Datasets:
Date received
stringclasses 53
values | Product
stringclasses 3
values | Sub-product
stringclasses 6
values | Issue
stringclasses 22
values | Sub-issue
stringclasses 69
values | Consumer complaint narrative
stringlengths 37
31k
| Company public response
stringclasses 9
values | Company
stringclasses 237
values | State
stringclasses 55
values | ZIP code
stringlengths 5
5
| Tags
stringclasses 3
values | Consumer consent provided?
stringclasses 1
value | Submitted via
stringclasses 1
value | Date sent to company
stringclasses 53
values | Company response to consumer
stringclasses 4
values | Timely response?
stringclasses 2
values | Consumer disputed?
float64 | Complaint ID
int64 10.6M
11.3M
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MS | 387XX | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,863,748 |
12/10/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Wells Fargo Mediation Program Administrator XXXX XXXX XXXX XXXX, OR XXXX Tracking Number : XXXX Wells Fargo Case Number : XXXX Dear XXXX, I am writing to confirm my acceptance of the enclosed offer of {$850.00}, along with 2 years of credit protection. I have left two voicemails informing you of my decision. Additionally, I spoke with XXXX in your department, who mentioned he would notify you as well. I understand that there is nothing further required from my end.
Thank you for your assistance. Please expedite the payment process so we can close this matter.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX From : XXXX XXXX XXXX Sent : Saturday, XX/XX/year> XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : WF MEDIATION/FRAUD COMPLAINT Dear Wells Fargo Executive Office, I am contacting you to express my ongoing concerns regarding an unresolved matter involving your team . This year alone, I have received more than a dozen mediation letters, all of which I have addressed in a timely manner. After many attempts to seek clarification, I was finally able to speak with XXXX. Regrettably, my previous interactions with your staff were frequently met with unprofessionalism and inadequate assistance.
XXXX informed me that the accounts in question are attributed to me. However, I have shared account numbers with your representatives that I do not recognize. As your calls are recorded, this can be corroborated. I conveyed the distress I have experienced due to persistent delays and the failure to adhere to established timelines.
Furthermore, I have been erroneously informed that I possess debts that are not mine. This issue has persisted, with your office indicating receipt of my complaint and a need for additional time to respond. Nevertheless, I have not received any further communication despite my follow-up efforts. For your convenience, I have attached copies of several letters I have received.
I respectfully request that this matter be resolved promptly, that the mediation be corrected, and that an appropriate offer be issued within the designated timeframe to expedite the resolution of these urgent issues.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX From : XXXX XXXX Sent : Tuesday, XX/XX/year> XXXX XXXX To : XXXX XXXX Cc : XXXX, XXXX XXXX Subject : We need more time to respond to your concerns Wells Fargo logo Wells Fargo case number : XXXX Account number ending in : XXXX Dear XXXX XXXX XXXX XXXX Thank you for contacting us. We hoped to respond by XX/XX/year>. However, we need more time to complete our research.
Whats next Well follow up with you by XX/XX/year>. If we need more time, well let you know.
Were here to help We appreciate the time and effort you took to contact us. If you have questions, you may reach us at XXXX, Monday through Friday from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. We accept telecommunications relay service calls.
If there is an attachment to this email and you can not read it, please contact us.
Sincerely, XXXX XXXX.
Escalations Representative Enterprise Complaints Management Office XXXX XXXX XXXX XXXX XXXX SD XXXX For security reasons, please do not respond to this email with any personal or account information.
This message may contain confidential and/or privileged information. If you are not the addressee or authorized to receive this for the addressee, you must not use, copy, disclose, or take any action based on this message or any information herein. If you have received this message in error, please advise the sender immediately by reply email and delete this message. Thank you for your cooperation.
XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 93065 | null | Consent provided | Web | 12/10/24 | Closed with explanation | Yes | null | 11,096,972 |
12/11/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Complaint Summary : I am filing this complaint due to the failure of the creditor or collection agency to validate the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and other applicable federal laws, including the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). Despite multiple written requests for validation, the requested documentation has not been provided. Furthermore, my affidavit of loan denial remains unrebutted, confirming the validity of my claims under law. The accounts in question have also been listed as charged-off, further compounding the violations of federal law. Additionally, this is not the first time a complaint of this nature has been filed for these accounts. An opt-out request was initiated months ago, yet these accounts are still being reported, in direct violation of federal law.
Moreover, the creditor/collector unlawfully repossessed my vehicle despite being issued three notices of rescission to rescind the security interest. The repossession was conducted while a
cease-and-desist order and billing error notice were in effect, violating multiple federal statutes, including FDCPA, TILA, and FCRA protections.
Details of the Issue : Failure to Validate Debt : Multiple requests were made for a full accounting and validation of the alleged debt. These included requests for proof of the original agreement, assignment documentation, an itemized accounting of charges, and evidence of legal entitlement to collect the debt.
No substantive response has been received, and the creditor/collector has failed to provide documentation demonstrating compliance with FDCPA, TILA, and FCRA requirements.
Unrebutted Affidavit : A sworn affidavit was submitted, outlining specific points that remain unrebutted, including claims regarding the funding and securitization of the account. Under legal standards, this unrebutted affidavit stands as truth, further invalidating the alleged debt.
Charged-Off Accounts : The accounts in question have been listed as charged-off, despite the lack of validation and the presence of a billing error. By charging off the accounts, the creditor/collector has attempted to remove themselves from liability while continuing to report negatively on my credit report. This constitutes a violation of 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of a debt.
Violation of Cease-and-Desist Order : A formal cease-and-desist req
uest was issued regarding collection activities due to the billing error and lack of validation. Despite this, the creditor/collector continued to report negatively, charged off the debt, failed to correct the billing error, and unlawfully repossessed my vehicle.
Ignored Notices of Rescission : Three notices of rescission were sent to the creditor/collector, rescinding the security interest in the vehicle. The company failed to comply with these notices and proceeded to repossess the vehicle in violation of TILA ( 15 U.S.C. 1635 ) and Regulation Z requirements for rescission.
Unlawful Repossession of Vehicle : The repossession was conducted while the account was under dispute and subject to a billing error notice. This action violated multiple federal statutes, including FDCPA, TILA, and the Uniform Commercial Code ( UCC ).
Opt-Out Request Ignored : An opt-out request was initiated months ago, yet these accounts continue to be reported on my credit file. This failure to honor the opt-out request is a violation of federal law, including provisions of the Fair Credit Reporting Act ( FCRA ).
Repeat Complaints : This is not the first complaint filed for these accounts. The ongoing failure to address the underlying issues demonstrates willful non-compliance with federal consumer protection laws.
Reporting and Collection Activities : The account has been reported to credit bureaus with late payments and delinquencies, despite the unresolved billing disputes, lack of validation, opt-out request, cease-and-desist order, and unlawful repossession of the vehicle. This violates FCRA requirements ( 15 U.S.C. 1681s-2 ( b ) ) to ensure accurate reporting and cease collection efforts during disputes.
Violation of Consumer Rights : Failure to adhere to FDCPA, TILA, and FCRA mandates constitutes an infringement of my consumer rights, including protections against unfair and deceptive practices.
Proof That Servicers and Creditors Are Debt Collectors Under Legal Definitions : Servicers as Debt Collectors : Under 15 U.S.C. 1692a ( 6 ), a debt collector is defined as " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. '' Mortgage servicers, loan servicers, and other creditors are considered debt collectors when they acquire a debt that is already in default. This was reinforced in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ), where the court held that servicers who obtain accounts in default are subject to FDCPA requirements.
