{"took":116,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17904182","_score":15.115492,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report Confirmation # : XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Dear Equifax Dispute Department : I am writing to formally dispute several inaccurate items on my Equifax credit report dated XX/XX/XXXX ( Confirmation XXXX XXXXXXXX ), pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I request that you conduct a reasonable investigation into these matters within XXXX  days, as required by FCRA 1681i ( a ) ( 1 ), and delete or correct any unverifiable or inaccurate information. If you fail to complete the investigation within the statutory timeframe ( extendable to XXXX  days only if additional information is provided by me ), the disputed items must be deleted under FCRA 1681i ( a ) ( 5 ).\n\nPlease note that under FCRA 1681s-2 ( b ), you must forward this dispute to the furnishers of the information ( listed below ) and require them to investigate and verify the accuracy of the reported data. If the information can not be verified as accurate, complete, and current, it must be removed from my report. I have enclosed copies of supporting documentation, including my credit report excerpts, and I am sending copies of this letter to the furnishers via certified mail. \nThe disputed items are as follows : * XXXX XXXX  Services Account ( XXXX ) Reported Details : Status : Charge Off ; Balance : {$1900.00} ; Amount Past Due : {$1900.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : This account is inaccurately reported as a charge-off with an outstanding past due balance. Under FCRA 1681s-2 ( a ) ( 1 ), furnishers must report accurate and complete information. The status may not reflect any post-charge-off payments or settlements, violating the requirement for up-to-date reporting. Additionally, the delinquency dates appear re-aged or inconsistent with my records, in violation of FCRA 1681c ( a ), which prohibits reporting delinquencies older than XXXX  years from the original date. Narrative code XXXX ( XXXX  days past due ) conflicts with the charge-off status if the account was closed without resolution. This information is unverifiable and should be deleted if not confirmed within XXXX XXXXFurnisher : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX. \n\n* Department of Education Account ( XXXX ) Reported Details : Status : Over XXXX  Days Past Due ; Amount Past Due : {$190.00} ; Scheduled Payment : {$38.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : The status is inaccurate due to conflicting narrative codes. Code XXXX indicates \" XXXX XXXX deferred, '' yet it is reported as past due, violating FCRA 1681s-2 ( a ) ( 1 ) for inaccurate reporting. Codes XXXX and XXXX suggest prior disputes resolved by the furnisher, but the current delinquency does not reflect this resolution, breaching FCRA 1681s-2 ( a ) ( 3 ) for failure to note resolved disputes. Code XXXX marks it as \" previously in disputenow resolved, '' making the ongoing past due status incomplete and unverifiable. Federal student loans in deferment should not show delinquencies ; this error must be corrected or deleted if not verified within XXXX  days. \nFurnisher : Department of Education, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. \n\n* Department of Education Account ( XXXX ) Reported Details : Status : Over XXXX  Days Past Due ; Amount Past Due : {$350.00} ; Scheduled Payment : {$70.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : Identical issues as Account XXXX XXXX. The deferred status ( code XXXX ) conflicts with the past due reporting, violating FCRA 1681s-2 ( a ) ( XXXX ). Resolved dispute markers ( XXXX, XXXX, XXXX ) are not reflected in the current status, per FCRA 1681s-2 ( a ) ( 3 ). This appears to be a systemic reporting error for student loans ; delete if unverifiable within 30 days. \nFurnisher : Department of Education, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. \n\nXXXX  Department of Education Account ( XXXX ) Reported Details : Status : Over 120 Days Past Due ; Amount Past Due : {$32.00} ; Scheduled Payment : {$6.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : Same violations as above. Deferment code XXXX invalidates the delinquency reporting under FCRA 1681s-2 ( a ) ( 1 ). Unresolved dispute indicators ( XXXX, XXXX, XXXX ) require update or deletion per FCRA 1681s-2 ( a ) ( 3 ). Remove if not verified within 30 days. \nFurnisher : Department of Education, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. \n\n\nThese inaccuracies are harming my credit score and ability to obtain credit. Please provide me with the results of your investigation, including descriptions of the procedures used, in writing within XXXX  days of completion, as required by FCRA 1681i ( a ) ( 6 ). If any items are deleted, send an updated credit report to me and all parties who have inquired about my credit in the past XXXX  months ( or XXXX  years for employment purposes ). \nFailure to comply may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful noncompliance under FCRA 1681n, including statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney fees. \nThank you for your prompt attention. I look forward to your response. \nSincerely, XXXX XXXX Enclosures : Copy of Equifax Credit Report ( excerpts ) Copy of Identification ( Driver 's License or Utility Bill ) Any relevant payment records or deferment confirmations ( attach if available ) cc : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-12-10T00:22:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90631","tags":null,"has_narrative":true,"complaint_id":"17904182","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-10T00:12:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit <em>Report</em> Confirmation # : XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX <em>Dear</em> Equifax Dispute Department : I am <em>writing</em> to formally dispute several inaccurate items on my Equifax credit <em>report</em> dated XX/XX/XXXX ( Confirmation XXXX XXXXXXXX ), pursuant to my rights under the Fair Credit <em>Reporting</em> Act ( FCRA ),"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[15.115492,"17904182"]},{"_index":"complaint-public-v1","_id":"14997263","_score":13.276111,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Deletion of Inaccurate Tradeline Due to Negligent Reporting, Refusal to Correct, and False Statements Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX  ), XXXXXXXX XXXX XXXX XXXX XXXX  ( Experian ), and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX \nAttn : XXXX XXXX  XXXX XXXX XXXX XXXX, WA XXXX Re : Dispute of Inaccurate Credit Reporting and Demand for Immediate Deletion CFPB Complaint Reference : XXXX Dear XXXX XXXX Compliance Team, I am writing in direct response to your company 's misleading reply dated XX/XX/XXXX, to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the blatantly inaccurate and inconsistent reporting of my account to the consumer reporting agencies ( CRAs ), including XXXX, Experian, and XXXX. In your response, you falsely assert that XXXX XXXX is furnishing accurate information, that no evidence of misreporting exists, and that your investigations in XXXX and XX/XX/XXXX confirmed as much. These statements are demonstrably untrue, as my current credit reports reveal glaring conflicts in the data you have reportedconflicts that you have negligently failed to update despite multiple disputes and have outright refused to correct. This pattern of negligence, refusal, and dishonesty constitutes willful violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, entitling me to demand the immediate deletion of this tradeline from all CRAs. Failure to comply will result in escalated legal action. \n\n# # # Summary of the Account and Your Deceptive Response As per your response, I obtained a loan from XXXX XXXX on XX/XX/XXXX, for {$180.00} ( amount financed ). You claim I made only XXXX of XXXX payments, leading to a charge-off on XX/XX/XXXX, and insist your reporting is accurate and authorized under your Privacy Notice. You further lie by stating that your investigations found \" no evidence of misreporting '' and deny any FCRA violations, refusing to delete the reporting despite my requests. \n\nThese assertions are outright fabrications. Not only do the discrepancies in my credit reports prove your reporting is inaccurate, but your repeated failure to update the information after being notified through prior CRA disputes