{"took":881,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":617,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18523730","_score":15.858112,"_source":{"product":"Credit card","complaint_what_happened":"CareCredit / Synchrony Bank Account Ending in XXXX ( Only Account Acknowledged ) XXXX. Scope and Identification of Account This escalation concerns CareCredit, a Synchrony Bank product, and only XXXX account : Account ending in XXXX. \n\nI do not acknowledge, recognize, or accept the existence of any other account number allegedly created after the closure of this account. I did not request, authorize, or consent to any new account, card, or account number, and I did not file any fraud complaint. \n\nAny reference by CareCredit or Synchrony Bank to a new account or fraud investigation is expressly disclaimed and rejected. \n\nXXXX. Nature of the Original Dispute A Valid Chargeback The underlying dispute on Account XXXX was a chargeback based on service failure and billing errors, never fraud. \n\nSpecifically : Services billed by the hospital were not rendered as represented and/or were incomplete. \n\nBilling accuracy and integrity were disputed. \n\nDocumentation was provided repeatedly. \n\nCareCredit/Synchrony responded by stating they : Can not judge quality of services, and Relied on hospital signatures and statements denying wrongdoing. \n\nA providers denial and a signed financial agreement do not constitute an investigation. \n\nRefusing to assess service failure or billing errors does not defeat a chargeback ; it avoids it. \n\nThis was, from the outset, a legitimate chargeback complaint that should have been granted or, at minimum, substantively evaluated. \n\nXXXX. Procedural Mishandling Mirrors the Substantive Failure The same defects appear repeatedly : Recycling the same denial language Ignoring evidence already on file Requesting documents already submitted Issuing conclusory denials without engagement This mirrors how CareCredit/Synchrony later responded to multiple CFPB complaints, by collapsing distinct issues into XXXX generic packet, showing no individualized review. \n\nXXXX Retaliatory Account Closure Without Notice On or about XX/XX/XXXX, Account XXXX was closed without advance notice and without legitimate cause. \n\nAt the time : There were no late payments nor are there any right now. \n\nThe account was in active dispute Any over-limit status was caused by fees and charges added during investigations, which should not have occurred I discovered the closure only on XX/XX/XXXX, when I was locked out of online access. \n\nThe explanations I was given were contradictory and false. \n\nXXXX Fabricated Fraud Narrative Explicitly Rejected After CareCredit/Synchrony were questioned ( including through CFPB complaints ) about the improper account closure, they introduced a false fraud narrative. \n\nThey claimed : I requested a fraud investigation A new account was opened for security reasons Fraud denials were issued on XX/XX/XXXX and XX/XX/XXXX This is false. \n\nI did not : Request a fraud investigation Report fraud by phone, mail, website, or complaint Ask for a new account Receive a new card Receive mailed notice of any new account Submit any fraud affidavit Contact identity theft services Yet CareCredit/Synchrony proceeded to : Issue fraud denial letters through CFPB responses Pressure me to swear affidavits and report identity theft * * * Continue advancing this narrative to regulators as fact * * * * This appears to be a post-hoc fabrication designed to justify an otherwise unjustifiable account closure and to sever the dispute history tied to Account XXXX. \n\nXXXX. Direct Regulatory Question Demand for Proof CareCredit and Synchrony Bank should be required to answer the following : When exactly was the alleged fraud request made? \n\nBy what method ( phone, mail, website, written complaint )? \n\nWhat proof exists that I initiated it? \n\nWhy do fraud denials exist for a claim I never filed? \n\nAdvancing a fabricated fraud claim to regulators is a serious compliance violation. Fraud is a major red flag ; lying about it undermines the credibility of every other assertion the company makes. \n\nXXXX. Pattern of Misrepresentation to Regulators I previously filed a CFPB complaint specifically addressing CareCredit/Synchronys attempt to coerce me into adopting their fraud narrative. Despite this, they continue to present it as fact. \n\nThey also responded to multiple CFPB complaints filed on different dates, involving different violations, with a single recycled response packet, demonstrating : No individualized investigation No timeline-specific analysis No good-faith engagement This pattern confirms that : The dispute investigation was never legitimate, and The CFPB complaint responses were likewise noncompliant. \n\nXXXX. Regulatory Concerns Raised This escalation raises serious concerns regarding : Failure to conduct good-faith chargeback investigations Concealment of material third-party evidence * * * Retaliatory account closure during an active dispute * * * Fabrication of a fraud narrative * * * Unauthorized account creation * * * Misrepresentation to regulators Abuse of the CFPB complaint response process","date_sent_to_company":"2026-01-07T06:30:56.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"18523730","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-01-07T06:02:04.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["This was, from the outset, a legitimate chargeback <em>complaint</em> that should <em>have</em> <em>been</em> granted or, at minimum, substantively evaluated. \n\nXXXX."]},"sort":[15.858112,"18523730"]},{"_index":"complaint-public-v1","_id":"14236881","_score":15.323483,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian for gross and continued violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, due to inaccurate information being reported on my credit file, including inaccurate accounts, misreported late payments, charge-offs, and an address I have never resided at.\n\nDespite multiple disputes, Experian has failed to conduct a reasonable investigation, continues to report false and damaging information, and refuses to remove accounts that are either inaccurate, unverifiable, or incorrectly associated with my identity. \nWrong Address Reported XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Wrong Address I have never resided at or been affiliated with this address. \nReporting this address is a violation of FCRA 1681e ( b ) which mandates that credit bureaus must maintain accurate and up-to-date information.\n\nThis false address has caused confusion, misidentification, and likely data merge with accounts that do not belong to me.\n\nInaccurate or Misreported Accounts 1. XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX High Balance : {$260000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681s-2 ( b ) Failure to correct or delete inaccurate information after dispute o Narrative : This mortgage account shows late payments that I have no knowledge of, and I have never been late based on my bank statements. No verification documents were provided upon dispute.\n\n2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$420.00} | Date Opened : XX/XX/XXXX o Issue : Charged Off o Violation : FCRA XXXX ( a ) Failure to properly reinvestigate disputed information o Narrative : This account is reporting a charge-off without proper validation. I requested documentation and none was provided. I also never opened an account on this date. \n3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$880.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681e ( b ) Inaccurate data retention o Narrative : Late payments reported here are inaccurate. I have proof of on-time payments and Experian failed to update even after dispute. \n4. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$240.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681i ( a ) o Narrative : This account contains late payment entries that are not accurate. XXXX could not verify the delinquencies when contacted. \n5. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FDCPA 1692e False or misleading representation o Narrative : I dispute the late payments reflected here. XXXX XXXX has multiple inaccuracies reported across bureaus which I suspect are due to reporting errors or data mix-up. \n6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681c Obsolete account reporting o Narrative : XXXX is reporting late payments past the legally permissible time. This is outdated and damaging to my credit file. \n7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$760.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681s-2 o Narrative : This account shows immediate delinquency right after opening, which is factually impossible. No documentation was provided after dispute. \n8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FDCPA 1692g Failure to validate o Narrative : These late payments are disputed and unverifiable. I have made consistent payments and XXXX has not confirmed any details. \n9. DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$84000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681s-2 ( b ) ( 1 ) ( D ) Furnishers must correct or delete inaccurate information o Narrative : These loans were placed in forbearance during COVID and should not show delinquencies. This misreporting is hurting my credit. \n10. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$7700.00} | Date Opened : XX/XX/XXXX o Issue : Charge-Off o Violation : FCRA 1681c ( a ) ( 4 ) Reporting obsolete charge-off o Narrative : This account is inaccurately listed as charged-off. There was a payment plan and resolution, which is not reflected.\n\n11. XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$44000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681i Failure to reinvestigate disputed information o Narrative : Account reflects multiple late payments without any notice to me. XXXX failed to respond to dispute with documentation. \nInaccurate Hard Inquiries XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX o Issue : Unverified inquiries o Violation : FCRA 1681b Permissible purpose required o Narrative : These inquiries were made without my consent and I have no existing relationship with some of these institutions at the time of inquiry.\n\nRequested Relief I respectfully request the Consumer Financial Protection Bureau to : 1. Conduct a full investigation into Experians failure to comply with federal consumer protection laws.