{"took":132,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":64,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18882055","_score":11.477233,"_source":{"product":"Checking or savings account","complaint_what_happened":"This letter is in response to the letter dated XX/XX/2026, authored by XXXX XXXX, identified as an escalation representative. \n\nIn that letter, XXXX states that in order to purchase a cashiers check, a customer is only required to present a valid government issued identification and have an active Wells Fargo account with sufficient fully posted funds. The teller is to confirm the account balance, the payee name, and the exact amount. I complied with all of these requirements.\n\nThe letter further claims that Wells Fargo performed a one pass verification code to confirm my identity. This is false. No passcode was ever sent to me, requested from me, or mentioned to me at any point during the interaction.\n\nWhat actually occurred was that I was asked when the last deposit was made and by whom. I answered that the deposit was made by me and originated from another financial institution where I maintain accounts. Wells Fargo is not my only bank. I hold accounts with multiple financial institutions, including XXXX, XXXX XXXX, and XXXX. I also answered additional questions regarding the deposit amount when asked. \n\nAt a later point, I was asked for my phone number. I questioned why it was needed since it is already associated with my account. At no time did the teller request verification of the number or initiate any passcode process. No verification code of any kind was used, despite what is stated in the letter.\n\nI requested to speak with a manager. A manager was never called, despite my request being made more than once. Instead, another teller was brought over. When I asked whether she was a manager or familiar with bank policy, she stated that she could explain the policy to me. \n\nThe letter falsely states that I requested access to a secured computer. That did not occur. The desk she referenced had a computer that was turned off, and at no point did she attempt to show me, access, or reference a computer. We were standing during this interaction, did not sit down, and did not review any system or screen.\n\nThe second teller later provided me with her business card while we were standing and walking to another desk. A manager was still never involved. I again questioned why I was speaking with a teller instead of a manager and received no response.\n\nI was then told that this same teller could file a complaint on my behalf. This was inappropriate, as she was one of the individuals whose conduct I was attempting to report. \n\nThe account of events described in XXXX letter is inaccurate and misleading. It reflects a narrative that did not occur and contradicts what I explained directly during our conversation. Because the facts were being misrepresented, I ended the call.","date_sent_to_company":"2026-01-21T05:31:50.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"90065","tags":null,"has_narrative":true,"complaint_id":"18882055","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-21T05:20:47.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I questioned why it was <em>needed</em> since it is already associated with my account. At no time did the teller request <em>verification</em> of the number or initiate any passcode process. No <em>verification</em> code of any kind was used, despite what is stated in the letter.\n\nI requested to speak with a manager. A manager was never called, despite my request being made more than once. Instead, another teller was brought over."]},"sort":[11.477233,"18882055"]},{"_index":"complaint-public-v1","_id":"17062960","_score":11.421072,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"multiple violations of the fair credit reporting act and FDRA, cease and desist letters were sent regarding this matter and related such as unethical, and non-valid adddress and residency reporting placing me places i've never lived and willingly placing XXXX dollars in debt upon my credit report when it is the duty of the XXXX. to retrieve restitution from the suspect convicted in my XXXXXXXX XXXX XXXX XXXX victimization additionally the medical bills stemming from the t-bone by allsate driver XXXX XXXX XXXX XXXX about XX/XX/year> traumatic XXXX XXXX sustained substantial impact to my XXXX  and XXXX column, XXXX was responsible under umbrella policy of the figarottas, so XXXX in medical bills falsely reported as bills i'm ' responsible for which is not the case then, causing this info as well as other unverfied and non-valid info to be on my XXXX bureau reports such as accounts that are not mine and have stated these things too and proven how they are identity theft but not removed so they are retaliating on me by denying any forms of lending or credit to me for loans auto purchase financing anything.because i've made formal statement sand complaints regarding this injustice that is causing backlash, adverse decisions and ntially barring me from fair oppourtunities available to me as a consumer because the debt from the medical bills is not my responsibility but that of they actors who caused irreperable damages to my physical health and or body all these bills need to be shifted to the actual responsible parties freeing me up and alleviating my credit reports and debt ratios causing me to be not eligible for certain provisions or rights due to unfair reporting by these credit reporting agencies who are sharing and saleing false unverified information pertaining to me and my credibility. knowingly and willingly in efforts to undermine and shift the accountability on them to show as my inability or insolvency clearing the path for the sabotage to be believable and in concert with the design the false reporting is causing and narrative it signals or insinuates. verifying the sources of misinformation is the law especially when it is tied to potential financial insolvancy or deliquent accounts not required of me too pay but to the persons responsible for me even needing medical attention. which are the XXXX suspects i.e resposible parties, well known to bureacracies and the agenda as factual victimization and collisions of no-fault toi me","date_sent_to_company":"2025-11-07T00:42:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89145","tags":"Servicemember","has_narrative":true,"complaint_id":"17062960","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-07T00:42:28.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["and in concert with the design the false reporting is causing and <em>narrative</em> it signals or insinuates. <em>verifying</em> the sources of misinformation is the law especially when it is tied to potential financial insolvancy or deliquent accounts not required of me too pay but to the persons responsible for me even <em>needing</em> medical attention. which are the XXXX suspects i.e resposible parties, well known to bureacracies and the agenda as factual victimization and collisions of no-fault toi me"]},"sort":[11.421072,"17062960"]},{"_index":"complaint-public-v1","_id":"17065182","_score":11.419479,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"multiple violations of the fair credit reporting act and FDRA, cease and desist letters were sent regarding this matter and related such as unethical, and non-valid adddress and residency reporting placing me places i've never lived and willingly placing XXXX dollars in debt upon my credit report when it is the duty of the XXXX. to retrieve restitution from the suspect convicted in my XXXXXXXX XXXX XXXX XXXX victimization additionally the medical bills stemming from the t-bone by allsate driver XXXX XXXX XXXX XXXX about XX/XX/year> traumatic XXXX XXXX sustained substantial impact to my XXXX  and XXXX column, XXXX was responsible under umbrella policy of the figarottas, so XXXX in medical bills falsely reported as bills i'm ' responsible for which is not the case then, causing this info as well as other unverfied and non-valid info to be on my XXXX bureau reports such as accounts that are not mine and have stated these things too and proven how they are identity theft but not removed so they are retaliating on me by denying any forms of lending or credit to me for loans auto purchase financing anything.because i've made formal statement sand complaints regarding this injustice that is causing backlash, adverse decisions and ntially barring me from fair oppourtunities available to me as a consumer because the debt from the medical bills is not my responsibility but that of they actors who caused irreperable damages to my physical health and or body all these bills need to be shifted to the actual responsible parties freeing me up and alleviating my credit reports and debt ratios causing me to be not eligible for certain provisions or rights due to unfair reporting by these credit reporting agencies who are sharing and saleing false unverified information pertaining to me and my credibility. knowingly and willingly in efforts to undermine and shift the accountability on them to show as my inability or insolvency clearing the path for the sabotage to be believable and in concert with the design the false reporting is causing and narrative it signals or insinuates. verifying the sources of misinformation is the law especially when it is tied to potential financial insolvancy or deliquent accounts not required of me too pay but to the persons responsible for me even needing medical attention. which are the XXXX suspects i.e resposible parties, well known to bureacracies and the agenda as factual victimization and collisions of no-fault toi me","date_sent_to_company":"2025-11-07T00:42:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89145","tags":"Servicemember","has_narrative":true,"complaint_id":"17065182","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-06T22:55:17.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["and in concert with the design the false reporting is causing and <em>narrative</em> it signals or insinuates. <em>verifying</em> the sources of misinformation is the law especially when it is tied to potential financial insolvancy or deliquent accounts not required of me too pay but to the persons responsible for me even <em>needing</em> medical attention. which are the XXXX suspects i.e resposible parties, well known to bureacracies and the agenda as factual victimization and collisions of no-fault toi me"]},"sort":[11.419479,"17065182"]},{"_index":"complaint-public-v1","_id":"17062961","_score":11.419479,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"multiple violations of the fair credit reporting act and FDRA, cease and desist letters were sent regarding this matter and related such as unethical, and non-valid adddress and residency reporting placing me places i've never lived and willingly placing XXXX dollars in debt upon my credit report when it is the duty of the XXXX. to retrieve restitution from the suspect convicted in my XXXXXXXX XXXX XXXX XXXX victimization additionally the medical bills stemming from the t-bone by allsate driver XXXX XXXX XXXX XXXX about XX/XX/year> traumatic XXXX XXXX sustained substantial impact to my XXXX  and XXXX column, XXXX was responsible under umbrella policy of the figarottas, so XXXX in medical bills falsely reported as bills i'm ' responsible for which is not the case then, causing this info as well as other unverfied and non-valid info to be on my XXXX bureau reports such as accounts that are not mine and have stated these things too and proven how they are identity theft but not removed so they are retaliating on me by denying any forms of lending or credit to me for loans auto purchase financing anything.because i've made formal statement sand complaints regarding this injustice that is causing backlash, adverse decisions and ntially barring me from fair oppourtunities available to me as a consumer because the debt from the medical bills is not my responsibility but that of they actors who caused irreperable damages to my physical health and or body all these bills need to be shifted to the actual responsible parties freeing me up and alleviating my credit reports and debt ratios causing me to be not eligible for certain provisions or rights due to unfair reporting by these credit reporting agencies who are sharing and saleing false unverified information pertaining to me and my credibility. knowingly and willingly in efforts to undermine and shift the accountability on them to show as my inability or insolvency clearing the path for the sabotage to be believable and in concert with the design the false reporting is causing and narrative it signals or insinuates. verifying the sources of misinformation is the law especially when it is tied to potential financial insolvancy or deliquent accounts not required of me too pay but to the persons responsible for me even needing medical attention. which are the XXXX suspects i.e resposible parties, well known to bureacracies and the agenda as factual victimization and collisions of no-fault toi me","date_sent_to_company":"2025-11-07T00:42:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89145","tags":"Servicemember","has_narrative":true,"complaint_id":"17062961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-07T00:42:28.000Z","state":"NV","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["and in concert with the design the false reporting is causing and <em>narrative</em> it signals or insinuates. <em>verifying</em> the sources of misinformation is the law especially when it is tied to potential financial insolvancy or deliquent accounts not required of me too pay but to the persons responsible for me even <em>needing</em> medical attention. which are the XXXX suspects i.e resposible parties, well known to bureacracies and the agenda as factual victimization and collisions of no-fault toi me"]},"sort":[11.419479,"17062961"]},{"_index":"complaint-public-v1","_id":"14223143","_score":11.065615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a new and separate dispute, submitted based on newly discovered information as of XX/XX/year>. I am disputing the charge-off account reported by XXXX XXXX XXXX account ending in * XXXX ), which appears on my Equifax credit report with a reported balance of {$1400.00}. I assert that I did not authorize or open this account, and it is the result of identity theft or fraud. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 605B, I am formally disputing this account without the need for a police report, as permitted when sufficient identifying documents are provided. To date, neither XXXX XXXX nor Equifax has provided any original signed contractual agreement bearing my signature, proof of consumer authorization, or full account history that would verify the legitimacy of this tradeline. The only materials Ive received consist of generic cardholder agreements and billing statements that I do not recognize neither of which meet the burden of proof under FCRA 609 ( a ) ( 1 ). Without a valid and signed agreement, this account can not be legally validated, and under FCRA 611 ( a ) ( 5 ) ( A ), it must be promptly and permanently removed from my credit file. \nAdditionally, no IRS Form 1099-C has been issued for this account, despite the charged-off balance exceeding {$600.00}, which violates 26 U.S. Code 6050P if the debt was forgiven or canceled. Furthermore, I never authorized any credit inquiry from XXXX XXXX, and no permissible purpose under FCRA 604 ( a ) has been documented. The account also appears to be inaccurately reported in violation of Metro 2 standards. Although the account is marked as XXXX and XXXX XXXX, it still shows a high balance and past due amount, creating conflicting and misleading data. The narrative codes attached ( 167, 067, 065, and 002 ) are vague and unexplained, which violates the FCRAs 607 ( b ) requirement for maximum possible accuracy in reporting. \nI respectfully request that this account be permanently deleted from my credit report and confirmation of the deletion be sent to me in writing. If validation is attempted, all documentation must include the original signed XXXX XXXX XXXX XXXX XXXX XXXX, proof of authorization, and the method of verification.","date_sent_to_company":"2025-06-21T21:54:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30005","tags":"Servicemember","has_narrative":true,"complaint_id":"14223143","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-21T21:46:59.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Although the account is marked as XXXX and XXXX XXXX, it still <em>shows</em> a high balance and past due amount, creating conflicting and misleading data. The <em>narrative</em> codes attached ( 167, 067, 065, and 002 ) are vague and unexplained, which violates the FCRAs 607 ( b ) requirement for maximum possible accuracy in reporting. \nI respectfully request that this account be permanently deleted from my credit report and confirmation of the deletion be sent to me in writing."]},"sort":[11.065615,"14223143"]},{"_index":"complaint-public-v1","_id":"14226145","_score":11.003485,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a new and separate dispute, submitted based on newly discovered information as of XX/XX/year>. I am disputing the charge-off account reported by AMERICAN EXPRESS XXXX account ending in * XXXX ), which appears on my Equifax credit report with a reported balance of {$1400.00}. I assert that I did not authorize or open this account, and it is the result of identity theft or fraud. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 605B, I am formally disputing this account without the need for a police report, as permitted when sufficient identifying documents are provided. To date, neither American Express nor Equifax has provided any original signed contractual agreement bearing my signature, proof of consumer authorization, or full account history that would verify the legitimacy of this tradeline. The only materials Ive received consist of generic cardholder agreements and billing statements that I do not recognize neither of which meet the burden of proof under FCRA 609 ( a ) ( 1 ). Without a valid and signed agreement, this account can not be legally validated, and under FCRA 611 ( a ) ( 5 ) ( A ), it must be promptly and permanently removed from my credit file. \nAdditionally, no IRS XXXX XXXX has been issued for this account, despite the charged-off balance exceeding {$600.00}, which violates 26 U.S. Code 6050P if the debt was forgiven or canceled. Furthermore, I never authorized any credit inquiry from American Express, and no permissible purpose under FCRA 604 ( a ) has been documented. The account also appears to be inaccurately reported in violation of XXXX XXXX standards. Although the account is marked as XXXX and XXXX XXXX, it still shows a high balance and past due amount, creating conflicting and misleading data. The narrative codes attached ( XXXX, XXXX, XXXX, and XXXX ) are vague and unexplained, which violates the FCRAs 607 ( b ) requirement for maximum possible accuracy in reporting.\n\nI respectfully request that this account be permanently deleted from my credit report and confirmation of the deletion be sent to me in writing. If validation is attempted, all documentation must include the original signed XXXX XXXX XXXX XXXX XXXX XXXX, proof of authorization, and the method of verification.","date_sent_to_company":"2025-06-21T21:54:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30005","tags":"Servicemember","has_narrative":true,"complaint_id":"14226145","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-06-21T21:54:02.