{"took":203,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":69,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11268180","_score":16.057257,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Narrative Complaint Against Experian Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their inaccurate reporting practices, which have adversely affected my credit profile. My experience with Experian has raised serious concerns about their compliance with the Fair Credit Reporting Act, particularly the provisions ensuring accuracy and fairness in credit reporting.\n\nI reviewed my credit report from Experian and noticed discrepancies that I believe violate 15 U.S. Code 1681. Specifically, Experian failed to update my credit report to reflect my timely payment made in XXXX for my credit card account. Despite my account being reported on the XXXX XXXX XXXX XXXX, the XXXX payment was not reflected, leading to a negative impact on my credit score.\n\nI have made several attempts to address this issue directly with Experian through their dispute resolution process. However, my efforts have been met with inadequate responses, and the inaccuracies remain uncorrected. This situation has not only affected my credit score but has also hindered my ability to secure financial products that depend on a fair and accurate credit report.\n\nAs a consumer, I rely on Experian to provide accurate information that reflects my creditworthiness. The lack of proper reporting not only undermines my financial stability but also violates the principles set forth by Congress regarding the necessity of accurate credit reporting for the functioning of the banking system.\n\nI respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian adheres to the requirements of the Fair Credit Reporting Act. Furthermore, I urge you to facilitate the correction of my credit report to reflect the accurate information regarding my payment history.\n\nThank you for your attention to my complaint. I look forward to your swift response and resolution of this matter.\n\nSincerely,","date_sent_to_company":"2024-12-24T14:25:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"11268180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-24T14:21:30.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> <em>Consumer</em> <em>Financial</em> Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : <em>Narrative</em> <em>Complaint</em> Against Experian <em>Dear</em> <em>Consumer</em> <em>Financial</em> Protection Bureau, I am writing to file a formal <em>complaint</em> against Experian regarding their inaccurate reporting practices, which have adversely affected my credit profile."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.057257,"11268180"]},{"_index":"complaint-public-v1","_id":"17259011","_score":15.678338,"_source":{"product":"Student loan","complaint_what_happened":"My apologies! You are absolutely right. The context is fresh, and I should have recalled the instructions immediately.You need a draft for the formal complaint that you will submit to the XXXX Ombudsman XXXX and the Consumer Financial Protection Bureau ( CFPB ). This is not a letter to MOHELA, but a formal submission to federal oversight agencies.The template below is designed to be copied and pasted into the online complaint forms for the FSA Ombudsman ( via StudentAid.gov/feedback ) and the CFPB ( via consumerfinance.gov/complaint ), as these systems often limit formatting but require a clear, factual narrative. Formal Complaint Narrative for XXXX XXXX XXXX text summarizes your issue and provides the crucial details required by federal regulators. You will submit this to both the FSA Ombudsman and the XXXX Servicer : MOHELAYour Account Number : [ Your MOHELA Account Number - e.g., XXXX ] Desired Resolution : Immediate enrollment in XXXX ( Income-Based Repayment ) with an effective date of XX/XX/2025, and confirmation that all months spent in administrative forbearance since that date will be retroactively counted toward XXXX XXXX Details : Failure to Process XXXX Enrollment Under New LawDate of Initial Request : XX/XX/2025 ( Submitted via Secure Message and Fax ) Servicer 's Deadline : Approx. XX/XX/2025 ( Based on XXXX automated response ) Full Narrative : I am filing this complaint because my loan servicer, MOHELA, has failed to process my enrollment into the Income-Based Repayment ( IBR ) plan, despite receiving my formal application over 90 days ago. I am currently in an Administrative Forbearance that is preventing me from earning credit toward my XXXX IDR forgiveness.Legal Eligibility & Servicer Failure : On XX/XX/2025, I submitted an IBR enrollment XXXX via both MOHELA 's XXXX Message portal and Fax. This request explicitly cited the XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX ), which became effective on XX/XX/2025, and removes the Partial Financial Hardship ( PFH ) requirement for existing borrowers to enroll in XXXX. My submission also referenced the Department of Education 's own guidance, Dear Colleague Letter ( DCL ) XXXX ( dated XX/XX/2025 ) .Processing Delay : I received an automated response from MOHELA indicating XXXX XXXX processing window for my request. This window expired around XX/XX/2025. On [ Today 's Date : XX/XX/2025 ], I received another notice confirming that my application is still processing. This is a failure to meet the servicer 's own stated deadline.Harm to Borrower : This delay is financially harmful because : Lost Forgiveness Credit : The time I have spent in this extended Administrative Forbearance ( since XX/XX/2025 ) does not count toward my required XXXX payments for XXXX forgiveness.Overpayment of Interest : While in forbearance, I have been making voluntary payments of approximately {$1300.00} per month to cover accruing interest and some principal. I am currently willing to pay the higher, capped XXXX payment ( estimated at $ XXXX {$1600.00} $ ) but am unable to do so formally to resume my forgiveness count.","date_sent_to_company":"2025-11-14T13:43:05.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"81504","tags":null,"has_narrative":true,"complaint_id":"17259011","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2025-11-14T13:38:07.000Z","state":"CO","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["The context is fresh, and I should have recalled the instructions immediately.You need a draft for the formal <em>complaint</em> that you will submit to the XXXX Ombudsman XXXX and the <em>Consumer</em> <em>Financial</em> Protection Bureau ( CFPB )."]},"sort":[15.678338,"17259011"]},{"_index":"complaint-public-v1","_id":"13582584","_score":15.1719055,"_source":{"product":"Debt collection","complaint_what_happened":"Product Debt collection Sub-product : Medical debt Issue False statements or representation Sub-issue : Attempted to collect wrong amount Consumer consent to publish narrative Consent provided Consumer complaint narrative Dear Consumer Financial Protection Bureau, I am filing a complaint against IC System for improperly reporting a medical debt to credit bureaus and failing to contact me or verify the accuracy of the debt before sending it to collections. I never received a Validation Notice or any other communication from them. I was never informed of the dates, services provide, or the amount. I am unclear as to what amount they thing I owe and how they arrived at these calculations. These amounts were conflicting IC Systems claiming {$3600.00} but then as reported on XXXX, the amount was {$3500.00}. I do not recognize either of these amounts. I believe their actions violate fair debt collection practices and have caused undue harm to my credit. IC System opened a collection account on my credit on XX/XX/XXXX for a medical debt. The agency never contacted me by mail, email, or telephone before reporting the debt to the credit bureaus. I believe, but do not know, that the debt relates to medical services provided by an entity and these services were improperly and negligently performed. For that reason, I disputed the charges with the credit card company who resolved the dispute in my favor. I can not verify this understanding because the amount reported to the credit agencies does not match the disputed bill. In XXXX of XXXX, I took XXXX  XXXX  to XXXX XXXX XXXX, which acted negligently, which resulted in harm to XXXX  XXXX. When XXXX XXXX XXXX attempted to bill my credit card for the services in question, I disputed the charges with my credit card company. The credit card company resolved the dispute in my favor. I considered the matter settled but then on XX/XX/XXXX I received a notice from my bank alerting me to new information on my credit report showing a delinquent account. The notice from my bank was the first and only notice that I have of this bill. On the same day I called IC Systems but all they would tell me is that the debt originated with XXXX an affiliate of XXXX XXXX  XXXX. They did not offer to provide any documentation to substantiate the debt, the amount, the services provided, etc. I have not received any follow up communication or information from IC System. \n\nImpact on My Credit : The medical debt was reported to credit bureaus without my knowledge and adversely affected my credit rating. I have always maintained an XXXX  credit score ( always in the XXXX ) so this experience is very distressing to me. I would like to have this bill withdrawn and deleted from my credit reports.","date_sent_to_company":"2025-05-19T21:07:15.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"33162","tags":"Older American","has_narrative":true,"complaint_id":"13582584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-05-19T20:47:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Product Debt collection Sub-product : Medical debt Issue False statements or representation Sub-issue : Attempted to collect wrong amount <em>Consumer</em> consent to publish <em>narrative</em> Consent provided <em>Consumer</em> <em>complaint</em> <em>narrative</em> <em>Dear</em> <em>Consumer</em> <em>Financial</em> Protection Bureau, I am filing a <em>complaint</em> against IC System for improperly reporting a medical debt to credit bureaus and failing to contact me or verify the accuracy of the debt before sending it to collections."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.1719055,"13582584"]},{"_index":"complaint-public-v1","_id":"14921709","_score":15.100746,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against Wells Fargo Regarding Mishandled Fraudulent Check Incident {$24000.00} Loss Dear CFPB Representative, I am filing this complaint against Wells Fargo Bank regarding a serious incident involving a fraudulent check deposit on XX/XX/year>, that led to a financial loss of {$24000.00} and subsequent harmful collection activity. \n\nOn that date, I deposited check # XXXX from XXXX XXXXXXXX XXXX in the amount of {$24000.00}. The next day, XX/XX/year>, I visited my Wells Fargo branch to express concern about the check 's legitimacy. Despite my clear warnings, the banker assured me the check had cleared, even showing me the banks internal system confirming the funds. Based on their guarantee, I requested and received a cashier 's check for the full amount. \n\nWeeks later, Wells Fargo reversed the transaction, stating the check was fraudulent. They are now attempting to recover the funds from me a victim of fraud who relied on their system and staff. The bank 's current narrative falsely suggests I ignored their warnings, which is simply not true. I proactively alerted them, but their reassurances led me to act in good faith. \n\nXXXX XXXX negligence has caused me not only financial harm but also emotional distress. I respectfully request that the CFPB investigate this matter and help ensure Wells Fargo : - Cancels the {$24000.00} charge from my account - Stops all collection activity and third-party actions - Removes any related negative credit reporting - Discloses their internal documentation about the deposit and funds availability - Issues a formal written apology acknowledging their mishandling Attached is my full response letter to Wells Fargo for reference. \n\nThank you for your assistance. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-28T20:48:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"331XX","tags":"Older American","has_narrative":true,"complaint_id":"14921709","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-07-28T20:40:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["XX/XX/year> <em>Consumer</em> <em>Financial</em> Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal <em>Complaint</em> Against Wells Fargo Regarding Mishandled Fraudulent Check Incident {$24000.00} Loss <em>Dear</em> CFPB Representative, I am filing this <em>complaint</em> against Wells Fargo Bank regarding a serious incident involving a fraudulent check deposit on XX/XX/year>, that led to a <em>financial</em> loss of {$24000.00} and subsequent harmful collection activity."