Creditors as Debt Collectors : Creditors may also qualify as debt collectors if they regularly attempt to collect debts on behalf of third parties or if the debts were assigned after default.
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) clarifies that even entities collecting their own debts must comply with FDCPA provisions if the debt was in default at the time of acquisition.
Hybrid Roles of Servicers and Creditors : Servicers often act as third-party agents for creditors, making them subject to FDCPA when engaged in debt collection activities. XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX determined that even loss mitigation communications can qualify as debt collection under FDCPA.
Further Legal Support for Claims : FDCPA Violations : Pursuant to 15 U.S.C. 1692g, creditors or collectors must validate debts upon written request. Failure to do so, while continuing collection efforts, constitutes a clear violation.
Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) emphasizes that debt collectors must provide
adequate validation of the debt upon request. FCRA Violations : Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information are required to conduct a reasonable investigation into disput
ed accounts and must not report inaccurate information. Reporting disputed amounts as delinquent or charging off accounts during a billing error investigation violates federal law.
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ruled that collection activities during billing disputes are prohibited.
TILA Protections : According to 15 U.S.C. 1666 and 12 C.F.R. 1026.13 ( d ) ( 1 ), billing disputes must be resolved before collection, adverse reporting, charge-offs, or repossession can occur.
Requested Resolution : Adjust the account balance to reflect a zero balance due to the creditor/collectors inability to validate the debt.
Remove all associated late payments, delinquencies, or negative marks from my credit report.
Reverse the charge-off status of the accounts.
Reinstate possession of the unlawfully repossessed vehicle.
Provide all documentation requested in the debt validation submissions to confirm compliance with applicable laws.
Issue a formal acknowledgment of non-compliance with statutory requirements and cease any further collection activities related to this account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | UNITED SERVICES AUTOMOBILE ASSOCIATION | NC | 28625 | Servicemember | Consent provided | Web | 12/11/24 | Closed with explanation | Yes | null | 11,114,266 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33705 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,851,561 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : **Dispute of Debt Account XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt you are attempting to collect under the account number referenced above. I have reviewed my records and do not believe that I owe this debt, or the amount you are claiming.
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following documentation to verify the debt : XXXX. A copy of the original contract or agreement associated with this debt.
XXXX. The name and address of the original creditor.
XXXX. A complete history of the debt, including dates and amounts, showing how the current balance has been calculated.
XXXX. Any additional evidence of my liability for this debt.
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Please be advised that until this information is provided, I consider this debt disputed, and I request that you cease all collection activities. You are also required by law to report this dispute to the credit reporting agencies, if applicable.
I would appreciate a response within XXXX days of receiving this letter. If you do not provide the necessary documentation or if you continue to pursue this debt without verification, I will consider taking further action, including reporting this matter to the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General.
Please send all correspondence regarding this matter to the address listed above.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23513 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,857,551 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | " I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
" | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 18062 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,857,670 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to notify you that I have been a victim of identity theft stemming from a data breach. Unauthorized accounts and credit inquiries have been reported on my credit file without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | XXXXX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,864,466 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I couldnt believe my eyes when I saw incorrect accounts on my credit report this morningit felt completely out of nowhere. My routine checks have never revealed discrepancies before. I refreshed the page, but the errors remained. Im requesting a thorough examination of my documents to ensure Im no longer plagued by this issue. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75154 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,846,186 |
11/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | " The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.
I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
" | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60628 | null | Consent provided | Web | 11/06/24 | Closed with non-monetary relief | Yes | null | 10,717,070 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KS | 673XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,861,429 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.
XXXX XXXX XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting.
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting.
XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting.
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting.
XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting.
XXXX XXXXXXXX XXXX The following inquiry was not authorized and should not be reporting. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33125 | null | Consent provided | Web | 11/21/24 | Closed with explanation | Yes | null | 10,851,991 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30097 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,702,011 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32962 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,852,134 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | DE | 19709 | null | Consent provided | Web | 11/21/24 | Closed with explanation | Yes | null | 10,861,044 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | ACCOUNT : XXXX XXXX After I received correspondence from your agency, it stated that the accounts I disputed were verified by your agency. Pursuant to 15 U.S. Code 1681i ( a ) 1 ( a ), I am demanding that your agency perform a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the status of the disputed information.
Pursuant to 15 USC 1681e ( b ) please complete this inaccurate account or delete it from my consumer reports.
The Law Cleary States : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
I DO NOT consent to any E-OSCAR verification as this method is not reliable or lawful, according to the standards set for by the FCRA.
I am requesting that you validate the following items non-electronically, by performing a reasonable and FAIR re-investigation : Please provide the following details of the methods by which you verified these accounts : a. Identity and position of the representative contacted?
b. Date, duration, and substance of the conversation?
c. Contact details utilized?
d. Identity, position, and tenure of your company 's employees involved?
e. Details of formal training imparted to said employee?
f. Copies of all written correspondence?
Your agency also seems to be in violation of non-compliance and negligent non-compliance with being in direct violation or the following laws : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
These are now multiple attempts to handle this matter privately. If these accounts keep getting verified by a faulty e-Oscar system when I know these accounts are erroneous and destroying my credit worthiness, I will in fact sue your agency for the maximum monetary damages that the FCRA allows.
Your agency has less than XXXX days to respond with a fair reasonable re-investigation or I will have no choice but to seek legal action. This investigation must be validated by the information that I have listed above. If the information is not validated, then it must be deleted immediately from my consumer report! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 488XX | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,863,794 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I have identified several items on my credit report that I do not recognize, suggesting that my identity may have been compromised. I did not authorize these accounts, and I have previously reported this issue. I am now requesting the immediate removal of these unauthorized accounts from my report. Their presence is causing me considerable distress and does not accurately reflect my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unresolved, I am prepared to take legal action to protect my rights. These inaccuracies are significantly impacting my ability to reach important financial goals, such as purchasing a home and supporting my family. I trust we can resolve this promptly. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 48135 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,714,217 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33901 | null | Consent provided | Web | 11/21/24 | Closed with explanation | Yes | null | 10,850,579 |
11/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate.
I, XXXX XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter.
Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30309 | null | Consent provided | Web | 11/06/24 | Closed with non-monetary relief | Yes | null | 10,696,977 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60402 | null | Consent provided | Web | 11/20/24 | Closed with explanation | Yes | null | 10,855,596 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | " The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.
I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
" | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77583 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,855,264 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | " I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. '' | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30809 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,862,312 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX.
Account Name : XXXX Account Name : XXXX and list of Inquiries 15 U.S.C XXXX section XXXX A. States I have the right to privacy.
15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.
15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30032 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,862,650 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.
15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.
15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 600XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,867,088 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30294 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,863,689 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77396 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,866,475 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NM | 87112 | null | Consent provided | Web | 11/20/24 | Closed with explanation | Yes | null | 10,865,772 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion.
