{"took":81,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1220,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2483165","_score":13.946685,"_source":{"product":"Debt collection","complaint_what_happened":"Account Name    XXXX   XXXX      XXXX   XXXX   XXXX   Account #  XXXX  I sent this organization via CERTIFIED MAIL  XXXX  items and they never responded.     Notice and Demand to Validate Debt Claim Affidavit to Prove Real Funds of Value Were Transmitted Privacy Act Request They need to remove this item from my PERSON 's credit report immediately. I will record a perfected security interest in  3x the a mount noted plus damages if they do n't remove this item from my credit report immediately.     I will also report them to the  US  ATTORNEY and ATTORNEY GENERAL for Loan Fraud and Securities Fraud.","date_sent_to_company":"2017-05-17T10:38:58.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"02368","tags":"Servicemember","has_narrative":true,"complaint_id":"2483165","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2017-05-12T19:18:10.000Z","state":"MA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Notice and Demand to Validate Debt Claim Affidavit to Prove <em>Real</em> Funds of Value Were Transmitted Privacy Act Request They need to <em>remove</em> this item from my PERSON 's <em>credit</em> <em>report</em> immediately. I will record a perfected <em>security</em> interest in  3x the a mount noted plus damages if they do n't <em>remove</em> this item from my <em>credit</em> <em>report</em> immediately.     I will also <em>report</em> them to the  US  ATTORNEY and ATTORNEY GENERAL for Loan Fraud and <em>Securities</em> Fraud."],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[13.946685,"2483165"]},{"_index":"complaint-public-v1","_id":"2913566","_score":13.553782,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted Equifax by certified mail on XX/XX/XXXX to correct personal information errors on my credit report. I also included a copy of my state id, social security card, and utility bill all containing my name XXXX XXXX XXXX XXXX on each document. I have attached a copy of the letter along with a copy of my state identification to prove my correct name with this complaint. I was a victim of the security breach at Equifax during XXXX, every since that time I have received inquiries, and letters to my home in the name XXXX XXXX XXXX. Equifax had the name listed on my credit report. I have never gone by or been known as XXXX XXXX XXXX XXXX XXXX XXXX. I contacted Equifax to have the name removed, but instead Equifax deleted my real name XXXX XXXX XXXX XXXX completely from my Credit report and replaced it with XXXX XXXX XXXX XXXX despite having 3 separate documents with my real name provided to them.","date_sent_to_company":"2018-05-22T06:15:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75287","tags":null,"has_narrative":true,"complaint_id":"2913566","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-05-22T01:42:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I contacted Equifax to have the name <em>removed</em>, but instead Equifax deleted my <em>real</em> name XXXX XXXX XXXX XXXX completely from my <em>Credit</em> <em>report</em> and replaced it with XXXX XXXX XXXX XXXX despite having 3 separate documents with my <em>real</em> name provided to them."],"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"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.553782,"2913566"]},{"_index":"complaint-public-v1","_id":"3400440","_score":13.34966,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian has a security freeze on my credit report and will not remove it. I have jumped through all of their hoops to no avail. I exhausted all means on line and nothing worked. They claimed they needed more information so I complied and mailed everything they asked for. NO RESPONSE!!!!! I need this resolved as I need to get a loan for my son. It is very important. There is no possible way to speak to a real person on any of Experians contact numbers. I do not feel that a company that is headquartered in XXXX should be able to operate in this country without a phone contact with real people who have the ability to resolve issues. \n\nXXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX, IA XXXX email : XXXX phone : XXXX","date_sent_to_company":"2019-10-09T18:28:12.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"526XX","tags":"Older American","has_narrative":true,"complaint_id":"3400440","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-10-09T18:11:13.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Experian has a <em>security</em> freeze on my <em>credit</em> <em>report</em> and will not <em>remove</em> it. I have jumped through all of their hoops to no avail. I exhausted all means on line and nothing worked. They claimed they needed more information so I complied and mailed everything they asked for. NO RESPONSE!!!!! I need this resolved as I need to get a loan for my son. It is very important. There is no possible way to speak to a <em>real</em> person on any of Experians contact numbers."