\n\n2. Compel Experian to remove or correct the following : o All inaccurate and unverifiable late payments, charge-offs, and inquiries. \no The incorrect address ( XXXX XXXX XXXX XXXX, XXXX, AZ ). \nXXXX. Ensure Experian provides full documentation or deletes unverifiable items under FCRA 1681i ( a ) ( 5 ) ( A ).\n\n4. Sanction Experian for willful and negligent violations under FCRA 1681n and 1681o.","date_sent_to_company":"2025-06-23T20:58:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"238XX","tags":null,"has_narrative":true,"complaint_id":"14236881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-23T20:55:27.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX High Balance : {$260000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681s-2 ( b ) Failure to correct or delete inaccurate information after <em>dispute</em> o <em>Narrative</em> : This mortgage <em>account</em> shows late payments that I <em>have</em> no knowledge of, and I <em>have</em> never <em>been</em> late based on my bank statements. No verification documents were provided upon <em>dispute</em>.\n\n2."]},"sort":[15.323483,"14236881"]},{"_index":"complaint-public-v1","_id":"6042938","_score":15.312033,"_source":{"product":"Student loan","complaint_what_happened":"I filed a CFPB complaint XXXX on XX/XX/XXXX stating : \" I received an initial letter in XXXX telling me that as of XX/XX/XXXX, my student loans would be XXXX due to total and permanent XXXX. Then I received another letter in XXXX confirming the loans will be XXXX again. XXXX XXXX XXXX loans. XXXX remain with Navient on my credit report and still show open and Navient is still trying to collect even though I have shown everyone I have complained to these letters. Navient is impossible to get on the phone and when they do, they refer you to aidvantage. Aidvantage is not reporting on my credit open loans, Navient is reporting XXXX loans that have been XXXX even though they have been XXXX. Reporting this to the credit bureaus has done nothing. '' Navient called me and told me that the loans would be immediately XXXX after they received the complaint and that no further action would be needed. This was a lie because they then responded to the CFPB complaint by stating : \" Thank you for reaching out to the CFPB with your concerns regarding your student loan account. Navient currently services XXXX Federal Stafford Loans for you. Our records reflect that in XX/XX/XXXX, we received notice from XXXX that your request for Total and Permanent Disability Discharge ( TPDD ) was approved. As a result, a claim was filed with your loans guarantor on XX/XX/XXXX. Please keep in mind that Navient has XXXX from the notification date to file the claim. In turn, the guarantor has XXXX from the date the claim was filed to review and pay the claim. Once the claim payment has been received, your balance will be reduced to {$0.00}, and your loans will be transferred to XXXX. You will receive notification of these actions at that time. An update will then be sent to the consumer reporting agencies advising that your loans have been closed and transferred. However, until the claim is paid, your loans will still reflect active balances and remain open on your credit report. Navient reports student loans individually to the consumer reporting agencies. This reporting is consistent with industry standards. If you have an account with multiple loans, youll see each loan reported with its own tradeline. Simply put, a tradeline is a descriptive summary of a particular loans history and status. XXXX  information can include the name of the company reporting the account, account open date, account status ( open, closed, past due, etc. ), balance owed, payment history and narratives. The Fair Credit Reporting Act requires lenders and servicers, such as Navient, who report information to the consumer reporting agencies to do so with accuracy. Therefore, we can not remove accurate information from your credit report. We have updated your credit report to reflect your disputed loans as follows : FCRA direct dispute investigation completed consumer disagrees with the results of the data furnishers investigation. Because you disputed the account information we reported to the consumer reporting agencies, we are required to inform them of your dispute when we continue to send them updates. When we do this, the consumer reporting agencies will place the above narrative on your credit report to reflect that your account was previously disputed Please note that the update pertains only to each open loan noted in your dispute. If you wish to have this narrative removed from your credit report, call or write to us at the Office of the Customer Advocate, po box XXXX, XXXX XXXX PA, XXXX. Please include your name, address, and account/loan number ( XXXX ), and indicate that you wish to have the dispute narrative removed from your credit report. '' It is now XX/XX/XXXX. This means the timeframe mentioned by Navient has elapsed in its entirety. As of today, the XXXX loans in question still show on all my credit reports and Navient has made no effort to update me in this process. By their own admission, the process should be completed by now. I also find it hard to believe that Navient is waiting on any other party because again, the first XXXX loans held by XXXX were IMMEDIATELY XXXX without question or incident. \n\nWhy is it that these XXXX loans have not been XXXX even though Navient said they were on XX/XX/XXXX ( a phone rep confirmed to me during a conversation on XX/XX/XXXX that \" as of yesterday '' XX/XX/XXXX the loans had been XXXX and credit reporting would be updated \" at the end of the month '' - this is exactly what the rep said in that conversation )? \n\nFurther, why was my CFPB complaint closed before reaching resolution? I feel that the CFPB did not do due diligence in this complaint because they trusted Navient 's word at face value and as we have now seen their word can not be trusted at face value because every time I speak to them their words turn out to be lies. Please direct me to how I should pursue this complaint to resolution. This has become ridiculous. Thank you for your time.","date_sent_to_company":"2022-10-03T16:25:57.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"394XX","tags":null,"has_narrative":true,"complaint_id":"6042938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2022-10-03T15:59:17.000Z","state":"MS","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["When we do this, the consumer reporting agencies will place the above <em>narrative</em> on your credit report to reflect that your <em>account</em> was previously <em>disputed</em> Please note that the update pertains only to each open loan noted in your <em>dispute</em>. If you wish to <em>have</em> this <em>narrative</em> removed from your credit report, call or write to us at the Office of the Customer Advocate, po box XXXX, XXXX XXXX PA, XXXX."]},"sort":[15.312033,"6042938"]},{"_index":"complaint-public-v1","_id":"14470652","_score":14.914195,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this CFPB complaint against TransUnion for their continued failure to maintain accurate and verifiable information on my consumer credit report. Despite multiple disputes and attempts to resolve these issues directly with the bureau, the following inaccurate, unverifiable, and damaging items remain on my TransUnion credit report in violation of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. \nWrong Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Issue : This address is being falsely reported on my credit file by TransUnion. I have never resided at this address nor have I used it for any financial or personal purposes. Its presence is causing confusion, misrepresentation, and linking my credit profile to unknown data. \nViolation of Law : Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), TransUnion is obligated to maintain maximum possible accuracy in the information it includes in credit reports. Failing to remove a clearly incorrect address after my multiple disputes violates this federal responsibility.\n\nNarrative : I am a victim of serious reporting errors that have impacted my credit reputation and exposed me to potential fraud risk. Despite prior disputes, TransUnion continues to report this false address, disregarding my identity verification documents. This ongoing negligence is putting my financial security at risk and causing me emotional distress. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$4700.00} Issue : This account reflects late payments, which are inaccurately reported. I have made all payments as agreed or was in an authorized deferment period.\n\nViolation of Law : FCRA Section 623 ( a ) ( 1 ) ( A ) requires furnishers not to report inaccurate information. Additionally, 15 U.S.C. 1681i mandates TransUnion to conduct a reasonable reinvestigation when a dispute is filed.\n\nNarrative : Despite submitting documentation showing my loans were in deferment or forbearance, TransUnion continues to list this account as late. This misinformation is harming my XXXX XXXX and limiting my financial opportunities. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3500.00} Issue : Late payment entries are incorrect as I was in a federally approved forbearance program during the periods in question. \nViolation of Law : 15 U.S.C. 1681e ( b ) requires credit bureaus to ensure accuracy. Reporting missed payments during approved forbearance directly violates this standard. \nNarrative : I repeatedly asked XXXX and TransUnion to validate and correct this, providing evidence of forbearance approval. TransUnions refusal to properly investigate violates my rights and continues to damage my credit reputation. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$1900.00} Issue : This account has late payment notations that were never verified and are inaccurate. \nViolation of Law : FCRA Sections 611 and 623 require proper investigation and correction upon dispute.\n\nNarrative : I have requested validation and provided proof, but TransUnion failed to correct the erroneous data, demonstrating non-compliance and willful negligence. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$7100.00} Issue : Reported as delinquent during a deferment period that was fully authorized. \nViolation of Law : Reporting derogatory information during a valid deferment period constitutes a violation of the CARES Act and the FCRA.