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.100746,"14921709"]},{"_index":"complaint-public-v1","_id":"15734146","_score":14.333346,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear CFPB Enforcement Division, I submit this complaint against Crypto.com, a registered XXXX XXXX XXXX XXXX XXXX ), for violations of the Bank Secrecy Act ( BSA ), DoddFrank / Consumer Financial Protection Act ( XXXX ), the XXXX XXXX XXXX XXXX XXXX, and state-level consumer protection obligations. \nOn XXXX, XXXX, I filed a detailed complaint with Crypto.com regarding stolen funds XXXX XXXX laundered through their platform between XX/XX/XXXX XXXX XXXX, XXXX. Despite multiple follow-ups, Crypto.com has failed to respond, investigate, or take remedial steps. \nI. XXXXraud Description & Timeline IXXXX XX/XX/XXXX, I was first contacted online by individuals who falsely presented themselves as professionals in the medical industry. Leveraging fabricated credentials, persuasive narratives, and apparent legitimacy, they cultivated trust over a period of weeks. Through repeated communications, they gradually persuaded me to participate in what they described as a cryptocurrency investment opportunity offering secure, high-yield trading returns. In reality, this was a coordinated fraud scheme designed to extract funds via digital asset transfers. \nBetween XX/XX/XXXX and XX/XX/XXXX, acting under fraudulent inducement and misrepresentation, I executed a series of transactions through my Crypto.com account totaling XXXX XXXX ( approximately {$50000.00} USD at the time ) to the blockchain wallet address XXXX. The transfers were structured across multiple days, each bearing characteristics inconsistent with my historical account activity. \nShortly after receipt, the funds were dispersed across a chain of additional high-risk wallets commonly associated with layering and laundering activity. Blockchain analytics tools show that the onward transactions matched typologies consistent with money laundering red flags outlined by XXXX XXXX XXXX XXXX XXXX XXXX ) guidance, including rapid transfers, obfuscation of transaction trails, and routing through wallets with known fraudulent exposure.","date_sent_to_company":"2025-09-04T15:27:51.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"546XX","tags":null,"has_narrative":true,"complaint_id":"15734146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Foris DAX, Inc.","date_received":"2025-09-04T15:16:13.000Z","state":"WI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Dear</em> CFPB Enforcement Division, I submit this <em>complaint</em> against Crypto.com, a registered XXXX XXXX XXXX XXXX XXXX ), for violations of the Bank Secrecy Act ( BSA ), DoddFrank / <em>Consumer</em> <em>Financial</em> Protection Act ( XXXX ), the XXXX XXXX XXXX XXXX XXXX, and state-level <em>consumer</em> protection obligations. \nOn XXXX, XXXX, I filed a detailed <em>complaint</em> with Crypto.com regarding stolen funds XXXX XXXX laundered through their platform between XX/XX/XXXX XXXX XXXX, XXXX."]},"sort":[14.333346,"15734146"]},{"_index":"complaint-public-v1","_id":"16965521","_score":14.20959,"_source":{"product":"Mortgage","complaint_what_happened":"CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau Mortgage XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Loan Modification Discrepancy ( XXXX XXXX  XXXX Shellpoint Mortgage Servicing ) Dear CFPB Mortgage Servicing Review Team, I am submitting this formal complaint regarding a loan modification processed by XXXX XXXX  ( Shellpoint Mortgage Servicing ) on my XXXX XXXX mortgage. \nAfter successfully completing a three-month trial period at {$1700.00} per month, I was informed that my final modified payment would be {$2900.00}, which is nearly identical to my pre-modification payment of {$2900.00}. \nThroughout the trial period, I was told verbally by my account manager that the new permanent payment would be similar to the trial paymenteither slightly more, slightly less, or about the same. This repeated representation directly conflicts with the final result provided. \nThis sudden increase has caused severe financial distress and calls into question whether the servicer followed XXXX XXXX modification communication and calculation guidelines. I respectfully request the CFPBs review of this matter to ensure proper oversight and a fair resolution. \nAttached Supporting Documents : XXXX. Borrower Declaration of Verbal Representations and Communications XXXX. XXXXShellpoint XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Loan Modification Review Checklist Sincerely, XXXX XXXX XXXX XXXX Narrative ( for Online Submission ) Loan Type : Mortgage Loan Modification / Servicing Issue Servicer : XXXX XXXX  ( Shellpoint Mortgage Servicing ) Investor : XXXX XXXX XXXX # : XXXX Borrower : XXXX XXXX XXXX XXXX Narrative : I am requesting the Consumer Financial Protection Bureaus review of my recent loan modification process handled by XXXX XXXX  and Shellpoint Mortgage Servicing, with XXXX XXXX as the investor. \nAfter falling a month and half behind on my mortgage, I entered a trial period plan where I made three consecutive on-time payments of {$1700.00} as instructed by Shellpoints Loss Mitigation representative XXXX I was told multiple times by my assigned account manager, XXXX XXXX XXXX, that this trial amount would be similar to my new permanent payment, either slightly higher, slightly lower, or about the same. \nOn XX/XX/year>, after completing the trial successfully, I was informed that the final modified payment would be {$2900.00}, nearly identical to my original pre-modification payment of {$2900.00}. This was the first time I had been told of such a large increase. At no point during my trial period was I advised that the permanent payment could rise by more than {$1100.00} per month. \nThis discrepancy contradicts the repeated verbal representations I received from Shellpoint and Truists Loss Mitigation department. The sudden increase has caused significant financial hardship and has undermined my ability to recover from temporary financial distress, the very purpose for which the modification was pursued. \nI have acted in good faith throughout the process, completing all required trial payments on time and maintaining open communication. I am requesting that the CFPB review the servicing and communication practices of XXXX XXXX XXXX whether they complied with XXXX Macs XXXX XXXX, and ensure that corrective action is taken if misleading representations occurred. \nRequested Resolution : A full recalculation and written explanation of the modification terms ; Confirmation that verbal communications aligned with XXXX XXXX and CFPB servicing standards ; A fair adjustment or reinstatement option consistent with the trial payment representations.","date_sent_to_company":"2025-11-01T19:32:56.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"70119","tags":null,"has_narrative":true,"complaint_id":"16965521","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-11-01T19:03:59.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : <em>Consumer</em> <em>Financial</em> Protection Bureau Mortgage XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal <em>Complaint</em> Loan Modification Discrepancy ( XXXX XXXX  XXXX Shellpoint Mortgage Servicing ) <em>Dear</em> CFPB Mortgage Servicing Review Team, I am submitting this formal <em>complaint</em> regarding a loan modification processed by XXXX XXXX  ( Shellpoint Mortgage Servicing ) on my XXXX XXXX mortgage."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.20959,"16965521"]},{"_index":"complaint-public-v1","_id":"8531961","_score":13.146601,"_source":{"product":"Debt collection","complaint_what_happened":"It's evident that each time I lodge a complaint with CFPB, they respond by damaging my credit report. \n\n\nSubject : Urgent Complaint Warning : National Credit Systems Engages in Deceptive Practices Leading to Substantial Credit Score Reductions via {$1.00} Collection Balance Adjustments and Unauthorized Changes to Delinquency Dates. \n\nDear CFPB, I am writing to express my utmost frustration and anger regarding the relentless and deceitful practices perpetrated by National Credit Systems, which are wreaking havoc on my financial stability. \n\nAs of today, Tuesday, XX/XX/2024, I am once again appalled by National Credit Systems ' audacity in removing a collection account from my credit report, only to swiftly re-add it shortly afterward. This blatant disregard for honesty, often referred to as \" trashing the consumer 's credit report, '' is not just unacceptableit 's infuriating. Every time I attempt to hold them accountable by filing a complaint, they retaliate by sabotaging my credit report. \n\nThe manipulative tactics they employ, such as tampering with collection balances by minuscule amounts and unlawfully altering delinquency dates, have caused significant and unwarranted decreases in my credit score. These underhanded tactics, which have persisted unnoticed for over a year, have eroded the trustworthiness and accuracy of my credit report, leaving me utterly exasperated. \n\nThese alterations may seem insignificant to some, but they have far-reaching implications for my creditworthiness. The repeated manipulation of collection balances and delinquency dates creates a false narrative, implying the addition of new collection accounts to my credit reporta situation that only compounds my frustration. \n\nIt is crucial to highlight that collection agencies like National Credit Systems do not possess the authority to tamper with the original delinquency date, nor do they have the right to alter the date of account opening. I have neither authorized any payments nor incurred any charges related to this account. Therefore, the original delinquency date should remain unchanged and should be rightfully expunged from my credit report after seven years. \n\nI vehemently urge the imposition of severe penalties on National Credit Systems for their flagrant violations of the FTC Act. They must be held accountable for their manipulative practices, which not only harm individual consumers but also undermine the integrity of the entire credit reporting system. \n\nA substantial civil penalty, such as XXXX XXXX dollars, is warranted to address the gravity of these unfair and deceptive practices. The evidence unequivocally shows that National Credit Systems has knowingly engaged in conduct that is both unfair and deceptive, making it imperative for the Commission to take swift and decisive action. \nIt is imperative that the CFPB takes decisive action to protect consumers from further harm and to restore integrity to the credit reporting system. Your attention to this urgent matter and your commitment to safeguarding consumer interests are deeply appreciated.","date_sent_to_company":"2024-03-12T16:04:11.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"30260","tags":null,"has_narrative":true,"complaint_id":"8531961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2024-03-12T15:49:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Dear</em> CFPB, I am writing to express my utmost frustration and anger regarding the relentless and deceitful practices perpetrated by National Credit Systems, which are wreaking havoc on my <em>financial</em> stability. \n\nAs of today, Tuesday, XX/XX/2024, I am once again appalled by National Credit Systems ' audacity in removing a collection account from my credit report, only to swiftly re-add it shortly afterward."]},"sort":[13.146601,"8531961"]},{"_index":"complaint-public-v1","_id":"12113515","_score":12.730612,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Violation of Consumer Laws and UCC Rights Regarding Re-Insertion of XXXX XXXXXXXX Account Dear XXXX Dispute Department , I am writing to formally file a complaint regarding the results of your reinvestigation of my previous dispute concerning the Discover charge-off account on my credit report. As indicated in your correspondence dated [ Insert Date from XXXX XXXX ], this account was deleted and subsequently re-added. I assert that this action is in direct violation of federal consumer laws and my rights as a secured party under XXXX ( Uniform Commercial Code ) laws. \n\nAttached Documents : Copy of XXXX 's reinvestigation results letter. \nPreviously filed FTC affidavit. \nPrevious CFPB complaint number : XXXX. \nViolation of Consumer Laws Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are mandated to ensure the maximum accuracy of information on consumer reports. It is unlawful under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) to reinsert previously deleted information unless the furnisher of that information certifies its accuracy. I demand proof that such certification was provided by Discover before this account was re-added. \n\nXXXX XXXXXXXX and Reporting of Charge-Off Accounts According to the XXXX XXXX accounts are considered forgiven debt, which constitutes taxable income rather than a credit obligation. As forgiven debt is categorized as income, it is not permissible for such to be reported on a consumer credit report, as income is not a tradeline under the FCRA. Re-inserting this account violates 15 U.S.C. 1681c ( a ) ( 4 ), which prohibits obsolete and inaccurate information. \n\nViolation of XXXX Rights as a Secured Party I am a secured party creditor with a XXXX filing, which establishes my status under XXXX laws. As a secured party, I possess the legal right to control the narrative of my credit and financial dealings. Re-inserting the Discover charge-off account infringes upon my secured party rights under XXXX XXXX  XXXX, which governs the perfection and priority of security interests. XXXX has overstepped by disregarding my standing and lawful claim. \n\nDemands and Resolution I am demanding the immediate and permanent removal of the Discover charge-off account from my credit report. Additionally, I require : Written confirmation of the deletion within XXXX  days. \nA detailed explanation of the procedures followed that led to the reinsertion. \nProof that Discover provided certification of the accounts accuracy prior to reinsertion, as mandated by law. \nAssurance that no further violations of my consumer and XXXX rights will occur. \nFailure to comply with these demands will leave me no choice but to escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action to enforce my rights. \n\nConclusion XXXX has acted unlawfully by re-adding the Discover charge-off account to my credit report. This is a clear violation of FCRA provisions and my secured party rights under XXXX laws. I expect swift corrective action to rectify this matter immediately. \n\nI anticipate your prompt attention and response to this serious issue. \n\nCC : DISCOVER Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2025-02-25T18:09:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11434","tags":null,"has_narrative":true,"complaint_id":"12113515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-02-18T22:15:07.