{"took":133,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1685,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5548325","_score":15.800352,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently reviewed my credit reports on Experian, XXXX and XXXX. I noticed all three bureaus had hard inquiries which I did not give my authorization. I put my dispute in the form of a letter, to all three bureaus, detailing my concern. I included a copy of my Drivers License and Social Security card as instructed. \n\nI made a follow up call and was told by all XXXX to contact the companies who made the inquiries. I was unable to get phone numbers to most and not able to get in touch with the rest. \n\nI insist Experian, XXXX and XXXX are forced to remove the inquiries immediately. I did not authorize any of the inquiries. All three bureaus are Illegally posting these inquiries, harming my credit score, as well as my reputation and must be removed.","date_sent_to_company":"2022-05-05T12:42:20.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"060XX","tags":null,"has_narrative":true,"complaint_id":"5548325","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-05-05T12:13:57.000Z","state":"CT","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":["I recently reviewed my <em>credit</em> reports on Experian, XXXX and XXXX. I noticed all <em>three</em> <em>bureaus</em> had hard inquiries which I did not give my authorization. I put my dispute in the form of a letter, to all <em>three</em> <em>bureaus</em>, detailing my <em>concern</em>. I included a copy of my Drivers License and Social <em>Security</em> card as instructed. \n\nI made a follow up call and was told by all XXXX to contact the companies who made the inquiries."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"]},"sort":[15.800352,"5548325"]},{"_index":"complaint-public-v1","_id":"9012325","_score":14.300973,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2024, I identified several incorrect addresses listed on my reports from all three major credit bureaus : Equifax, XXXX, and XXXX. These addresses are : I disputed these addresses with each credit bureau via certified mail on the same date ( XX/XX/2024 ) and requested their removal in accordance with the Fair Credit Reporting Act ( FCRA ). While all three bureaus responded within 30 days, they all denied my request. \n\nThe presence of these inaccurate addresses on my credit report is a violation of my right to privacy under the FCRA and could negatively impact my ability to obtain credit and other financial products. Additionally, having my personal information, including future credit offers, sent to addresses where I don't reside is a significant security concern. \n\nIn my dispute letters, I included copies of documents verifying my current address, such as a valid government-issued ID and a recent bank statement. \n\nI request that the CFPB investigate this matter and ensure the credit bureaus comply with the FCRA by removing these inaccurate addresses from my credit report. I appreciate your time and attention to this issue.","date_sent_to_company":"2024-05-15T15:37:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76123","tags":null,"has_narrative":true,"complaint_id":"9012325","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-15T14:24:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/2024, I identified several incorrect addresses listed on my reports from all <em>three</em> major <em>credit</em> <em>bureaus</em> : Equifax, XXXX, and XXXX. These addresses are : I disputed these addresses with each <em>credit</em> <em>bureau</em> via certified mail on the same date ( XX/XX/2024 ) and requested their removal in accordance with the Fair <em>Credit</em> Reporting Act ( FCRA ). While all <em>three</em> <em>bureaus</em> responded within 30 days, they all denied my request."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.300973,"9012325"]},{"_index":"complaint-public-v1","_id":"10833336","_score":14.280428,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Leadership, I am writing to express my concern regarding the inadequate security measures currently provided by the three major credit bureausExperian, Equifax, and XXXX. These organizations, which store sensitive and critical financial information on nearly every XXXX, do not offer the level of security consumers should reasonably expect to protect their accounts. \n\nShockingly, not all of these bureaus even offer basic two-factor authentication ( 2FA ) via SMS, let alone more secure options like authenticator apps ( e.g., XXXX XXXX XXXX XXXX ). In cases where SMS-based 2FA is available, it is often difficult to locate and enable. This lack of robust security measures is unacceptable, particularly given the severe consequences of unauthorized access to credit reports and the growing threat of cyberattacks such as SIM-swapping and credential theft.\n\nTo address these vulnerabilities, I urge the CFPB to consider drafting and enforcing policies that require credit bureaus to : Implement and offer 2FA options through authenticator apps in addition to SMS-based authentication.\n\nEnsure that all consumers can easily access and enable these security measures, with clear and transparent instructions.\n\nStandardize security practices across all credit bureaus to provide a baseline level of consumer protection.\n\nIt is unacceptable that companies entrusted with such critical data remain behind the curve in adopting modern security practices. These changes are urgently needed to safeguard consumers and prevent further erosion of trust in the credit reporting system.\n\nI respectfully request that the CFPB prioritize this issue and take decisive action to enforce stronger consumer account security standards for all credit bureaus. Thank you for your attention to this important matter, and I look forward to your response.","date_sent_to_company":"2024-11-17T19:19:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"16066","tags":"Servicemember","has_narrative":true,"complaint_id":"10833336","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-17T19:19:15.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear CFPB Leadership, I am writing to express my <em>concern</em> regarding the inadequate <em>security</em> measures currently provided by the <em>three</em> major <em>credit</em> <em>bureaus</em>Experian, Equifax, and XXXX. These organizations, which store sensitive and critical financial information on nearly every XXXX, do not offer the level of <em>security</em> consumers should reasonably expect to protect their accounts."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.280428,"10833336"]},{"_index":"complaint-public-v1","_id":"9012142","_score":14.280415,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2024, I identified several incorrect addresses listed on my reports from all three major credit bureaus : XXXX, Experian, and XXXX. These addresses are : I disputed these addresses with each credit bureau via certified mail on the same date ( XX/XX/2024 ) and requested their removal in accordance with the Fair Credit Reporting Act ( FCRA ). While all three bureaus responded within 30 days, they all denied my request. \n\nThe presence of these inaccurate addresses on my credit report is a violation of my right to privacy under the FCRA and could negatively impact my ability to obtain credit and other financial products. Additionally, having my personal information, including future credit offers, sent to addresses where I don't reside is a significant security concern. \n\nIn my dispute letters, I included copies of documents verifying my current address, such as a valid government-issued ID and a recent bank statement. \n\nI request that the CFPB investigate this matter and ensure the credit bureaus comply with the FCRA by removing these inaccurate addresses from my credit report. I appreciate your time and attention to this issue.","date_sent_to_company":"2024-05-15T15:38:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76123","tags":null,"has_narrative":true,"complaint_id":"9012142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-15T15:38:00.