\n\nNarrative : My federal loan was in deferment during the reported delinquency. I have submitted multiple disputes with documentation, yet TransUnion continues to publish false derogatory marks. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3800.00} Issue : TransUnion is inaccurately reporting late payments while my account was in active deferment. \nViolation of Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates reinvestigation and correction of disputed inaccuracies. \nNarrative : XXXX has verified my deferment, yet TransUnion refuses to update or remove the inaccurate information. This is causing me reputational and financial damage, particularly in loan application rejections. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$7100.00} Issue : False reporting of late payments, which contradicts forbearance records Ive provided. \nViolation of Law : FCRA and CARES Act protections were ignored. Reporting negative information during forbearance is deceptive and illegal. \nNarrative : Ive suffered financial harm due to this misinformation, including a denied mortgage pre-approval. My dispute has been ignored and the data remains unchanged despite my evidence. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3700.00} Issue : The account reflects inaccurate late payment reporting. I was under hardship forbearance at the time, which I documented. \nViolation of Law : The FCRAs duty to ensure maximum accuracy ( Section 607 ( b ) ) and proper reinvestigation ( Section 611 ) were not followed.\n\nNarrative : TransUnion has shown disregard for federally mandated borrower protections. Their reporting has directly caused credit score damage and emotional distress. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$160.00} Issue : Late payment entries are false, as payments were either current or in a temporary COVID-related deferment. \nViolation of Law : This is a violation of the FCRA and CARES Act protections under Section 4021.\n\nNarrative : TransUnion 's failure to align with federal guidance during the pandemic has led to false reporting and negative consequences in my credit profile. Despite providing proof, no action was taken to fix it. \nConclusion : I am submitting this CFPB complaint due to TransUnions ongoing failure to fulfill its legal obligations under the FCRA and related consumer protection laws. Despite my formal disputes, TransUnion continues to report false addresses and misrepresents multiple XXXX student loan accounts with inaccurate late payments. These errors are severely impacting my credit profile, financial access, and mental well-being. I request immediate reinvestigation and permanent deletion of the inaccurate address and all XXXX late payment entries from my credit report.","date_sent_to_company":"2025-07-04T14:25:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27615","tags":null,"has_narrative":true,"complaint_id":"14470652","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-04T14:14:00.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Narrative</em> : Ive suffered financial harm due to this misinformation, including a denied mortgage pre-approval. My <em>dispute</em> has <em>been</em> ignored and the data remains unchanged despite my evidence. \nXXXX <em>Account</em> : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3700.00} Issue : The <em>account</em> reflects inaccurate late payment reporting. I was under hardship forbearance at the time, which I documented."]},"sort":[14.914195,"14470652"]},{"_index":"complaint-public-v1","_id":"18155060","_score":14.866831,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Credit Reporting Issue : Incorrect information ; failure to investigate ; unverifiable collection reporting. Complaint Narrative\nCavalry Portfolio Services is reporting a collection account originally attributed to XXXX XXXX  with a balance of {$750.00} on my XXXX  credit file. Despite dispute, no competent evidence has been provided establishing lawful ownership, authority to collect, or a complete itemized accounting. XXXX  has failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i and has continued reporting in violation of 1681e ( b ).\n\nUnder 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be deleted. Continued reporting also violates 15 U.S.C. 1692g ( b ). \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nProduct : Credit Reporting Issue : Incorrect information on credit report ; failure to investigate ; unverifiable charge-off reporting.\n\nComplaint Narrative XXXX XXXX is reporting a charged-off credit card account with a balance of {$1400.00} that is inaccurate, incomplete, and unverifiable. Despite dispute, XXXX has failed to provide competent documentary evidence of a legally enforceable obligation or a complete itemized accounting validating the balance. The account continues to be updated after charge-off, materially misrepresenting its status. \nXXXX  and XXXX have failed to conduct reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and have continued reporting in violation of 15 U.S.C. 1681e ( b ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be deleted.","date_sent_to_company":"2025-12-18T21:22:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"00926","tags":null,"has_narrative":true,"complaint_id":"18155060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAVALRY INVESTMENTS, LLC","date_received":"2025-12-18T21:09:22.000Z","state":"PR","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em>\nCavalry Portfolio Services is reporting a collection <em>account</em> originally attributed to XXXX XXXX  with a balance of {$750.00} on my XXXX  credit file. Despite <em>dispute</em>, no competent evidence has <em>been</em> provided establishing lawful ownership, authority to collect, or a complete itemized <em>accounting</em>. XXXX  has failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i and has continued reporting in violation of 1681e ( b )."]},"sort":[14.866831,"18155060"]},{"_index":"complaint-public-v1","_id":"18523332","_score":14.829957,"_source":{"product":"Credit card","complaint_what_happened":"Issue : Systemic Failure to Conduct Individualized Investigations, Misrepresentation of Complaints, and Obstruction of a Valid Chargeback ( CareCredit acct # XXXX ). \n\nPurpose of This Escalation : This submission is a procedural and regulatory escalation, not a duplicate complaint. \n\nIt is prompted by the respondents repeated failure to engage in good faith with multiple, distinct CFPB complaints filed on different dates, each addressing separate violations, which the respondent improperly collapsed into a single recycled response packet from Synchrony Bank. \n\nThis pattern mirrors how the respondent mishandled the underlying billing dispute and chargeback itself : by evading evidence, ignoring timelines, and substituting conclusory denials for investigation.\n\nII. Multiple Distinct Complaints Were Filed Not Duplicates I filed separate CFPB complaints as new violations occurred. Each complaint had a different factual basis, different date of harm, and different regulatory concern. These include, but are not limited to : XX/XX/XXXX Failure to properly investigate and engage with evidence related to denied hospital services and billing integrity. \n\nXX/XX/XXXX Discovery that my account had been closed during an active dispute, without advance notice, and without any legitimate basis communicated to me. \n\nXX/XX/XXXX Complaint regarding the concealment of a critical hospital response letter that had been relied upon to deny my dispute but was never disclosed to me during the dispute process available to them since XXXX of 2024. \n\nXX/XX/XXXX Complaint regarding post-closure misconduct, including tradeline disappearance, contradictory explanations, and retroactive narrative changes. \n\nEach complaint arose from new conduct. None were restatements of earlier grievances. \n\nXXXX. Respondents Improper One-Packet Response Strategy Despite the distinct nature of these complaints, the respondent answered all of them with : The same response letter ( XXXX ) The same attachments The same generalized denials No acknowledgment of new facts, dates, or allegations This response strategy demonstrates : No individualized review No complaint-specific investigation No engagement with evidence submitted No attempt to address the actual regulatory violations raised This is not a clerical oversight. It is a systemic practice that renders the CFPB complaint process meaningless in this case. \n\nIV. This Procedural Failure Mirrors the Mishandling of the Underlying Dispute The respondents CFPB conduct is consistent with how it handled the original chargeback : Evidence was ignored or requested repeatedly despite already being on file Timelines were compressed unrealistically ( e.g., a reinvestigation reopened on XX/XX/XXXX and closed again by XX/XX/XXXX, without substantive engagement ) Decisions were made without addressing the consumers submissions Conclusions were asserted without explanation A legitimate investigation, whether of a billing dispute or a CFPB complaint, requires actual engagement with the records. That did not occur at any stage. \n\nV. Concealment of Critical Evidence Undermined the Dispute From the Start A hospital response letter, relied upon to deny my dispute, was concealed from me for months and only disclosed after regulatory pressure and FOIA obligations forced its release nearly a year later. \n\nBecause this letter was withheld : I was denied the opportunity to rebut false hospital assertions in real time I could not submit counter-evidence during the active dispute The denial was procedurally tainted from inception The respondent can not claim a fair or complete investigation when it relied on evidence that was never shared with the consumer. \n\nVI. Retaliatory Account Closure During an Active Dispute On XX/XX/XXXX, I discovered ; not through notice, but through being locked out of online access, that my account had been closed during an ongoing dispute. \n\nI was given contradictory explanations, including : That the account was closed because I requested a dispute ( which had been ongoing since the prior year ) That the account was closed due to being over the limit, despite the over-limit status being caused by fees and charges added during active investigations No advance notice was provided. No written justification was sent contemporaneously. \n\nXXXX. Fabricated Fraud / New Account Narrative Explicitly Disclaimed I did not : File a fraud complaint at any time Request a fraud investigation Request a new account Consent to a new account number Receive a new card Receive mailed notice of any new account Any account allegedly created after the closure of my original account was created without my consent and without my initiation. \n\nI explicitly reject and disclaim : Any assertion that I initiated a fraud claim Any request that I submit sworn affidavits or contact identity theft services for a claim I never made This appears to be an attempt to : Erase the history of the original dispute Sever continuity with the account I actually held and its link to regulatory complaints. \n\nUndermine the credibility of my longstanding billing complaint VIII. The Underlying Chargeback Was Always Valid The original dispute concerned service failures and billing integrity, not fraud. \n\nDenied or improperly rendered services were billed, disputed promptly, and supported with documentation. This should have been a straightforward chargeback. \n\nInstead, the respondent : Avoided addressing the merits Relied on concealed third-party assertions Escalated fees during investigations Closed the account mid-dispute Introduced a false fraud narrative only after regulatory complaints were filed This sequence demonstrates evasion, not investigation.","date_sent_to_company":"2026-01-07T06:01:44.