{"took":869,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":56,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11268180","_score":21.393784,"_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> <em>Protection</em> <em>Bureau</em> 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> <em>Protection</em> <em>Bureau</em>, 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":[21.393784,"11268180"]},{"_index":"complaint-public-v1","_id":"13582584","_score":19.657154,"_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> <em>Protection</em> <em>Bureau</em>, I am filing a <em>complaint</em> against IC System for improperly reporting a medical debt to credit <em>bureaus</em> 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":[19.657154,"13582584"]},{"_index":"complaint-public-v1","_id":"14921709","_score":18.875582,"_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> <em>Protection</em> <em>Bureau</em> 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":[18.875582,"14921709"]},{"_index":"complaint-public-v1","_id":"17259011","_score":18.405115,"_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> <em>Protection</em> <em>Bureau</em> ( CFPB )."]},"sort":[18.405115,"17259011"]},{"_index":"complaint-public-v1","_id":"16965521","_score":18.320541,"_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> <em>Protection</em> <em>Bureau</em> 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":[18.320541,"16965521"]},{"_index":"complaint-public-v1","_id":"11096926","_score":16.740147,"_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> <em>Protection</em> <em>Bureau</em> ( 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> <em>Protection</em> <em>Bureau</em>."]},"sort":[16.740147,"11096926"]},{"_index":"complaint-public-v1","_id":"8236008","_score":16.409737,"_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> <em>Protection</em> <em>Bureau</em> ( 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":[16.409737,"8236008"]},{"_index":"complaint-public-v1","_id":"8639443","_score":16.171412,"_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> <em>Protection</em> <em>Bureau</em> 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":[16.171412,"8639443"]},{"_index":"complaint-public-v1","_id":"12113515","_score":15.450446,"_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":["Assurance that no further violations of my <em>consumer</em> and XXXX rights will occur. \nFailure to comply with these demands will leave me no choice but to escalate this matter by filing additional <em>complaints</em> with the <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> ( 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."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[15.450446,"12113515"]},{"_index":"complaint-public-v1","_id":"14967361","_score":15.389566,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Formal Complaint Against U.S. Bank : Obstruction of Account Closure, Blocking Access, and Questionable Dormancy Practices Dear Consumer Financial Protection Bureau, I am filing this complaint against U.S. Bank due to their deliberate obstruction of my request to close my personal bank account, along with what I believe are unfair, deceptive, and manipulative practices involving false dormancy claims, digital access blocks, and the creation of fee-generating scenarios without legal justification. \n\nAccount Closure Request and Blocking of Access On a recent call with a U.S. Bank representative named XXXX, I inquired about closing my account. He instead suggested that I deposit additional funds via check. I informed him that I preferred to close the account entirely. Following that call, I was immediately locked out of my online banking account. Prior to that call, I had full access and could even add money to the account. The sudden revocation of access after rejecting their suggestion to deposit funds appears retaliatory and lacks justification. It is evident that the bank unilaterally XXXX my access for its own internal gain. \n\nFalse Dormancy Claim The bank later mailed a letter dated XX/XX/XXXX, stating : We may close the account if you do not respond within 30 days from the date of this letter. \n\nI responded within the XXXX window by calling on XX/XX/XXXX, clearly satisfying their stated deadline. However, the bank proceeded to claim the account had become dormant and demanded that I complete a questionnaire and await approval to reactivate the account before I could request its closure again. \nThis requirement is not mandated by any federal or New York State law, and I was never informed of this process when I initially requested closure. Furthermore, U.S. Bank 's premature classification of dormancy, despite my call within the deadline, creates a manufactured barrier designed to delay closure and continue applying maintenance fees. \n\nScheme to Drain Account via Fees My account currently has a positive balance of approximately {$19.00}, and I have not overdrawn or violated any terms. Nonetheless, the bank 's decision to restrict access while continuing to apply fees will soon deplete this balance. After that, I risk being sent overdraft notices for an account I attempted to close. U.S. Bank is essentially taking money from me without service, while denying me any ability to intervene.