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Although the account is marked as XXXX and XXXX XXXX, it still <em>shows</em> a high balance and past due amount, creating conflicting and misleading data. The <em>narrative</em> codes attached ( XXXX, XXXX, XXXX, and XXXX ) are vague and unexplained, which violates the FCRAs 607 ( b ) requirement for maximum possible accuracy in reporting.\n\nI respectfully request that this account be permanently deleted from my credit report and confirmation of the deletion be sent to me in writing."]},"sort":[11.003485,"14226145"]},{"_index":"complaint-public-v1","_id":"18674946","_score":10.430171,"_source":{"product":"Checking or savings account","complaint_what_happened":"Nav Customer Care, Thank you for your response. After reviewing your message, I need to formally correct the record, clarify disability-related accommodation issues, and address several factual inaccuracies.\n\n1. Disability Accommodation Was Never Addressed You state that certain actions could only be handled by phone. I am a documented\nspecial needs individual with neurological impairments that make adversarial or time-pressured phone communication difficult and medically harmful. I repeatedly communicated this and requested a reasonable non-phone accommodation ( written communication ), which is required under the Americans with Disabilities Act ( ADA ).\n\nInstead of accommodating, Nav imposed a communication method that I am medically unable to perform, then treated my inability to make a phone call as non-cooperation. That is not a neutral policy ; it is a disability-based communication barrier.\n\n2. Identity Verification Claim is Factually Incomplete Your message states I did not provide requested verification documents. This is incorrect. I submitted my government ID and selfie during a prior Nav verification flow months earlier, which you already know because I was approved for the Nav XXXX Charge Card and Business Checking. Nav had verified my identity before issuing regulated financial products and allowing account funding.\n\nIf Nav determined that verification was now insufficient, it was never explained why previous verification was accepted for issuance but suddenly inadequate for basic account access. \n\nXXXX. Account Freeze and Funds Withholding Lacked Clear Basis Your letter states my checking account was frozen after an internal review but provides no reason code, triggering condition, or compliance basis. Freezing funds without a stated reason, then requiring a phone call as the only path to resolutioneven after being informed of disabilityconstitutes both : An adverse action without a documented regulatory justification, and A preventable barrier that placed undue hardship on a XXXX individual. \n\nXXXX. The Subscription Closure Narrative Is Misleading Your message frames the failed verification as a result of my failure to subscribe or maintain payment. That is incorrect and inconsistent : You verified me before issuing financial products. \n\nYou froze access after I was already verified. \n\nYou refused to unfreeze access without a phone call, despite XXXX notice. \n\nYou then sent me in circles financially ( subscription, non-subscription, etc. ) without providing a written compliance path. \n\nStating that a new subscription was not required after the fact only shows how unclear and inaccessible the process was for someone who requested accommodation.\n\n5. Closure, Disbursement, and Returned Funds I acknowledge that the account has been closed ; however, my preferred disbursement method is XXXX transfer to the bank account on file, not a paper check. Further, Nav indicated on XX/XX/year> that a check had been mailed, yet more than a month has elapsed with no check received at my verified business address. The situation forced me to abandon the account and request closure instead of being offered a written identity verification accommodation, which underscores the preventable accessibility issue at the center of this matter. \n\nRequested Next Steps To resolve this matter fully, I need the following in writing : The exact regulatory or compliance basis for the account freeze, including : The triggering condition, The applicable compliance framework ( e.g., XXXX XXXX fraud review, KYC ), and Why previously accepted KYC verification became insufficient. \n\nAn explanation of why no XXXX accommodation was provided after being informed of XXXX and inability to use phone-based support. \n\nConfirmation that Nav will not treat refusal or inability to communicate by phone as non-cooperation where medically documented XXXX exists. \n\nThis is not adversarialthese are standard compliance disclosures and XXXX obligations. \n\nI appreciate that the refund and account closure are being processed. However, accurate recordkeeping and XXXX compliance require clarity so that no further harm occurs and the situation does not repeat with other XXXX consumers. \n\nI look forward to your written response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-13T07:57:45.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"92627","tags":null,"has_narrative":true,"complaint_id":"18674946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nav Technologies, Inc.","date_received":"2026-01-13T07:39:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["The Subscription Closure <em>Narrative</em> Is Misleading Your message frames the failed <em>verification</em> as a result of my failure to subscribe or maintain payment. That is incorrect and inconsistent : You <em>verified</em> me before issuing financial products. \n\nYou froze access after I was already <em>verified</em>. \n\nYou refused to unfreeze access without a phone call, despite XXXX notice. \n\nYou then sent me in circles financially ( subscription, non-subscription, etc. ) without providing a written compliance path."]},"sort":[10.430171,"18674946"]},{"_index":"complaint-public-v1","_id":"12971778","_score":10.066332,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Request for Investigation and Removal of Inaccurate ChargeOff Accounts FCRA 609,611 & 623 Pursuant to the Fair Credit Reporting Act ( FCRA ) and all applicable regulations, I dispute the accuracy and completeness of the chargeoff tradelines listed below.If Equifax can not manually verify each item with originalsource documentation, I demand their immediate deletion from my credit file. \n\n# # 1.Accounts in Dispute ( Equifax data vs. other CRAs ) 1 XXXX XXXX XXXX ) XXXX HighBal {$20000.00} Balance {$20000.00} XXXX ReportedXXXX StatusCollection/Chargeoff ( Closed ) XXXX shows HighBal {$52000.00}, XXXX, ReportedXXXX, ClosedXXXX  Experian shows ReportedXXXXXXXX  and different paymenthistory grid 2 XXXX XXXXXXXX HighBal {$500.00} Balance {$390.00} XXXX ReportedXXXX StatusClosed/ Current 30 & 60day lates only in XXXX XXXX lists HighBal {$690.00}, XXXX, ClosedXXXX, 30day late history XXXX lists HighBal {$690.00}, XXXX, ReportedXXXX  and more extensive 30/60day lates The contradictory balances, dates, statuses, and payment histories demonstrate that the information Equifax is publishing is neither complete nor maximally accurate, as required by law. \n\n# # 2.Basis for Dispute & Governing Law Right to Accurate Information FCRA 609 ( 15U.S.C.1681g ) Please provide fullfile documentation, including the original signed contracts, chargeoff ledgers, and billing statements for each tradelinenot automated eOSCAR responses. \n\nReinvestigation Duty FCRA 611 ( 15U.S.C.1681i ) Conduct a thorough, manual reinvestigation.Delete any tradeline you can not prove to be 100 % accurate and complete. \n\nDeletion of Inaccurate / Unverifiable Data 611 ( a ) ( 5 ) If discrepancies remain unresolved or documentation is unavailable, you must delete the data. \n\nDuties of Furnishers FCRA 623 ( a ) ( 1 ) ( A ) ( 15U.S.C.1681s2 ) XXXX and XXXX are obligated to furnish accurate data.If they can not substantiate the figures shown above, Equifax must delete the accounts. \n\nMaximum Possible Accuracy FCRA 607 ( b ) ( 15U.S.C.1681e ( b ) ) The conflicting information across CRAs demonstrates a failure of Equifaxs reasonable procedures. \n\nRelevant Case Law XXXXXXXX, XXXX ( XXXX ) CRAs are liable for inadequate investigations. \nXXXX, XXXX  Reinforces the need for reasonable verification procedures. \n\n# # 3.Requested Relief Delete the disputed tradelines if original, signed documentation can not be produced within 30days. \n\nProvide a written narrative of every verification step, including the name and contact information of each furnisher consulted. \n\nCorrect any verified data so that it is identical across all CRAs, or remove it entirely to avoid misleading potential creditors. \n\nSend an updated Equifax credit report reflecting all changes to the address above. \n\n# # 4.Consequences of NonCompliance Should Equifax fail XXXX comply, I will : File complaints with the FTC, and my State Attorney General ; Seek statutory damages up to {$1000.00} per violation under FCRA 616 and actual damages under 617 ; Pursue additional relief for negligence, defamation, and willful noncompliance. \n\nThank you for your prompt attention.I expect your written response within the timeframe mandated by FCRA 611.","date_sent_to_company":"2025-04-14T15:19:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33172","tags":null,"has_narrative":true,"complaint_id":"12971778","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-14T15:18:42.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX, XXXX  Reinforces the <em>need</em> for reasonable <em>verification</em> procedures. \n\n# # 3.Requested Relief Delete the disputed tradelines if original, signed documentation can not be produced within 30days. \n\nProvide a written <em>narrative</em> of every <em>verification</em> step, including the name and contact information of each furnisher consulted. \n\nCorrect any <em>verified</em> data so that it is identical across all CRAs, or remove it entirely to avoid misleading potential creditors."]},"sort":[10.066332,"12971778"]},{"_index":"complaint-public-v1","_id":"12978199","_score":10.056294,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Request for Investigation and Removal of Inaccurate ChargeOff Accounts FCRA 609,611 & 623 Pursuant to the Fair Credit Reporting Act ( FCRA ) and all applicable regulations, I dispute the accuracy and completeness of the chargeoff tradelines listed below.If Equifax can not manually verify each item with originalsource documentation, I demand their immediate deletion from my credit file. \n\n# # 1.Accounts in Dispute ( Equifax data vs. other CRAs ) 1 XXXX XXXX XXXX ) XXXX HighBal {$20000.00} Balance {$20000.00} XXXX ReportedXXXX StatusCollection/Chargeoff ( Closed ) XXXX shows HighBal {$52000.00}, XXXX, ReportedXXXX, ClosedXXXX  Experian shows ReportedXXXXXXXX  and different paymenthistory grid 2 XXXX XXXXXXXX HighBal {$500.00} Balance {$390.00} XXXX ReportedXXXX StatusClosed/ Current 30 & 60day lates only in XXXX XXXX lists HighBal {$690.00}, XXXX, ClosedXXXX, 30day late history XXXX lists HighBal {$690.00}, XXXX, ReportedXXXX  and more extensive 30/60day lates The contradictory balances, dates, statuses, and payment histories demonstrate that the information Equifax is publishing is neither complete nor maximally accurate, as required by law. \n\n# # 2.Basis for Dispute & Governing Law Right to Accurate Information FCRA 609 ( 15U.S.C.1681g ) Please provide fullfile documentation, including the original signed contracts, chargeoff ledgers, and billing statements for each tradelinenot automated eOSCAR responses. \n\nReinvestigation Duty FCRA 611 ( 15U.S.C.1681i ) Conduct a thorough, manual reinvestigation.Delete any tradeline you can not prove to be 100 % accurate and complete. \n\nDeletion of Inaccurate / Unverifiable Data 611 ( a ) ( 5 ) If discrepancies remain unresolved or documentation is unavailable, you must delete the data. \n\nDuties of Furnishers FCRA 623 ( a ) ( 1 ) ( A ) ( 15U.S.C.1681s2 ) XXXX and XXXX are obligated to furnish accurate data.If they can not substantiate the figures shown above, Equifax must delete the accounts. \n\nMaximum Possible Accuracy FCRA 607 ( b ) ( 15U.S.C.1681e ( b ) ) The conflicting information across CRAs demonstrates a failure of Equifaxs reasonable procedures. \n\nRelevant Case Law XXXXXXXX, XXXX ( XXXX ) CRAs are liable for inadequate investigations. \nXXXX, XXXX  Reinforces the need for reasonable verification procedures. \n\n# # 3.Requested Relief Delete the disputed tradelines if original, signed documentation can not be produced within 30days. \n\nProvide a written narrative of every verification step, including the name and contact information of each furnisher consulted. \n\nCorrect any verified data so that it is identical across all CRAs, or remove it entirely to avoid misleading potential creditors. \n\nSend an updated Equifax credit report reflecting all changes to the address above. \n\n# # 4.Consequences of NonCompliance Should Equifax fail XXXX comply, I will : File complaints with the FTC, and my State Attorney General ; Seek statutory damages up to {$1000.00} per violation under FCRA 616 and actual damages under 617 ; Pursue additional relief for negligence, defamation, and willful noncompliance. \n\nThank you for your prompt attention.I expect your written response within the timeframe mandated by FCRA 611.","date_sent_to_company":"2025-04-14T15:19:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33172","tags":null,"has_narrative":true,"complaint_id":"12978199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-14T15:07:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX, XXXX  Reinforces the <em>need</em> for reasonable <em>verification</em> procedures. \n\n# # 3.Requested Relief Delete the disputed tradelines if original, signed documentation can not be produced within 30days. \n\nProvide a written <em>narrative</em> of every <em>verification</em> step, including the name and contact information of each furnisher consulted. \n\nCorrect any <em>verified</em> data so that it is identical across all CRAs, or remove it entirely to avoid misleading potential creditors."]},"sort":[10.056294,"12978199"]},{"_index":"complaint-public-v1","_id":"12971782","_score":10.056294,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Request for Investigation and Removal of Inaccurate ChargeOff Accounts FCRA 609,611 & 623 Pursuant to the Fair Credit Reporting Act ( FCRA ) and all applicable regulations, I dispute the accuracy and completeness of the chargeoff tradelines listed below.If Equifax can not manually verify each item with originalsource documentation, I demand their immediate deletion from my credit file. \n\n# # 1.Accounts in Dispute ( Equifax data vs. other CRAs ) 1 XXXX XXXX XXXX ) XXXX HighBal {$20000.00} Balance {$20000.00} XXXX ReportedXXXX StatusCollection/Chargeoff ( Closed ) XXXX shows HighBal {$52000.00}, XXXX, ReportedXXXX, ClosedXXXX  Experian shows ReportedXXXXXXXX  and different paymenthistory grid 2 XXXX XXXXXXXX HighBal {$500.00} Balance {$390.00} XXXX ReportedXXXX StatusClosed/ Current 30 & 60day lates only in XXXX XXXX lists HighBal {$690.00}, XXXX, ClosedXXXX, 30day late history XXXX lists HighBal {$690.00}, XXXX, ReportedXXXX  and more extensive 30/60day lates The contradictory balances, dates, statuses, and payment histories demonstrate that the information Equifax is publishing is neither complete nor maximally accurate, as required by law. \n\n# # 2.Basis for Dispute & Governing Law Right to Accurate Information FCRA 609 ( 15U.S.C.1681g ) Please provide fullfile documentation, including the original signed contracts, chargeoff ledgers, and billing statements for each tradelinenot automated eOSCAR responses. \n\nReinvestigation Duty FCRA 611 ( 15U.S.C.1681i ) Conduct a thorough, manual reinvestigation.Delete any tradeline you can not prove to be 100 % accurate and complete. \n\nDeletion of Inaccurate / Unverifiable Data 611 ( a ) ( 5 ) If discrepancies remain unresolved or documentation is unavailable, you must delete the data. \n\nDuties of Furnishers FCRA 623 ( a ) ( 1 ) ( A ) ( 15U.S.C.1681s2 ) XXXX and XXXX are obligated to furnish accurate data.If they can not substantiate the figures shown above, Equifax must delete the accounts. \n\nMaximum Possible Accuracy FCRA 607 ( b ) ( 15U.S.C.1681e ( b ) ) The conflicting information across CRAs demonstrates a failure of Equifaxs reasonable procedures. \n\nRelevant Case Law XXXXXXXX, XXXX ( XXXX ) CRAs are liable for inadequate investigations. \nXXXX, XXXX  Reinforces the need for reasonable verification procedures. \n\n# # 3.Requested Relief Delete the disputed tradelines if original, signed documentation can not be produced within 30days. \n\nProvide a written narrative of every verification step, including the name and contact information of each furnisher consulted. \n\nCorrect any verified data so that it is identical across all CRAs, or remove it entirely to avoid misleading potential creditors. \n\nSend an updated Equifax credit report reflecting all changes to the address above. \n\n# # 4.Consequences of NonCompliance Should Equifax fail XXXX comply, I will : File complaints with the FTC, and my State Attorney General ; Seek statutory damages up to {$1000.00} per violation under FCRA 616 and actual damages under 617 ; Pursue additional relief for negligence, defamation, and willful noncompliance. \n\nThank you for your prompt attention.I expect your written response within the timeframe mandated by FCRA 611.","date_sent_to_company":"2025-04-14T15:19:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33172","tags":null,"has_narrative":true,"complaint_id":"12971782","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-14T15:18:42.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX, XXXX  Reinforces the <em>need</em> for reasonable <em>verification</em> procedures. \n\n# # 3.Requested Relief Delete the disputed tradelines if original, signed documentation can not be produced within 30days. \n\nProvide a written <em>narrative</em> of every <em>verification</em> step, including the name and contact information of each furnisher consulted. \n\nCorrect any <em>verified</em> data so that it is identical across all CRAs, or remove it entirely to avoid misleading potential creditors."]