{"took":114,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":406,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11710923","_score":17.74045,"_source":{"product":"Debt or credit management","complaint_what_happened":"I am writing to file a complaint regarding XXXX XXXX XXXX involvement in a class action lawsuit. I have concerns about the practices and conduct of the company in relation to the services they provide. Specifically, I believe there may be misleading, deceptive, or otherwise unfair business practices at play that warrant investigation.\n\nI am aware of the ongoing class action lawsuit, and I am concerned that XXXX XXXX has failed to provide the appropriate services promised or has engaged in practices that may be in violation of consumer protection laws. My personal experience with Lexington Law has been [ briefly describe your experience, e.g., poor service, unresolved issues, misleading communication, financial losses, etc. ]. \n\nI respectfully request that the CFPB investigate XXXX XXXX XXXX practices in connection with this class action lawsuit to ensure that they are in compliance with consumer protection regulations and that they are held accountable for any potentially unlawful actions. \n\nThank you for your attention to this matter. I look forward to your response and any assistance you can provide in resolving this issue.","date_sent_to_company":"2025-01-24T01:32:14.000Z","issue":"Charged upfront or unexpected fees","sub_product":"Credit repair services","zip_code":"55404","tags":null,"has_narrative":true,"complaint_id":"11710923","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"John C. Heath, Attorney at Law, PLLC","date_received":"2025-01-24T01:18:13.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am aware of the ongoing class action <em>lawsuit</em>, and I am <em>concerned</em> that <em>XXXX</em> <em>XXXX</em> has <em>failed</em> to <em>provide</em> the appropriate services promised or has engaged in practices that may be in violation of consumer protection laws. My personal experience with Lexington Law has been [ briefly describe your experience, e.g., poor service, unresolved issues, misleading communication, financial losses, etc. ]."]},"sort":[17.74045,"11710923"]},{"_index":"complaint-public-v1","_id":"11532162","_score":15.909526,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to file a complaint regarding issues Ive encountered with Zelle, the peer-to-peer payment service, and the ongoing lawsuit involving unauthorized transactions or fraudulent activities. \n\nI have experienced unauthorized transactions, money being sent without my permission, or lack of resolution from Zelle or the bank involved. Despite attempting to resolve this issue by contacting both Zelles support team and my bank, XXXX XXXX  and XXXX XXXX XXXX XXXX, I have not received a satisfactory resolution. \n\nZelle has failed to provide adequate protection against fraud or unauthorized transactions, or the company has not responded promptly to my complaints. I am concerned that Zelle does not adequately safeguard users from such risks, and I seek assistance in resolving this matter.","date_sent_to_company":"2025-01-16T10:19:01.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"90713","tags":null,"has_narrative":true,"complaint_id":"11532162","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-16T10:01:25.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Despite attempting to resolve this issue by contacting both Zelles support team and my bank, <em>XXXX</em> <em>XXXX</em>  and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, I have not received a satisfactory resolution. \n\nZelle has <em>failed</em> to <em>provide</em> adequate protection against fraud or unauthorized transactions, or the company has not responded promptly to my complaints. I am <em>concerned</em> that Zelle does not adequately safeguard users from such risks, and I seek assistance in resolving this matter."]},"sort":[15.909526,"11532162"]},{"_index":"complaint-public-v1","_id":"19036203","_score":15.6896,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this complaint against a debt collection company that has initiated a lawsuit against me in Texas without providing proper debt validation, including the purchase agreement or any documentation proving their legal right to collect or sue on the alleged debt. \n\n\n\nOn or about XX/XX/year>, I submitted a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In my request, I specifically asked for documentation showing : A copy of the purchase agreement or assignment demonstrating lawful transfer of the debt to them To date, the collection company has failed to provide the requested validation. They have not produced a purchase agreement, bill of sale, assignment, or any other admissible proof showing that they legally purchased or own the alleged debt or have standing to bring a lawsuit. \n\n\n\nDespite failing to validate the debt, the company has continued collection activity by pursuing a lawsuit against me. Filing or continuing a lawsuit without first validating the debt constitutes collection activity and appears to violate the FDCPA. As a Texas consumer, I am also concerned that this conduct violates Texas debt collection laws, which prohibit deceptive, unfair, or misleading practices. \n\n\n\nI am requesting that the CFPB : Investigate this debt collection companys conduct Require the company to provide proper debt validation, including the purchase agreement or chain of title Take appropriate action to stop or address the lawsuit until lawful proof and verification are provided I have acted in good faith to assert my consumer rights, yet the collection company has ignored my lawful request and proceeded with legal action without evidence of ownership or accuracy of the alleged debt. \n\n\n\nThank you for your assistance in this matter. I am prepared to provide copies of my validation request and any related correspondence upon request. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-27T15:00:40.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"19036203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-01-27T14:50:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["I am prepared to <em>provide</em> copies of my validation request and any related correspondence upon request. \n\n\n\nSincerely, <em>XXXX</em> <em>XXXX</em>"]},"sort":[15.6896,"19036203"]},{"_index":"complaint-public-v1","_id":"11629570","_score":15.679292,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because I believe Equifax failed to properly investigate disputes I raised regarding inaccuracies on my credit report. Specifically, I disputed two charge-offs reported by XXXX XXXX XXXX  XXXX and I do not believe these disputes were handled in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nI am aware that the CFPB recently filed a lawsuit against XXXX for allegedly failing to investigate disputes properly and not ensuring the accuracy of reported information. My experience seems to align with these allegations. When I submitted my dispute, XXXX quickly responded that the reporting was valid, but I am concerned that they did not conduct a thorough investigation. XXXX did not provide sufficient evidence to validate the accuracy of the charge-offs and failed to demonstrate compliance with its obligation to investigate disputes adequately. \n\nThis lack of compliance with the FCRA continues to harm my credit report and financial well-being. The unresolved charge-offs remain on my report, even though I raised valid concerns regarding their accuracy and requested verification. \n\nI request that the CFPB investigate I am submitting this complaint because I believe XXXX failed to properly investigate disputes I raised regarding inaccuracies on my credit report. Specifically, I disputed two charge-offs reported by XXXX XXXX XXXX XXXX and I do not believe these disputes were handled in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nI am aware that the CFPB recently filed a lawsuit against XXXX for allegedly failing to investigate disputes properly and not ensuring the accuracy of reported information. My experience seems to align with these allegations. When I submitted my dispute, XXXX quickly responded that the reporting was valid, but I am concerned that they did not conduct a thorough investigation. XXXX did not provide sufficient evidence to validate the accuracy of the charge-offs and failed to demonstrate compliance with its obligation to investigate disputes adequately. \n\nThis lack of compliance with the FCRA continues to harm my credit report and financial well-being. The unresolved charge-offs remain on my report, even though I raised valid concerns regarding their accuracy and requested verification. \n\nI request that the CFPB investigate Equifax to ensure it is following the law and conducting proper investigations of consumer disputes. I also request that Equifax be required to provide proper documentation to validate the reported charge-offs or remove them if they can not be substantiated. \n\nThank you for your attention to this matter. To ensure it is following the law and conducting proper investigations of consumer disputes. I also request that XXXX be required to provide proper documentation to validate the reported charge-offs or remove them if they can not be substantiated. