{"took":99,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":409,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5828090","_score":14.744921,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The following inquiries are fraudulent and unauthorized Please remove immediately : XXXX ( I called XXXX and tried to put in a dispute but nothing ever happened ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage XXXX XXXX  ( I called to dispute the inquiries the agent on the phone hung up on me and was very rude ) ( Went into the Car dealer and salesman said they would run my credit for XXXX lender but they lied and ran my credit more than once without my consent or permission ). \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Transunion ( I called Transunion and the guy said he put in a dispute but inquiry is still there ) ( I didn't authorize this inquiry or give anyone permissible purpose or reason to run my credit ). \nXXXX XXXX XXXX ).","date_sent_to_company":"2022-07-31T19:10:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"5828090","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-07-31T18:57:18.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Transunion ( I called Transunion and the guy <em>said</em> he put in a dispute but <em>inquiry</em> is still there ) ( I didn't <em>authorize</em> this <em>inquiry</em> or give anyone permissible purpose or <em>reason</em> to run my credit ). \nXXXX XXXX XXXX )."]},"sort":[14.744921,"5828090"]},{"_index":"complaint-public-v1","_id":"5828099","_score":14.710765,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The following inquiries are fraudulent and unauthorized Please remove immediately : XXXX ( I called XXXX and tried to put in a dispute but nothing ever happened ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage ) Experian ( I called to dispute the inquiries the agent on the phone hung up on me and was very rude ) ( Went into the Car dealer and salesman said they would run my credit for XXXX lender but they lied and ran my credit more than once without my consent or permission ). \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( I called XXXX and the guy said he put in a dispute but inquiry is still there ) ( I didn't authorize this inquiry or give anyone permissible purpose or reason to run my credit ). \nXXXX XXXX XXXX ).","date_sent_to_company":"2022-07-31T19:10:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"5828099","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-31T19:10:32.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( I called XXXX and the guy <em>said</em> he put in a dispute but <em>inquiry</em> is still there ) ( I didn't <em>authorize</em> this <em>inquiry</em> or give anyone permissible purpose or <em>reason</em> to run my credit ). \nXXXX XXXX XXXX )."]},"sort":[14.710765,"5828099"]},{"_index":"complaint-public-v1","_id":"8443814","_score":14.462105,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, my husband and I purchased an automobile at XXXX in XXXX XXXX. We authorized XXXXXXXX XXXX to pull credit. They mistakenly pulled the credit for XXXX XXXX twice through XXXX XXXX. My husband 's credit was locked and they were trying to pull a joint application inquiry, so it pulled my information and when my husband unlocked his credit report, they pulled my information again. I tried to correct this with XXXX and they said I would need to contact the credit bureau. The credit bureaus said I would need to file a complaint so they could remove it from my report. I did not authorize 2 credit pulls. Both were on the same day. I was recently turned down for credit due to this duplicated pull. \n\nOn XX/XX/XXXX, I only authorized XXXX XXXX to pull credit. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX and COAF were not authorized to pull my credit. The auto dealership, XXXX of XXXX XXXX somehow submitted the application, which was intended only for XXXX XXXX, to be sent to multiple credit companies. These companies did not have my known authorization to inquire about a loan. \n\nOn XX/XX/XXXX, I visited a dealership to purchase a recreational vehicle. I authorized XXXX XXXX to pull credit. I did take a loan out through XXXX for the purchase. However, I never authorized the dealership to use multiple lenders. The dealership discussed the loan terms through XXXX prior to me authorizing the credit application with XXXX. An unauthorized credit pull was made by XXXX to and shows up through a XXXX Credit report twice during the day. I was told to contact the credit bureau to clear up the reporting matter. The credit bureau said I needed to file a complaint so they could document the matter and remove the duplicate inquiry from my report. \n\nThese unauthorized credit inquiries recently caused a denial of credit through XXXX due to too many inquiries. My credit score is above XXXX and I have managed my credit for over 30 years with no derogatory issues. My debt to income is adequate for credit. These credit inquiries caused a financial loss of {$40.00} due to the promotional offer from XXXX that was declined for reasons stated above. XXXX was contacted and confirmed that the denial was a systemic decline due to the number of inquiries. Furthermore, the purchase that was to be made with the credit was for medical reasons and delayed the delivery of necessary accommodations for my father.","date_sent_to_company":"2024-02-28T18:03:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76033","tags":null,"has_narrative":true,"complaint_id":"8443814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-28T18:03:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["These credit <em>inquiries</em> caused a financial loss of {$40.00} due to the promotional offer from XXXX that was declined for <em>reasons</em> stated above. XXXX was contacted and confirmed that the denial was a systemic decline due to the number of <em>inquiries</em>. Furthermore, the purchase that was to be made with the credit was for medical <em>reasons</em> and delayed the delivery of necessary accommodations for my father."]},"sort":[14.462105,"8443814"]},{"_index":"complaint-public-v1","_id":"8443808","_score":14.462105,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, my husband and I purchased an automobile at XXXX in XXXX XXXX. We authorized XXXX XXXX to pull credit. They mistakenly pulled the credit for XXXX XXXX twice through Trans Union. My husband 's credit was locked and they were trying to pull a joint application inquiry, so it pulled my information and when my husband unlocked his credit report, they pulled my information again. I tried to correct this with XXXX and they said I would need to contact the credit bureau. The credit bureaus said I would need to file a complaint so they could remove it from my report. I did not authorize 2 credit pulls. Both were on the same day. I was recently turned down for credit due to this duplicated pull. \n\nOn XX/XX/XXXX, I only authorized XXXXXXXX XXXX to pull credit. