| 1 | Incorrect information on your report | 5.7M | 2.9K | Credit reporting or other personal consumer reports |
| 2 | Improper use of your report | 2.5M | 2.4K | Credit reporting or other personal consumer reports |
| 3 | Problem with a company's investigation into an existing problem | 1.6M | 1.4K | Credit reporting or other personal consumer reports |
| 4 | Problem with a credit reporting company's investigation into an existing problem | 505.8K | 1.6K | Credit reporting, credit repair services, or other personal consumer reports |
| 5 | Attempts to collect debt not owed | 356.7K | 3.4K | Debt collection |
| 6 | Written notification about debt | 185.6K | 2.7K | Debt collection |
| 7 | Managing an account | 168.0K | 605 | Checking or savings account |
| 8 | Loan modification,collection,foreclosure | 108.1K | 536 | Mortgage |
| 9 | Took or threatened to take negative or legal action | 102.0K | 3.0K | Debt collection |
| 10 | Incorrect information on credit report | 97.1K | 537 | Credit reporting |
| 11 | False statements or representation | 86.1K | 3.0K | Debt collection |
| 12 | Trouble during payment process | 76.1K | 954 | Mortgage |
| 13 | Loan servicing, payments, escrow account | 71.9K | 606 | Mortgage |
| 14 | Problem with a purchase shown on your statement | 70.4K | 462 | Credit card or prepaid card |
| 15 | Communication tactics | 64.7K | 2.8K | Debt collection |
| 16 | Cont'd attempts collect debt not owed | 56.3K | 2.2K | Debt collection |
| 17 | Unable to get your credit report or credit score | 49.4K | 420 | Credit reporting or other personal consumer reports |
| 18 | Other transaction problem | 45.9K | 397 | Money transfer, virtual currency, or money service |
| 19 | Struggling to pay mortgage | 45.8K | 711 | Mortgage |
| 20 | Dealing with your lender or servicer | 44.8K | 399 | Student loan |
| 21 | Getting a credit card | 41.7K | 485 | Credit card |
| 22 | Problem with fraud alerts or security freezes | 40.4K | 430 | Credit reporting or other personal consumer reports |
| 23 | Managing the loan or lease | 36.1K | 931 | Vehicle loan or lease |
| 24 | Fraud or scam | 35.8K | 909 | Money transfer, virtual currency, or money service |
| 25 | Account opening, closing, or management | 35.7K | 349 | Bank account or service |
| 26 | Closing an account | 35.6K | 359 | Checking or savings account |
| 27 | Credit monitoring or identity theft protection services | 31.9K | 736 | Credit reporting or other personal consumer reports |
| 28 | Other features, terms, or problems | 30.8K | 357 | Credit card or prepaid card |
| 29 | Problem with a lender or other company charging your account | 29.7K | 498 | Checking or savings account |
| 30 | Disclosure verification of debt | 29.0K | 1.8K | Debt collection |
| 31 | Problem when making payments | 28.6K | 725 | Credit card or prepaid card |
| 32 | Fees or interest | 28.4K | 250 | Credit card or prepaid card |
| 33 | Opening an account | 26.7K | 321 | Checking or savings account |
| 34 | Problem caused by your funds being low | 23.8K | 280 | Checking or savings account |
| 35 | Deposits and withdrawals | 21.7K | 181 | Bank account or service |
| 36 | Closing your account | 20.4K | 255 | Credit card or prepaid card |
| 37 | Applying for a mortgage or refinancing an existing mortgage | 19.6K | 1.1K | Mortgage |
| 38 | Application, originator, mortgage broker | 15.7K | 753 | Mortgage |
| 39 | Dealing with my lender or servicer | 15.3K | 287 | Student loan |
| 40 | Credit reporting company's investigation | 15.1K | 154 | Credit reporting |
| 41 | Struggling to pay your loan | 14.8K | 972 | Vehicle loan or lease |
| 42 | Struggling to repay your loan | 14.3K | 250 | Student loan |
| 43 | Other | 14.2K | 309 | Credit card |
| 44 | Billing disputes | 14.1K | 136 | Credit card |
| 45 | Closing on a mortgage | 11.9K | 953 | Mortgage |
| 46 | Advertising and marketing, including promotional offers | 11.8K | 175 | Credit card or prepaid card |
| 47 | Unauthorized transactions or other transaction problem | 11.5K | 191 | Money transfer, virtual currency, or money service |
| 48 | Problems caused by my funds being low | 11.2K | 134 | Bank account or service |
| 49 | Problems at the end of the loan or lease | 11.1K | 423 | Vehicle loan or lease |
| 50 | Charged fees or interest you didn't expect | 11.1K | 729 | Payday loan, title loan, or personal loan |