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/2024, I identified several incorrect addresses listed on my reports from all <em>three</em> major <em>credit</em> <em>bureaus</em> : XXXX, Experian, and XXXX. These addresses are : I disputed these addresses with each <em>credit</em> <em>bureau</em> via certified mail on the same date ( XX/XX/2024 ) and requested their removal in accordance with the Fair <em>Credit</em> Reporting Act ( FCRA ). While all <em>three</em> <em>bureaus</em> responded within 30 days, they all denied my request."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.280415,"9012142"]},{"_index":"complaint-public-v1","_id":"10833334","_score":14.2782545,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Leadership, I am writing to express my concern regarding the inadequate security measures currently provided by the three major credit bureausExperian, XXXX, and XXXX. These organizations, which store sensitive and critical financial information on nearly every XXXX, do not offer the level of security consumers should reasonably expect to protect their accounts.\n\nShockingly, not all of these bureaus even offer basic two-factor authentication ( 2FA ) via SMS, let alone more secure options like authenticator apps ( e.g., XXXX XXXX XXXX XXXX ). In cases where SMS-based 2FA is available, it is often difficult to locate and enable. This lack of robust security measures is unacceptable, particularly given the severe consequences of unauthorized access to credit reports and the growing threat of cyberattacks such as SIM-swapping and credential theft.\n\nTo address these vulnerabilities, I urge the CFPB to consider drafting and enforcing policies that require credit bureaus to : Implement and offer 2FA options through authenticator apps in addition to SMS-based authentication.\n\nEnsure that all consumers can easily access and enable these security measures, with clear and transparent instructions.\n\nStandardize security practices across all credit bureaus to provide a baseline level of consumer protection.\n\nIt is unacceptable that companies entrusted with such critical data remain behind the curve in adopting modern security practices. These changes are urgently needed to safeguard consumers and prevent further erosion of trust in the credit reporting system.\n\nI respectfully request that the CFPB prioritize this issue and take decisive action to enforce stronger consumer account security standards for all credit bureaus. Thank you for your attention to this important matter, and I look forward to your response.","date_sent_to_company":"2024-11-17T19:19:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"16066","tags":"Servicemember","has_narrative":true,"complaint_id":"10833334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-17T19:19:15.000Z","state":"PA","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":["Dear CFPB Leadership, I am writing to express my <em>concern</em> regarding the inadequate <em>security</em> measures currently provided by the <em>three</em> major <em>credit</em> <em>bureaus</em>Experian, XXXX, and XXXX. These organizations, which store sensitive and critical financial information on nearly every XXXX, do not offer the level of <em>security</em> consumers should reasonably expect to protect their accounts."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.2782545,"10833334"]},{"_index":"complaint-public-v1","_id":"10829833","_score":14.2782545,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Leadership, I am writing to express my concern regarding the inadequate security measures currently provided by the three major credit bureausExperian, XXXX, and TransUnion. These organizations, which store sensitive and critical financial information on nearly every XXXX, do not offer the level of security consumers should reasonably expect to protect their accounts. \n\nShockingly, not all of these bureaus even offer basic two-factor authentication ( 2FA ) via SMS, let alone more secure options like authenticator apps ( e.g., XXXX XXXX XXXX XXXX ). In cases where SMS-based 2FA is available, it is often difficult to locate and enable. This lack of robust security measures is unacceptable, particularly given the severe consequences of unauthorized access to credit reports and the growing threat of cyberattacks such as SIM-swapping and credential theft.\n\nTo address these vulnerabilities, I urge the CFPB to consider drafting and enforcing policies that require credit bureaus to : Implement and offer 2FA options through authenticator apps in addition to SMS-based authentication.\n\nEnsure that all consumers can easily access and enable these security measures, with clear and transparent instructions.\n\nStandardize security practices across all credit bureaus to provide a baseline level of consumer protection.\n\nIt is unacceptable that companies entrusted with such critical data remain behind the curve in adopting modern security practices. These changes are urgently needed to safeguard consumers and prevent further erosion of trust in the credit reporting system. \n\nI respectfully request that the CFPB prioritize this issue and take decisive action to enforce stronger consumer account security standards for all credit bureaus. Thank you for your attention to this important matter, and I look forward to your response.","date_sent_to_company":"2024-11-17T19:19:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"16066","tags":"Servicemember","has_narrative":true,"complaint_id":"10829833","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-17T19:11:17.000Z","state":"PA","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":["Dear CFPB Leadership, I am writing to express my <em>concern</em> regarding the inadequate <em>security</em> measures currently provided by the <em>three</em> major <em>credit</em> <em>bureaus</em>Experian, XXXX, and TransUnion. These organizations, which store sensitive and critical financial information on nearly every XXXX, do not offer the level of <em>security</em> consumers should reasonably expect to protect their accounts."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.2782545,"10829833"]},{"_index":"complaint-public-v1","_id":"3319911","_score":14.238401,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Synchrony bank has, for the third time in the last 3, allowed someone to fraudulently use my information to open years. \n\nOnXX/XX/XXXX, I received a notification from PayPal that I did not request. I called and requested information, and was advised to change my password. \n\nHowever, on this day, someone else was actually opening a credit card in my name. \n\nMy concern with synchrony bank is that they are not properly screening applicants, as none of my actual information except the social security and phone number matches the information on the active account. \n\nThey should be held responsible for their lack of effort in protecting social security numbers and ask for positive ID before allowing people to open accounts. Its completely ridiculous that this has happened three times over, and they come the credit bureaus instead of accepting responsibility for their own negligence.","date_sent_to_company":"2019-07-26T21:42:59.