},"sort":[10.056294,"12971782"]},{"_index":"complaint-public-v1","_id":"4153140","_score":9.471406,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Robinhood Complaint Narrative This is a narrative of my interaction with the investment firm Robinhood beginning on XX/XX/2021. \n\nOn XX/XX/2021 I went online to the Robinhood website XXXX XXXX : XXXX XXXX  to open an account for the purpose of making modest investments in U.S. securities. I filled out the necessary application and began research into stocks I was interested in purchasing. On XX/XX/2021 I linked my bank account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) to my Robinhood account and ordered that {$5000.00} be deposited into that account to fund Stock purchases. My bank account was debited on XX/XX/XXXX, but Robinhood didnt finish verifying and activating my account for purchases until XX/XX/XXXX. \n\nOn XX/XX/2021 I logged into my Robinhood account and placed an order to buy {$2000.00} of XXXX XXXX. I received a confusing notice that the transaction had been completed but my purchasing power was now {$1000.00}. What happened to the {$5000.00} that I deposited into my account? I called Robinhood customer service and spoke to an agent. \n\nThe agent told me that the XXXX transaction could NOT be completed because my account had not been properly verified and he offered to remedy that. He also said that {$1000.00} is the standard purchasing power given to customers as a courtesy before they fund their account. He said he could resolve the apparent problem but would need my permission to give him remote control over my computer. I agreed to that and our computers were linked. \n\nFor over an hour we worked on the problem. He needed me to photograph my California Drivers license and send it to him, which I did. He took me through many more steps but was unable to get my account verified to permit the purchase. Finally I became very frustrated and told him I wanted him to close my Robinhood account and refund all funds in it. \n\nThe agent explained that to send me the money Robinhood would need to use a third-party entity named XXXX and they would require additional verification of my identity which he would guide me through. ( He still had control of my computer at that time. ) We agreed that the money would be deposited in a checking account that I have with XXXX XXXX \n\nWe went through a complicated series of steps to do that and I then received a notice from the bank that the transaction could not be completed. The agent suggested trying a different account and I selected the XXXX XXXX account associated with my XXXX checking account. \n\nThe agent also said Robinhood would need to send the money in a series of small transactions because of limits on the amount of money that could be processed. He suggested trying {$1000.00}. The funds would come from my Robinhood account and XXXX would use the money to purchase XXXX and deposit that into my debit card. \n\nWhen we attempted that, XXXX blocked the transfer as a potential fraud. I called XXXX and had them lift the block. I also told XXXX that we would be sending at least two more transfer requests from XXXX and to approve them when submitted. We resubmitted the transfer and it appeared to go through OK. \n\nNext, we tried to transfer {$2000.00} by the same method. This time XXXX blocked the transaction claiming to need further verification of my identity. This consisted of me making a video recording of myself holding the card and reading text that they required me to speak out loud. Here is the text : Hello XXXX. In this payment I am buying XXXX in the amount of {$1500.00}. I know that after I complete my payment it can not be refunded or reversed. I am aware that scammers sometimes present themselves as large respectable companies, agencies, or service providers, in order to trick victims into sending crypto currency to them. I understand that if I send crypto currency directly to an account I do not control I will lose the money I paid. My computer is not being remotely controlled and no-one is guiding me through this payment. \n\nAt that moment my computer WAS being remotely controlled and an agent of Robinhood, WAS on the phone guiding me. \n\nI was shocked that I was being told to speak a blatant lie, on video no less, and I told the Robinhood agent that I absolutely would not comply under any circumstances. The agent insisted that this was their required procedure and they couldnt liquidate my account unless I agreed to submit the recording. \n\nI asked to speak to a supervisor and was transferred. The supervisor repeated XXXX insistence on the video. I told the supervisor I would not comply and if Robinhood couldnt find someone with authority to bypass this step and send me the money I would hang up and file a formal complaint with the SEC. \n\nThe supervisor said there was nothing he could do. I ended the call and contacted the SEC to file the complaint. I also went online to the Consumer Financial Protection Bureau to seek assistance. \n\nBy this time I had been on the phone for over 3 hours and was unsure what, if any, transactions had been actually executed. I called XXXX to check the status of my debit account and ask what transactions had been completed. XXXX reported the following activity on my account : 1. Two DEBITS for {$1000.00} each by XXXX that are pending and will post at the end of the day to the checking account associated with my debit card. \n2. One debit for {$1500.00} that had been cancelled. \nXXXX. One debit for {$1900.00} that had been canceled. \n\nI was transferred to the XXXX XXXX department and filed a dispute claim for both the pending debit transactions. XXXX said they couldnt block the two transactions but if they posted, XXXX would automatically issue temporary deposits to counter the funds taken from my account. They would then begin researching my dispute. \n\nAt XXXX XXXX I logged into my Robinhood account and this is what I found : 1. My portfolio showed a balance of {$5000.00} 2. My purchasing power was {$1000.00} 3. Robinhood had executed two purchases of XXXX XXXX for {$2000.00} each from my account. \n4. According to Robinhood I own XXXX shares of XXXX stock. \n5. The market value of those shares is {$4000.00}. \n\nThis is all SO wrong. I did initiate ONE order to buy {$2000.00} of PowerShares ( not two ) but was told by the XXXX agent that the transaction had not been executed. I was told that {$1000.00} had been transferred from my Robinhood account and deposited to my debit card. Instead, XXXX had DEBITED that card for a total of {$2000.00} and the money would be taken from the checking account associated with the debit card. \n\nIm a new investor and not very familiar with securities transactions. But this whole interaction has been confused and did not result in my intended investments. Asking me to tell a lie on video tape has GOT to be a violation of some sort. \n\nWhat I want is very simple : for Robinhood to liquidate all the assets in my account, close that account, and send me the money. \n\nCan you please help me? \n\nXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-03-05T22:40:02.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"91360","tags":"Servicemember","has_narrative":true,"complaint_id":"4153140","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2021-02-20T00:14:45.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["He <em>needed</em> me to photograph my California Drivers license and send it to him, which I did. He took me through many more steps but was unable to get my account <em>verified</em> to permit the purchase. Finally I became very frustrated and told him I wanted him to close my Robinhood account and refund all funds in it."]},"sort":[9.471406,"4153140"]},{"_index":"complaint-public-v1","_id":"15476820","_score":8.476638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint because my credit report contains numerous inaccurate and unlawful items that are causing severe damage to my credit score, financial stability, and personal reputation. These errors include incorrect addresses, unverifiable charge-offs, unlawful collections, false late payments, and unauthorized credit inquiries. Each item reflects a failure by the credit bureaus and furnishers to follow the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These repeated violations have caused significant emotional distress, financial setbacks, and reputational harm. I demand immediate correction of all the inaccurate information listed below. \nWrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : I have no connection to this address. \nLaw : FCRA 602 ( A ) emphasizes the need for fair and accurate credit reporting.\n\nStory : Seeing this address on my credit report makes it appear that I have a history of moving or instability, which is completely false. Potential landlords, lenders, and credit reviewers interpret this as a risk factor, impacting my ability to secure housing, loans, and fair interest rates. This misrepresentation has created unnecessary stress and has caused me to explain a false narrative repeatedly. \nAccount : XXXX XXXXXXXX High Balance : {$25000.00} Date Opened : XX/XX/XXXX Charged Off Issue : This charge-off is inaccurate, incomplete, and unverifiable. \nLaw : Under FCRA 609 and 611, furnishers must provide complete verification. FDCPA 807 prohibits misrepresentation of debt. \nStory : This account has been reported as a charge-off without providing me proper validation or documentation. It has damaged my credit score, leading to repeated loan denials, higher interest rates, and humiliation during credit checks. Each lender views this entry as evidence of irresponsibility, which is entirely misleading. This has directly affected my ability to finance necessities and pursue opportunities like homeownership. \nAccount : XXXX XXXX XXXX High Balance : {$42000.00} Date Opened : XX/XX/XXXX Charged Off Issue : Reporting shows an unlawful charge-off without full verification of balance or payments. \nLaw : FCRA 607 ( b ) requires maximum accuracy, and FDCPA 809 ( b ) requires proper debt validation.\n\nStory : The presence of this inaccurate charge-off has caused real, tangible consequences. I was denied a car loan that I desperately needed, and even professional opportunities were questioned due to this false reporting. The emotional toll of being treated as financially irresponsible despite my efforts to maintain good credit has been overwhelming. \nAccount : XXXXXXXX XXXX XXXX XXXXXXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charged Off Issue : This account is listed as charged off but is being reported inconsistently across bureaus. \nLaw : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know is inaccurate. \nStory : Inconsistent reporting has caused me repeated denials of credit, and each application feels like a personal battle. I have spent countless hours speaking to lenders, disputing records, and providing documentation that should never have been questioned. The repeated misreporting has created not just financial harm but emotional distress, anxiety, and a sense of helplessness. \nAccount : XXXX XXXX  High Balance : {$54000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payments are reported inaccurately and without proper verification. \nLaw : FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) require full investigation into disputes.\n\nStory : This student loan account has been reported with false late payments spanning decades. The emotional strain is significantmy professional reputation, personal confidence, and financial stability are constantly questioned. Despite efforts to clarify the record, these entries remain, harming my ability to secure loans, maintain financial security, and plan for the future. \nAccount : XXXX XXXX XXXX XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Collection Issue : This collection is not verified and may be re-aged.\n\nLaw : FDCPA 807 prohibits false representation of debt.\n\nStory : The repeated appearance of this collection has caused enormous stress. Each time I apply for a credit card, mortgage, or loan, I am forced to explain a debt that may not exist in the reported form. It has caused humiliation, fear, and financial uncertainty. I have had to dedicate hours to disputing inaccurate reporting instead of focusing on legitimate financial responsibilities. \nAccount : OFFICE OF THE ATTY GEN XXXX High Balance : {$0.00} Late Payment Issue : This account shows late payment even though the balance is {$0.00}. \nLaw : FCRA 623 ( a ) ( 1 ) prohibits furnishers from reporting information they know is inaccurate.\n\nStory : Reporting a late payment on a zero balance account is absurd, misleading, and harmful. It has negatively impacted my credit score, making it harder to obtain financial services, and has caused unnecessary XXXX  and confusion. \nIn conclusion, my credit file reflects repeated violations of my rights under FCRA and FDCPA, causing emotional, financial, and reputational harm. I demand immediate deletion of all inaccurate addresses, unverifiable accounts, unlawful late payments, and unauthorized inquiries. If these violations are not corrected, I will pursue further legal action to protect my rights and seek damages for the harm caused.","date_sent_to_company":"2025-08-23T20:30:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77025","tags":null,"has_narrative":true,"complaint_id":"15476820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-23T20:28:17.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Account : XXXX XXXX XXXX High Balance : {$42000.00} Date Opened : XX/XX/XXXX Charged Off Issue : Reporting <em>shows</em> an unlawful charge-off without full <em>verification</em> of balance or payments. \nLaw : FCRA 607 ( b ) requires maximum accuracy, and FDCPA 809 ( b ) requires proper debt validation.\n\nStory : The presence of this inaccurate charge-off has caused real, tangible consequences."]},"sort":[8.476638,"15476820"]},{"_index":"complaint-public-v1","_id":"16452495","_score":8.471864,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB COMPLAINT NARRATIVE EXPERIAN XXXX XXXX Company : Experian XXXX XXXX XXXX XXXX. \nComplaint Type : Incorrect information on my credit report / failure to investigate/ data accuracy violation Date of Complaint : XX/XX/XXXX Summary of the Issue Experian XXXX XXXX a specialty credit reporting subsidiary of Experian, is reporting and maintaining inaccurate and misleading personal and credit information on my consumer file. This information has directly led to credit denials and financial harm, in clear violation of federal and California consumer protection laws including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), California Consumer Privacy Act ( CCPA ), and California Consumer Credit Reporting Agencies Act ( CCRAA ). \nDespite maintaining a near-perfect credit profile with all major bureaus, Experian XXXX file contains outdated, false, and misleading data elements that do not belong to me and are severely damaging my credit reputation and access to financial products. \n\nDetails of the Violations The Experian XXXX  file contains the following categories of false and unverifiable information : Incorrect addresses not associated with my verified residential history. \nErroneous account data including incorrect open/close dates, balances, and payment statuses. \nDemographic and employment information that is inaccurate and not sourced from verified furnishers. \nUnverified and incomplete account linkages, suggesting potential mixed-file contamination. \n\nThese inaccuracies have resulted in unwarranted credit denials and loss of financial opportunity. \n\nLegal Basis The companys conduct violates multiple provisions of law, including but not limited to : FCRA, 15 U.S.C. 1681i ( a ) failure to ensure maximum possible accuracy and promptly investigate disputed data.\n\nFCRA, 1681e ( b ) negligent or willful failure to maintain reasonable procedures for accuracy.\n\nFDCPA, 15 U.S.C. 1692e ( 8 ) communication of false credit information known or should-have-been-known to be inaccurate.\n\nCCPA, Cal. Civ. Code 1798.100 et seq. failure to correct or delete inaccurate personal information upon request. \nCCRAA, Cal. Civ. Code 1785.16 unlawful retention and reporting of erroneous data. \nCase law establishing liability : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) credit bureaus are liable for negligent failure to maintain accurate data and for harm caused by erroneous reporting. \nXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) failure to reasonably investigate disputed credit data is actionable. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) consumers need not show malice ; negligent inaccuracy is sufficient for damages. \n\nRequested Resolution I am requesting the CFPBs assistance to ensure Experian XXXX  Services : Immediately deletes and suppresses all inaccurate and unverified information from my XXXX  file. \nConfirms in writing that these items have been permanently deleted and will not be reinserted without verified consumer authorization, as required under 15 U.S.C. 1681i ( a ) ( 5 ). \nImplements compliance review and corrective action under CFPB supervisory oversight for failure to maintain reasonable accuracy controls. \nContacts me directly through a senior compliance officer within 5 business days to verify completion. \nIf Experian XXXX  fails to comply by XX/XX/XXXX, I intend to retain counsel ( XXXX XXXX, FDCPA/FCRA attorney XXXX XXXX XXXX XXXX CA ) and pursue statutory, actual, and punitive damages under the FCRA and FDCPA. \nHarm Suffered Due to Experian XXXX inaccurate reporting : I have experienced denial of legitimate credit applications despite excellent credit scores with major bureaus. \nI have incurred reputational injury, stress, and time loss attempting to correct these errors. \nI am being unfairly portrayed as a higher credit risk based solely on erroneous data XXXX  refuses to delete. \n\nDesired Outcome : Permanent deletion of all inaccurate data, written confirmation of correction, and regulatory enforcement to prevent recurrence. \n\nComplainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX","date_sent_to_company":"2025-10-08T14:25:33.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"908XX","tags":null,"has_narrative":true,"complaint_id":"16452495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-08T14:22:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) consumers <em>need</em> not <em>show</em> malice ; negligent inaccuracy is sufficient for damages. \n\nRequested Resolution I am requesting the CFPBs assistance to ensure Experian XXXX  Services : Immediately deletes and suppresses all inaccurate and unverified information from my XXXX  file."]