{"took":72,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":663,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13620690","_score":16.950827,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I like to file a complaint against Equifax, Experian, Transunion, and XXXX XXXX for reporting these accounts on my credit profile I did not give permission to furnish my credit report with these negative items \" XXXX '' also they are violating US code 15 USC 1681a ( 2 ) Several class action lawsuits have been filed against XXXX, a major student loan servicer. These lawsuits allege various misconducts, including : XXXX. Miscalculation of XXXX XXXX ( XXXX ) XXXX : XXXX lawsuit claims XXXX miscalculated XXXX payments for borrowers on income-based repayment plans, leading to higher payments than required. \nThis miscalculation reportedly impacted a borrower 's ability to qualify for a mortgage due to an inflated debt-to-income ratio. \nThe XXXX article mentions that the lawsuit aims to cover all consumers with addresses who were impacted by this miscalculation. \n\n\nXXXX. Breaching Servicing Agreements and Violating Laws : Another lawsuit, filed by, alleges that XXXX breached its servicing agreement with the federal government. \nThis lawsuit claims that student borrowers are intended XXXX beneficiaries of the agreement and were harmed by XXXX 's XXXX. \nIt also alleges that XXXX violated state and federal laws in its loan servicing practices. \n\n\nXXXX. Failure to Provide Adequate Notice Regarding XXXX Recertification : The XXXX  Attorney General XXXX XXXX reached a settlement with XXXX for {$1.00} XXXX due to allegations of failing to adequately communicate with borrowers about maintaining access to affordable payments. \nSpecifically, the investigation found that XXXX 's communications between XXXX and XXXX failed to comply with federal regulations regarding notice of IDR recertification deadlines. \n\n\nXXXX. Misleading Borrowers and Falsely Reporting to Credit Bureaus : A XXXX thread suggests that borrowers have experienced issues such as misapplied payments, inflated balances, and false reporting to credit bureaus. \n\n\nNote : It is important to note that class action lawsuits are ongoing legal proceedings, and the allegations have not been proven in court. not to mention the XXXX violation, and XXXX violating student education records, XXXX data, and personal information. XXXX has violated ferpa by accessing XXXX loan data. \n\nXXXX must update to positive info, or remove accounts immediately.","date_sent_to_company":"2025-05-20T15:44:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"13620690","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-20T15:44:28.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Breaching</em> Servicing Agreements and Violating Laws : Another <em>lawsuit</em>, <em>filed</em> by, <em>alleges</em> that <em>XXXX</em> <em>breached</em> its servicing agreement with the federal government. \nThis <em>lawsuit</em> claims that student borrowers are intended <em>XXXX</em> beneficiaries of the agreement and were harmed by <em>XXXX</em> 's <em>XXXX</em>. \nIt also <em>alleges</em> that <em>XXXX</em> violated state and federal laws in its loan servicing practices. \n\n\n<em>XXXX</em>."]},"sort":[16.950827,"13620690"]},{"_index":"complaint-public-v1","_id":"13620402","_score":16.929125,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I like to file a complaint against Equifax, Experian, Transunion, and XXXX XXXX for reporting these accounts on my credit profile I did not give permission to furnish my credit report with these negative items \" XXXX '' also they are violating US code 15 USC 1681a ( 2 ) Several class action lawsuits have been filed against XXXX, a major student loan servicer. These lawsuits allege various misconducts, including : XXXX. Miscalculation of XXXX XXXX ( XXXX ) XXXX : XXXX lawsuit claims XXXX miscalculated XXXX payments for borrowers on income-based repayment plans, leading to higher payments than required. \nThis miscalculation reportedly impacted a borrower 's ability to qualify for a mortgage due to an inflated debt-to-income ratio. \nThe XXXX article mentions that the lawsuit aims to cover all consumers with addresses who were impacted by this miscalculation. \n\n\nXXXX. Breaching Servicing Agreements and Violating Laws : Another lawsuit, filed by, alleges that XXXX breached its servicing agreement with the federal government. \nThis lawsuit claims that student borrowers are intended XXXX beneficiaries of the agreement and were harmed by XXXX 's XXXX. \nIt also alleges that XXXX violated state and federal laws in its loan servicing practices. \n\n\nXXXX. Failure to Provide Adequate Notice Regarding XXXX Recertification : The XXXX  Attorney General XXXX XXXX reached a settlement with XXXX for {$1.00} XXXX due to allegations of failing to adequately communicate with borrowers about maintaining access to affordable payments. \nSpecifically, the investigation found that XXXX 's communications between XXXX and XXXX failed to comply with federal regulations regarding notice of IDR recertification deadlines. \n\n\nXXXX. Misleading Borrowers and Falsely Reporting to Credit Bureaus : A XXXX thread suggests that borrowers have experienced issues such as misapplied payments, inflated balances, and false reporting to credit bureaus. \n\n\nNote : It is important to note that class action lawsuits are ongoing legal proceedings, and the allegations have not been proven in court. not to mention the XXXX violation, and XXXX violating student education records, XXXX data, and personal information. XXXX has violated ferpa by accessing XXXX loan data. \n\nXXXX must update to positive info, or remove accounts immediately.","date_sent_to_company":"2025-05-20T15:44:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"13620402","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-20T15:36:37.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Breaching</em> Servicing Agreements and Violating Laws : Another <em>lawsuit</em>, <em>filed</em> by, <em>alleges</em> that <em>XXXX</em> <em>breached</em> its servicing agreement with the federal government. \nThis <em>lawsuit</em> claims that student borrowers are intended <em>XXXX</em> beneficiaries of the agreement and were harmed by <em>XXXX</em> 's <em>XXXX</em>. \nIt also <em>alleges</em> that <em>XXXX</em> violated state and federal laws in its loan servicing practices. \n\n\n<em>XXXX</em>."]},"sort":[16.929125,"13620402"]},{"_index":"complaint-public-v1","_id":"10163497","_score":16.834076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX These are fraudulent accounts About 2.9 billion people may have had their personal financial data compromised, a lawsuit alleges.