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX and COAF were not authorized to pull my credit. The auto dealership, XXXX of XXXX XXXX somehow submitted the application, which was intended only for XXXX XXXX, to be sent to multiple credit companies. These companies did not have my known authorization to inquire about a loan. \n\nOn XX/XX/XXXX, I visited a dealership to purchase a recreational vehicle. I authorized XXXX XXXX to pull credit. I did take a loan out through XXXX for the purchase. However, I never authorized the dealership to use multiple lenders. The dealership discussed the loan terms through XXXX prior to me authorizing the credit application with XXXX. An unauthorized credit pull was made by XXXX to and shows up through a TransUnion Credit report twice during the day. I was told to contact the credit bureau to clear up the reporting matter. The credit bureau said I needed to file a complaint so they could document the matter and remove the duplicate inquiry from my report. \n\nThese unauthorized credit inquiries recently caused a denial of credit through XXXX due to too many inquiries. My credit score is above XXXX and I have managed my credit for over 30 years with no derogatory issues. My debt to income is adequate for credit. These credit inquiries caused a financial loss of {$40.00} due to the promotional offer from XXXX that was declined for reasons stated above. XXXX was contacted and confirmed that the denial was a systemic decline due to the number of inquiries. Furthermore, the purchase that was to be made with the credit was for medical reasons and delayed the delivery of necessary accommodations for my father.","date_sent_to_company":"2024-02-28T18:03:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76033","tags":null,"has_narrative":true,"complaint_id":"8443808","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-28T17:22:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["These credit <em>inquiries</em> caused a financial loss of {$40.00} due to the promotional offer from XXXX that was declined for <em>reasons</em> stated above. XXXX was contacted and confirmed that the denial was a systemic decline due to the number of <em>inquiries</em>. Furthermore, the purchase that was to be made with the credit was for medical <em>reasons</em> and delayed the delivery of necessary accommodations for my father."]},"sort":[14.462105,"8443808"]},{"_index":"complaint-public-v1","_id":"8441878","_score":14.427314,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, my husband and I purchased an automobile at XXXX in XXXX XXXX. We authorized XXXX XXXX to pull credit. They mistakenly pulled the credit for XXXX XXXX twice through XXXX XXXX. My husband 's credit was locked and they were trying to pull a joint application inquiry, so it pulled my information and when my husband unlocked his credit report, they pulled my information again. I tried to correct this with XXXX and they said I would need to contact the credit bureau. The credit bureaus said I would need to file a complaint so they could remove it from my report. I did not authorize XXXX credit pulls. Both were on the same day. I was recently turned down for credit due to this duplicated pull. \n\nOn XX/XX/XXXX, I only authorized XXXXXXXX XXXX to pull credit. XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and COAF were not authorized to pull my credit. The auto dealership, XXXXXXXX XXXX XXXX  XXXX somehow submitted the application, which was intended only for XXXXXXXX XXXX, to be sent to multiple credit companies. These companies did not have my known authorization to inquire about a loan. \n\nOn XX/XX/XXXX, I visited a dealership to purchase a recreational vehicle. I authorized XXXX XXXX to pull credit. I did take a loan out through XXXX for the purchase. However, I never authorized the dealership to use multiple lenders. The dealership discussed the loan terms through XXXX prior to me authorizing the credit application with XXXX. An unauthorized credit pull was made by XXXX to and shows up through a XXXX Credit report twice during the day. I was told to contact the credit bureau to clear up the reporting matter. The credit bureau said I needed to file a complaint so they could document the matter and remove the duplicate inquiry from my report. \n\nThese unauthorized credit inquiries recently caused a denial of credit through XXXX due to too many inquiries. My credit score is above XXXX and I have managed my credit for over 30 years with no derogatory issues. My debt to income is adequate for credit. These credit inquiries caused a financial loss of {$40.00} due to the promotional offer from XXXX that was declined for reasons stated above. XXXX was contacted and confirmed that the denial was a systemic decline due to the number of inquiries. Furthermore, the purchase that was to be made with the credit was for medical reasons and delayed the delivery of necessary accommodations for my father.","date_sent_to_company":"2024-02-28T18:03:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76033","tags":null,"has_narrative":true,"complaint_id":"8441878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-28T18:03:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["These credit <em>inquiries</em> caused a financial loss of {$40.00} due to the promotional offer from XXXX that was declined for <em>reasons</em> stated above. XXXX was contacted and confirmed that the denial was a systemic decline due to the number of <em>inquiries</em>. Furthermore, the purchase that was to be made with the credit was for medical <em>reasons</em> and delayed the delivery of necessary accommodations for my father."]},"sort":[14.427314,"8441878"]},{"_index":"complaint-public-v1","_id":"2470632","_score":14.400136,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On  XXXX   XXXX  and  XXXX   XXXX  for some odd reason a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  inquiries on my credit report without my consent. I did not authorize this or sign any application and if they said I did I would like for them to provide me proof.","date_sent_to_company":"2017-04-29T14:16:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48313","tags":null,"has_narrative":true,"complaint_id":"2470632","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-04-29T14:16:19.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["On  XXXX   XXXX  and  XXXX   XXXX  for some odd <em>reason</em> a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  <em>inquiries</em> on my credit report without my consent. I did not <em>authorize</em> this or sign any application and if they <em>said</em> I did I would like for them to provide me proof."]},"sort":[14.400136,"2470632"]},{"_index":"complaint-public-v1","_id":"2470631","_score":14.400136,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On  XXXX   XXXX  and  XXXX   XXXX  for some odd reason a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  inquiries on my credit report without my consent. I did not authorize this or sign any application and if they said I did I would like for them to provide me proof.","date_sent_to_company":"2017-04-29T14:16:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48313","tags":null,"has_narrative":true,"complaint_id":"2470631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-04-29T14:16:19.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["On  XXXX   XXXX  and  XXXX   XXXX  for some odd <em>reason</em> a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  <em>inquiries</em> on my credit report without my consent. I did not <em>authorize</em> this or sign any application and if they <em>said</em> I did I would like for them to provide me proof."]},"sort":[14.400136,"2470631"]},{"_index":"complaint-public-v1","_id":"2470630","_score":14.369467,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On  XXXX   XXXX  and  XXXX   XXXX  for some odd reason a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  inquiries on my credit report without my consent. I did not authorize this or sign any application and if they said I did I would like for them to provide me proof.","date_sent_to_company":"2017-04-29T14:16:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48313","tags":null,"has_narrative":true,"complaint_id":"2470630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-04-29T14:08:14.