Please delete the following account XXXX XXXX XXXX : {$0.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11411 | null | Consent provided | Web | 11/20/24 | Closed with explanation | Yes | null | 10,865,823 |
12/16/24 | Credit card | General-purpose credit card or charge card | Problem with a company's investigation into an existing problem | Problem with personal statement of dispute | According to their records, there was an account fraudulently opened with my information on XX/XX/year>. When I saw the account on my credit report I reached out to report fraud immediately. I was originally told that the account would be deleted because some of the information did not match mine, but it never happened. After many disputes and signing a form to declare fraud, they did close the account, but did not delete it and they continue to report late payments. I am just looking for the deletion I was originally told I would receive for the fraud. | Company believes it acted appropriately as authorized by contract or law | Atlanticus Services Corporation | AL | 365XX | null | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,180,054 |
12/03/24 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | I received an email from my student loan service or telling me that I had interest due. Despite the fact that according to all contracts and information that I have received through official channels. They're even messier than before. | Company believes it acted appropriately as authorized by contract or law | MOHELA | PA | 194XX | null | Consent provided | Web | 12/03/24 | Closed with explanation | Yes | null | 11,002,194 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77077 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,691,857 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10467 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,676,861 |
11/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I was victimized by id theft, I did not authorize anyone to use my information, I have filed a police report, an identity theft report, and have mailed it to the credit bureaus. I called the credit bureaus and ask that fraudulent information be removed and it was denied. XXXX would not even remove the invalid personal information like addresses and SSNs etc. The following accounts are fraudulent XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX have not given these companies permission to use my credit and it was not authorized and i did not benefit, I have tried to work with the credit bureaus to no avail. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MS | 388XX | null | Consent provided | Web | 11/06/24 | Closed with non-monetary relief | Yes | null | 10,715,567 |
12/03/24 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | On XX/XX/year> I received an interest accrual notification, I am on the XXXX Plan, there should be no interest accruing at this time due to pending litigation and the fact the interest rate is 0 %. | Company believes it acted appropriately as authorized by contract or law | MOHELA | GA | 306XX | null | Consent provided | Web | 12/03/24 | Closed with explanation | Yes | null | 10,989,287 |
11/26/24 | Credit card | General-purpose credit card or charge card | Fees or interest | Charged too much interest | On XX/XX/XXXX, I fully paid my Bank Of America credit card account. On XX/XX/XXXX, Bank of America charged me {$170.00} interest on a fully paid account. By the way, I paid Bank Of America the amount they listed to pay the account balance. There was no option other than to pay the total account balance.
I called and asked for that interest charge to be removed and was told that they would respond in a couple of days. On XX/XX/XXXX, I was sent an email saying the request was denied. No reason was given, other than saying the decision was final.
I feel it is pretty rotten of a company to charge me {$170.00} on a FULLY PAID account and then not even bother to give me a valid reason why the request was denied.
I've been a Bank of America customer for over 10 years and this really frustrates me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | WI | 546XX | null | Consent provided | Web | 11/26/24 | Closed with explanation | Yes | null | 10,933,033 |
12/19/24 | Credit card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | Us bank added Interest changes to my credit card for no XXXX reason I told them that I had wonted to cancel my credit card because they did that to me I sent letter 's in the mail telling that I guess they cant read I am mother XXXX XXXX off at them they sent me another bill today in mail adding more Interest and late fees they are hassing me and I wont it stop because I am not pay those XXXX XXXX any money XXXX them!!!!!!!!!!!!!!!!!!!!!!!!!!!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | TX | 77365 | null | Consent provided | Web | 12/19/24 | Closed with explanation | Yes | null | 11,222,334 |
11/26/24 | Credit card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Confusing or misleading advertising about the credit card | I have a Bank of America XXXX Visa. In XXXX of XXXX, I decided to accept BoA promotional offer of 0 % interest for a cash advance in the amount of XXXX. The 0 % promo rate ends on XX/XX/XXXX.
My credit limit is XXXX, and I have about XXXX in credit remaining, so I decided to use the card for monthly utilities ( {$200.00} ), that I would pay off that balance each month in order to avoid interest charges ( like I do on all my credit cards ).
I paid that month 's minimum payment on the promo balance of XXXX and an additional {$200.00} to cover the new non-promo charges in full. However, BoA still charged me {$4.00} interest charge ( that's 23.74 % interest ).
When I called to see if I could apply the payment to the new charges or get a refund BoA said no, not until I pay the promo balance in full. Payments can only be applied to the promo balance first, then to new charges. So now I am stuck with the new charges at 23.74 % until I pay the promo balance in XX/XX/XXXX. And I can no longer use the card until XX/XX/XXXX unless I want to pay 23.74 % interest on it!
This is predatory and misleading! It's designed to bilk interest out of customers even though they are using a 0 % interest promo! BoA needs to offer the payment options that allow monthly payment to be split so that minimum required can go to the promo balance, and the rest of the payment to the new charges, to avoid interest charges! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | FL | 33455 | Servicemember | Consent provided | Web | 11/26/24 | Closed with monetary relief | Yes | null | 10,937,393 |
12/19/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My personal information has been involved in XXXX XXXX | Company believes it acted appropriately as authorized by contract or law | Penn Credit Corporation | DE | 19720 | null | Consent provided | Web | 12/19/24 | Closed with explanation | Yes | null | 11,201,717 |
12/13/24 | Credit card | Store credit card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | Failed to show a tual correct delivery.
1- picture shown wrong apartment door where pa kage was left 2-failed to obfain signature and it was required.
Best Buy documents failed to show signature obtained, instead stated package was dropped off Please see attahed documents | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 902XX | Older American | Consent provided | Web | 12/13/24 | Closed with explanation | Yes | null | 11,140,500 |
12/23/24 | Credit card | Store credit card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | -XXXX XXXX XXXX I made a purchase from Best Buy ( # XXXX - XXXX XXXX XXXX XXXX XXXX DE XXXX ).
- I purchase XXXX XXXX XXXX for {$240.00} & opened a Best Buy store credit card. I wanted 12mo no-interest promotion, I had to spend {$290.00} so I purchased a cover for the XXXXXXXX XXXX XXXX XXXX set totaling {$330.00}. I have blocks on all 3 credit reporting agencies & spent 10min on the store phone verifying it was me opening the card & proceeded w/ purchase XXXX - XXXX weeks later, I received my physical credit card in mail, & it NEVER once left my home... I live alone, no one else has access to my cards nor do I associate with anyone that would do this.
- Approx. XX/XX/XXXX, I received a letter from Citibank Secutiry Services asking me to verify recent activity ( ref # XXXX ). I created my Best Buy account online & indeed there were XXXX unauthorized separate transactions that occurred from the Best Buy ( {$680.00}, {$93000.00}, {$490.00} & {$940.00} = {$3000.00} ). I called immediately & filed a claim.
- Dispute person would not provide any other details, they told me it was a purchase online, and weren't allowed to tell me what was purchased or where it was sent. However, in my online account I can see they purchased a computer and a bunch of software from the XXXX, DE location. Do they not have cameras????
- Fraud Dept closed my account ending in XXXX & reissued a new credit card/account ending in XXXX - My credit scores dropped SIGNIFICANTLY & I had no control over this. I continue to make payments on the amount I owe - XX/XX/XXXX, I received a credit adjustment to my account for the 4 transactions totaling {$3000.00}, signaling to me this is closed and done with.
- XX/XX/year> - I continue my pre-set auto-payments. New card ending in XXXX has been received & I have never activated to prevent further fradulent charges -XXXX XXXX Citibank emailed a notice that there is a letter to my online account w/ subject line Billing Dispute Resolved. I did not read it, because I thought this was settled because the money was credited back a month prior. My mistake.