| 51 | Trouble using your card | 10.9K | 214 | Credit card or prepaid card |
| 52 | Trouble using the card | 10.6K | 146 | Prepaid card |
| 53 | Unable to get credit report/credit score | 10.3K | 44 | Credit reporting |
| 54 | Threatened to contact someone or share information improperly | 10.2K | 1.5K | Debt collection |
| 55 | Getting a loan or lease | 9.7K | 424 | Vehicle loan or lease |
| 56 | Improper contact or sharing of info | 9.5K | 1.4K | Debt collection |
| 57 | Money was not available when promised | 8.9K | 289 | Money transfer, virtual currency, or money service |
| 58 | Problems when you are unable to pay | 8.9K | 669 | Consumer Loan |
| 59 | Repossession | 8.9K | 431 | Vehicle loan or lease |
| 60 | Managing, opening, or closing your mobile wallet account | 8.8K | 130 | Money transfer, virtual currency, or money service |
| 61 | Problem with a purchase or transfer | 8.8K | 162 | Credit card or prepaid card |
| 62 | Can't repay my loan | 8.1K | 175 | Student loan |
| 63 | Taking/threatening an illegal action | 8.1K | 1.2K | Debt collection |
| 64 | inaccurateand false information consist of personal credit card accounts | 8.1K | 3.2K | the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft |
| 65 | Settlement process and costs | 8.0K | 491 | Mortgage |
| 66 | Identity theft / Fraud / Embezzlement | 8.0K | 153 | Credit card |
| 67 | Making/receiving payments, sending money | 6.9K | 205 | Bank account or service |
| 68 | XXXX | 6.6K | 3.5K | XXXX |
| 69 | Electronic communications | 6.6K | 655 | Debt collection |
| 70 | Problem with a company's investigation into an existing issue | 6.3K | 406 | Credit reporting or other personal consumer reports |
| 71 | Closing/Cancelling account | 6.0K | 89 | Credit card |
| 72 | Problem getting a card or closing an account | 5.9K | 142 | Credit card or prepaid card |
| 73 | Unexpected or other fees | 5.8K | 339 | Credit card or prepaid card |
| 74 | Using a debit or ATM card | 5.6K | 120 | Bank account or service |
| 75 | APR or interest rate | 5.3K | 60 | Credit card |
| 76 | Struggling to pay your bill | 5.2K | 199 | Credit card or prepaid card |
| 77 | Credit decision / Underwriting | 5.2K | 362 | Mortgage |
| 78 | 1681s-2 ( b ) | 5.2K | 7 | 1681i ( a ) |
| 79 | Confusing or missing disclosures | 5.2K | 513 | Money transfer, virtual currency, or money service |
| 80 | Improper use of my credit report | 5.1K | 136 | Credit reporting |
| 81 | Trouble accessing funds in your mobile or digital wallet | 4.4K | 111 | Money transfer, virtual currency, or money service |
| 82 | Credit monitoring or identity protection | 4.1K | 70 | Credit reporting |
| 83 | Taking out the loan or lease | 3.9K | 367 | Consumer Loan |
| 84 | would like to have all addresses and names REMOVED from my credit report | 3.9K | 1.6K | the Equifax Information Services |
| 85 | Problem with the payoff process at the end of the loan | 3.9K | 537 | Payday loan, title loan, or personal loan |
| 86 | Repaying your loan | 3.8K | 78 | Student loan |
| 87 | Other service problem | 3.8K | 177 | Money transfer, virtual currency, or money service |
| 88 | Getting the loan | 3.7K | 449 | Payday loan, title loan, or personal loan |
| 89 | Problem with customer service | 3.4K | 555 | Money transfer, virtual currency, or money service |
| 90 | Late fee | 3.4K | 53 | Credit card |
| 91 | XXXX as proof from the US federal trade commission that all of the aforementioned | 3.3K | 1.1K | collections and hard inquiries are a result of identity theft |
| 92 | Customer service / Customer relations | 3.2K | 84 | Credit card |
| 93 | Delinquent account | 3.0K | 128 | Credit card |
| 94 | Credit determination | 2.9K | 68 | Credit card |
| 95 | Advertising and marketing | 2.7K | 77 | Credit card |
| 96 | Charged fees or interest I didn't expect | 2.6K | 232 | Payday loan |
| 97 | Rewards | 2.5K | 46 | Credit card |
| 98 | Transaction issue | 2.5K | 62 | Credit card |
| 99 | Credit card protection / Debt protection | 2.5K | 80 | Credit card |
| 100 | Billing statement | 2.4K | 61 | Credit card |
| 101 | Getting a line of credit | 2.4K | 323 | Payday loan, title loan, or personal loan |
| 102 | Problem with additional add-on products or services | 2.3K | 316 | Payday loan, title loan, personal loan, or advance loan |
| 103 | Confusing or misleading advertising or marketing | 2.3K | 405 | Money transfer, virtual currency, or money service |