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["On  XXXX   XXXX  and  XXXX   XXXX  for some odd <em>reason</em> a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  <em>inquiries</em> on my credit report without my consent. I did not <em>authorize</em> this or sign any application and if they <em>said</em> I did I would like for them to provide me proof."]},"sort":[14.369467,"2470630"]},{"_index":"complaint-public-v1","_id":"2473807","_score":14.33536,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On  XXXX / XXXX  /2017  I called and spoke to  XXXX   XXXX  in regards to this inquiry being on my account. When I spoke to him he informed me that I did authorize the information because whoever tried to get an application in my name had all my information. I asked if I could get an application with my signature on it and he advised that they will try to send the application with my signature. I never authorized this company to run any kind of inquiry. He said that it was done on-line which give me more reason to have this removed off my credit. This inquiry is making it hard for me to get approved for any kind of loans to get a house.","date_sent_to_company":"2017-05-03T14:33:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"50322","tags":null,"has_narrative":true,"complaint_id":"2473807","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-05-03T14:32:59.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["He <em>said</em> that it was done on-line which give me more <em>reason</em> to have this removed off my credit. This <em>inquiry</em> is making it hard for me to get approved for any kind of loans to get a house."]},"sort":[14.33536,"2473807"]},{"_index":"complaint-public-v1","_id":"2473805","_score":14.333888,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On  XXXX / XXXX /   2017 I  called and spoke to  XXXX   XXXX  in regards to this inquiry being on my account. When I spoke to him he informed me that I did authorize the information because whoever tried to get an application in my name had all my information. I asked if I could get an application with my signature on it and he advised that they will try to send the application with my signature. I never authorized this company to run any kind of inquiry. He said that it was done on-line which give me more reason to have this removed off my credit. This inquiry is making it hard for me to get approved for any kind of loans to get a house.","date_sent_to_company":"2017-05-03T16:59:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"50322","tags":null,"has_narrative":true,"complaint_id":"2473805","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2017-05-03T14:21:29.000Z","state":"IA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["He <em>said</em> that it was done on-line which give me more <em>reason</em> to have this removed off my credit. This <em>inquiry</em> is making it hard for me to get approved for any kind of loans to get a house."]},"sort":[14.333888,"2473805"]},{"_index":"complaint-public-v1","_id":"2473806","_score":14.322172,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On  XXXX / XXXX  /2017    I called and spoke to  XXXX   XXXX  in regards to this inquiry being on my account. When I spoke to him he informed me that I did authorize the information because whoever tried to get an application in my name had all my information. I asked if I could get an application with my signature on it and he advised that they will try to send the application with my signature. I never authorized this company to run any kind of inquiry. He said that it was done on-line which give me more reason to have this removed off my credit. This inquiry is making it hard for me to get approved for any kind of loans to get a house.","date_sent_to_company":"2017-05-03T14:33:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"50322","tags":null,"has_narrative":true,"complaint_id":"2473806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-05-03T14:32:59.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["He <em>said</em> that it was done on-line which give me more <em>reason</em> to have this removed off my credit. This <em>inquiry</em> is making it hard for me to get approved for any kind of loans to get a house."]},"sort":[14.322172,"2473806"]},{"_index":"complaint-public-v1","_id":"2487258","_score":14.074028,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"An unauthorized hard-inquiry was placed on my XXXX credit report today by CBNA ( Citibank ) with the address XXXX XXXX XXXX, XXXX XXXX, SD XXXX which corresponds with Citibank 's address. I contacted XXXX ( the sole credit reporting agency which provided the hard inquiry to Citibank ) and they said I would need to get a letter of deletion from Citibank to forward to XXXX which is the only possible way I would be able to get the hard inquiry removed. I then contacted Citibank multiple times to ask for the letter of deletion as I did not authorize that hard inquiry and Citibank said multiple times that since they can not find any applications for credit in their systems which are connected to my social security number, they can not provide a letter of deletion for the hard inquiry. I then contacted XXXX again to let them know what Citibank said and XXXX once again said they can not remove the inquiry without a letter of deletion from Citibank. I am currently stuck with an erroneous hard inquiry negatively effecting my credit report for the next 2 years that I did not authorize due to Citibank 's unwillingness to provide a letter of deletion although they can not find an application tied to my social security number. Citibank 's inability to locate any applications tied to my social security number should be even more of a reason for them to provide me with a letter of deletion as it appears Citibank pulled a hard inquiry on my credit report without any authorization ( legitimate or illegitimate ) whatsoever from anyone.","date_sent_to_company":"2017-05-18T00:13:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"2487258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2017-05-17T23:38:31.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I then contacted Citibank multiple times to ask for the letter of deletion as I did not <em>authorize</em> that hard <em>inquiry</em> and Citibank <em>said</em> multiple times that since they can not find any applications for credit in their systems which are connected to my social security number, they can not provide a letter of deletion for the hard <em>inquiry</em>."]},"sort":[14.074028,"2487258"]},{"_index":"complaint-public-v1","_id":"2486908","_score":14.071468,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"An unauthorized hard-inquiry was placed on my Transunion credit report today by  XXXX   (   XXXX  ) with the address P.O.  