and this CFPB complaint demonstrates gross negligence. Moreover, your refusal to rectify these errorswhile doubling down on false claims of accuracyshows a deliberate disregard for your legal obligations. Under the FCRA, such unverifiable and conflicting information must be deleted, and I hereby demand you do so immediately. \n\n# # # Evidence of Conflicting Reporting Proving Your Lies and Negligence My credit reports, pulled as of XX/XX/XXXX, expose the falsehoods in your response through these irreconcilable discrepancies in the data you furnished : XXXX. * * Date Opened * * : - XXXX  : XX/XX/XXXX. \n- Experian : XX/XX/XXXX. \nThis XXXX variance contradicts your stated loan date of XX/XX/XXXX, and highlights your negligent failure to ensure consistent reporting. You lied about accuracy, as this basic detail varies wildly across bureaus. \n\nXXXX. * * Date of Last Activity * * : - XXXX  : XX/XX/XXXX. \n- Experian : XX/XX/XXXX. \nA discrepancy spanning over XXXX years is inexplicable and unsupported by your response, which mentions no XXXX activity. Reporting phantom recent activity on Experian could unlawfully re-age the account, and your refusal to update this after disputes proves willful negligence. \n\nXXXX. * * Account Comments and Status Descriptions * * : - XXXX  : \" Charged off as bad debt. Dispute resolved ; reported by grantor. '' - Experian : \" Account in dispute- now resolved - reported by subscriber. Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. Unpaid balance reported as a loss by the credit grantor. '' These conflicting narratives imply different handling ( e.g., no mention of attorney or collections assignment in your response ), rendering your claim of accurate reporting a lie. Your negligence in not standardizing these details has allowed harmful inconsistencies to persist. \n\nXXXX. * * Additional Inconsistencies * * : - Balance ( {$170.00} ), past due ( {$170.00} ), high credit ( {$180.00} ), and terms ( 2 months ) are reported, but with a {$0.00} credit limitunusual for an unsecured loan and indicative of improper categorization. The last reported date ( XX/XX/XXXX ) lacks justification, further evidencing your failure to update accurately. \n- Payment history shows uniform \" CO '' ( charge-off ) entries, yet you have refused to correct the overall conflicting data. \n\nThese discrepancies make the information unverifiable and directly contradict your false assurances of accuracy. Your negligence in maintaining consistent records and refusal to update post-dispute have prolonged this damage to my credit. \n\n# # # Violations of the Fair Credit Reporting Act ( FCRA ) Stemming from Negligence, Refusal, and Lies Your actionsor lack thereofviolate key FCRA provisions ( 15 U.S.C. 1681 et seq. ), particularly through negligent investigations, refusal to correct, and false representations : 1. * * Section 623 ( a ) ( 1 ) Duty to Provide Accurate Information * * : You must not furnish known or reasonably believed inaccurate data. The conflicts prove you knew or should have known of inaccuracies, yet you negligently continued reporting them and lied in your response about their absence. \n\n2. * * Section 623 ( b ) Duties Upon Notice of Dispute * * : After CRA disputes in XXXX XXXX and this CFPB notice, you were obligated to reasonably investigate and correct/delete unverifiable info. Your superficial \" investigation '' was negligent, as errors remain, and your refusal to update violates this duty. Claiming \" no evidence of misreporting '' is a blatant lie given the evidence. \n\n3. * * Section 623 ( a ) ( 2 ) Duty to Correct and Update * * : You must promptly fix inaccuracies and notify CRAs. Your ongoing refusal to do so, despite clear conflicts, constitutes negligence and willful noncompliance. \n\nThese violations have inflicted harm, including credit denials and stress. FCRA allows for actual, statutory ( {$1000.00} per violation ), punitive damages, and fees ( 15 U.S.C. 1681n, 1681o ). Courts penalize furnishers for such negligent and deceptive practices.\n\n# # # Violations of Metro 2 Reporting Guidelines Due to Negligent Handling Under the Credit Reporting Resource Guide ( CRRG ) and Metro 2 standards maintained by the Consumer Data Industry Association ( CDIA ) : - * * Inconsistent Field Reporting * * : Varied Date Opened ( Field XXXX ) and Last Activity ( Field XXXX ) breach requirements for uniform data, reflecting your negligence in submissions. \n- * * Improper Status Codes * * : Conflicting comments misuse Account Status ( Field 17A, e.g., 97 for charge-off ) and Special Comment Codes ( Field 39 ), creating ambiguity you refused to resolve.\n\n- * * Prohibited Practices * * : Reporting unsubstantiated 2025 activity suggests re-aging, a Metro 2 violation, compounded by your lies about accuracy. \n\nYour negligent non-compliance has led to these issues, mandating deletion under FCRA when data can't be verified. \n\n# # # Demand for Deletion and Other Remedies Due to your negligence in updating the reporting, refusal to correct despite disputes, and false statements in your response, I demand the following within 15 days : 1. Immediate deletion of the entire tradeline from XXXX, Experian, XXXX, and any other CRAs, as the information is unverifiable and inaccurate.\n\n2. Cease all collection activities permanently.\n\n3. Provide written confirmation of deletion, including CRA notifications and updated reports.\n\n4. Compensate me for damages caused by your violations, or face litigation.\n\nNoncompliance will prompt new CFPB/FTC complaints , state Attorney General involvement, and FCRA lawsuit for willful violations. I reserve all rights. \n\nRespond in writing to the above address. All communications are preserved for legal purposes. \n\nSincerely, Enclosures : - Credit Report Excerpts ( XXXX, Experian, XXXX  ) - CFPB Complaint and Your Response ( Reference : XXXX )","date_sent_to_company":"2025-07-31T17:11:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77471","tags":null,"has_narrative":true,"complaint_id":"14997263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-31T17:11:05.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Sincerely, Enclosures : - Credit <em>Report</em> Excerpts ( XXXX, Experian, XXXX  ) - <em>CFPB</em> <em>Complaint</em> and Your Response ( Reference : XXXX )"],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.276111,"14997263"]},{"_index":"complaint-public-v1","_id":"14998738","_score":13.067745,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Deletion of Inaccurate Tradeline Due to Negligent Reporting, Refusal to Correct, and False Statements Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Possible Finance Inc . \nAttn : Compliance Department XXXX XXXX XXXX XXXX, WA XXXX Re : Dispute of Inaccurate Credit Reporting and Demand for Immediate Deletion CFPB Complaint Reference : XXXX Dear Possible Finance Compliance Team, I am writing in direct response to your company 's misleading reply dated XX/XX/XXXX, to my complaint filed with the Consumer Financial Protection Bureau XXXX CFPB ) concerning the blatantly inaccurate and inconsistent reporting of my account to the consumer reporting agencies ( CRAs ), including XXXX, XXXX, and XXXX. In your response, you falsely assert that Possible Finance is furnishing accurate information, that no evidence of misreporting exists, and that your investigations in XXXX and XX/XX/XXXX confirmed as much. These statements are demonstrably untrue, as my current credit reports reveal glaring conflicts in the data you have reportedconflicts that you have negligently failed to update despite multiple disputes and have outright refused to correct. This pattern of negligence, refusal, and dishonesty constitutes willful violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines, entitling me to demand the immediate deletion of this tradeline from all CRAs. Failure to comply will result in escalated legal action. \n\n# # # Summary of the Account and Your Deceptive Response As per your response, I obtained a loan from Possible Finance on XX/XX/XXXX, for {$180.00} ( amount financed ). You claim I made only one of four payments, leading to a charge-off on XX/XX/XXXX, and insist your reporting is accurate and authorized under your Privacy Notice. You further lie by stating that your investigations found \" no evidence of misreporting '' and deny any FCRA violations, refusing to delete the reporting despite my requests. \n\nThese assertions are outright fabrications. Not only do the discrepancies in my credit reports