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"303XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3319911","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2019-07-26T21:34:44.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["Its completely ridiculous that this has happened <em>three</em> times over, and they come the <em>credit</em> <em>bureaus</em> instead of accepting responsibility for their own negligence."],"product":["<em>Credit</em> card or prepaid card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[14.238401,"3319911"]},{"_index":"complaint-public-v1","_id":"9012143","_score":14.080165,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I identified several incorrect addresses listed on my reports from all three major credit bureaus : XXXX, XXXX, and TransUnion. These addresses are : I disputed these addresses with each credit bureau via certified mail on the same date ( XX/XX/year> ) and requested their removal in accordance with the Fair Credit Reporting Act ( FCRA ). While all three bureaus responded within 30 days, they all denied my request. \n\nThe presence of these inaccurate addresses on my credit report is a violation of my right to privacy under the FCRA and could negatively impact my ability to obtain credit and other financial products. Additionally, having my personal information, including future credit offers, sent to addresses where I don't reside is a significant security concern. \n\nIn my dispute letters, I included copies of documents verifying my current address, such as a valid government-issued ID and a recent bank statement. \n\nI request that the CFPB investigate this matter and ensure the credit bureaus comply with the FCRA by removing these inaccurate addresses from my credit report. I appreciate your time and attention to this issue.","date_sent_to_company":"2024-05-15T15:38:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76123","tags":null,"has_narrative":true,"complaint_id":"9012143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-15T15:38:00.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I identified several incorrect addresses listed on my reports from all <em>three</em> major <em>credit</em> <em>bureaus</em> : XXXX, XXXX, and TransUnion. These addresses are : I disputed these addresses with each <em>credit</em> <em>bureau</em> via certified mail on the same date ( XX/XX/year> ) and requested their removal in accordance with the Fair <em>Credit</em> Reporting Act ( FCRA ). While all <em>three</em> <em>bureaus</em> responded within 30 days, they all denied my request."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.080165,"9012143"]},{"_index":"complaint-public-v1","_id":"2377243","_score":14.005529,"_source":{"product":"Credit reporting","complaint_what_happened":"I am a California resident who is presently studying abroad. I was reviewing a copy of my recent credit report and found an account for total of {$60.00} in collections. I called the collections agency as below : XXXX, XXXX XXXX XXXX, CA-XXXX ( XXXX ) XXXX They are listed as reporting this debt to all three credit bureaus. It appears on my XXXX, Equifax, and XXXX reports. The collections agency said they are unable to mail or fax me any documentation because I am studying abroad now. They also refused to email me documentation because of \" privacy concerns. '' I am unaware of what this XXXX dollar charge is, have never been contacted about it, and I am unable to obtain any documentation about it. \n\nAdditionally I am unable to submit a my dispute of the information directly to the credit reporting bureaus. I was getting a security message error when trying to file a correction through the websites. Perhaps because I am abroad? Because I am out of the country presently and unable to find telephone, fax number, or email contacts for submitting concerns to the credit reporting agencies, there seems to be no way to contact the credit bureaus about this concern or obtain documentation about what this is. \n\nI greatly appreciate your help in resolving this. \n\nThank you, XXXX","date_sent_to_company":"2017-03-08T20:25:09.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"92124","tags":null,"has_narrative":true,"complaint_id":"2377243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-03-08T20:25:09.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status"},"highlight":{"complaint_what_happened":["Because I am out of the country presently and unable to find telephone, fax number, or email contacts for submitting <em>concerns</em> to the <em>credit</em> reporting agencies, there seems to be no way to contact the <em>credit</em> <em>bureaus</em> about this <em>concern</em> or obtain documentation about what this is. \n\nI greatly appreciate your help in resolving this. \n\nThank you, XXXX"],"product":["<em>Credit</em> reporting"],"issue":["Incorrect information on <em>credit</em> report"]},"sort":[14.005529,"2377243"]},{"_index":"complaint-public-v1","_id":"13242105","_score":13.923225,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because all three credit bureaus ( Experian, Equifax, and TransUnion ) are reporting inaccurate and potentially fraudulent tradelines on my credit reports. I have formally disputed all accounts listed under my credit profiles due to serious concerns regarding their accuracyespecially in light of the documented data breaches that compromised consumer information. \n\nDue to these security failures and ongoing reporting errors, I no longer trust the accuracy or legitimacy of the accounts tied to my credit file. I submitted disputes requesting that all accounts be investigated and removed if they can not be verified. I have not received a satisfactory resolution from any of the bureaus. \n\nThese tradelines are negatively impacting my financial standing. I am requesting a full investigation and the removal of all unverifiable or inaccurate accounts from my reports.","date_sent_to_company":"2025-04-29T17:32:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20910","tags":null,"has_narrative":true,"complaint_id":"13242105","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-29T17:03:56.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am filing this complaint because all <em>three</em> <em>credit</em> <em>bureaus</em> ( Experian, Equifax, and TransUnion ) are reporting inaccurate and potentially fraudulent tradelines on my <em>credit</em> reports. I have formally disputed all accounts listed under my <em>credit</em> profiles due to serious <em>concerns</em> regarding their accuracyespecially in light of the documented data breaches that compromised consumer information."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.923225,"13242105"]},{"_index":"complaint-public-v1","_id":"13233197","_score":13.922556,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because all three credit bureaus ( Experian, Equifax, and TransUnion ) are reporting inaccurate and potentially fraudulent tradelines on my credit reports. I have formally disputed all accounts listed under my credit profiles due to serious concerns regarding their accuracyespecially in light of the documented data breaches that compromised consumer information. \n\nDue to these security failures and ongoing reporting errors, I no longer trust the accuracy or legitimacy of the accounts tied to my credit file. I submitted disputes requesting that all accounts be investigated and removed if they can not be verified. I have not received a satisfactory resolution from any of the bureaus. \n\nThese tradelines are negatively impacting my financial standing. I am requesting a full investigation and the removal of all unverifiable or inaccurate accounts from my reports.","date_sent_to_company":"2025-04-29T17:32:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20910","tags":null,"has_narrative":true,"complaint_id":"13233197","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-29T17:32:19.