| 104 | Payoff process | 2.2K | 68 | Credit card |
| 105 | Credit line increase/decrease | 2.1K | 41 | Credit card |
| 106 | Other fee | 2.0K | 57 | Credit card |
| 107 | XXXX XXXX | 2.0K | 1.2K | XXXX XXXX |
| 108 | Getting a loan | 2.0K | 160 | Student loan |
| 109 | XX/XX/XXXX | 1.9K | 863 | XX/XX/XXXX |
| 110 | you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children | 1.9K | 10 | please block this fraudulent information from my credit report immediately. This information should be blocked for one year |
| 111 | Shopping for a loan or lease | 1.9K | 236 | Consumer Loan |
| 112 | Didn't provide services promised | 1.8K | 342 | Debt or credit management |
| 113 | Identity theft protection or other monitoring services | 1.7K | 283 | Credit reporting or other personal consumer reports |
| 114 | Unsolicited issuance of credit card | 1.7K | 71 | Credit card |
| 115 | Credit reporting | 1.7K | 37 | Credit card |
| 116 | as proof from the US federal trade commission that all of the aforementioned | 1.7K | 641 | collections and hard inquiries are a result of identity theft |
| 117 | Wrong amount charged or received | 1.4K | 151 | Money transfer, virtual currency, or money service |
| 118 | Other transaction issues | 1.3K | 79 | Money transfers |
| 119 | the company has violated 15 U.S. Code 1692f | 1.3K | 1 | deceptive |
| 120 | validation | 1.3K | 244 | Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA |
| 121 | of such dispute | 1.3K | 31 | 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 |
| 122 | collections | 1.3K | 81 | collections |
| 123 | Unauthorized transactions/trans. issues | 1.2K | 43 | Prepaid card |
| 124 | and other information in a manner which is fair and equitable to the consumer | 1.2K | 215 | personnel |
| 125 | or updated | 1.2K | 74 | the data provided is not always accurate |
| 126 | Received a loan you didn't apply for | 1.1K | 265 | Payday loan, title loan, or personal loan |
| 127 | original transfer rights to collect | 1.1K | 1 | TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information |
| 128 | XXXX as proof from the XXXX federal trade commission that all of the aforementioned | 1.1K | 387 | collections and hard inquiries are a result of identity theft |
| 129 | Managing, opening, or closing account | 1.1K | 43 | Prepaid card |
| 130 | Date Opened : XX/XX/XXXX | 1.1K | 291 | Date Opened : XX/XX/XXXX |
| 131 | nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known | 1.1K | 2 | I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards |
| 132 | Charged upfront or unexpected fees | 1.1K | 232 | Debt or credit management |
| 133 | unethically | 1.0K | 7 | until PROVEN OTHERWISE |
| 134 | Can't contact lender | 1.0K | 239 | Payday loan |
| 135 | Balance transfer | 1.0K | 40 | Credit card |
| 136 | Collection practices | 1.0K | 36 | Credit card |
| 137 | possesses | 991 | 9 | during and in relation to any felony violation enumerated in subsection ( c ) |
| 138 | and you obviously verified '' them | 963 | 13 | but according to the Fair Credit Reporting Act ( FCRA ) |
| 139 | Can't contact lender or servicer | 937 | 271 | Payday loan, title loan, or personal loan |
| 140 | XXXX XXXX XXXX | 912 | 552 | XXXX XXXX XXXX |
| 141 | Collection debt dispute | 901 | 32 | Credit card |
| 142 | under 15 USC 1681 | 874 | 15 | Section 602 ( A ) |
| 143 | Problem adding money | 838 | 63 | Money transfer, virtual currency, or money service |
| 144 | according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ) | 838 | 195 | under 15 USC 1681s-2 ( a ) ( 1 ) |
| 145 | Managing the line of credit | 802 | 116 | Consumer Loan |
| 146 | credit standing | 785 | 25 | oral |
| 147 | signatures | 728 | 22 | I sent a certified dispute letter to all three credit bureaus requesting verification details |
| 148 | Unauthorized withdrawals or charges | 703 | 227 | Debt or credit management |
| 149 | Can't stop withdrawals from your bank account | 701 | 150 | Payday loan, title loan, or personal loan |
| 150 | electronic fund transfers | 680 | 11 | acting as such |
| 151 | Lost or stolen money order | 679 | 86 | Money transfer, virtual currency, or money service |
| 152 | Loan payment wasn't credited to your account | 623 | 205 | Payday loan, title loan, or personal loan |
