {$780.00} Status : In collections I did not open this credit card account.\n\nThese accounts have negatively impacted my credit report and are causing me severe stress and hardship. I have already contacted the credit bureaus and informed them of the identity theft, but these accounts are still showing.\n\nI am requesting the CFPB to help me get these fraudulent accounts investigated and permanently removed from my credit reports. I can provide an identity theft affidavit, police report, or any additional documentation needed upon request.","date_sent_to_company":"2025-12-04T15:45:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32218","tags":null,"has_narrative":true,"complaint_id":"17692171","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-04T15:21:49.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to <em>file</em> a formal <em>complaint</em> <em>regarding</em> several fraudulent <em>accounts</em> that have been reported on my credit reports without my knowledge or authorization. I am a victim of identity theft, and these <em>accounts</em> do not belong to me. I have never opened or authorized any of these <em>accounts</em>, and I am requesting a thorough <em>investigation</em> and removal from my credit <em>file</em>."]},"sort":[16.52639,"17692171"]},{"_index":"complaint-public-v1","_id":"16733860","_score":16.482325,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Follow-Up Complaint TransUnion Refusal to Investigate Fraudulent Accounts ( FCRA Violations ) To Whom It May Concern : I am submitting this follow-up complaint to request the CFPBs continued assistance regarding my prior case ( CFPB Complaint # XXXX ) against TransUnion LLC. \n\nDespite my original filing on XX/XX/year> and the supporting documentation providedincluding my government-issued ID, proof of address, and a signed identity-theft statement compliant with FCRA Section 605C [ 15 U.S.C. 1681c-2 ] TransUnion has refused to process my dispute or block the fraudulent accounts listed below. \n\nTransUnion closed my prior complaint stating that the request did not come from me, which is inaccurate. All correspondence was submitted directly by me through the CFPBs secure portal, and I provided verifiable identifying documentation. This failure constitutes a violation of both FCRA 605C ( blocking identity-theft information ) and FCRA 611 [ 15 U.S.C. 1681i ] ( reasonable reinvestigation of disputed information ). \n\n\n\nFraudulent Accounts Remaining on File XXXX XXXX Acct ending XXXX XXXX XXXX Acct ending XXXX XXXX XXXX Acct ending XXXX XXXX XXXX Acct ending XXXX XXXX XXXX XXXX Acct ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct ending XXXXXXXX XXXX XXXX XXXX Acct ending XXXX Requested CFPB Actions 1. Investigate TransUnions refusal to process my properly submitted identity-theft dispute. \n2. Ensure compliance with FCRA 605C, requiring deletion or blocking of the above accounts within four ( 4 ) business days after receiving my dispute.\n\n3. Direct TransUnion to provide written confirmation once the fraudulent accounts are permanently removed. \nXXXX. Determine whether TransUnions conduct constitutes non-compliance with federal consumer-protection obligations. \n\n\n\nAttachments Included Original CFPB complaint and TransUnion response Police report and FTC Identity-Theft Report Government ID and proof of address Identity-theft statement ( FCRA XXXX certification ) TransUnion refusal notice I am resubmitting these materials for CFPBs review and enforcement. I respectfully request confirmation that this complaint has been escalated for regulatory action, as TransUnions refusal to investigate and block these fraudulent accounts directly violates my rights under the FCRA. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-10-21T23:25:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34476","tags":null,"has_narrative":true,"complaint_id":"16733860","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-21T23:11:26.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Fraudulent <em>Accounts</em> Remaining on <em>File</em> <em>XXXX</em> <em>XXXX</em> Acct <em>ending</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Acct <em>ending</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Acct <em>ending</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Acct <em>ending</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Acct <em>ending</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Acct <em>ending</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Acct <em>ending</em> <em>XXXX</em> Requested CFPB Actions 1. <em>Investigate</em> TransUnions refusal to process my properly submitted identity-theft dispute. \n2."]