\n\n\" It's not a matter of if, it's a matter of when '' you may be personally affected by a breach, one expert says. \nExperts say there's one best step to take to protect your personal data. Criminals have posted on the dark web a database containing data on 2.9 billion people, offering to sell it for {$3.00} million, according to a lawsuit filed in Florida. And according to the XXXX XXXX XXXX The breach, which includes Social Security numbers and other sensitive data, could power a raft of identity theft, one expert says. ( XXXX XXXX / XXXX XXXX )","date_sent_to_company":"2024-09-18T12:54:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30223","tags":null,"has_narrative":true,"complaint_id":"10163497","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-09-18T12:54:39.000Z","state":"GA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> These are fraudulent accounts About 2.9 billion people may have had their personal financial data compromised, a <em>lawsuit</em> <em>alleges</em>.\n\n\" It's not a matter of if, it's a matter of when '' you may be personally affected by a <em>breach</em>, one expert says. \nExperts say there's one best step to take to protect your personal data."]},"sort":[16.834076,"10163497"]},{"_index":"complaint-public-v1","_id":"10166375","_score":16.832775,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX These are fraudulent accounts About 2.9 billion people may have had their personal financial data compromised, a lawsuit alleges. \n\" It's not a matter of if, it's a matter of when '' you may be personally affected by a breach, one expert says.\n\nExperts say there's one best step to take to protect your personal data. Criminals have posted on the dark web a database containing data on 2.9 billion people, offering to sell it for {$3.00} million, according to a lawsuit filed in Florida. And according to the XXXX XXXX XXXX The breach, which includes Social Security numbers and other sensitive data, could power a raft of identity theft, one expert says. ( XXXX XXXX / XXXX XXXX )","date_sent_to_company":"2024-09-18T12:54:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30223","tags":null,"has_narrative":true,"complaint_id":"10166375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-09-18T12:44:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> These are fraudulent accounts About 2.9 billion people may have had their personal financial data compromised, a <em>lawsuit</em> <em>alleges</em>. \n\" It's not a matter of if, it's a matter of when '' you may be personally affected by a <em>breach</em>, one expert says.\n\nExperts say there's one best step to take to protect your personal data."]},"sort":[16.832775,"10166375"]},{"_index":"complaint-public-v1","_id":"13622091","_score":16.651615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I like to file a complaint against Equifax, Experian, and Transunion for reporting these accounts on my credit profile I did not give permission to furnish my credit report with these negative items \" Deptednelnet '' Several class action lawsuits have been filed against XXXX, a major student loan servicer. These lawsuits allege various misconducts, including : 1. Miscalculation of Income-Driven Repayment ( IDR ) Plans : One lawsuit claims XXXX miscalculated monthly payments for borrowers on income-based repayment plans, leading to higher payments than required.\n\nThis miscalculation reportedly impacted a borrower 's ability to qualify for a mortgage due to an inflated debt-to-income ratio. \nThe XXXX article mentions that the lawsuit aims to cover all consumers with West Virginia addresses who were impacted by this miscalculation. \n\n\nXXXX. Breaching Servicing Agreements and Violating Laws : Another lawsuit, filed by, alleges that XXXX breached its servicing agreement with the federal government. \nThis lawsuit claims that student borrowers are intended third-party beneficiaries of the agreement and were harmed by XXXX 's XXXX. \nIt also alleges that XXXX violated state and federal laws in its loan servicing practices. \n\n\nXXXX. Failure to Provide Adequate Notice Regarding IDR Recertification : The Massachusetts Attorney General 's Office reached a settlement with XXXX for {$1.00} XXXX due to allegations of failing to adequately communicate with borrowers about maintaining access to affordable payments. \nSpecifically, the investigation found that XXXX 's communications between XXXX and XXXX failed to comply with federal regulations regarding notice of IDR recertification deadlines.\n\n4. Misleading Borrowers and Falsely Reporting to Credit Bureaus : A XXXX thread suggests that borrowers have experienced issues such as misapplied payments, inflated balances, and false reporting to credit bureaus. \n\nThese accounts must be removed from my credit report, they're showing a payment history which is INVALID I never paid a student loan a day in my life which means this is inaccurately reporting.\n\nNote : It is important to note that class action lawsuits are ongoing legal proceedings, and the allegations have not been proven in court. not to mention the Ferpa violation, and XXXX violating student education records, Tax data, and personal information. XXXX has violated ferpa by accessing student loan data. \n\nPlease handle this investigation properly thank you for you attention and time. \n\nThank you, XXXX XXXX","date_sent_to_company":"2025-05-20T15:52:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60827","tags":null,"has_narrative":true,"complaint_id":"13622091","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-20T15:51:40.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Breaching</em> Servicing Agreements and Violating Laws : Another <em>lawsuit</em>, <em>filed</em> by, <em>alleges</em> that <em>XXXX</em> <em>breached</em> its servicing agreement with the federal government. \nThis <em>lawsuit</em> claims that student borrowers are intended third-party beneficiaries of the agreement and were harmed by <em>XXXX</em> 's <em>XXXX</em>. \nIt also <em>alleges</em> that <em>XXXX</em> violated state and federal laws in its loan servicing practices. \n\n\n<em>XXXX</em>."]},"sort":[16.651615,"13622091"]},{"_index":"complaint-public-v1","_id":"13621564","_score":16.651615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I like to file a complaint against Equifax, Experian, and Transunion for reporting these accounts on my credit profile I did not give permission to furnish my credit report with these negative items \" Deptednelnet '' Several class action lawsuits have been filed against XXXX, a major student loan servicer. These lawsuits allege various misconducts, including : 1. Miscalculation of Income-Driven Repayment ( IDR ) Plans : One lawsuit claims XXXX miscalculated monthly payments for borrowers on income-based repayment plans, leading to higher payments than required.\n\nThis miscalculation reportedly impacted a borrower 's ability to qualify for a mortgage due to an inflated debt-to-income ratio. \nThe XXXX article mentions that the lawsuit aims to cover all consumers with West Virginia addresses who were impacted by this miscalculation. \n\n\nXXXX. Breaching Servicing Agreements and Violating Laws : Another lawsuit, filed by, alleges that XXXX breached its servicing agreement with the federal government. \nThis lawsuit claims that student borrowers are intended third-party beneficiaries of the agreement and were harmed by XXXX 's XXXX. \nIt also alleges that XXXX violated state and federal laws in its loan servicing practices. \n\n\nXXXX. Failure to Provide Adequate Notice Regarding IDR Recertification : The Massachusetts Attorney General 's Office reached a settlement with XXXX for {$1.00} XXXX due to allegations of failing to adequately communicate with borrowers about maintaining access to affordable payments. \nSpecifically, the investigation found that XXXX 's communications between XXXX and XXXX failed to comply with federal regulations regarding notice of IDR recertification deadlines.