XXXX   XXXX ,  XXXX   XXXX , SD  XXXX  which corresponds with  XXXX  's address. I contacted Transunion ( the sole credit reporting agency which provided the hard inquiry to  XXXX  ) and they said I would need to get a letter of deletion from  XXXX  to forward to Transunion which is the only possible way I would be able to get the hard inquiry removed. I then contacted  XXXX  multiple times to ask for the letter of deletion as I did not authorize that hard inquiry and  XXXX  said multiple times that since they can not find any applications for credit in their systems which are connected to my social security number, they can not provide a letter of deletion for the hard inquiry. I then contacted Transunion again to let them know what  XXXX  said and Transunion once again said they can not remove the inquiry without a letter of deletion from  XXXX . I am currently stuck with an erroneous hard inquiry negatively effecting my credit report for the next 2 years that I did not authorize due to  XXXX  's unwillingness to provide a letter of deletion although they can not find an application tied to my social security number.  XXXX  's inability to locate any applications tied to my social security number should be even more of a reason for them to provide me with a letter of deletion as it appears  XXXX  pulled a hard inquiry on my credit report without any authorization ( legitimate or illegitimate ) whatsoever from anyone.","date_sent_to_company":"2017-05-18T04:13:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"2486908","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-05-18T00:13:28.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I then contacted  XXXX  multiple times to ask for the letter of deletion as I did not <em>authorize</em> that hard <em>inquiry</em> and  XXXX  <em>said</em> multiple times that since they can not find any applications for credit in their systems which are connected to my social security number, they can not provide a letter of deletion for the hard <em>inquiry</em>."]},"sort":[14.071468,"2486908"]},{"_index":"complaint-public-v1","_id":"5009428","_score":13.982301,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I Checked my credit like I always and looked and seen that there was inquiries on my credit that I didn't authorize so I emailed the company and they said I gave the permission through a phone conversation that I never had with them I have fraud alert on my consumers report for reason like this because I know somebody used my identity and it wasn't me","date_sent_to_company":"2021-12-14T12:01:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29803","tags":null,"has_narrative":true,"complaint_id":"5009428","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP","date_received":"2021-12-14T11:51:24.000Z","state":"SC","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I Checked my credit like I always and looked and seen that there was <em>inquiries</em> on my credit that I didn't <em>authorize</em> so I emailed the company and they <em>said</em> I gave the permission through a phone conversation that I never had with them I have fraud alert on my consumers report for <em>reason</em> like this because I know somebody used my identity and it wasn't me"]},"sort":[13.982301,"5009428"]},{"_index":"complaint-public-v1","_id":"1357710","_score":13.921133,"_source":{"product":"Credit card","complaint_what_happened":"I recently received a copy of my credit report. The credit report showed a credit inquiry by Best Buy that they do not recall authorizing. I understand that Best Buy should n't be allowed to put an inquiry on my file unless I have authorized it. when I called credit Bureaus companies ( XXXX, XXXX & XXXX ), they refused to dispute this inquiry and they said to me to call Best Buy to remove it. when Best Buy called, they refused to remove and they asked me to call credit Bureaus companies and dispute it. I asked Best Buy what reason that Best Buy wanted to my credit file. They replied that we do n't have any information or record why we wanted to your credit file.","date_sent_to_company":"2015-05-06T13:12:45.000Z","issue":"Other","sub_product":null,"zip_code":"30083","tags":null,"has_narrative":true,"complaint_id":"1357710","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2015-05-02T19:08:32.000Z","state":"GA","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The credit report showed a credit <em>inquiry</em> by Best Buy that they do not recall <em>authorizing</em>. I understand that Best Buy should n't be allowed to put an <em>inquiry</em> on my file unless I have <em>authorized</em> it. when I called credit Bureaus companies ( XXXX, XXXX & XXXX ), they refused to dispute this <em>inquiry</em> and they <em>said</em> to me to call Best Buy to remove it. when Best Buy called, they refused to remove and they asked me to call credit Bureaus companies and dispute it."]},"sort":[13.921133,"1357710"]},{"_index":"complaint-public-v1","_id":"3998059","_score":13.780441,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Incorrect information on a hard inquiry dated on XX/XX/2020 by XXXX. This was never authorized by me. XXXX had removed this back in XXXX with XXXX  and XXXX  for some reason experian still has it on there report. I have spoken to discover in XX/XX/2020 and now end of XX/XX/2020 and they said would be removed from experian and they will be aware. as of XX/XX/2020 it still shows up which i will show you the screen shot.","date_sent_to_company":"2020-12-08T17:51:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10305","tags":null,"has_narrative":true,"complaint_id":"3998059","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-12-08T17:43:03.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Incorrect information on a hard <em>inquiry</em> dated on XX/XX/2020 by XXXX. This was never <em>authorized</em> by me. XXXX had removed this back in XXXX with XXXX  and XXXX  for some <em>reason</em> experian still has it on there report. I have spoken to discover in XX/XX/2020 and now end of XX/XX/2020 and they <em>said</em> would be removed from experian and they will be aware. as of XX/XX/2020 it still shows up which i will show you the screen shot."]},"sort":[13.780441,"3998059"]},{"_index":"complaint-public-v1","_id":"3302987","_score":13.629399,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019, I notice a inquiry on my credit Report : XXXX/XXXX/ XXXX dated for XX/XX/2019, I then contacted the company listed on my report via Phone and certified mailed letter sent to their address asking why is a inquiry on my credit file and XXXX XXXX , response to both means of contact was the same reply! \n\nThey were not able to provide the reason for the inquiry nor who Authorized this inquiry, they said I would have to contact the original lender known as SunTrust Bank to gather information. \n\nI immediately called Suuntrust Bank for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc. \n\nThey were not able to provide any significant documentation to display my signature or myself Authorizing this company to check my credit report Electronically, or with a signed document with my signature.","date_sent_to_company":"2019-07-11T17:27:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07017","tags":null,"has_narrative":true,"complaint_id":"3302987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNTRUST BANKS, INC.","date_received":"2019-07-11T16:48:52.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["They were not able to provide the <em>reason</em> for the <em>inquiry</em> nor who <em>Authorized</em> this <em>inquiry</em>, they <em>said</em> I would have to contact the original lender known as SunTrust Bank to gather information. \n\nI immediately called Suuntrust Bank for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc."]