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"18523332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-01-07T05:27:56.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Retaliatory <em>Account</em> Closure During an Active <em>Dispute</em> On XX/XX/XXXX, I discovered ; not through notice, but through being locked out of online access, that my <em>account</em> had <em>been</em> closed during an ongoing <em>dispute</em>."]},"sort":[14.829957,"18523332"]},{"_index":"complaint-public-v1","_id":"18318768","_score":14.788275,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Credit reporting Issue : Charged-off account inaccurately reported Company : Upgrade , Inc .\n\nComplaint Narrative I am disputing the continued reporting of this charged-off account as an outstanding balance owed. I never received a Form 1099-C for this account.\n\nIf this debt was canceled, forgiven, or written off for tax purposes, a 1099-C must have been issued and provided to me. Please supply a copy and the date of cancellation.\n\nIf no 1099-C exists, provide documentation showing that no tax benefit was taken and proof that the debt remains legally enforceable.\n\nContinued reporting without this verification constitutes inaccurate reporting under FCRA 623 and 1681e ( b ).\n\nIf Upgrade can not substantiate the accuracy and tax treatment of this account, deletion is required. Failure to comply will support escalation, including a Notice of Intent to Sue.","date_sent_to_company":"2025-12-27T16:39:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77082","tags":null,"has_narrative":true,"complaint_id":"18318768","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2025-12-27T16:37:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Product : Credit reporting Issue : Charged-off <em>account</em> inaccurately reported Company : Upgrade , Inc .\n\n<em>Complaint</em> <em>Narrative</em> I am <em>disputing</em> the continued reporting of this charged-off <em>account</em> as an outstanding balance owed. I never received a Form 1099-C for this <em>account</em>.\n\nIf this debt was canceled, forgiven, or written off for tax purposes, a 1099-C must <em>have</em> <em>been</em> issued and provided to me. Please supply a copy and the date of cancellation."]},"sort":[14.788275,"18318768"]},{"_index":"complaint-public-v1","_id":"15913588","_score":14.778834,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Equifax Information Services, LLC Complaint Narrative : I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my Equifax credit file. Initially, the account was reported under the wrong name, XXXX XXXX. After my dispute, Equifax only corrected the name to XXXX XXXX XXXX, but the account is still reported with the address and phone number of XXXX XXXX, not XXXX XXXX XXXX \n\nThis demonstrates that Equifax did not conduct a reasonable investigation as required by law. A proper reinvestigation would have required Equifax to obtain and provide documentation verifying the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB complaints, but no meaningful reinvestigation has been conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing.","date_sent_to_company":"2025-09-13T05:30:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21702","tags":null,"has_narrative":true,"complaint_id":"15913588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-13T05:09:44.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Company : Equifax Information Services, LLC <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>complaint</em> against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe <em>account</em> in question involves XXXX XXXX XXXX, which has <em>been</em> inaccurately reported on my Equifax credit file."]},"sort":[14.778834,"15913588"]},{"_index":"complaint-public-v1","_id":"15913409","_score":14.778834,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Equifax Information Services, LLC Complaint Narrative : I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my Equifax credit file. Initially, the account was reported under the wrong name, XXXX XXXX. After my dispute, Equifax only corrected the name to XXXX XXXX XXXX, but the account is still reported with the address and phone number of XXXX XXXX, not XXXX XXXX XXXX \n\nThis demonstrates that Equifax did not conduct a reasonable investigation as required by law. A proper reinvestigation would have required Equifax to obtain and provide documentation verifying the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB complaints, but no meaningful reinvestigation has been conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing.","date_sent_to_company":"2025-09-13T05:30:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21702","tags":null,"has_narrative":true,"complaint_id":"15913409","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-13T05:29:06.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Company : Equifax Information Services, LLC <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>complaint</em> against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe <em>account</em> in question involves XXXX XXXX XXXX, which has <em>been</em> inaccurately reported on my Equifax credit file."]},"sort":[14.778834,"15913409"]},{"_index":"complaint-public-v1","_id":"15913408","_score":14.762533,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Equifax Information Services, LLC Complaint Narrative : I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my Equifax credit file. Initially, the account was reported under the wrong name, XXXX XXXX. After my dispute, Equifax only corrected the name to XXXX XXXX XXXX, but the account is still reported with the address and phone number of XXXX XXXX, not XXXX XXXX XXXX \n\nThis demonstrates that Equifax did not conduct a reasonable investigation as required by law. A proper reinvestigation would have required Equifax to obtain and provide documentation verifying the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB complaints, but no meaningful reinvestigation has been conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing.","date_sent_to_company":"2025-09-13T05:30:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21702","tags":null,"has_narrative":true,"complaint_id":"15913408","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-13T05:29:06.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Company : Equifax Information Services, LLC <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>complaint</em> against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe <em>account</em> in question involves XXXX XXXX XXXX, which has <em>been</em> inaccurately reported on my Equifax credit file."]},"sort":[14.762533,"15913408"]},{"_index":"complaint-public-v1","_id":"13702333","_score":14.66807,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/year>XXXX  CFPB Complaint Narrative Credit Reporting I am submitting this complaint because my credit report contains multiple inaccurate accounts that continue to reflect missed payments and derogatory marks. These items have severely damaged my credit score. \n\nHere are the accounts I am disputing : - XXXXXXXX XXXX XXXXXXXX XXXX missed payments reported - XXXX  XXXX missed payments reported - XXXX XXXX  Closed account with XXXX missed payments - XXXX Place Closed account with 5 missed payments - XXXX XXXX  Closed account with XXXX missed payments - XXXX XXXX XXXX marked as repossession, with payment details I dispute I have already submitted disputes to the credit bureaus and/or creditors, but no proper corrections have been made. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. These accounts are either incorrect or unverifiable, and I request that they be investigated and updated or removed. \n\nI am asking the CFPB to assist in holding these companies accountable for reporting fair and accurate information.","date_sent_to_company":"2025-05-24T16:47:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45324","tags":null,"has_narrative":true,"complaint_id":"13702333","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-24T16:30:31.000Z","state":"OH","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":["Here are the <em>accounts</em> I am <em>disputing</em> : - XXXXXXXX XXXX XXXXXXXX XXXX missed payments reported - XXXX  XXXX missed payments reported - XXXX XXXX  Closed <em>account</em> with XXXX missed payments - XXXX Place Closed <em>account</em> with 5 missed payments - XXXX XXXX  Closed <em>account</em> with XXXX missed payments - XXXX XXXX XXXX marked as repossession, with payment details I <em>dispute</em> I <em>have</em> already submitted <em>disputes</em> to the credit bureaus and/or creditors, but no proper corrections <em>have</em> <em>been</em> made."