\n\n4. Misleading Borrowers and Falsely Reporting to Credit Bureaus : A XXXX thread suggests that borrowers have experienced issues such as misapplied payments, inflated balances, and false reporting to credit bureaus. \n\nThese accounts must be removed from my credit report, they're showing a payment history which is INVALID I never paid a student loan a day in my life which means this is inaccurately reporting.\n\nNote : It is important to note that class action lawsuits are ongoing legal proceedings, and the allegations have not been proven in court. not to mention the Ferpa violation, and XXXX violating student education records, Tax data, and personal information. XXXX has violated ferpa by accessing student loan data. \n\nPlease handle this investigation properly thank you for you attention and time. \n\nThank you, XXXX XXXX","date_sent_to_company":"2025-05-20T15:52:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60827","tags":null,"has_narrative":true,"complaint_id":"13621564","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-20T15:46:22.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Breaching</em> Servicing Agreements and Violating Laws : Another <em>lawsuit</em>, <em>filed</em> by, <em>alleges</em> that <em>XXXX</em> <em>breached</em> its servicing agreement with the federal government. \nThis <em>lawsuit</em> claims that student borrowers are intended third-party beneficiaries of the agreement and were harmed by <em>XXXX</em> 's <em>XXXX</em>. \nIt also <em>alleges</em> that <em>XXXX</em> violated state and federal laws in its loan servicing practices. \n\n\n<em>XXXX</em>."]},"sort":[16.651615,"13621564"]},{"_index":"complaint-public-v1","_id":"13622090","_score":16.622005,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I like to file a complaint against Equifax, Experian, and Transunion for reporting these accounts on my credit profile I did not give permission to furnish my credit report with these negative items \" Deptednelnet '' Several class action lawsuits have been filed against XXXX, a major student loan servicer. These lawsuits allege various misconducts, including : 1. Miscalculation of Income-Driven Repayment ( IDR ) Plans : One lawsuit claims XXXX miscalculated monthly payments for borrowers on income-based repayment plans, leading to higher payments than required.\n\nThis miscalculation reportedly impacted a borrower 's ability to qualify for a mortgage due to an inflated debt-to-income ratio. \nThe XXXX article mentions that the lawsuit aims to cover all consumers with West Virginia addresses who were impacted by this miscalculation. \n\n\nXXXX. Breaching Servicing Agreements and Violating Laws : Another lawsuit, filed by, alleges that XXXX breached its servicing agreement with the federal government. \nThis lawsuit claims that student borrowers are intended third-party beneficiaries of the agreement and were harmed by XXXX 's XXXX. \nIt also alleges that XXXX violated state and federal laws in its loan servicing practices. \n\n\nXXXX. Failure to Provide Adequate Notice Regarding IDR Recertification : The Massachusetts Attorney General 's Office reached a settlement with XXXX for {$1.00} XXXX due to allegations of failing to adequately communicate with borrowers about maintaining access to affordable payments. \nSpecifically, the investigation found that XXXX 's communications between XXXX and XXXX failed to comply with federal regulations regarding notice of IDR recertification deadlines.\n\n4. Misleading Borrowers and Falsely Reporting to Credit Bureaus : A XXXX thread suggests that borrowers have experienced issues such as misapplied payments, inflated balances, and false reporting to credit bureaus. \n\nThese accounts must be removed from my credit report, they're showing a payment history which is INVALID I never paid a student loan a day in my life which means this is inaccurately reporting.\n\nNote : It is important to note that class action lawsuits are ongoing legal proceedings, and the allegations have not been proven in court. not to mention the Ferpa violation, and XXXX violating student education records, Tax data, and personal information. XXXX has violated ferpa by accessing student loan data. \n\nPlease handle this investigation properly thank you for you attention and time. \n\nThank you, XXXX XXXX","date_sent_to_company":"2025-05-20T15:52:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60827","tags":null,"has_narrative":true,"complaint_id":"13622090","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-20T15:51:40.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Breaching</em> Servicing Agreements and Violating Laws : Another <em>lawsuit</em>, <em>filed</em> by, <em>alleges</em> that <em>XXXX</em> <em>breached</em> its servicing agreement with the federal government. \nThis <em>lawsuit</em> claims that student borrowers are intended third-party beneficiaries of the agreement and were harmed by <em>XXXX</em> 's <em>XXXX</em>. \nIt also <em>alleges</em> that <em>XXXX</em> violated state and federal laws in its loan servicing practices. \n\n\n<em>XXXX</em>."]},"sort":[16.622005,"13622090"]},{"_index":"complaint-public-v1","_id":"3497458","_score":16.520224,"_source":{"product":"Debt collection","complaint_what_happened":"I received documents from Calvary Portfolio in response to a complaint I filed with the CFPB recently, stating that this company did not provided me with evidence that the account they allege, is actually my responsibility. \n\nIn response to this complaint, Calvary Portfolio sent me one document with the name XXXX XXXX XXXX, XXXX Az, as well as a single statement without any name on it, and documents which shows they purchased this account from the original lender, as a secondary collection agency. I have a son, also XXXX XXXX XXXX, who lived at the same address in XXXX Az. An original contract is necessary to distinguish between which XXXX XXXX XXXX this account might belong to, if it belongs to either of us at all. \n\nThe documents they sent to me in response to the CFPB investigation do not meet the requirements for proving the debt is mine. If they are alleging a breach of contract from where they will seek a judgment, Arizona law requires that a signed contract between the original lender and the borrower be presented in a breach of contract dispute. \n\nCalvary Portfolio did not send me the original contract and I must assume that as a secondary collection agency, they do not have the original contract signed by me and the original lender. \n\nIn Arizona, in order to prove that a breach of written contract has taken place, the actual contract with the debtors signature must be on the contract. If there is no contract, there is no valid claim for breach of contract. \n\nApparently the original cardholder agreement for this alleged debt, states that \" Arizona law shall control, '' and, since the contract alleged by Calvary Portfolio does not exist, and this contract was not signed by either party, whatever agreement might have existed, must be an oral contract. Since the statute of limitations for oral contracts in Arizona is three years and since Calvary Portfolio 's claim is nearly four years after the date of the last transaction, their case is time barred.