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.34966,"3400440"]},{"_index":"complaint-public-v1","_id":"10852105","_score":13.318047,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've reached out to Transunion multiple times in 2024 regarding my online access. Transunion refuses to allow me access which continues to put hardship on me and my family as I'm not afforded the ability to monitor my credit report in real time nor am I afforded the ability to add and remove security freezes in real time. This resistance by Transunion causes irreparable financial hard to me and my family as I'm not afforded the ability to protect myself from inaccurate imfortmation nor am I'm afforded the ability to remove a freeze on the weekend to make purchases if needed. Instead I have to wait to business days and sit on long hold times just to do a task that takes a few minutes. I've lost out on so many opportunities by no simply having access to my online bureau.","date_sent_to_company":"2024-11-20T23:41:04.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"94587","tags":null,"has_narrative":true,"complaint_id":"10852105","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-20T23:23:05.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Transunion refuses to allow me access which continues to put hardship on me and my family as I'm not afforded the ability to monitor my <em>credit</em> <em>report</em> in <em>real</em> time nor am I afforded the ability to add and <em>remove</em> <em>security</em> freezes in <em>real</em> time. This resistance by Transunion causes irreparable financial hard to me and my family as I'm not afforded the ability to protect myself from inaccurate imfortmation nor am I'm afforded the ability to <em>remove</em> a freeze on the weekend to make purchases if needed."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other problem getting your <em>report</em> or <em>credit</em> score"]},"sort":[13.318047,"10852105"]},{"_index":"complaint-public-v1","_id":"1490518","_score":13.230312,"_source":{"product":"Credit reporting","complaint_what_happened":"Dear Sir or Madam : In each of the next reported items, I have uploaded and provided to Experian documents which substantiate my dispute ( s ) and I have asked for \" potentially negative '' items to be removed or corrected. They have not been. I have asked for incorrect addresses and names to be removed and they have not. I have asked them to remove or correct the US Bankruptcy data which is incorrect and they have not. My list goes on and on and I am tired of battling with Experian. I ca n't call and talk to them with the number they provide because it is automated and request a person to log on to their web site. I live in XXXX, TX and I drove to their extremely large call center to speak with a real person and the security guard said that I would have to take a business card on the wall next to the intercom speaker and call them- it is the same number and I can not speak with a real person. I want this resolved and I want my credit cleared up. Experian 's negative and inaccurate reporting is costing me XXXX of dollars in paying high interest on loans, sky rocketing insurance rates and a list of other items due to their inaccuracy. Furthermore, I tried to open a savings account for my oldest child at a local credit union and they have a security freeze on my account which prevented me being able to open an account. There is a fraud alert due to a fraudulent tax return having been filed in my name, but it is not a security freeze and even when I attempted to \" lift the freeze '' Experian shows no freeze ; however the credit union provided me with the documents.","date_sent_to_company":"2015-07-28T18:24:28.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"75002","tags":"Servicemember","has_narrative":true,"complaint_id":"1490518","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-07-28T18:24:26.000Z","state":"TX","company_public_response":"Company chooses not to provide a public response","sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["I live in XXXX, TX and I drove to their extremely large call center to speak with a <em>real</em> person and the <em>security</em> guard said that I would have to take a business card on the wall next to the intercom speaker and call them- it is the same number and I can not speak with a <em>real</em> person. I want this resolved and I want my <em>credit</em> cleared up."],"product":["<em>Credit</em> reporting"],"issue":["<em>Credit</em> reporting company's investigation"]},"sort":[13.230312,"1490518"]},{"_index":"complaint-public-v1","_id":"2713574","_score":13.167906,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Effective XXXX XXXX 2017 It is to my understanding that my credit report will require any public record such as a lawsuit, judgement, tax lien and real property lien submitted for reporting on a consumers credit report, to include the consumer 's name, address and either their social security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumer 's credit report. I would like to have 3 bankruptcies and 1 tax lien investigated immediately and removed from my report.