},"sort":[8.471864,"16452495"]},{"_index":"complaint-public-v1","_id":"17328645","_score":8.467224,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over an extended period, I have attempted to address several issues related to how certain accounts were managed, updated, and reported by the companies involved. My intention throughout this process has been to understand what occurred, resolve any legitimate obligations, and ensure that the information being reported about me is accurate and fairly reflects the actual history of each account. Unfortunately, a series of events, communication breakdowns, inconsistent reporting practices, and verification issues have resulted in negative entries continuing to appear on my credit file despite my attempts to correct or clarify them. What follows is a detailed description of what happened, organized into a comprehensive timeline and narrative. \n\nI. Beginning of the Issue : Initial Account Activity and Early Communication Attempts The situation began with several accounts that were originally opened and maintained without any expectation that there would ever be reporting problems. At different times, I made payments, closed accounts, or resolved balances. For many of these accounts, my understanding was that once the balance was paid or the account was closed successfully, the matter was complete. In several cases, the original creditor reflected the account as paid or closed, and I moved forward accordingly. \n\nHowever, years latersometimes long after an account had been closed or paidI discovered that certain accounts were reporting negative information, including late payments, severe delinquency markers, or collection statuses that did not match the actual timeline or the manner in which I handled the accounts. These findings came as a surprise, and I immediately began attempting to understand what had occurred. \n\nWhen I first reached out to several companies about the discrepancies, I did not receive clear explanations or adequate documentation. Some companies did not respond at all, while others simply stated that the information they provided was accurate without offering supporting evidence. This left me uncertain about the basis for the negative information and unsure how to correct it. \n\nXXXX. Accounts That Were Paid or Closed Still Showed Negative Markers XXXX of the issues I encountered was the appearance of late-payment notations or derogatory comments connected to accounts that had already been closed or paid. In several instances, the accounts were showing paid-in-full or closed with a XXXX balance, yet negative information such as XXXX, XXXX, or XXXX late payments continued to appear. \n\nThe problem is that the reporting did not reflect the circumstances that surrounded those periods. For example, there were times when payments were made but the creditor did not process them promptly ; times when the company applied payments incorrectly ; or instances where the creditors own system issues caused delays or misapplied entries. Instead of correcting these internal errors, late-payment markers were placed on the account and remained there even after the creditor had acknowledged that the issues were on their side. \n\nAdditionally, there were cases where the account had long been closed or satisfied, but older negative information remained on the report even though I had been under the impression that these matters were resolved. Each time I attempted to dispute or clarify these issues, the information continued to reappear without a clear explanation of why it was being retained. \n\nXXXX. Placement of Accounts in Collection Without Clear Notice or Explanation Another major issue involved accounts that were sent to third-party collection agencies. In some cases, I did not receive any official notice stating that the debt had been transferred, sold, reassigned, or placed in collections. The first time I learned about the involvement of a collection agency was when the negative entry appeared on my credit file or when I attempted to contact the original creditor and was told verbally that the account had been sold or assigned. \n\nBecause I did not receive proper notice, I was not given the opportunity to resolve the matter directly with the creditor before it was sent to collections. This also meant I never received clear information regarding the breakdown of the alleged owed amount, including interest, fees, or adjustments. Some of the balances reported by the collection agencies appeared significantly higher than expected, and I had no documentation explaining the increases. \n\nAttempts to contact the collection agencies for clarification did not produce meaningful results. In several instances, the agencies would request information from me but would not send documentation back. When I requested itemization of the amounts, the documentation provided was incomplete or lacked dates, statements, or a full breakdown. \n\nThis made it impossible to reconcile the collection amounts with the original obligations, contributing to the ongoing disputes. \n\nIV. Inconsistent Reporting Across Credit Bureaus Another problem I experienced was that certain accounts reported differently across the XXXX major credit bureaus. For example : XXXX account reported as derogatory on XXXX bureau but did not appear at all on another. \n\nA collection account showed a balance on XXXX bureau but showed XXXX on another. \n\nSome accounts reported as paid on XXXX bureau while still showing late-payment histories or derogatory comments on another. \n\nThese inconsistencies created confusion and made it difficult to determine which information was correct. When I contacted the companies to understand why the reporting differed, I was told that they send the same information to each bureau. However, that did not match what was being reflected in the reports. \n\nThis inconsistency also made disputing the accounts challenging because XXXX bureau would claim the information was verified while another bureau would remove or adjust the entry. These conflicting responses made it clear that the information was not being reviewed thoroughly or consistently. \n\nV. Automated Verification Processes That Did Not Address the Actual Issues During multiple disputes, the companies involved used automated verification systems. These automated systems appeared to simply confirm that the account existed, rather than verifying whether the specific late payments, balances, or collection statuses were accurate. \n\nInstead of reviewing : Original contracts Payment ledgers Statements Communications Payment history Transfer or assignment documents the automated process appeared to provide a generic response that the account had been verified. \n\nThis left the underlying issues unresolved. None of the key questions were addressed : Why were certain late payments recorded during periods when payments were made? \n\nWhy were accounts showing derogatory statuses after being closed or paid? \n\nWhy did the balances change without explanation? \n\nWhy were collections placed without notice or proper itemization? \n\nBecause the automated system did not evaluate these specifics, the disputes remained unresolved. \n\nVI. Lack of Clear Documentation from the Companies Throughout this process, I repeatedly attempted to obtain clear documentation that would explain : The dates payments were received How payments were applied How balances were calculated Why accounts were considered delinquent When and why accounts were transferred or sold Which company owned the account at which time Whether the companies provided accurate information to the credit bureaus These requests were often unanswered, partially answered, or responded to with incomplete records. Without accurate and complete documentation, it was impossible for me to verify the accuracy of the negative information. \n\nSome companies stated that they no longer had access to records because the account was too old, but they still continued reporting the negative information. Others said the account had been transferred, yet could not provide proof of transfer or itemization of the amounts. \n\nIn each situation, I was left unable to confirm whether the information was correct, yet the reporting continued. \n\nXXXX. My Attempts to Resolve the Situation Over time, I made a series of good-faith attempts to resolve the issues : I contacted creditors and collection agencies directly to ask for explanations and documentation. \n\nI submitted written requests asking for account histories, itemizations, and verification materials. \n\nI disputed inaccuracies with the credit bureaus, explaining that the reporting did not match the actual history of the account or lacked proper documentation. \n\nI provided information, payment records, and clarifications when asked. \n\nI tried to pay or settle accounts when appropriate, even when the balances appeared inflated, to resolve the matter. \n\nI followed up multiple times when companies failed to respond or responded incompletely. \n\nI attempted to correct reporting inconsistencies by notifying each bureau separately. \n\nDespite these efforts, many of the same unresolved issues continued to reappear on my credit reports. \n\nXXXX. Harm Caused by the Inaccurate and Unverified Reporting The ongoing inaccuracies have created significant difficulties for me. Because the negative accounts remained despite my attempts to resolve the matter, I experienced : Denied credit applications Higher interest rates Increased difficulty in being approved for basic services Stress and frustration Repeated efforts to dispute the same items over and over Each time I attempted to explain the situation to lenders, the inconsistent and unclear reporting made the situation more complicated. It became difficult to prove what had occurred without proper documentation from the furnishers. \n\nXXXX. Why I Am Requesting Intervention I am bringing this matter forward because I have exhausted every reasonable effort to resolve the issues directly with the companies involved. At this point : I need clarification. \n\nI need accurate records. \n\nI need verification of the information being reported. \n\nI need the companies to correct the reporting if they can not verify their claims. \n\nI am not seeking to avoid any legitimate responsibility. Rather, I am seeking accurate and fair reporting that reflects the true history of each account. \n\nX. What I Am Requesting Now I am requesting assistance in having the companies : Provide the missing documentation. \n\nExplain the discrepancies. \n\nCorrect any inaccurate information. \n\nRemove any information that can not be verified. \n\nEnsure consistent reporting across all bureaus. \n\nProvide clear responses rather than automated or incomplete verifications. \n\nI am hopeful that with proper review and oversight, these issues can be resolved in a fair and accurate manner.","date_sent_to_company":"2025-11-18T20:39:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63111","tags":null,"has_narrative":true,"complaint_id":"17328645","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-18T20:39:33.000Z","state":"MO","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":["At this point : I <em>need</em> clarification. \n\nI <em>need</em> accurate records. \n\nI <em>need</em> <em>verification</em> of the information being reported. \n\nI <em>need</em> the companies to correct the reporting if they can not <em>verify</em> their claims. \n\nI am not seeking to avoid any legitimate responsibility. Rather, I am seeking accurate and fair reporting that reflects the true history of each account. \n\nX. What I Am Requesting Now I am requesting assistance in having the companies : Provide the missing documentation."]},"sort":[8.467224,"17328645"]},{"_index":"complaint-public-v1","_id":"17328646","_score":8.447796,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over an extended period, I have attempted to address several issues related to how certain accounts were managed, updated, and reported by the companies involved. My intention throughout this process has been to understand what occurred, resolve any legitimate obligations, and ensure that the information being reported about me is accurate and fairly reflects the actual history of each account. Unfortunately, a series of events, communication breakdowns, inconsistent reporting practices, and verification issues have resulted in negative entries continuing to appear on my credit file despite my attempts to correct or clarify them. What follows is a detailed description of what happened, organized into a comprehensive timeline and narrative. \n\nI. Beginning of the Issue : Initial Account Activity and Early Communication Attempts The situation began with several accounts that were originally opened and maintained without any expectation that there would ever be reporting problems. At different times, I made payments, closed accounts, or resolved balances. For many of these accounts, my understanding was that once the balance was paid or the account was closed successfully, the matter was complete. In several cases, the original creditor reflected the account as paid or closed, and I moved forward accordingly. \n\nHowever, years latersometimes long after an account had been closed or paidI discovered that certain accounts were reporting negative information, including late payments, severe delinquency markers, or collection statuses that did not match the actual timeline or the manner in which I handled the accounts. These findings came as a surprise, and I immediately began attempting to understand what had occurred. \n\nWhen I first reached out to several companies about the discrepancies, I did not receive clear explanations or adequate documentation. Some companies did not respond at all, while others simply stated that the information they provided was accurate without offering supporting evidence. This left me uncertain about the basis for the negative information and unsure how to correct it. \n\nXXXX. Accounts That Were Paid or Closed Still Showed Negative Markers XXXX of the issues I encountered was the appearance of late-payment notations or derogatory comments connected to accounts that had already been closed or paid. In several instances, the accounts were showing paid-in-full or closed with a XXXX balance, yet negative information such as XXXX, XXXX, or XXXX late payments continued to appear. \n\nThe problem is that the reporting did not reflect the circumstances that surrounded those periods. For example, there were times when payments were made but the creditor did not process them promptly ; times when the company applied payments incorrectly ; or instances where the creditors own system issues caused delays or misapplied entries. Instead of correcting these internal errors, late-payment markers were placed on the account and remained there even after the creditor had acknowledged that the issues were on their side. \n\nAdditionally, there were cases where the account had long been closed or satisfied, but older negative information remained on the report even though I had been under the impression that these matters were resolved. Each time I attempted to dispute or clarify these issues, the information continued to reappear without a clear explanation of why it was being retained. \n\nXXXX. Placement of Accounts in Collection Without Clear Notice or Explanation Another major issue involved accounts that were sent to third-party collection agencies. In some cases, I did not receive any official notice stating that the debt had been transferred, sold, reassigned, or placed in collections. The first time I learned about the involvement of a collection agency was when the negative entry appeared on my credit file or when I attempted to contact the original creditor and was told verbally that the account had been sold or assigned. \n\nBecause I did not receive proper notice, I was not given the opportunity to resolve the matter directly with the creditor before it was sent to collections. This also meant I never received clear information regarding the breakdown of the alleged owed amount, including interest, fees, or adjustments. Some of the balances reported by the collection agencies appeared significantly higher than expected, and I had no documentation explaining the increases. \n\nAttempts to contact the collection agencies for clarification did not produce meaningful results. In several instances, the agencies would request information from me but would not send documentation back. When I requested itemization of the amounts, the documentation provided was incomplete or lacked dates, statements, or a full breakdown. \n\nThis made it impossible to reconcile the collection amounts with the original obligations, contributing to the ongoing disputes. \n\nIV. Inconsistent Reporting Across Credit Bureaus Another problem I experienced was that certain accounts reported differently across the XXXX major credit bureaus. For example : XXXX account reported as derogatory on XXXX bureau but did not appear at all on another. \n\nA collection account showed a balance on XXXX bureau but showed XXXX on another. \n\nSome accounts reported as paid on XXXX bureau while still showing late-payment histories or derogatory comments on another. \n\nThese inconsistencies created confusion and made it difficult to determine which information was correct. When I contacted the companies to understand why the reporting differed, I was told that they send the same information to each bureau. However, that did not match what was being reflected in the reports. \n\nThis inconsistency also made disputing the accounts challenging because XXXX bureau would claim the information was verified while another bureau would remove or adjust the entry. These conflicting responses made it clear that the information was not being reviewed thoroughly or consistently. \n\nV. Automated Verification Processes That Did Not Address the Actual Issues During multiple disputes, the companies involved used automated verification systems. These automated systems appeared to simply confirm that the account existed, rather than verifying whether the specific late payments, balances, or collection statuses were accurate. \n\nInstead of reviewing : Original contracts Payment ledgers Statements Communications Payment history Transfer or assignment documents the automated process appeared to provide a generic response that the account had been verified. \n\nThis left the underlying issues unresolved. None of the key questions were addressed : Why were certain late payments recorded during periods when payments were made? \n\nWhy were accounts showing derogatory statuses after being closed or paid? \n\nWhy did the balances change without explanation? \n\nWhy were collections placed without notice or proper itemization? \n\nBecause the automated system did not evaluate these specifics, the disputes remained unresolved. \n\nVI. Lack of Clear Documentation from the Companies Throughout this process, I repeatedly attempted to obtain clear documentation that would explain : The dates payments were received How payments were applied How balances were calculated Why accounts were considered delinquent When and why accounts were transferred or sold Which company owned the account at which time Whether the companies provided accurate information to the credit bureaus These requests were often unanswered, partially answered, or responded to with incomplete records. Without accurate and complete documentation, it was impossible for me to verify the accuracy of the negative information. \n\nSome companies stated that they no longer had access to records because the account was too old, but they still continued reporting the negative information. Others said the account had been transferred, yet could not provide proof of transfer or itemization of the amounts. \n\nIn each situation, I was left unable to confirm whether the information was correct, yet the reporting continued. \n\nXXXX. My Attempts to Resolve the Situation Over time, I made a series of good-faith attempts to resolve the issues : I contacted creditors and collection agencies directly to ask for explanations and documentation. \n\nI submitted written requests asking for account histories, itemizations, and verification materials. \n\nI disputed inaccuracies with the credit bureaus, explaining that the reporting did not match the actual history of the account or lacked proper documentation. \n\nI provided information, payment records, and clarifications when asked. \n\nI tried to pay or settle accounts when appropriate, even when the balances appeared inflated, to resolve the matter. \n\nI followed up multiple times when companies failed to respond or responded incompletely. \n\nI attempted to correct reporting inconsistencies by notifying each bureau separately. \n\nDespite these efforts, many of the same unresolved issues continued to reappear on my credit reports. \n\nXXXX. Harm Caused by the Inaccurate and Unverified Reporting The ongoing inaccuracies have created significant difficulties for me. Because the negative accounts remained despite my attempts to resolve the matter, I experienced : Denied credit applications Higher interest rates Increased difficulty in being approved for basic services Stress and frustration Repeated efforts to dispute the same items over and over Each time I attempted to explain the situation to lenders, the inconsistent and unclear reporting made the situation more complicated. It became difficult to prove what had occurred without proper documentation from the furnishers. \n\nXXXX. Why I Am Requesting Intervention I am bringing this matter forward because I have exhausted every reasonable effort to resolve the issues directly with the companies involved. At this point : I need clarification. \n\nI need accurate records. \n\nI need verification of the information being reported. \n\nI need the companies to correct the reporting if they can not verify their claims. \n\nI am not seeking to avoid any legitimate responsibility. Rather, I am seeking accurate and fair reporting that reflects the true history of each account. \n\nX. What I Am Requesting Now I am requesting assistance in having the companies : Provide the missing documentation. \n\nExplain the discrepancies. \n\nCorrect any inaccurate information. \n\nRemove any information that can not be verified. \n\nEnsure consistent reporting across all bureaus. \n\nProvide clear responses rather than automated or incomplete verifications. \n\nI am hopeful that with proper review and oversight, these issues can be resolved in a fair and accurate manner.","date_sent_to_company":"2025-11-18T20:39:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63111","tags":null,"has_narrative":true,"complaint_id":"17328646","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-18T20:39:33.000Z","state":"MO","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":["At this point : I <em>need</em> clarification. \n\nI <em>need</em> accurate records. \n\nI <em>need</em> <em>verification</em> of the information being reported. \n\nI <em>need</em> the companies to correct the reporting if they can not <em>verify</em> their claims. \n\nI am not seeking to avoid any legitimate responsibility. Rather, I am seeking accurate and fair reporting that reflects the true history of each account. \n\nX. What I Am Requesting Now I am requesting assistance in having the companies : Provide the missing documentation."]