\n\nI have found no legal support for U.S. Bank 's actions. In fact, multiple laws and regulations affirm my right to close an account without obstruction or exploitation : Legal and Regulatory Support 1. Consumer Financial Protection Bureau Guidance : Once you have made a request, state law generally requires banks or credit unions to close your account in a reasonable amount of time. \n( Consumer Financial Protection Bureau, XXXX ) XXXX XXXX XXXX XXXX. Federal Law Dodd-Frank Act ( UDAAP Protections ) : The Bureau may take any action authorized to prevent a covered person or service provider from committing or engaging in an unfair, deceptive, or abusive act or practice... \n( XXXX XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXXXXXX The banks behavior blocking access after a closure request, inventing approval processes, continuing to charge fees on a blocked account, and placing arbitrary restrictions potentially qualifies as an unfair and abusive practice under federal UDAAP standards. \n\n3. New York State Law Banking Law 9-I : No banking institution shall charge its customers a fee for the withdrawal of all funds from any account resulting in the closing of such account provided that such account was opened for a period of at least XXXX XXXX XXXX consecutive days prior to its closing. \n( New York XXXX XXXX, XXXX ) XXXX XXXX XXXX This law supports my demand that no closure or maintenance fees should be applied when I am trying to withdraw and close the account after more than 180 days. U.S. Banks refusal to close the account while quietly applying fees appears to be a strategy to extract money while undermining my legal protections. \n\nFinal Summary This entire experience demonstrates how U.S. Bank is weaponizing its internal policies against its own customers. They are leveraging technical control over access, false dormancy narratives, and bureaucratic roadblocks to extract fees from accounts they refuse to close, despite lawful requests. \n\nI am requesting the CFPB to conduct a full investigation into U.S. Banks handling of dormant account closures and their delay tactics designed to generate revenue through unjustified fees. This practice is likely harming many consumers, not just myself.\n\nReferences Consumer Financial Protection Bureau. ( XXXX, XX/XX/XXXX ). Can I close my account whenever I want? XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX- Prohibiting unfair, deceptive, or abusive acts or practices. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX New York XXXX XXXX XXXX ( XXXX ). New York Banking Law 9-I : Withdrawal of all funds ; prohibition against fee. XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-30T20:55:45.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"11691","tags":null,"has_narrative":true,"complaint_id":"14967361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2025-07-30T19:57:56.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Subject : Formal <em>Complaint</em> Against U.S. Bank : Obstruction of Account Closure, Blocking Access, and Questionable Dormancy Practices <em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am filing this <em>complaint</em> against U.S."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.389566,"14967361"]},{"_index":"complaint-public-v1","_id":"14399321","_score":15.250871,"_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> <em>Protection</em> <em>Bureau</em> 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":[15.250871,"14399321"]},{"_index":"complaint-public-v1","_id":"14363136","_score":15.248695,"_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> <em>Protection</em> <em>Bureau</em> 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":[15.248695,"14363136"]},{"_index":"complaint-public-v1","_id":"14535343","_score":15.075429,"_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> <em>Protection</em> <em>Bureau</em>, 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":[15.075429,"14535343"]},{"_index":"complaint-public-v1","_id":"14532829","_score":15.075429,"_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> <em>Protection</em> <em>Bureau</em>, 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":[15.075429,"14532829"]},{"_index":"complaint-public-v1","_id":"12113905","_score":14.858994,"_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":["Assurance that no further violations of my <em>consumer</em> 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 <em>complaints</em> with the <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> ( 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."],"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":[14.858994,"12113905"]},{"_index":"complaint-public-v1","_id":"16157502","_score":14.78713,"_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> <em>Protection</em> <em>Bureau</em> 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":[14.78713,"16157502"]},{"_index":"complaint-public-v1","_id":"3365647","_score":14.257426,"_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> <em>Protection</em> <em>Bureau</em>, 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":[14.257426,"3365647"]},{"_index":"complaint-public-v1","_id":"3365714","_score":14.255999,"_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> <em>Protection</em> <em>Bureau</em>, 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":[14.255999,"3365714"]},{"_index":"complaint-public-v1","_id":"3365740","_score":14.13197,"_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> <em>Protection</em> <em>Bureau</em>, 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":[14.13197,"3365740"]},{"_index":"complaint-public-v1","_id":"13061249","_score":13.284114,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : XXXX XXXX XXXX JPMorgan Chase Bank Allowing Unauthorized Debits While Locking Customer Access to Funds To : XXXX XXXX XXXX XXXX/ CFPB, FTC, and other applicable regulators From : [ XXXX A XXXX ] Dear XXXX XXXX XXXX et al, I am urgently reaching out to request public exposure and investigation into JPMorgan Chase Bank, XXXX, which is engaged in ongoing, harmful, and potentially fraudulent conduct that is affecting not only myself but possibly countless consumers nationwide. \n\nOver the last several weeksand more urgently, over the last several daysI have been subjected to what can only be described as a calculated campaign of financial harm by Chase. This is not a one-time mistake or misunderstanding, but the result of policies and internal misconduct that reflect a complete and utter disregard for federal mandates, CFPB guidelines XXXX and Chases own contractual terms and conditions. \n\nThis is not just a customer service issue. This is about a bank ignoring federal law, breaching its own contractual responsibilities, and enabling financial harm to its account holdersall while shielding itself from accountability through false statements and deceptive practices. \n\nOngoing and Unresolved Issues : For months, I have kept my debit card locked at my own discretion due to a growing concern over unauthorized debits and fraud attempts. I use the lock feature specifically to protect my funds and maintain control over when and where my money is accessed. \n\nHowever, despite my card being locked, Chase Bank has allowed multiple unauthorized electronic fund transfers ( EFTs ) and debits to go through, which is a direct violation of federal consumer protection laws, including : Regulation E ( Electronic Fund Transfer Act ) which requires banks to prevent, investigate, and remediate unauthorized electronic debits ( 12 CFR 1005.6 & 1005.11 ), and Regulation Z ( Truth in Lending Act ) which mandates transparency and prohibits banks from engaging in deceptive billing and account practices ( 12 CFR 1026 ). \n\nChases system allowed companies to bypass my locked card settings, breach my account, and deduct money without my authorization, even as I, the account holder, had intentionally restricted access. \n\nAt the same time, Chase continues : Charging me service fees because my personal account does not hold a {$2000.00} balance, Overdrafting my account to collect these feesdespite preventing me from overdrafting for my own survival expenses, And ignoring their legal duty to secure my account and honor federal protections. \n\nThis is the definition of predatory financial practicewhen a bank holds your money XXXX while continuing to profit from your inability to access it. \n\nThese are not isolated events. They are the latest in a long list of violations, including : Refusing to initiate arbitration proceedings, in direct violation of their own agreements and the Federal Arbitration Act ( 9 U.S.C. 116 ) ; Knowingly submitting false statements to the Consumer Financial Protection Bureau, which may violate 18 U.S.C. 1001 and the False Claims Act ( 31 U.S.C. 3729 ) ; Applying arbitrary holds and excessive fees, while misrepresenting or concealing the true nature of these charges in breach of the FTC Act ( 15 U.S.C. 45 ) ; And imposing racially biased, discretionary banking policies that disproportionately harm customers of XXXX, violating 42 U.S.C. 1981. \n\nThis is not simply negligence. This is a calculated strategy where Chase : Allows unauthorized transactions for its own benefit, Profits through fees and interest from delayed access and overdrafts, Suppresses complaints by issuing false statements to federal regulators, And avoids consumer redress by refusing to initiate contractually obligated arbitration, in breach of the Federal Arbitration Act ( 9 U.S.C. 116 ). \n\n\n\nWhy This Deserves XXXX XXXX : The public must be made aware that Chases fraud protections do not work as promised. If consumers lock their debit cards and unauthorized transactions are still processed, then every Chase customer is vulnerable to theft and exploitationwhile Chase still gets paid. \n\nDespite escalating this to the CFPB, Chase has submitted misleading responses and continues to ignore my demands for arbitration, in violation of federal law and their own terms. These tactics are designed to exhaust, silence, and disempower consumers, and they must be exposed. \n\n\n\nI am calling on XXXX XXXX to help investigate and expose the larger implications of what I and likely millions of other Chase customers are enduring. When a megabank believes it can : Lock your account, Let fraudulent withdrawals proceed, Penalize you for not having money it wont let you access, Then submit false information to federal regulators to cover its tracks were no longer talking about mistakes. Were talking about corporate misconduct and fraud. \n\nI Am Requesting the Following : That XXXX XXXX XXXX a consumer alert or investigative report on JPMorgan Chases handling of unauthorized transactions, fraud response failure, and illegal fee practices ; That customers are encouraged to review their account settings and transaction history for signs of unauthorized debits processed while their accounts or cards were locked ; And that the broader media narrative shifts from bank error to bank accountability and federal violation. \n\nI am prepared to share full documentation, including : Debit card settings showing my locked status, Dates and descriptions of unauthorized debits, Fee and overdraft statements, Prior CFPB filings, And written arbitration demands Chase has refused to honor. \n\nThis is not a one-time error. This is an institutional failureand it is time consumers are informed. \n\nThank you for your continued dedication to consumer rights. I look forward to speaking with your team. \n\nSincerely, [ XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ]","date_sent_to_company":"2025-04-18T15:00:17.