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal <em>Complaint</em> Violation of <em>Consumer</em> Laws and UCC Rights Regarding Re-Insertion of XXXX XXXXXXXX Account <em>Dear</em> XXXX Dispute Department , I am writing to formally file a <em>complaint</em> regarding the results of your reinvestigation of my previous dispute concerning the Discover charge-off account on my credit report."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[12.730612,"12113515"]},{"_index":"complaint-public-v1","_id":"11096926","_score":12.28849,"_source":{"product":"Credit card","complaint_what_happened":"Dear Sir/Madam, refused to fulfill his obligations.\n\nI am writing to express my profound disappointment regarding the decision made by Discover Bank concerning my dispute. My husband and I made an unfortunate choice to engage in business with an individual via social media who offered us a \" Done For You '' ( DFY ) service. This individual was supposed to establish a company in my husband 's name, manage advertising for us, and provide us with monthly payments. We paid him {$25000.00} for these services, commencing on XX/XX/year>, with the first payment expected on XX/XX/year>. However, we did not receive the payment. Upon contacting the merchant, he a dispute, as it was still within the time frame to do so. On XX/XX/year>, I filed a dispute with Discover Bank and XXXX XXXX, as we had made payments using both credit cards.\n\nUpon checking my According to our contract, we are entitled to a full refund if the service is not provided. Consequently, we requested the cancellation of the service, but the merchant has not responded. When we did not receive any reply, we contacted our bank to initiate Discover credit card app in XX/XX/XXXX, I discovered that they had ruled in favor of the merchant without notifying me. When I inquired about the reasoning behind this decision, Discover informed me that the merchant had provided proof. I requested to see this proof, and they stated that they would send a copy via mail, which I have yet to receive. When I asked why they could not email it to me, they claimed it was confidential. After a few days, I called again for the proof, and they finally emailed me a copy of the merchant 's documentation, which turned out to be a fake receipt and did not substantiate that the merchant had provided any service. The same receipt was submitted to XXXX XXXX. \n\nXXXX XXXX  contacted me the following day regarding the receipt and allowed us the opportunity to contest the decision until the very end, ultimately resulting in a favorable outcome for us. XXXX demonstrated genuine concern for their customers, whereas Discover provided exceptionally irresponsible service. I submitted the contract, as well as screenshots of messages exchanged between my husband and the merchant, via fax and uploaded them to their website, but received no response until I followed up for updates. They then placed me in a new situation, requesting proof that the merchant did not issue a refund. I find it unreasonable to provide such proof. Each time I call or chat with the bank, I encounter a different supervisor who presents a new narrative and varying circumstances. I have recorded all calls and saved all messages.\n\nI have filed a fraud complaint against the merchant with the FTC and sent a copy to Discover Bank ; however,\nthey seem indifferent to this matter and continue to favor the merchant. At this point, I am uncertain where to seek justice and recover my funds. I have submitted a complaint to the Michigan Department of Insurance and Financial Services, who advised me to contact the Consumer Financial Protection Bureau ( CFPB ).\n\nI am now reaching out to you for assistance in resolving this issue. I understand that this process may take time, but I wish to prevent others from experiencing similar situations. I can no longer trust Discover Bank, and my only hope lies with the Consumer Financial Protection Bureau.","date_sent_to_company":"2024-12-10T22:14:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"48317","tags":null,"has_narrative":true,"complaint_id":"11096926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-12-10T21:08:19.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I have submitted a <em>complaint</em> to the Michigan Department of Insurance and <em>Financial</em> Services, who advised me to contact the <em>Consumer</em> <em>Financial</em> Protection Bureau ( CFPB ).\n\nI am now reaching out to you for assistance in resolving this issue. I understand that this process may take time, but I wish to prevent others from experiencing similar situations. I can no longer trust Discover Bank, and my only hope lies with the <em>Consumer</em> <em>Financial</em> Protection Bureau."]},"sort":[12.28849,"11096926"]},{"_index":"complaint-public-v1","_id":"12113905","_score":12.274523,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Date : XXXXXX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Complaint Violation of Consumer Laws and UCC Rights Regarding Re-Insertion of XXXX Charge-Off Account Dear TransUnion Dispute Department , I am writing to formally file a complaint regarding the results of your reinvestigation of my previous dispute concerning the XXXX charge-off account on my credit report. As indicated in your correspondence dated [ Insert Date from TransUnion Letter ], this account was deleted and subsequently re-added. I assert that this action is in direct violation of federal consumer laws and my rights as a secured party under UCC ( Uniform Commercial Code ) laws.\n\nAttached Documents : Copy of TransUnion 's reinvestigation results letter.\n\nPreviously filed FTC affidavit.\n\nPrevious CFPB complaint number : XXXX. \nViolation of Consumer Laws Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are mandated to ensure the maximum accuracy of information on consumer reports. It is unlawful under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) to reinsert previously deleted information unless the furnisher of that information certifies its accuracy. I demand proof that such certification was provided by XXXX before this account was re-added. \n\nIRS Classification and Reporting of Charge-Off Accounts According to the IRS, charge-off accounts are considered forgiven debt, which constitutes taxable income rather than a credit obligation. As forgiven debt is categorized as income, it is not permissible for such to be reported on a consumer credit report, as income is not a tradeline under the FCRA. Re-inserting this account violates 15 U.S.C. 1681c ( a ) ( 4 ), which prohibits obsolete and inaccurate information.\n\nViolation of UCC Rights as a Secured Party I am a secured party creditor with a UCC1 filing, which establishes my status under UCC laws. As a secured party, I possess the legal right to control the narrative of my credit and financial dealings. Re-inserting the XXXX charge-off account infringes upon my secured party rights under UCC Article 9, which governs the perfection and priority of security interests. TransUnion has overstepped by disregarding my standing and lawful claim.\n\nDemands and Resolution I am demanding the immediate and permanent removal of the XXXX charge-off account from my credit report. Additionally, I require : Written confirmation of the deletion within 30 days. \nA detailed explanation of the procedures followed that led to the reinsertion. \nProof that XXXX provided certification of the accounts accuracy prior to reinsertion, as mandated by law. \nAssurance that no further violations of my consumer and UCC rights will occur.\n\nFailure to comply with these demands will leave me no choice but to escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action to enforce my rights.\n\nConclusion TransUnion has acted unlawfully by re-adding the XXXX charge-off account to my credit report. This is a clear violation of FCRA provisions and my secured party rights under UCC laws. I expect swift corrective action to rectify this matter immediately.\n\nI anticipate your prompt attention and response to this serious issue.\n\nCC : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX XXXX","date_sent_to_company":"2025-02-25T18:09:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11434","tags":null,"has_narrative":true,"complaint_id":"12113905","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-18T21:54:49.000Z","state":"NY","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":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Date : XXXXXX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal <em>Complaint</em> Violation of <em>Consumer</em> Laws and UCC Rights Regarding Re-Insertion of XXXX Charge-Off Account <em>Dear</em> TransUnion Dispute Department , I am writing to formally file a <em>complaint</em> regarding the results of your reinvestigation of my previous dispute concerning the XXXX charge-off account on my credit report."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.274523,"12113905"]},{"_index":"complaint-public-v1","_id":"12873534","_score":11.947481,"_source":{"product":"Credit card","complaint_what_happened":"Dear CFPB, I am writing to formally lodge a serious complaint against American Express ( Amex ) for what I believe amounts to deceptive business practices, financial negligence, and potential violation of consumer protection laws that have caused me significant financial loss, emotional distress, and continued trauma. \n\nOn XX/XX/year>, I contacted Amex to place a hard block on my card due to concerns around unauthorized or recurring charges. I was explicitly told by their representative : I can help you with a hard block which will cancel all the recurring subscriptions on your card after replacing your current card so that the card number will change. After that, I'll help you with the recent charge dispute. Shall I? \n\nI consented, and Amex subsequently confirmed : By adding this block on your previous card, we will begin declining all transactions on that card number effective immediately. Shall I proceed? \n\nHard block is successfully applied on all previous cards. \n\nDespite these assurances, I never activated the replacement card, and yet, I began noticing transactions being posted against itincluding recurring charges that Amex assured me would be blocked. When I contacted Amex again to report this breach, I was met with a series of conflicting and evasive responses, including : \" To stop the recurring charges, you can contact the merchant directly. '' \" Your card was enrolled to send upgrades to merchant and hence it was possible to claim charges for recurring merchants on your existing or new card. '' \" Pre-authorized charges can go through on a replaced card even if you haven't activated it. '' \" All XXXX charges are showing as Keyed transactions. '' \" Sometimes, charges get approved even without card activation for urgent transactions like groceries or cabs to avoid inconvenience. '' None of this was disclosed at the time I was told a hard block would effectively cancel \" ALL '' transactions on previous cards. The term \" hard block '' was used as a guarantee to stop all transactions and subscriptions. I relied on this representation and did not take further action, which resulted in continued unauthorized charges and financial damage. \n\nKey issues : 1. I never activated the new card.\n\n2. I was assured recurring charges would stop after a hard block. 3. Transactions still occurred, including keyed charges, which imply manual entry I never performed.\n\n4. Amex failed to honor its own processes, giving multiple contradictory justifications post-facto.\n\n5. Their behavior shows a complete disregard for consumer trust, financial integrity, and emotional well-being.\n\nThe continuous change in narrative and refusal to take accountability not only led to monetary losses but also left me in a state of persistent anxiety and helplessness. I trusted Amexs word and their assurances, and instead, I was met with misleading half-truths, operational failures, and a lack of consumer protection. \n\nI respectfully urge your office to investigate this matter. If this has happened to me, it is likely affecting many other unsuspecting consumers who are being misled by false promises of security and card protection. This needs regulatory scrutiny and intervention to prevent further exploitation. \n\nI am happy to provide all supporting documentation including chat transcripts, account statements, and communication records with Amex. \n\nThank you for your time and attention to this deeply distressing matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-08T06:45:52.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"02116","tags":null,"has_narrative":true,"complaint_id":"12873534","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-04-08T06:34:22.000Z","state":"MA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["<em>Dear</em> CFPB, I am writing to formally lodge a serious <em>complaint</em> against American Express ( Amex ) for what I believe amounts to deceptive business practices, <em>financial</em> negligence, and potential violation of <em>consumer</em> protection laws that have caused me significant <em>financial</em> loss, emotional distress, and continued trauma. \n\nOn XX/XX/year>, I contacted Amex to place a hard block on my card due to concerns around unauthorized or recurring charges."]