\n\nCalvary Portfolio has already violated my rights under the CFPB rules by not notifying me before collection efforts began, and now they are continuing to violate my rights by seeking to prosecute a case against me without the original contract required by Arizona law. I am in consultation with an attorney regarding the filing of a lawsuit against Calvary Portfolio in this matter.\n\nI am requesting that Calvary Portfolio cease and desist from all collection efforts in this alleged debt that they have brought against me. I want Calvary Portfolio to remove this alleged debt from all of my credit reports. I want Calvary Portfolio to end any collection efforts, including any future lawsuit that may be filed at an court in Arizona.\n\nWhen I receive a letter of confirmation that these matters have been closed and the case listed above is dismissed, I will cease with my lawsuit and we will consider this matter closed. \n\nI expect an answer to this letter no later than XX/XX/2020, so I may proceed accordingly.","date_sent_to_company":"2020-01-22T18:18:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"85022","tags":null,"has_narrative":true,"complaint_id":"3497458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAVALRY INVESTMENTS, LLC","date_received":"2020-01-15T20:08:37.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am in consultation with an attorney regarding the <em>filing</em> of a <em>lawsuit</em> against Calvary Portfolio in this matter.\n\nI am requesting that Calvary Portfolio cease and desist from all collection efforts in this <em>alleged</em> debt that they have brought against me. I want Calvary Portfolio to remove this <em>alleged</em> debt from all of my credit reports. I want Calvary Portfolio to end any collection efforts, including any future <em>lawsuit</em> that may be <em>filed</em> at an court in Arizona."]},"sort":[16.520224,"3497458"]},{"_index":"complaint-public-v1","_id":"12424281","_score":16.43833,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Class action lawsuit over XX/XX/XXXX data breach A consumer filed a class action lawsuit in XX/XX/XXXX, alleging that Ally Financial failed to protect the PII of 4.2 million customers. The lawsuit claims that Ally and its debt collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), failed to protect customer information. \n\nMy information was not protected and all of the amounts and payments listed are incorrect. Legally, my information should not be on my credit anyway. I want it taken down. XXXX has already taken it off. Im waiting for XXXX now. XXXX always gives me a hard time and it should have been taken down the first dispute.","date_sent_to_company":"2025-03-11T08:27:54.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"980XX","tags":null,"has_narrative":true,"complaint_id":"12424281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-03-11T08:20:29.000Z","state":"WA","company_public_response":null,"sub_issue":"Voluntary repossession"},"highlight":{"complaint_what_happened":["Class action <em>lawsuit</em> over XX/XX/<em>XXXX</em> data <em>breach</em> A consumer <em>filed</em> a class action <em>lawsuit</em> in XX/XX/<em>XXXX</em>, <em>alleging</em> that Ally Financial failed to protect the PII of 4.2 million customers. The <em>lawsuit</em> claims that Ally and its debt collection agency, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  ), failed to protect customer information. \n\nMy information was not protected and all of the amounts and payments listed are incorrect. Legally, my information should not be on my credit anyway."]},"sort":[16.43833,"12424281"]},{"_index":"complaint-public-v1","_id":"3496426","_score":16.164211,"_source":{"product":"Debt collection","complaint_what_happened":"I previously filed a complaint with Capital One Bank regarding the collection of debt. I requested that Capital One Bank prove the debt they allege, is my responsibility. I received a letter from Capital One Bank stating that they do not have the original contract with my signature. I am enclosing that letter. I sent a letter to Capital One Bank and stated the following : Dear XXXX, I received your letter dated XX/XX/XXXX, on XX/XX/XXXX, regarding my complaint filed with the CFPB. I did not state that this account was opened without my permission, I stated that Capital One Bank has me confused with my son, also XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX, Arizona, XXXX. \n\nSince there is no contract with my signature on the document, there is no possibility of differentiating between my son and myself. If you have the original contract with my signature on this document, please forward it to me immediately. During the time that you allege I opened this account, I was in the hospital recovering from a serious XXXX XXXX. \n\nYou stated in your letter to me that the account was opened online, there is no application copy to provide you. \n\nThe lawsuit filed by your attorney, XXXX XXXX XXXX, at the court in XXXX, Arizona, under the allegation that a breach of contract has occurred, is incorrect. In Arizona, in order to prove that a breach of written contract has taken place, the actual contract with the debtors signature must be on the contract. If there is no contract as you stated in your letter, there is no valid claim of breach of contract. \n\nApparently the Capital One cardholder agreement states that Arizona law shall control, and, since the contract alleged by you and is now admitted to not exist, and not signed by either party,  whatever agreement might have existed between myself and Capital One must be an oral contract. Since the statute of limitations for oral contracts in Arizona is three years and since Capital Ones lawsuit was filed three and a half years after the date of the last transaction, Capital Ones case is also time barred. \n\nCapital One Bank has violated my rights under the CFPB rules and is therefore liable for damages to my good name. I am in consultation with an attorney regarding the filing of a law suit against Capital One Bank in this matter. \n\nI am requesting in this letter by formal demand that Capital One Bank cease and desist from all collection efforts in this alleged debt that you have brought against me. I want Capital One Bank to petition the court where the lawsuit is filed and ask the court to dismiss the case and vacate the judgment that has been instituted. The case number is : XXXX. \n\nWhen I receive a letter of confirmation that these matters have been closed and the case listed above is dismissed and the judgment vacated, I will cease with my lawsuit and we will consider this matter closed. \n\nI expect an answer to this letter no later than XX/XX/XXXX, so I may proceed accordingly. XXXX XXXX XXXX","date_sent_to_company":"2020-01-15T05:24:39.