{"took":85,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1076,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12613724","_score":15.684218,"_source":{"product":"Debt collection","complaint_what_happened":"Sub-issue : Debt is not yours Consumer consent to publish narrative Consent provided Consumer complaint narrative I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.\n\nCompany information","date_sent_to_company":"2025-03-22T15:23:23.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"34772","tags":"Servicemember","has_narrative":true,"complaint_id":"12613724","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shepherd Outsourcing, LLC","date_received":"2025-03-22T15:15:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Sub-issue : Debt is not yours Consumer consent to publish <em>narrative</em> Consent provided Consumer <em>complaint</em> <em>narrative</em> I don't recall <em>having</em> a contractual relationship with this collection company XXXX XXXX XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights <em>have</em> not <em>been</em> infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S."]},"sort":[15.684218,"12613724"]},{"_index":"complaint-public-v1","_id":"12612174","_score":15.637567,"_source":{"product":"Debt collection","complaint_what_happened":"Sub-issue : Debt is not yours Consumer consent to publish narrative Consent provided Consumer complaint narrative I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYSTEMS , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.\n\nCompany information","date_sent_to_company":"2025-03-22T15:23:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"34772","tags":"Servicemember","has_narrative":true,"complaint_id":"12612174","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-03-22T15:22:59.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Sub-issue : Debt is not yours Consumer consent to publish <em>narrative</em> Consent provided Consumer <em>complaint</em> <em>narrative</em> I don't recall <em>having</em> a contractual relationship with this collection company JEFFERSON CAPITAL SYSTEMS , LLC. Please give proof that this account belongs on my credit report and that my rights <em>have</em> not <em>been</em> infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S."]},"sort":[15.637567,"12612174"]},{"_index":"complaint-public-v1","_id":"3393985","_score":14.847394,"_source":{"product":"Debt collection","complaint_what_happened":"In complaint XXXX I have requested proof of the information they are reporting and all that has been offered is a narrative of the account. According to the company the account was \" paid in full ''. I do not have recollection of the original debt, the amount of the original debt, the time in which the original debt was acquired, or \" paid ''. The company has failed to provide the requested proof of debt but has continued to report the information to the credit bureaus. Simply narrating that a payment was made does not prove they are reporting the information correctly.","date_sent_to_company":"2019-10-03T06:44:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"681XX","tags":null,"has_narrative":true,"complaint_id":"3393985","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2019-10-03T02:33:40.000Z","state":"NE","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["In <em>complaint</em> XXXX I <em>have</em> requested proof of the information they are reporting and all that has <em>been</em> offered is a <em>narrative</em> of the account. According to the company the account was \" paid in full ''. I do not <em>have</em> recollection of the original debt, the amount of the original debt, the time in which the original debt was acquired, or \" paid ''. The company has failed to provide the requested proof of debt but has continued to report the information to the credit bureaus."]},"sort":[14.847394,"3393985"]},{"_index":"complaint-public-v1","_id":"5199541","_score":14.778102,"_source":{"product":"Mortgage","complaint_what_happened":"Complaint XXXX was submitted and the response of sending to FTC is not confirmed by FTC as FTC has stated they do not have access to CFPB Complaints. So why tell consumer this can of information This Complaint know consists of new evidence that the Bank ha suggested that until some sort of settlement can be reached with Wells Fargo that the monthly privilege of direct pay be cancelled & converted to checking or another service until perhaps a Court Judgment be determined Wells Fargo continues to evade the facts that the Escrow False Narrative that they have created has no basis. \n\nThe attached letters sub titles best describes the financial scheming that Wells Fargo has created that must be reversed as there is no foundation from any Entity from Insurance, Taxes that support the substantial change in TOTAL AMOUNT DUE of {$760.00}. \n\nThus in Order to save guard the well being of the homeowners banking assets the Request to discontinue direct/ automatic withdraw as of XX/XX/XXXX must be accepted by Wells Fargo to the address of record. Withdraw without any basis can not be sustained and must stop as of the final withdraw of XX/XX/XXXX. \n\nIn review of the most recent correspondent dated XX/XX/XXXX are old talking points with no basis to include False Narrative of there being a Escrow Shortage leading to substantial increases from XX/XX/XXXX to XX/XX/XXXX to XX/XX/XXXX and then onto XX/XX/XXXX, of XXXX that has no collaboration in reality other than a financial scheme that even Legal Aid of Southern Nevada Talk to a Attorney Program typifies as a scheme that Wells Fargo has been unfairly dealing to homeowners for far to long. The Ask A Lawyer Program Attorney further stated that CFPB would be the right place to seek Redress to the False Narrative placed on this Mortgage that again and although redundant is not back by the false statement ( s ) in this XX/XX/XXXX letter in all aspects from Taxes to Insurance. \n\nThe old talking point of the is fragrantly outlined and dragged back and forth into this False Narrative in the XX/XX/XXXX letter that the Applicant failed to provide financial documentation to close on a property ( See Page 2 Paragraph 2, Line 3 & 4 ) There was no such failure and Wells Fargo has to capability of constructing events that would validate this claim of failure.