},"sort":[8.447796,"17328646"]},{"_index":"complaint-public-v1","_id":"17319184","_score":8.447796,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over an extended period, I have attempted to address several issues related to how certain accounts were managed, updated, and reported by the companies involved. My intention throughout this process has been to understand what occurred, resolve any legitimate obligations, and ensure that the information being reported about me is accurate and fairly reflects the actual history of each account. Unfortunately, a series of events, communication breakdowns, inconsistent reporting practices, and verification issues have resulted in negative entries continuing to appear on my credit file despite my attempts to correct or clarify them. What follows is a detailed description of what happened, organized into a comprehensive timeline and narrative. \n\nI. Beginning of the Issue : Initial Account Activity and Early Communication Attempts The situation began with several accounts that were originally opened and maintained without any expectation that there would ever be reporting problems. At different times, I made payments, closed accounts, or resolved balances. For many of these accounts, my understanding was that once the balance was paid or the account was closed successfully, the matter was complete. In several cases, the original creditor reflected the account as paid or closed, and I moved forward accordingly. \n\nHowever, years latersometimes long after an account had been closed or paidI discovered that certain accounts were reporting negative information, including late payments, severe delinquency markers, or collection statuses that did not match the actual timeline or the manner in which I handled the accounts. These findings came as a surprise, and I immediately began attempting to understand what had occurred. \n\nWhen I first reached out to several companies about the discrepancies, I did not receive clear explanations or adequate documentation. Some companies did not respond at all, while others simply stated that the information they provided was accurate without offering supporting evidence. This left me uncertain about the basis for the negative information and unsure how to correct it. \n\nXXXX. Accounts That Were Paid or Closed Still Showed Negative Markers XXXX of the issues I encountered was the appearance of late-payment notations or derogatory comments connected to accounts that had already been closed or paid. In several instances, the accounts were showing paid-in-full or closed with a XXXX balance, yet negative information such as XXXX, XXXX, or XXXX late payments continued to appear. \n\nThe problem is that the reporting did not reflect the circumstances that surrounded those periods. For example, there were times when payments were made but the creditor did not process them promptly ; times when the company applied payments incorrectly ; or instances where the creditors own system issues caused delays or misapplied entries. Instead of correcting these internal errors, late-payment markers were placed on the account and remained there even after the creditor had acknowledged that the issues were on their side. \n\nAdditionally, there were cases where the account had long been closed or satisfied, but older negative information remained on the report even though I had been under the impression that these matters were resolved. Each time I attempted to dispute or clarify these issues, the information continued to reappear without a clear explanation of why it was being retained. \n\nXXXX. Placement of Accounts in Collection Without Clear Notice or Explanation Another major issue involved accounts that were sent to third-party collection agencies. In some cases, I did not receive any official notice stating that the debt had been transferred, sold, reassigned, or placed in collections. The first time I learned about the involvement of a collection agency was when the negative entry appeared on my credit file or when I attempted to contact the original creditor and was told verbally that the account had been sold or assigned. \n\nBecause I did not receive proper notice, I was not given the opportunity to resolve the matter directly with the creditor before it was sent to collections. This also meant I never received clear information regarding the breakdown of the alleged owed amount, including interest, fees, or adjustments. Some of the balances reported by the collection agencies appeared significantly higher than expected, and I had no documentation explaining the increases. \n\nAttempts to contact the collection agencies for clarification did not produce meaningful results. In several instances, the agencies would request information from me but would not send documentation back. When I requested itemization of the amounts, the documentation provided was incomplete or lacked dates, statements, or a full breakdown. \n\nThis made it impossible to reconcile the collection amounts with the original obligations, contributing to the ongoing disputes. \n\nIV. Inconsistent Reporting Across Credit Bureaus Another problem I experienced was that certain accounts reported differently across the XXXX major credit bureaus. For example : XXXX account reported as derogatory on XXXX bureau but did not appear at all on another. \n\nA collection account showed a balance on XXXX bureau but showed XXXX on another. \n\nSome accounts reported as paid on XXXX bureau while still showing late-payment histories or derogatory comments on another. \n\nThese inconsistencies created confusion and made it difficult to determine which information was correct. When I contacted the companies to understand why the reporting differed, I was told that they send the same information to each bureau. However, that did not match what was being reflected in the reports. \n\nThis inconsistency also made disputing the accounts challenging because XXXX bureau would claim the information was verified while another bureau would remove or adjust the entry. These conflicting responses made it clear that the information was not being reviewed thoroughly or consistently. \n\nV. Automated Verification Processes That Did Not Address the Actual Issues During multiple disputes, the companies involved used automated verification systems. These automated systems appeared to simply confirm that the account existed, rather than verifying whether the specific late payments, balances, or collection statuses were accurate. \n\nInstead of reviewing : Original contracts Payment ledgers Statements Communications Payment history Transfer or assignment documents the automated process appeared to provide a generic response that the account had been verified. \n\nThis left the underlying issues unresolved. None of the key questions were addressed : Why were certain late payments recorded during periods when payments were made? \n\nWhy were accounts showing derogatory statuses after being closed or paid? \n\nWhy did the balances change without explanation? \n\nWhy were collections placed without notice or proper itemization? \n\nBecause the automated system did not evaluate these specifics, the disputes remained unresolved. \n\nVI. Lack of Clear Documentation from the Companies Throughout this process, I repeatedly attempted to obtain clear documentation that would explain : The dates payments were received How payments were applied How balances were calculated Why accounts were considered delinquent When and why accounts were transferred or sold Which company owned the account at which time Whether the companies provided accurate information to the credit bureaus These requests were often unanswered, partially answered, or responded to with incomplete records. Without accurate and complete documentation, it was impossible for me to verify the accuracy of the negative information. \n\nSome companies stated that they no longer had access to records because the account was too old, but they still continued reporting the negative information. Others said the account had been transferred, yet could not provide proof of transfer or itemization of the amounts. \n\nIn each situation, I was left unable to confirm whether the information was correct, yet the reporting continued. \n\nXXXX. My Attempts to Resolve the Situation Over time, I made a series of good-faith attempts to resolve the issues : I contacted creditors and collection agencies directly to ask for explanations and documentation. \n\nI submitted written requests asking for account histories, itemizations, and verification materials. \n\nI disputed inaccuracies with the credit bureaus, explaining that the reporting did not match the actual history of the account or lacked proper documentation. \n\nI provided information, payment records, and clarifications when asked. \n\nI tried to pay or settle accounts when appropriate, even when the balances appeared inflated, to resolve the matter. \n\nI followed up multiple times when companies failed to respond or responded incompletely. \n\nI attempted to correct reporting inconsistencies by notifying each bureau separately. \n\nDespite these efforts, many of the same unresolved issues continued to reappear on my credit reports. \n\nXXXX. Harm Caused by the Inaccurate and Unverified Reporting The ongoing inaccuracies have created significant difficulties for me. Because the negative accounts remained despite my attempts to resolve the matter, I experienced : Denied credit applications Higher interest rates Increased difficulty in being approved for basic services Stress and frustration Repeated efforts to dispute the same items over and over Each time I attempted to explain the situation to lenders, the inconsistent and unclear reporting made the situation more complicated. It became difficult to prove what had occurred without proper documentation from the furnishers. \n\nXXXX. Why I Am Requesting Intervention I am bringing this matter forward because I have exhausted every reasonable effort to resolve the issues directly with the companies involved. At this point : I need clarification. \n\nI need accurate records. \n\nI need verification of the information being reported. \n\nI need the companies to correct the reporting if they can not verify their claims. \n\nI am not seeking to avoid any legitimate responsibility. Rather, I am seeking accurate and fair reporting that reflects the true history of each account. \n\nX. What I Am Requesting Now I am requesting assistance in having the companies : Provide the missing documentation. \n\nExplain the discrepancies. \n\nCorrect any inaccurate information. \n\nRemove any information that can not be verified. \n\nEnsure consistent reporting across all bureaus. \n\nProvide clear responses rather than automated or incomplete verifications. \n\nI am hopeful that with proper review and oversight, these issues can be resolved in a fair and accurate manner.","date_sent_to_company":"2025-11-18T20:39:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63111","tags":null,"has_narrative":true,"complaint_id":"17319184","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-18T20:27:53.000Z","state":"MO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["At this point : I <em>need</em> clarification. \n\nI <em>need</em> accurate records. \n\nI <em>need</em> <em>verification</em> of the information being reported. \n\nI <em>need</em> the companies to correct the reporting if they can not <em>verify</em> their claims. \n\nI am not seeking to avoid any legitimate responsibility. Rather, I am seeking accurate and fair reporting that reflects the true history of each account. \n\nX. What I Am Requesting Now I am requesting assistance in having the companies : Provide the missing documentation."]},"sort":[8.447796,"17319184"]},{"_index":"complaint-public-v1","_id":"15476082","_score":8.421373,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint because my credit report contains numerous inaccurate and unlawful items that are causing severe damage to my credit score, financial stability, and personal reputation. These errors include incorrect addresses, unverifiable charge-offs, unlawful collections, false late payments, and unauthorized credit inquiries. Each item reflects a failure by the credit bureaus and furnishers to follow the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These repeated violations have caused significant emotional distress, financial setbacks, and reputational harm. I demand immediate correction of all the inaccurate information listed below. \nWrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This is a business entity, not a personal residence, and should never appear in my credit report as my address.\n\nLaw : FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ) require consumer reporting agencies to disclose accurate and verifiable information only.\n\nStory : Linking my file to a law firm address has created an entirely false narrative that I am involved in legal matters. It has caused undue stress, embarrassment, and has led lenders to question my financial responsibility. This error has forced me to spend hours explaining my situation and fighting misperceptions that were never mine to begin with.\n\nAccount : XXXX XXXX High Balance : {$25000.00} Date Opened : XX/XX/XXXX Charged Off Issue : This charge-off is inaccurate, incomplete, and unverifiable.\n\nLaw : Under FCRA 609 and 611, furnishers must provide complete verification. FDCPA 807 prohibits misrepresentation of debt.\n\nStory : This account has been reported as a charge-off without providing me proper validation or documentation. It has damaged my credit score, leading to repeated loan denials, higher interest rates, and humiliation during credit checks. Each lender views this entry as evidence of irresponsibility, which is entirely misleading. This has directly affected my ability to finance necessities and pursue opportunities like homeownership. \nAccount : XXXX XXXX XXXX High Balance : {$42000.00} Date Opened : XX/XX/XXXX Charged Off Issue : Reporting shows an unlawful charge-off without full verification of balance or payments.\n\nLaw : FCRA 607 ( b ) requires maximum accuracy, and FDCPA 809 ( b ) requires proper debt validation.\n\nStory : The presence of this inaccurate charge-off has caused real, tangible consequences. I was denied a car loan that I desperately needed, and even professional opportunities were questioned due to this false reporting. The emotional toll of being treated as financially irresponsible despite my efforts to maintain good credit has been overwhelming.\n\nAccount : XXXX XXXX XXXX XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charged Off Issue : This account is listed as charged off but is being reported inconsistently across bureaus.\n\nLaw : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know is inaccurate.\n\nStory : Inconsistent reporting has caused me repeated denials of credit, and each application feels like a personal battle. I have spent countless hours speaking to lenders, disputing records, and providing documentation that should never have been questioned. The repeated misreporting has created not just financial harm but emotional distress, XXXX, and a sense of helplessness. \nAccount : XXXX XXXXXXXX High Balance : {$54000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payments are reported inaccurately and without proper verification.\n\nLaw : FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) require full investigation into disputes.\n\nStory : This student loan account has been reported with false late payments spanning decades. The emotional strain is significantmy professional reputation, personal confidence, and financial stability are constantly questioned. Despite efforts to clarify the record, these entries remain, harming my ability to secure loans, maintain financial security, and plan for the future. \nAccount : XXXX XXXX XXXX XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Collection Issue : This collection is not verified and may be re-aged.\n\nLaw : FDCPA 807 prohibits false representation of debt.\n\nStory : The repeated appearance of this collection has caused enormous stress. Each time I apply for a credit card, mortgage, or loan, I am forced to explain a debt that may not exist in the reported form. It has caused humiliation, fear, and financial uncertainty. I have had to dedicate hours to disputing inaccurate reporting instead of focusing on legitimate financial responsibilities. \nAccounts : XXXX XXXX XXXX XXXXXXXX Multiple Balances ( {$1600.00}, {$2400.00}, {$730.00}, {$950.00} ) Opened between XXXX XXXX Collection Issue : These appear to be duplicate and re-aged collections for the same alleged debt.\n\nLaw : FDCPA 808 ( 1 ) prohibits collection of any amount not authorized. FCRA 607 ( b ) requires accuracy and prevents duplicate reporting.\n\nStory : The duplicates make it look like I owe multiple debts instead of one, inflating my credit obligations unfairly. This has led to repeated denials of credit and lenders viewing me as high-risk. The stress, embarrassment, and financial strain are immense, as each new inquiry or denial reinforces the false narrative\n.\n\nAccount : XXXX XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$0.00} Late Payment Issue : This account shows late payment even though the balance is {$0.00}.\n\nLaw : FCRA 623 ( a ) ( 1 ) prohibits furnishers from reporting information they know is inaccurate.\n\nStory : Reporting a late payment on a XXXX balance account is absurd, misleading, and harmful. It has negatively impacted my credit score, making it harder to obtain financial services, and has caused unnecessary anxiety and confusion.\n\nUnauthorized Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : These inquiries were made without my authorization. \nLaw : FCRA 604 ( a ) ( 3 ) prohibits credit inquiries without a permissible purpose.\n\nStory : These inquiries are unlawful and continue to reduce my credit score. Each inquiry gives a false impression that I am irresponsibly applying for multiple lines of credit. It has led to a loss of opportunities, increased financial scrutiny, and emotional distress.\n\nIn conclusion, my credit file reflects repeated violations of my rights under FCRA and FDCPA, causing emotional, financial, and reputational harm. I demand immediate deletion of all inaccurate addresses, unverifiable accounts, unlawful late payments, and unauthorized inquiries. If these violations are not corrected, I will pursue further legal action to protect my rights and seek damages for the harm caused.","date_sent_to_company":"2025-08-23T20:28:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77025","tags":null,"has_narrative":true,"complaint_id":"15476082","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-23T20:26:06.