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am filing this complaint because all <em>three</em> <em>credit</em> <em>bureaus</em> ( Experian, Equifax, and TransUnion ) are reporting inaccurate and potentially fraudulent tradelines on my <em>credit</em> reports. I have formally disputed all accounts listed under my <em>credit</em> profiles due to serious <em>concerns</em> regarding their accuracyespecially in light of the documented data breaches that compromised consumer information."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.922556,"13233197"]},{"_index":"complaint-public-v1","_id":"13248358","_score":13.907999,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because all three credit bureaus ( Experian, Equifax, and TransUnion ) are reporting inaccurate and potentially fraudulent tradelines on my credit reports. I have formally disputed all accounts listed under my credit profiles due to serious concerns regarding their accuracyespecially in light of the documented data breaches that compromised consumer information. \n\nDue to these security failures and ongoing reporting errors, I no longer trust the accuracy or legitimacy of the accounts tied to my credit file. I submitted disputes requesting that all accounts be investigated and removed if they can not be verified. I have not received a satisfactory resolution from any of the bureaus. \n\nThese tradelines are negatively impacting my financial standing. I am requesting a full investigation and the removal of all unverifiable or inaccurate accounts from my reports.","date_sent_to_company":"2025-04-29T17:32:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20910","tags":null,"has_narrative":true,"complaint_id":"13248358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-29T17:32:19.000Z","state":"MD","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am filing this complaint because all <em>three</em> <em>credit</em> <em>bureaus</em> ( Experian, Equifax, and TransUnion ) are reporting inaccurate and potentially fraudulent tradelines on my <em>credit</em> reports. I have formally disputed all accounts listed under my <em>credit</em> profiles due to serious <em>concerns</em> regarding their accuracyespecially in light of the documented data breaches that compromised consumer information."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.907999,"13248358"]},{"_index":"complaint-public-v1","_id":"11578931","_score":13.780566,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : Social Security Number : XXXX XXXX XXXX Subject : Personal Information Update Request & Investigation of Potential Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the immediate removal of certain personal identifiable information from my credit report, which I have already requested five times in writing, made three phone calls about, and attempted several online submissions regarding. Furthermore, I have noticed discrepancies across my credit reports from XXXX, Experian, and XXXX, which raise serious concerns regarding potential identity theft. \n\nAs a consumer protected by federal law, I request the following actions to be taken to ensure the accuracy and privacy of my information : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. \nAddress Update : I request the deletion of all outdated and irrelevant addresses from my credit report. \nThe only address I request to be included is : XXXX XXXX XXXX, XXXX, MI XXXX I can not receive mail or any correspondence at these outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. \nPhone Numbers : Please delete all phone numbers currently listed in my report. \nSocial Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. \nEmployer Information : Please delete all information currently listed under the \" Employer '' section of my report.\n\nInconsistencies Across Credit Reports : Upon reviewing my credit reports from XXXX, Experian, and XXXX, I have noticed the following inconsistencies : Account Number Discrepancies : The same account number appears differently across the three bureaus, which is a serious inconsistency. This raises concerns about potential identity theft, as unauthorized individuals may be altering or misusing my information.\n\nPayment Status Inconsistencies : There are discrepancies between the payment status reported by the bureaus. Inconsistent reporting can indicate errors or fraudulent activity, as it could reflect transactions that I did not authorize.\n\nAddress Variations : The listed addresses across the three credit bureaus do not match, which suggests that unauthorized individuals may be using my information at different addresses. This raises the possibility of fraudulent accounts or activities linked to my personal information. \nEmployer Information : There is inconsistent employer information across the reports, which may point to fraudulent attempts to link my identity to accounts I did not authorize.","date_sent_to_company":"2025-01-16T19:21:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48075","tags":null,"has_narrative":true,"complaint_id":"11578931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T19:21:35.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Inconsistencies Across <em>Credit</em> Reports : Upon reviewing my <em>credit</em> reports from XXXX, Experian, and XXXX, I have noticed the following inconsistencies : Account Number Discrepancies : The same account number appears differently across the <em>three</em> <em>bureaus</em>, which is a serious inconsistency. This raises <em>concerns</em> about potential identity theft, as unauthorized individuals may be altering or misusing my information."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.780566,"11578931"]},{"_index":"complaint-public-v1","_id":"11564641","_score":13.754438,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : Social Security Number : XXXX XXXX XXXX Subject : Personal Information Update Request & Investigation of Potential Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the immediate removal of certain personal identifiable information from my credit report, which I have already requested five times in writing, made three phone calls about, and attempted several online submissions regarding. Furthermore, I have noticed discrepancies across my credit reports from TransUnion, XXXX, and XXXX, which raise serious concerns regarding potential identity theft. \n\nAs a consumer protected by federal law, I request the following actions to be taken to ensure the accuracy and privacy of my information : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. \nAddress Update : I request the deletion of all outdated and irrelevant addresses from my credit report. \nThe only address I request to be included is : XXXX XXXX XXXX, XXXX, MI XXXX I can not receive mail or any correspondence at these outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. \nPhone Numbers : Please delete all phone numbers currently listed in my report. \nSocial Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. \nEmployer Information : Please delete all information currently listed under the \" Employer '' section of my report. \nInconsistencies Across Credit Reports : Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I have noticed the following inconsistencies : Account Number Discrepancies : The same account number appears differently across the three bureaus, which is a serious inconsistency. This raises concerns about potential identity theft, as unauthorized individuals may be altering or misusing my information.