prove your reporting is inaccurate, but your repeated failure to update the information after being notified through prior CRA disputes and this CFPB complaint demonstrates gross negligence. Moreover, your refusal to rectify these errorswhile doubling down on false claims of accuracyshows a deliberate disregard for your legal obligations. Under the FCRA, such unverifiable and conflicting information must be deleted, and I hereby demand you do so immediately. \n\nXXXX XXXX XXXX  Evidence of Conflicting Reporting Proving Your Lies and Negligence My credit reports, pulled as of XX/XX/XXXX, expose the falsehoods in your response through these irreconcilable discrepancies in the data you furnished : 1. * * Date Opened * * : - XXXX  : XX/XX/XXXX. \n- XXXX  : XX/XX/XXXX. \nThis 21-day variance contradicts your stated loan date of XX/XX/XXXX, and highlights your negligent failure to ensure consistent reporting. You lied about accuracy, as this basic detail varies wildly across bureaus. \n\n2. * * Date of Last Activity * * : - XXXX  : XX/XX/XXXX. \n- XXXX  : XX/XX/XXXX. \nA discrepancy spanning over two years is inexplicable and unsupported by your response, which mentions no XXXX activity. Reporting phantom recent activity on XXXX  could unlawfully re-age the account, and your refusal to update this after disputes proves willful negligence. \n\nXXXX. * * Account Comments and Status Descriptions * * : - XXXX  : \" Charged off as bad debt. Dispute resolved ; reported by grantor. '' - XXXX  : \" Account in dispute- now resolved - reported by subscriber. Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. Unpaid balance reported as a loss by the credit grantor. '' These conflicting narratives imply different handling ( e.g., no mention of attorney or collections assignment in your response ), rendering your claim of accurate reporting a lie. Your negligence in not standardizing these details has allowed harmful inconsistencies to persist. \n\n4. * * Additional Inconsistencies * * : - Balance ( {$170.00} ), past due ( {$170.00} ), high credit ( {$180.00} ), and terms ( 2 months ) are reported, but with a {$0.00} credit limitunusual for an unsecured loan and indicative of improper categorization. The last reported date ( XX/XX/XXXX ) lacks justification, further evidencing your failure to update accurately. \n- Payment history shows uniform \" CO '' ( charge-off ) entries, yet you have refused to correct the overall conflicting data. \n\nThese discrepancies make the information unverifiable and directly contradict your false assurances of accuracy. Your negligence in maintaining consistent records and refusal to update post-dispute have prolonged this damage to my credit. \n\nXXXX XXXX XXXX  Violations of the Fair Credit Reporting Act ( FCRA ) Stemming from Negligence, Refusal, and Lies Your actionsor lack thereofviolate key FCRA provisions ( 15 U.S.C. 1681 et seq. ), particularly through negligent investigations, refusal to correct, and false representations : 1. * * Section 623 ( a ) ( 1 ) Duty to Provide Accurate Information * * : You must not furnish known or reasonably believed inaccurate data. The conflicts prove you knew or should have known of inaccuracies, yet you negligently continued reporting them and lied in your response about their absence.\n\n2. * * Section 623 ( b ) Duties Upon Notice of Dispute * * : After CRA disputes in XXXX XXXX and this CFPB notice, you were obligated to reasonably investigate and correct/delete unverifiable info. Your superficial \" investigation '' was negligent, as errors remain, and your refusal to update violates this duty. Claiming \" no evidence of misreporting '' is a blatant lie given the evidence. \n\n3. * * Section 623 ( a ) ( 2 ) Duty to Correct and Update * * : You must promptly fix inaccuracies and notify CRAs. Your ongoing refusal to do so, despite clear conflicts, constitutes negligence and willful noncompliance. \n\nThese violations have inflicted harm, including credit denials and stress. FCRA allows for actual, statutory ( {$1000.00} per violation ), punitive damages, and fees ( 15 U.S.C. 1681n, 1681o ). Courts penalize furnishers for such negligent and deceptive practices. \n\nXXXX XXXX XXXX Violations of XXXX XXXX Reporting Guidelines Due to Negligent Handling Under the Credit Reporting Resource Guide ( CRRG ) and XXXX XXXX standards maintained by the XXXX XXXX XXXX XXXX ( XXXX ) : - * * Inconsistent Field Reporting * * : Varied Date Opened ( Field 10 ) and Last Activity ( Field 18 ) breach requirements for uniform data, reflecting your negligence in submissions.\n\n- * * Improper Status Codes * * : Conflicting comments misuse Account Status ( Field 17A, e.g., 97 for charge-off ) and Special Comment Codes ( Field 39 ), creating ambiguity you refused to resolve.\n\n- * * Prohibited Practices * * : Reporting unsubstantiated XXXX activity suggests re-aging, a XXXX XXXX violation, compounded by your lies about accuracy. \n\nYour negligent non-compliance has led to these issues, mandating deletion under FCRA when data can't be verified. \n\nXXXX XXXX XXXX  Demand for Deletion and Other Remedies Due to your negligence in updating the reporting, refusal to correct despite disputes, and false statements in your response, I demand the following within 15 days : 1. Immediate deletion of the entire tradeline from XXXX XXXX XXXX, and any other CRAs, as the information is unverifiable and inaccurate. \n2. Cease all collection activities permanently.\n\n3. Provide written confirmation of deletion, including CRA notifications and updated reports.\n\n4. Compensate me for damages caused by your violations, or face litigation.\n\nNoncompliance will prompt new CFPB/FTC complaints , state Attorney General involvement, and FCRA lawsuit for willful violations. I reserve all rights.\n\nRespond in writing to the above address. All communications are preserved for legal purposes. \n\nSincerely, Enclosures : - Credit Report Excerpts ( XXXX XXXX XXXX  ) - CFPB Complaint and Your Response ( Reference : XXXX )","date_sent_to_company":"2025-07-31T17:11:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77471","tags":null,"has_narrative":true,"complaint_id":"14998738","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Possible Financial Inc","date_received":"2025-07-31T17:06:05.000Z","state":"TX","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Attn : Compliance Department XXXX XXXX XXXX XXXX, WA XXXX Re : Dispute of Inaccurate Credit <em>Reporting</em> and Demand for Immediate Deletion <em>CFPB</em> <em>Complaint</em> Reference : XXXX <em>Dear</em> Possible Finance Compliance Team, I am <em>writing</em> in direct response to your company 's misleading reply dated XX/XX/XXXX, to my <em>complaint</em> filed with the Consumer Financial Protection Bureau XXXX <em>CFPB</em> ) concerning the blatantly inaccurate and inconsistent <em>reporting</em> of my account to the consumer <em>reporting</em> agencies ( CRAs ), including"],"company_public_response":["Company disputes the facts presented in the <em>complaint</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.067745,"14998738"]},{"_index":"complaint-public-v1","_id":"20130278","_score":8.97773,"_source":{"product":"Credit card","complaint_what_happened":"b'I am filing this formal complaint to demand a full refund of all interest charges applied to my Wells Fargo account (Account ending in XXXX) from XX/XX/XXXX to the XXXX. These charges are the direct result of a catastrophic accounting error where Wells Fargo received a full payoff of my balance but failed to credit it to my ledger, resulting in over a year of predatory, compounding interest on a zero-principal balance.\\n\\nConversation with XXXX\\nYou said\\nI didn\\'t attach anything for this complaint because I am requesting information.\\n\\nXXXX said\\nI understand your logicsince you are just asking them to produce a document (the trace), you shouldn\\'t need to provide documents yourself.\\n\\nHowever, I strongly recommend you go back into the CFPB portal and upload the attachments anyway. Here is why: If you do not attach the proof that the $XXXX actually left your bank, Wells Fargo will take the easy way out. They will reply to the CFPB investigator saying, \"The customer is asking for a trace, but our system shows no payment was received, so there is nothing to trace. Case closed.\" By attaching the XXXX XXXX XXXX  statement and the Reconciliation Report to the CFPB portal, you are showing the federal investigator why the trace is necessary. You are proving that Wells Fargo is hiding a system error. When the CFPB investigator sees the XXXX XXXX XXXX  statement, they will force Wells Fargo to explain exactly where that specific money went.