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-01-19T03:57:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"11629570","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-19T03:39:41.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am aware that the CFPB recently filed a <em>lawsuit</em> against <em>XXXX</em> for allegedly failing to investigate disputes properly and not ensuring the accuracy of reported information. My experience seems to align with these allegations. When I submitted my dispute, <em>XXXX</em> quickly responded that the reporting was valid, but I am <em>concerned</em> that they did not conduct a thorough investigation."]},"sort":[15.679292,"11629570"]},{"_index":"complaint-public-v1","_id":"19035809","_score":15.664547,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this complaint against a debt collection company that has initiated a lawsuit against me in Texas without providing proper debt validation, including the purchase agreement or any documentation proving their legal right to collect or sue on the alleged debt. \n\n\n\nOn or about XX/XX/year>, I submitted a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In my request, I specifically asked for documentation showing : A copy of the purchase agreement or assignment demonstrating lawful transfer of the debt to them To date, the collection company has failed to provide the requested validation. They have not produced a purchase agreement, bill of sale, assignment, or any other admissible proof showing that they legally purchased or own the alleged debt or have standing to bring a lawsuit. \n\n\n\nDespite failing to validate the debt, the company has continued collection activity by pursuing a lawsuit against me. Filing or continuing a lawsuit without first validating the debt constitutes collection activity and appears to violate the FDCPA. As a Texas consumer, I am also concerned that this conduct violates Texas debt collection laws, which prohibit deceptive, unfair, or misleading practices. \n\n\n\nI am requesting that the CFPB : Investigate this debt collection companys conduct Require the company to provide proper debt validation, including the purchase agreement or chain of title Take appropriate action to stop or address the lawsuit until lawful proof and verification are provided I have acted in good faith to assert my consumer rights, yet the collection company has ignored my lawful request and proceeded with legal action without evidence of ownership or accuracy of the alleged debt. \n\n\n\nThank you for your assistance in this matter. I am prepared to provide copies of my validation request and any related correspondence upon request. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-27T14:48:04.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"19035809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-01-27T14:33:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["I am prepared to <em>provide</em> copies of my validation request and any related correspondence upon request. \n\n\n\nSincerely, <em>XXXX</em> <em>XXXX</em>"]},"sort":[15.664547,"19035809"]},{"_index":"complaint-public-v1","_id":"11692256","_score":15.435187,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the accuracy of a collection account reported by XXXX XXXX XXXX on my credit report with XXXX. This account has been repeatedly reported with late payments, which appears to be an attempt to artificially extend the reporting period and prevent the account from aging off my credit report as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe FCRA requires that credit reporting agencies ( CRAs ) such as Experian conduct a reasonable investigation of all consumer disputes. 15 U.S.C. 1681i ( a ). However, despite filing multiple disputes with XXXX regarding this account, they have consistently failed to conduct a thorough and impartial investigation. Instead, XXXX has repeatedly verified the account as accurate without providing any supporting documentation or evidence of a legitimate investigation.\n\nThis conduct appears to be in violation of the FCRA, particularly 15 U.S.C. 1681i ( b ), which requires CRAs to reinvestigate disputed information even if the information was previously verified. Furthermore, XXXX 's failure to properly investigate my dispute and provide me with the results of their investigation may also violate 15 U.S.C. 1681i ( c ), which requires CRAs to provide consumers with the results of any dispute investigation. \n\nI am concerned that XXXX 's actions may be part of a pattern of misconduct, as evidenced by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX. This lawsuit alleges that XXXX accepts unreliable information, fails to properly investigate disputes, and fails to provide consumers with timely and accurate dispute results. \n\nI request that XXXX immediately conduct a thorough and impartial investigation of this disputed account. I also request that XXXX provide me with all supporting documentation related to this account, including any communication between XXXX and XXXX XXXX XXXX.","date_sent_to_company":"2025-01-22T08:09:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33311","tags":"Servicemember","has_narrative":true,"complaint_id":"11692256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-22T08:09:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This <em>lawsuit</em> alleges that <em>XXXX</em> accepts unreliable information, <em>fails</em> to properly investigate disputes, and <em>fails</em> to <em>provide</em> consumers with timely and accurate dispute results. \n\nI request that <em>XXXX</em> immediately conduct a thorough and impartial investigation of this disputed account. I also request that <em>XXXX</em> <em>provide</em> me with all supporting documentation related to this account, including any communication between <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>."]},"sort":[15.435187,"11692256"]},{"_index":"complaint-public-v1","_id":"5262908","_score":15.41611,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2021 we were notified by Portfolio Recovery Associates , LLC of an alleged debt. We responded on XX/XX/2021 disputing the debt and requesting that documentation be provided to validate the debt. Rather than validating the debt, we instead continued to be contacted for purposes of collecting the debt, despite failing to validate it per our dispute request. On XX/XX/2021 after receiving another attempt to collect via mail I sent a second notice to Portfolio Recovery Associates , LLC reiterating our dispute of the debt and notifying them that they were now in clear violation of the Fair Debt Collection Practices Act by ignoring our request not to be contacted for purposes of collecting the debt until such a time they could validate it. After this second letter was sent, Portfolio Recovery Associates responded to the dispute by providing some of the documentation we requested to validate the debt and their legal ability to collect on it, but failed to provide satisfactory documentation to validate all of our concerns. Because of this I responded to them via mail on XX/XX/2021 requesting that they provide the additional documents that they had failed to provide and reiterated that we are still in dispute of the debt. Portfolio Recovery Associates responded to this request