},"sort":[16.482325,"16733860"]},{"_index":"complaint-public-v1","_id":"23123747","_score":16.479841,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint on my own and no third party is involved. \n\nAfter reviewing my credit reports from TransUnion, Experian, and Equifax, I discovered multiple inaccuracies, unverifiable accounts, and incorrect personal information being reported. The information reported across the XXXX credit bureaus is inconsistent and raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ), which requires maximum possible accuracy of information furnished to consumer reporting agencies. \n\nI am requesting a thorough investigation and correction or deletion of the following items : * * Incorrect Personal Information * * * Previous Address : XXXX XXXX XXXX XXXX, XXXX, IN XXXXXXXX XXXX Previous Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX Employer : XXXXXXXX XXXX Employer : XXXX XXXX  These addresses and employment records are inaccurate and should be removed from my consumer file. \n\n* * Accounts Requiring Validation and Investigation * * I am requesting validation of the following accounts. If the furnishers can not provide competent evidence that these accounts belong to me and are being reported accurately, they should be deleted from my credit reports : * Unidentified Account ( No account number provided ) * Unidentified Account ( No account number provided ) * Unidentified Account ( No account number provided ) * * Collection Accounts Reported Without Proper Verification * * I dispute the reporting of the following collection accounts. I have concerns regarding the transfer, sale, and reporting of these accounts and request that the furnishers provide complete documentation demonstrating their legal authority to collect and report the debts, including proof of assignment, chain of ownership, and account-level documentation. If such documentation can not be provided, the accounts should be removed : XXXX XXXXXXXX XXXX XXXX Account ending in XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX  Account ending in XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account ending in XXXXXXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXXXXXX XXXX Account ending in XXXXXXXX XXXX XXXX Charge-Off Account Reporting Inaccuracy * * I dispute the balance and reporting accuracy of the following charge-off account : XXXX XXXXXXXX XXXX XXXX Account ending in XXXX The balance being reported appears inaccurate. Under the FCRA, information reported to consumer reporting agencies must be complete and accurate. I request that this account be investigated and removed if the furnisher can not verify the reported information. \n\nI request that the credit reporting agencies and furnishers conduct a reasonable investigation of all disputed items and either provide documentation supporting the accuracy of the information or delete the items from my credit reports. Please provide me with the results of your investigation, including any documentation relied upon in verifying these accounts and personal information.","date_sent_to_company":"2026-06-11T19:17:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"68521","tags":null,"has_narrative":true,"complaint_id":"23123747","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-06-11T19:17:12.000Z","state":"NE","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":["If such documentation can not be provided, the <em>accounts</em> should be removed : <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>Account</em> <em>ending</em> in <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>Account</em> <em>ending</em> in <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>Account</em> <em>ending</em> in XXXXXXXX <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>Account</em> <em>ending</em> in XXXXXXXX <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>Account</em> <em>ending</em> in XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>Account</em> <em>ending</em> in XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>Account</em> <em>ending</em> in XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Account</em> <em>ending</em> in XXXXXXXX <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>Account</em> <em>ending</em> in"]},"sort":[16.479841,"23123747"]},{"_index":"complaint-public-v1","_id":"6342668","_score":16.425335,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a complaint against Navy Federal Credit Union, concerning a fraud claim for card num ending in # XXXX of {$190.00}. \n\nNavy Federals investigation determined an agreement that an error occurred as I asserted and that a provisional credit was applied that was not applied temporarily while they await information from the merchant that supports the validity of the disputed charges. \n\nIt clearly states in the provided letter that : if the merchant does not provide information within 45 days from the date of the letter, their determination that the error occurred as I asserted will be final and the provisional credit that I did not receive would become permanent. \n\nIt has been well off past 45 days and Navy Federal has failed to communicate and refund the money back to my account regarding my claim. The merchant has not sent any information within the timeframe stated in the certified letter within this claim ( See Attachments ). Navy Federal states that when their investigation was completed I would be notified of a determination stating whether the provisional credit that I did not receive during their investigation was removed or permanent. \n\nRESOLUTION : Therefore, I am filing a complaint with an expectation of authorization action to be taking place for the return of my funds to be expedited back to my new credit card account ending in # XXXX. \n\nI am also a victim of disable discrimination with a XXXX XXXX  and demand a resolution for those of disabilities to be advocated for under the American of Disability Act to be able to use their reasonable accommodations regarding and claims and consult with a customer service provider as a Private ClienXXXX base on their disability needs. \n\n\nRespectfully Submitted, XXXX XXXX XXXX","date_sent_to_company":"2022-12-20T22:49:13.000Z","issue":"Fraud or scam","sub_product":"Debt settlement","zip_code":"75034","tags":"Servicemember","has_narrative":true,"complaint_id":"6342668","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2022-12-20T22:43:15.