\n\nPayment Status Inconsistencies : There are discrepancies between the payment status reported by the bureaus. Inconsistent reporting can indicate errors or fraudulent activity, as it could reflect transactions that I did not authorize.\n\nAddress Variations : The listed addresses across the three credit bureaus do not match, which suggests that unauthorized individuals may be using my information at different addresses. This raises the possibility of fraudulent accounts or activities linked to my personal information. \nEmployer Information : There is inconsistent employer information across the reports, which may point to fraudulent attempts to link my identity to accounts I did not authorize.","date_sent_to_company":"2025-01-16T19:21:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48075","tags":null,"has_narrative":true,"complaint_id":"11564641","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-16T19:21:35.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Inconsistencies Across <em>Credit</em> Reports : Upon reviewing my <em>credit</em> reports from TransUnion, XXXX, and XXXX, I have noticed the following inconsistencies : Account Number Discrepancies : The same account number appears differently across the <em>three</em> <em>bureaus</em>, which is a serious inconsistency. This raises <em>concerns</em> about potential identity theft, as unauthorized individuals may be altering or misusing my information."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.754438,"11564641"]},{"_index":"complaint-public-v1","_id":"3792976","_score":13.655503,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2020 To Whom This May Concern : I've spent last three days starting on XX/XX/XXXX trying to find out why my Vantage Score displayed on the Chase Credit Journey dropped from XXXX to XXXX practically overnight. I've contacted XXXX who is the credit bureau connected to the Chase Credit Journey website and Chase Customer Service then Chase Credit Specialist Unit and also the Chase Credit Journey Customer Service. I've ordered all my credit reports from all the three credit bureaus and there wasn't anything significant on any that would indicate a decline of 139 points. I have disputed a few minor discrepancies such as wrong telephone numbers or addresses and they were addressed. I have also been told by the credit bureaus that my score was unavailable with no explanation. I've never made a late payment on my only credit card, Chase Freedom or applied for a loan, mortgage or anything as of the like, period. I've asked for advice from Chase and XXXX and was told to ask a Licensed Credit Advisor.  I'm on Social Security Disability and by no means can afford to pay a Credit Advisor. Someone needs to give me an explanation for all this confusion and take responsibility for this mistake or mix up. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2020-08-20T17:35:16.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11103","tags":"Older American","has_narrative":true,"complaint_id":"3792976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-08-12T21:52:46.000Z","state":"NY","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["XX/XX/2020 To Whom This May <em>Concern</em> : I've spent last <em>three</em> days starting on XX/XX/XXXX trying to find out why my Vantage Score displayed on the Chase <em>Credit</em> Journey dropped from XXXX to XXXX practically overnight. I've contacted XXXX who is the <em>credit</em> <em>bureau</em> connected to the Chase <em>Credit</em> Journey website and Chase Customer Service then Chase <em>Credit</em> Specialist Unit and also the Chase <em>Credit</em> Journey Customer Service."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.655503,"3792976"]},{"_index":"complaint-public-v1","_id":"5163806","_score":13.501002,"_source":{"product":"Debt collection","complaint_what_happened":"To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collector : MediCredit INC. This company opened an account using my personal information with no authorization from me. This company has reported that the account of the alleged debt is open and active but listed under derogatory marks. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for these companies. XXXX sent a response letter providing me with the contact information the debt collection company listed above. This company has reported incorrect illegal accounts to The Credit Bureau without consent from me. This tactic is listed in the U.S. Law as identity theft and a HIPPA violation if any of my medical information is stored in their establishment. This company used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression.","date_sent_to_company":"2022-01-29T20:18:43.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"5163806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Outsource Group, Inc","date_received":"2022-01-29T20:08:18.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["To whom it <em>concerns</em>, I have requested an investigation by the <em>three</em> major <em>credit</em> <em>bureaus</em> for the following debt collector : Medi<em>Credit</em> INC. This company opened an account using my personal information with no authorization from me. This company has reported that the account of the alleged debt is open and active but listed under derogatory marks. How can an account show open under a collection status?"]},"sort":[13.501002,"5163806"]},{"_index":"complaint-public-v1","_id":"7405226","_score":13.492981,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern I XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. I noticed inaccurate information was reporting on my personal information section. I then sent dispute letters to all three credit bureaus via certified mail with return receipts on XX/XX/XXXX. I sent in proof of residency of my check stub, my government identification card and my social security card to prove my identity. I then looked at my credit report on XX/XX/XXXX just to see have changes been mad to my correct my personal information. XXXX XXXX and Experian failed to make any changes to my consumer reports. I then tried again on XX/XX/XXXX sent another certified letter to get my information correct but all three credit bureaus still failed to correct my information. My name and is reporting wrong and Ill like my information completely immediately. I am afraid I maybe a victim of identity theft because so many different names and addresses on my credit report. I hope this process will be successful and not continue to violate my consumer rights.","date_sent_to_company":"2023-09-15T18:32:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60172","tags":null,"has_narrative":true,"complaint_id":"7405226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-15T04:46:10.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["To whom it may <em>concern</em> I XXXX XXXX XXXX pulled my <em>credit</em> report on XX/XX/XXXX. I noticed inaccurate information was reporting on my personal information section. I then sent dispute letters to all <em>three</em> <em>credit</em> <em>bureaus</em> via certified mail with return receipts on XX/XX/XXXX. I sent in proof of residency of my check stub, my government identification card and my social <em>security</em> card to prove my identity."