\nThanks in Advance, XXXX XXXX","date_sent_to_company":"2017-10-27T06:51:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"2713574","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2017-10-27T02:33:14.000Z","state":"GA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Effective XXXX XXXX 2017 It is to my understanding that my <em>credit</em> <em>report</em> will require any public record such as a lawsuit, judgement, tax lien and <em>real</em> property lien submitted for <em>reporting</em> on a consumers <em>credit</em> <em>report</em>, to include the consumer 's name, address and either their social <em>security</em> number or date of birth. If any of this information is missing on a <em>reported</em> public record, it will no longer be <em>reported</em> on a consumer 's <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.167906,"2713574"]},{"_index":"complaint-public-v1","_id":"1516430","_score":13.121914,"_source":{"product":"Mortgage","complaint_what_happened":"My property is scheduled for Foreclosure Sale on XXXX/XXXX/15 by Green Tree Servicing , LLC ( GT ). Due to a security leak, my Personally Identifiable Information ( PII ) was compromised by Federal authorities. As a result, I have a freeze on my credit with the XXXX major Credit Bureaus ( XXXX, XXXX, and XXXX. ) To process my Loan Modification request, GT had to access my credit report and requested that I lift the XXXX security freeze. In response, I requested a temporary lift of the freeze for GT for a specific period of time. GT, however, still could not access my credit with XXXX. XXXX is the only Credit Bureau Green Tree uses. XXXX provided an Access Code ( for a \" Selective Security Freeze Lift. '' ) which would allow only GT to access my credit report for a limited period of time ( another {$5.00} XXXX charge ). Green Tree was not able to use XXXX Access Code. There is no place to enter a code into GT 's system. XXXX, Loss Mitigation Dept., claims she has real time access to XXXX data, however, XXXX does not sign directly into XXXX credit system and can not enter the XXXX Access Code. I was instructed by XXXX that I would have to completely remove all Security freezes before they can access my data since she has no way to enter the XXXX Access Code. XXXX was informed there would be another {$5.00} charge to completely remove the freeze and another {$5.00} to invoke the freeze again. XXXX said that was the only way she could pull my credit. Although I did not want to open my credit information up for all inquiries because of my PII security being breached, there appeared to be no other option if GT was to continue with the Loan Modification process. After I initiated the complete security freeze lift with XXXX, GT still could not access my credit. XXXX 's supervisor told her she would have to wait until the next day to determine if they can access my credit. XXXX told me the entire Loan Modification would be on hold until she can pull my credit report. It appears GT does not have real time access to XXXX credit data although when XXXX was questioned, she said several times that she did have real time access. It appears that GT is batch loading credit data into GT 's system via overnight computer run. This has added at least XXXX days to processing my Loan Modification. A foreclosure sale is in less then a week. GT has forced me to abandon my prudent security measures making me vulnerable for additional fraud, and they still can not access my credit.","date_sent_to_company":"2015-08-13T14:09:25.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"210XX","tags":null,"has_narrative":true,"complaint_id":"1516430","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2015-08-12T14:04:44.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX, Loss Mitigation Dept., claims she has <em>real</em> time access to XXXX data, however, XXXX does not sign directly into XXXX <em>credit</em> system and can not enter the XXXX Access Code. I was instructed by XXXX that I would have to completely <em>remove</em> all <em>Security</em> freezes before they can access my data since she has no way to enter the XXXX Access Code. XXXX was informed there would be another {$5.00} charge to completely <em>remove</em> the freeze and another {$5.00} to invoke the freeze again."]},"sort":[13.121914,"1516430"]},{"_index":"complaint-public-v1","_id":"6320202","_score":13.115285,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I'm an XXXXXXXX XXXX XXXX. Experian credit reporting company is deliberately putting false social security numbers on my credit report that is causing great harm for me to get a new home! On XX/XX/XXXX, I reported a fraudulent social security number on my credit file to Experian! This is like the XXXX time sunce XXXX! CSR with Experian stated the fraudulent social security number was on my account since XXXX! I just was made aware of this fraud social security number when it appeared on my Experian app in XXXX. \n\nTheir employee discriminated against me by leaving the fraudulent social security number on my credit report and removing my real social number! They did this deliberately because I am XXXX XXXX. I made repeated calls for this to be fix and each and every time Experian left the fraudulent social security number on my credit file! And refused to remove it! \n\nI requested Experian to remove my full middle name from my file because I do not like the name! I requested they use only my middle initial! They have refused to correct this! I do not want Lenders or creditors to know my full middle name. \n\nThis discrimination has been ongoing with Experian! Their discrimination and racism towards me has caused me great financial harm! Now with this fraudulent social security number they placed on my credit report us causing me to become homeless! I am un the process of moving and the fraud on my credit file is the cause of this! I spoke to Experian since XX/XX/XXXX to remove the fraud social security number! Instead the left the fraud social security number and removed my actual and valid social security number! This was done deliberately because I am an XXXXXXXX XXXX XXXX! Please help me be compensated for this ongoing discrimination by Experian.","date_sent_to_company":"2022-12-15T02:35:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"6320202","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-12-15T02:08:41.