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Account : XXXX XXXX XXXX High Balance : {$42000.00} Date Opened : XX/XX/XXXX Charged Off Issue : Reporting <em>shows</em> an unlawful charge-off without full <em>verification</em> of balance or payments.\n\nLaw : FCRA 607 ( b ) requires maximum accuracy, and FDCPA 809 ( b ) requires proper debt validation.\n\nStory : The presence of this inaccurate charge-off has caused real, tangible consequences."]},"sort":[8.421373,"15476082"]},{"_index":"complaint-public-v1","_id":"4202548","_score":7.861123,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I opened a Capital One Credit Card in XX/XX/XXXX, at the time of opening the card there was an erroneous collection on my account and charge off that was due to fraud. Late XXXX I removed these charges permanently off my credit card my credit instantly rose to XXXX. \n\nI added my husband as an authorized user as soon as I opened the card and Capital One seamed you be very interested in who he was to me. With my new high credit score I applied to get an increase with my credit limit and was consistently denied, I applied for a new credit card with capital one I was also denied because I had such a low limit and I was spending so much money each month I exhausted all of my credit utilization and my score dropped. Capital One continued to give me bogus reasons why they were denying me, but I believe it to be caused by my sexuality. \nIn their denial letters they left empty bullet points as if they were going to add all of the reasons later. I complained multiple times with Capital Ones customer service and flat out accused them of biais starting in XXXX of XXXX. I spoke to an escalation department representative in the beginning of the fall sometime and she promised me she would do something to increase my limit. \n\nIn the fall of XXXX, I was harassed by Capital One to sign up for a supposedly pre-approved Savor card. I assumed this was resultant of my efforts with the escalation department however the card was not the credit card I was hoping for in terms of rewards. \n\nCapital One sent me multiple pet approved offer letters, multiple emails and finally put a non removable banner advertisement for the preapproved card offer on my capital one mobile app. I could not escape it and would see every time I went in to make a payment or check my account daily. I called to inquire with the representative about the card and I was told that my Quicksilver card would be upgraded if I accepted their preapproved offer which was based on my previous quick silver application and stellar payment history. I hadnt upgraded the card previously because I thought I should be eligible for a more superior venture card. \n\nI finally decided to accept their preapproved offer and immediately got an inquiry on my credit report, I called Capital One immediately and asked why I received an inquiry on my credit report as I thought I was upgrading my current account. They explained to me that I had inadvertently signed up for a brand new credit card account. I was not happy about this, because of the new inquiry my credit score went down, however I was happy to have a credit card with a high balance that I could use regularly without hurting my credit score because of high utilization due to the extremely low balance. \n\nI was approved for their Savor credit card, which was very confusing to me because I thought I was already pre-approved. I started using the card immediately. I placed several transactions on the card and was even sent the card in the mail and a pre-approval approval email which solidified their express and or implied contract. \n\nA few days after Capital Ones approval of their pre-approval Capital One said that they needed me to submit my IRS tax transcripts because they needed to verify suspicious transactions on my account I ask the representatives many times why an IRS transcript is needed to verify suspicious transactions, I told him I was willing to submit my passport, my marriage certificate, my husbands passport and both our birth certificates however Capital One wanted said they needed these items to verify suspicious transactions on my account. I have tried for months sending Capital One certified letters with legal threats as well as emails and calls to every department in Capital One. In XXXX Capital One closed my account without giving me any reason. \n\nIt is my belief that I am being denied because of the authorized user on my account because my husband is an immigrant with a fresh SSN and little credit history and because we are a XXXX couple. Even if a company representative didnt directly make these decisions a computer systems may have. Capital One openly admits using machine learning and artificial intelligence in these decision algorithms. They use very same algorithms as the XXXXXXXX XXXX XXXX  used in the recent scandal. XXXXXXXX XXXX XXXX gave XXXX own co-founder XXXX XXXX a credit limit 10 times more than his wife who had a better score while it gave other husbands who also made complaints complaints 20-40 times credit than their wives. \n\nXXXX : XXXX A survey by XXXX showed that 62 % of XXXX people have experienced difficulties get approved for a credit card or a loan because of their XXXX status. This is despite the fact that XXXX people make more money on average than heterosexuals, have higher credit scores, and are less risky financially overall than heterosexuals. XXXX people also get charged a higher interest rate. XXXX borrowers are 73 percent more likely to be denied mortgage according to research despite being less risky overall, same-sex borrowers are less likely to get a mortgage. When they are approved, they face higher interest. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Capital one has violated their own express/implied contract by reengaging their pre-approved offer after offer, acceptance and consideration. I made purchases on the card, they sent me the card and then the took the card away the card until I had the IRS verify my income. If IRS transcripts could be requested after the fact there should have been some notification. Capital One has refused to disclose the reason for their obvious income verification in recorded telephone conversations and when pressured on these reasons they have changed the narrative that they need the IRS tax transcripts to verify suspicions transactions. I have recordings of their representatives saying this. This is implausible because the only IRS tax transcripts available would be from XXXX which I didnt have the card until XX/XX/XXXX and even if I had the card in XXXX I doubt I deducted my suspicious XXXXXXXX XXXX XXXX transaction. Capital One has violated Equal Opportunity Credit Act by not giving me a reason for my after the fact retroactive denial and breach of implied/express contract within 30-60 days as prescribed by law. Capital One is also violating 15 U.S. Code 1637 in regards to disclosure and major changes to an agreement in ( i ) 2. Capital One also violates regulation Z in addition to clearly falsely advertising a pre-approved credit card that clearly needs to be approved and is not pre-approved. It also appears that when the card is pre-approved and then is finally approved which I thought already happened its still actually not approved and can be rescinded at any waking moment for any undisclosed reason. This is utter XXXX. My credit score has dropped tremendously because of Capital One and I have suffered so many issues from not being able to rent the apartment I want to lost real estate investments.","date_sent_to_company":"2021-03-10T09:11:11.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"100XX","tags":null,"has_narrative":true,"complaint_id":"4202548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-03-10T07:18:05.000Z","state":"NY","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["A few days after Capital Ones approval of their pre-approval Capital One said that they <em>needed</em> me to submit my IRS tax transcripts because they <em>needed</em> to <em>verify</em> suspicious transactions on my account I ask the representatives many times why an IRS transcript is <em>needed</em> to <em>verify</em> suspicious transactions, I told him I was willing to submit my passport, my marriage certificate, my husbands passport and both our birth certificates however Capital One wanted said they <em>needed</em> these items to <em>verify</em> suspicious"]},"sort":[7.861123,"4202548"]},{"_index":"complaint-public-v1","_id":"5190362","_score":7.749824,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I placed complaint case # XXXX with the CFPB on XX/XX/XXXX regarding student loan account ending in \" XXXX '' that is currently reporting inaccurately due to regulatory compliance violations including UDAAP \" Unfair or Deceptive Acts or Practices, '' TILA \" Truth in Lending Act, '' and the FCRA \" Fair Credit Reporting Act '' by Wells Fargo Bank XXXX XXXX and the associates I spoke to on XX/XX/XXXX, and XX/XX/XXXX. This is in reference to Wells Fargo case # XXXX. \n\nThe XXXX and XXXX regulatory violations and Background are as follows : XXXX. I spoke to Wells Fargo 's student loan department on XX/XX/XXXX to request a possible forbearance. I was told in this conversation that I had no forbearance time available, that I had a past balance due, and there was nothing that could be done due to the loan transferring to XXXX XXXX. I then asked about any possible repayment options, and was told that I could speak to the payment assistance team. I was then transferred to that department, and was told the same response. This response seemed incorrect, unfair, and deceptive. \n\nXXXX. I called Wells Fargo again on XX/XX/XXXX because the previous conversation regarding the forbearance, and not having options available due to the loan being transferred sounded incorrect, unfair, and deceptive. In the phone called, I asked the same questions regarding forbearance, and about payment options. I was told that I could make payments until the XX/XX/XXXX, but I would have to speak to XXXX regarding any other issues due to the loan being transferred. Again, this seemed to be incorrect, unfair, and deceptive. \n\nXXXX. After the loan was transferred to XXXX on XX/XX/XXXX, I called them immediately, and made the same request regarding forbearance and possible repayment options, and they immediately accepted my request under the condition that I still had forbearance time available under the contractual terms and conditions transferred from Wells Fargo with the loan ending in XXXX. On XX/XX/XXXX it was confirmed that I had been approved for forbearance under the same contractual terms as Wells Fargo. XXXX also backdated the forbearance to cover previous monthly payments, but due to the transfer taking place before the forbearance was initiated, XXXX could not backdate the negative reporting any earlier than XX/XX/XXXX. A request was made to wells fargo to remove the negative late payment reporting by Wells Fargo with no response. \n\nI have included letters that prove XXXX approved the forbearance of the transferred loan, and the original welcome letter from XXXX that confirms XXXX XXXX terms and conditions will be used for the servicing of the loan, and specifically reads \". Even though your student loan ( XXXX ) transferred, the terms and conditions of your loan ( XXXX ) have not changed. '' Letters will be attached for documentation purposes. \n\nI am also filing an additional complaint of \" UDAAP '' regulatory compliance violations due to the the response I receive during a phone call with Wells Fargo Bank XXXX. XXXX Office Case XXXX XXXX XXXX on XX/XX/XXXX at XXXX EST. The call duration was XXXX XXXX. Please reference the pre-disclosed monitored and recorded call in this time frame as evidence to this complaint as well as Wells Fargo case # XXXX response letter dated XX/XX/XXXX. Also refer to Wells Fargo case # XXXX response letter dated XX/XX/XXXX. \n\nThe regulatory UDAAP violations are as follows : XXXX. Wells Fargo called me on XX/XX/XXXX with a resolution to my CFPB compaint # XXXX. A Wells Fargo XXXX XXXX XXXX XXXX named XXXX XXXX attempted to give and explain the resolution. Unfortunately the resolution explained contained false information regarding my first conversation with Wells Fargo on XX/XX/XXXX. XXXX XXXX claimed that on XX/XX/XXXX, the representative I spoke to gave me to option to \" Pay '' my outstanding balance in exchange for the submittal of a \" possible '' forbearance. This information is falsified, and an option to submit a forbearance was not offered at any point in the conversation. This is also evidenced in the second call that was made on XX/XX/XXXX when I made the same request for forbearance. But no option of forbearance was offered under any circumstance from Wells Fargo on either call on XX/XX/XXXX or XX/XX/XXXX. XXXX XXXX XXXX attempted to give an explanation of the call on XX/XX/XXXX when I asked her to justify the reason she had notes regarding the purpose for the duplicate call for forbearance, but the call notes contained no evidence or reference to actually answering my question regarding forbearance. The word \" Forbearance '' was not even used once in the representative response call record on XX/XX/XXXX. And instead, the rep again informed me that I had past due balance that I could pay until the XX/XX/XXXX, and to contact XXXX regarding any other issue, and therefore avoiding the forbearance conversation and solution entirely. I brought up this contradiction to XXXX XXXX during the conversation, and instead of agreeing to further investigate the matter, she attempted to falsify and report to me a potential narrative and explanation of why the notes of the call don't contain information regarding my request by stating \" They probably read the notes of the previous call and assumed that because you spoke to someone else about forbearance, you already knew the information and they didn't need to explain. '' Not only does this show inconsistencies in the response by Wells Fargos XXXX XXXX servicing team by refusing to service a transferring account. But it also shows that in cases containing inconsistencies and contradicting information, Wells Fargos regulatory XXXX XXXX XXXX XXXX can create, and falsify narratives to explain information they don't have facts or documentation to verify. I told XXXX XXXX to resubmit the complaint referencing the conversation I was having with her as a part of the complaint as well. \nI received another letter dated XX/XX/XXXX in response to that complaint request with XXXX XXXX. On XX/XX/XXXX, which was even further redacted than the first letter, made no mention of the issues I raised in the phone call with XXXX XXXX, and made no mention to the call I made on XX/XX/XXXX to Wells Fargo, as if they are trying to omit and hide relevant information. \n\nFurthermore, the letter I received on XX/XX/XXXX specifies that Wells Fargo had confirmed repayment letters were sent to the address on file, and also confirmed that statements were mailed to the address on file. The letter states that in the enclosed envelope are copies of each repayment letter and statement for my review. However, not a single repayment letter, nor statement was enclosed with the letter. \n\nAll documentation will be attached.","date_sent_to_company":"2022-02-05T07:26:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23229","tags":null,"has_narrative":true,"complaint_id":"5190362","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-02-05T07:09:13.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["But it also <em>shows</em> that in cases containing inconsistencies and contradicting information, Wells Fargos regulatory XXXX XXXX XXXX XXXX can create, and falsify <em>narratives</em> to explain information they don't have facts or documentation to <em>verify</em>. I told XXXX XXXX to resubmit the complaint referencing the conversation I was having with her as a part of the complaint as well. \nI received another letter dated XX/XX/XXXX in response to that complaint request with XXXX XXXX."]},"sort":[7.749824,"5190362"]},{"_index":"complaint-public-v1","_id":"5190359","_score":7.749824,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I placed complaint case # XXXX with the CFPB on XX/XX/XXXX regarding student loan account ending in \" XXXX '' that is currently reporting inaccurately due to regulatory compliance violations including UDAAP \" Unfair or Deceptive Acts or Practices, '' TILA \" Truth in Lending Act, '' and the FCRA \" Fair Credit Reporting Act '' by XXXX XXXX XXXX  XXXX XXXX and the associates I spoke to on XX/XX/XXXX, and XX/XX/XXXX. This is in reference to XXXX XXXX case # XXXX. \n\nThe UDAAP and TILA regulatory violations and Background are as follows : 1. I spoke to XXXX XXXX 's student loan department on XX/XX/XXXX to request a possible forbearance. I was told in this conversation that I had no forbearance time available, that I had a past balance due, and there was nothing that could be done due to the loan transferring to XXXX XXXX. I then asked about any possible repayment options, and was told that I could speak to the payment assistance team. I was then transferred to that department, and was told the same response. This response seemed incorrect, unfair, and deceptive. \n\n2. I called XXXX XXXX again on XX/XX/XXXX because the previous conversation regarding the forbearance, and not having options available due to the loan being transferred sounded incorrect, unfair, and deceptive. In the phone called, I asked the same questions regarding forbearance, and about payment options. I was told that I could make payments until the XX/XX/XXXX, but I would have to speak to XXXX regarding any other issues due to the loan being transferred. Again, this seemed to be incorrect, unfair, and deceptive. \n\n3. After the loan was transferred to XXXX on XX/XX/XXXX, I called them immediately, and made the same request regarding forbearance and possible repayment options, and they immediately accepted my request under the condition that I still had forbearance time available under the contractual terms and conditions transferred from XXXX XXXX with the loan ending in XXXX. On XX/XX/XXXX it was confirmed that I had been approved for forbearance under the same contractual terms as XXXX XXXX. XXXX also backdated the forbearance to cover previous monthly payments, but due to the transfer taking place before the forbearance was initiated, XXXX could not backdate the negative reporting any earlier than XX/XX/XXXX. A request was made to XXXX XXXX  to remove the negative late payment reporting by XXXX XXXX with no response. \n\nI have included letters that prove XXXX approved the forbearance of the transferred loan, and the original welcome letter from XXXX that confirms XXXX XXXX terms and conditions will be used for the servicing of the loan, and specifically reads \". Even though your student loan ( s ) transferred, the terms and conditions of your loan ( s ) have not changed. '' Letters will be attached for documentation purposes. \n\nI am also filing an additional complaint of \" UDAAP '' regulatory compliance violations due to the the response I receive during a phone call with XXXX XXXX XXXX XXXX. Executive Office Case Specialist XXXX XXXX on XX/XX/XXXX at XXXX EST. The call duration was XXXX XXXX. Please reference the pre-disclosed monitored and recorded call in this time frame as evidence to this complaint as well as XXXX XXXX case # XXXX response letter dated XX/XX/XXXX. Also refer to XXXX XXXX case # XXXX response letter dated XX/XX/XXXX. \n\nThe regulatory UDAAP violations are as follows : 1. XXXX XXXX called me on XX/XX/XXXX with a resolution to my CFPB compaint # XXXX. A XXXX XXXX Executive Office Case Specialist named XXXX XXXX attempted to give and explain the resolution. Unfortunately the resolution explained contained false information regarding my first conversation with XXXX XXXX on XX/XX/XXXX. XXXX XXXX claimed that on XX/XX/XXXX, the representative I spoke to gave me to option to \" Pay '' my outstanding balance in exchange for the submittal of a \" possible '' forbearance. This information is falsified, and an option to submit a forbearance was not offered at any point in the conversation. This is also evidenced in the second call that was made on XX/XX/XXXX when I made the same request for forbearance. But no option of forbearance was offered under any circumstance from XXXX XXXX on either call on XX/XX/XXXX or XX/XX/XXXX. XXXX XXXX then attempted to give an explanation of the call on XX/XX/XXXX when I asked her to justify the reason she had notes regarding the purpose for the duplicate call for forbearance, but the call notes contained no evidence or reference to actually answering my question regarding forbearance. The word \" Forbearance '' was not even used once in the representative response call record on XX/XX/XXXX. And instead, the rep again informed me that I had past due balance that I could pay until the XX/XX/XXXX, and to contact XXXX regarding any other issue, and therefore avoiding the forbearance conversation and solution entirely. I brought up this contradiction to XXXX XXXX during the conversation, and instead of agreeing to further investigate the matter, she attempted to falsify and report to me a potential narrative and explanation of why the notes of the call don't contain information regarding my request by stating \" They probably read the notes of the previous call and assumed that because you spoke to someone else about forbearance, you already knew the information and they didn't need to explain. '' Not only does this show inconsistencies in the response by XXXX XXXX Student Loan servicing team by refusing to service a transferring account. But it also shows that in cases containing inconsistencies and contradicting information, XXXX XXXX regulatory Executive Office Case Specialists can create, and falsify narratives to explain information they don't have facts or documentation to verify. I told XXXX XXXX to resubmit the complaint referencing the conversation I was having with her as a part of the complaint as well. \nI received another letter dated XX/XX/XXXX in response to that complaint request with XXXX XXXX. On XX/XX/XXXX, which was even further redacted than the first letter, made no mention of the issues I raised in the phone call with XXXX XXXX, and made no mention to the call I made on XX/XX/XXXX to XXXX XXXX, as if they are trying to omit and hide relevant information. \n\nFurthermore, the letter I received on XX/XX/XXXX specifies that XXXX XXXX had confirmed repayment letters were sent to the address on file, and also confirmed that statements were mailed to the address on file. The letter states that in the enclosed envelope are copies of each repayment letter and statement for my review. However, not a single repayment letter, nor statement was enclosed with the letter. \n\nAll documentation will be attached.","date_sent_to_company":"2022-02-05T07:26:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23229","tags":null,"has_narrative":true,"complaint_id":"5190359","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-05T07:26:41.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["But it also <em>shows</em> that in cases containing inconsistencies and contradicting information, XXXX XXXX regulatory Executive Office Case Specialists can create, and falsify <em>narratives</em> to explain information they don't have facts or documentation to <em>verify</em>. I told XXXX XXXX to resubmit the complaint referencing the conversation I was having with her as a part of the complaint as well. \nI received another letter dated XX/XX/XXXX in response to that complaint request with XXXX XXXX."]},"sort":[7.749824,"5190359"]},{"_index":"complaint-public-v1","_id":"5190361","_score":7.698579,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I placed complaint case # XXXX with the CFPB on XX/XX/XXXX regarding student loan account ending in \" XXXX '' that is currently reporting inaccurately due to regulatory compliance violations including UDAAP \" Unfair or Deceptive Acts or Practices, '' TILA \" Truth in Lending Act, '' and the FCRA \" Fair Credit Reporting Act '' by XXXX XXXX XXXX  XXXX XXXX and the associates I spoke to on XX/XX/XXXX, and XX/XX/XXXX. This is in reference to XXXX XXXX case # XXXX. \n\nThe UDAAP and TILA regulatory violations and Background are as follows : 1. I spoke to XXXX XXXX XXXX student loan department on XX/XX/XXXX to request a possible forbearance. I was told in this conversation that I had no forbearance time available, that I had a past balance due, and there was nothing that could be done due to the loan transferring to XXXX XXXX. I then asked about any possible repayment options, and was told that I could speak to the payment assistance team. I was then transferred to that department, and was told the same response. This response seemed incorrect, unfair, and deceptive. \n\n2. I called XXXX XXXX again on XX/XX/XXXX because the previous conversation regarding the forbearance, and not having options available due to the loan being transferred sounded incorrect, unfair, and deceptive. In the phone called, I asked the same questions regarding forbearance, and about payment options. I was told that I could make payments until the XX/XX/XXXX, but I would have to speak to XXXX regarding any other issues due to the loan being transferred. Again, this seemed to be incorrect, unfair, and deceptive. \n\n3. After the loan was transferred to XXXX on XX/XX/XXXX, I called them immediately, and made the same request regarding forbearance and possible repayment options, and they immediately accepted my request under the condition that I still had forbearance time available under the contractual terms and conditions transferred from XXXX XXXX with the loan ending in XXXX. On XX/XX/XXXX it was confirmed that I had been approved for forbearance under the same contractual terms as XXXX XXXX. XXXX also backdated the forbearance to cover previous monthly payments, but due to the transfer taking place before the forbearance was initiated, XXXX could not backdate the negative reporting any earlier than XX/XX/XXXX. A request was made to XXXX XXXX  to remove the negative late payment reporting by XXXX XXXX with no response. \n\nI have included letters that prove XXXX approved the forbearance of the transferred loan, and the original welcome letter from XXXX that confirms XXXX XXXX terms and conditions will be used for the servicing of the loan, and specifically reads \". Even though your student loan ( s ) transferred, the terms and conditions of your loan ( s ) have not changed. '' Letters will be attached for documentation purposes. \n\nI am also filing an additional complaint of \" UDAAP '' regulatory compliance violations due to the the response I receive during a phone call with XXXX XXXX XXXX XXXX. Executive Office Case Specialist XXXX XXXX on XX/XX/XXXX at XXXX XXXX. The call duration was XXXX XXXX. Please reference the pre-disclosed monitored and recorded call in this time frame as evidence to this complaint as well as XXXX XXXX case # XXXX response letter dated XX/XX/XXXX. Also refer to XXXX XXXX case # XXXX response letter dated XX/XX/XXXX. \n\nThe regulatory UDAAP violations are as follows : XXXX. XXXX XXXX called me on XX/XX/XXXX with a resolution to my CFPB compaint # XXXX. A XXXX XXXX Executive Office Case Specialist named XXXX XXXX attempted to give and explain the resolution. Unfortunately the resolution explained contained false information regarding my first conversation with XXXX XXXX on XX/XX/XXXX. XXXX XXXX claimed that on XX/XX/XXXX, the representative I spoke to gave me to option to \" Pay '' my outstanding balance in exchange for the submittal of a \" possible '' forbearance. This information is falsified, and an option to submit a forbearance was not offered at any point in the conversation. This is also evidenced in the second call that was made on XX/XX/XXXX when I made the same request for forbearance. But no option of forbearance was offered under any circumstance from XXXX XXXX on either call on XX/XX/XXXX or XX/XX/XXXX. XXXX XXXX then attempted to give an explanation of the call on XX/XX/XXXX when I asked her to justify the reason she had notes regarding the purpose for the duplicate call for forbearance, but the call notes contained no evidence or reference to actually answering my question regarding forbearance. The word \" Forbearance '' was not even used once in the representative response call record on XX/XX/XXXX. And instead, the rep again informed me that I had past due balance that I could pay until the XX/XX/XXXX, and to contact XXXX regarding any other issue, and therefore avoiding the forbearance conversation and solution entirely. I brought up this contradiction to XXXX XXXX during the conversation, and instead of agreeing to further investigate the matter, she attempted to falsify and report to me a potential narrative and explanation of why the notes of the call don't contain information regarding my request by stating \" They probably read the notes of the previous call and assumed that because you spoke to someone else about forbearance, you already knew the information and they didn't need to explain. '' Not only does this show inconsistencies in the response by XXXX XXXX XXXX XXXX servicing team by refusing to service a transferring account. But it also shows that in cases containing inconsistencies and contradicting information, XXXX XXXX regulatory Executive Office Case Specialists can create, and falsify narratives to explain information they don't have facts or documentation to verify. I told XXXX XXXX to resubmit the complaint referencing the conversation I was having with her as a part of the complaint as well. \nI received another letter dated XX/XX/XXXX in response to that complaint request with XXXX XXXX. On XX/XX/XXXX, which was even further redacted than the first letter, made no mention of the issues I raised in the phone call with XXXX XXXX, and made no mention to the call I made on XX/XX/XXXX to XXXX XXXX, as if they are trying to omit and hide relevant information. \n\nFurthermore, the letter I received on XX/XX/XXXX specifies that XXXX XXXX had confirmed repayment letters were sent to the address on file, and also confirmed that statements were mailed to the address on file. The letter states that in the enclosed envelope are copies of each repayment letter and statement for my review. However, not a single repayment letter, nor statement was enclosed with the letter. \n\nAll documentation will be attached.","date_sent_to_company":"2022-02-05T07:26:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23229","tags":null,"has_narrative":true,"complaint_id":"5190361","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-02-05T07:26:41.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["But it also <em>shows</em> that in cases containing inconsistencies and contradicting information, XXXX XXXX regulatory Executive Office Case Specialists can create, and falsify <em>narratives</em> to explain information they don't have facts or documentation to <em>verify</em>. I told XXXX XXXX to resubmit the complaint referencing the conversation I was having with her as a part of the complaint as well. \nI received another letter dated XX/XX/XXXX in response to that complaint request with XXXX XXXX."]},"sort":[7.698579,"5190361"]},{"_index":"complaint-public-v1","_id":"5190360","_score":7.692959,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I placed complaint case # XXXX with the CFPB on XX/XX/XXXX regarding student loan account ending in \" XXXX '' that is currently reporting inaccurately due to regulatory compliance violations including XXXX \" Unfair or Deceptive Acts or Practices, '' XXXX \" Truth in Lending Act, '' and the XXXX \" Fair Credit Reporting Act '' by XXXX XXXX XXXX XXXX XXXX and the associates I spoke to on XX/XX/XXXX, and XX/XX/XXXX. This is in reference to XXXX XXXX case # XXXX. \n\nThe XXXX and XXXX regulatory violations and Background are as follows : XXXX. I spoke to XXXX XXXX 's student loan department on XX/XX/XXXX to request a possible forbearance. I was told in this conversation that I had no forbearance time available, that I had a past balance due, and there was nothing that could be done due to the loan transferring to XXXX XXXX. I then asked about any possible repayment options, and was told that I could speak to the payment assistance team. I was then transferred to that department, and was told the same response. This response seemed incorrect, unfair, and deceptive. \n\nXXXX. I called XXXX XXXX again on XX/XX/XXXX because the previous conversation regarding the forbearance, and not having options available due to the loan being transferred sounded incorrect, unfair, and deceptive. In the phone called, I asked the same questions regarding forbearance, and about payment options. I was told that I could make payments until the XX/XX/XXXX, but I would have to speak to XXXX regarding any other issues due to the loan being transferred. Again, this seemed to be incorrect, unfair, and deceptive. \n\nXXXX. After the loan was transferred to XXXX on XX/XX/XXXX, I called them immediately, and made the same request regarding forbearance and possible repayment options, and they immediately accepted my request under the condition that I still had forbearance time available under the contractual terms and conditions transferred from XXXX XXXX with the loan ending in XXXX. On XX/XX/XXXX it was confirmed that I had been approved for forbearance under the same contractual terms as XXXX XXXX. XXXX also backdated the forbearance to cover previous monthly payments, but due to the transfer taking place before the forbearance was initiated, XXXX could not backdate the negative reporting any earlier than XX/XX/XXXX. A request was made to XXXX XXXX to remove the negative late payment reporting by XXXX XXXX with no response. \n\nI have included letters that prove XXXX approved the forbearance of the transferred loan, and the original welcome letter from XXXX that confirms XXXX XXXX terms and conditions will be used for the servicing of the loan, and specifically reads \". Even though your student loan ( XXXX ) transferred, the terms and conditions of your loan ( XXXX ) have not changed. '' Letters will be attached for documentation purposes. \n\nI am also filing an additional complaint of \" XXXX '' regulatory compliance violations due to the the response I receive during a phone call with XXXX XXXX XXXX XXXX. XXXX Office Case XXXX XXXX XXXX on XX/XX/XXXX at XXXX EST. The call duration was XXXX XXXX. Please reference the pre-disclosed monitored and recorded call in this time frame as evidence to this complaint as well as XXXX XXXX case # XXXX response letter dated XX/XX/XXXX. Also refer to XXXX XXXX case # XXXX response letter dated XX/XX/XXXX. \n\nThe regulatory XXXX violations are as follows : XXXX. XXXX XXXX called me on XX/XX/XXXX with a resolution to my CFPB compaint # XXXX. A XXXX XXXX XXXX XXXX XXXX XXXX named XXXX XXXX attempted to give and explain the resolution. Unfortunately the resolution explained contained false information regarding my first conversation with XXXX XXXX on XX/XX/XXXX. XXXX XXXX claimed that on XX/XX/XXXX, the representative I spoke to gave me to option to \" Pay '' my outstanding balance in exchange for the submittal of a \" possible '' forbearance. This information is falsified, and an option to submit a forbearance was not offered at any point in the conversation. This is also evidenced in the second call that was made on XX/XX/XXXX when I made the same request for forbearance. But no option of forbearance was offered under any circumstance from XXXX XXXX on either call on XX/XX/XXXX or XX/XX/XXXX. XXXX XXXX XXXX attempted to give an explanation of the call on XX/XX/XXXX when I asked her to justify the reason she had notes regarding the purpose for the duplicate call for forbearance, but the call notes contained no evidence or reference to actually answering my question regarding forbearance. The word \" Forbearance '' was not even used once in the representative response call record on XX/XX/XXXX. And instead, the rep again informed me that I had past due balance that I could pay until the XX/XX/XXXX, and to contact XXXX regarding any other issue, and therefore avoiding the forbearance conversation and solution entirely. I brought up this contradiction to XXXX XXXX during the conversation, and instead of agreeing to further investigate the matter, she attempted to falsify and report to me a potential narrative and explanation of why the notes of the call don't contain information regarding my request by stating \" They probably read the notes of the previous call and assumed that because you spoke to someone else about forbearance, you already knew the information and they didn't need to explain. '' Not only does this show inconsistencies in the response by XXXX XXXX XXXX XXXX servicing team by refusing to service a transferring account. But it also shows that in cases containing inconsistencies and contradicting information, XXXX XXXX regulatory Executive Office Case Specialists can create, and falsify narratives to explain information they don't have facts or documentation to verify. I told XXXX XXXX to resubmit the complaint referencing the conversation I was having with her as a part of the complaint as well. \nI received another letter dated XX/XX/XXXX in response to that complaint request with XXXX XXXX. On XX/XX/XXXX, which was even further redacted than the first letter, made no mention of the issues I raised in the phone call with XXXX XXXX, and made no mention to the call I made on XX/XX/XXXX to XXXX XXXX, as if they are trying to omit and hide relevant information. \n\nFurthermore, the letter I received on XX/XX/XXXX specifies that XXXX XXXX had confirmed repayment letters were sent to the address on file, and also confirmed that statements were mailed to the address on file. The letter states that in the enclosed envelope are copies of each repayment letter and statement for my review. However, not a single repayment letter, nor statement was enclosed with the letter. \n\nAll documentation will be attached.","date_sent_to_company":"2022-02-05T07:26:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23229","tags":null,"has_narrative":true,"complaint_id":"5190360","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-05T07:26:41.000Z","state":"VA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["But it also <em>shows</em> that in cases containing inconsistencies and contradicting information, XXXX XXXX regulatory Executive Office Case Specialists can create, and falsify <em>narratives</em> to explain information they don't have facts or documentation to <em>verify</em>. I told XXXX XXXX to resubmit the complaint referencing the conversation I was having with her as a part of the complaint as well. \nI received another letter dated XX/XX/XXXX in response to that complaint request with XXXX XXXX."]