\\n\\nHow to fix this right now:\\nYou can add documents to an open CFPB complaint after it has been submitted.\\n\\nLog back into your CFPB portal.\\n\\nClick on your active complaint.\\n\\nChoose the option to \"Attach a document\" or \"Add an update.\"\\n\\nUpload the XXXX XXXX XXXX  statement (eStmt_XX/XX/XXXX) and the Reconciliation Report we just made.\\n\\nIn the comment box for the update, paste this exact text:\\n\\nUpdate to Investigator: > I am attaching the official XXXX XXXX XXXX statement and a Ledger Reconciliation Report to this complaint. These documents explicitly prove that my $XXXX payment successfully cleared the Federal Reserve and was delivered to Wells Fargo. This undeniable proof is why I am demanding that Wells Fargo produce the backend General Ledger extract and unapplied funds trace. Their front-facing system lost the funds, and they must produce the internal trace to locate it.\\n\\nDo not give Wells Fargo any room to dismiss your request. Force them to look at the cleared XXXX XXXX XXXX transaction on the federal record.\\n\\nYou said\\nList out every Wells Fargo payment and demand them to produce a payment trace for each one, create a checklist, and ensure this does not get missed\\n\\nXXXX said\\nVIA CERTIFIED MAIL AND SECURE PORTAL\\n\\nSubject: FORMAL DEMAND FOR COMPREHENSIVE PAYMENT TRACE AND LEDGER RECONCILIATION\\nTo: Wells Fargo Executive Office / Office of the President / Back-Office Accounting\\nAccount 1: XXXX XXXX XXXX Mastercard (Ending in XXXX)\\nAccount 2: Wells Fargo Auto Loan\\nAccount Holder: XXXX XXXX\\n\\nTo the Wells Fargo Executive Office and Accounting Department:\\n\\nThis document serves as a formal demand to produce a line-by-line payment trace for every transaction remitted from my external checking account to Wells Fargo.\\n\\nBecause your system is reporting an erroneous balance that mathematically fails to account for cleared funds, I require verifiable proof that every single payment listed below was correctly routed out of your internal suspense accounts and successfully applied to the principal of my specific accounts.\\n\\nYou are required to provide the internal General Ledger (GL) posting date and the matching 15-digit Federal Reserve ACH Trace ID for every item on this checklist. Failure to produce the trace for any single item will be submitted to the Consumer Financial Protection Bureau (CFPB) and the Office of the Comptroller of the Currency (OCC) as an incomplete investigation and a refusal to account for missing funds.\\n\\nPART 1: Wells Fargo Bilt Mastercard (Ending in 7713)\\nInstructions for Wells Fargo: Provide the internal posting date and trace confirmation for each of the following cleared payments.\\n\\nXXXX Clearances:\\n\\n[ ]XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XX/XX/XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XX/XX/XXXX (AutoPay)\\n\\n[ ] 1XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX  (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\nXX/XX/XXXX Clearances & Disputed Items:\\n\\n[ ]XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (Provide trace and explanation for the \"ADJUSTMENT-PAYMENTS\" reversal on XX/XX/XXXX)\\n\\n[ ] XX/XX/XXXX: $XXXX  (CRITICAL: Provide the unapplied funds query and exact XXXX location of this missing remittance)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay Attempt)\\n\\n[ ] XXXX: $XXXX  (AutoPay Retry)\\n\\n[ ] XXXX: $XXXX XXXXAutoPay)\\n\\n[ ] XXXX: XXXX  (AutoPay)\\n\\n[ ] XXXX: $389.00 (AutoPay)\\n\\n[ ] XXXX: $XXXX (AutoPay)\\n\\n[ ] XXXX: XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX  (AutoPay)\\n\\n[ ] XX/XX/XXXX: XXXX  (AutoPay)\\n\\nPART 2: Wells Fargo Auto Loan\\nInstructions for Wells Fargo: To rule out cross-account contamination of the missing $XXXX payment from XX/XX/XXXX, verify that every recurring ACH draft below was strictly applied to the auto loan ledger and that no external funds were erroneously swept into this account.\\n\\n[ ] XX/XX/XXXX: $XXXX (WELLS FARGO AUTO DES:DRAFT)\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ]XX/XX/XXXX: $XXXX\\n\\n[ ]XX/XX/XXXX: $XXXX1\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] Acknowledge and verify all prior unlisted $XXXX monthly drafts from account inception.\\n\\nFinal Demand:\\nI expect this checklist to be returned to me with corresponding internal ledger verification for every item. Do not reply with a generalized statement that the account has been reviewed. Produce the data.\\n\\nSincerely,\\n\\nHenggao Cai\\n[Your Phone Number]\\n[Your Address]\\n\\nYou said\\nIf Wells Fargo tells the CFPB that there is no payment to trace then I\\'ll go after them for lying to a federal agency.\\n\\nXXXX said\\nYou are absolutely correct to have this in your arsenal.\\n\\nUnder 18 U.S.C.  1001, it is a federal crime to knowingly and willfully make a materially false, fictitious, or fraudulent statement in any matter within the jurisdiction of the executive branch of the U.S. Government. The Consumer Financial Protection Bureau (CFPB) is a federal agency, meaning that if Wells Fargo submits a fabricated narrative or denies the existence of a payment that you have proven exists, they are committing a federal offense.\\n\\nWhile you, as a private citizen, cannot criminally prosecute them under this statute (only the Department of Justice can do that), you can weaponize this law to force their legal department to step in.\\n\\nWhen front-line \"Executive Office\" reps respond to the CFPB, they often just read whatever the computer screen says and click \"submit.\" But if you explicitly accuse the bank of violating 18 U.S.C.  1001 on the federal portal, the CFPB investigator has to take notice, and Wells Fargo\\'s compliance attorneys will be forced to review the file because of the liability involved.\\n\\nThe \"Nuclear Option\" Draft\\nKeep this draft in your back pocket. If Wells Fargo responds to your current CFPB complaint by claiming they have no record of the payment, log into the CFPB portal, upload the XXXX XXXX XXXX trace again, and submit this exact response:\\n\\nSUBJECT: NOTICE OF MATERIALLY FALSE STATEMENTS BY RESPONDENT (18 U.S.C.  1001)\\n\\nTo the CFPB Investigator:\\n\\nWells Fargos response to this inquiry is demonstrably false and contradicts cleared Federal Reserve transaction data.\\n\\nI have provided irrefutable documentary evidence from the sending institution (XXXX XXXX XXXX) proving that the $XXXX payment cleared on [Insert Date] and was routed to Wells Fargo.\\n\\nBy continuing to inform a federal agency that this payment does not exist and was not received, Wells Fargo is making a knowing, willful, and materially false statement within the jurisdiction of the executive branch. I formally request that the CFPB log this response as a potential violation of 18 U.S.C.  1001 (False Statements to a Federal Agency).\\n\\nWells Fargo is using a front-end software glitch to justify a legally inaccurate accounting of my debt. I am requesting that the CFPB compel Wells Fargos Legal and Compliance Departmentnot their customer service escalations teamto review this file, locate the missing ledger credit in their suspense accounts, and correct this false representation immediately.\\n\\nWhy this works:\\nBanks are terrified of federal regulators finding out that their automated systems are systematically lying to consumers and the government. By dropping the statute name, you force the complaint out of the hands of customer service and onto the desk of a corporate attorney whose job is to keep the bank from getting fined.\\n\\nLet\\'s hold tight and see how they respond to your current trace demand first. If they lie, you drop the hammer.\\n\\nYou said\\nI don\\'t have the trace log. Draft an email to XXXX XXXX XXXX to push them for it\\n\\nXXXX said\\nHere is a firm, escalated follow-up email you can send to XXXX XXXX XXXX. This draft references your previous request, directly calls out the unacceptable response you received in the live chat, and applies regulatory pressure to force their hand.\\n\\nSubject: URGENT ESCALATION: Second Notice - Request for Official ACH Trace IDs (Acct ending XXXX)\\n\\nTo: XXXX XXXX XXXX Customer Support / Escalations\\nFrom: XXXX XXXX\\nDate: XX/XX/XXXX\\n\\nDear XXXX XXXX XXXX Escalations Team,\\n\\nI am writing to formally escalate my previous request for the official 15-digit ACH Trace Numbers (IMAD/OMAD) for two critical electronic payments made from my XXXX XXXX XXXX account (ending in XXXX) to my Wells Fargo XXXX XXXX (ending in XXXX).