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[14.66807,"13702333"]},{"_index":"complaint-public-v1","_id":"20532667","_score":14.245453,"_source":{"product":"Credit card","complaint_what_happened":"Your Information : Name : XXXX XXXX, MD Address : XXXX Quiet XXXX XXXX, XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Company Name : Barclays Bank Delaware Product : Credit card Issue : Missing payment / billing error Subject/Title : Payment of {$550.00} debited from my bank never credited to my Barclays XXXX XXXX XXXX and accruing fees Complaint Narrative : On XX/XX/year>, I initiated a payment of {$550.00} from my XXXX XXXX XXXX account ending in XXXX to my Barclays XXXX account XXXX in XXXX. The {$550.00} was debited from my XXXX XXXX account on that date, but it has never been credited to my Barclays XXXX account. \n\nI have contacted Barclays directly and opened a formal dispute. As of the date of this complaint, Barclays has been unable to locate the funds or confirm receipt of the payment. Despite this unresolved missing payment, my Barclays account continues to accrue interest and potential late fees on a balance that should have been reduced by {$550.00} as of XX/XX/year>. \n\nI have also opened a dispute with XXXX XXXX, which appears to have misdirected the payment as a \" XXXX XXXX '' transaction rather than a direct credit card payment as I intended. Neither institution has resolved the matter or issued any provisional relief. \n\nI have sent a formal written dispute letter to Barclays XXXX XXXX, XXXX. XXXX XXXX, XXXX, DE XXXX via certified mail.","date_sent_to_company":"2026-03-24T07:49:24.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"94598","tags":null,"has_narrative":true,"complaint_id":"20532667","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2026-03-24T07:35:15.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["The {$550.00} was debited from my XXXX XXXX <em>account</em> on that date, but it has never <em>been</em> credited to my Barclays XXXX <em>account</em>. \n\nI <em>have</em> contacted Barclays directly and opened a formal <em>dispute</em>. As of the date of this <em>complaint</em>, Barclays has <em>been</em> unable to locate the funds or confirm receipt of the payment. Despite this unresolved missing payment, my Barclays <em>account</em> continues to accrue interest and potential late fees on a balance that should <em>have</em> <em>been</em> reduced by {$550.00} as of XX/XX/year>."]},"sort":[14.245453,"20532667"]},{"_index":"complaint-public-v1","_id":"18910531","_score":14.027469,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB COMPLAINT BANK OF AMERICA ( XXXX XXXX XXXX  ) Complaint narrative ( copy/paste for CFPB portal ) I am filing a comprehensive complaint against Bank of America for systemic consumer-finance misconduct involving : ( 1 ) deceptive inducement and improper credit inquiry ; ( 2 ) Regulation E error-resolution violations relating to an unauthorized transaction dispute, not providing provisional credit in timely manner ; ( 3 ) ongoing account fee charging and harmful account treatment while a dispute remained active ; ( 4 ) obstruction, contradictory communications, and refusal to disclose internal investigation records ; and ( 5 ) downstream financial, credit, and business harm caused by Bank of Americas failure to follow required dispute-handling procedures. \n\nA. Deceptive small-business offer and improper credit handling ( XX/XX/XXXXXXXX  ). \nIn or about XX/XX/XXXX, Bank of Americas Small Business Team sent me a promotional XXXX partnership offer advertising incentives/bonuses and a statement credit for opening a business account and applying for a small business credit product. I applied in good faith. Bank of America immediately denied the application but performed a hard credit inquiry despite apparent foreknowledge or likelihood of denial. The bank did not provide a proper adverse-action notice. This conduct constitutes deceptive inducement, unfair credit handling, and consumer harm. \n\nB. Regulation E dispute mishandling unauthorized transaction claim ( XX/XX/XXXXXXXX  onward ). \nOn or about XX/XX/XXXX, I filed a dispute for an unauthorized electronic fund transfer under Regulation E. Bank of America opened the claim but repeatedly failed to provide meaningful documentation, case updates, or consistent investigation information. I submitted supporting evidence on or about XX/XX/XXXX. Bank personnel gave contradictory statements about whether evidence was received or reviewed, including blaming me for supposed submission/fax issues, while a Regulation E specialist confirmed the evidence was reviewed. Bank personnel also provided contradictory denial rationales and shifting narratives regarding investigation steps. \n\nC. Escalation obstruction and contradictory internal representations ( XXXX XXXX ). \nMultiple Bank of America representatives caused procedural confusion and obstructed resolution. I was transferred incorrectly when requesting a Regulation E specialist, then later told by other personnel that earlier transfers were wrong and had to be corrected. A dispute team representative confirmed on or about XX/XX/XXXXXXXX  that the claim would be resubmitted/reconsidered, yet it was not processed. A fraud department agent later stated my evidence/notes were reviewed only after the claim and blamed me for procedural deficiencies, while a Regulation E specialist confirmed review occurred. A supervisor-level agent ( XXXX ) misrepresented provisional credit procedures and then terminated the call while I was clarifying claim details. These events show a pattern of unreliable process narratives, misrepresentation, and interference with dispute rights. \n\nD. Unlawful fee charging / account harm while dispute active and liability unresolved ( ongoing ).\n\nWhile the dispute remained active and liability had not been determined, Bank of America continued charging my account and treating the account as collectible and fee-generating. I have been charged while the bank simultaneously failed to properly conclude the error-resolution process. If the account was closed, I was not provided proper notice. If it remains open, the banks continued charging and collection-style communications during an active dispute constitutes abusive interference with consumer rights and further financial harm. \n\nE. Refusal to disclose internal logs, case notes, and accountability records.\n\nWhen I requested internal logs, investigation notes, or any disciplinary/accountability information relating to mishandling, Bank of America refused or deflected. This appears to be deliberate record suppression and obstruction, preventing verification of what the bank actually did versus what it claims it did. \n\nF. Harm and systemic impact.\n\nBank of Americas conduct caused continued financial harm ( fees, negative balance effects, restricted access to funds ), interference with dispute rights, emotional distress, time loss, and severe disruption to business operations. The banks mishandling contributed to a cascading chain of consumer harm including credit impacts, inability to transact normally, and additional downstream processor/credit/banking issues. This conduct reflects a pattern of unfair, deceptive, and abusive acts and practices. \n\nThis complaint concerns violations and misconduct implicating Regulation E ( 12 C.F.R. 1005.11 ), the Consumer Financial Protection Act / UDAAP standards ( 12 U.S.C. 5536 ), the FTC Acts deception standards, and credit-handling duties including FCRA-related issues regarding inquiry/data use. I request CFPB supervisory review and enforcement-level scrutiny due to repeated contradictory representations and ongoing harm. \nBank of Americas actions show an intentional pattern : contradictory narratives, fabricated procedural blame, refusal to disclose records, and continued fee-charging while a legally protected dispute remained active. This is not a good-faith error-resolution process it is systematic interference with consumer rights and a UDAAP-level compliance failure.","date_sent_to_company":"2026-01-22T01:50:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"02895","tags":null,"has_narrative":true,"complaint_id":"18910531","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-01-22T01:37:13.000Z","state":"RI","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":["These events show a pattern of unreliable process <em>narratives</em>, misrepresentation, and interference with <em>dispute</em> rights. \n\nD. Unlawful fee charging / <em>account</em> harm while <em>dispute</em> active and liability unresolved ( ongoing ).\n\nWhile the <em>dispute</em> remained active and liability had not <em>been</em> determined, Bank of America continued charging my <em>account</em> and treating the <em>account</em> as collectible and fee-generating."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.027469,"18910531"]},{"_index":"complaint-public-v1","_id":"10795594","_score":13.930416,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative : I am submitting this complaint due to persistent failures by XXXX, XXXX, and TransUnion to address inaccuracies related to identity theft on my credit report. Despite filing an FTC Identity Theft Affidavit and a police report ( XXXX XXXX. XXXX ), the bureaus continue to report fraudulent accounts associated with unauthorized name and address variations that are not legally representative of me. \n\nI requested a detailed method of verification for each disputed item, as required under FCRA XXXX XXXX. XXXX, but was only provided with vague responses, indicating verification through unspecified third parties. I have reason to believe these third parties are not properly validating the information, as several third-party data vendors have already been frozen and opted out. \n\nThe accounts in question have either been verified inaccurately or lack any substantiation. The continued reporting of these items, given my submitted identity theft documentation, violates the FCRAs mandates on accuracy and verification. I request immediate action for : XXXX. Removal of all accounts associated with unauthorized name variations or mismatched personal identifiers. \nXXXX. A full disclosure of the vendors and third-party entities used in the verification process. \nXXXX. Legal assurances that these inaccurate items will not reappear on my credit file. \n\nI trust the FTC and CFPB will thoroughly investigate this matter to hold XXXX and related bureaus accountable for compliance with federal regulations.","date_sent_to_company":"2024-11-14T21:01:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"10795594","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-14T21:01:32.000Z","state":"IL","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":["I requested a detailed method of verification for each <em>disputed</em> item, as required under FCRA XXXX XXXX. XXXX, but was only provided with vague responses, indicating verification through unspecified third parties. I <em>have</em> reason to believe these third parties are not properly validating the information, as several third-party data vendors <em>have</em> already <em>been</em> frozen and opted out. \n\nThe <em>accounts</em> in question <em>have</em> either <em>been</em> verified inaccurately or lack any substantiation."]