XXXX XXXX XXXX XXXX notifies me of a SIGNIFICANT DROP in credit score AGAIN due to a Best Buy ccredit ard. Online account shows Ive been RECHARGED {$3000.00} & aformentioned letter says " The facts & /or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. '' - XX/XX/XXXX- I called Best Buy/Citibank fraud department immediately & was told I must submit a handwritten letter to reopen the dispute. No option to speak to a human, no online option, no timeline, nothing but insincere sympathy. I was provided this address : Best Buy Credit Card Services XXXX XXXX XXXX XXXX XXXX, SD XXXX.
XX/XX/XXXX- I filed a complaint in regards to Best Buy with XXXX and intended on filing against Citibank as well. However, that address provided doesn't exist which is strange ....
XX/XX/XXXX- So I called Best Buy/Citibank fraud depatment again to confirm this process of reopening my dispute and WAS in fact able to talk to someone directly to reopen the disptue so the first person completely lied. I was told I had to wait 30-60 days ( insanity ) for another resolution. I also asked this new representative to verify the XXXX XXXX XXXX if I WAS to send the letter they requested- and he said it did not exist. Lie number XXXX. He told me the appropriate address was XXXX XXXX XXXX XXXX XXXX, MO XXXX. So not even the same state. If I had sent this... .and relied on their ill informed reps, I would never have received a resolution. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | DE | 19802 | null | Consent provided | Web | 12/23/24 | Closed with monetary relief | Yes | null | 11,276,353 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am formally disputing the collection account reported by XXXX XXXX XXXX, also listed as XXXX XXXX XXXX, appearing on my credit report with XXXX, XXXX, and TransUnion. This account reflects an alleged debt of {$4300.00} with the original creditor listed as XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute the accuracy and validity of this account. I request that this account be removed and deleted entirely as it fails to meet the standards of verifiable and accurate reporting. Specifically, I demand validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires the collector to provide a signed contract or agreement that explicitly contains my full signature and Social Security number to establish the alleged obligation. Without such documentation, this account must be deemed unverifiable and removed. Furthermore, I request proof of assignment or transfer of this debt from XXXX XXXX to XXXX XXXX XXXX. In the absence of proper documentation, this collection is not legally enforceable, and its continued reporting violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy in their records. The discrepancies in the balance amounts ( e.g., {$4300.00} vs. {$4000.00} ) and the failure to provide closure or original agreement information further highlight inaccuracies. I assert that this account is inaccurate, unverifiable, and must be deleted immediately from my credit reports. Failure to do so may result in legal action, as continuing to report unverifiable or inaccurate information is a violation of my rights under the FCRA. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30331 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,857,619 |
12/13/24 | Credit card | General-purpose credit card or charge card | Fees or interest | Charged too much interest | Upon reviewing my account statements, I found excessive interest charges based on my account balance. I then went to my statements and found the APR charged higher than the agreement I signed when I opened the account.
My original account agreement from XXXX states : " The APR for purchases is the prime rate plus ( i ) 11.99 % for Account Type XXXX, ( ii ) 17.99 % for Account Type XXXX, or ( iii ) 20.99 % for Account Type XXXX. ".
As an account type XXXX, I should be charged : XXXX + the prime rate of 7.75 % = 28.74 %.
My account is being charged 32 %. I called to dispute this issue.
I was told that an updated agreement was sent to my inbox ( I never received this ), that increased my APR.
I requested to dispute this, and also to request a refund on the overcharge of interest. I was told that there is an option to opt out of the updated customer agreement from XXXX of this year ( I never received this updated agreement ), but that my acount would be closed if I chose to do so. They also denied my request for backpay.
While I find it absurd they can have a 32 % APR, I understand that comes with their updated agreement which I can opt out of. But I never received this agreement until 6 months after it came into affect, and never had the option to opt out in the first place. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | MD | 20910 | null | Consent provided | Web | 12/13/24 | Closed with explanation | Yes | null | 11,139,629 |
12/12/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | XXXX XXXX XXXX ( XXXX ) charge my credit card {$13000.00}. I purchased XXXX XXXX XXXX ( XXXX ) from Next in XX/XX/XXXX thru XX/XX/XXXX totaling ~ {$5200.00}. The insurance was paid in full in XX/XX/XXXX. After the insurance expired I obtained XXXX insurance from another carrier. Then 14 months later, in XX/XX/XXXX, without authorization, Next charged and additional {$13000.00} for " an incomplete WC audit. '' The transaction was not authorized nor involved a product or services. All requested accounting paperwork to complete the XXXX audit was sent to XXXX XXXX from XX/XX/XXXX thru XX/XX/XXXX, on XXXX separate occasions. I was informed by a representative in XXXX that the XXXX audit was completed in XXXX of XXXX.
I disputed the unauthorized charge immediately. The dispute went back forth for three months, with US Bank removing the charge twice. Then in XX/XX/XXXX, US Bank sided with XXXX XXXX and reinstated the unauthorized charge.
US Bank has refused to show any paperwork authorizing this charge. In addition, the reinstated charge went over my credit limit in excess of {$10000.00}.
US Bank refuses to remove the unauthorize charge. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | FL | 331XX | null | Consent provided | Web | 12/12/24 | Closed with explanation | Yes | null | 11,130,826 |
12/09/24 | Credit card | Store credit card | Other features, terms, or problems | Other problem | The AAFES MilitaryStar card its supposed to assist service members, but they are predatory lending one example and my main concern is I have had a return check fee assessed to my account but also with that return check fee they restricted me to only making payments by mail or going into a store and the closest store for me to make a payment is over 2 1/2 hours away and a check will not get there within the timeframe. Im supposed to make my payment and they told me that I have to make six consecutive online payments in order to get my ACH payment ability back, but in their terms and conditions it states nothing about having to make six payments or even getting your ACH payment revoked. Ive called several people and theyre not able to find it and they just get off the phone with me right away and tell me to look it up in the terms and conditions, and they cant provide any information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Army and Air Force Exchange Service | CA | 94568 | Servicemember | Consent provided | Web | 12/09/24 | Closed with explanation | Yes | null | 11,078,360 |
12/11/24 | Credit card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with cash advances | On XX/XX/XXXX, CitiBank transferred {$20000.00} from my Citi credit card account into my XXXX XXXX XXXXXXXX checking account. This was without my knowledge, and I have no idea how they got the information about my accounts. On XX/XX/XXXX I received the following email.
Dear XXXX, I am writing to inform you that I mistakenly transferred a sum of {$20000.00} to your XXXX XXXX XXXXXXXX account ending in XXXX on XX/XX/XXXX. This was a clear error and intended for a customer.
Please kindly let me know how soon you can help return the funds for me to send account information as soon as possible.
Thank you for your understanding and cooperation.
Sincerely, XXXX XXXX Bank Name : Citibank Address : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, IL XXXX.
( Remittance Director ) E-mail : XXXX I responded that this was up to the banks and I would not resolve it by text and email since it appears to be a scam.
I got more emails from XXXX including the following on XX/XX/XXXX.
I am sorry I have to report this. There is no way I can refund this when I am too sure you have it and don't want to refund it and will look at me losing my job and still being in debt. I filed a case with the FBI today ; the letter is in the attachment.
-- -- On Wed, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX wrote -- - This was a typo on my part, XXXX. I implore you to assist me as much as you can ; failing to do so may result in the loss of my job and further debt since I will be required to repay something I do not have. I implore you to assist me.
The FBI submittal is attached.