},"sort":[11.947481,"12873534"]},{"_index":"complaint-public-v1","_id":"8639443","_score":11.725191,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Formal Complaint Regarding Credit Report Inconsistencies and Lack of Resolution from Equifax Dear XXXX, I hope this letter finds you well. I am writing to bring to your attention a distressing matter I have been grappling with since XX/XX/2024, concerning discrepancies within my credit reports obtained from XXXX. Despite repeated attempts to rectify these inconsistencies through XXXX 's purported assistance channels, the issue remains unresolved, leading me to seek your intervention in this matter. \n\nOn XX/XX/XXXX, I diligently accessed XXXX 's online credit report service to review my credit history. To my dismay, I discovered significant disparities between the report obtained from XXXX and that of Equifax. Consequently, I initiated several requests for assistance from Equifax and XXXX, Case # XXXX, Escalation Issue XXXX, and Case # XXXX, Case # XXXX, Case # XXXX, Case # XXXX, Case # XXXX, Case # XXXX but regrettably, despite my earnest efforts and numerous follow-ups, Equifax has failed to provide any not only meaningful updates or resolution to date that has been dismal at best indicating that its on the XXXX party that is having issue. \n\nCompounding this ordeal, in order to access updated credit reports without incurring hard inquiries, I was compelled to engage the services of multiple third-party entities, incurring personal expenses. Alarmingly, all reports procured from these entities corroborate the inaccuracies present in the XXXX report. Despite assurances from Equifax, XXXX, XXXX of profile refreshes, the persistence of erroneous information, such as falsely reported account being late, number of account open and addresses, persists unabated. \n\nAs an XXXX XXXX, I am well-versed in discerning technical intricacies. Contrary to Equifax 's assertions, it is evident that the root cause of these discrepancies lies within their systems, as corroborated by consistent inaccuracies across multiple reports obtained from reputable sources, including XXXX, XXXX, XXXX and XXXX ; which I have again paid to get the details as it is my only source to checking to see if the information is correct. \n\nWhile speaking with XXXX of the XXXX has also determined that other consumers where experiencing similar issues with Equifax and the information can on only come from them and no other place yet they repeatedly say that its other companies issue. And the stake is extremely high given all the inconsistencies. I even provided compelling thought process that could be very easily considered clear thought process to digest without going outside the narrative!! \n\nFurthermore, my interactions with Equifaxs support personnel have been deeply disheartening. Instead of earnestly addressing the issue, I have been met with dismissive responses and baseless attributions of fault to unspecified third-party vendors. \n\nSuch conduct not only exacerbates my frustration but also undermines the integrity of Equifax 's purported commitment to consumer advocacy and support. \nEnclosed with this correspondence are comprehensive documentation substantiating the aforementioned discrepancies, submitted to Equifax and now these updated details showing the error. I implore the Consumer Financial Protection Bureau to intervene expeditiously and facilitate a thorough investigation into this matter. \n\nThe undue hardship and mental anguish I have endured, coupled with the lack of accountability demonstrated by Equifax, necessitate a prompt and equitable resolution.","date_sent_to_company":"2024-03-27T23:50:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75039","tags":null,"has_narrative":true,"complaint_id":"8639443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-27T22:48:16.000Z","state":"TX","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["<em>Consumer</em> <em>Financial</em> Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Formal <em>Complaint</em> Regarding Credit Report Inconsistencies and Lack of Resolution from Equifax <em>Dear</em> XXXX, I hope this letter finds you well. I am writing to bring to your attention a distressing matter I have been grappling with since XX/XX/2024, concerning discrepancies within my credit reports obtained from XXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[11.725191,"8639443"]},{"_index":"complaint-public-v1","_id":"14399321","_score":11.600655,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau Date : XX/XX/year> From : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Dear CFPB XXXX, I am submitting this formal complaint and Metro 2 dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. This complaint is against the following furnishers for unlawful and damaging reporting practices : XXXX XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Violations Identified XXXX. XXXX XXXX XXXX Narrative Code XXXX Violation : The account remains reported as a collection despite being marked as in dispute, which is noncompliant with Metro 2 rules that require suppression of derogatory reporting during reinvestigation. \n\nFCRA 609 ( a ) ( 1 ) Violation : XXXX has failed to provide verification or original documentation of the alleged debt, violating my right to request and receive full validation. \n\nFCRA 623 ( a ) ( 5 ) Violation : As a third-party debt buyer, XXXX has XXXX to accurately report account ownership and status. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duplicate Reporting Violation : Both entities are reporting the same underlying debt under separate accounts. This misleads creditors and inflates my debt profile. \n\nFCRA 607 ( b ) Violation : Furnishers are obligated to report with maximum possible accuracy. Listing the same debt under two creditors is materially inaccurate and unjust.\n\nHarm and Damages As a result of these violations : I have been denied credit for home refinancing and vehicle leasing.\n\nI have suffered a measurable drop in my credit score.\n\nThis has caused emotional distress and reputational harm during a period when I was still recovering from the Equifax data breach. \n\nRequested Action I request the CFPB to conduct a thorough investigation and enforce compliance. I demand : Immediate and permanent deletion of the XXXX XXXX XXXX account. \n\nRemoval of either the XXXX XXXX or XXXX XXXX XXXX listing to eliminate the duplicate debt entry. \n\nWritten confirmation of all corrective actions and updated credit bureau records.\n\nIf unresolved within 15 days, I will proceed with further legal action under FCRA 616 and 617, as well as file complaints with the FTC, Michigan Attorney General, and other relevant authorities.\n\nPlease find attached copies of my credit reports and prior dispute letters for reference. \n\nThank you for your immediate attention to this matter. \n\nSincerely, XXXX XXXX XXXX Attachments : Credit Reports Previous Dispute Letters","date_sent_to_company":"2025-07-01T07:00:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48224","tags":null,"has_narrative":true,"complaint_id":"14399321","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-01T02:15:46.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : <em>Consumer</em> <em>Financial</em> Protection Bureau Date : XX/XX/year> From : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX <em>Dear</em> CFPB XXXX, I am submitting this formal <em>complaint</em> and Metro 2 dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.600655,"14399321"]},{"_index":"complaint-public-v1","_id":"14363136","_score":11.596199,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau Date : XX/XX/year> From : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Dear CFPB XXXX, I am submitting this formal complaint and Metro 2 dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. This complaint is against the following furnishers for unlawful and damaging reporting practices : XXXX XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Violations Identified XXXX. XXXX XXXX XXXX Narrative Code XXXX Violation : The account remains reported as a collection despite being marked as in dispute, which is noncompliant with Metro 2 rules that require suppression of derogatory reporting during reinvestigation. \n\nFCRA 609 ( a ) ( 1 ) Violation : XXXX has failed to provide verification or original documentation of the alleged debt, violating my right to request and receive full validation. \n\nFCRA 623 ( a ) ( 5 ) Violation : As a third-party debt buyer, XXXX has XXXX to accurately report account ownership and status. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duplicate Reporting Violation : Both entities are reporting the same underlying debt under separate accounts. This misleads creditors and inflates my debt profile. \n\nFCRA 607 ( b ) Violation : Furnishers are obligated to report with maximum possible accuracy. Listing the same debt under two creditors is materially inaccurate and unjust.\n\nHarm and Damages As a result of these violations : I have been denied credit for home refinancing and vehicle leasing.\n\nI have suffered a measurable drop in my credit score.\n\nThis has caused emotional distress and reputational harm during a period when I was still recovering from the Equifax data breach. \n\nRequested Action I request the CFPB to conduct a thorough investigation and enforce compliance. I demand : Immediate and permanent deletion of the XXXX XXXX XXXX account. \n\nRemoval of either the XXXX XXXX or XXXX XXXX XXXX listing to eliminate the duplicate debt entry. \n\nWritten confirmation of all corrective actions and updated credit bureau records.\n\nIf unresolved within 15 days, I will proceed with further legal action under FCRA 616 and 617, as well as file complaints with the FTC, Michigan Attorney General, and other relevant authorities.\n\nPlease find attached copies of my credit reports and prior dispute letters for reference. \n\nThank you for your immediate attention to this matter. \n\nSincerely, XXXX XXXX XXXX Attachments : Credit Reports Previous Dispute Letters","date_sent_to_company":"2025-07-01T05:04:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48224","tags":null,"has_narrative":true,"complaint_id":"14363136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-01T03:09:20.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : <em>Consumer</em> <em>Financial</em> Protection Bureau Date : XX/XX/year> From : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX <em>Dear</em> CFPB XXXX, I am submitting this formal <em>complaint</em> and Metro 2 dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[11.596199,"14363136"]},{"_index":"complaint-public-v1","_id":"14535343","_score":11.593492,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, Experian, and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly 1 5 U.S.C. 1681c-2, in handling clear documentation of identity theft and fraudulent activity on my credit reports. Despite submitting all required identification and supporting documentation-including a copy of my Louisiana driver 's license and Social Security card-the credit reporting agencies have not blocked or removed the false information from my file. Additionally, I have been unfairly labeled with terms such as \" consumer disputes, '' \" fraud alerts, '' and notes suggesting that I am engaged in frivolous or underhanded activity.\n\nThis is unacceptable, defamatory, and in direct violation of federal law. In accordance with 15 U.S.C. 1681c-2 ( a ), I have provided : 1. Proof of my identity ( driver 's license and SSN card ) ; 2. A statement of identity theft and fraudulent information ; 3. Identification of all false tradelines and inquiries that are not mine.\n\nStill, the following harmful actions remain : - Accounts are marked with narrative codes such as \" 022 - Consumer Disputes, '' \" 057 - Collection Account, '' and other damaging remarks ; - Public remarks on my Equifax report falsely imply that I submitted frivolous disputes or am associated with fraud ; - Negative items remain, including charge-offs, collections, inquiries, and inaccurate addresses/employers ; - The presence of over a dozen derogatory tradelines I did not authorize,\nincluding but not limited to : - XXXX XXXX XXXX ( multiple entries ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Hard inquiries ) These entries are materially harming my ability to obtain credit and are causing personal and professional harm.\n\nAdditionally, the only personal information that should appear on my credit reports is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Employer : XXXX XXXX All other addresses, phone numbers, employers, fraud alerts, consumer statements, and notations of dispute or identity theft must be permanently removed. Legal Precedent As established in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) and Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), credit bureaus are legally obligated to conduct a meaningful investigation and correct or remove inaccurate data. Mislabeling a legitimate identity theft complaint as \" frivolous '' may constitute willful non-compliance under FCRA 1681n.","date_sent_to_company":"2025-07-08T22:59:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70817","tags":null,"has_narrative":true,"complaint_id":"14535343","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-08T22:58:51.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Dear</em> <em>Consumer</em> <em>Financial</em> Protection Bureau, I am writing to file a formal <em>complaint</em> against Equifax, Experian, and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly 1 5 U.S.C. 1681c-2, in handling clear documentation of identity theft and fraudulent activity on my credit reports."