},"sort":[13.930416,"10795594"]},{"_index":"complaint-public-v1","_id":"14409045","_score":13.900525,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax for their continued failure to accurately report and investigate multiple incorrect and damaging entries on my credit report. Despite numerous disputes and formal requests in accordance with the Fair Credit Reporting Act ( FCRA ), Equifax has failed to correct or remove inaccurate, incomplete, and unverifiable information. The following accounts are being reported with serious inaccuracies, resulting in significant harm to my creditworthiness, emotional distress, and financial standing. \nXXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} Late Payment * * Issue : This account is reporting multiple late payments which I have disputed due to errors in payment application and misreporting of timely payments. Equifax failed to provide validation or proper reinvestigation.\n\nLaw Violated : FCRA 611 ( 15 U.S. Code 1681i ) Failure to conduct reasonable reinvestigation. FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. \nNarrative : I made multiple on-time payments that were not reflected accurately in the reporting of this account. I requested a full investigation, but Equifax merely \" verified '' the data without evidence or a thorough review. I believe this is a negligent and harmful act that violates my rights under FCRA. \nXXXX  XXXX  Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$1400.00} Charge Off * * Issue : This account is listed as a charge-off with an outstanding balance that I have disputed. No documentation has been provided by Equifax to substantiate this derogatory entry.\n\nLaw Violated : FCRA 611 and 607 ( b ) Failure to validate and failure to ensure accurate reporting. \nNarrative : The account was paid off through a negotiated settlement, yet Equifax continues to report it as charged-off with a balance owed, which is both inaccurate and misleading. This has severely damaged my credit score and denied me fair access to credit. \nXXXX XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * Issue : This account reflects a charge-off with a {$0.00} balance, yet still negatively impacts my report. Reporting a zero-balance charge-off is misleading if the account has been resolved. \nLaw Violated : FCRA 605 ( b ) Unfair retention of negative resolved accounts. FCRA 607 ( b ) Failure to assure maximum accuracy. \nNarrative : This account was closed and resolved over XXXX years ago, but the continued derogatory status of \" charge off '' is misleading and unfairly penalizing my credit profile. XXXX refusal to update or remove the status misrepresents my current financial obligations. \nXXXX XXXX Acct : XXXX XXXX XXXX   Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX Issue : This account is reporting a late payment despite being paid off and closed. I have submitted proof that the account was never late.\n\nLaw Violated : FCRA 611 Failure to investigate disputed information. FCRA 623 ( b ) Furnishers duty to correct and update information.\n\nNarrative : I never missed a payment on this account. The \" late payment '' being reported is completely inaccurate. I requested correction and submitted documentation, but Equifax failed to correct the error or provide proof of delinquency. This false late mark has lowered my score unjustly and impacted financial opportunities. \nConclusion & Demand for Relief : These reporting errors show a consistent pattern of Equifaxs failure to comply with the Fair Credit Reporting Act, particularly its duty to ensure maximum accuracy, timely correction of disputed data, and thorough reinvestigation of challenged items. I am requesting that the CFPB compel Equifax to : Remove or correct all inaccurate, unverifiable, and outdated information Provide documentation verifying each disputed account Ensure compliance with FCRA for all future disputes and investigations Provide a written confirmation of resolution and updated report These reporting errors are causing me significant harm, and I respectfully ask for swift enforcement action to ensure my rights are protected under federal law.","date_sent_to_company":"2025-07-01T09:47:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"14409045","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-01T09:39:49.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> submitted proof that the <em>account</em> was never late.\n\nLaw Violated : FCRA 611 Failure to investigate <em>disputed</em> information. FCRA 623 ( b ) Furnishers duty to correct and update information.\n\n<em>Narrative</em> : I never missed a payment on this <em>account</em>. The \" late payment '' being reported is completely inaccurate. I requested correction and submitted documentation, but Equifax failed to correct the error or provide proof of delinquency."]},"sort":[13.900525,"14409045"]},{"_index":"complaint-public-v1","_id":"21486413","_score":13.817296,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Product : Auto loan or lease Issue : Problem with add-on products ( GAP insurance ) Company : * Toyota Financial Services * Lexus Financial Services Complaint Narrative IMPORTANT PRIOR COMPLAINT IMPROPERLY CLOSED This complaint is being resubmitted due to improper handling of my prior complaint by Toyota Financial Services . The company issued a final response while simultaneously stating that it could not identify my account and requesting additional information. I promptly provided the requested identifying details ; however, no substantive investigation or resolution occurred. \n\nThis is not a duplicate complaint. The underlying issue remains unresolved. \n\nIDENTIFYING INFORMATION * Name on Account : XXXX XXXX XXXX * Vehicle : XXXX XXXX XXXX XXXX * VIN : XXXX SUBSTANCE OF COMPLAINT I financed my vehicle through Lexus Financial Services and purchased GAP coverage administered by Toyota Financial Services. \n\nIn XX/XX/XXXX, my vehicle was declared a total loss. My primary insurer paid the claim ; however, a deficiency balance remained that should have been covered by GAP. \n\nToyota Financial Services denied the claim, asserting that GAP coverage had been canceled due to missed payments. \n\nI dispute this for the following reasons : * I never received any notice of cancellation prior to the loss * I never received any refund of GAP premiums * No documentation has been provided supporting a valid cancellation * The alleged cancellation appears to have been processed internally without proper procedure HARM SUFFERED As a result of this improper denial, I am being held responsible for a loan balance that should have been covered, causing significant financial harm.","date_sent_to_company":"2026-04-22T16:15:36.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"33033","tags":null,"has_narrative":true,"complaint_id":"21486413","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2026-04-22T15:49:09.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["Product : Auto loan or lease Issue : Problem with add-on products ( GAP insurance ) Company : * Toyota Financial Services * Lexus Financial Services <em>Complaint</em> <em>Narrative</em> IMPORTANT PRIOR <em>COMPLAINT</em> IMPROPERLY CLOSED This <em>complaint</em> is being resubmitted due to improper handling of my prior <em>complaint</em> by Toyota Financial Services . The company issued a final response while simultaneously stating that it could not identify my <em>account</em> and requesting additional information."]},"sort":[13.817296,"21486413"]},{"_index":"complaint-public-v1","_id":"19017058","_score":13.772129,"_source":{"product":"Mortgage","complaint_what_happened":"Narrative Description BSI Financial XXXX ( Late Payments Only ) I disputed the late payments reported by BSI Financial XXXX  for XX/XX/year>, XX/XX/year>, and XX/XX/year> after identifying inaccuracies in the payment history being reported to the credit bureaus. In response, the credit reporting agencies stated that BSI Financial XXXX  verified the late payments and also acknowledged that certain account fields were updated. \n\nThe acknowledgment that account fields were modified indicates that the original reporting was inaccurate or incomplete. Despite this, the late payments for the disputed months continue to be reported without BSI Financial XXXX  providing billing statements, payment posting records, or documentation showing how delinquency was calculated for those months. \n\nI requested documentation to support the reporting of these late payments, including due dates, payment receipt dates, and records relied upon during bureau investigations. As of this complaint, BSI Financial XXXX  has not provided the requested documentation, yet the late payments remain on my credit reports. \n\nI am disputing the continued reporting of these late payments because they have not been properly substantiated and remain unsupported by clear documentary evidence.","date_sent_to_company":"2026-01-26T21:20:58.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"30344","tags":null,"has_narrative":true,"complaint_id":"19017058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BSI Financial Holdings, Inc.","date_received":"2026-01-26T20:48:34.000Z","state":"GA","company_public_response":null,"sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["As of this <em>complaint</em>, BSI Financial XXXX  has not provided the requested documentation, yet the late payments remain on my credit reports. \n\nI am <em>disputing</em> the continued reporting of these late payments because they <em>have</em> not <em>been</em> properly substantiated and remain unsupported by clear documentary evidence."]},"sort":[13.772129,"19017058"]},{"_index":"complaint-public-v1","_id":"19236888","_score":13.751892,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint Narrative Denial of Access to Provisional Credit During Card Reissuance Company : Foris , Inc. ( Program Manager for Crypto.com Prepaid XXXX  Card ) Product : Prepaid Card Complaint Narrative I am filing this complaint against Foris , Inc. regarding improper restriction of access to provisionally credited funds during a card reissuance following an unauthorized transaction dispute. \n\nAfter significant delay, Foris , Inc. finally opened my dispute and issued a provisional credit for unauthorized transactions on my Crypto.com Prepaid XXXX  Card. The funds are currently reflected in my card balance.