by re-sending the exact same documentation they had previously provided us while still failing to provide the other requested documents such as proof of their being licensed to collect debts in California and proceeded to threaten us with a lawsuit as a means of intimidation and to prevent having to provide the documentation we requested. Despite being in good faith negotiations regarding a disputed debt, we were concerned over this legal threat and decided to make a payment to Portfolio Recovery Associates as a delay tactic while we decided what to do about our legal dispute requests going ignored while simultaneously being threatened with legal action, despite remaining in ongoing good faith communication with Portfolio Recovery Associates. \n\nTo our surprise, shortly after making this payment we received a lawsuit stipulation for settlement letter from Portfolio Recovery Associates indicating they had sued us despite not informing us that a lawsuit was being filed and despite the fact we were still in ongoing communication with them regarding a dispute that had not been settled. We have already suffered violations of the Fair Debt Collection Practices Act by Portfolio Recovery Associates , LLC from other debts that they ultimately were unable to verify and were written off. Due to this past history with Portfolio Recovery Associates we had every reason to be wary and demand documentation validating the debt as well as their legal ability to collect on any debt they could validate. The threatening and filing of lawsuit without notifying us while failing to provide all the requested documentation is exactly why they should be worried about a lawsuit. If they want a settlement, then we will offer on on our terms if they wish to avoid going to court to resolve the issue.","date_sent_to_company":"2022-02-25T23:07:03.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"92026","tags":null,"has_narrative":true,"complaint_id":"5262908","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2022-02-25T22:37:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["After this second letter was sent, Portfolio Recovery Associates responded to the dispute by providing some of the documentation we requested to validate the debt and their legal ability to collect on it, but <em>failed</em> to <em>provide</em> satisfactory documentation to validate all of our concerns. Because of this I responded to them via mail on <em>XX/XX</em>/2021 requesting that they <em>provide</em> the additional documents that they had <em>failed</em> to <em>provide</em> and reiterated that we are still in dispute of the debt."],"sub_issue":["Sued you without properly notifying you of <em>lawsuit</em>"]},"sort":[15.41611,"5262908"]},{"_index":"complaint-public-v1","_id":"11630432","_score":14.811406,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because I believe Experian failed to properly investigate disputes I raised regarding inaccuracies on my credit report. Specifically, I disputed two charge-offs reported by XXXX  XXXX XXXX  XXXX and I do not believe these disputes were handled in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nI am aware that the CFPB recently filed a lawsuit against Experian for allegedly failing to investigate disputes properly and not ensuring the accuracy of reported information. My experience seems to align with these allegations. When I submitted my dispute, Experian quickly responded that the reporting was valid, but I am concerned that they did not conduct a thorough investigation. Experian did not provide sufficient evidence to validate the accuracy of the charge-offs and failed to demonstrate compliance with its obligation to investigate disputes adequately. \n\nThis lack of compliance with the FCRA continues to harm my credit report and financial well-being. The unresolved charge-offs remain on my report, even though I raised valid concerns regarding their accuracy and requested verification. \n\nI request that the CFPB investigate Experian to ensure it is following the law and conducting proper investigations of consumer disputes. I also request that Experian be required to provide proper documentation to validate the reported charge-offs or remove them if they can not be substantiated. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-01-19T03:35:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"11630432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-19T03:24:41.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am submitting this complaint because I believe Experian <em>failed</em> to properly investigate disputes I raised regarding inaccuracies on my credit report. Specifically, I disputed two charge-offs reported by <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> and I do not believe these disputes were handled in compliance with the Fair Credit Reporting Act ( FCRA )."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.811406,"11630432"]},{"_index":"complaint-public-v1","_id":"6681477","_score":14.524091,"_source":{"product":"Debt collection","complaint_what_happened":"I've attempted to negotiate and settle the debt twice using a law firm that fail to follow up in an adequate time frame. The first occasion the law firm failed to relay a counter offer from me to the creditor. The second occasion the law firm, had me to agree to unfavorable terms and then failed to contact me back about next steps and finally provided me the information 3 days before the date which did not allow me time to agree to the terms because my funds were in an out of state bank. \nI attempted to contact the creditors law firm on Friday, XX/XX/XXXX to ask for an extension and the lady that answered the phone refused to work with me even after I offered to provide her their file no, she attempted to pressure me into providing my social security number which I refused then she ultimately refused to work with me even though I let her know that I had just been provided the information about the settlement. I would like a fair settle offer that is consistent with what has been in the past. I'm also concerned that I might have been researched and targeted with a lawsuit.","date_sent_to_company":"2023-03-11T15:47:07.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"28079","tags":"Servicemember","has_narrative":true,"complaint_id":"6681477","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-03-11T14:55:02.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Told you not to respond to a lawsuit they filed against you"},"highlight":{"complaint_what_happened":["I'm also <em>concerned</em> that I might have been researched and targeted with a <em>lawsuit</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Told you not to respond to a <em>lawsuit</em> they filed against you"]},"sort":[14.524091,"6681477"]},{"_index":"complaint-public-v1","_id":"12219414","_score":14.488654,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Greetings, I am writing to formally dispute inaccurate information on my credit report that I believe is negatively impacting my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request a thorough and accurate investigation into these inaccuracies as mandated by federal law. \n\nRecently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing \" sham investigations '' and other unlawful practices. The CFPB highlighted the following systemic issues : Conducting inadequate investigations that fail to properly address consumer disputes. \nReinserting previously disputed and inaccurate information without justification. \nFailing to provide consumers with clear and timely notification of investigation results. \nThese allegations raise significant concerns about the integrity of consumer credit reporting practices. I am deeply concerned that my dispute may not be handled with the diligence and accuracy required by law.","date_sent_to_company":"2025-02-27T06:28:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75025","tags":null,"has_narrative":true,"complaint_id":"12219414","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-27T05:48:27.000Z","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":["Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a <em>lawsuit</em> against <em>XXXX</em> for its failure to properly investigate consumer disputes, citing \" sham investigations '' and other unlawful practices. The CFPB highlighted the following systemic issues : Conducting inadequate investigations that <em>fail</em> to properly address consumer disputes. \nReinserting previously disputed and inaccurate information without justification."