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"13061249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-04-18T14:29:21.000Z","state":"GA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["They are the latest in a long list of violations, including : Refusing to initiate arbitration proceedings, in direct violation of their own agreements and the Federal Arbitration Act ( 9 U.S.C. 116 ) ; Knowingly submitting false statements to the <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, which may violate 18 U.S.C. 1001 and the False Claims Act ( 31 U.S.C. 3729 ) ; Applying arbitrary holds and excessive fees, while misrepresenting or concealing the true nature of these charges in breach of the FTC Act"]},"sort":[13.284114,"13061249"]},{"_index":"complaint-public-v1","_id":"16384933","_score":13.166156,"_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> <em>Protection</em> <em>Bureau</em>\\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":[13.166156,"16384933"]},{"_index":"complaint-public-v1","_id":"17904182","_score":13.013084,"_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> <em>Protection</em> <em>Bureau</em> ( 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":[13.013084,"17904182"]},{"_index":"complaint-public-v1","_id":"13680299","_score":12.52884,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last four ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion/Experian Subject : Formal Dispute of XXXX XXXX XXXX Account Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ( Account Reference Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Dispute Under FCRA 1681e ( b ), 1681i, and 1681s-2 Dear TransUnion and Experian, I am writing to formally dispute the inaccurate and incomplete information being reported on my credit file concerning an account from XXXX XXXX XXXX, associated with the original creditor XXXX XXXX XXXX XXXX. This account is reported with multiple material inconsistencies between your respective bureaus, which violate my rights under the Fair Credit Reporting Act ( FCRA ) and compromise the integrity of my consumer report. \n\nBelow are the specific issues I demand be investigated and resolved : 1. Inconsistent Account Opening Dates TransUnion reports : XX/XX/XXXX Experian reports : XX/XX/XXXX This discrepancy in reported opening dates violates FCRA 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. Conflicting foundational data is clear evidence of unreliable furnishing. \n\n2. Omission of \" Number of Months ( Terms ) '' This field is left blank by both TransUnion and Experian. \nAs this is critical contractual information, its omission renders the account unverifiable and fails to meet the requirements of completeness and accuracy outlined in 1681i ( a ).\n\n3. Missing Credit Limit No credit limit is listed by either bureau.\n\nA credit or collection account missing this fundamental data is deficient in substance and does not allow for a fair interpretation of the account 's severity or impact. This omission further supports deletion under FCRA 1681e ( b ) and 1681i.\n\n4. Missing Past Due Amounts Both bureaus fail to report any past due amounts.\n\nA collection or delinquent account lacking this detail is misleading, suggesting it may not be delinquent at all. This constitutes incomplete and inaccurate reporting under 1681s-2 ( a ) ( 1 ) ( A ). \n\n5. Inconsistent and Misleading Comments TransUnion comments : Placed for Collection Experian : No comment listed The presence of conflicting comment data between credit bureaus creates an inconsistent narrative of account status, in direct conflict with the duty to report data uniformly and clearly under 1681e ( b ).\n\n6. Date Last Active Conflict TransUnion reports : XX/XX/XXXX Experian reports : XX/XX/XXXX This is clear grounds for deletion or a full-scale reinvestigation. \n\nDEMAND FOR ACTION Pursuant to the rights granted to me under FCRA 1681i, I demand that you : Delete this account entirely from my credit file if it can not be verified as 100 % accurate and complete in every respect. \n\nDo not simply verify or update the accountI am specifically demanding that the listed discrepancies be individually addressed, not generically corrected or verified without documentation. \n\nShould you choose to verify the account, I am formally invoking my right to a Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ), which includes : -The name and contact information of the data furnisher ; -A detailed explanation of the reinvestigation procedures used ; -Copies of all original documents used to support and verify the accuracy of the reportingsuch as signed contracts, billing records, and payment history. \n\nNOTICE OF NONCOMPLIANCE Please be aware that any failure to delete or fully correct the above-referenced account within 30 days of this dispute will be interpreted as willful noncompliance with the FCRA, triggering my right to : File a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) ; File a complaint with the New York State Attorney Generals Office ; Seek legal remedies under FCRA 1681n for willful noncompliance and 1681o for negligent noncompliance, including statutory, actual, and punitive damages. \nPlease provide a written response within 30 days, outlining the actions taken and enclosing the necessary documentation. \n\nThank you for your immediate attention to this matter. \n\nAttached Is My State Id ( Verification ) Bank Statement ( proof of address ) XXXXXXXX XXXX Inconsistencies Highlighted Sincerely, XXXX XXXX","date_sent_to_company":"2025-05-23T04:32:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10009","tags":null,"has_narrative":true,"complaint_id":"13680299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-23T04:31:42.