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Their employee discriminated against me by leaving the fraudulent social <em>security</em> number on my <em>credit</em> <em>report</em> and <em>removing</em> my <em>real</em> social number! They did this deliberately because I am XXXX XXXX. I made repeated calls for this to be fix and each and every time Experian left the fraudulent social <em>security</em> number on my <em>credit</em> file! And refused to <em>remove</em> it! \n\nI requested Experian to <em>remove</em> my full middle name from my file because I do not like the name!"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.115285,"6320202"]},{"_index":"complaint-public-v1","_id":"3586161","_score":13.024435,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me.","date_sent_to_company":"2020-03-30T21:44:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"720XX","tags":null,"has_narrative":true,"complaint_id":"3586161","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-03-30T21:44:34.000Z","state":"AR","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":["For years I been wondering why my <em>credit</em> has never been consistent. I never in a million years would of thought that someone else was using my name and social <em>security</em> number to open fraudulent accounts. I pulled my <em>credit</em> and there were many accounts open under my name. It is a <em>real</em> upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please <em>remove</em> these accounts from my <em>report</em>. They do not belong to me."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.024435,"3586161"]},{"_index":"complaint-public-v1","_id":"3581782","_score":13.024435,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were several accounts open under my name. It is a real upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to us.","date_sent_to_company":"2020-03-26T19:44:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72113","tags":null,"has_narrative":true,"complaint_id":"3581782","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-03-26T19:35:39.000Z","state":"AR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["For years I been wondering why my <em>credit</em> has never been consistent. I never in a million years would of thought that someone else was using my name and social <em>security</em> number to open fraudulent accounts. I pulled my <em>credit</em> and there were several accounts open under my name. It is a <em>real</em> upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please <em>remove</em> these accounts from my <em>report</em> as soon as possible. They do not belong to us."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.024435,"3581782"]},{"_index":"complaint-public-v1","_id":"3586163","_score":12.996681,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me.","date_sent_to_company":"2020-03-30T21:44:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"720XX","tags":null,"has_narrative":true,"complaint_id":"3586163","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-03-30T21:44:34.000Z","state":"AR","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":["For years I been wondering why my <em>credit</em> has never been consistent. I never in a million years would of thought that someone else was using my name and social <em>security</em> number to open fraudulent accounts. I pulled my <em>credit</em> and there were many accounts open under my name. It is a <em>real</em> upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please <em>remove</em> these accounts from my <em>report</em>. They do not belong to me."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.996681,"3586163"]},{"_index":"complaint-public-v1","_id":"3581767","_score":12.991504,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were several accounts open under my name. It is a real upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to us.","date_sent_to_company":"2020-03-26T19:45:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72113","tags":null,"has_narrative":true,"complaint_id":"3581767","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-03-26T19:45:06.000Z","state":"AR","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":["For years I been wondering why my <em>credit</em> has never been consistent. I never in a million years would of thought that someone else was using my name and social <em>security</em> number to open fraudulent accounts. I pulled my <em>credit</em> and there were several accounts open under my name. It is a <em>real</em> upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please <em>remove</em> these accounts from my <em>report</em> as soon as possible. They do not belong to us."