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.488654,"12219414"]},{"_index":"complaint-public-v1","_id":"11946224","_score":14.0254965,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. \n\nRecently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing \" sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. \n\nReinserting previously disputed and inaccurate information without explanation. \n\nFailing to notify consumers about investigation results effectively. \n\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\n\nPlease review the Inaccurate Information being report : XXXX. \n\nUnder the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. \n\nProvide me with any documentation you rely on if the disputed information is verified as accurate. \n\nReinserting previously disputed and inaccurate information without explanation. \n\nFailing to notify consumers about investigation results effectively. \n\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.","date_sent_to_company":"2025-02-05T07:37:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28227","tags":null,"has_narrative":true,"complaint_id":"11946224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-05T07:37:10.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am deeply <em>concerned</em> that my dispute may be mishandled in a similar manner.\n\nPlease review the Inaccurate Information being report : <em>XXXX</em>. \n\nUnder the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. \n\n<em>Provide</em> me with any documentation you rely on if the disputed information is verified as accurate. \n\nReinserting previously disputed and inaccurate information without explanation."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.0254965,"11946224"]},{"_index":"complaint-public-v1","_id":"11947166","_score":14.008496,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. \n\nRecently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing \" sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. \n\nReinserting previously disputed and inaccurate information without explanation. \n\nFailing to notify consumers about investigation results effectively. \n\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\n\nPlease review the Inaccurate Information being report : XXXX. \n\nUnder the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. \n\nProvide me with any documentation you rely on if the disputed information is verified as accurate. \n\nReinserting previously disputed and inaccurate information without explanation. \n\nFailing to notify consumers about investigation results effectively. \n\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.","date_sent_to_company":"2025-02-05T07:37:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28227","tags":null,"has_narrative":true,"complaint_id":"11947166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-05T07:31:17.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am deeply <em>concerned</em> that my dispute may be mishandled in a similar manner.\n\nPlease review the Inaccurate Information being report : <em>XXXX</em>. \n\nUnder the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. \n\n<em>Provide</em> me with any documentation you rely on if the disputed information is verified as accurate. \n\nReinserting previously disputed and inaccurate information without explanation."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.008496,"11947166"]},{"_index":"complaint-public-v1","_id":"11946221","_score":14.00794,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. \n\nRecently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing \" sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. \n\nReinserting previously disputed and inaccurate information without explanation. \n\nFailing to notify consumers about investigation results effectively. \n\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\n\nPlease review the Inaccurate Information being report : XXXX. \n\nUnder the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. \n\nProvide me with any documentation you rely on if the disputed information is verified as accurate. \n\nReinserting previously disputed and inaccurate information without explanation. \n\nFailing to notify consumers about investigation results effectively. \n\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.","date_sent_to_company":"2025-02-05T07:37:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28227","tags":null,"has_narrative":true,"complaint_id":"11946221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-05T07:37:10.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am deeply <em>concerned</em> that my dispute may be mishandled in a similar manner.\n\nPlease review the Inaccurate Information being report : <em>XXXX</em>. \n\nUnder the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. \n\n<em>Provide</em> me with any documentation you rely on if the disputed information is verified as accurate. \n\nReinserting previously disputed and inaccurate information without explanation."]},"sort":[14.00794,"11946221"]},{"_index":"complaint-public-v1","_id":"12571651","_score":13.989153,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, a woman illegally served papers to my XXXX about an intent to sue. When I called Johnson Mark to let them know and to tell them I wanted the debt verified, they failed to verify that debt within XXXX days. They stated they would call back ; I have it recorded from XX/XX/XXXX. They never called back, and then I received a judgment against me without so much as a notice and no opportunity to represent myself in a court of law. \n\nThe issues stem from the following incidents : XXXX. Improper Service of Notice on a XXXX : Johnson Mark LLC served a notice of intent to sue on my XXXX child. This is highly inappropriate, as a minor can not legally be held responsible for debts or be served legal documents in this manner. This action demonstrates a reckless disregard for proper legal procedure and appears designed to intimidate rather than follow due process. \n\nXXXX. Failure to Validate Debt Within XXXX Days : After receiving communication from Johnson Mark LLC regarding an alleged debt, I requested validation of the debts accuracy. The firm failed to provide any confirmation or documentation within XXXX days, as required under federal law ( FDCPA, XXXX XXXX. XXXX ). This refusal to verify the debts legitimacy raises serious concerns about the validity of their claims and their compliance with consumer protection standards. \n\nXXXX. Filing a Lawsuit Without Notice or Opportunity to Respond : Johnson Mark LLC proceeded to file a lawsuit against me without providing prior notice of intent to sue or an opportunity to respond or resolve the matter outside of court. This lack of communication denied me due process and appears to be an attempt to exploit the legal system for unjust financial gain, potentially constituting an abuse of process. \nThese actions have caused significant distress to my family, including my minor child, and I am concerned that Johnson Mark LLC may be engaging in predatory or unlawful practices targeting vulnerable Utah residents. I request that your office investigate the firms conduct, including their compliance with state and federal debt collection laws, proper service of legal documents, and ethical standards for initiating lawsuits.","date_sent_to_company":"2025-03-20T18:59:03.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"84044","tags":null,"has_narrative":true,"complaint_id":"12571651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Johnson Mark LLC","date_received":"2025-03-20T18:43:58.