},"sort":[13.629399,"3302987"]},{"_index":"complaint-public-v1","_id":"3302982","_score":13.598536,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019, I notice a inquiry on my credit Report : XXXX/Equifax/ XXXX dated for XX/XX/XXXX XXXX, I then contacted the company listed on my report via Phone and certified mailed letter sent to their address asking why is a inquiry on my credit file and Equifax Mortgage , response to both means of contact was the same reply! \n\nThey were not able to provide the reason for the inquiry nor who Authorized this inquiry, they said I would have to contact the original lender known as XXXX XXXX to gather information. \n\nI immediately called XXXX XXXX  for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc. \n\nThey were not able to provide any significant documentation to display my signature or myself Authorizing this company to check my credit report Electronically, or with a signed document with my signature.","date_sent_to_company":"2019-07-11T17:27:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07017","tags":null,"has_narrative":true,"complaint_id":"3302982","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-11T17:27:53.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["They were not able to provide the <em>reason</em> for the <em>inquiry</em> nor who <em>Authorized</em> this <em>inquiry</em>, they <em>said</em> I would have to contact the original lender known as XXXX XXXX to gather information. \n\nI immediately called XXXX XXXX  for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc."]},"sort":[13.598536,"3302982"]},{"_index":"complaint-public-v1","_id":"1302909","_score":13.474614,"_source":{"product":"Bank account or service","complaint_what_happened":"I have a hard credit inquiry in my XXXX report from XXXX XXXX, 2015. I never authorized to reopen the case for a previos credit card application. I was never told that the will do a hard hit again on my credit. I only requeted to review the reason on the denial. I have contacted the bank, the don ; t believe me. I contacted XXXX, they said the bank has to do it. I want this to be removed from my credit report. I was misinformed and my credit inquiry was used without my authorization. I want to put a complaint againt Bank of America.","date_sent_to_company":"2015-03-26T18:27:38.000Z","issue":"Account opening, closing, or management","sub_product":"Other bank product/service","zip_code":"33009","tags":null,"has_narrative":true,"complaint_id":"1302909","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-03-26T18:27:37.000Z","state":"FL","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I have a hard credit <em>inquiry</em> in my XXXX report from XXXX XXXX, 2015. I never <em>authorized</em> to reopen the case for a previos credit card application. I was never told that the will do a hard hit again on my credit. I only requeted to review the <em>reason</em> on the denial. I have contacted the bank, the don ; t believe me. I contacted XXXX, they <em>said</em> the bank has to do it. I want this to be removed from my credit report. I was misinformed and my credit <em>inquiry</em> was used without my authorization."]},"sort":[13.474614,"1302909"]},{"_index":"complaint-public-v1","_id":"2896753","_score":13.432105,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have a credit card account with Citi Bank and requested a credit line increase online o\n\nn XX/XX/XXXX. Their web page specifically stated that no inquiries will be placed on my credit report, which is the reason why I requested the increase. On XX/XX/XXXX, a 'hard inquiry ' was placed on my credit report by Citibank NA with address XXXX XXXX XXXXXXXX XXXX XXXX , SD XXXX. \n\nI have not authorized or agreed to this inquiry and would like to have the inquiry removed from my credit report as it brings my credit score down. \n\nI contacted Citi Bank and their customer service agent could not explain why a 'hard inquiry ' was placed on my report for a simple credit line increase request, however they said that there is nothing that they can do and refused to help me any further.","date_sent_to_company":"2018-05-04T18:35:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33324","tags":null,"has_narrative":true,"complaint_id":"2896753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-05-04T18:06:37.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Their web page specifically stated that no <em>inquiries</em> will be placed on my credit report, which is the <em>reason</em> why I requested the increase. On XX/XX/XXXX, a 'hard <em>inquiry</em> ' was placed on my credit report by Citibank NA with address XXXX XXXX XXXXXXXX XXXX XXXX , SD XXXX. \n\nI have not <em>authorized</em> or agreed to this <em>inquiry</em> and would like to have the <em>inquiry</em> removed from my credit report as it brings my credit score down."]},"sort":[13.432105,"2896753"]},{"_index":"complaint-public-v1","_id":"2501036","_score":13.417131,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a certified letter to Equifax about inquiries that I did n't authorize or recognized and I asked them to remove the inquires. In 2016 it was some accounts deleted off of my report because they did n't belong to me. The accounts had the same name as me but different addresses. after looking at my credit report I seen all these inquiries and some of them were reporting more than once.They sent me a letter informing me that, they are not required to remove these inquiries, I needed to contact the companies. I contacted the companies and they said I need to contact the credit bureaus. These inquiries have stopped me from getting the credit I believe I deserve. The reason for denial is too many inquiries. I 've asked this company by phone and in writing but nothing has changed.","date_sent_to_company":"2017-06-04T06:09:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"2501036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-06-04T00:45:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["The accounts had the same name as me but different addresses. after looking at my credit report I seen all these <em>inquiries</em> and some of them were reporting more than once.They sent me a letter informing me that, they are not required to remove these <em>inquiries</em>, I needed to contact the companies. I contacted the companies and they <em>said</em> I need to contact the credit bureaus. These <em>inquiries</em> have stopped me from getting the credit I believe I deserve. The <em>reason</em> for denial is too many <em>inquiries</em>."]},"sort":[13.417131,"2501036"]},{"_index":"complaint-public-v1","_id":"2553548","_score":13.400261,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a certified letter to  XXXX  about inquiries that I did n't authorize or recognized and I asked them to remove the inquire s. In 2016 it was some accounts deleted off of my report because they did n't belong to me. The accounts had the same name as me but different addresses. after looking at my credit report I seen all these inquiries and some of them were reporting more than once.They sent me a letter informing me that, they are not required to r emove these inquiries, I needed to contact the companies. I contacted the companies and they said I need to contact the credit bureaus. These inquiries have stopped me from getting the credit I believe I deserve. The reason for denial is too many inquiries. I 've asked this company by phone and in writing but nothing has changed.","date_sent_to_company":"2017-06-06T13:02:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"2553548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-06-04T02:09:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["The accounts had the same name as me but different addresses. after looking at my credit report I seen all these <em>inquiries</em> and some of them were reporting more than once.They sent me a letter informing me that, they are not required to r emove these <em>inquiries</em>, I needed to contact the companies. I contacted the companies and they <em>said</em> I need to contact the credit bureaus. These <em>inquiries</em> have stopped me from getting the credit I believe I deserve. The <em>reason</em> for denial is too many <em>inquiries</em>."]