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.991504,"3581767"]},{"_index":"complaint-public-v1","_id":"3586156","_score":12.970632,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me.","date_sent_to_company":"2020-03-30T21:44:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"720XX","tags":null,"has_narrative":true,"complaint_id":"3586156","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-03-30T21:13:08.000Z","state":"AR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["For years I been wondering why my <em>credit</em> has never been consistent. I never in a million years would of thought that someone else was using my name and social <em>security</em> number to open fraudulent accounts. I pulled my <em>credit</em> and there were many accounts open under my name. It is a <em>real</em> upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please <em>remove</em> these accounts from my <em>report</em>. They do not belong to me."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.970632,"3586156"]},{"_index":"complaint-public-v1","_id":"3581792","_score":12.970632,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were several accounts open under my name. It is a real upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to us.","date_sent_to_company":"2020-03-26T19:45:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72113","tags":null,"has_narrative":true,"complaint_id":"3581792","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-03-26T19:45:06.000Z","state":"AR","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":["For years I been wondering why my <em>credit</em> has never been consistent. I never in a million years would of thought that someone else was using my name and social <em>security</em> number to open fraudulent accounts. I pulled my <em>credit</em> and there were several accounts open under my name. It is a <em>real</em> upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please <em>remove</em> these accounts from my <em>report</em> as soon as possible. They do not belong to us."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.970632,"3581792"]},{"_index":"complaint-public-v1","_id":"4983587","_score":12.965414,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are 2 accounts listed on my credit report that I want removed asap. I tried before and the response was that I hired a credit repair. This is crazy. I didn't hire anybody. I just know my consumer rights. The company is violating my consumer rights. I have several violations. The first one is 1681a If a transaction was authorized by your social security card, the real credit card first defined in truth and lending act, this transaction must be excluded from your consumer report. The FCRA also defined a credit card as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This definition makes my social security card a credit card. The accounts was authorized by my social security card, a credit card and must be excluded from my consumer report. The two accounts are as follows XXXX XXXX XXXXXXXX opened XX/XX/2021 the account is closed and paid in full with no late payments. I demand that they erase this account. \nXXXX XXXX opened XX/XX/2021. This is not my account, and the company told me it was verified by my social security number. I demand that this account be removed.","date_sent_to_company":"2021-12-08T08:05:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72118","tags":null,"has_narrative":true,"complaint_id":"4983587","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-12-08T02:56:51.000Z","state":"AR","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":["There are 2 accounts listed on my <em>credit</em> <em>report</em> that I want <em>removed</em> asap. I tried before and the response was that I hired a <em>credit</em> repair. This is crazy. I didn't hire anybody. I just know my consumer rights. The company is violating my consumer rights. I have several violations. The first one is 1681a If a transaction was authorized by your social <em>security</em> card, the <em>real</em> <em>credit</em> card first defined in truth and lending act, this transaction must be excluded from your consumer <em>report</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.965414,"4983587"]},{"_index":"complaint-public-v1","_id":"8878207","_score":12.935904,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX just put a hard inquiry on my TransUnion credit report when I applied for the credit card it was for a business credit card I also gave them my XXXX number I had no intentions for them using my real social security number as a way of seeing how my credit is when I use my XXXX number for my business which has its own identity and credit line can you please have them remove this from my hard inquiries","date_sent_to_company":"2024-04-29T02:57:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"436XX","tags":null,"has_narrative":true,"complaint_id":"8878207","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-29T02:52:10.