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.492981,"7405226"]},{"_index":"complaint-public-v1","_id":"7402811","_score":13.492981,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern I XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. I noticed inaccurate information was reporting on my personal information section. I then sent dispute letters to all three credit bureaus via certified mail with return receipts on XX/XX/XXXX. I sent in proof of residency of my check stub, my government identification card and my social security card to prove my identity. I then looked at my credit report on XX/XX/XXXX just to see have changes been mad to my correct my personal information. XXXX TransUnion and XXXX failed to make any changes to my consumer reports. I then tried again on XX/XX/XXXX sent another certified letter to get my information correct but all three credit bureaus still failed to correct my information. My name and is reporting wrong and Ill like my information completely immediately. I am afraid I maybe a victim of identity theft because so many different names and addresses on my credit report. I hope this process will be successful and not continue to violate my consumer rights.","date_sent_to_company":"2023-08-15T04:46:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60172","tags":null,"has_narrative":true,"complaint_id":"7402811","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-15T04:11:30.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["To whom it may <em>concern</em> I XXXX XXXX XXXX pulled my <em>credit</em> report on XX/XX/XXXX. I noticed inaccurate information was reporting on my personal information section. I then sent dispute letters to all <em>three</em> <em>credit</em> <em>bureaus</em> via certified mail with return receipts on XX/XX/XXXX. I sent in proof of residency of my check stub, my government identification card and my social <em>security</em> card to prove my identity."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.492981,"7402811"]},{"_index":"complaint-public-v1","_id":"7402791","_score":13.492981,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern I XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. I noticed inaccurate information was reporting on my personal information section. I then sent dispute letters to all three credit bureaus via certified mail with return receipts on XX/XX/XXXX. I sent in proof of residency of my check stub, my government identification card and my social security card to prove my identity. I then looked at my credit report on XX/XX/XXXX just to see have changes been mad to my correct my personal information. XXXX XXXX and XXXX failed to make any changes to my consumer reports. I then tried again on XX/XX/XXXX sent another certified letter to get my information correct but all three credit bureaus still failed to correct my information. My name and is reporting wrong and XXXX like my information completely immediately. I am afraid I maybe a victim of identity theft because so many different names and addresses on my credit report. I hope this process will be successful and not continue to violate my consumer rights.","date_sent_to_company":"2023-08-15T04:46:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60172","tags":null,"has_narrative":true,"complaint_id":"7402791","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-15T04:46:10.000Z","state":"IL","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["To whom it may <em>concern</em> I XXXX XXXX XXXX pulled my <em>credit</em> report on XX/XX/XXXX. I noticed inaccurate information was reporting on my personal information section. I then sent dispute letters to all <em>three</em> <em>credit</em> <em>bureaus</em> via certified mail with return receipts on XX/XX/XXXX. I sent in proof of residency of my check stub, my government identification card and my social <em>security</em> card to prove my identity."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.492981,"7402791"]},{"_index":"complaint-public-v1","_id":"12504911","_score":13.462514,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX RE : Complaint Regarding Personal Information Update & Investigation of Potential Identity Theft Dear CFPB, I am submitting this formal complaint regarding the failure of the credit reporting agencies ( TransUnion, Experian, and Equifax ) to properly update my personal information and investigate potential identity theft concerns. Despite multiple written requests, phone calls, and online submissions, my personal information remains incorrect, and discrepancies across my credit reports continue to raise serious concerns. \n\nI. Failure to Update Personal Information I have repeatedly requested updates and corrections to my personal information, yet the credit bureaus have failed to comply. My specific requests are as follows : Full Legal Name : My full legal name is XXXX XXXX. Please ensure that only this name is listed on my credit reports. \n\nAddress Update : Delete all outdated and irrelevant addresses. \n\nThe only valid address to remain on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Numbers : Remove all phone numbers currently listed on my report. \n\nSocial Security Number & Date of Birth : For privacy reasons, remove my Social Security number and date of birth from public display on my credit report. \n\nEmployer Information : Delete all employer information currently listed on my credit report. \n\nII. Inconsistencies Across Credit Reports I have identified multiple discrepancies across my credit reports from TransUnion, Experian, and Equifax, indicating potential identity theft : Account Number Discrepancies : The same account appears with different numbers across the three bureaus, raising concerns of unauthorized tampering.\n\nPayment Status Inconsistencies : Different bureaus report conflicting payment statuses, indicating possible fraudulent activity or reporting errors. \n\nAddress Variations : My addresses differ across the three bureaus, suggesting unauthorized use of my identity. \n\nEmployer Information Variances : Different employers are listed across my reports, further signaling potential identity theft. \n\nIII. Impact of Data Breaches & Failure to Protect My Information I have been a victim of multiple data breaches, including : Equifax ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. \n\nXXXX ( XXXX ) : XXXX XXXX records leaked, including passport numbers. \n\nExperian ( XXXX ) : Millions of Social Security numbers and credit histories compromised. \n\nAs a result, fraudulent accounts have been opened in my name. Despite my repeated requests to update my personal information and place fraud alerts, the credit bureaus failed to take necessary actions, increasing my risk of financial harm. \n\nAdditionally, the credit reporting agencies have refused to provide the method of verification for disputed accounts, in violation of : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification.\n\n15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.\n\n15 U.S.C. 1681b ( g ) : Failure to properly safeguard personal data.\n\n15 U.S.C. 1681s-2 : Failure of data furnishers to ensure accuracy in reporting.","date_sent_to_company":"2025-03-16T05:57:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"12504911","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-16T05:48:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Employer Information : Delete all employer information currently listed on my <em>credit</em> report. \n\nII. Inconsistencies Across <em>Credit</em> Reports I have identified multiple discrepancies across my <em>credit</em> reports from TransUnion, Experian, and Equifax, indicating potential identity theft : Account Number Discrepancies : The same account appears with different numbers across the <em>three</em> <em>bureaus</em>, raising <em>concerns</em> of unauthorized tampering."