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["NOTICE OF NONCOMPLIANCE Please be aware that any failure to delete or fully correct the above-referenced account within 30 days of this dispute will be interpreted as willful noncompliance with the FCRA, triggering my right to : File a <em>complaint</em> with the <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> XXXX CFPB ) ; File a <em>complaint</em> with the New York State Attorney Generals Office ; Seek legal remedies under FCRA 1681n for willful noncompliance and 1681o for negligent noncompliance, including statutory, actual"],"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":[12.52884,"13680299"]},{"_index":"complaint-public-v1","_id":"13679228","_score":12.52884,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last four ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion/Experian Subject : Formal Dispute of XXXX XXXX XXXX Account Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ( Account Reference Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Dispute Under FCRA 1681e ( b ), 1681i, and 1681s-2 Dear TransUnion and Experian, I am writing to formally dispute the inaccurate and incomplete information being reported on my credit file concerning an account from XXXX XXXX XXXX, associated with the original creditor XXXX XXXX XXXX XXXX. This account is reported with multiple material inconsistencies between your respective bureaus, which violate my rights under the Fair Credit Reporting Act ( FCRA ) and compromise the integrity of my consumer report. \n\nBelow are the specific issues I demand be investigated and resolved : 1. Inconsistent Account Opening Dates TransUnion reports : XX/XX/XXXX Experian reports : XX/XX/XXXX This discrepancy in reported opening dates violates FCRA 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. Conflicting foundational data is clear evidence of unreliable furnishing. \n\n2. Omission of \" Number of Months ( Terms ) '' This field is left blank by both TransUnion and Experian. \nAs this is critical contractual information, its omission renders the account unverifiable and fails to meet the requirements of completeness and accuracy outlined in 1681i ( a ).\n\n3. Missing Credit Limit No credit limit is listed by either bureau.\n\nA credit or collection account missing this fundamental data is deficient in substance and does not allow for a fair interpretation of the account 's severity or impact. This omission further supports deletion under FCRA 1681e ( b ) and 1681i.\n\n4. Missing Past Due Amounts Both bureaus fail to report any past due amounts.\n\nA collection or delinquent account lacking this detail is misleading, suggesting it may not be delinquent at all. This constitutes incomplete and inaccurate reporting under 1681s-2 ( a ) ( 1 ) ( A ). \n\n5. Inconsistent and Misleading Comments TransUnion comments : Placed for Collection Experian : No comment listed The presence of conflicting comment data between credit bureaus creates an inconsistent narrative of account status, in direct conflict with the duty to report data uniformly and clearly under 1681e ( b ).\n\n6. Date Last Active Conflict TransUnion reports : XX/XX/XXXX Experian reports : XX/XX/XXXX This is clear grounds for deletion or a full-scale reinvestigation. \n\nDEMAND FOR ACTION Pursuant to the rights granted to me under FCRA 1681i, I demand that you : Delete this account entirely from my credit file if it can not be verified as 100 % accurate and complete in every respect. \n\nDo not simply verify or update the accountI am specifically demanding that the listed discrepancies be individually addressed, not generically corrected or verified without documentation. \n\nShould you choose to verify the account, I am formally invoking my right to a Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ), which includes : -The name and contact information of the data furnisher ; -A detailed explanation of the reinvestigation procedures used ; -Copies of all original documents used to support and verify the accuracy of the reportingsuch as signed contracts, billing records, and payment history. \n\nNOTICE OF NONCOMPLIANCE Please be aware that any failure to delete or fully correct the above-referenced account within 30 days of this dispute will be interpreted as willful noncompliance with the FCRA, triggering my right to : File a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) ; File a complaint with the New York State Attorney Generals Office ; Seek legal remedies under FCRA 1681n for willful noncompliance and 1681o for negligent noncompliance, including statutory, actual, and punitive damages. \nPlease provide a written response within 30 days, outlining the actions taken and enclosing the necessary documentation. \n\nThank you for your immediate attention to this matter. \n\nAttached Is My State Id ( Verification ) Bank Statement ( proof of address ) XXXXXXXX XXXX Inconsistencies Highlighted Sincerely, XXXX XXXX","date_sent_to_company":"2025-05-23T04:32:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10009","tags":null,"has_narrative":true,"complaint_id":"13679228","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-23T03:58:51.