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["RESOLUTION : Therefore, I am <em>filing</em> a <em>complaint</em> with an expectation of authorization action to be taking place for the return of my funds to be expedited back to my new credit card <em>account</em> <em>ending</em> in # <em>XXXX</em>."]},"sort":[16.425335,"6342668"]},{"_index":"complaint-public-v1","_id":"12880288","_score":16.41211,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against equifax for failing to f ] properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate and verified without providing any evidence of a thorough investigation. This is against the practice that violates the fair credit reporting act ( FCRA ), 15. U. S .C 1681i, which mandates a reasonable investigation of disputes. SO therefore, Equifax 's actions may also contravene the consumer financial protection act ( CFRA ), 12 U.S.C. 5536 ( A ) -- ( B ) as highlighted in the CFPB 's recent administrative proceedings ( file no. XXXX ) against them for similar violations. I request that the CFPB take actions to ensure EqUifax complies with federal law and provides consumers with the necessary proof of investigation. \n\nthese are the accounts that i have marked inaccurate XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX : acounting ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-04-09T00:28:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94541","tags":null,"has_narrative":true,"complaint_id":"12880288","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-09T00:06:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["these are the <em>accounts</em> that i have marked inaccurate <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>account</em> <em>ending</em> in <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : acounting <em>ending</em> in <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.41211,"12880288"]},{"_index":"complaint-public-v1","_id":"15338641","_score":16.375483,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding Inaccurate Credit Reporting by Equifax ( SSN Ending XXXX ) Details of the Complaint : I am submitting this complaint because Equifax is furnishing inaccurate information to the credit reporting agencies regarding my credit profile ( SSN ending in XXXX ). The information being reported is factually incorrect and damaging to my credit profile. \nSpecifically : - The account ( s ) associated with my credit file are being reported with inaccurate, unverifiable, or incomplete information. \n- This information is not verifiable, not accurate, and not complete as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. \n- I have already disputed this information with the credit reporting agencies, yet Equifax continues to verify and report inaccurately. \nImpact on Me : This false reporting has caused significant harm, including but not limited to : - Denials of credit and financial opportunities. \n- Increased interest rates on loans and credit products. \n- XXXX XXXX and damage to my reputation. \nLegal Basis : Under the FCRA, furnishers and consumer reporting agencies have a legal duty to ensure that information provided is accurate and complete ( 607 ( b ) ). They also must reasonably investigate disputes ( 611 ) and correct or delete information that can not be verified. Resolution Sought : I respectfully request that the CFPB investigate this ma\ntter and require Equifax to : 1. Conduct a full and proper investigation into my credit file.\n\n2. Cease furnishing inaccurate information to the credit reporting agencies.\n\n3. Delete or correct the inaccurate data so that my file reflects only accurate and verifiable information.","date_sent_to_company":"2025-08-17T12:38:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"12304","tags":null,"has_narrative":true,"complaint_id":"15338641","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-17T12:19:46.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : <em>Complaint</em> <em>Regarding</em> Inaccurate Credit Reporting by Equifax ( SSN <em>Ending</em> <em>XXXX</em> ) Details of the <em>Complaint</em> : I am submitting this <em>complaint</em> because Equifax is furnishing inaccurate information to the credit reporting agencies <em>regarding</em> my credit profile ( SSN <em>ending</em> in <em>XXXX</em> ). The information being reported is factually incorrect and damaging to my credit profile."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.375483,"15338641"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2108,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2108}]}},"product":{"doc_count":2108,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":970,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":964},{"key":"Other personal consumer report","doc_count":6}]}},{"key":"Checking or savings account","doc_count":306,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":265},{"key":"Savings account","doc_count":19},{"key":"Other banking product 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