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Failure to Validate Debt Within <em>XXXX</em> Days : After receiving communication from Johnson Mark LLC regarding an alleged debt, I requested validation of the debts accuracy. The firm <em>failed</em> to <em>provide</em> any confirmation or documentation within <em>XXXX</em> days, as required under federal law ( FDCPA, <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em> ). This refusal to verify the debts legitimacy raises serious concerns about the validity of their claims and their compliance with consumer protection standards. \n\n<em>XXXX</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.989153,"12571651"]},{"_index":"complaint-public-v1","_id":"12571433","_score":13.976834,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, a woman illegally served papers to my XXXX about an intent to sue. When I called XXXX XXXX to let them know and to tell them I wanted the debt verified, they failed to verify that debt within 3 days. They stated they would call back ; I have it recorded from XX/XX/XXXX. They never called back, and then I received a judgment against me without so much as a notice and no opportunity to represent myself in a court of law. \n\nThe issues stem from the following incidents : XXXX. Improper Service of Notice on a Minor : XXXX XXXX XXXX served a notice of intent to sue on my XXXX child. This is highly inappropriate, as a minor can not legally be held responsible for debts or be served legal documents in this manner. This action demonstrates a reckless disregard for proper legal procedure and appears designed to intimidate rather than follow due process. \n\nXXXX. Failure to Validate Debt Within Three Days : After receiving communication from XXXX XXXX XXXX regarding an alleged debt, I requested validation of the debts accuracy. The firm failed to provide any confirmation or documentation within three days, as required under federal law ( FDCPA, 15 U.S.C. 1692g ). This refusal to verify the debts legitimacy raises serious concerns about the validity of their claims and their compliance with consumer protection standards.\n\n3. Filing a Lawsuit Without Notice or Opportunity to Respond : XXXX XXXX XXXX proceeded to file a lawsuit against me without providing prior notice of intent to sue or an opportunity to respond or resolve the matter outside of court. This lack of communication denied me due process and appears to be an attempt to exploit the legal system for unjust financial gain, potentially constituting an abuse of process. \nThese actions have caused significant distress to my family, including my minor child, and I am concerned that XXXX XXXX XXXX may be engaging in predatory or unlawful practices targeting vulnerable Utah residents. I request that your office investigate the firms conduct, including their compliance with state and federal debt collection laws, proper service of legal documents, and ethical standards for initiating lawsuits.","date_sent_to_company":"2025-03-20T18:59:01.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"84044","tags":null,"has_narrative":true,"complaint_id":"12571433","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-03-20T18:58:34.000Z","state":"UT","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["These actions have caused significant distress to my family, including my minor child, and I am <em>concerned</em> that <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> may be engaging in predatory or unlawful practices targeting vulnerable Utah residents. I request that your office investigate the firms conduct, including their compliance with state and federal debt collection laws, proper service of legal documents, and ethical standards for initiating <em>lawsuits</em>."]},"sort":[13.976834,"12571433"]},{"_index":"complaint-public-v1","_id":"12129244","_score":13.697231,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX XXXX : {$1600.00} : Open : XX/XX/XXXX XXXX XXXX : {$3000.00} : Open : XXXX XXXX XXXX : {$670.00} : Open : XX/XX/XXXX Hard Inquiry : XXXX XXXX Based on the CFPB recent lawsuit against the unethical agencies for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I request that your agency to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any fraudulent information from my credit report. \nFailure to comply with the FCRA and other applicable laws will result in legal action, as seen in cases such as XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ).","date_sent_to_company":"2025-02-25T23:57:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"14617","tags":null,"has_narrative":true,"complaint_id":"12129244","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-20T03:04:53.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["It is clear that you have <em>failed</em> to fulfill this legal responsibility. The derogatory marks are <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : {$1600.00} : Open : XX/XX/<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : {$3000.00} : Open : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : {$670.00} : Open : XX/XX/<em>XXXX</em> Hard Inquiry : <em>XXXX</em> <em>XXXX</em> Based on the CFPB recent <em>lawsuit</em> against the unethical agencies for sham investigations of consumer disputes and improper reinsertion of deleted information, I am <em>concerned</em> that you may <em>fail</em> to meet your obligations under federal law."]},"sort":[13.697231,"12129244"]},{"_index":"complaint-public-v1","_id":"12129562","_score":13.636392,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX XXXX : {$1600.00} : Open : XX/XX/XXXX XXXX XXXX : {$3000.00} : Open : Unknown XXXX XXXX  : {$670.00} : Open : XX/XX/XXXX Hard Inquiry : XXXX  XXXX Based on the CFPB recent lawsuit against the unethical agencies for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I request that your agency to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any fraudulent information from my credit report.\n\nFailure to comply with the FCRA and other applicable laws will result in legal action, as seen in cases such as Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ).","date_sent_to_company":"2025-02-25T23:58:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"14617","tags":null,"has_narrative":true,"complaint_id":"12129562","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-20T02:54:14.000Z","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":["It is clear that you have <em>failed</em> to fulfill this legal responsibility. The derogatory marks are <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : {$1600.00} : Open : XX/XX/<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : {$3000.00} : Open : Unknown <em>XXXX</em> <em>XXXX</em>  : {$670.00} : Open : XX/XX/<em>XXXX</em> Hard Inquiry : <em>XXXX</em>  <em>XXXX</em> Based on the CFPB recent <em>lawsuit</em> against the unethical agencies for sham investigations of consumer disputes and improper reinsertion of deleted information, I am <em>concerned</em> that you may <em>fail</em> to meet your obligations under federal law."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.636392,"12129562"]},{"_index":"complaint-public-v1","_id":"12129545","_score":13.636392,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX XXXX : {$1600.00} : Open : XX/XX/XXXX XXXX XXXX : {$3000.00} : Open : Unknown XXXX XXXX : {$670.00} : Open : XX/XX/XXXX Hard Inquiry : XXXX  XXXX Based on the CFPB recent lawsuit against the unethical agencies for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I request that your agency to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any fraudulent information from my credit report.\n\nFailure to comply with the FCRA and other applicable laws will result in legal action, as seen in cases such as Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ).","date_sent_to_company":"2025-02-25T23:57:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"14617","tags":null,"has_narrative":true,"complaint_id":"12129545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-20T03:11:15.000Z","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":["It is clear that you have <em>failed</em> to fulfill this legal responsibility. The derogatory marks are <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : {$1600.00} : Open : XX/XX/<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : {$3000.00} : Open : Unknown <em>XXXX</em> <em>XXXX</em> : {$670.00} : Open : XX/XX/<em>XXXX</em> Hard Inquiry : <em>XXXX</em>  <em>XXXX</em> Based on the CFPB recent <em>lawsuit</em> against the unethical agencies for sham investigations of consumer disputes and improper reinsertion of deleted information, I am <em>concerned</em> that you may <em>fail</em> to meet your obligations under federal law."