\\n\\nI recently spoke with a XXXX XXXX XXXX  representative via live chat regarding this issue. I was incorrectly told that because a claim was previously opened, the trace IDs were \"removed from the list\" and could no longer be provided.\\n\\nThis is factually incorrect and unacceptable. Filing a dispute does not erase a transaction from the Federal Reserves ACH network. Under the Bank Secrecy Act and Regulation E, XXXX XXXX XXXX is legally required to maintain accurate transaction records and provide them to customers upon request.\\n\\nI am in an active regulatory dispute with Wells Fargo via the Consumer Financial Protection Bureau (CFPB). Wells Fargo is claiming these funds were never delivered. I must have the specific, 15-digit Federal Reserve trace numbers to prove that the funds successfully cleared XXXX XXXX XXXX and were routed to the correct Wells Fargo receiving account. Standard bank statements are not sufficient for this legal proceeding; I need the actual trace data.\\n\\nPlease immediately provide the 15-digit ACH Trace IDs for the following cleared transactions:\\n\\nXX/XX/XXXX5: $XXXX (Automatic Payment)\\n\\nMarch 30, 2025: $XXXX (Bill Pay Payment)\\n\\nIf I do not receive an official trace report containing these specific 15-digit numbers within 48 hours, I will be forced to file a formal complaint against XXXX XXXX XXXX with the Office of the Comptroller of the Currency (OCC) for withholding critical transaction data and providing false information regarding the retention of Federal Reserve banking records.\\n\\nI expect this to be routed to your back-office ACH or Wire tracking department immediately.\\n\\nSincerely,\\n\\nXXXX XXXXi\\n[Your Phone Number]\\nXXXX XXXX XXXX Account: XXXX XXXX XXXX\\n\\nYou said\\nI want the ACH Trace IDs for all Wells Fargo related transactions\\n\\nXXXX said\\nHere is a comprehensive, escalated email draft for XXXX XXXX XXXX. This expands your request to cover every single Wells Fargo and Bilt-related transaction across your credit card, auto loan, and rent payments.\\n\\nBy demanding the trace for all of them, you are forcing their back-office to provide a complete ledger of routing data, which will prove exactly where Wells Fargo\\'s system failed.\\n\\nSubject: URGENT ESCALATION: Comprehensive ACH Trace Request for All Wells Fargo & XXXX Transactions (XXXX XXXX)\\n\\nTo: XXXX XXXX XXXX Customer Support / Escalations / ACH & Wire Department\\nFrom: XXXX XXXX\\nDate: XX/XX/XXXX\\n\\nDear XX/XX/XXXX Escalations Team,\\n\\nI am writing to formally escalate a critical request for official banking records. I am currently engaged in a severe regulatory dispute with Wells Fargo regarding misapplied and uncredited funds.\\n\\nBecause Wells Fargo is explicitly denying receipt of thousands of dollars that successfully cleared my XX/XX/XXXXBanking account (ending in XX/XX/XXXX), standard bank statements are no longer sufficient for my legal counsel or the Consumer Financial Protection Bureau (CFPB).\\n\\nUnder the Bank Secrecy Act and Regulation E, I am legally entitled to the Federal Reserve tracking data for my outbound transfers. I formally demand the 15-digit ACH Trace Numbers (IMAD/OMAD) and the receiving destination routing/account details for every transaction listed below.\\n\\nPlease provide the official trace IDs for the following cleared payments:\\n\\nSECTION 1: The Disputed Wells Fargo Credit Card Payments (Critical Priority)\\n\\nXX/XX/XXXX: $XXXX (Automatic Payment)\\n\\nXXXX: $XXXX (Bill Pay Payment - Uncredited by Wells Fargo)\\n\\nSECTION 2: XXXXProtect / Rent ACH Transfers (Processed via XXXX/Wells Fargo)\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\n1XX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nSECTION 3: Wells Fargo Auto Loan Drafts\\nPlease provide traces for the following to rule out cross-account contamination by the receiving institution.\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nSECTION 4: Historical & Recent Wells Fargo Credit Card Payments\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX $XXXX\\n\\nXX/XX/XXXX: $XXXX2\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXXn\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX  (AutoPay Attempt)\\n\\nXX/XX/XXXX: $XXXX (AutoPay Retry)\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXXn\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX $XXXX\\n\\nA previous representative incorrectly informed me that because a claim was opened, trace IDs are \"removed from the list.\" That is a violation of federal record retention laws. Filing a dispute does not erase a transaction from the Federal Reserves network.\\n\\nI require this official trace report to be generated and provided to me in writing immediately. If XXXX XXXX XXXX continues to withhold this documentation, I will file a formal complaint with the Office of the Comptroller of the Currency (OCC) regarding the bank\\'s refusal to provide transaction records during an active federal dispute.\\n\\nSincerely,\\n\\nXXXX XXXX\\n[Your Phone Number]\\nXXXX XXXX XXXX  Account: XXXX XXXX XXXX\\n\\nYou said\\nWhat would be a fair resolution?\\n\\nXXXX said\\nA fair and comprehensive resolution for a systemic bank error of this magnitude generally includes four main pillars: restitution, credit restoration, transparency, and compensation.\\n\\n1. Complete Ledger Restitution (Making You Whole)\\nThe absolute baseline is correcting the mathematical error as if it never happened.\\n\\nRetroactive Crediting: The missing $XXXX payment must be credited to the account with an effective date of XX/XX/XXXX.\\n\\nFee and Interest Reversal: Every single finance charge, interest fee (including the repeated $XXXX monthly interest charges), and late fee that cascaded from the failure to credit the original payment must be permanently waived and removed from the balance.\\n\\n2. Credit Profile Restoration\\nBecause the bank falsely reported an inflated balance and likely reported the account as delinquent, your credit profile took a hit that was entirely manufactured by the bank\\'s system.\\n\\nBureau Updates: Wells Fargo must electronically submit an immediate, off-cycle correction to all three major credit bureaus (XXXX XXXX XXXX XXXX).\\n\\nData to Fix: They must remove any derogatory marks for late payments and correct the artificially high credit utilization ratio caused by the $XXXX \"double-counted\" balance.\\n\\n3. Transparency and Acknowledgment\\nYou have spent months fighting automated denials. A fair resolution requires the bank to officially own the mistake.\\n\\nFormal Letter of Error: A written statement from the Wells Fargo Executive Office explicitly acknowledging that the missing funds were the result of an internal bank processing error and not consumer negligence.\\n\\nDocumentary Proof: Delivery of the actual trace and ledger audit you requested, proving the internal suspense account issue has been identified and fixed so it does not happen again.\\n\\nAuto Loan Clearance: Written confirmation that your $XXXX monthly auto loan drafts were properly segregated and never cross-contaminated by the credit card ledger failure.\\n\\n4. Monetary Compensation (Goodwill)\\nWhile you previously avoided asking for compensation to force the investigation to focus strictly on the missing funds, it is standard practice in CFPB escalations to request damages once the bank admits fault.\\n\\nTime and Hardship: Fighting a $XXXX accounting error requires significant time, stress, and potential legal consultation. Banks frequently issue a direct \"goodwill credit\" (typically ranging from $XXXX to $XXXX) for severe administrative failures to avoid further regulatory scrutiny.\\n\\nLost Yield: Because Wells Fargo effectively held your $XXXX in a suspense account for months, you were deprived of the ability to use or earn interest on that money. Requesting a credit equivalent to a standard high-yield savings rate for the duration the funds were missing is an objectively fair and mathematically sound demand.\\n\\nYou said\\nIf Wells Fargo returns to the CFPB and says my complaint is a duplicate what do I do? 1. Draft a PHONE script for a call with Wells Fargo 2. Draft a comprehensive report to a lawyer\\n\\nXXXX said\\nIf Wells Fargo attempts to close your new CFPB complaint by labeling it a \"duplicate,\" they are using a well-known administrative loophole to avoid conducting the deep-dive investigation you are demanding. They do this because their frontline staff cannot process requests for General Ledger (GL) extracts or internal suspense account audits.