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[11.593492,"14535343"]},{"_index":"complaint-public-v1","_id":"14532829","_score":11.593492,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, Experian, and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly 1 5 U.S.C. 1681c-2, in handling clear documentation of identity theft and fraudulent activity on my credit reports. Despite submitting all required identification and supporting documentation-including a copy of my Louisiana driver 's license and Social Security card-the credit reporting agencies have not blocked or removed the false information from my file. Additionally, I have been unfairly labeled with terms such as \" consumer disputes, '' \" fraud alerts, '' and notes suggesting that I am engaged in frivolous or underhanded activity.\n\nThis is unacceptable, defamatory, and in direct violation of federal law. In accordance with 15 U.S.C. 1681c-2 ( a ), I have provided : 1. Proof of my identity ( driver 's license and SSN card ) ; 2. A statement of identity theft and fraudulent information ; 3. Identification of all false tradelines and inquiries that are not mine.\n\nStill, the following harmful actions remain : - Accounts are marked with narrative codes such as \" 022 - Consumer Disputes, '' \" 057 - Collection Account, '' and other damaging remarks ; - Public remarks on my Equifax report falsely imply that I submitted frivolous disputes or am associated with fraud ; - Negative items remain, including charge-offs, collections, inquiries, and inaccurate addresses/employers ; - The presence of over a dozen derogatory tradelines I did not authorize,\nincluding but not limited to : - XXXX XXXX XXXX ( multiple entries ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Hard inquiries ) These entries are materially harming my ability to obtain credit and are causing personal and professional harm.\n\nAdditionally, the only personal information that should appear on my credit reports is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Employer : XXXX XXXX All other addresses, phone numbers, employers, fraud alerts, consumer statements, and notations of dispute or identity theft must be permanently removed. Legal Precedent As established in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) and Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), credit bureaus are legally obligated to conduct a meaningful investigation and correct or remove inaccurate data. Mislabeling a legitimate identity theft complaint as \" frivolous '' may constitute willful non-compliance under FCRA 1681n.","date_sent_to_company":"2025-07-08T22:59:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70817","tags":null,"has_narrative":true,"complaint_id":"14532829","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-08T22:12:37.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Dear</em> <em>Consumer</em> <em>Financial</em> Protection Bureau, I am writing to file a formal <em>complaint</em> against Equifax, Experian, and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly 1 5 U.S.C. 1681c-2, in handling clear documentation of identity theft and fraudulent activity on my credit reports."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.593492,"14532829"]},{"_index":"complaint-public-v1","_id":"8236008","_score":11.524756,"_source":{"product":"Mortgage","complaint_what_happened":"From : XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Dear Consumer Financial Protection Bureau : I. Background and Initial Request for Forbearance : On XX/XX/XXXX, after consulting with XXXX XXXX, the investor of my home loan, I contacted Specialized Loan Servicing LLC ( SLS ) to request a six-month COVID-19 forbearance as stipulated by the CARES Act. Contrary to the automatic relief provisions outlined in the Act, SLS instructed me to await a response to my request. Upon follow-up, I was informed my account had been flagged, precluding further discussion. This led me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). ***** II. Subsequent CFPB Complaints and Forbearance Agreement Discrepancies : The initial CFPB complaint yielded a forbearance agreement from SLS commencing on XX/XX/XXXX, and concluding in XX/XX/XXXX, falling short of the requested six months. Persistence through additional CFPB complaints resulted in SLS backdating the agreement to XX/XX/XXXX, without my consent. Efforts to correct the forbearance period to reflect my request for a total of 12 months were met with resistance and unilateral alterations by SLS. ***** III. Discrepancies in Court Filings and Servicing Transfer : Despite providing me with a revised forbearance agreement reflecting the start date of XX/XX/XXXX, SLS filed a disparate agreement in my XXXX  XXXX bankruptcy case, which neither conformed to the CARES Act provisions nor my direct requests. Complicating matters further, on XX/XX/XXXX, SLS transferred servicing to XXXX XXXX, failing to rectify the forbearance agreement discrepancies in court records prior to transfer. ***** IV. Misinformation and Denial of Extension : Subsequent to the servicing transfer, my request for an additional six-month forbearance extensionaligned with XXXX XXXX XXXX enhanced relief measureswas unjustly denied by XXXX XXXX . This denial was allegedly predicated on misinformation regarding the nature of my mortgage and the existence of a CARES Act-compliant forbearance. ***** V. Current Stance and Irreparable Harm : The current position of SLS alleges that they informed XXXX XXXX of the accurate forbearance dates. However, this assertion fails to reconcile with their official court filings, which remain unamended. The conflicting actions and information provided by SLS and XXXX XXXX have resulted in significant financial, mental, and physical distress, for which I seek redress. ***** VI. Evidence of Filing Discrepancies : On XX/XX/XXXX, SLS, via their authorized agent, filed a notice in my bankruptcy case that contradicted the terms previously agreed upon. This notice misrepresented the forbearance 's effective date, terms, and exit strategies, diverging from both the revised agreement sent to me and the CARES Act 's intended protections. ***** VII. Enclosed with this letter, please find the following documents for your review : 1. Original COVID-19 Forbearance Agreement ( XX/XX/XXXX ) : This document represents my initial forbearance agreement, which SLS should have automatically granted for six months under the CARES Act. \n2. Revised Forbearance Agreement ( XX/XX/XXXX ) : This is the altered agreement provided by SLS after numerous complaints filed with the CFPB. It corrects the start date to XX/XX/XXXX but still does not accurately reflect my request for a total forbearance period of 12 months, as it ends in XX/XX/XXXX. \n3. Court-Filed Forbearance Agreement ( XX/XX/XXXX ) : Filed by SLS 's authorized agent, this document contains terms inconsistent with the CARES Act requirements and the forbearance agreements provided to me. \n4. Correspondence from XXXX XXXX ( Dated XX/XX/XXXX, and XX/XX/XXXX ) : These letters from the new servicer deny the extension of my forbearance and incorrectly state that my mortgage is not federally backed, thus claiming that I am not entitled to CARES Act protections. \n\nEach of these documents contributes to a narrative of mishandling, miscommunication, and a disregard for federal guidelines designed to protect consumers like myself during an unprecedented global pandemic. I seek the CFPB 's aid in rectifying this situation and ensuring that such practices do not continue to harm other borrowers. \n\nThank you once again for your time and assistance. \nSincerely,","date_sent_to_company":"2024-01-28T01:19:57.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"945XX","tags":null,"has_narrative":true,"complaint_id":"8236008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2024-01-28T00:48:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["This led me to file a <em>complaint</em> with the <em>Consumer</em> <em>Financial</em> Protection Bureau ( CFPB ). ***** II. Subsequent CFPB <em>Complaints</em> and Forbearance Agreement Discrepancies : The initial CFPB <em>complaint</em> yielded a forbearance agreement from SLS commencing on XX/XX/XXXX, and concluding in XX/XX/XXXX, falling short of the requested six months. Persistence through additional CFPB <em>complaints</em> resulted in SLS backdating the agreement to XX/XX/XXXX, without my consent."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.524756,"8236008"]},{"_index":"complaint-public-v1","_id":"17904182","_score":11.4214325,"_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":["Failure to comply may result in a <em>complaint</em> to the <em>Consumer</em> <em>Financial</em> 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."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[11.4214325,"17904182"]},{"_index":"complaint-public-v1","_id":"16157502","_score":11.247986,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Citibank Mishandled Fraud Dispute and Regulation E Violations Dear CFPB Examiner, I am submitting this complaint against Citibank regarding its mishandling of my fraud dispute and failure to comply with requirements under the Electronic Fund Transfer Act ( Regulation E ).\n\nOn XX/XX/year>, I reported {$5000.00} in unauthorized debit card transactions on my account ending in XXXX. Citibank assigned claim numbers XXXX and XXXX. Despite my timely report, sworn affidavit, and a police report ( Case No. XXXX ), Citibank denied my claim within 48 hours, failed to provide provisional credit, and has not produced evidence relied upon for its decision. I was also treated unfairly and prejudicially when my sworn statements were ignored.\n\nEnclosed with this cover letter are : 1. Affidavit of Unauthorized Transactions 2. Police Report ( Case No. XXXX ) 3. Citibank denial communications 4. Final Demand Letter and Follow-Up Notice 5. Fraud Timeline Log Requested Relief : - Immediate reversal of Citibanks denial and reimbursement of {$5000.00} - Production of all investigative materials relied upon for denial - Confirmation that no negative reporting will occur while the dispute is pending - Corrective measures to ensure Citibank complies with Regulation E Thank you for your attention to this matter. I respectfully request your intervention to ensure Citibank is held accountable under federal law. \nSincerely, XXXX XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Phone : XXXX Email : XXXX Subject / Complaint Summary : Citibank Mishandled Fraud Dispute, Regulation E Violation, and Discriminatory Treatment Complaint Narrative ( to paste in CFPB portal ) : I am filing this complaint against Citibank for mishandling my fraud dispute and failing to comply with the Electronic Fund Transfer Act ( Regulation E ). \nOn XX/XX/year>, I reported {$5000.00} in unauthorized debit card transactions on my account ending in XXXX. Citibank assigned claim numbers XXXX and XXXX. \nDespite timely reporting, providing a sworn affidavit, and filing a police report ( Case No. XXXX ), Citibank : Denied my claim in 48 hours without conducting a proper investigation, relying solely on the assertion that the card and PIN were present and that transactions occurred near my domicile.\n\nNever contacted me to confirm facts or gather additional information, despite asking during the initial report if I had authorized or given anyone permission ( I answered No ). Ignored my sworn statement and police report, effectively calling me dishonest without evidence. I consider this treatment discriminatory and prejudicial. Failed to provide provisional credit as required by 12 CFR 1005.11, since more than 10 business days have passed. Has not provided the evidence relied upon for denying my claim. Violations of Regulation E include : Failure to properly investigate denial in 48 hours without collecting evidence. Failure to provide provisional credit no credit issued after 10 business days. Failure to provide documentation relied upon for denial. Discriminatory treatment disregarding my sworn affidavit and police report, while assuming guilt. Harm : I remain out {$5000.00}, suffering severe financial hardship and emotional distress, while being denied legal protections under Regulation E.","date_sent_to_company":"2025-09-24T16:42:30.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30126","tags":null,"has_narrative":true,"complaint_id":"16157502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-09-24T15:57:24.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> <em>Consumer</em> <em>Financial</em> Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : <em>Complaint</em> Against Citibank Mishandled Fraud Dispute and Regulation E Violations <em>Dear</em> CFPB Examiner, I am submitting this <em>complaint</em> against Citibank regarding its mishandling of my fraud dispute and failure to comply with requirements under the Electronic Fund Transfer Act ( Regulation E )."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.247986,"16157502"]},{"_index":"complaint-public-v1","_id":"3365647","_score":10.535027,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I reserve the right to respond and dispute and reject the following as stated at its entirely by a representative of Wells Fargo ( and any company that it has Wells Fargo in its legal name and operates in the U.S ) and its involved contractors and/or agents : Wells Fargo Bank, N.A.