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.636392,"12129545"]},{"_index":"complaint-public-v1","_id":"11501657","_score":13.507581,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information appearing on my credit report issued by Experian. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a thorough and fair investigation of disputed information. However, it has come to my attention, reinforced by the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian, that your dispute process may not comply with these legal obligations.\n\nDisputed Account ( s ) : Creditor Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Reason : Account Not Mine/ Inaccurate info Despite submitting valid documentation on XXXX XXXX, Experian failed to conduct a proper investigation and did not correct the inaccurate information. I am concerned that my dispute was mishandled, similar to the practices outlined in the recent CFPB lawsuit, which alleges that Experian engaged in \" sham investigations '' and improperly reinserted disputed information without proper notice.\n\nAttached Supporting Documents : A copy of my Experian credit report with the disputed account ( s ) highlighted.\n\nCopies of previous dispute letters sent to Experian.\n\nDocumentation supporting my dispute ( e.g., payment confirmation, identity theft report, correspondence with creditor ).\n\nAction Requested : A full and lawful investigation into the disputed item ( s ) in accordance with the FCRA.\n\nImmediate correction or removal of inaccurate information from my credit report.\n\nWritten confirmation of the investigation results and actions taken.\n\nPlease note that under the FCRA, Experian is obligated to complete the investigation within 30 days and provide me with the results in writing. If you fail to resolve this dispute appropriately, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider pursuing legal action to enforce my rights. \n\nThank you for your prompt attention to this matter. I expect a timely and accurate resolution. Please contact me at XXXX for any further information. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX of XXXX","date_sent_to_company":"2025-01-13T20:19:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11530","tags":null,"has_narrative":true,"complaint_id":"11501657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-13T20:09:37.000Z","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":["Disputed Account ( s ) : Creditor Name : <em>XXXX</em> <em>XXXX</em>, <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 Dispute Reason : Account Not Mine/ Inaccurate info Despite submitting valid documentation on <em>XXXX</em> <em>XXXX</em>, Experian <em>failed</em> to conduct a proper investigation and did not correct the inaccurate information."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.507581,"11501657"]},{"_index":"complaint-public-v1","_id":"11870355","_score":13.427778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed a XXXX FAIR and Out Sourcing XXXX {$7800.00} Missouri Education XXXX for {$21000.00} XXXX XXXX XXXX {$89.00} Time payment {$10000.00} Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.\n\nReinserting previously disputed and inaccurate information without explanation.\n\nFailing to notify consumers about investigation results effectively.\n\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\n\nPlease review the Inaccurate Information being report : 1.\n\nUnder the FCRA, you are required to : Conduct a proper investigation into my dispute.\n\nInform me of the results of your investigation in a clear and comprehensible manner.\n\nProvide me with any documentation you rely on if the disputed information is verified as accurate.\n\nEnsure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.\n\nIf the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.\n\nFurthermore, I request written confirmation of the actions you take in response to this dispute.\n\nIf you fail to resolve this matter, I reserve the right to escalate the issue.\n\nAlso please remove per FCRA 605B with in 4 days of notice. The Fair Credit Reporting Act ( FCRA ) Section 605B provides identity theft victims the right to block fraudulent information from appearing on their credit reports.","date_sent_to_company":"2025-01-31T23:06:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28227","tags":null,"has_narrative":true,"complaint_id":"11870355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-31T23:06:03.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I disputed a <em>XXXX</em> FAIR and Out Sourcing <em>XXXX</em> {$7800.00} Missouri Education <em>XXXX</em> for {$21000.00} <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> {$89.00} Time payment {$10000.00} Recently, the Consumer Financial Protection Bureau filed a <em>lawsuit</em> against Experian for its failure to properly investigate consumer disputes, citing and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that <em>fail</em> to address consumer disputes properly."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.427778,"11870355"]},{"_index":"complaint-public-v1","_id":"11870583","_score":13.425394,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed a XXXX FAIR and Out Sourcing XXXX {$7800.00} Missouri Education XXXX for {$21000.00} XXXX XXXX XXXX {$89.00} Time payment {$10000.00} Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.\n\nReinserting previously disputed and inaccurate information without explanation.\n\nFailing to notify consumers about investigation results effectively.\n\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\n\nPlease review the Inaccurate Information being report : 1.\n\nUnder the FCRA, you are required to : Conduct a proper investigation into my dispute.\n\nInform me of the results of your investigation in a clear and comprehensible manner.\n\nProvide me with any documentation you rely on if the disputed information is verified as accurate.\n\nEnsure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.\n\nIf the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.\n\nFurthermore, I request written confirmation of the actions you take in response to this dispute.\n\nIf you fail to resolve this matter, I reserve the right to escalate the issue.\n\nAlso please remove per FCRA 605B with in 4 days of notice. The Fair Credit Reporting Act ( FCRA ) Section 605B provides identity theft victims the right to block fraudulent information from appearing on their credit reports.","date_sent_to_company":"2025-01-31T23:06:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28227","tags":null,"has_narrative":true,"complaint_id":"11870583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T22:31:11.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I disputed a <em>XXXX</em> FAIR and Out Sourcing <em>XXXX</em> {$7800.00} Missouri Education <em>XXXX</em> for {$21000.00} <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> {$89.00} Time payment {$10000.00} Recently, the Consumer Financial Protection Bureau filed a <em>lawsuit</em> against Experian for its failure to properly investigate consumer disputes, citing and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that <em>fail</em> to address consumer disputes properly."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.425394,"11870583"]},{"_index":"complaint-public-v1","_id":"11870352","_score":13.397648,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed a XXXX FAIR and Out Sourcing XXXX {$7800.00} Missouri Education XXXX for {$21000.00} XXXX XXXX XXXX {$89.00} Time payment {$10000.00} Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.\n\nReinserting previously disputed and inaccurate information without explanation.\n\nFailing to notify consumers about investigation results effectively.\n\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\n\nPlease review the Inaccurate Information being report : 1.\n\nUnder the FCRA, you are required to : Conduct a proper investigation into my dispute.\n\nInform me of the results of your investigation in a clear and comprehensible manner.\n\nProvide me with any documentation you rely on if the disputed information is verified as accurate.\n\nEnsure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.\n\nIf the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.\n\nFurthermore, I request written confirmation of the actions you take in response to this dispute.