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["NOTICE OF NONCOMPLIANCE Please be aware that any failure to delete or fully correct the above-referenced account within 30 days of this dispute will be interpreted as willful noncompliance with the FCRA, triggering my right to : File a <em>complaint</em> with the <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> XXXX CFPB ) ; File a <em>complaint</em> with the New York State Attorney Generals Office ; Seek legal remedies under FCRA 1681n for willful noncompliance and 1681o for negligent noncompliance, including statutory, actual"],"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":[12.52884,"13679228"]},{"_index":"complaint-public-v1","_id":"17620831","_score":12.23263,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX SSN : * -- XXXX Current Address : XXXX XXXX XXXX, XXXX, WV XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX and Equifax for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB Representative, I am filing a formal complaint against XXXX XXXX XXXX and Equifax Information Services LLC for reporting multiple inaccurate, incomplete, conflicting, and unverifiable items on my Equifax credit report, in violation of the Fair Credit Reporting Act ( FCRA ). \n\nThe disputed account appears as : * XXXX XXXX XXXX Account ending in XXXX Auto Loan Status : Charge-Off This information was obtained from my Equifax report dated XX/XX/XXXX, Confirmation # XXXX. \n\nSpecific FCRA Violations 1. Violation of FCRA 607 ( b ) : Failure to Assure Maximum Possible Accuracy Several fields contain clear, indisputable inaccuracies : The charge-off amount ( {$15000.00} ) exceeds the reported high credit ( {$15000.00} ) a mathematical impossibility. \n\nNarrative codes state the high credit equals the original charge-off amount, but the values differ.\n\nDates of delinquency, charge-off, and last payment contradict each other.\n\nThese inaccuracies demonstrate a failure to maintain accurate reporting as required.\n\n2. Violation of FCRA 623 ( a ) ( 1 ) : Furnishing Information Known or Should Be Known to Be Inaccurate Bridgecrest continues to furnish : Contradictory dates Impossible financial figures Repeated monthly balances with no updates for over 24 months This constitutes furnishing information that is not accurate or reliable.\n\n3. Violation of FCRA 623 ( a ) ( 5 ) : Misreporting / Re-Aging the Date of First Delinquency XXXX reports : Date of First Delinquency : XX/XX/XXXX Date Major Delinquency First Reported : XX/XX/XXXX Last Payment : XX/XX/XXXX These inconsistencies suggest improper re-aging to illegally extend the reporting period. \nRe-aging is explicitly prohibited by FCRA 623 ( a ) ( 5 ).\n\n4. Violation of FCRA 611 ( a ) : Reporting Incomplete or Unverifiable Information The account contains : Blank scheduled payment amounts No updated payment activity Repeated identical balances for two years Conflicting charge-off data Unverifiable information must be deleted.\n\n5. Violation of FCRA 605 ( a ) : Reporting Outdated or Improperly Dated Negative Information Re-aging artificially extends how long negative information remains on my credit report, violating the 7-year limit for delinquency-based reporting.\n\nRequested Action Under FCRA 602A, 607 ( b ), 611 ( a ), 623 ( a ), and 623 ( a ) ( 5 ), I respectfully request : Immediate deletion of the entire XXXX XXXX XXXX account from my Equifax credit file, because : The account contains multiple factual inaccuracies. \n\nThe data conflicts internally and is unverifiable. \n\nThe delinquency has been improperly re-aged. \n\nThe report violates federal obligations for accurate, complete, and fair reporting. \n\nI request the CFPB investigate these violations and ensure the consumer reporting agencies and furnisher comply with federal law. \n\nAttachments XXXXomplete Equifax credit report ( XX/XX/XXXX ) Highlighted Bridgecrest entry showing inaccurate fields. \n\nI have repeatedly sent disputes and they come back as verified, showing that Equifax has not performed due diligence and confirmed the actual misrepresentations in my report, leading to inaccurate reporting to continue despite those disputes. \n\nThank you for your prompt attention. I request written confirmation once corrective actions have been taken. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-01T17:16:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"258XX","tags":null,"has_narrative":true,"complaint_id":"17620831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-01T16:46:31.000Z","state":"WV","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX SSN : * -- XXXX Current Address : XXXX XXXX XXXX, XXXX, WV XXXX To : <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX and Equifax for Violations of the Fair Credit Reporting Act ( FCRA ) <em>Dear</em> CFPB Representative, I am filing a formal <em>complaint</em> against XXXX XXXX XXXX and Equifax 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