| 153 | but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts | 571 | 8 | which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened |
| 154 | as proof from the XXXX federal trade commission that all of the aforementioned | 568 | 213 | collections and hard inquiries are a result of identity theft |
| 155 | Received a loan I didn't apply for | 566 | 132 | Payday loan |
| 156 | Forbearance / Workout plans | 527 | 37 | Credit card |
| 157 | in writing | 526 | 38 | you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition |
| 158 | the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer | 523 | 348 | after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer |
| 159 | credit card | 518 | 3 | I've been denied in my application for ( mortgage |
| 160 | 15 USC 1666b | 506 | 2 | I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account |
| 161 | Vehicle was repossessed or sold the vehicle | 504 | 89 | Payday loan, title loan, or personal loan |
| 162 | by other means available to the agency ( B ) Contents. As part of | 503 | 38 | by mail or |
| 163 | Application processing delay | 503 | 40 | Credit card |
| 164 | and I seek appropriate redress ( Block | 494 | 8 | their dispute resolution process was unfair and deceptive |
| 165 | Money was taken from your bank account on the wrong day or for the wrong amount | 492 | 145 | Payday loan, title loan, or personal loan |
| 166 | if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked | 490 | 7 | or may rescind any block |
| 167 | if ( A ) the consumer | 484 | 11 | with regard to any request of a consumer under this section |
| 168 | XXXX XXXX XXXX XXXX | 481 | 274 | XXXX |
| 169 | Account terms and changes | 478 | 81 | Consumer Loan |
| 170 | Can't stop charges to bank account | 473 | 85 | Payday loan |
| 171 | or that the consumer requests the name and address of the original creditor | 471 | 7 | or any portion thereof |
| 172 | I may be detailing any potential issues with your company via an online public press release | 469 | 196 | seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX |
| 173 | Other service issues | 467 | 50 | Money transfers |
| 174 | Privacy | 453 | 38 | Credit card |
| 175 | Advertising | 449 | 58 | Credit card or prepaid card |
| 176 | Bankruptcy | 435 | 45 | Credit card |
| 177 | Payment to acct not credited | 430 | 135 | Payday loan |
| 178 | 501.203 ( 3 ) ( c ) | 412 | 1 | discrepancies |
| 179 | respectively. These provisions provide for damages | 407 | 59 | under the FCRA |
| 180 | Was approved for a loan, but didn't receive the money | 399 | 150 | Payday loan, title loan, or personal loan |
| 181 | Title VI | 397 | 65 | In accordance with The Fair Credit Reporting Act |
| 182 | or indirectly through a reseller | 390 | 11 | Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ) |
| 183 | sharing | 376 | 3 | I demand that you block any access |
| 184 | I am entitled to dispute information that I believe to be inaccurate | 371 | 8 | incomplete |
| 185 | Lost or stolen check | 366 | 88 | Money transfer, virtual currency, or money service |
| 186 | an item of the information is found to be inaccurate or incomplete or can not be verified | 364 | 107 | if |
| 187 | consumer credit accounts | 364 | 364 | collections and hard inquiries are a result of identity theft |
| 188 | XXXX ( b ) | 353 | 8 | XXXX ( a ) |
| 189 | incomplete | 338 | 189 | after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer |
| 190 | as well as your persistent | 335 | 15 | failure to provide notice of my dispute to the credit bureaus |
| 191 | trust | 334 | 12 | partnership |
| 192 | and free of charge- ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if- ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller | 327 | 1 | the reseller shall |
| 193 | including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report | 326 | 31 | you are required to comply with the requirements imposed under the FCRA |
| 194 | they stated everything was complete and accurate | 323 | 2 | the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX |
| 195 | Applied for loan/did not receive money | 322 | 88 | Payday loan |
| 196 | Sale of account | 316 | 43 | Credit card |
| 197 | Arbitration | 307 | 41 | Credit card |
| 198 | and type of item | 305 | 17 | by name of the source |
| 199 | Shopping for a line of credit | 300 | 78 | Consumer Loan |
| 200 | outdated | 297 | 43 | et seq. |