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"85022","tags":null,"has_narrative":true,"complaint_id":"3496426","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-01-15T00:11:56.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["During the time that you <em>allege</em> I opened this account, I was in the hospital recovering from a serious <em>XXXX</em> <em>XXXX</em>. \n\nYou stated in your letter to me that the account was opened online, there is no application copy to provide you. \n\nThe <em>lawsuit</em> <em>filed</em> by your attorney, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, at the court in <em>XXXX</em>, Arizona, under the allegation that a <em>breach</em> of contract has occurred, is incorrect."]},"sort":[16.164211,"3496426"]},{"_index":"complaint-public-v1","_id":"9995140","_score":16.161608,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"You may have never heard of XXXX XXXX XXXX, yet your personal information may have been compromised in the companys recent massive data breach. \n\nThe background check company, which is owned by XXXX XXXX XXXX, recently released details of the breach after a proposed class action lawsuit alleged XXXX XXXX  personal records may have been exposed. Other reports suggest the amount of records leaked may have been more than XXXX XXXX. \n\nIn an official data breach notice filed in Maine, XXXX XXXX XXXX indicated XXXX million records may have been breached, said XXXX XXXX XXXX, chief operating officer at XXXX XXXX XXXX XXXX, a non-profit organization focused on mitigating risks of identity breaches and theft. \n\nXXXX XXXX XXXX","date_sent_to_company":"2024-09-02T06:44:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"402XX","tags":null,"has_narrative":true,"complaint_id":"9995140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-02T06:44:00.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["You may have never heard of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, yet your personal information may have been compromised in the companys recent massive data <em>breach</em>. \n\nThe background check company, which is owned by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, recently released details of the <em>breach</em> after a proposed class action <em>lawsuit</em> <em>alleged</em> <em>XXXX</em> <em>XXXX</em>  personal records may have been exposed. Other reports suggest the amount of records leaked may have been more than <em>XXXX</em> <em>XXXX</em>."]},"sort":[16.161608,"9995140"]},{"_index":"complaint-public-v1","_id":"9995142","_score":16.157127,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"You may have never heard of XXXX XXXX XXXX, yet your personal information may have been compromised in the companys recent massive data breach. \n\nThe background check company, which is owned by XXXX XXXX XXXX, recently released details of the breach after a proposed class action lawsuit alleged XXXX XXXXXXXX personal records may have been exposed. Other reports suggest the amount of records leaked may have been more than XXXX XXXXXXXX. \n\nIn an official data breach notice filed in Maine, XXXX XXXX XXXX indicated XXXX XXXXXXXX  records may have been breached, said XXXX XXXX XXXX, chief operating officer at Identity Theft Resource Center, a non-profit organization focused on mitigating risks of identity breaches and theft. \n\nXXXX XXXX XXXX","date_sent_to_company":"2024-09-02T06:44:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"402XX","tags":null,"has_narrative":true,"complaint_id":"9995142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-02T06:44:00.000Z","state":"KY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["You may have never heard of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, yet your personal information may have been compromised in the companys recent massive data <em>breach</em>. \n\nThe background check company, which is owned by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, recently released details of the <em>breach</em> after a proposed class action <em>lawsuit</em> <em>alleged</em> <em>XXXX</em> XXXXXXXX personal records may have been exposed. Other reports suggest the amount of records leaked may have been more than <em>XXXX</em> XXXXXXXX."]},"sort":[16.157127,"9995142"]},{"_index":"complaint-public-v1","_id":"13520282","_score":15.891811,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/scrub>XXXX XXXX XXXX this DEBT Collector has filed lawsuit under Johnson Mark Attorney at Law. I have sent certified priority mail request.\n\nThis Debt Collector Johnson Mark Debt collection Attorney has also filed UNREDACTED personal information to include SSN in public record of court. However, can not furnish any bill of sale, assignment of title and alleges Breach of Contract with its Client XXXX XXXX, that I never did business with or agreed to do business with.","date_sent_to_company":"2025-05-15T00:28:36.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"77066","tags":null,"has_narrative":true,"complaint_id":"13520282","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Johnson Mark LLC","date_received":"2025-05-15T00:13:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["XX/XX/scrub><em>XXXX</em> <em>XXXX</em> <em>XXXX</em> this DEBT Collector has <em>filed</em> <em>lawsuit</em> under Johnson Mark Attorney at Law. I have sent certified priority mail request.\n\nThis Debt Collector Johnson Mark Debt collection Attorney has also <em>filed</em> UNREDACTED personal information to include SSN in public record of court. However, can not furnish any bill of sale, assignment of title and <em>alleges</em> <em>Breach</em> of Contract with its Client <em>XXXX</em> <em>XXXX</em>, that I never did business with or agreed to do business with."]},"sort":[15.891811,"13520282"]},{"_index":"complaint-public-v1","_id":"9995594","_score":15.88644,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"You may have never heard of XXXX XXXX XXXX, yet your personal information may have been compromised in the companys recent massive data breach. \n\nThe background check company, which is owned by XXXX XXXX XXXX, recently released details of the breach after a proposed class action lawsuit alleged XXXX XXXX personal records may have been exposed. Other reports suggest the amount of records leaked may have been more than XXXX XXXX. \n\nIn an official data breach notice filed in XX/XX/XXXX XXXX XXXX XXXX indicated XXXX XXXX records may have been breached, said XXXX XXXX XXXX,XX/XX/XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX focused on mitigating riskXXXX  of identity breaches and theft. \n\nXXXX XXXX XXXX","date_sent_to_company":"2024-09-02T06:43:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"402XX","tags":null,"has_narrative":true,"complaint_id":"9995594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-02T06:22:18.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["You may have never heard of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, yet your personal information may have been compromised in the companys recent massive data <em>breach</em>. \n\nThe background check company, which is owned by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, recently released details of the <em>breach</em> after a proposed class action <em>lawsuit</em> <em>alleged</em> <em>XXXX</em> <em>XXXX</em> personal records may have been exposed. Other reports suggest the amount of records leaked may have been more than <em>XXXX</em> <em>XXXX</em>."]