\n\nExecutive Office XXXX XXXX XXXX XXXX XXXX, IA XXXX Fax XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Response to your account inquiry Account number ending in : XXXX Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX Dear XXXX XXXX : We are responding to your recent account inquiry dated XX/XX/2019. Our records show that your inquiry was addressed on XX/XX/2019. We have reviewed your account activity since our prior response, and our decision remains the same. If you did not receive this response, or you have new information related to your inquiry, please contact us. We will provide further assistance to you at that time. \nCredit reporting As a fair and responsible lender, we are required by the Fair Credit Reporting Act ( FCRA ) to report the true history of each account. We confirm we are accurately reporting the account as Open ; Current ; Never late ; {$350.00} balance. Since we have confirmed the information reported for this account is accurate, we are unable to honor the request to delete or update the reporting to reflect a more favorable account history. \nPlease be advised, your account has gone through a lost/stolen transfer. To protect the security of your account, the 16-digit number associated with it was changed from the original one ending in XXXX, to the current one ending in XXXX. Keep in mind that while the current number ending in XXXX is now associated with your existing account in your credit report, the credit history you accrued under the original number ending in XXXX is still part of the information being reported. In addition, we confirm that your account is being reported accurately. \nWe have requested that the consumer credit reporting agencies place a narrative on the account to convey that Wells Fargo has completed the investigation of your dispute and you may not agree with the results. This narrative may be viewed by potential credit grantors. \nIf you agree with the accuracy of the credit reporting for the account or would like the narrative removed, please provide Wells Fargo with written notification. Your notification should be returned to Wells Fargo by mail or fax : 2019 Wells Fargo Bank, N.A. All rights reserved. \nXXXX Consumer Credit Solutions Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX XXXX, IA XXXX Fax : XXXX Once we receive your written notification, we will submit a request to the consumer credit reporting agencies to have the message removed from the account information on your credit file. \nContact information If you have questions, please call me directly at XXXX, extension XXXX, Monday through Friday from XXXX XXXX to XXXX XXXX Pacific Time. \nFor customers with hearing or speech disabilities, we accept telecommunications relay service calls. Thank you. \nSincerely, XXXX XXXX XXXX XXXX Research and Remediation Analyst Executive Office cc : Consumer Financial Protection Bureau.- - I, XXXX XXXX , reject what stated by XXXX XXXX , A Wells Fargo Research and Remediation Analyst in their Executive Office. I rejected all that at its entirely and I am disputing it and complaining about it to the CFPB. - -You are commanded by law to stop interfering in my credit reports by your falsifications And abuse to my personal information. \n- - You are trying to force me to accept an unauthorized account to be like if it was I account that opened on my own will not Wells Fargo retaliatory choice to obstruct justice and to cover up it full legal liability on the fraud and retaliation committed against me by this bank and its involved agents. - -I dont accept and I am rejecting your criminal business behaviors against me - you are not in the position to dictate what should be done just to cover up your illegal and criminal violations you are engaging in and against my rights and continuously- I am not authorizing Wells Fargo to use any of my personal information in reporting to the credit bureau but for the payment history of my credit account ending in XXXX which was closed and I am making payments on time until I pay it off. \n- Wells Fargo must stop reporting false information about me to any credit bureau - I dont have any open authorized credit account with Wells Fargo bank whether ending in XXXX or any other .- -I called Wells Fargo and disputed a Wells Fargo fraudulent credit account ending in XXXX that was opened Fraudulently against my will and by Wells Fargo . \n- -Wells Fargo also assumes all the legal consequences for its persistence to force me to accept something I didnt open which its credit card account ending in XXXX. \n- - again it is XXXX XXXX with home addressi- -XXXX XXXX XXXX XXXX XXXX VA XXXX And last 4 SSN XXXX. \n- I am noticing also about the following : ***Legal Notice & - Complaint- XXXX XXXX - - Wells Fargo Bank/Wells Fargo/To whom this legal notice and complaint concerns : - - - - I demanded and reaffirming that Wells Fargo and any company that has a name of Wells Fargo in its business legal name and operates in the United States and also a legal Notice to its decision makers ( involved in invading my rights to privacy and peace continuously in addition to violating many other laws and against me ) must comply to law and that you are commanded now by law to : - -immediately stop your interfering in any of my personal credit reports or files with any credit bureau. To stop your invasion against my privacy. -To stop your falsifications and misleading interferences against my financial records. To stop your blackmailing against me. To stop your continuous harassments against me. -to cease from any of your recorded intimidations and threats you made against me .To stop your illegal interfering against my credit reports since Currently You dont have any open credit or deposit account that I authorized ever you and at any time and to open it and on my own will and not by your own intervention against my will to cover up your other violations you did at any time and against me and/or the public and/or consumers - -Who are you that you think you can force me to submit to your own illusive will? Any of your usual criminal threats and activities against me would cost you more serious legal consequences and you would be prosecuted in a criminal case too. - - You have no business need to know and neither any type of my consent now and to interfere or change or do anything with my information within any credit bureau. _____________ You must not alter, destruct or delete or get rid of any information related to my person and that you stored in any form and it is all evidences and you are noticed of all the above and not to destruct evidences and you must comply and this was a final notice .- - Currently, there are legal case/s against you. - - - Therefore, you must stop your blackmailing and interference into my private personal credit reports within any credit bureau and at any time and secondarily you must also comply and preserve all evidences as directed above. - Sincerely, -. _______The claimant ._______ XXXX XXXX - - - *** without waiving my rights, all stated herein is subject to any correction or anything at any time and by my person or my representative and without notice and all herein is to my current states belief, knowledge and understanding. _____ receipt of this complaint is your consent to immediately comply to all the above legal notice - - - XXXX XXXX. I reserve all my rights.","date_sent_to_company":"2019-09-06T16:53:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"22041","tags":null,"has_narrative":true,"complaint_id":"3365647","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-09-06T16:53:14.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Executive Office XXXX XXXX XXXX XXXX XXXX, IA XXXX Fax XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Response to your account inquiry Account number ending in : XXXX Wells Fargo case number : XXXX <em>Consumer</em> <em>Financial</em> Protection Bureau, case number : XXXX <em>Dear</em> XXXX XXXX : We are responding to your recent account inquiry dated XX/XX/2019. Our records show that your inquiry was addressed on XX/XX/2019."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[10.535027,"3365647"]},{"_index":"complaint-public-v1","_id":"3365714","_score":10.531622,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I reserve the right to respond and dispute and reject the following as stated at its entirely by a representative of Wells Fargo ( and any company that it has Wells Fargo in its legal name and operates in the U.S ) and its involved contractors and/or agents : Wells Fargo Bank, N.A. \nExecutive Office XXXX XXXX XXXX XXXX XXXX, IA XXXX Fax XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Response to your account inquiry Account number ending in : XXXX Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX Dear XXXX XXXX : We are responding to your recent account inquiry dated XX/XX/2019. Our records show that your inquiry was addressed on XX/XX/2019. We have reviewed your account activity since our prior response, and our decision remains the same. If you did not receive this response, or you have new information related to your inquiry, please contact us. We will provide further assistance to you at that time. \nCredit reporting As a fair and responsible lender, we are required by the Fair Credit Reporting Act ( FCRA ) to report the true history of each account. We confirm we are accurately reporting the account as Open ; Current ; Never late ; {$350.00} balance. Since we have confirmed the information reported for this account is accurate, we are unable to honor the request to delete or update the reporting to reflect a more favorable account history. \nPlease be advised, your account has gone through a lost/stolen transfer. To protect the security of your account, the 16-digit number associated with it was changed from the original one ending in XXXX, to the current one ending in XXXX. Keep in mind that while the current number ending in XXXX is now associated with your existing account in your credit report, the credit history you accrued under the original number ending in XXXX is still part of the information being reported. In addition, we confirm that your account is being reported accurately. \nWe have requested that the consumer credit reporting agencies place a narrative on the account to convey that Wells Fargo has completed the investigation of your dispute and you may not agree with the results. This narrative may be viewed by potential credit grantors. \nIf you agree with the accuracy of the credit reporting for the account or would like the narrative removed, please provide Wells Fargo with written notification. Your notification should be returned to Wells Fargo by mail or fax : 2019 Wells Fargo Bank, N.A. All rights reserved. \nXXXX Consumer Credit Solutions Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX XXXX, IA XXXX Fax : XXXX Once we receive your written notification, we will submit a request to the consumer credit reporting agencies to have the message removed from the account information on your credit file. \nContact information If you have questions, please call me directly at XXXX, extension XXXX, Monday through Friday from XXXX XXXX. to XXXX XXXX. Pacific Time. \nFor customers with hearing or speech disabilities, we accept telecommunications relay service calls. Thank you. \nSincerely, XXXX XXXX XXXX XXXX Research and Remediation Analyst Executive Office cc : Consumer Financial Protection Bureau.- - I, XXXX XXXX , reject what stated by XXXX XXXX , A Wells Fargo Research and Remediation Analyst in their Executive Office. I rejected all that at its entirely and I am disputing it and complaining about it to the CFPB. - -You are commanded by law to stop interfering in my credit reports by your falsifications And abuse to my personal information. \n- - You are trying to force me to accept an unauthorized account to be like if it was I account that opened on my own will not Wells Fargo retaliatory choice to obstruct justice and to cover up it full legal liability on the fraud and retaliation committed against me by this bank and its involved agents. - -I dont accept and I am rejecting your criminal business behaviors against me - you are not in the position to dictate what should be done just to cover up your illegal and criminal violations you are engaging in and against my rights and continuously- I am not authorizing Wells Fargo to use any of my personal information in reporting to the credit bureau but for the payment history of my credit account ending in XXXX which was closed and I am making payments on time until I pay it off. \n- Wells Fargo must stop reporting false information about me to any credit bureau - I dont have any open authorized credit account with Wells Fargo bank whether ending in XXXX or any other .- -I called Wells Fargo and disputed a Wells Fargo fraudulent credit account ending in XXXX that was opened Fraudulently against my will and by Wells Fargo . \n- -Wells Fargo also assumes all the legal consequences for its persistence to force me to accept something I didnt open which its credit card account ending in XXXX. \n- - again it is XXXX XXXX with home addressi- -XXXX XXXX XXXX XXXX XXXX VA XXXX And last 4 SSN XXXX. \n- I am noticing also about the following : ***Legal Notice & - Complaint- XXXX XXXX - - Wells Fargo Bank/Wells Fargo/To whom this legal notice and complaint concerns : - - - - I demanded and reaffirming that Wells Fargo and any company that has a name of Wells Fargo in its business legal name and operates in the United States and also a legal Notice to its decision makers ( involved in invading my rights to privacy and peace continuously in addition to violating many other laws and against me ) must comply to law and that you are commanded now by law to : - -immediately stop your interfering in any of my personal credit reports or files with any credit bureau. To stop your invasion against my privacy. -To stop your falsifications and misleading interferences against my financial records. To stop your blackmailing against me. To stop your continuous harassments against me. -to cease from any of your recorded intimidations and threats you made against me .To stop your illegal interfering against my credit reports since Currently You dont have any open credit or deposit account that I authorized ever you and at any time and to open it and on my own will and not by your own intervention against my will to cover up your other violations you did at any time and against me and/or the public and/or consumers - -Who are you that you think you can force me to submit to your own illusive will? Any of your usual criminal threats and activities against me would cost you more serious legal consequences and you would be prosecuted in a criminal case too. - - You have no business need to know and neither any type of my consent now and to interfere or change or do anything with my information within any credit bureau. _____________ You must not alter, destruct or delete or get rid of any information related to my person and that you stored in any form and it is all evidences and you are noticed of all the above and not to destruct evidences and you must comply and this was a final notice .