\n\nIf you fail to resolve this matter, I reserve the right to escalate the issue.\n\nAlso please remove per FCRA 605B with in 4 days of notice. The Fair Credit Reporting Act ( FCRA ) Section 605B provides identity theft victims the right to block fraudulent information from appearing on their credit reports.","date_sent_to_company":"2025-01-31T23:06:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28227","tags":null,"has_narrative":true,"complaint_id":"11870352","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-31T23:06:03.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I disputed a <em>XXXX</em> FAIR and Out Sourcing <em>XXXX</em> {$7800.00} Missouri Education <em>XXXX</em> for {$21000.00} <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> {$89.00} Time payment {$10000.00} Recently, the Consumer Financial Protection Bureau filed a <em>lawsuit</em> against Experian for its failure to properly investigate consumer disputes, citing and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that <em>fail</em> to address consumer disputes properly."]},"sort":[13.397648,"11870352"]},{"_index":"complaint-public-v1","_id":"11746865","_score":13.366822,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. I previously disputed the following information on my Experian credit report : XXXX XXXX  Account XXXX and XXXXXXXX XXXX Account. Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.\n\n2. Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.\n\n3. Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected. \nExperians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.\n\nFCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. \nCFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.","date_sent_to_company":"2025-01-22T00:28:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20737","tags":null,"has_narrative":true,"complaint_id":"11746865","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-22T00:14:39.000Z","state":"MD","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":["The CFPB 's recent <em>lawsuit</em> highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. I previously disputed the following information on my Experian credit report : <em>XXXX</em> <em>XXXX</em>  Account <em>XXXX</em> and XXXXXXXX <em>XXXX</em> Account. Despite submitting evidence to support my dispute, Experian <em>failed</em> to conduct a proper investigation. Specifically : 1."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.366822,"11746865"]},{"_index":"complaint-public-v1","_id":"12294962","_score":13.307604,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear, Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.\n\nRecently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing \" sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. \nReinserting previously disputed and inaccurate information without explanation. \nFailing to notify consumers about investigation results effectively. \nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\n\nPlease review the Inaccurate Information being reported : These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\n\nPlease review the Inaccurate Information being reported : XXXX. \nUnder the FCRA, you are required to : Conduct a proper investigation into my dispute. \nInform me of the results of your investigation in a clear and comprehensible manner. \nProvide me with any documentation you rely on if the disputed information is verified as accurate. \nEnsure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. \nIf the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. \nFurthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. \nThank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX timeframe. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear, Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.\n\nRecently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing \" sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. \nReinserting previously disputed and inaccurate information without explanation. \nFailing to notify consumers about investigation results effectively. \nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. \nPlease review the Inaccurate Information being reported :","date_sent_to_company":"2025-03-04T07:01:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"745XX","tags":null,"has_narrative":true,"complaint_id":"12294962","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-04T07:01:18.000Z","state":"OK","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 deeply <em>concerned</em> that my dispute may be mishandled in a similar manner. \nPlease review the Inaccurate Information being reported :"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.307604,"12294962"]},{"_index":"complaint-public-v1","_id":"12294963","_score":13.282079,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear, Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.\n\nRecently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing \" sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. \nReinserting previously disputed and inaccurate information without explanation. \nFailing to notify consumers about investigation results effectively. \nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\n\nPlease review the Inaccurate Information being reported : These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\n\nPlease review the Inaccurate Information being reported : XXXX. \nUnder the FCRA, you are required to : Conduct a proper investigation into my dispute. \nInform me of the results of your investigation in a clear and comprehensible manner. \nProvide me with any documentation you rely on if the disputed information is verified as accurate. \nEnsure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. \nIf the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. \nFurthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. \nThank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX timeframe. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear, Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.\n\nRecently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing \" sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. \nReinserting previously disputed and inaccurate information without explanation. \nFailing to notify consumers about investigation results effectively. \nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. \nPlease review the Inaccurate Information being reported :","date_sent_to_company":"2025-03-04T07:01:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"745XX","tags":null,"has_narrative":true,"complaint_id":"12294963","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-04T07:01:18.000Z","state":"OK","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 deeply <em>concerned</em> that my dispute may be mishandled in a similar manner. \nPlease review the Inaccurate Information being reported :"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.282079,"12294963"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":406,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":406}]}},"product":{"doc_count":406,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":327,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":324},{"key":"Other personal consumer report","doc_count":3}]}},{"key":"Debt collection","doc_count":28,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":15},{"key":"I do not know","doc_count":8},{"key":"Medical debt","doc_count":2},{"key":"Auto debt","doc_count":1},{"key":"Federal student loan debt","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":22,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":22}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":4},{"key":"Domestic (US) money transfer","doc_count":2},{"key":"International money transfer","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Student loan","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":5},{"key":"Private student loan","doc_count":1}]}},{"key":"Mortgage","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":2},{"key":"FHA mortgage","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":3}]}},{"key":"Credit card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2}]}},{"key":"Debt or credit management","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit repair services","doc_count":1},{"key":"Debt