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.462514,"12504911"]},{"_index":"complaint-public-v1","_id":"11550619","_score":13.452646,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Complaint Regarding Fraudulent Account Opening and Unprofessional Conduct by Chime Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Chime regarding serious issues related to a fraudulent account opened under my name and the company 's subsequent handling of the matter.\n\nDetails of the Incident : Fraudulent Account Opening : An account was opened in my name without my knowledge or consent.\n\nI discovered this only when Chime sent me a credit and debit card associated with the account.\n\nMy Social Security Number ( SSN ) is frozen with all three major credit reporting bureaus, which should have prevented such an occurrence. It appears Chime failed to perform adequate due diligence during the account opening process. \nUnprofessional Customer Service : When I contacted Chime to address the issue, I was repeatedly connected to offshore representatives whose heavy accents made communication difficult.\n\nThese representatives refused to disclose basic information, such as what details were used to open the account or when the account was created, despite it supposedly being my account.\n\nChime provided my account statements via email in the form of XXXX tables, which struck me as highly unprofessional and unusual.\n\nI was also informed that they could not confirm whether Chime is based in the U.S., citing \" security reasons, '' which only added to my concerns.\n\nInadequate Resolution and Accountability : The representatives repeatedly reassured me that such incidents would not happen again, either to me or my family, yet provided no evidence of improved processes to prevent future fraudulent activities. \nChime refused to accept responsibility for allowing a fraudulent account to be opened using my frozen SSN.\n\nDuring one call, a representative even hung up on me instead of continuing to answer my questions about their security failures.\n\nMy Concerns : Chimes failure to prevent the fraudulent account opening, combined with their lack of transparency, unprofessional behavior, and refusal to address my concerns, has left me deeply frustrated and concerned about their security practices. Their handling of my case has raised doubts about the legitimacy of their operations.","date_sent_to_company":"2025-01-15T20:04:16.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"90045","tags":null,"has_narrative":true,"complaint_id":"11550619","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-01-15T19:52:44.000Z","state":"CA","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["I discovered this only when Chime sent me a <em>credit</em> and debit card associated with the account.\n\nMy Social <em>Security</em> Number ( SSN ) is frozen with all <em>three</em> major <em>credit</em> reporting <em>bureaus</em>, which should have prevented such an occurrence. It appears Chime failed to perform adequate due diligence during the account opening process."],"product":["<em>Credit</em> card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[13.452646,"11550619"]},{"_index":"complaint-public-v1","_id":"12507694","_score":13.451587,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX RE : Complaint Regarding Personal Information Update & Investigation of Potential Identity Theft Dear CFPB, I am submitting this formal complaint regarding the failure of the credit reporting agencies ( TransUnion, Experian, and Equifax ) to properly update my personal information and investigate potential identity theft concerns. Despite multiple written requests, phone calls, and online submissions, my personal information remains incorrect, and discrepancies across my credit reports continue to raise serious concerns. \n\nI. Failure to Update Personal Information I have repeatedly requested updates and corrections to my personal information, yet the credit bureaus have failed to comply. My specific requests are as follows : Full Legal Name : My full legal name is XXXX XXXX. Please ensure that only this name is listed on my credit reports. \n\nAddress Update : Delete all outdated and irrelevant addresses. \n\nThe only valid address to remain on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Numbers : Remove all phone numbers currently listed on my report. \n\nSocial Security Number & Date of Birth : For privacy reasons, remove my Social Security number and date of birth from public display on my credit report. \n\nEmployer Information : Delete all employer information currently listed on my credit report. \n\nII. Inconsistencies Across Credit Reports I have identified multiple discrepancies across my credit reports from TransUnion, Experian, and Equifax, indicating potential identity theft : Account Number Discrepancies : The same account appears with different numbers across the three bureaus, raising concerns of unauthorized tampering.\n\nPayment Status Inconsistencies : Different bureaus report conflicting payment statuses, indicating possible fraudulent activity or reporting errors. \n\nAddress Variations : My addresses differ across the three bureaus, suggesting unauthorized use of my identity. \n\nEmployer Information Variances : Different employers are listed across my reports, further signaling potential identity theft. \n\nIII. Impact of Data Breaches & Failure to Protect My Information I have been a victim of multiple data breaches, including : Equifax ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. \n\nXXXX ( XXXX ) : XXXX XXXX records leaked, including passport numbers. \n\nExperian ( XXXX ) : Millions of Social Security numbers and credit histories compromised. \n\nAs a result, fraudulent accounts have been opened in my name. Despite my repeated requests to update my personal information and place fraud alerts, the credit bureaus failed to take necessary actions, increasing my risk of financial harm. \n\nAdditionally, the credit reporting agencies have refused to provide the method of verification for disputed accounts, in violation of : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification.\n\n15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.\n\n15 U.S.C. 1681b ( g ) : Failure to properly safeguard personal data.\n\n15 U.S.C. 1681s-2 : Failure of data furnishers to ensure accuracy in reporting.","date_sent_to_company":"2025-03-16T05:57:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"12507694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-16T05:56:41.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Employer Information : Delete all employer information currently listed on my <em>credit</em> report. \n\nII. Inconsistencies Across <em>Credit</em> Reports I have identified multiple discrepancies across my <em>credit</em> reports from TransUnion, Experian, and Equifax, indicating potential identity theft : Account Number Discrepancies : The same account appears with different numbers across the <em>three</em> <em>bureaus</em>, raising <em>concerns</em> of unauthorized tampering."