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["XXXX just put a hard inquiry on my TransUnion <em>credit</em> <em>report</em> when I applied for the <em>credit</em> card it was for a business <em>credit</em> card I also gave them my XXXX number I had no intentions for them using my <em>real</em> social <em>security</em> number as a way of seeing how my <em>credit</em> is when I use my XXXX number for my business which has its own identity and <em>credit</em> line can you please have them <em>remove</em> this from my hard inquiries"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[12.935904,"8878207"]},{"_index":"complaint-public-v1","_id":"3782244","_score":12.847148,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX","date_sent_to_company":"2020-08-06T16:03:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72204","tags":null,"has_narrative":true,"complaint_id":"3782244","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-08-06T15:47:45.000Z","state":"AR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["For years I been wondering why my <em>credit</em> has never been consistent. I never in a million years would of thought that someone else was using my name and social <em>security</em> number to open fraudulent accounts. I pulled my <em>credit</em> and there were so many accounts open under my name. It is a <em>real</em> upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please <em>remove</em> these accounts from my <em>report</em> as soon as possible. They do not belong to me."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.847148,"3782244"]},{"_index":"complaint-public-v1","_id":"3782236","_score":12.847148,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX","date_sent_to_company":"2020-08-06T16:03:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72204","tags":null,"has_narrative":true,"complaint_id":"3782236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-06T16:03:33.000Z","state":"AR","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":["For years I been wondering why my <em>credit</em> has never been consistent. I never in a million years would of thought that someone else was using my name and social <em>security</em> number to open fraudulent accounts. I pulled my <em>credit</em> and there were so many accounts open under my name. It is a <em>real</em> upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please <em>remove</em> these accounts from my <em>report</em> as soon as possible. They do not belong to me."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.847148,"3782236"]},{"_index":"complaint-public-v1","_id":"3712008","_score":12.830168,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.","date_sent_to_company":"2020-06-23T18:33:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72113","tags":null,"has_narrative":true,"complaint_id":"3712008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-06-23T18:33:45.000Z","state":"AR","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":["For years I been wondering why my <em>credit</em> has never been consistent. I never in a million years would of thought that someone else was using my name and social <em>security</em> number to open fraudulent accounts. I pulled my <em>credit</em> and there were so many accounts open under my name. It is a <em>real</em> upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please <em>remove</em> these accounts from my <em>report</em> as soon as possible. They do not belong to me."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.830168,"3712008"]},{"_index":"complaint-public-v1","_id":"3712006","_score":12.830168,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.","date_sent_to_company":"2020-06-23T18:33:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72113","tags":null,"has_narrative":true,"complaint_id":"3712006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-06-23T18:29:12.000Z","state":"AR","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":["For years I been wondering why my <em>credit</em> has never been consistent. I never in a million years would of thought that someone else was using my name and social <em>security</em> number to open fraudulent accounts. I pulled my <em>credit</em> and there were so many accounts open under my name. It is a <em>real</em> upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please <em>remove</em> these accounts from my <em>report</em> as soon as possible. They do not belong to me."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.830168,"3712006"]},{"_index":"complaint-public-v1","_id":"3782235","_score":12.819327,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX","date_sent_to_company":"2020-08-06T16:03:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72204","tags":null,"has_narrative":true,"complaint_id":"3782235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-08-06T16:03:33.000Z","state":"AR","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":["For years I been wondering why my <em>credit</em> has never been consistent. I never in a million years would of thought that someone else was using my name and social <em>security</em> number to open fraudulent accounts. I pulled my <em>credit</em> and there were so many accounts open under my name. It is a <em>real</em> upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please <em>remove</em> these accounts from my <em>report</em> as soon as possible. They do not belong to me."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.819327,"3782235"]},{"_index":"complaint-public-v1","_id":"3712009","_score":12.819327,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.","date_sent_to_company":"2020-06-23T18:33:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72113","tags":null,"has_narrative":true,"complaint_id":"3712009","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-06-23T18:33:45.000Z","state":"AR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["For years I been wondering why my <em>credit</em> has never been consistent. I never in a million years would of thought that someone else was using my name and social <em>security</em> number to open fraudulent accounts. I pulled my <em>credit</em> and there were so many accounts open under my name. It is a <em>real</em> upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please <em>remove</em> these accounts from my <em>report</em> as soon as possible. They do not belong to me."