settlement","doc_count":1}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other banking product or service","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":1}]}},{"key":"Credit reporting","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}}]}},"issue":{"doc_count":406,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing problem","doc_count":249,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":235},{"key":"Problem with personal statement of dispute","doc_count":7},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":3},{"key":"Investigation took more than 30 days","doc_count":2},{"key":"Was not notified of investigation status or results","doc_count":2}]}},{"key":"Incorrect information on your report","doc_count":66,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":47},{"key":"Account information incorrect","doc_count":10},{"key":"Account status incorrect","doc_count":6},{"key":"Public record information inaccurate","doc_count":3}]}},{"key":"Improper use of your report","doc_count":26,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":18},{"key":"Credit inquiries on your report that you don't recognize","doc_count":8}]}},{"key":"Took or threatened to take negative or legal action","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued you without properly notifying you of lawsuit","doc_count":4},{"key":"Threatened to sue you for very old debt","doc_count":3},{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}},{"key":"False statements or representation","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":6},{"key":"Told you not to respond to a lawsuit they filed against you","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":4},{"key":"Debt was result of identity theft","doc_count":2}]}},{"key":"Written notification about debt","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":3},{"key":"Didn't receive notice of right to dispute","doc_count":3}]}},{"key":"Dealing with your lender or servicer","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":3},{"key":"Need information about your loan balance or loan terms","doc_count":1}]}},{"key":"Fraud or scam","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":4}]}},{"key":"Closing on a mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in loan terms during or after closing","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3}]}},{"key":"Other transaction problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Repossession","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lender trying to repossess or disable the vehicle","doc_count":1},{"key":"Notice to repossess","doc_count":1}]}},{"key":"Charged upfront or unexpected fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":1}]}},{"key":"Didn't provide services promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unexpected increase in interest rate","doc_count":1}]}},{"key":"Getting a line of credit","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"High pressure sales tactics or recruiting","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1}]}},{"key":"Money was not available when promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with customer service","doc_count":1}]}},{"key":"Problem getting a card or closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble closing card","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to repay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":1}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted you instead of your attorney","doc_count":1}]}},{"key":"Unable to get credit report/credit score","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem getting report or credit score","doc_count":1}]}},{"key":"Wrong amount charged or received","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":406,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":403},{"key":"No","doc_count":3}]}},"company_response":{"doc_count":406,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":281},{"key":"Closed with non-monetary relief","doc_count":121},{"key":"Closed with monetary relief","doc_count":3},{"key":"Untimely response","doc_count":1}]}},"submitted_via":{"doc_count":406,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":406}]}},"company":{"doc_count":406,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":125},{"key":"EQUIFAX, INC.","doc_count":115},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":95},{"key":"CITIBANK, N.A.","doc_count":6},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":5},{"key":"Block, Inc.","doc_count":4},{"key":"Portfolio Recovery Associates, LLC","doc_count":4},{"key":"Resurgent Capital Services L.P.","doc_count":4},{"key":"AMERICAN EXPRESS COMPANY","doc_count":3},{"key":"Bridgecrest Acceptance Corporation","doc_count":2},{"key":"MOHELA","doc_count":2},{"key":"AES/PHEAA","doc_count":1},{"key":"AMERISAVE MORTGAGE CORPORATION","doc_count":1},{"key":"Absolute Resolutions Corp.","doc_count":1},{"key":"Aldous & Associates, PLLC","doc_count":1},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":1},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"Capital Accounts, LLC","doc_count":1},{"key":"CarMax, Inc.","doc_count":1},{"key":"Consumer Financial Services Solutions, Inc.","doc_count":1},{"key":"DriveTime","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"EdFinancial Services","doc_count":1},{"key":"Erin Capital Management, LLC","doc_count":1},{"key":"Exeter Finance, LLC.","doc_count":1},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":1},{"key":"FORD MOTOR CREDIT CO.","doc_count":1},{"key":"FundFlare LLC","doc_count":1},{"key":"HW Holding, Inc","doc_count":1},{"key":"Halsted Financial Services, LLC.","doc_count":1},{"key":"John C. Heath, Attorney at Law, PLLC","doc_count":1},{"key":"Johnson Mark LLC","doc_count":1},{"key":"Kikoff Inc.","doc_count":1},{"key":"Kramer & Frank, P.C.","doc_count":1},{"key":"Maximus Federal Services, Inc.","doc_count":1},{"key":"Mortgage Research Center, LLC","doc_count":1},{"key":"Navient Solutions, LLC.","doc_count":1},{"key":"Nelnet, Inc.","doc_count":1},{"key":"Netspend Corporation","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":1},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":1},{"key":"PNC Bank N.A.","doc_count":1},{"key":"PROSPERITY BANCSHARES, INC.","doc_count":1},{"key":"Receivable Collection Services, LLC","doc_count":1},{"key":"Rubin & Rothman, LLC","doc_count":1},{"key":"SYNCHRONY FINANCIAL","doc_count":1},{"key":"Santander Consumer USA Holdings Inc.","doc_count":1},{"key":"Social Finance, Inc.","doc_count":1},{"key":"TIDEWATER FINANCE COMPANY, INC.","doc_count":1},{"key":"Velocity Portfolio Group","doc_count":1}]}},"state":{"doc_count":406,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":72},{"key":"CA","doc_count":45},{"key":"NC","doc_count":35},{"key":"NY","doc_count":35},{"key":"TX","doc_count":35},{"key":"GA","doc_count":27},{"key":"PA","doc_count":19},{"key":"AL","doc_count":18},{"key":"MD","doc_count":15},{"key":"IL","doc_count":11},{"key":"OH","doc_count":11},{"key":"NJ","doc_count":10},{"key":"SC","doc_count":9},{"key":"IN","doc_count":6},{"key":"KS","doc_count":6},{"key":"MO","doc_count":6},{"key":"MS","doc_count":6},{"key":"OK","doc_count":5},{"key":"MI","doc_count":4},{"key":"AR","doc_count":3},{"key":"MA","doc_count":3},{"key":"PR","doc_count":3},{"key":"CO","doc_count":2},{"key":"DE","doc_count":2},{"key":"KY","doc_count":2},{"key":"NV","doc_count":2},{"key":"UT","doc_count":2},{"key":"VA","doc_count":2},{"key":"WA","doc_count":2},{"key":"AZ","doc_count":1},{"key":"CT","doc_count":1},{"key":"LA","doc_count":1},{"key":"MN","doc_count":1},{"key":"RI","doc_count":1},{"key":"WI","doc_count":1},{"key":"WV","doc_count":1}]}},"company_public_response":{"doc_count":406,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":236},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":4},{"key":"Company disputes the facts presented in the complaint","doc_count":1}]}},"tags":{"doc_count":406,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":27},{"key":"Older American","doc_count":8},{"key":"Older American, Servicemember","doc_count":4}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[13.282079,"12294963"],"3":[12.589997,"12127183"],"4":[12.272227,"12005379"],"5":[12.027653,"11878096"],"6":[11.958418,"12062952"],"7":[11.659946,"12272417"],"8":[11.530835,"12756388"]}}}