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.451587,"12507694"]},{"_index":"complaint-public-v1","_id":"12507692","_score":13.4351425,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX RE : Complaint Regarding Personal Information Update & Investigation of Potential Identity Theft Dear CFPB, I am submitting this formal complaint regarding the failure of the credit reporting agencies ( TransUnion, Experian, and Equifax ) to properly update my personal information and investigate potential identity theft concerns. Despite multiple written requests, phone calls, and online submissions, my personal information remains incorrect, and discrepancies across my credit reports continue to raise serious concerns. \n\nI. Failure to Update Personal Information I have repeatedly requested updates and corrections to my personal information, yet the credit bureaus have failed to comply. My specific requests are as follows : Full Legal Name : My full legal name is XXXX XXXX. Please ensure that only this name is listed on my credit reports. \n\nAddress Update : Delete all outdated and irrelevant addresses. \n\nThe only valid address to remain on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Numbers : Remove all phone numbers currently listed on my report. \n\nSocial Security Number & Date of Birth : For privacy reasons, remove my Social Security number and date of birth from public display on my credit report. \n\nEmployer Information : Delete all employer information currently listed on my credit report. \n\nII. Inconsistencies Across Credit Reports I have identified multiple discrepancies across my credit reports from TransUnion, Experian, and Equifax, indicating potential identity theft : Account Number Discrepancies : The same account appears with different numbers across the three bureaus, raising concerns of unauthorized tampering.\n\nPayment Status Inconsistencies : Different bureaus report conflicting payment statuses, indicating possible fraudulent activity or reporting errors. \n\nAddress Variations : My addresses differ across the three bureaus, suggesting unauthorized use of my identity. \n\nEmployer Information Variances : Different employers are listed across my reports, further signaling potential identity theft. \n\nIII. Impact of Data Breaches & Failure to Protect My Information I have been a victim of multiple data breaches, including : Equifax ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. \n\nXXXX ( XXXX ) : XXXX XXXX records leaked, including passport numbers. \n\nExperian ( XXXX ) : Millions of Social Security numbers and credit histories compromised. \n\nAs a result, fraudulent accounts have been opened in my name. Despite my repeated requests to update my personal information and place fraud alerts, the credit bureaus failed to take necessary actions, increasing my risk of financial harm. \n\nAdditionally, the credit reporting agencies have refused to provide the method of verification for disputed accounts, in violation of : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification.\n\n15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.\n\n15 U.S.C. 1681b ( g ) : Failure to properly safeguard personal data.\n\n15 U.S.C. 1681s-2 : Failure of data furnishers to ensure accuracy in reporting.","date_sent_to_company":"2025-03-16T05:57:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"12507692","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-16T05:56:41.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Employer Information : Delete all employer information currently listed on my <em>credit</em> report. \n\nII. Inconsistencies Across <em>Credit</em> Reports I have identified multiple discrepancies across my <em>credit</em> reports from TransUnion, Experian, and Equifax, indicating potential identity theft : Account Number Discrepancies : The same account appears with different numbers across the <em>three</em> <em>bureaus</em>, raising <em>concerns</em> of unauthorized tampering."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.4351425,"12507692"]},{"_index":"complaint-public-v1","_id":"5164938","_score":13.300659,"_source":{"product":"Debt collection","complaint_what_happened":"To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : Bull City Financial Solutions. This Company has opened an account in my name using my personal information with no authorization from me. This company has reported to The Bureau that the account of the alleged debt is open and active but listed under collections. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for these companies. Bull City Financial Solutions has also reported an incorrect illegal account to The Credit Bureau without consent from me. This tactic is listed in the U.S. Law as identity theft and a HIPPA violation for holding medical information within their establishment without a medical release form from me. They used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression. The Original Creditor was listed on my credit as Bull City Financial Solutions which is incorrect. I am a consumer which makes me the Original Creditor.","date_sent_to_company":"2022-01-30T17:09:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"28262","tags":null,"has_narrative":true,"complaint_id":"5164938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2022-01-30T16:49:04.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["To whom it <em>concerns</em>, I have requested an investigation by the <em>three</em> major <em>credit</em> <em>bureaus</em> for the following debt collectors : Bull City Financial Solutions. This Company has opened an account in my name using my personal information with no authorization from me. This company has reported to The <em>Bureau</em> that the account of the alleged debt is open and active but listed under collections. How can an account show open under a collection status?"]},"sort":[13.300659,"5164938"]},{"_index":"complaint-public-v1","_id":"7839215","_score":13.265785,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Good afternoon again I am writing an concerns to my identity. I have contacted the company three times I did not make the inquiries that are on my credit report. The company Ive called them Ive given my information, and they even stated that whoever was using my identity was using my maiden last name, I have been married for over XXXX years now. The inquiries were made in XXXX and XXXX. Please have these inquiries removed off my credit report immediately. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They are showing on all three credit bureaus again I have contacted each of these companies and each have said that they would remove them. As I said today, they are still showing up as inquiries. I also had a security freeze put on my account so I dont even know how these were able to even get through.","date_sent_to_company":"2023-11-11T17:24:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"184XX","tags":null,"has_narrative":true,"complaint_id":"7839215","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-11-11T17:24:07.000Z","state":"PA","company_public_response":null,"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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They are showing on all <em>three</em> <em>credit</em> <em>bureaus</em> again I have contacted each of these companies and each have said that they would remove them. As I said today, they are still showing up as inquiries. I also had a <em>security</em> freeze put on my account so I dont even know how these were able to even get through."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[13.265785,"7839215"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1685,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1685}]}},"product":{"doc_count":1685,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1310,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1298},{"key":"Other personal consumer report","doc_count":12}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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