},"sort":[15.88644,"9995594"]},{"_index":"complaint-public-v1","_id":"14310794","_score":15.4369135,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Lawsuit Filed by Velocity Investments LLC in Violation of Arbitration Agreement To Whom It May Concern, I am writing to file a formal complaint against Velocity Investments , LLC and XXXX XXXX XXXX regarding a legal action currently being taken against me in connection to a consumer debt. \n\nVelocity Investments , LLC has filed a lawsuit against me for a debt they allege to have purchased from XXXX XXXX XXXX XXXX However, the original agreement with XXXX includes a binding arbitration clause, which explicitly prohibits litigation in court for debt resolution and instead requires arbitration as the sole method of dispute resolution. \n\nBy initiating this lawsuit, Velocity Investments , LLC is in clear violation of this binding arbitration agreement. Furthermore, as the original creditor, XXXX XXXX XXXX may also be complicit in this breach of contract, depending on the terms under which they sold or assigned the debt. \n\nI intend to take legal action against both parties for violating the terms of the arbitration agreement. Their actions are not only in breach of contract, but they also raise serious concerns regarding deceptive or unfair collection practices. \n\nFor your reference, I have attached a copy of the court summons I received from Velocity Investments , LLC, as well as a copy of the original arbitration agreement from XXXX XXXX XXXX XXXX \n\nI request that the CFPB review this matter and investigate any potential violations of consumer protection laws by both parties involved. \n\nThank you for your attention to this matter. Please contact me if further information is needed. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-26T21:17:07.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"45238","tags":"Older American","has_narrative":true,"complaint_id":"14310794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Velocity Portfolio Group","date_received":"2025-06-26T21:00:49.000Z","state":"OH","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["Velocity Investments , LLC has <em>filed</em> a <em>lawsuit</em> against me for a debt they <em>allege</em> to have purchased from <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> However, the original agreement with <em>XXXX</em> includes a binding arbitration clause, which explicitly prohibits litigation in court for debt resolution and instead requires arbitration as the sole method of dispute resolution. \n\nBy initiating this <em>lawsuit</em>, Velocity Investments , LLC is in clear violation of this binding arbitration agreement."],"sub_issue":["Sued you without properly notifying you of <em>lawsuit</em>"]},"sort":[15.4369135,"14310794"]},{"_index":"complaint-public-v1","_id":"4171122","_score":15.289252,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX has reported my account late from XX/XX/XXXX-XX/XX/XXXX. I filed for covid 19 assistance with XXXX to move the payments from XX/XX/2020 to the end of my balance yet XXXX continues to report late to the credit bureaus. I have copies of every payment made to XXXX which I have paid on time. I have contacted XXXX CEO and was told they will not remove them even though I have proof they were not late! XXXX is currently involved in two class action lawsuits regarding violations of the Telephone Consumer Protection Act ( TCPA ) as well as the Fair Debt Collection Practices Act. The lawsuit also alleges XXXX breached its own contracts by charging improper fees. I have been told I dont qualify by the AG office even though I received my car in the time frame listed in the lawsuit. I just want the late payments removed from my credit and reporting correcting!","date_sent_to_company":"2021-02-27T20:48:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"4171122","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-02-27T20:48:22.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> is currently involved in two class action <em>lawsuits</em> regarding violations of the Telephone Consumer Protection Act ( TCPA ) as well as the Fair Debt Collection Practices Act. The <em>lawsuit</em> also <em>alleges</em> <em>XXXX</em> <em>breached</em> its own contracts by charging improper fees. I have been told I dont qualify by the AG office even though I received my car in the time frame listed in the <em>lawsuit</em>. I just want the late payments removed from my credit and reporting correcting!"]},"sort":[15.289252,"4171122"]},{"_index":"complaint-public-v1","_id":"4171126","_score":15.281814,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX has reported my account late from XX/XX/2020-XX/XX/2020. I filed for covid 19 assistance with XXXX to move the payments from MXX/XX/2020 to the end of my balance yet XXXX continues to report late to the credit bureaus. I have copies of every payment made to XXXX which I have paid on time. I have contacted XXXX CEO and was told they will not remove them even though I have proof they were not late! XXXX is currently involved in two class action lawsuits regarding violations of the Telephone Consumer Protection Act ( TCPA ) as well as the Fair Debt Collection Practices Act. The lawsuit also alleges XXXX breached its own contracts by charging improper fees. I have been told I dont qualify by the AG office even though I received my car in the time frame listed in the lawsuit. I just want the late payments removed from my credit and reporting correcting!","date_sent_to_company":"2021-02-27T20:48:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"4171126","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-27T20:48:22.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> is currently involved in two class action <em>lawsuits</em> regarding violations of the Telephone Consumer Protection Act ( TCPA ) as well as the Fair Debt Collection Practices Act. The <em>lawsuit</em> also <em>alleges</em> <em>XXXX</em> <em>breached</em> its own contracts by charging improper fees. I have been told I dont qualify by the AG office even though I received my car in the time frame listed in the <em>lawsuit</em>. I just want the late payments removed from my credit and reporting correcting!"]},"sort":[15.281814,"4171126"]},{"_index":"complaint-public-v1","_id":"14033511","_score":15.108237,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Complaint and Debt Dispute Regarding Illegal Lawsuit Identity Theft Victim To : Consumer Financial Protection Bureau ( CFPB ) Cc : CKS Prime Investments LLC Dear CFPB, My name is XXXX XXXX, and I am writing to file a formal complaint against CKS Prime Investments LLC, who has wrongfully filed a lawsuit against me regarding a debt that does not belong to me. \n\nOn XX/XX/XXXX, a lawsuit ( Court Case XXXX XXXX XXXXXXXX ) was filed in XXXX XXXX XXXX XXXX in my name by CKS Prime Investments LLC. I was made aware of this court case recently, and I am absolutely shocked, as this debt is not mine, nor do I have any knowledge of its origin or ownership. \n\nI am a documented victim of identity theft and was also affected by the XXXX  data breach, which compromised sensitive personal information of over XXXX XXXX Americans, including mine. Due to this breach, my information may have been used fraudulently, and I have been taking steps to correct and monitor my credit ever since.