I never responded and I paid back the {$20000.00} but Citibank is charging me interest. I have called their security line 3 times, canceled the credit card account used, and have heard nothing back. I also submitted a summary to XXXX on XX/XX/XXXX, with no response or acknowledgement. I appreciate any help you can provide, I have spent too much time trying to get some sort of response out of CitiBank and hopefully you can get them to explain what they are doing and if this is a scam.
Thanks you and regards, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | GA | XXXXX | Older American | Consent provided | Web | 12/11/24 | Closed with non-monetary relief | Yes | null | 11,136,608 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number : XXXXXXXX XXXX XXXX Account Number : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KY | 40505 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,852,159 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
I demand the late payment reported in to be removed.
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
ALLY FINCL never sent the periodic statement along with the disclosures from section 1637 ( b ).
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Delete the late payments from my consumer reports | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75154 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,846,492 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CT | 066XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,852,240 |
11/25/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07112 | null | Consent provided | Web | 11/25/24 | Closed with non-monetary relief | Yes | null | 10,931,132 |
11/25/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these.
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90037 | null | Consent provided | Web | 11/25/24 | Closed with non-monetary relief | Yes | null | 10,931,633 |
11/25/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 31907 | null | Consent provided | Web | 11/25/24 | Closed with non-monetary relief | Yes | null | 10,931,067 |
12/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am writing you with this formal objection of claim ( XXXX ) as reported when reported and a demand for swift action on your part. You are non-compliantly reporting improperly to XXXX, XXXX, and damaging my credit.
You are suspected to be in transgression ( s ) from or of the FCRA ( Fair Credit Reporting Act ). The dishonorable behavior ( s ) might well be subject to fines and damages. I am providing you but this one last hope for resolution of this alleged credit circumstance.
Previously, I had sent you a letter advising you that you were inaccurately reporting. Additionally, in that request, I did assert your necessary requisite ( XXXX ) to modify appropriately my file. Due to your now obvious continued misreporting ( s ), albeit any all or each unfair and/or surely unethically non-compliantly reported, it implies that my sent notice was frustratingly slighted.
Please utilize the following KEY to explain markings on the images of below-shown items being contested : means REQUIRED ALWAYS ^ Required If Applies ~ Industry-Specific Required BSCF Base Segment Character Format HRCF Header Record XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment TRCF Trailer Record HRPF Header Record Packed Format BSPF Base Segment Packed Format XXXX Trailer Record Packed Format XXXX Data Furnisher # XXXX XXXX Data Furnisher # XXXX T XXXX XXXX stands for Not XXXX within Cra/and or is Unknown XXXX XXXXXXXX XXXX XXXX XXXX Missing but Required Reported XXXX Potential XXXX XXXX Inconsistent XXXX Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards XXXX Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX XXXX Credit Reporting Resource Guide FCRA Fair Credit Reporting Act Remove from Reporting now or correct as indicated so to not report any derogatory allegation ( XXXX ) versus me, each any and all negative aspects of the illegitimate claims following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX? -- -- XXXX High Balance : {$140.00} {$140.00} -- -- XXXX Last Verified : XXXX XX/XX/XXXX -- M -- -- XXXX Date of Last Activity : D XX/XX/XXXX I XX/XX/XXXX XXXX -- -- XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX -- -- XXXX Date Opened : XXXX XX/XX/XXXX I XX/XX/XXXX XXXX -- -- XXXX Balance Owed : XXXX {$140.00} XXXX {$140.00} XXXX $ -- XXXX Closed Date : D -- M -- M -- -- XXXX Account Rating : Q Derogatory Q Derogatory Q -- XXXX, XXXX, XXXX Account Description : Individual -- XXXX Dispute Status : Account not disputed Account not disputed -- Creditor Type : Other Collection Agencies XXXX Account Status : XXXX XXXX I Closed -- XXXX Payment Status : Collection/Chargeoff Collection/Chargeoff -- XXXX Creditor Remarks : Placed for collection -- M -- -- XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Past Due Amount : $ -- $ -- $ -- XXXX Account Type : D -- M -- M -- -- The currently reported I C SYSTEM with account number displayed as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report, shown as this information is NOT REPORTED on XXXX in this reported claim XXXX my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report.
Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a deviation from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and is lawfully questionable until evident confirmation of all aspects of claim ( XXXX ) are factually true, correct, complete, timely, physically verifiable, and otherwise undeniably valid, particularly if not certifiably compliant in full according to the above-mentioned XXXX XXXX formatted industry requirements.
With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | TX | 75050 | null | Consent provided | Web | 12/16/24 | Closed with non-monetary relief | Yes | null | 11,167,741 |
11/25/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29414 | null | Consent provided | Web | 11/25/24 | Closed with explanation | Yes | null | 10,928,664 |
11/25/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AR | 72113 | null | Consent provided | Web | 11/25/24 | Closed with non-monetary relief | Yes | null | 10,913,894 |
11/25/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | This account was charged off XX/XX/year> since then the account has repeatedly been updated as a charge off every month. This is an update in the payment history as a charge off every month. A charged off account should not include an active payment history this inaccuracy information falsely manipulates the statute of limitation you failed to investigate this account properly and youre in neglect has violated my rights. I am demanding a deletion of The following account.
XXXX XXXX XXXX ACCOUNT # XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10035 | null | Consent provided | Web | 11/25/24 | Closed with non-monetary relief | Yes | null | 10,913,222 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I Reviewed my consumer report and noticed that I had two payment on my account that I was never late for. The consumer reporting agency have assumed a vital role and has a responsibility to Report consumer information to the best of their ability with maximum accuracy.i I have never been late on my payments for the amount that I have included a screenshot of inside this complaint on data of XX/XX/year> please investigate and provide proof with a statement showing that these payments were late. If proof can't be provided I Demanded these payments be updated to be paid As agreed on time as they should be done to face I was never late. Thank you. Please see the screenshot attached. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34953 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,806,713 |
12/09/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I disputed entry re a debt. This debt should be deleted because it is over XXXX years old. The original debtor, PENfcu should have deleted this info on XXXX.
The XXXX XXXX XXXX should also have deleted this info from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | PENTAGON FEDERAL CREDIT UNION | DC | 20018 | Older American | Consent provided | Web | 12/09/24 | Closed with explanation | Yes | null | 11,088,304 |
11/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Upon review of my reports, i have noticed some late payments on an account that i was not late for. The consumer reporting agencies have a vital role and have responsibility to report consumer maximum accuracy to the best of their ability. I have never been late on the accounts that i included in screenshots inside this complaint on the dates of XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XX/XX/2024.
Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to PAID as agreed on time as they should be, do to never being late! Thank you please see screenshots attached! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90260 | null | Consent provided | Web | 11/06/24 | Closed with non-monetary relief | Yes | null | 10,716,353 |
12/18/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 90037 | null | Consent provided | Web | 12/18/24 | Closed with non-monetary relief | Yes | null | 11,208,601 |
12/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | Regarding the website credit.com : I received an email on XX/XX/year> at XXXX from XXXX regarding an account being opened in my name. That XXXX, at XXXX, I emailed the company to notify them that the account is fraudulent and to request deletion of the account. After going back and forth with a representative of the company, whose name appears as XXXX in the footer of the replies I received, they informed me they could take action only if I provided my DOB and the last four of my SSN ( they originally asked for much more information, like my home address and phone number ). I was, and still am, willing to provide those, but only over the phone, as email is a highly insecure method of communication and I have seen firsthand that and other information leak from emails in the past. Their representative replied that " we do not have phone support at this time so we're unable to provide you with a phone number, '' and they refuse to close the fraudulent account. I could give in and provide the information over email, but I have been negatively impacted by that in the past, and I don't believe that I should be forced to use only one method of communication, again an insecure one at that, to request closure of a fraudulent credit account. | Company believes the complaint provided an opportunity to answer consumer's questions | Progrexion Holdings, Inc. | TX | 75069 | null | Consent provided | Web | 12/06/24 | Closed with explanation | Yes | null | 11,056,275 |
11/23/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | All XXXX credit reporting agencies have my XXXX stindent loan on my credit report and its reporting a {$0.00} balance. Ive asked can this information be removed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30135 | null | Consent provided | Web | 11/23/24 | Closed with non-monetary relief | Yes | null | 10,910,622 |
11/24/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | RE : Notice of currently reported injurious claim ( s ) unproven yet to be factually and physically validated true, correct, complete, timely, and certifiably metro 2 format compliant! These claims are requested check for requisites and immediately removed from reporting so to ensure lawful compliant reporting of ONLY factually true correct complete timely validated and certified allegations!