\n\nHowever, Foris , Inc. has now closed my existing card and initiated a reissuance, and during this process they are preventing me from accessing or using my provisionally credited funds in any way. I have been informed that : The funds can not be transferred to my USD account The funds can not be accessed digitally The funds can not be used until a new physical card is issued There is no specific timeframe for issuance I must wait potentially weeks to access funds that were already credited to me I requested a temporary or virtual card so I could access my funds during reissuance. This request was denied without legal justification.\n\nRegulatory Violations XXXX. Regulation E 12 CFR 1005.11 ( c ) & ( d ) Once a financial institution issues provisional credit, it must ensure the consumer has full use of those funds pending the outcome of the investigation. Restricting access to provisionally credited funds defeats the purpose of provisional credit and constitutes a failure of meaningful access.\n\nXXXX. Regulation E 12 CFR 1005.6 & 1005.11 Financial institutions may not impose unreasonable restrictions or delays that effectively deprive the consumer of access to funds they are legally entitled to use, especially after error resolution procedures have been triggered. \n\nXXXX. Unfair Acts or Practices ( CFPA 12 U.S.C. 5531 ) Issuing provisional credit and then immediately placing the funds in an inaccessible state during a card reissuancewithout offering a reasonable alternative such as a virtual card, temporary access, or transferconstitutes an unfair practice that causes substantial consumer harm. \n\n\n\nAdditional Concerns The delay in access is particularly harmful because the funds represent reimbursement for unauthorized theft I have already waited several weeks for the dispute to be properly opened Foris , Inc. is charging a {$7.00} card reissuance fee while simultaneously preventing access to my own funds No disclosure in the Cardholder Agreement states that provisional credit may be rendered unusable during card replacement","date_sent_to_company":"2026-02-04T12:08:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32901","tags":null,"has_narrative":true,"complaint_id":"19236888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Foris DAX, Inc.","date_received":"2026-02-04T11:58:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> Denial of Access to Provisional Credit During Card Reissuance Company : Foris , Inc. ( Program Manager for Crypto.com Prepaid XXXX  Card ) Product : Prepaid Card <em>Complaint</em> <em>Narrative</em> I am filing this <em>complaint</em> against Foris , Inc. regarding improper restriction of access to provisionally credited funds during a card reissuance following an unauthorized transaction <em>dispute</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.751892,"19236888"]},{"_index":"complaint-public-v1","_id":"5016216","_score":13.742289,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian 's own policy is for it as a CRA to conduct an invetsigation by evaluating the documents submitted with a consumer dispute and evaluate the validity of the information supplied by a data furnisher against the documentation supplied with the dispute. In CFPB complaint XXXX, I supplied experian with documents I submitted that were on XXXX  letterhead Those documents, to include the narratives provided by XXXX  in response to prior BFPB complaints clearly contradicts the data XXXX  is supplying to Experian regarding my accounts through the eOSCAR system. Experian 's response clearly states the extent to which they actually conducted an investigation was to \" contact the data furnisher, '' and have the data furnisher \" verify '' the accuracy of the records to Experian. Any cursory inspection of the documents I provided to Experian would clearly indicate WF 1 ) violated the MPN with respect to billing, 2 ) violated CFPBs interpretation of Regulation Z, and the FCRA. Now, Experian was made aware that XXXX XXXX has a track record of engaging in this behavior because I also provided with Experian documents surrounding 2016-CFPB-013, which clearly indicated XXXX was engaging in illegal billing practices AND REFUSING TO UPDATE ERRONEOUS information it supplied to the CRAs. Despite this, Experian 's own response to the CFPB regarding the investigation shows a willingness to \" TRUST '' the data returned by the data furnisher via the eOSCAR system, in this case XXXX. The point is after around fifty ( 50 ) complaints that provided increasingly damning evidence of XXXX XXXX 's repeated billing irregularities, haphazard compliance with Regulation Z, FCRA, and 12 CFR 1026, it is clear that Experian knows, OR SHOULD BY NOW KNOW, the information supplied by XXXX for my student loan accounts is inaccurate based upon a cursory review of the documentation. Experian is now just as culpable as XXXX in damaging my credit worthiness because it is continuing to aggregate patently erroneous data, invalid and/or unverifiable information, and data supplied as a result of its non-compliance with the behaviors covered in 2016-CFPB-013. Experian is a custodian of records for my consumer behavior, repayment habits, and financing history. Experian 's continued inclusion of data supplied from a furnisher, that is contardicted by narratives from the data furnisher itself that has been supplied as a part of a consumer complaint, reflects flagrant disregard for consumer protection laws. That is, claiming to conudct an impartial \" investigation, '' by simply transmitting documentation to a data furnisher, is a substitute for, and denial of, rights of Due Process afforded under 12 CFR 1026 and the FCRA.","date_sent_to_company":"2021-12-16T19:49:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48103","tags":null,"has_narrative":true,"complaint_id":"5016216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-12-16T19:03:02.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In CFPB <em>complaint</em> XXXX, I supplied experian with documents I submitted that were on XXXX  letterhead Those documents, to include the <em>narratives</em> provided by XXXX  in response to prior BFPB <em>complaints</em> clearly contradicts the data XXXX  is supplying to Experian regarding my <em>accounts</em> through the eOSCAR system."]},"sort":[13.742289,"5016216"]},{"_index":"complaint-public-v1","_id":"16960909","_score":13.690089,"_source":{"product":"Credit card","complaint_what_happened":"Narrative of Complaint : On Monday, XX/XX/XXXX at XXXX Central Time, I received a call regarding my XXXX XXXX XXXX account. The caller identified himself only as a Chase Bank Representative and refused to provide any further identification, including name or department. When I expressed concern by saying, I dont know who you are from XXXX XXXX a common idiom referencing XXXX and XXXX representative accused me of being XXXX. This accusation was unfounded and inappropriate. \nThe call lasted XXXX minutes and XXXX seconds, during which I repeatedly asked for clarification on the purpose of the call and the identity of the caller. The representative eventually stated the call was related to a disputed transaction, but continued to demand personal information without verifying his own identity. I declined to provide further details under those conditions. \nFollowing this interaction, my account was terminated without resolution of the disputed charges. I was not given a formal explanation, nor was I provided with any documentation regarding the account closure or the status of the dispute. As of today, the account remains closed, and the dispute remains unresolved. \nI am requesting : - A full investigation into the conduct of the representative - Restoration of my account or a formal explanation of its termination - Resolution of the disputed transaction- Assurance that my consumer rights have not been violated","date_sent_to_company":"2025-11-19T15:38:01.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"75056","tags":null,"has_narrative":true,"complaint_id":"16960909","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-31T20:03:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["As of today, the <em>account</em> remains closed, and the <em>dispute</em> remains unresolved. \nI am requesting : - A full investigation into the conduct of the representative - Restoration of my <em>account</em> or a formal explanation of its termination - Resolution of the <em>disputed</em> transaction- Assurance that my consumer rights <em>have</em> not <em>been</em> violated"]},"sort":[13.690089,"16960909"]},{"_index":"complaint-public-v1","_id":"16177557","_score":13.608589,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Credit reporting / Incorrect information on credit report Complaint Narrative I am filing this complaint against XXXX for failing to properly verify and validate an account they are reporting under my name. \n\nI have disputed this account with XXXX XXXX times. Despite my repeated requests, they have not provided legitimate documentation to prove that this debt is valid and accurately reported. Instead, XXXX continues to respond with vague or automated verified statements without providing the original documentation required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. \n\nSpecifically, XXXX has failed to provide : 1. A copy of the original signed promissory note.\n\n2. A full account/payment history with all transactions, interest, and fees.\n\n3. The method of verification used to confirm this account.\n\n4. A resolution of inconsistencies across credit bureaus. \n\nBecause XXXX continues to report unverifiable information, this account is damaging my credit profile and causing ongoing harm. This is a direct violation of the FCRA, which requires accurate reporting and obligates furnishers to properly investigate disputes. \nDesired Resolution : Immediate removal of this unverifiable account from all three credit reporting agencies ( Equifax, XXXX, and XXXX  ). \nWritten confirmation from XXXX that the account has been deleted. \nAssurance that no further inaccurate information will be reported in the future. \n\nI respectfully request the CFPBs assistance in compelling XXXX to comply with federal law and correct this matter.","date_sent_to_company":"2025-09-25T18:27:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"082XX","tags":null,"has_narrative":true,"complaint_id":"16177557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-25T18:27:01.