\n\nUnder the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to dispute any debt I do not owe, and any attempt to collect a debt without proper verification is a violation of federal law. Additionally, filing a lawsuit without validating the debt first is a violation of the Fair Credit Reporting Act ( FCRA ) and can be considered an unfair and deceptive practice under the Consumer Financial Protection Act of XXXX. \n\nI am formally disputing this debt and demanding that CKS Prime Investments LLC : Immediately cancel and withdraw the lawsuit filed in XXXX XXXX XXXX XXXX. \n\nCease all collection activities regarding this matter. \n\nProvide a full and complete validation of the alleged debt, including a signed agreement, chain of custody, and itemized charges showing how this debt is tied to me. \n\nIf this issue is not resolved promptly and the lawsuit is not nullified, I will pursue my own legal action for damages, including but not limited to violations of the FDCPA, FCRA, and the Consumer Protection Act. \n\nPlease confirm receipt of this dispute, and I request a written response within 30 days, as required by law. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-06-13T01:51:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"14033511","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Velocity Portfolio Group","date_received":"2025-06-13T01:27:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, a <em>lawsuit</em> ( Court Case <em>XXXX</em> <em>XXXX</em> XXXXXXXX ) was <em>filed</em> in <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> in my name by CKS Prime Investments LLC. I was made aware of this court case recently, and I am absolutely shocked, as this debt is not mine, nor do I have any knowledge of its origin or ownership. \n\nI am a documented victim of identity theft and was also affected by the <em>XXXX</em>  data <em>breach</em>, which compromised sensitive personal information of over <em>XXXX</em> <em>XXXX</em> Americans, including mine."]},"sort":[15.108237,"14033511"]},{"_index":"complaint-public-v1","_id":"12085226","_score":15.041228,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filled a dispute on XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to Federal Law 15 U.S Code 6802, no financial institution can share my non public information with a third party entity. Given the severity of this breach and the resulting compromise, I requested they immediately cancel and discharge this debt as I have no federal obligation to this debt. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! XXXX XXXX XXXX has not attempted to remove, nor correct any information. Given the severity of this breach and the resulting compromise, I request that they immediately cancel and discharge this debt in full as it is affecting my chances of getting a house and car, XXXX XXXX XXXX violates my rights as a consumer, as well as federal laws. The breach violates the contract and renders it null and void.","date_sent_to_company":"2025-02-21T22:22:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"12085226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"W&A Intermediate Co., LLC","date_received":"2025-02-14T15:51:21.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I filled a dispute on <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> due to Federal Law 15 U.S Code 6802, no financial institution can share my non public information with a third party entity. Given the severity of this <em>breach</em> and the resulting compromise, I requested they immediately cancel and discharge this debt as I have no federal obligation to this debt. <em>XXXX</em> denied to follow up with the investigation. I recently was notified that CFPB has <em>filed</em> a <em>lawsuit</em> against the company ( <em>XXXX</em> )."]},"sort":[15.041228,"12085226"]},{"_index":"complaint-public-v1","_id":"11532839","_score":15.032322,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute on XXXX XXXX XXXX due to inaccurate information on report. I filed a dispute on multiple items on my credit due to my information being exposed in the XXXX and equifax data breach and they have failed to correct anything on my credit. Some of these accounts are not mine! XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX \nThey alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car. XXXX and Equifax violates my rights as a consumer, as well as federal laws.","date_sent_to_company":"2025-01-16T09:43:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99205","tags":null,"has_narrative":true,"complaint_id":"11532839","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-16T09:43:42.000Z","state":"WA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>filed</em> a dispute on <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> due to inaccurate information on report. I <em>filed</em> a dispute on multiple items on my credit due to my information being exposed in the <em>XXXX</em> and equifax data <em>breach</em> and they have failed to correct anything on my credit. Some of these accounts are not mine! <em>XXXX</em> denied to follow up with the investigation."]},"sort":[15.032322,"11532839"]},{"_index":"complaint-public-v1","_id":"11532291","_score":14.978631,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute on XXXX XXXX XXXX due to inaccurate information on report. I filed a dispute on multiple items on my credit due to my information being exposed in the experian and XXXX data breach and they have failed to correct anything on my credit. Some of these accounts are not mine! Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company experian. \nThey alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car. Experian and XXXX violates my rights as a consumer, as well as federal laws.","date_sent_to_company":"2025-01-16T09:43:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99205","tags":null,"has_narrative":true,"complaint_id":"11532291","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T09:15:40.000Z","state":"WA","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 <em>filed</em> a dispute on <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> due to inaccurate information on report. I <em>filed</em> a dispute on multiple items on my credit due to my information being exposed in the experian and <em>XXXX</em> data <em>breach</em> and they have failed to correct anything on my credit. Some of these accounts are not mine! Experian denied to follow up with the investigation. I recently was notified that CFPB has <em>filed</em> a <em>lawsuit</em> against the company experian."]