},"sort":[13.400261,"2553548"]},{"_index":"complaint-public-v1","_id":"2501040","_score":13.400261,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a certified lett er to  XXXX  about inquiries that I did n't authorize or recognized and I asked them to remove the inquires. In 2016 it was some accounts deleted off of my report because they did n't belong to me. The accounts had the same name as me but different addresses. after looking at my credit report I seen all these inquiries and some of them were r eporting more than once.They sent me a letter informing me that, they are not required to remove these inquiries, I needed to contact the companies. I contacted the companies and they said I need to contact the credit bureaus. These inquiries have stopped me from getting the credit I believe I deserve. The reason for denial is too many inquiries. I 've asked this company by phone and in writing but nothing has changed.","date_sent_to_company":"2017-06-05T20:12:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"2501040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-06-04T02:09:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["The accounts had the same name as me but different addresses. after looking at my credit report I seen all these <em>inquiries</em> and some of them were r eporting more than once.They sent me a letter informing me that, they are not required to remove these <em>inquiries</em>, I needed to contact the companies. I contacted the companies and they <em>said</em> I need to contact the credit bureaus. These <em>inquiries</em> have stopped me from getting the credit I believe I deserve. The <em>reason</em> for denial is too many <em>inquiries</em>."]},"sort":[13.400261,"2501040"]},{"_index":"complaint-public-v1","_id":"2091463","_score":13.395621,"_source":{"product":"Credit card","complaint_what_happened":"Credit Sesame sent me an alert on XXXX/XXXX/XXXX that there is a New Inquiry on my credit file with XXXX from SYNCB, XXXX XXXX XXXX XXXX XXXX, FL XXXX contact # XXXX. I called this company and they do not have an application on file for me. At least that 's what I was told. I am an authorized user on my moms Rooms to go card, and I have been since XXXX. She said this is why my credit was check in XXXX. I did n't give this company permission to check my credit, and if I am an authorized user on someone else 's account that is no reason to pull a hard inquiry on my credit file. I have a feeling someone has applied for credit in my name, and this account needs to be found. Also, this inquire needs to be removed, because XXXX XXXX has not given anyone permission to check her credit. They had enough nerves to tell me to call the credit bureau and dispute it. I called XXXX and they said I need to call the bank. SYNCB, needs to resolve this issue by removing this inquiry, and telling me exactly why was my credit pulled on XXXX/XXXX/XXXX without my permission. This is fraud.","date_sent_to_company":"2016-09-01T12:40:21.000Z","issue":"Other","sub_product":null,"zip_code":"32209","tags":null,"has_narrative":true,"complaint_id":"2091463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2016-09-01T12:40:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Credit Sesame sent me an alert on XXXX/XXXX/XXXX that there is a New <em>Inquiry</em> on my credit file with XXXX from SYNCB, XXXX XXXX XXXX XXXX XXXX, FL XXXX contact # XXXX. I called this company and they do not have an application on file for me. At least that 's what I was told. I am an <em>authorized</em> user on my moms Rooms to go card, and I have been since XXXX. She <em>said</em> this is why my credit was check in XXXX."]},"sort":[13.395621,"2091463"]},{"_index":"complaint-public-v1","_id":"6489483","_score":13.335017,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian, Why are you AGAIN refusing to fix my credit report - even though I have provided PROOF from the credit card companies - to change the hard credit inquiries to soft inquiries? \n\nWhy are you REFUSING to do as the credit card companies have asked? \n\nYou are no AUTHORITY to do what you want - by law you are required to have consumer credit reports 100 % accurate. \n\nI filed this complaint # XXXX on XX/XX/XXXX and you have already closed it out and REFUSED to change 4 hard inquiries to soft inquiries. \n\nI will AGAIN file a complaint and attached a letter with PROOF that I called into each credit card company, whom I spoke with, at what day/time, and what you are TO DO. \n\nYou are not a rogue company that can operate as it wishes and put whatever you want on my or other consumers credit reports. \n\nI am DEMANDING that you do as the credit card companies have instructed you to do and make my hard inquiries into soft inquiries. \n\n-- - Please see below the unauthorized hard inquiries that need to be removed from my Experian credit report : Inquiry # 1 Company : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Reason to Remove : I called ( XXXX ) XXXX and spoke with XXXX on XX/XX/XXXX at XXXX XXXX XXXX who said this should have been a soft pull credit inquiry and not hard. She said she requested Experian to make this a soft credit pull. Please have this removed as a hard inquiry and reflected as a soft inquiry as soon as possible. \n\nInquiry # 2 & 3 Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX hard inquiries Reason to Remove : I called ( XXXX ) XXXX and spoke with XXXX on XX/XX/XXXX at XXXX XXXX XXXX  who transferred me to XXXX at XXXX XXXX XXXX who said she is requesting Experian to have the 2 hard credit inquiries both be changed to soft credit inquiries. Please have these 2 removed as hard inquiries and reflected as soft inquiries as soon as possible. \n\nInquiry # 4 Company : XXXX XXXX  Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Reason to Remove : I called ( XXXX ) XXXX and spoke with XXXX on XX/XX/XXXX at XXXXXXXX XXXX XXXX who said he is requesting Experian change it from a hard credit inquiry to a soft credit inquiry. Please have this reflected as a SOFT inquiry as soon as possible. \n\nInquiry # XXXX Company : XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX Date : XX/XX/XXXX Reason to Remove : I called XXXX XXXX XXXX and spoke with XXXX at XXXX XXXX on XX/XX/XXXX in consumer disputes and she said she has no record of any authorized signatures on file and has requested Experian remove any hard inquiries from my credit report. Please remove this hard inquiry from my credit report as soon as possible. \n\nExperian, please handle the above as soon as possible as these unauthorized hard credit inquiries above, which I have called and verified, are damaging my credit, and hurting my ability to obtain credit.","date_sent_to_company":"2023-01-26T15:54:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34471","tags":null,"has_narrative":true,"complaint_id":"6489483","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-26T15:38:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Inquiry</em> # XXXX Company : XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX Date : XX/XX/XXXX <em>Reason</em> to Remove : I called XXXX XXXX XXXX and spoke with XXXX at XXXX XXXX on XX/XX/XXXX in consumer disputes and she <em>said</em> she has no record of any <em>authorized</em> signatures on file and has requested Experian remove any hard <em>inquiries</em> from my credit report. Please remove this hard <em>inquiry</em> from my credit report as soon as possible."]