- - Currently, there are legal case/s against you. - - - Therefore, you must stop your blackmailing and interference into my private personal credit reports within any credit bureau and at any time and secondarily you must also comply and preserve all evidences as directed above. - Sincerely, -. _______The claimant ._______ -XXXX XXXX - - - *** without waiving my rights, all stated herein is subject to any correction or anything at any time and by my person or my representative and without notice and all herein is to my current states belief, knowledge and understanding. _____ receipt of this complaint is your consent to immediately comply to all the above legal notice - - - XXXX XXXX. I reserve all my rights.","date_sent_to_company":"2019-09-06T16:53:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"22041","tags":null,"has_narrative":true,"complaint_id":"3365714","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-09-06T16:53:14.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Executive Office XXXX XXXX XXXX XXXX XXXX, IA XXXX Fax XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Response to your account inquiry Account number ending in : XXXX Wells Fargo case number : XXXX <em>Consumer</em> <em>Financial</em> Protection Bureau, case number : XXXX <em>Dear</em> XXXX XXXX : We are responding to your recent account inquiry dated XX/XX/2019. Our records show that your inquiry was addressed on XX/XX/2019."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[10.531622,"3365714"]},{"_index":"complaint-public-v1","_id":"3365740","_score":10.407581,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I reserve the right to respond and dispute and reject the following as stated at its entirely by a representative of Wells Fargo ( and any company that it has Wells Fargo in its legal name and operates in the U.S ) and its involved contractors and/or agents : Wells Fargo Bank, XXXX. \nExecutive Office XXXX XXXX XXXX XXXX XXXX, IA XXXX Fax XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Response to your account inquiry Account number ending in : XXXX Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX Dear XXXX XXXX : We are responding to your recent account inquiry dated XX/XX/2019. Our records show that your inquiry was addressed on XX/XX/2019. We have reviewed your account activity since our prior response, and our decision remains the same. If you did not receive this response, or you have new information related to your inquiry, please contact us. We will provide further assistance to you at that time. \nCredit reporting As a fair and responsible lender, we are required by the Fair Credit Reporting Act ( FCRA ) to report the true history of each account. We confirm we are accurately reporting the account as Open ; Current ; Never late ; {$350.00} balance. Since we have confirmed the information reported for this account is accurate, we are unable to honor the request to delete or update the reporting to reflect a more favorable account history. \nPlease be advised, your account has gone through a lost/stolen transfer. To protect the security of your account, the 16-digit number associated with it was changed from the original XXXX ending in XXXX, to the current one ending in XXXX. Keep in mind that while the current number ending in XXXX is now associated with your existing account in your credit report, the credit history you accrued under the original number ending in XXXX is still part of the information being reported. In addition, we confirm that your account is being reported accurately. \nWe have requested that the consumer credit reporting agencies place a narrative on the account to convey that Wells Fargo has completed the investigation of your dispute and you may not agree with the results. This narrative may be viewed by potential credit grantors. \nIf you agree with the accuracy of the credit reporting for the account or would like the narrative removed, please provide Wells Fargo with written notification. Your notification should be returned to Wells Fargo by mail or fax : 2019 Wells Fargo Bank, N.A. All rights reserved. \nXXXX XXXX XXXX XXXX Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX XXXX, IA XXXX Fax : XXXX Once we receive your written notification, we will submit a request to the consumer credit reporting agencies to have the message removed from the account information on your credit file. \nContact information If you have questions, please call me directly at XXXX, extension XXXX, Monday through Friday from XXXX XXXX to XXXX XXXX. Pacific Time. \nFor customers with hearing or speech disabilities, we accept telecommunications relay service calls. Thank you. \nSincerely, XXXX XXXX XXXX XXXX Research and Remediation Analyst XXXX Office cc : Consumer Financial Protection Bureau.- - I, XXXX XXXX XXXX reject what stated by XXXX XXXX , A Wells Fargo Research and Remediation Analyst in their Executive Office. I rejected all that at its entirely and I am disputing it and complaining about it to the CFPB. - -You are commanded by law to stop interfering in my credit reports by your falsifications And abuse to my personal information. \n- - You are trying to force me to accept an unauthorized account to be like if it was I account that opened on my own will not Wells Fargo retaliatory choice to obstruct justice and to cover up it full legal liability on the fraud and retaliation committed against me by this bank and its involved agents. - -I dont accept and I am rejecting your criminal business behaviors against me - you are not in the position to dictate what should be done just to cover up your illegal and criminal violations you are engaging in and against my rights and continuously- I am not authorizing Wells Fargo to use any of my personal information in reporting to the credit bureau but for the payment history of my credit account ending in XXXX which was closed and I am making payments on time until I pay it off. \n- Wells Fargo must stop reporting false information about me to any credit bureau - I dont have any open authorized credit account with Wells Fargo bank whether ending in XXXX or any other .- -I called Wells Fargo and disputed a Wells Fargo fraudulent credit account ending in XXXX that was opened Fraudulently against my will and by Wells Fargo . \n- -Wells Fargo also assumes all the legal consequences for its persistence to force me to accept something I didnt open which its credit card account ending in XXXX. \n- - again it is XXXX XXXX with home addressi- -XXXX XXXX XXXX XXXX XXXX VA XXXX And last 4 SSN XXXX. \n- I am noticing also about the following : ***Legal Notice & - Complaint- XXXX XXXX - - Wells Fargo Bank/Wells Fargo/To whom this legal notice and complaint concerns : - - - - I demanded and reaffirming that Wells Fargo and any company that has a name of Wells Fargo in its business legal name and operates in the United States and also a legal Notice to its decision makers ( involved in invading my rights to privacy and peace continuously in addition to violating many other laws and against me ) must comply to law and that you are commanded now by law to : - -immediately stop your interfering in any of my personal credit reports or files with any credit bureau. To stop your invasion against my privacy. -To stop your falsifications and misleading interferences against my financial records. To stop your blackmailing against me. To stop your continuous harassments against me. -to cease from any of your recorded intimidations and threats you made against me .To stop your illegal interfering against my credit reports since Currently You dont have any open credit or deposit account that I authorized ever you and at any time and to open it and on my own will and not by your own intervention against my will to cover up your other violations you did at any time and against me and/or the public and/or consumers - -Who are you that you think you can force me to submit to your own illusive will? Any of your usual criminal threats and activities against me would cost you more serious legal consequences and you would be prosecuted in a criminal case too. - - You have no business need to know and neither any type of my consent now and to interfere or change or do anything with my information within any credit bureau. _____________ You must not alter, destruct or delete or get rid of any information related to my person and that you stored in any form and it is all evidences and you are noticed of all the above and not to destruct evidences and you must comply and this was a final notice .- - Currently, there are legal case/s against you. - - - Therefore, you must stop your blackmailing and interference into my private personal credit reports within any credit bureau and at any time and secondarily you must also comply and preserve all evidences as directed above. - Sincerely, -. _______The claimant ._______ XXXX XXXX - - - *** without waiving my rights, all stated herein is subject to any correction or anything at any time and by my person or my representative and without notice and all herein is to my current states belief, knowledge and understanding. XXXX receipt of this complaint is your consent to immediately comply to all the above legal notice - - - XXXX XXXX. I reserve all my rights.","date_sent_to_company":"2019-09-06T16:53:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"22041","tags":null,"has_narrative":true,"complaint_id":"3365740","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-09-06T16:17:49.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Executive Office XXXX XXXX XXXX XXXX XXXX, IA XXXX Fax XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Response to your account inquiry Account number ending in : XXXX Wells Fargo case number : XXXX <em>Consumer</em> <em>Financial</em> Protection Bureau, case number : XXXX <em>Dear</em> XXXX XXXX : We are responding to your recent account inquiry dated XX/XX/2019. Our records show that your inquiry was addressed on XX/XX/2019."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[10.407581,"3365740"]},{"_index":"complaint-public-v1","_id":"16384933","_score":9.976808,"_source":{"product":"Credit card","complaint_what_happened":"bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo:\\nConsumer Financial Protection Bureau\\nXXXX XXXX XXXX XXXX XXXX XXXXSubject: Urgent Rebuttal to Wells Fargo\\'s Deceptive and Factually Incorrect Final Response\\nCFPB Case Numbers: XXXX XXXX and all related cases.\\nWells Fargo Bilt Mastercard Account: XXXX XXXX XXXX XXXXn\\nDear Sir or Madam,\\n\\nI am writing in absolute dismay to formally and emphatically rebut the final response from Wells Fargo, dated XXXX XXXX XXXX. Their letter is not a good-faith investigation; it is an exercise in deception that relies on fabricated information to justify their systemic billing failures.\\n\\nWells Fargo\\'s entire defense rests on a single, provably false claim. They have invented new dates for my returned payments to create a misleading timeline. This is not a mistake; it is a deliberate attempt to mislead your office and avoid accountability. I have the bank records to prove it.\\n\\nThe Core Deception: Wells Fargo Has Fabricated Key Dates\\nThe central pillar of Wells Fargo\\'s argument is that my returned payments occurred after their billing statements were generated. To support this, they have invented dates out of thin air.\\n\\n1. The XXXX XXXX Payment Failure:\\n\\nWells Fargos Fabricated Claim: \"The payment processed on XXXX XXXX XXXX, for XXXX, was then returned on XXXX XXXX XXXX...\"\\n\\nThe Verifiable Truth: This is a lie. My enclosed Bank of America statement for March proves the payment was RETURNED on XXXX XXXX XXXX. This is four days before Wells Fargo\\'s statement was generated on March 18th. Their statement was inaccurate the moment it was printed.\\n\\n2. The XXXX XXXX Payment Failures:\\n\\nWells Fargos Fabricated Claim: \"The payment for XXXX was returned on XXXX XXXX XXXX..\" and the payment for XXXX was returned on XXXX XXXX XXXX\"\\n\\nThe Verifiable Truth: This is also false. My XXXX XXXX XXXX statement for XXXX proves these payments were RETURNED on XXXX XXXX and XXXX XXXX XXXX respectively. This is well before their statement was generated on XXXX XXXX.\\n\\nThis is the \"smoking gun.\" Wells Fargo\\'s entire argumentthat the statements were accurate at the time and that interest charges are validis built on a foundation of lies. They are not addressing a discrepancy; they are actively creating a false narrative.\\n\\nDismantling Wells Fargo\\'s Flawed Conclusions\\nBecause their premise is false, all of their conclusions are invalid.\\n\\nOn \"Accurate Statements\": A statement that reports a failed payment as successful is, by definition, materially inaccurate. Their refusal to issue corrected statements is a refusal to correct their own false records.\\n\\nOn \"Valid Interest\": The XXXX in interest (as of the XXXX XXXX statement) is a direct and sole consequence of being misled by these inaccurate statements. You cannot create a problem through a systemic reporting failure and then claim the financial penalties for your customer are legitimate.