To Whom It May Concern, This letter is to serve as my formal consumer complaint that you are now currently deficient in your reporting versus my credit profile history, undoubtedly in vile deficiency of documented and physically verifiable proof of fullness of truth, correctness, completeness, timeliness, demonstrated validity of claim and certifiable compliance of reporting, even as related to but not limited to the applicable laws and standards of the FCRA and FDCPA and especially in accordances of the mandatorily perfect and complete Metro 2 format reporting standard ( s ). Let it be known that I am quite puzzled that you have elected to include the following questionable if not outright erroneously reported injurious information versus me on my current credit report : | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76006 | null | Consent provided | Web | 11/24/24 | Closed with non-monetary relief | Yes | null | 10,914,406 |
11/12/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07108 | null | Consent provided | Web | 11/12/24 | Closed with non-monetary relief | Yes | null | 10,768,864 |
12/17/24 | Credit card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | USAA TOOK MY {$350.00} PAYMWNT AND APPLIED IT THEN NEVER REFLECTED IN THE BALANCE, I CALLED AND SPOKE WITH MULTIPLE SUPERVISORS REGARDING THIS. THEY REFUSED TO REFUND THE PAYMENT AND CLOSED MY DISPUTE. I BELIEVE THEY ARE TRYING TO GET AWAY WITH MONEY LAUNDERING | Company has responded to the consumer and the CFPB and chooses not to provide a public response | UNITED SERVICES AUTOMOBILE ASSOCIATION | FL | 32507 | null | Consent provided | Web | 12/17/24 | Closed with explanation | Yes | null | 11,185,400 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Dear Dispute of Inaccurate Late Payment Reporting - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subiet : Request for inacurete late payments base on FCRA sp ecifically 15 USC 1681.
I Am Writing To Dispute The Inaccurate Reporting Of Late Payments On My Credit Report, Specifically Concerning The Accounts Referenced With XXXX XXXX XXXX XXXX XXXX Upon Thorough Review, I Have Identified Discrepancies In The Reporting, And It Appeary That There May Be A Violation Of The Fair Credit Reporting Act ( Ecra ) As Ouflined In 15 US.C. {$1600.00}. The Reported Late Payments On The Aforementioned Accounts Are Inconsistent With My Payment History. To The Best Of My Knowledge And Records, I Have Consistently Paid These Accounts On Time, In Accordance With The Agreed-Upon Terms Reference To PAANL ( Paid As Agreed, Never Late ) : The Termy Of Our Agreement Have Always Been Adhered To, And The Accounts In Question Should Reflect A Status Of " Paid As Agreed, Never | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 331XX | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,677,276 |
12/15/24 | Credit card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | Background : I've used same credit card for XXXX years and have {$35000.00} limit. My spouse is an authorized user.
Issue : US Bank recently created new process XXXX months ago whereby anytime my spouse spends a $ limit, I receive a text message and have to provide timely provide it to her for the transaction to go through. This happens multiple times a week.
Attempt to Remedy : I've called the credit card XXXX XXXX XXXX. Most recently ( XX/XX/year> ) agent informed me the card company would require me to open a new credit card with my spouse as a co-applicant, and that's the only way they can address this. XXXX acknowledged it was a terrible policy and needs to be addressed ( noting he had the same issue with his spouse using the card ).
Opening a new credit card is not acceptable remedy. I would simply like to add my spouse to the existing card, vs. XXXX opening a new line of credit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | FL | 33317 | null | Consent provided | Web | 12/15/24 | Closed with non-monetary relief | Yes | null | 11,164,450 |
11/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Bank Account # XXXX CREDIT LIMIT XXXX, XXXX NOT ACCOUNT NUMBER CREDIT LIMIT XXXX has violated my rights.
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90017 | null | Consent provided | Web | 11/04/24 | Closed with non-monetary relief | Yes | null | 10,675,261 |
12/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX
UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/year> | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30127 | null | Consent provided | Web | 12/21/24 | Closed with explanation | Yes | null | 11,227,440 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92505 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,672,080 |
11/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30127 | null | Consent provided | Web | 11/04/24 | Closed with non-monetary relief | Yes | null | 10,676,477 |
12/10/24 | Credit card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Confusing or misleading advertising about the credit card | XXXX months ago, I purchased a computer at Best Buy using my " My Best Buy Visa credit card, '' taking advantage of a promotional offer. At no point during the promotion 's disclosure was I informed that additional steps were required to ensure payments exceeding the minimum amount would be allocated to the promotional balance. This critical information was deliberately concealed from consumers.
To allocate excess payments to the promotional balance, multiple boxes must be checkedboxes that are buried under several layers of obscure links on Citibank 's website. This setup is purposefully deceptive, relying on a lack of disclosure to mislead consumers. It was only through sheer curiosity and persistence that I discovered these hidden steps. Until then, my excess payments were not applied to my promotional balances as they should have been.
When I contacted Citibank to address this issue, I requested that all excess payments I had made be retroactively applied to the promotional balances. Citibank refused, offering to adjust only the last two paymentsa wholly unacceptable resolution. As of now, I owe {$2100.00} on one balance and {$230.00} on the other promotional balance, despite consistently paying {$250.00} per month, with approximately {$100.00} of each payment intended as an overpayment toward those balances. The {$2100.00} balance is for the computer I purchased, and the {$230.00} balance is for the computer 's insurance plan.
The deliberate lack of transparency here serves only one purpose : to increase the likelihood that consumers will unknowingly fail to allocate their excess payments, ultimately forcing them to incur interest at the conclusion of the XXXX interest promotional period. This practice is not only unethical but appears intentionally designed to exploit unsuspecting consumers. Citibank 's refusal to fully resolve this issue and retroactively allocate my excess payments is a blatant disregard for transparency and consumer rights. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | GA | 30005 | null | Consent provided | Web | 12/11/24 | Closed with explanation | Yes | null | 11,095,198 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78753 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,694,933 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 183XX | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,672,229 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30312 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,676,180 |
12/14/24 | Credit card | General-purpose credit card or charge card | Fees or interest | Problem with fees | In XX/XX/year>, I unexpectedly lost my job, which led to financial difficulties in making my regular monthly payments for the billing periods of XXXX and XXXX. While awaiting the deposit of my retirement funds, I reached out to Jetblue Credit Card for assistance.. Unfortunately, a certified mail I sent through the post office was lost, further complicating my situation and intensifying the financial strain. Despite this, I contacted JetBlue and arranged a payment plan, the terms offered were financially out of my reach considering I was just getting back on my feet. However, despite our disagreement, Jet Blue refused the payment amount offered and reported my account as late to the credit bureaus and added additional fees, which caused my credit score to drop significantly from XXXX to XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | DE | 198XX | null | Consent provided | Web | 12/14/24 | Closed with explanation | Yes | null | 11,156,504 |
11/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60160 | null | Consent provided | Web | 11/04/24 | Closed with non-monetary relief | Yes | null | 10,675,041 |
11/01/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I just won a judgment against XXXX XXXX. They were to correct to all credit reporting agencies to change the late payment in XX/XX/XXXX to not late. It was never late. This company also increased to loan balance when I first tried to refinance the house in XXXX. They increased the balance from {$240000.00} to over {$500000.00}. This was an effort to lower my credit score to enable me to refinance. I have proof ( screenshots ) of when they accelerated this debt in XXXX. When I contested this, the informed the credit agencies a have a balloon payment. I did not sign any balloon contracts. This is a conventional loan. To this day, BSI refuses the correct the reporting of this report.