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Credit reporting / Incorrect information on credit report <em>Complaint</em> <em>Narrative</em> I am filing this <em>complaint</em> against XXXX for failing to properly verify and validate an <em>account</em> they are reporting under my name. \n\nI <em>have</em> <em>disputed</em> this <em>account</em> with XXXX XXXX times. Despite my repeated requests, they <em>have</em> not provided legitimate documentation to prove that this debt is valid and accurately reported."]},"sort":[13.608589,"16177557"]},{"_index":"complaint-public-v1","_id":"18299227","_score":13.579956,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"CFPB Complaint Narrative I have been experiencing issues with my PayPal account for several weeks. During this time, I contacted PayPal multiple times to request a replacement debit card, but my requests were ignored and no card was issued. \n\nBetween XX/XX/XXXX and XX/XX/year>, multiple unauthorized transactions appeared on my account from a merchant listed as XXXX XXXX. When I reviewed my PayPal balance and transaction history, no clear information about these charges was available. I contacted PayPal immediately and opened disputes. One of the disputes was denied in under two minutes, with no explanation or indication that a proper investigation occurred. I called again to escalate the issue. \n\nOn the morning of XX/XX/year>, I received several emails, each sent only seconds apart, stating that the escalated disputes were also denied. No reasoning or details were provided in any of these denials. The merchant has no publicly available contact information, making it impossible for me to address the charges directly. \n\nI am filing this complaint because PayPal failed to properly investigate the unauthorized transactions, follow required consumer protection procedures, or provide any transparency regarding their decisions. I am requesting that these cases be reopened, properly investigated, and that the disputed funds be refunded. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-11-20T17:14:44.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"760XX","tags":null,"has_narrative":true,"complaint_id":"18299227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-11-20T17:09:58.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> I <em>have</em> <em>been</em> experiencing issues with my PayPal <em>account</em> for several weeks. During this time, I contacted PayPal multiple times to request a replacement debit card, but my requests were ignored and no card was issued. \n\nBetween XX/XX/XXXX and XX/XX/year>, multiple unauthorized transactions appeared on my <em>account</em> from a merchant listed as XXXX XXXX. When I reviewed my PayPal balance and transaction history, no clear information about these charges was available."]},"sort":[13.579956,"18299227"]},{"_index":"complaint-public-v1","_id":"16177556","_score":13.533816,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Credit reporting / Incorrect information on credit report Complaint Narrative I am filing this complaint against XXXX for failing to properly verify and validate an account they are reporting under my name. \n\nI have disputed this account with XXXX four times. Despite my repeated requests, they have not provided legitimate documentation to prove that this debt is valid and accurately reported. Instead, XXXX continues to respond with vague or automated verified statements without providing the original documentation required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. \n\nSpecifically, XXXX has failed to provide : 1. A copy of the original signed promissory note.\n\n2. A full account/payment history with all transactions, interest, and fees.\n\n3. The method of verification used to confirm this account.\n\n4. A resolution of inconsistencies across credit bureaus. \n\nBecause XXXX continues to report unverifiable information, this account is damaging my credit profile and causing ongoing harm. This is a direct violation of the FCRA, which requires accurate reporting and obligates furnishers to properly investigate disputes.\n\nDesired Resolution : Immediate removal of this unverifiable account from all three credit reporting agencies ( XXXX, Experian, and XXXX  ). \nWritten confirmation from XXXX that the account has been deleted. \nAssurance that no further inaccurate information will be reported in the future. \n\nI respectfully request the CFPBs assistance in compelling XXXX to comply with federal law and correct this matter.","date_sent_to_company":"2025-09-25T18:27:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"082XX","tags":null,"has_narrative":true,"complaint_id":"16177556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-25T18:27:01.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Credit reporting / Incorrect information on credit report <em>Complaint</em> <em>Narrative</em> I am filing this <em>complaint</em> against XXXX for failing to properly verify and validate an <em>account</em> they are reporting under my name. \n\nI <em>have</em> <em>disputed</em> this <em>account</em> with XXXX four times. Despite my repeated requests, they <em>have</em> not provided legitimate documentation to prove that this debt is valid and accurately reported."]},"sort":[13.533816,"16177556"]},{"_index":"complaint-public-v1","_id":"16175550","_score":13.533816,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX credit report Complaint Narrative I am filing this complaint against Nelnet for failing to properly verify and validate an account they are reporting under my name. \n\nI have disputed this account with Nelnet four times. Despite my repeated requests, they have not provided legitimate documentation to prove that this debt is valid and accurately reported. Instead, Nelnet continues to respond with vague or automated verified statements without providing the original documentation required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.\n\nSpecifically, Nelnet has failed to provide : 1. A copy of the original signed promissory note.\n\n2. A full account/payment history with all transactions, interest, and fees.\n\n3. The method of verification used to confirm this account.\n\n4. A resolution of inconsistencies across credit bureaus. \n\nBecause Nelnet continues to report unverifiable information, this account is damaging my credit profile and causing ongoing harm. This is a direct violation of the FCRA, which requires accurate reporting and obligates furnishers to properly investigate disputes. \n\nDesired Resolution : Immediate removal of this unverifiable account from all three credit reporting agencies ( XXXX XXXX XXXX XXXX ). \nWritten confirmation from Nelnet that the account has been deleted. \nAssurance that no further inaccurate information will be reported in the future. \n\nI respectfully request the CFPBs assistance in compelling Nelnet to comply with federal law and correct this matter.","date_sent_to_company":"2025-09-25T18:27:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"082XX","tags":null,"has_narrative":true,"complaint_id":"16175550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-09-25T18:19:30.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX credit report <em>Complaint</em> <em>Narrative</em> I am filing this <em>complaint</em> against Nelnet for failing to properly verify and validate an <em>account</em> they are reporting under my name. \n\nI <em>have</em> <em>disputed</em> this <em>account</em> with Nelnet four times. Despite my repeated requests, they <em>have</em> not provided legitimate documentation to prove that this debt is valid and accurately reported."]},"sort":[13.533816,"16175550"]},{"_index":"complaint-public-v1","_id":"17325561","_score":13.466461,"_source":{"product":"Credit card","complaint_what_happened":"Company : Synchrony Bank ( CareCredit ) Product : Credit Card Issue : Billing dispute / Unauthorized charges/ Account closure ignored Complaint Narrative : I am disputing charges and account handling by Synchrony Bank ( CareCredit ). \nOn [ date of your original letter ], I submitted written notice requesting that my CareCredit account be closed to all future purchases. Despite this, I continue to receive billing statements reflecting new charges and adjustments. \nMy account has been billed for a Card Security feature that I never requested or authorized. I previously demanded cancellation of this feature, yet the monthly charge was increased from {$37.00} to {$46.00}. \nMy most recent statement includes a charge of {$600.00} in interest, which I dispute in full. A representative ( XXXX XXXX XXXX XXXX explained this as tied to a promotional nointerest plan, but this explanation is inadequate and does not justify the charge, particularly after my closure request. \nI have made this months payment in good faith to avoid delinquency. However, I will not accept responsibility for unauthorized fees or improper interest assessments. \nRequested Resolution : Immediate closure of this account to all future purchases.\n\nRemoval of the Card Security feature and refund of all related charges. \nRemoval of the {$600.00} interest charge. \nWritten confirmation that these corrections have been made and that no adverse credit reporting will result from this dispute. \nSupporting Documents : Copy of my original closure request letter. \nCopy of the disputed billing statement. \nRecord of my payment made to avoid delinquency.","date_sent_to_company":"2025-11-19T13:05:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"967XX","tags":"Older American","has_narrative":true,"complaint_id":"17325561","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-11-18T19:54:48.000Z","state":"HI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Company : Synchrony Bank ( CareCredit ) Product : Credit Card Issue : Billing <em>dispute</em> / Unauthorized charges/ <em>Account</em> closure ignored <em>Complaint</em> <em>Narrative</em> : I am <em>disputing</em> charges and <em>account</em> handling by Synchrony Bank ( CareCredit ). \nOn [ date of your original letter ], I submitted written notice requesting that my CareCredit <em>account</em> be closed to all future purchases. 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