},"sort":[7.692959,"5190360"]},{"_index":"complaint-public-v1","_id":"14323948","_score":7.4640665,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this CFPB complaint against TransUnion for continued failure to investigate and delete multiple inaccurate and unverifiable items from my credit report, despite my earlier formal disputes. TransUnion has not complied with its obligations under the Fair Credit Reporting Act ( XXXX  ) XXXX U.S. Code XXXX ( a ), XXXX ( b ), and XXXX. I am demanding immediate removal and correction of the following accounts, inquiries, and addresses : Incorrect Addresses ( Violation of XXXX U.S. Code XXXX ( b ) Failure to maintain accurate information ) : XXXX XXXX AV XXXX XXXX, IL XXXX Wrong Address XXXX XXXX XXXX XXXX LA XXXX XXXX, IL XXXX Wrong Address These addresses are not mine, and I have never lived at or been associated with them. Reporting them is a violation of my rights under FCRA. TransUnion has failed to use reasonable procedures to assure maximum possible accuracy of my personal identifying information. \nLate Payments ( Violation of XXXX U.S. Code XXXX and XXXX Failure to properly investigate and report accurate account history ) : XXXXI | Acct : XXXX * * * * | Date Opened : XX/XX/XXXX | High Credit : {$1300.00} Late Payments XXXX | Acct : XXXX * * * * | Date Opened : XX/XX/XXXX | High Credit : {$2300.00} Late Payments These accounts show inconsistent and inaccurate reporting of late payments. I have previously disputed these items, and no proper investigation was conducted as required by law. The creditor failed to validate these delinquencies. XXXX continued reporting without verification violates XXXX U.S. Code XXXX ( a ) ( XXXX ) ( A ). \nUnauthorized or Excessive Hard Inquiries ( Violation of XXXX U.S. Code XXXX Permissible purpose for furnishing reports ) : XXXX XX/XX/XXXX Hard Inquiry COAF XX/XX/XXXX Hard Inquiry XXXX XXXX XX/XX/XXXX Hard Inquiry COAF XX/XX/XXXX Hard Inquiry XXXX XXXX XX/XX/XXXX Hard Inquiry These inquiries were made without my authorization or permissible purpose. According to XXXX U.S. Code XXXX ( c ), hard inquiries require consumer permission or a legitimate business need. TransUnion failed to confirm such purpose or consent before listing these inquiries on my report, causing me reputational and financial harm. \nNarrative and Background ( Pattern of Negligence & Harm ) : Despite previously notifying TransUnion about these inaccurate and harmful entries, they have refused to correct or remove them. I have faced serious emotional, financial, and reputational damage due to their negligence and repeated violations of my consumer rights. The presence of these wrong addresses, unverifiable late payments, and unauthorized inquiries have affected my ability to obtain housing, employment, and credit. I believe TransUnion has violated multiple sections of the Fair Credit Reporting Act and has failed in its duty to maintain accurate consumer records. \nLegal Violations Cited : FCRA XXXX ( b ) Failure to assure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to reinvestigate disputed information FCRA XXXX Reporting outdated and irrelevant data FCRA XXXX Duty of furnishers to provide accurate information FCRA XXXX Lack of permissible purpose for inquiries I respectfully demand immediate deletion of the above incorrect addresses, inquiries, and unverifiable derogatory accounts from my TransUnion credit file. I further request that CFPB investigate this matter thoroughly and hold TransUnion accountable for repeated noncompliance.","date_sent_to_company":"2025-06-27T23:27:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44240","tags":null,"has_narrative":true,"complaint_id":"14323948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-27T23:23:26.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Code XXXX ( c ), hard inquiries require consumer permission or a legitimate business <em>need</em>. TransUnion failed to confirm such purpose or consent before listing these inquiries on my report, causing me reputational and financial harm. \n<em>Narrative</em> and Background ( Pattern of Negligence & Harm ) : Despite previously notifying TransUnion about these inaccurate and harmful entries, they have refused to correct or remove them."]},"sort":[7.4640665,"14323948"]},{"_index":"complaint-public-v1","_id":"6157034","_score":7.4348764,"_source":{"product":"Student loan","complaint_what_happened":"My experience with MOHELA since I was forced to move my student loans from my previous service provider to them due to the XXXX Waiver program has been an extremely poor and a profoundly stressful experience. I'll try to keep this as short but also as descriptive as possible. My previous loan service provider had approved me for my XXXX XXXX XXXX in XXXX of XXXX which would allow me to participate in the XXXX program. I have documentation to validate this. Then I was forced to move my loans to MOHELA due to them being designated through the Biden Administration as the providers who will be servicing those who applied for the XXXX program. At first, things were OK, after a month or so I received my payment tracking which showed how many payments I had credited through the waiver program to my loan and which ones needed to have employment verification yet, which I sent to them. All my employment from XXXX to present date was approved, and I had XXXX consecutive months of forbearance, in which I was not in school, that I was told would be applied towards my account after the XXXX Waiver ended on XX/XX/XXXX. However, when the loan was transferred, they did not carry over my approval for the XXXX payment plan which I need to be able to make qualifying payments to the XXXX program. I called them, please understand that during this time, around XXXX or so, the wait times were maybe about XXXX minutes, irritating, but manageable. That staff person said that they could do the application for the XXXX  payment plan over the phone and thats what I did. She read off the plans and since shes the representative I assumed that she was the expert in this area so I trusted her feedback and we continued with the application. She said it would show up on my online account within XXXX business days, meaning my $ XXXX payment would now show the estimated {$220.00} payment/month. This didnt happen. I called back. Wait time was about XXXX minutes. The gentleman on the line stated that there was nothing to worry about. I then looked at my documents section in my account and it showed denied for the XXXX application. I NEVER received an email stating this, I only ran across this when I looked at my documents tab. He stated pretty much that they are just behind and that it just got pushed back but that it would be processed soon. I waited for about 2-3 weeks and nothing. So I called back, this wait time was about 1 hour 20 minutes. The woman was pleasant and really seemed like she wanted to help and understood my frustration at this point. She stated that the original staff person that filled out my verbal application over the phone stated that I refused to give them my spouses financial info. My spouse and filed separately, and I do not have access to her information. I told them this when I did the application but they did not enter it correctly. So they re-entered the re-application for the XXXX program. This was on XX/XX/XXXX. On XX/XX/XXXX I received a message on my MOHELA account stating that I was denied. At this point I put in my application for the XXXX plan, a plan which I understand that Ill pay a lot more per month, but at least the application would be in the processing stage before the XX/XX/XXXX deadline hit. Understand that I was told by their customer service rep that as long as it was submitted before the XX/XX/XXXX deadline it would be OK, which it was. Now the date of me writing this narrative is XX/XX/XXXX, so about 2-3 weeks ago, my account no longer showed the payment tracker. I have photocopies from when the tracker was up that I had 66 payments applied so far with an additional 10 that were eligible but just needed the employment verification filled out, which I did, and submitted this on XX/XX/XXXX. Over the last XXXX weeks, Ive placed NUMEROUS calls to MOHELA. I was able to make contact with 5 staff members over a one-month period. Please understand I was on hold for well over two hours on every attempt, and I made SEVERAL attempts over this period of time, way more than just the 5 times I was actually able to connect to somebody. The first one did my verbal application incorrectly. The second one stated that it would all be good, it was just taking a while to process my XXXX application. The third one, resubmitted my application and was pleasant to work with. The fourth one told me immediately she was in training, I was on hold for 2 hours and 37 minutes to get herthen after about 20 minutes she said her supervisor was contacted and would contact XXXX contacted me. The fourth one, also in training, with screaming babies in the background during our conversation, could not give me any answers that I could not find on the MOHELA website, she also said she was going to transfer me to another Deptthen I was on hold for about 43 minutes, and then cut off. Now Ive filed complaints with The XXXX XXXX XXXX, my local congressman, my State Senator and the XXXX XXXX XXXX. MOHELA responded to my complaint from the XXXX and their fix was that they said their customer advocacy center was going to contact me within the next several business days. OK, understand that Ive made several attempts to already contact their customer advocacy center and encountered the same thing, ridiculous hold times and I get cut off. Along with their apologetic language in their response, they said Im welcome to reach out to their customer advocacy center or go into my online account to get more informationhhhhmmmmm.I file a complaint with one of my major complaints being that I CAN NOT make contact with anyone at MOHELA because of the ridiculous wait times, or I get cut off with no call backbut they invite me to contact them or go into my account to get more information. So their fix is to try to make contact with their customer advocacy center, where I did try three times over two days, first estimated wait XXXX minutes.second, 113 minutes.and then by some divine intervention I call at XXXX XXXX XXXX  timeits one minute estimated wait time, this was this morning, XXXX minutes later, nothing, still on hold.i had to hang up and go into work. Now Ive made SEVERAL attempts to try to call.before work, after work, on Saturdays.NOTHING. I sent XXXX messages through their MOHELA website on XX/XX/XXXX, XXXX on XX/XX/XXXX, one on XX/XX/XXXX, one on XX/XX/XXXX, and two on XX/XX/XXXX. After I sent the message their auto response stated that it takes up to three ( 3 ) business days to get a response. XX/XX/XXXX and XX/XX/XXXX were more than XXXX business days ago. Ive asked them to just PLEASE give me information on why my tracking has disappeared, why their automated phone system stated that I have XXXX, NO, payments credited to my loan, and I NEED answers to my questions regarding the XXXX application process. Now.the XXXX  application is very confusion. I was denied in XXXX of this year.found out I was denied just by chance, was never notified via message. Then I reapplied on XX/XX/XXXX, was notified on XX/XX/XXXX that it was denied through a message in my inbox in my account.however, in my uploaded documents section, it still says processing.so one place on the site says denied, one place says processing.so now this raises more questions.if my SECOND application for the REPAYE is still processing, then whats going to happen because I also now have an application for the XXXX thats active and processing as well? ... ... this should be able to be cleared up with a simple phone call to MOHELA.IF I COULD EVER GET THROUGH TO TALK TO SOMEBODY! This is the issue. Its this constant round and round. MOHELA does not respond, does not call back, and has done almost nothing but cause me and my family extreme stress over these last few months, and to me its ABSOLUTE LUNACY how this can continue? Who is here to protect people like me? There have been letters sent to MOHELA from XXXX XXXX XXXX on XX/XX/XXXX and other letters sent on XX/XX/XXXX to MOHELA from the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX that support what Im struggling with when it comes to dealing with MOHELA. These are easily accessible through a simple online search. Im grateful to the Administration in their attempts to rectify the XXXX  program and fix the issues that have plagued this program for years, however, if the service provider that we were all FORCED to move our loans to is allowed to continue with this carelessness when those who they are supposed to SERVE are left wondering what their financial future is going to be.it is absolutely asinine and I would expect more in todays day and age. \nP.S. I have printed/downloaded documentation that supports every claim that Ive made in this letter.","date_sent_to_company":"2022-11-02T22:24:17.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"54952","tags":null,"has_narrative":true,"complaint_id":"6157034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2022-11-02T22:03:47.000Z","state":"WI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["Now the date of me writing this <em>narrative</em> is XX/XX/XXXX, so about 2-3 weeks ago, my account no longer <em>showed</em> the payment tracker. I have photocopies from when the tracker was up that I had 66 payments applied so far with an additional 10 that were eligible but just <em>needed</em> the employment <em>verification</em> filled out, which I did, and submitted this on XX/XX/XXXX. Over the last XXXX weeks, Ive placed NUMEROUS calls to MOHELA. I was able to make contact with 5 staff members over a one-month period."]},"sort":[7.4348764,"6157034"]},{"_index":"complaint-public-v1","_id":"4069116","_score":7.212372,"_source":{"product":"Mortgage","complaint_what_happened":"To Whom It May Concern I am writing this narrative to ask that LoanDepot escalate this issue to a Loan Depot Manager again- to get the file reviewed for a Loan Modification asap! \n\nI want to officially file a complaint against LoanDepot and their continued ineptness in processing our request for consideration of loan mitigation or loss mitigation options through their Loss and Mitigation Department after coming out of an approved 6 month forbearance. We requested and were granted 3 and the an additional 3 months of forbearance on our mortgage fromXX/XX/XXXX-to end of XX/XX/XXXX due to loss of my husbands income from lack of work when COVID shut downs happened. He is a XXXX XXXX XXXX. \n\nThe week of XX/XX/XXXX I made contact with Loan Depot to start the process to request these considerations. I was told that they had mailed a letter to us with forms that we would need to complete for Loss and Mitigation. Knowing how long the mail takes I asked if there were documents we could download to get started. I was given a list and told where to find these documents. Later, after completing and sending these in, I was told these were not the correct forms. We then completed the correct forms and sent them in. \n\nThe rest of the month of XXXX and XXXX I would call and talk to a person at Loan Depot every week to 10 days. These calls were to follow up with them to verify documents requested were received. I contacted Loan Depot on the following days : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX On XX/XX/XXXX I contacted XXXX XXXX to request their assistance with this process.They sent out their packet for us to complete and I sent that back on XXXX XXXX. There were a couple of incomplete items, XXXX explained what was missing, how to get the info and the packet was completed. They forwarded the packet to Loan Depot on XXXX and have had some conversations with them, following up on still missing documents. \n\nEach time I was told that documents I had previously sent by fax and/or email had not been received, so would resend them. \nOn one of the calls I was told that the emails go to a type of email clearinghouse and are pulled as people get to them. This person went into this clearing housefound my emails with the documents and sent them to the next step for review. \n\nThen on XX/XX/XXXX when I talked with Loan Depot, I was told our request and paperwork had been forwarded on to the underwriter, all documents had been received. \n\nWhen I called to check in on things, XX/XX/XXXX, I was told that NO we were still missing documents and that our paperwork had not gone to the underwriters. \n\nIn XXXX, XXXX and I continued to contact Loan Depot. I contacted them on : XXXX XXXX Again being told that documents were missing and not received. Documents that either XXXX or I had sent by email or fax. \n\nOn XX/XX/XXXX I was told that the packet was complete and had gone to the underwriter. \nXX/XX/XXXX I was informed that my W-2 for XXXX was needed. On XX/XX/XXXX XXXX contacted LoanDepot and was told they received the W-2 forms. \nXX/XX/XXXX I got an email telling me I had a letter from Loan Depot. Thinking that it being 27 days ( 22 business days as they work on Saturdays ) after it had gone to the underwriter a decision had been made. However, that was not it. \n\nI was being informed that several documents were now missing or out of date. I called asking what was going on and was emphatically told that the process had stopped and would remain on hold until the documents requested were received. All had been sent numerous times except for the updated bank statements, 4th quarter profit/loss statement and XXXX SSA benefit amounts for my husband and me. \n\nI gathered the updated documents, pulled the others that had been previously requested and sent, from my files and uploaded them to the link in the email LoanDepot had sent me. I did this on XX/XX/XXXX. \n\nI checked with LoanDepot on XXXX. XXXX, XXXX and XX/XX/XXXX to confirm they had retrieved the documents from their site where they had told me to upload them. \nEach of these conversations has been about the same. We dont show having received the documents, we will escalate your case, we havent heard anything, it takes time. \nI was told today, XX/XX/XXXX to resend the documents through the upload site or fax them. I stated that having done both numerous times and they still dont show them received, does not give my much faith or hope that they will get them this time. However, I uploaded them and asked XXXX to fax them as requested. \n\nHere we are 3 and half months out of forbearance and still at square one. Loan Depot has informed me that we are now accruing late fees on the amount owed and my fear is that soon it will be reported and our credit scores will plummet. Worse yet, we could lose our home! Not because we havent followed through but because LoanDepot doesnt seem to have a reliable process in place to process the request. \n\nHow much longer will this drag out, what will be the financial impact on my husband and me, will we lose our home? These are the questions that keep me awake at night and are negatively impacting me. I feel I have no control over the outcome and yet have done all that has been asked of us. \n\nI am not sure what you can do to assist us but hope that in some way you can convince LoanDepot to escalate this issue to a Loan Depot Manager again- to get the file reviewed for a Loan Modification asap! \n\nGratefully, XXXX XXXX and XXXX XXXX  XXXX","date_sent_to_company":"2021-01-29T23:12:29.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"98125","tags":null,"has_narrative":true,"complaint_id":"4069116","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LD Holdings Group, LLC","date_received":"2021-01-14T05:00:40.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We dont <em>show</em> having received the documents, we will escalate your case, we havent heard anything, it takes time. \nI was told today, XX/XX/XXXX to resend the documents through the upload site or fax them. I stated that having done both numerous times and they still dont <em>show</em> them received, does not give my much faith or hope that they will get them this time. 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