},"sort":[13.335017,"6489483"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":409,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":409}]}},"product":{"doc_count":409,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":136,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":136}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":126,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":120},{"key":"Other personal consumer report","doc_count":6}]}},{"key":"Mortgage","doc_count":30,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":12},{"key":"VA mortgage","doc_count":7},{"key":"FHA mortgage","doc_count":4},{"key":"Home equity loan or line of credit (HELOC)","doc_count":3},{"key":"Other type of mortgage","doc_count":2},{"key":"Home equity loan or line of credit","doc_count":1},{"key":"Reverse mortgage","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":26,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":19},{"key":"Store credit card","doc_count":5},{"key":"General-purpose prepaid card","doc_count":1},{"key":"Government benefit card","doc_count":1}]}},{"key":"Credit card","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":13},{"key":"Store credit card","doc_count":4}]}},{"key":"Checking or savings account","doc_count":22,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":18},{"key":"Other banking product or service","doc_count":2},{"key":"Savings account","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":7},{"key":"Virtual currency","doc_count":3},{"key":"Mobile or digital wallet","doc_count":2},{"key":"Check cashing service","doc_count":1}]}},{"key":"Debt collection","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":7},{"key":"Mortgage debt","doc_count":2},{"key":"Medical debt","doc_count":1},{"key":"Payday loan debt","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Credit reporting","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle loan or lease","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":3},{"key":"Lease","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":2},{"key":"Installment loan","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1},{"key":"Personal line of credit","doc_count":1}]}},{"key":"Bank account or service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other bank product/service","doc_count":1}]}},{"key":"Consumer Loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle loan","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Non-federal student loan","doc_count":1}]}}]}},"issue":{"doc_count":409,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":134,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit inquiries on your report that you don't recognize","doc_count":80},{"key":"Reporting company used your report improperly","doc_count":53},{"key":"Report provided to employer without your written authorization","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":66,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":42},{"key":"Account information incorrect","doc_count":14},{"key":"Account status incorrect","doc_count":5},{"key":"Old information reappears or never goes away","doc_count":3},{"key":"Information is missing that should be on the report","doc_count":1},{"key":"Public record information inaccurate","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":36,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":22},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":9},{"key":"Investigation took more than 30 days","doc_count":3},{"key":"Problem with personal statement of dispute","doc_count":1},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":22,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":14},{"key":"Investigation took more than 30 days","doc_count":3},{"key":"Problem with personal statement of dispute","doc_count":2},{"key":"Was not notified of investigation status or results","doc_count":2},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Escrow, taxes, or insurance","doc_count":2},{"key":"Loan sold or transferred to another company","doc_count":1}]}},{"key":"Getting a credit card","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":7},{"key":"Sent card you never applied for","doc_count":2},{"key":"Card opened as result of identity theft or fraud","doc_count":1},{"key":"Delay in processing application","doc_count":1},{"key":"Problem getting a working replacement card","doc_count":1}]}},{"key":"Closing your account","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":11}]}},{"key":"Managing an account","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":5},{"key":"Deposits and withdrawals","doc_count":2},{"key":"Problem making or receiving payments","doc_count":2},{"key":"Problem accessing account","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":7},{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":5},{"key":"Privacy issues","doc_count":1},{"key":"Problem with customer service","doc_count":1},{"key":"Problem with rewards from credit card","doc_count":1}]}},{"key":"Fraud or scam","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay mortgage","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":2}]}},{"key":"Opening an account","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":3},{"key":"Account opened as a result of fraud","doc_count":1},{"key":"Account opened without my consent or knowledge","doc_count":1},{"key":"Didn't receive terms that were advertised","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":4},{"key":"Card was charged for something you did not purchase with the card","doc_count":2}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Incorrect information on credit report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information is not mine","doc_count":4}]}},{"key":"Other transaction problem","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a lender or other company charging your account","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":4}]}},{"key":"Took or threatened to take negative or legal action","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":2},{"key":"Collected or attempted to collect exempt funds","doc_count":1},{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan or lease","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising or marketing","doc_count":2},{"key":"Fraudulent loan","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2},{"key":"Problem with personal statement of dispute","doc_count":1}]}},{"key":"Closing an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Funds not received from closed account","doc_count":2}]}},{"key":"Closing/Cancelling account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit monitoring or identity theft protection services","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":1},{"key":"Problem with product or service terms changing","doc_count":1}]}},{"key":"Credit reporting company's investigation","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with