},"sort":[14.978631,"11532291"]},{"_index":"complaint-public-v1","_id":"11821871","_score":14.923199,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute on Account number : XXXX with XXXX due to unauthorized credit inquiries on my report, which I believe were the result of a data breach. XXXX denied to follow up with the investigation despite my concerns. Recently, I was notified that the CFPB has filed a lawsuit against XXXX, alleging the company of accepting unreliable information and failing to notify consumers of dispute results. This situation aligns well with mine, as XXXX has not attempted to remove or correct any inaccurate information on my credit report, particularly the unauthorized credit inquiries tied to my account. \n\nAs a result, my credit has been negatively affected, and this is severely impacting my chances of securing [ a house, a car, etc. ]. XXXX failure to rectify this issue constitutes a violation of my rights as a consumer, as well as a breach of federal laws. I am requesting that the derogatory remark be removed or corrected immediately, as it continues to harm my financial opportunities and creditworthiness.","date_sent_to_company":"2025-01-29T00:51:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"11821871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-01-29T00:08:37.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>filed</em> a dispute on Account number : <em>XXXX</em> with <em>XXXX</em> due to unauthorized credit inquiries on my report, which I believe were the result of a data <em>breach</em>. <em>XXXX</em> denied to follow up with the investigation despite my concerns. Recently, I was notified that the CFPB has <em>filed</em> a <em>lawsuit</em> against <em>XXXX</em>, <em>alleging</em> the company of accepting unreliable information and failing to notify consumers of dispute results."]},"sort":[14.923199,"11821871"]},{"_index":"complaint-public-v1","_id":"12837166","_score":14.874583,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute on XXXXXXXX XXXX, Acct # : XXXX and XXXX XXXX XXXX Acct # XXXX according to my Experian report. I filed the dispute due to having no knowledge of this account or any account with with this company. Experian denied to follow up with the investigation. I was notified that CFPB filed a lawsuit against Experian. They alleged the company of accepting unreliable information, and failure to notify consumers of dispute results. This aligns with my situation! Experian has not attempted to remove or correct several inaccuracies on my credit report including incorrect variations of my name ( multiple last names that I never had ), a wrong social security number ( there are two listed ), and addresses that dont belong to me. Im requesting these derogatory accounts be removed immediately as it is affecting my ability to obtain housing. Experian is violating my rights as a consumer as well as federal laws. I was also one of many people whose personal information was breached in Experians data breach.","date_sent_to_company":"2025-04-06T04:34:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"12837166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-06T04:01:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>filed</em> a dispute on XXXXXXXX <em>XXXX</em>, Acct # : <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Acct # <em>XXXX</em> according to my Experian report. I <em>filed</em> the dispute due to having no knowledge of this account or any account with with this company. Experian denied to follow up with the investigation. I was notified that CFPB <em>filed</em> a <em>lawsuit</em> against Experian. They <em>alleged</em> the company of accepting unreliable information, and failure to notify consumers of dispute results. This aligns with my situation!"]},"sort":[14.874583,"12837166"]},{"_index":"complaint-public-v1","_id":"12018879","_score":14.789415,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filled a dispute on XXXXXXXX XXXX XXXX XXXX that starts with XXXX due to Federal Law 15 U.S Code 6802, no financial institution can share my non public information with a third party entity. Given the severity of this breach and the resulting compromise, I requested they immediately cancel and discharge this debt as I have no federal obligation to this debt. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! XXXX has not attempted to remove, nor correct any information. Given the severity of this breach and the resulting compromise, I request that they immediately cancel and discharge this debt in full as it is affecting my chances of getting a house and car, XXXX violates my rights as a consumer, as well as federal laws.","date_sent_to_company":"2025-02-10T19:53:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"12018879","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lockhart, Morris & Montgomery Inc.","date_received":"2025-02-10T19:27:57.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I filled a dispute on XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> that starts with <em>XXXX</em> due to Federal Law 15 U.S Code 6802, no financial institution can share my non public information with a third party entity. Given the severity of this <em>breach</em> and the resulting compromise, I requested they immediately cancel and discharge this debt as I have no federal obligation to this debt. <em>XXXX</em> denied to follow up with the investigation. I recently was notified that CFPB has <em>filed</em> a <em>lawsuit</em> against the company ( <em>XXXX</em> )."]},"sort":[14.789415,"12018879"]},{"_index":"complaint-public-v1","_id":"11623318","_score":14.78122,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This journey started over a year ago with TransUnion reporting erroneous information such as account information, and absolutely nothing was happening as far as removing the account information. I have even mailed in police reports regarding the accounts consecutively from XX/XX/XXXX through XX/XX/XXXX, only for TransUnion to constantly say that the accounts were verified and validated. I am filing this complaint against TransUnion due to the issues with the data breach at XXXX and lawsuit against XXXX due to the recent misconduct on their part. \n\nI am asking that they remove the listed accounts that are enclosed that I disputed and my personal information on my report. The CFPB has recently filed a lawsuit against XXXX, alleging issues such failing to forward Consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes which fall in line with my complaint with all three credit bureaus and the data breach. This has been admitted by the bureaus that they have not removed the listed accounts or personal information, also under the 605 ( b ) FCRA the bureaus had only 4 days to correct these errors. These are the accounts previously disputed with TransUnion. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-19T20:36:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60586","tags":null,"has_narrative":true,"complaint_id":"11623318","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-19T20:14:19.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The CFPB has recently <em>filed</em> a <em>lawsuit</em> against <em>XXXX</em>, <em>alleging</em> 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