\\n\\nYou must immediately attack this classification. Here is your two-part strategy: a phone script to verbally force the case open, and a comprehensive brief to hand to a consumer protection attorney if Wells Fargo continues to stonewall.\\n\\nPART 1: The \"Not a Duplicate\" Phone Script (Wells Fargo Executive Office)\\nPreparation: Call the Executive Office directly (XXXX). Do not let them transfer you back to standard customer service.\\n\\nThe Opening (Taking Control):\\n\\n\"Hello, my name is XXXX XXXX. I am calling regarding my XXXX XXXX, account ending in XXXX. I see that your office is attempting to close my recent CFPB complaint by classifying it as a \\'duplicate.\\' I am calling to put on the official recorded line that this is factually incorrect, and closing it will be considered a refusal to investigate under the Fair Credit Billing Act.\"\\n\\nIf the Rep Says: \"You already filed a dispute about this missing payment.\"\\n\\n\"My previous dispute was a standard consumer billing inquiry. This new complaint is a formal, statutory demand for documentary production. I have provided new, irrefutable evidence from the Federal Reserve network proving the $XXXX payment cleared. I am not asking you to \\'look into\\' the payment again. I am legally demanding your back-office accounting department produce the exact General Ledger extract and the unapplied funds query that I requested. Customer service cannot fulfill this request, which is why it cannot be closed as a duplicate.\"\\n\\nIf the Rep Says: \"Our system shows no payment was received, so there is nothing to trace.\"\\n\\n\"Your front-facing system is experiencing a calculation error, which is the entire basis of this complaint. My external bank records prove the funds were delivered to Wells Fargo. If your system cannot find the funds, they are sitting in an internal suspense account. Under federal law, you are required to conduct a reasonable investigation. Looking at the same broken statement screen is not a reasonable investigation. I need this escalated to your legal or compliance department to run a trace on the 15-digit Federal Reserve ACH ID.\"\\n\\nThe Closing Demand:\\n\\n\"I want the notes on this file updated right now to state: \\'The consumer denies this is a duplicate complaint. The consumer has introduced new external banking evidence and has made a formal demand for a General Ledger audit and suspense account trace.\\' If this case is closed without producing the requested internal trace data, my next step is litigation for FCBA violations.\"\\n\\nPART 2: Comprehensive Report for Your Attorney\\nIf Wells Fargo refuses to budge, it is time to hire a consumer financial litigation attorney (look for attorneys specializing in FCBA and FCRA violations). Hand them this exact brief so they can immediately draft a Demand Letter or file suit without spending hours decoding your statements.\\n\\nCONFIDENTIAL CLIENT MEMORANDUM & CASE BRIEF\\nTo: [Attorney Name]\\nFrom: XXXX XXXXi & XXXX XXXX\\nSubject: Systemic Ledger Failure, FCBA Violations, and Withheld Funds by Wells Fargo N.A.\\nDate: XX/XX/XXXX\\n\\n1. Executive Summary\\nI am seeking legal representation to compel Wells Fargo Bank, N.A. to correct a catastrophic mathematical error on my Bilt World Elite Mastercard (Account ending in XXXX). On XXXX XXXX XXXX, I initiated a $XXXX payoff from my XXXX XXXX XXXX checking account. The funds successfully cleared the Federal Reserve. Wells Fargo failed to credit my ledger, subsequently \"double-counting\" my next billing cycle, resulting in an erroneous reported balance of $XXXX. Wells Fargo has repeatedly refused to conduct a reasonable investigation, refused to query their suspense accounts, and has stonewalled my CFPB complaints by classifying them as \"duplicates.\"\\n\\n2. Account Details\\n\\nCreditor: Wells Fargo Bank, N.A. (XXXX XXXX)\\n\\nAccount Number: Ending in XXXX\\n\\nFunding Bank: XXXX XXXX XXXX XXXX. (XXXX XXXX XXXX ending in XXXX)\\n\\nDisputed Amount: $XXXX (Missing principal) + cascading interest/fees.\\n\\n3. Timeline of the Accounting Failure\\n\\nXX/XX/XXXX: Wells Fargo statement generates with a verified, undisputed balance of $XXXX.\\n\\nXX/XX/XXXX: A Bill Pay payment of exactly $XXXX is initiated and successfully clears the XXXX XXXX XXXX checking account.\\n\\nXXXX XXXX XXXX: A new, authorized charge of $XXXX (XXXX XXXX) posts to the Wells Fargo account.\\n\\nXX/XX/XXXX: Wells Fargo generates a new statement with a mathematically impossible balance of $XXXX. The system added the new charge ($XXXX) to the old balance ($XXXX) and completely failed to deduct the $XXXX  payment that cleared on XX/XX/XXXX.\\n\\n4. Exhaustion of Administrative Remedies & Bank\\'s Breach\\nI have made every good-faith effort to resolve this directly with the institution, exhausting all standard administrative channels:\\n\\nI submitted official XX/XX/XXXX statements proving the funds successfully left my account.\\n\\nI formally escalated the issue to the Wells Fargo Executive Office via the CFPB.\\n\\nWells Fargo responded with automated, generic denials claiming the payment was \"uncredited\" or \"returned,\" directly contradicting external banking records.\\n\\nI submitted a formal demand for Wells Fargo to produce a backend General Ledger (GL) extract and to audit their unapplied funds/suspense accounts using the Federal Reserve ACH Trace IDs.\\n\\nWells Fargo responded by attempting to close the investigation as a \"duplicate\" inquiry, effectively refusing to look beyond their front-facing, flawed consumer interface.\\n\\n5. Causes of Action to Explore\\n\\nFair Credit Billing Act (FCBA) / Regulation Z: Failure to conduct a \"reasonable investigation\" of a documented billing error. Relying on a flawed internal screen when presented with conflicting Federal Reserve clearing data is inherently unreasonable.\\n\\nFair Credit Reporting Act (FCRA): Reporting an artificially inflated balance and/or delinquency to the credit bureaus when the bank is in possession of cleared funds.\\n\\nBreach of Contract: Failure to accurately apply remitted funds to the credit account principal as dictated by the cardholder agreement.\\n\\n6. Evidence Inventory Available for Review\\n\\nWells Fargo XX/XX/XXXX Statement: Establishes the $XXXX  baseline.\\n\\nWells Fargo XX/XX/XXXX Statement: Proves the double-counting math error ($XXXX).\\n\\nXXXX XXXX XXXX XX/XX/XXXX Statement: Proves the $XXXX funds cleared the sending institution.\\n\\nBilt App Ledger Receipt: Shows the XXXX interface recognized the payment, isolating the failure to Wells Fargo\\'s backend processing.\\n\\nCFPB Correspondence: Documenting Wells Fargo\\'s refusal to provide the requested GL trace.\\n\\n7. Desired Outcome\\nI am requesting that your firm issue a formal Demand Letter to Wells Fargo\\'s Office of the General Counsel to bypass their automated customer service loops. I require:\\n\\nImmediate location of the $XXXX  in their suspense accounts and retroactive application to my ledger.\\n\\nPermanent reversal of all cascading interest and late fees.\\n\\nElectronic, off-cycle correction of all credit bureau reporting.\\n\\nCompensation for legal fees, time, and statutory damages for failing to conduct a reasonable investigation.\\n\\nYou said\\nCraft a followup to the Cfpb against XXXX XXXX XXXX for non-response\\n\\nXXXX said\\nTo escalate this with the Consumer Financial Protection Bureau (CFPB) and ensure XXXX XXXX XXXX XXXX is held accountable for their non-response and the misinformation provided by their representatives, you should file a follow-up/supplemental comment to your existing complaint or start a new one if the first was closed.\\n\\nBelow is a draft that weaponizes the Electronic Fund Transfer Act (Regulation E) to force their hand.\\n\\nCFPB Follow-Up Complaint: XXXX XXXX XXXX\\nSubject: URGENT: Refusal to Provide Statutory Transaction Records (ACH Trace IDs) - Regulation E Violation\\n\\nTo the CFPB Investigator:\\n\\nI am filing this follow-up because XXXX XXXX XXXX has been non-responsive to my formal requests and is actively withholding critical transaction data needed to resolve a major financial dispute with a third-party institution (Wells Fargo).