On XX/XX/XXXX, BSI purposely reported their attorney fees as late charges to harm my credit rating. Additionally, this cause a 30 day late payment. There was no reason to add their attorney fees to my credit because they lost in court this past XXXX and I was awarded my attorney fees to be paid by BSI. Once I requested a payoff on XX/XX/XXXX, they reported the false reporting of me being {$78000.00} past due on XX/XX/XXXX.
I have submitted several times to all credit bureaus the judgment from the trial. Additionally, BSI is still reporting my balance due is over {$500000.00} and refuse to correct this for reporting reasons.
I need BSI to correct all 30 day late on my credit. Correct the balance due on the loan It is not over {$500000.00}. They lost in court. The judge ruled against them. | null | BSI Financial Holdings, Inc. | AR | 72206 | null | Consent provided | Web | 11/01/24 | Closed with explanation | Yes | null | 10,659,128 |
11/12/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KS | 66441 | null | Consent provided | Web | 11/12/24 | Closed with non-monetary relief | Yes | null | 10,753,811 |
11/11/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | After reviewing my credit report, I found several inquiries from your company that I dont remember authorizing. This is causing me a lot of stress, as these inquiries are impacting my credit score. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11561 | null | Consent provided | Web | 11/11/24 | Closed with non-monetary relief | Yes | null | 10,751,617 |
11/11/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. XXXX XXXX XXXX XXXX Balance {$1000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30906 | null | Consent provided | Web | 11/11/24 | Closed with non-monetary relief | Yes | null | 10,757,177 |
12/19/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | ID | 83704 | null | Consent provided | Web | 12/19/24 | Closed with non-monetary relief | Yes | null | 11,212,303 |
12/18/24 | Credit card | General-purpose credit card or charge card | Fees or interest | Problem with fees | XX/XX/year> XXXX residences charged {$12000.00}. After the services agreed upon were not fulfilled I submitted a dispute to Barclays, XXXX, XXXX, and XXXX explaining the dispute. All of these credit card companies ruled in my favor and removed the charges except for Barclays. Barclays department declined to support and instructed me to take it up with the merchant which I had already tried. After 6 months of discusses with the merchant, they refunded the {$12000.00} and Barclays is still trying to charge me interests and late fees even though I did what they asked me to do. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | TX | 79932 | null | Consent provided | Web | 12/18/24 | Closed with explanation | Yes | null | 11,191,504 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX.
Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken.
Accounts to be Blocked : XXXX XXXX XXXX XXXX Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXXXXXX XXXX XXXX Account Number : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX ) Inquiries to be Blocked : XXXX. ( XXXX, Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX ) XXXX. ( XXXX XXXX Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX Date : XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX XXXXXXXX, Date : XX/XX/XXXX ) XXXX. XXXX XXXX Date : XX/XX/XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed.
Sincerely, XXXX XXXX Enclosures : Proof of identity Trafficking Documentation | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32208 | null | Consent provided | Web | 11/05/24 | Closed with explanation | Yes | null | 10,677,862 |
11/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60462 | null | Consent provided | Web | 11/04/24 | Closed with non-monetary relief | Yes | null | 10,676,574 |
11/20/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | In XXXXXXXX XXXX XXXX my credit card information was stolen over airport wifi and was fraudulently used to charge over 40 separate XXXX $ transactions to my card. I contacted the fraud department which is based over seas and was told this issue would be resolved in 30-90 days. I was also told that because some of the transactions had not yet posted to my card that I needed to call back after they had posted to file another fraud claim to include the rest of the transactions. I called back at least five more times over the course of the last 9 months to clarify why I had not received any reimbursement and to ensure that every single transaction was reported and ready for reimbursement through the fraud protection plan with Truist. Over 40 transactions had posted, all of which charge me interest monthly if not refunded or paid off. I was advised by the fraud department to continue making minimum monthly payments until all transactions had been refunded. It has been 10 months now. I have received 19 refunds XXXX $ each and am still left with XXXX $ remaining balance of fraudulent charges that have not been refunded as well as interest that has been charged to me monthly on this remaining balance.The last refund was given in XXXX and it is now XX/XX/2024. Every charge was reported several times and I am still being given the run around every time I call for an update. I am asked over and over again by the fraud department which transactions I have not been refunded for and which I have been. Isnt that something they can easily see? Why have I not been refunded in 10 months and why am I being charged interest on the monthly balance? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | FL | 337XX | null | Consent provided | Web | 11/20/24 | Closed with explanation | Yes | null | 10,870,614 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KY | 40511 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,818,933 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60124 | null | Consent provided | Web | 11/15/24 | Closed with explanation | Yes | null | 10,810,416 |
12/04/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | Hi my name is XXXX XXXX and am currently writing to you because of a case that has been mishandled and given a false resolution for over 3 months. I had booked flight and accommodations but was unable to rendered services due to unforeseen circumstances. Citibank initiated partial refund but failed to resolve the remainder due to an oversight on there behalf. Multiple supervisors stated they have the necessary information needed to successfully resolve this issue but continue to hold me responsible for an XXXX charge in the amount of {$720.00}. Im seeking further assistance with this case due to the bank stealing funds. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 346XX | null | Consent provided | Web | 12/04/24 | Closed with non-monetary relief | Yes | null | 11,010,778 |
12/12/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Citi bank did a hard inquiry on my credit, I did not authorize it on XX/XX/year> | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | IL | 60644 | Servicemember | Consent provided | Web | 12/12/24 | Closed with non-monetary relief | Yes | null | 11,130,431 |
12/18/24 | Credit card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | I tried to make a payment online using my Citi AAdvantage Platinum Select World Elite Mastercard credit card. The payment did not go through, so I tried again, utilizing multiple other methods ( XXXX, XXXX, all of them having the same card as a recognized payment method ) but the payment still did not go through. Eventually the credit card got locked. I called Citibank credit card services to unlock it, and they indicated that the only way to do so would be to wait for a letter in the mail (! ). I explained that I would be leaving in a few days, and I would be traveling overseas for an entire month, so I would not be able to receive the letter on time, and requested to either ( A ) receive the letter by express courier or ( B ) utilize a different identification method, such as me personally going to a Citibank branch, bringing my ID. Citibank credit card services did not accept any of those. As a result, I'll be traveling out of the country for a whole month without being able to use my credit card, and I won't be able to pay my bills. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | IL | 60640 | null | Consent provided | Web | 12/18/24 | Closed with explanation | Yes | null | 11,204,810 |
12/18/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | CA | 92344 | null | Consent provided | Web | 12/18/24 | Closed with explanation | Yes | null | 11,205,304 |
12/12/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by ChexSystems. I submitted a complaint to ChexSystems regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, ChexSystems is legally obligated to respond within XXXX days of submission. However, it has now been XXXX days since my complaint was filed, and I have not received any response from ChexSystems. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that ChexSystems address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Fidelity National Information Services, Inc. (FNIS) | TX | 77450 | null | Consent provided | Web | 12/12/24 | Closed with explanation | Yes | null | 11,138,736 |
11/29/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with fraud alerts or security freezes | null | I am having trouble managing my account online with Experian. I have a registered account with Experian but I am unable to unfreeze/freeze my credit online. Experian website directs me to a telephone number to call ( XXXX ). When I call this number, I am unable to get a real person to help. The automated call system will direct me to the website, resulting in a senseless circular loop, and then disconnect the call.