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.819327,"3712009"]},{"_index":"complaint-public-v1","_id":"3733774","_score":12.814139,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.","date_sent_to_company":"2020-07-07T21:21:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72034","tags":null,"has_narrative":true,"complaint_id":"3733774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-07-07T21:18:30.000Z","state":"AR","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":["For years I been wondering why my <em>credit</em> has never been consistent. I never in a million years would of thought that someone else was using my name and social <em>security</em> number to open fraudulent accounts. I pulled my <em>credit</em> and there were so many accounts open under my name. It is a <em>real</em> upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please <em>remove</em> these accounts from my <em>report</em> as soon as possible. They do not belong to me."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.814139,"3733774"]},{"_index":"complaint-public-v1","_id":"3334547","_score":12.792369,"_source":{"product":"Debt collection","complaint_what_happened":"I pulled my credit reports a few months ago. I noticed that this company reported some debt that does not belong to me. I have disputed this debt thru the credit bureaus and it came back as verified. I filed some identity theft reports with the FTC, I filed a fraud affidavit with this company and have emailed to their collection manager XXXX XXXX and I have yet to hear anything about this. I have also contacted the credit bureaus to put a security freeze on my reports as well. I also found out that this company has this on my credit report but this debt does not even match my social security number, my social security ends in XXXX they have it listed ending in XXXX. I have also noticed on my credit reports that it states XXXX is reported as a variation of my real social security number and this company is the cause of this. so how in the world its listed on my credit reports. This is my LAST STEP in getting this resolved and removed. My very next step is to file a lawsuit. I take my credit seriously and this matter has not been resolved yet and I am furious.","date_sent_to_company":"2019-08-09T13:08:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77054","tags":null,"has_narrative":true,"complaint_id":"3334547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2019-08-09T12:52:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I also found out that this company has this on my <em>credit</em> <em>report</em> but this debt does not even match my social <em>security</em> number, my social <em>security</em> ends in XXXX they have it listed ending in XXXX. I have also noticed on my <em>credit</em> <em>reports</em> that it states XXXX is <em>reported</em> as a variation of my <em>real</em> social <em>security</em> number and this company is the cause of this. so how in the world its listed on my <em>credit</em> <em>reports</em>. This is my LAST STEP in getting this resolved and <em>removed</em>."],"company":["National <em>Credit</em> Systems,Inc."]},"sort":[12.792369,"3334547"]},{"_index":"complaint-public-v1","_id":"4090573","_score":12.790174,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XXXX I noticed on my credit report that there was an unauthorized inquiry from Capital One for their Cabella 's credit card. I spoke with their credit application fraud department and their representative verified that someone had fraudulently used my social security number, name and birthday with a XXXX, California address in an attempt to obtain credit. The representative stated that she would notify the credit reporting agencies to remove the fraudulent inquiry from my report and it could take up to 30 days. There is a \" real name '' fraud alert on my account because of this, however, the fraudulent inquiry is still there.","date_sent_to_company":"2021-01-24T05:31:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"63640","tags":null,"has_narrative":true,"complaint_id":"4090573","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-01-24T05:24:19.000Z","state":"MO","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["The representative stated that she would notify the <em>credit</em> <em>reporting</em> agencies to <em>remove</em> the fraudulent inquiry from my <em>report</em> and it could take up to 30 days. There is a \" <em>real</em> name '' fraud alert on my account because of this, however, the fraudulent inquiry is still there."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[12.790174,"4090573"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1220,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1220}]}},"product":{"doc_count":1220,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":581,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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