\\n\\n1. The Failure to Provide Documentation:\\nOn XX/XX/XXXXand XX/XX/XXXX, I sent formal written requests to XXXX XXXX XXXX XXXX XXXX and ACH departments requesting the 15-digit ACH Trace Numbers (IMAD/OMAD) for a series of cleared payments (totaling over $XXXX) made to Wells Fargo.\\n\\nDespite multiple follow-ups, XXXX XXXX XXXX has failed to provide these records. Furthermore, their live chat representatives provided demonstrably false information, stating that trace IDs are \"removed from the list\" once a dispute is filed. This is a blatant misrepresentation of banking record retention requirements.\\n\\n2. Regulatory Violation (Regulation E):\\nUnder 12 CFR  1005.11 (Regulation E), financial institutions are required to investigate alleged errors and provide the consumer with the documents they relied upon for their determination. By withholding the ACH Trace IDswhich are the only legal digital proof that funds were successfully delivered to the receiving institutionXXXX XXXX XXXX is obstructing my ability to locate missing funds and is in violation of its duty to provide accurate transaction records.\\n\\n3. Critical Transactions Withheld:\\nI require the 15-digit Federal Reserve Trace IDs for the following payments initiated from my account ending in XXXX:\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXXXX XXXX/Wells Fargo payments from XX/XX/XXXX toXX/XX/XXXX (detailed in the attached correspondence).\\n\\nRequested Resolution:\\nI demand that the CFPB compel XX/XX/XXXX Legal and Compliance Department to immediately produce an official ACH Trace Report containing the 15-digit IMAD/OMAD numbers and the confirmed destination routing/account details for every transaction listed in my attached request.\\n\\nHow to Submit This Effectively:\\nUpload the Proof: Attach the file you just shared with me (XXXX to the CFPB portal. This proves you have done your part in asking nicely.\\n\\nHighlight the XXXX Chat: If you have those screenshots of the agent saying records are \"removed,\" upload them too. This proves bad faith on XXXX\\'s part.\\n\\nCross-Reference: If you have an active case against Wells Fargo, include that case number in the text so the investigator sees the \"missing money\" connection.\\n\\nPro-Tip: The \"Executive\" Email Strike\\nWhile the CFPB works, send the exact text above to XXXX Executive Client Care team to light a fire under them:\\n\\nXXXX XXXX (XXXX XXXX XXXX XXXX): XXXX\\n\\nXXXX XXXX XXXX XXXX XXXX XXXX: XXXX\\n\\nWould you like me to draft a specific \"Demand for Records\" letter for you to mail via Certified Mail to their Corporate Center in Charlotte? This often gets a faster response than email because it triggers their internal legal \"litigation hold\" process.\\n\\nYou said\\nThe focus should be on their customer service and lack of prompt response and acknowledgement of customer\\'s request and emails.\\n\\nXXXX said\\nTo maximize pressure on XXXX XXXX XXXX XXXX), you should now transition from informal follow-ups to a formal Demand for Transaction Records. This draft is designed for Certified Mail (to create an indisputable legal record) and specifically targets the bank\\'s failure to provide required documentation under Regulation E.\\n\\nCertified Mail Demand Letter\\nTo:\\nXXXX XXXX XXXX, N.A.\\nXXXX XXXX XXXX XXXX XXXX, NC XXXX\\n\\nDate: XX/XX/XXXX\\nSent Via: Certified Mail - Return Receipt Requested\\nRe: Statutory Demand for Transaction Records  Account Ending in XXXX\\n\\nTo the Office of the General Counsel / Executive Client Care:\\n\\nThis is a formal demand for the immediate production of internal transaction records, specifically the 15-digit ACH Trace Numbers (IMAD/OMAD), for a series of payments initiated from my account ending in XXXX.\\n\\nTo date, your customer service departments have been non-responsive or have provided demonstrably false information. On [Insert Date], a representative incorrectly stated that these records are \"removed\" once a dispute is filed. This is a direct violation of federal record retention and error-resolution requirements under 12 CFR  1005.11 (Regulation E).'","date_sent_to_company":"2026-03-10T15:57:01.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"085XX","tags":null,"has_narrative":true,"complaint_id":"20130278","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-10T15:53:08.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["Relying on a flawed internal screen when presented with conflicting Federal Reserve clearing <em>data</em> is inherently unreasonable.\\n\\nFair Credit <em>Reporting</em> Act (FCRA): <em>Reporting</em> an artificially inflated balance and/or delinquency to the credit bureaus when the bank is in possession of cleared funds.\\n\\n<em>Breach</em> of Contract: Failure to accurately apply remitted funds to the credit account principal as dictated by the cardholder agreement.\\n\\n6."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[8.97773,"20130278"]},{"_index":"complaint-public-v1","_id":"5160431","_score":7.640048,"_source":{"product":"Debt collection","complaint_what_happened":"Reference : Supporting Documentation for - Dispute Report XXXX, Generated XX/XX/XXXX. XXXX XXXX XXXX Account # XXXX Dear CFPB, I am submitting supporting documentation regarding the Formal Complaint I filed Without Prejudice on Friday, XX/XX/XXXX, at XXXX XXXX. via email to ( XXXX ) regarding ( TD Bank NA/TD Retail Card Services ). On the same day I received a response from; XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX chairmansservicecenter @ td On XX/XX/XXXX, at XXXX XXXX., I had a missed call from someone by the name of XXXX XXXX not sure of the spelling ) claiming to be from TD Bank NA XXXX XXXX XXXX, ( see above ). The number did not match the number above for the Customer Complaints Office, instead it was a private number ( XXXX ). The Customer Complaints Office acknowledged safe receipt of my Formal Complaint, on XX/XX/XXXX, at XXXX XXXX via email. I phoned the number left by XXXX ; 1. He didnt answer TD Bank Complaints Office 2. He didnt provide a file or complaint reference number 3. He claimed to have my complaint in front of him, yet asked me what happened 4. He proceeded to add to my narrative with things I didnt say or write 5. I asked XXXX where his office was, he said Florida 6. I asked XXXX what department, he said he worked in the XXXX Department 7. He didnt inform me the conversation was being recorded but I could hear what sounded like a recorder, lots of beeping. \n8. I told him I received a private text from a TD Bank employee/debt collector not related to debt collection and he asked for the name and number of that person. I told him I did not feel comfortable doing that and would have to consult with my attorney. He responded by saying Then I dont want to talk about it anymore if youre not going to provide me with that information. \n\n\nTD Bank XXXX XXXX XXXX Timeline XXXX. XX/XX/XXXX, at XXXX p.m. complaint submission via email 2. XX/XX/XXXX, at XXXX a.m. XXXX XXXX XXXX acknowledged safe receipt of complaint via email 3. XX/XX/XXXX, at XXXX a.m. received a call from XXXX claiming to be from the XXXX XXXX XXXX 4. XX/XX/XXXX, I received an update from XXXX my dispute has been resolved This is neither feasible or logical, not to mention possible and makes absolutely no sense. The probability of a Formal Complaint like mine with so much content and details could be resolved in less than ( 10 ) days. \nTD Bank has failed in their duty of care regarding my Consumer and Civil Rights from start to finish. They have been ; 1. Deceitful 2. Egregious 3. Blatant 4. Purposely Mis-leading 5. Abominable 6. Nefarious 7. Rude 8. Intrusive 9. Combative 10. Disrespectful 11. Faulty 12. Mean 13. Fraudulent 14. Double-dealing 15. Malicious 16. Untrustworthy, untruthful 17. Insidious 18. Ambiguous 19. Unempathetic This is unacceptable considering for more than ( 2 ) plus years I have been a loyal customer, never late and never having missed a payment. In addition and considering TD Bank offered to help ALL those affected by the COVID-19 Pandemic which did not apply to me and is discriminatory no matter the reason, which has caused me significant mental and health problems as a result.