I have tried this every week since XX/XX/year> to XX/XX/year>. While I understand I may be able to unfreeze/free my credit by phone, I wish to do so using the Experian website. To fix this problem, I need someone real to listen to and address my problem.
Experian has made it impossible to talk to anyone. Their automated phone system will not even allow the choice of speaking to someone, it will actually hang
up. At least XXXX and XXXX gives you the option to speaking with somone even if it takes awhile. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 07652 | null | Consent provided | Web | 11/29/24 | Closed with explanation | Yes | null | 10,969,595 |
12/22/24 | Credit card | General-purpose credit card or charge card | Getting a credit card | Sent card you never applied for | I received a credit card in the mail with my name and address. I looked into it and there was a hard inquiry from them ( Citibank ) on my credit report. I immediately called them and told them I did not request this card and I want it deleted and my credit report clean up from their inquiry. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | UT | 84651 | null | Consent provided | Web | 12/22/24 | Closed with non-monetary relief | Yes | null | 11,247,004 |
11/19/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX USAA XXXX XXXX XXXX.
XXXX XXXX, Tx XXXX Subject : Official Request for Refund of Remaining Finance Charge Pursuant to 15 U.S.C. 1666d and Related Consumer Rights To Whom It May Concern, This letter serves as my official request for the refund of the remaining portion of the finance charge due to me, XXXX XXXX, as a consumer, pursuant to 15 U.S.C. 1666d and my 15 U.S.C. 1635 ( 4 ) right of rescission in connection with a consumer credit transaction.
Legal Basis for Refund Request Under 15 U.S.C. 1666d, creditors are required to : 1. Credit the amount of a credit balance to the consumers account, 2. Refund any remaining credit balance upon request, and 3. Perform this action in good faith.
As part of this request, I assert my rights to the refund of all applicable credit balances associated with this account.
Additionally, as defined by the Truth in Lending Act ( TILA ), a credit card under 15 U.S.C. 1602 ( k ) includes any card, plate, coupon book, or other credit device used for the purpose of obtaining money, property, labor, or services on credit. In this transaction, my Social Security card was used, and it falls within this statutory definition.
My Rights Under 15 U.S.C. 1666i As a credit card customer, I am further protected under 15 U.S.C. 1666i, which allows cardholders to assert claims and defenses in disputes arising from credit card transactions. This provision reinforces my right to a refund as a credit card customer under federal law.
Supporting Documentation I have included relevant documentation and attachments to support my request. These include : Evidence of the transaction and credit balance with you financial data base.
Consumer Credit Transaction loan aggreement with finance charge accurately showing amounts due.
Request for Action Please consider this letter as my formal request to process a refund of the remaining finance charge or any other credit balance on my account. I trust USAA will act promptly and in good faith to address this matter.
If further information or clarification ( ONLY ) is needed, please contact me at ( XXXX ) XXXX or XXXXXXXX XXXX XXXX
Thank you for your attention to this matter. I look forward to a timely response and resolution.
Sincerely, XXXX XXXX Violations of 15 USC 1666d XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX. ( XXXX ) misidentified the basis for the charge but failed to respond to XXXX requests for information about it. XXXX continued to seek payment and reported the debt as delinquent to credit agencies, despite XXXX protest. In doing so, XXXX admittedly violated multi- ple sections of the Fair Credit Billing Act ( FCBA ), 15 U.S.C . 16661666j.
After unsuccessfully attempting to get a direct response from XXXX, XXXX and his wife filed this action in the District of Oregon, alleging inter alia claims under the FCBA and Oregons Unlawful Debt Collection Practices Act ( UDCPA ), Or. Rev. Stat. 646.639.643. The trial court dismissed the UDCPA claim and limited XXXX total recov- ery under the FCBA to {$1000.00}.
Money Store Violations of 15 USC 166d The Second Circuit holds that loan assignees are not creditors for purposes of the TILAs credit balance refund provision. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ). The plaintiffs in this class-action lawsuit obtained mortgages from creditors who later assigned them to XXXX XXXX XXXX. The plaintiffs alleged that XXXX XXXX XXXX violated Section 165 of the TILA, 15 U.S.C. 1666d, by failing to refund credit balances on their accounts. The trial court dismissed the TILA claim. On appeal, the Second Circuit affirmed, holding that the TILA provision at issue only applies to creditors, which Section 103 ( g ) of the TILA defines in part as the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement, 15 U.S.C. 1602 ( g ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | UNITED SERVICES AUTOMOBILE ASSOCIATION | IL | 60411 | Servicemember | Consent provided | Web | 11/19/24 | Closed with explanation | Yes | null | 10,836,800 |
11/18/24 | Student loan | Private student loan | Issue with income share agreement | Marketing or disclosure issues | I was never given and opt out disclosure form to opt out of non affiliated third parties. According to my understanding of the Gramm-Leach-Bliley Act, I am entitled to receive an opt-out disclosure form, which would provide me the choice to restrict the sharing of my personal financial information. Mohela Student Loan Services did not furnish me with this mandatory disclosure, and as such, I did not have the opportunity to exercise my right to opt out of certain data sharing practices.
This failure to provide an opt-out option constitutes a violation of my rights under the Gramm-Leach-Bliley Act. Therefore, I am requesting the immediate removal of all entries related to Mohela Student Loan Services and Missouri Educational Loan from my credit report, as this information was obtained and shared in an improper manner. This company has received documents and still has yet to removed I have attached picture of tracking number to the XXXX has received. | Company believes it acted appropriately as authorized by contract or law | MOHELA | DC | 20018 | null | Consent provided | Web | 11/18/24 | Closed with explanation | Yes | null | 10,869,847 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | " I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
" | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77089 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,693,421 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77089 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,693,499 |
11/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 79927 | null | Consent provided | Web | 11/06/24 | Closed with non-monetary relief | Yes | null | 10,701,234 |
11/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | The unauthorized entries on my consumer report persist despite documented disputes. These fraudulent items resulted from identity theft and were never authorized by me. Your continued reporting of this information violates the Fair Credit Reporting Act and identity theft protection laws. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78108 | null | Consent provided | Web | 11/04/24 | Closed with non-monetary relief | Yes | null | 10,679,139 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.
As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.
The identity of the entity or entities responsible for conducting the verification process.
Any documentation or evidence used to substantiate the accuracy of the disputed items.
I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28025 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,677,343 |
End of preview. Expand
in Dataset Viewer.
README.md exists but content is empty.
- Downloads last month
- 40