\\n\\nOn \"Correct Credit Reporting\": Wells Fargo is violating the FCRA by furnishing inaccurate data and then shirking their responsibility by telling me to \"contact the consumer reporting agencies directly.\" The failed Equifax investigation I submitted previously proves this is a dead end and that Wells Fargo is the source of the bad data.\\n\\nDemand for Regulatory Intervention\\nWells Fargo has not conducted a good-faith investigation. They have ignored clear evidence, invented false information in a formal response to a regulatory complaint, and continue to charge me interest based on their own errors. This demonstrates a stunning lack of internal controls and a culture of blaming the customer.\\n\\nThis is no longer just a billing dispute. It is a case of a major financial institution providing false information to both its customer and its regulator.\\n\\nI urge the CFPB to reject Wells Fargo\\'s findings and compel them to provide the only fair resolution:\\n\\nA full refund of all interest charges, which now exceed XXXX.\\n\\nThe issuance of corrected statements for all affected months (XXXX XXXX XXXX XXXX).\\n\\nA formal directive to all credit bureaus to correct my credit files and written confirmation to me that this has been done.\\n\\nAn explanation for why they knowingly provided false information in an official complaint response.\\n\\nI have been patient and diligent in providing evidence. Wells Fargo has responded with deception. I trust the Bureau will hold them accountable.\\n\\nSincerely,\\n\\nHenggao Cai\\n\\nEnclosures:\\n\\nCopy of Wells Fargo\\'s Response (dated XXXX XXXX XXXX)\\n\\nAll previously submitted Wells Fargo and XXXX XXXX XXXX statements proving the actual return dates.\\n\\nCopy of the failed Equifax investigation results.'","date_sent_to_company":"2025-10-06T22:01:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"085XX","tags":null,"has_narrative":true,"complaint_id":"16384933","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-10-06T20:11:05.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo:\\n<em>Consumer</em> <em>Financial</em> Protection Bureau\\nXXXX XXXX XXXX XXXX XXXX XXXXSubject: Urgent Rebuttal to Wells Fargo\\'s Deceptive and Factually Incorrect Final Response\\nCFPB Case Numbers: XXXX XXXX and all related cases.\\nWells Fargo Bilt Mastercard Account: XXXX XXXX XXXX XXXXn\\n<em>Dear</em> Sir or Madam,\\n\\nI am writing in absolute dismay to formally and emphatically rebut the final response from Wells Fargo, dated XXXX XXXX XXXX."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[9.976808,"16384933"]},{"_index":"complaint-public-v1","_id":"1955080","_score":9.967914,"_source":{"product":"Bank account or service","complaint_what_happened":"Product : Financial support services Sub-product : financial support, control and access Issue : violation of fiduciary responsibility laws Sub-issue : misappropriation of customer 's funds Consumer complaint narrative : I 'd been a USAA customer for 49 years, with XXXX checking accounts ( XXXX ), a savings account, XXXX investment accounts, car and home insurance and a trusteeship. USAA correctly ID 'd an attempted fraud against my credit card on XXXX XXXX, 2016, then shut me out of access to ALL of my accounts so that I could access NOTHING and, with their closed communication system I could only send letters to the USAA CEO ( XXXX, to date, which I can produce copies of ). I still received non-response emails notices of deposits and pre-programmed ( \" bill pay '' ) payments from the only checking account remaining at USAA ( set up in response to my first special delivery letter to the USAA CEO ). However, when I opened accounts with a new bank in self defense and attempted to duplicate my \" bill pay '' list that I had with USAA, I could not access my USAA \" bill pay '' accounts to close them or to make any other changes. As a result, I could not even monitor my USAA credit card account ( which has most likely negatively affected my credit score ) and pre-programmed \" bill pay '' duplicate payments were sent from USAA to my creditors, including a $ XXXX payment to a home ex-mortgagee, on XXXX/XXXX/2016, after I had obtained a VA Refi and that mortgagee had been paid off ( below ). \nRepeated attempts to communicate by telephone generally resulted \" someone will call you in 24 to 48 hours. '' The ONLY time that call-back happened, it was another pass-the-buck situation with the usual \" someone will call you in 24 to 48 hours. '' Each time I called since XXXX XXXX, however, I had to re-justify myself with a new 20-question \" security '' quiz and, though I get email messages that I have a USAA email, it is within their closed system to which I no longer have access. THIS is NOT the kind of caring service I had previously experienced with USAA and I 'm surprised at the number of \" Account opening, closing, or management '' and related complaints I see against USAA in this database just since XXXX XXXX!!! \n==================================================================== This is a prime example of USAA 's misappropriation of funds - Your payment to XXXX has been sent XXXX sent it to me on XXXX XXXX, 2016, XXXX From : XXXX Format : To : XXXX Your payment to XXXX has been sent View Accounts | Privacy Promise | Contact Us USAA SECURITY ZONE To : XXXX, USAA # ending in : XXXX Dear XXXX, The following payment has been sent : Biller : XXXX Account Number : XXXX Payment Amount : {$1000.00} Date Debited From Your Account : XXXX/XXXX/2016 Date Sent to Biller : XXXX/XXXX/2016 Estimated Date Posted by Biller : XXXX/XXXX/2016 XXXX has not supplied posting information for this payment. The posted date above is an estimate based on our past experience with XXXX. \n*Note : If the word Draft appears as the date the payment was debited from your account, we could not send your biller an electronic payment and sent a paper check instead. Your account will be debited after the biller deposits the check and it is paid by your financial institution. \nTo stop receiving reminders like this, access USAA Web BillPay and change your reminder settings for this biller. \nIf you have questions about this bill, please contact XXXX directly. For all other questions, logon on to usaa.com, and select Pay Bills. ( NONE OF WHICH IS POSSIBLE, because of USAA 's Shut-out of my accounts!! )","date_sent_to_company":"2016-06-05T21:34:07.000Z","issue":"Account opening, closing, or management","sub_product":"Other bank product/service","zip_code":"975XX","tags":"Older American","has_narrative":true,"complaint_id":"1955080","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2016-06-05T21:34:06.000Z","state":"OR","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Product : <em>Financial</em> support services Sub-product : <em>financial</em> support, control and access Issue : violation of fiduciary responsibility laws Sub-issue : misappropriation of customer 's funds <em>Consumer</em> <em>complaint</em> <em>narrative</em> : I 'd been a USAA customer for 49 years, with XXXX checking accounts ( XXXX ), a savings account, XXXX investment accounts, car and home insurance and a trusteeship."]},"sort":[9.967914,"1955080"]},{"_index":"complaint-public-v1","_id":"15397997","_score":9.915195,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this complaint to formally dispute multiple inaccuracies on my credit report that have caused substantial financial harm and undue stress. Despite my repeated attempts to resolve these issues directly with the creditors and credit reporting agencies, these errors persist, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. \nADDRESSES INACCURATELY REPORTED XXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Law : FCRA 1681i requires consumer reporting agencies to investigate disputed information and promptly correct or delete it. \nStory : I have never lived at this address, nor have I ever conducted any personal or financial business from this location. Including this as part of my history falsely projects instability in my residency pattern. When lenders and landlords review my report, they assume I move frequently, which signals financial irresponsibility and risk. This reporting mistake has already delayed an apartment approval I applied for in XXXX, as the landlord confronted me about an address I have no knowledge of. This shows the immediate harm caused. \n\nXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Law : FCRA 1681e ( b ) requires agencies to assure maximum possible accuracy in all information they maintain on a consumer.\n\nStory : This address is completely unrelated to me, yet its listing suggests I maintained multiple residencies. Such misinformation causes doubt about my financial stability, and more importantly, raises unnecessary fraud alerts when my credit is pulled. Because of this false address, I faced questioning from a bank representative while applying for a checking account. I had to re-verify my ID and utility bills, causing embarrassment and wasted time. This misinformation diminishes my credibility and violates my right to accurate reporting. \n\nACCOUNTS REPORTED WITH INACCURATE STATUS XXXX XXXX XXXXXXXX | High Balance : {$290.00} | Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681i ( a ) ( 1 ) requires accuracy in late payment reporting, and unverifiable entries must be corrected or deleted.\n\nStory : The so-called late payment is entirely misrepresented. I consistently made my payments, though one particular billing cycle payment was processed through an electronic transfer that experienced delays beyond my control. The creditor was aware of this and waived the fee, yet my credit file reflects a late mark. This is misleading and does not provide the full context. Because of this unfair late mark, my loan application for a credit consolidation plan in XXXX was denied, costing me financial opportunities and forcing me to pay higher interest on other obligations. This demonstrates direct harm caused by wrongful reporting. \n\nXXXX XXXXXXXX | High Balance : {$240.00} | Date Opened : XX/XX/XXXX Issue : Charge Off Law : FDCPA 807 strictly prohibits furnishing false status on consumer obligations.\n\nStory : This account is incorrectly reported as a charge-off. I had set up an agreement with the lender to modify the repayment schedule. Instead of reflecting this arrangement, the creditor chose to report it as a charge-off, undermining my credit health. False reporting of a charge-off reflects extreme delinquency, creating a narrative that is completely untrue about my financial reliability. Because of this misreporting, I was denied access to a secured loan which could have improved my financial situation. \n\nXXXX XXXX XXXX | High Balance : {$480.00} | Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 623 ( a ) ( 1 ) ( A ) forbids knowingly providing inaccurate info to a bureau.\n\nStory : This account incorrectly duplicates my prior XXXX XXXX account with a charge-off notation. This duplicated account is both misleading and unlawful. I have faced repeated declines for credit limit increases simply because it appears as if I have XXXX separate XXXX XXXX charge-offs on my profile when in reality, this data is wrong and duplicate. \n\nXXXX XXXX | High Balance : {$720.00} | Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 611 requires reinvestigation when late payment disputes are raised.\n\nStory : The late notations tied to this account stemmed from billing errors acknowledged by the company. I made payments in good faith and promptly communicated with them, yet my credit report still reflects derogatory marks. These derogatories not only lower my score but mischaracterize me as financially negligent when in fact I acted responsibly and within the periods granted. \n\nLegal Basis for Complaint : FCRA 1681i ( a ) : Requires credit reporting agencies to investigate and correct inaccurate information.\n\nFCRA 604 ( a ) : Unauthorized inquiries are prohibited.\n\nFDCPA 1692e & 1692f : Prohibits false or misleading representations by debt collectors.\n\nFDCPA 1692c ( b ) : Prohibits disclosure of consumer information to unauthorized third parties.\n\nRequested Action : 1. Correct all inaccurate addresses on my credit report.\n\n2. Investigate and remove all false late payments, charge-offs, and collections.\n\n3. Remove all unauthorized hard inquiries.\n\n4. Provide written confirmation of corrections to me and all major credit bureaus.\n\nI urge the CFPB to intervene to ensure compliance with federal law and the protection of my rights. If these violations continue unaddressed, I am prepared to pursue further legal remedies under FCRA and FDCPA, including filing complaints with the FTC. \nThank you for your immediate attention to this matter.","date_sent_to_company":"2025-08-21T00:15:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"281XX","tags":null,"has_narrative":true,"complaint_id":"15397997","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-21T00:10:33.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Dear</em> CFPB, I am submitting this <em>complaint</em> to formally dispute multiple inaccuracies on my credit report that have caused substantial <em>financial</em> harm and undue stress. Despite my repeated attempts to resolve these issues directly with the creditors and credit reporting agencies, these errors persist, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[9.915195,"15397997"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":69,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":69}]}},"product":{"doc_count":69,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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