statement of dispute","doc_count":2}]}},{"key":"Getting a line of credit","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem when making payments","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":2}]}},{"key":"Account opening, closing, or management","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Application processing delay","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Application, originator, mortgage broker","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit determination","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit line increase/decrease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with my lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Don't agree with fees charged","doc_count":1}]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":1}]}},{"key":"Getting the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Improper use of my credit report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Report improperly shared by CRC","doc_count":1}]}},{"key":"Loan modification,collection,foreclosure","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with additional add-on products or services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with customer service","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Shopping for a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lender trying to repossess or disable the vehicle","doc_count":1}]}},{"key":"Trouble using your card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":1}]}},{"key":"Unexpected or other fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":409,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":407},{"key":"No","doc_count":2}]}},"company_response":{"doc_count":409,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":292},{"key":"Closed with non-monetary relief","doc_count":103},{"key":"Closed with monetary relief","doc_count":14}]}},"submitted_via":{"doc_count":409,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":409}]}},"company":{"doc_count":409,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":76},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":75},{"key":"EQUIFAX, INC.","doc_count":69},{"key":"JPMORGAN CHASE & CO.","doc_count":23},{"key":"WELLS FARGO & COMPANY","doc_count":14},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":12},{"key":"CITIBANK, N.A.","doc_count":12},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":10},{"key":"AMERICAN EXPRESS COMPANY","doc_count":8},{"key":"SYNCHRONY FINANCIAL","doc_count":7},{"key":"Bread Financial Holdings, Inc.","doc_count":6},{"key":"Coinbase, Inc.","doc_count":4},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":4},{"key":"U.S. BANCORP","doc_count":4},{"key":"DISCOVER BANK","doc_count":3},{"key":"LEXISNEXIS","doc_count":3},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":3},{"key":"Shellpoint Partners, LLC","doc_count":3},{"key":"TD BANK US HOLDING COMPANY","doc_count":3},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":3},{"key":"AMERISAVE MORTGAGE CORPORATION","doc_count":2},{"key":"BARCLAYS BANK DELAWARE","doc_count":2},{"key":"CORELOGIC INC","doc_count":2},{"key":"Certegy Holdings, LLC","doc_count":2},{"key":"GOLDMAN SACHS BANK USA","doc_count":2},{"key":"Ocwen Financial Corporation","doc_count":2},{"key":"OneMain Finance Corporation","doc_count":2},{"key":"Rocket Mortgage, LLC","doc_count":2},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":2},{"key":"ADIR INTERNATIONAL LLC","doc_count":1},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"Affirm Holdings, Inc","doc_count":1},{"key":"BANK OZK","doc_count":1},{"key":"BWW Law Group, LLC","doc_count":1},{"key":"Byrider Franchising, LLC","doc_count":1},{"key":"CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP","doc_count":1},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":1},{"key":"Cascade CISS Holdings, LLC","doc_count":1},{"key":"Clarity Services","doc_count":1},{"key":"Climb Credit Inc.","doc_count":1},{"key":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","doc_count":1},{"key":"Credit Karma, LLC","doc_count":1},{"key":"EAST WEST BANK","doc_count":1},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"FIRST HAWAIIAN, INC.","doc_count":1},{"key":"FORD MOTOR CREDIT CO.","doc_count":1},{"key":"Fairway Independent Mortgage Corporation","doc_count":1},{"key":"Flagstar Bank, N.A.","doc_count":1},{"key":"Global Lending Services LLC","doc_count":1},{"key":"KEYCORP","doc_count":1},{"key":"LD Holdings Group, LLC","doc_count":1},{"key":"Lennar Financial Services, LLC","doc_count":1},{"key":"Longbridge Financial, LLC","doc_count":1},{"key":"MARINER FINANCE, LLC","doc_count":1},{"key":"MIDCOUNTRY FINANCIAL CORP","doc_count":1},{"key":"Medical Data Systems, Inc.","doc_count":1},{"key":"Monterey Financial Services LLC","doc_count":1},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1},{"key":"Nationwide Title Clearing, Inc.","doc_count":1},{"key":"Netspend Corporation","doc_count":1},{"key":"OLD NATIONAL BANCORP","doc_count":1},{"key":"RFNA, LP","doc_count":1},{"key":"Richard Sokoloff, Attorney At Law","doc_count":1},{"key":"SCHOOLSFIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"SUNTRUST BANKS, INC.","doc_count":1},{"key":"Statebridge Company","doc_count":1},{"key":"Sunbit, Inc.","doc_count":1},{"key":"T.S. Holdings","doc_count":1},{"key":"U.S. Collections West, Inc.","doc_count":1},{"key":"United Military Mortgage, LLC","doc_count":1},{"key":"Village Capital & Investment LLC","doc_count":1},{"key":"Westlake Services, LLC","doc_count":1},{"key":"Winklevoss Exchange LLC","doc_count":1},{"key":"ZIONS BANCORPORATION","doc_count":1}]}},"state":{"doc_count":409,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"NY","doc_count":49},{"key":"TX","doc_count":40},{"key":"CA","doc_count":38},{"key":"FL","doc_count":29},{"key":"GA","doc_count":28},{"key":"IL","doc_count":27},{"key":"MI","doc_count":15},{"key":"AZ","doc_count":14},{"key":"MO","doc_count":14},{"key":"MD","doc_count":12},{"key":"NC","doc_count":11},{"key":"NE","doc_count":10},{"key":"PA","doc_count":10},{"key":"VA","doc_count":10},{"key":"LA","doc_count":8},{"key":"NJ","doc_count":8},{"key":"OR","doc_count":8},{"key":"WI","doc_count":8},{"key":"OH","doc_count":6},{"key":"CO","doc_count":5},{"key":"MA","doc_count":5},{"key":"MN","doc_count":5},{"key":"MS","doc_count":5},{"key":"IA","doc_count":4},{"key":"ID","doc_count":4},{"key":"AL","doc_count":3},{"key":"AR","doc_count":3},{"key":"DC","doc_count":3},{"key":"IN","doc_count":3},{"key":"KS","doc_count":3},{"key":"NV","doc_count":3},{"key":"TN","doc_count":3},{"key":"WA","doc_count":3},{"key":"HI","doc_count":2},{"key":"NM","doc_count":2},{"key":"OK","doc_count":2},{"key":"PR","doc_count":2},{"key":"CT","doc_count":1},{"key":"KY","doc_count":1},{"key":"ND","doc_count":1},{"key":"SC","doc_count":1}]}},"company_public_response":{"doc_count":409,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":216},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":15},{"key":"Company chooses not to provide a public response","doc_count":3},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":2}]}},"tags":{"doc_count":409,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":53},{"key":"Older American","doc_count":10},{"key":"Older American, Servicemember","doc_count":10}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[13.335017,"6489483"],"3":[12.258587,"3054941"],"4":[11.411125,"1964054"],"5":[10.621029,"6029035"],"6":[9.776766,"6224708"],"7":[9.077462,"4552982"],"8":[8.460337,"6825156"]}}}