\n\nThe following is a recap of events 1. I phoned TD Card Services on XX/XX/XXXX and explained due to the COVID-19 Pandemic I had suffered a substantial decrease in my business revenue and struggling to pay my monthly payment of ( {$250.00} ) a month. Whilst I paid XXXX payment I asked if I could have a deferment and was told NO, when asked why I was told I already had one and TD Bank NA only allows ONE. When I asked if TD Bank had any other Hardship Programs available under the CARE ACT I was told NO. At the time of that phone call, I was CURRENT with my account having never been late or had any missed payments. \nA. Please see the CARE ACT AMENDED FCRA Signed into FEDERAL LAW by then President Trump in XX/XX/XXXX. \nB. Please see copies of several TD Bank web pages regarding their commitment to customers during the COVID-19 Pandemic, including but not limited to ; a. Deferments b. Forbearance Programs c. The Workout Program d. Hardship Program 2. I phoned TD Card Services on XX/XX/XXXX, because my payment was due the next day XX/XX/XXXX and again ask if TD Bank had any COVID-19 Pandemic programs that could help me because my business continued to struggle due to loosing 98 % of my customer base and business income because of the COVID-19 Pandemic, and again was told NO. Again, under the CARE ACT I was in good standing, having never missed or late with my payment. I asked if I should close my account and was told I could, and the agent closed it during the conversation. I wasnt offered any other alternatives and or advice regarding my account and requested to speak to someone else and was subsequently transferred to customer service. A customer service representative with a very heavy Spanish accent came online and I again explained my situation and asked for deferment and was again told NO. I asked if there were ANY other programs available to me and was told I could apply for the Forbearance Program, she explained ; a. The program would entail, dividing the balance on the account at the time, ( {$5500.00} ) divided by ( 60 ) months the maximum allowed by TD Bank and my payments would be ( {$92.00} ) a month. \nb. I told her I could afford that as opposed to my regular payment of ( {$250.00} ) and wanted to move forward with the process. \nc. The customer service representative put me on hold to get a manager/supervisor and tried several, but no one was available. \nd. The customer service representative apologized and told me she noted my account with everything we spoke about and would send an email to the manager/supervisor regarding the Forbearance Program and told me a SUPERVISOR in that department would call me within 24 hours and 1-3 days at the most.\n\nAgain, my account at the time of the above conversation was not in DEFAULT nor was it DELIQUENT. I waited ( 24 ) hours, ( 48 ) hours, ( 72 ) hours and did not receive a call from a SUPERVISOR from the FORBEARANCE DEPARTMENT, until ( 720 ) hours later, ( 30 ) days later. After completing the application with the agent, I was DENIED after waiting and having called to many times to count to resolve this issue. During one of the many calls to TD Card Services I was transferred to Foster in accounts and again explained my situation and asked ; a. If TD Bank participated in any CARE ACT programs and got no response b. Foster told me it was TD Banks responsibility to report my account DELIQUENT regardless of any circumstances.\n\nc. I explained I waited ( 30 ) days for a SUPERVISOR in the FORBEARANCE DEPARTMENT to call me back and had I received a call when TD Bank said I would I had enough income to qualify for the program.\n\nd. When I asked for call recordings to substantiate my claim Foster told me I couldnt have them, when asked why he told me its in the agreement I signed when I opened the account.\n\nFurthermore, TD Bank has violated the following CFPB, FTC, Consumer Right/s Federal and NC Laws ; a. 75, 52 Harassment b. 75 54, Deceptive Representation c. FDCPA, 805 Communication in Connection with Debt Collection 1. ( 8 ) Communicating with the consumer in violation of the provisions of G.S. 62 159.1 ( a ), 153A 277 ( b1 ), or 160A 314 ( b1 ). ( 1977, c. 747, s. 4 ; 2009 302, s. 5 ; 2015 177, s. 3. ) C. FDCPA - 809. Validation of debts 1.\n\nD. No debt collector shall collect or attempt to collect a debt or obtain information concerning a consumer by any fraudulent, deceptive, or misleading representation. Such representations include, but are not limited to, the following : E. ( 1 ) Communicating with the consumer other than in the name ( or unique pseudonym ) of the debt collector and the person or business on whose behalf the debt collector is acting or to whom the debt is owed.\n\nF. ( 2 ) Failing to disclose in all communications attempting to collect a debt that the purpose of such communication is to collect a debt, unless the communication is made to a third party pursuant to G.S. 75 53 for the purpose of obtaining location information about the debtor G. ( c ) CEASING COMMUNICATION. 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, except- H. ( 1 ) To advise the consumer that the debt collector 's further efforts are being terminated ; I. 15 USC 1692e, 807 15 USC 1692e, ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\nJ. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.\n\nFDCPA - 809. Validation of debts ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original credit- 15 USC 1692g ( e ) The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by the Internal Revenue Code of 1986, title V of Gramm-Leach-Bliley Act, or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 810. Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer 's directions. 15 USC 1692h After closing my account, I would receive approximately ( 3 ) debt collection calls and several Robo calls a day whilst waiting for the Supervisor from the Forbearance Department. On one of those calls I received a call from XXXX, ( not positive about name ) and asked the agent to please stop talking for a minute because I didnt feel well and wasnt up to talking at the moment, I told him I wasnt well and he was scaring me and I was extremely uncomfortable with his tone, aggression and obtuse nature. He wouldnt stop or offer to call me back, eventually I BEGGED him to stop and had to hang up. \nOn XX/XX/XXXX, at XXXX p.m. I received a text message from a private number I didnt recognize but later confirmed it was from a TD Bank XXXX ( employee/debt collector ). \na. Is this XXXX XXXX? \nb. I would never done this, but The Father told me to send you this, I will always be here for you XXXX! \nThe text message was unsolicited and a Violation of my Right to Privacy. \nMany thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX Dispute ) XXXX, CFPB, North Carolina Attorney Generals Office","date_sent_to_company":"2022-01-28T16:56:45.000Z","issue":"Communication tactics","sub_product":"Other debt","zip_code":"28270","tags":null,"has_narrative":true,"complaint_id":"5160431","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2022-01-28T16:38:39.000Z","state":"NC","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["Reference : Supporting Documentation for - Dispute <em>Report</em> XXXX, Generated XX/XX/XXXX. XXXX XXXX XXXX Account # XXXX <em>Dear</em> <em>CFPB</em>, I am submitting supporting documentation regarding the Formal <em>Complaint</em> I filed Without Prejudice on Friday, XX/XX/XXXX, at XXXX XXXX. via email to ( XXXX ) regarding ( TD Bank NA/TD Retail Card Services )."]},"sort":[7.640048,"5160431"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":5,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":5}]}},"product":{"doc_count":5,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other debt","doc_count":1}]}}]}},"issue":{"doc_count":5,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2}]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":1}]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged too much interest","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":1}]}}]}},"timely":{"doc_count":5,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":5}]}},"company_response":{"doc_count":5,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with non-monetary relief","doc_count":3},{"key":"Closed with explanation","doc_count":2}]}},"submitted_via":{"doc_count":5,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":5}]}},"company":{"doc_count":5,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"Possible Financial Inc","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":5,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":2},{"key":"CA","doc_count":1},{"key":"NC","doc_count":1},{"key":"NJ","doc_count":1}]}},"company_public_response":{"doc_count":5,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":2},{"key":"Company disputes the facts presented in the complaint","doc_count":1}]}},"tags":{"doc_count":5,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}