\n\nThe ONUS was on Wells Fargo to close and they failed to complete that transaction and that is why the Earnest Money of {$1500.00} was lost to the Seller If not corrected by Wells Fargo with a complete reversal of this \" Action '' or the requested sale of this Mortgage then the litigation will be necessary. It should be of interest to CFPB that the Courts are not new to this litigation against Wells Fargo.","date_sent_to_company":"2022-02-08T20:42:31.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"89169","tags":"Older American","has_narrative":true,"complaint_id":"5199541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-02-08T20:05:37.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["<em>Complaint</em> XXXX was submitted and the response of sending to FTC is not confirmed by FTC as FTC has stated they do not <em>have</em> access to CFPB <em>Complaints</em>."]},"sort":[14.778102,"5199541"]},{"_index":"complaint-public-v1","_id":"11791258","_score":14.629388,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Date CFPB received the complaint XX/XX/year>2024 Consumers state IL Consumers zip XXXX Submitted via Web Did consumer dispute the response? \nN/A Product Credit reporting or other personal consumer reports Sub-product : Credit reporting Issue Incorrect information on your report Sub-issue : Information is missing that should be on the report Consumer consent to publish narrative Consent provided Consumer complaint narrative Im very devastated that i have paid off a { {$23000.00} } dollar car loan with only 7 % left to pay and NOT XXXX credit burial has given me any points on my credit report. XXXX has never given me any credit points for a 100 % flawless car payment. and XXXX and XXXX has never even reported it on my credit file. it's like im the most XXXX at XXXX because everyone get points for having 100 % payment history and i did not receive any score points or boost I want the XXXX points i should have that i have paid off this loan up to 7 % please treat me fair and considering i just beat XXXX XXXX XXXX XXXX and i still never missed a car payment and never been late. I have checked around and i know i should have XXXX points for this","date_sent_to_company":"2025-01-27T10:08:22.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"92301","tags":null,"has_narrative":true,"complaint_id":"11791258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-27T10:08:14.000Z","state":"CA","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["N/A Product Credit reporting or other personal consumer reports Sub-product : Credit reporting Issue Incorrect information on your report Sub-issue : Information is missing that should be on the report Consumer consent to publish <em>narrative</em> Consent provided Consumer <em>complaint</em> <em>narrative</em> Im very devastated that i <em>have</em> paid off a { {$23000.00} } dollar car loan with only 7 % left to pay and NOT XXXX credit burial has given me any points on my credit report."]},"sort":[14.629388,"11791258"]},{"_index":"complaint-public-v1","_id":"11791256","_score":14.536293,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Date CFPB received the complaint XX/XX/year>2024 Consumers state IL Consumers zip XXXX Submitted via Web Did consumer dispute the response? \nN/A Product Credit reporting or other personal consumer reports Sub-product : Credit reporting Issue Incorrect information on your report Sub-issue : Information is missing that should be on the report Consumer consent to publish narrative Consent provided Consumer complaint narrative Im very devastated that i have paid off a { {$23000.00} } dollar car loan with only 7 % left to pay and NOT XXXX credit burial has given me any points on my credit report. XXXX has never given me any credit points for a 100 % flawless car payment. and Experien and XXXX has never even reported it on my credit file. it's like im the most XXXX at XXXX because everyone get points for having 100 % payment history and i did not receive any score points or boost I want the XXXX points i should have that i have paid off this loan up to 7 % please treat me fair and considering i just beat XXXX XXXX XXXX XXXX and i still never missed a car payment and never been late. I have checked around and i know i should have XXXX points for this","date_sent_to_company":"2025-01-27T10:08:22.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"92301","tags":null,"has_narrative":true,"complaint_id":"11791256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-27T10:08:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["N/A Product Credit reporting or other personal consumer reports Sub-product : Credit reporting Issue Incorrect information on your report Sub-issue : Information is missing that should be on the report Consumer consent to publish <em>narrative</em> Consent provided Consumer <em>complaint</em> <em>narrative</em> Im very devastated that i <em>have</em> paid off a { {$23000.00} } dollar car loan with only 7 % left to pay and NOT XXXX credit burial has given me any points on my credit report."]},"sort":[14.536293,"11791256"]},{"_index":"complaint-public-v1","_id":"7532737","_score":14.51556,"_source":{"product":"Credit card","complaint_what_happened":"To the Appropriate Officials, On behalf of XXXX XXXX, the juridical principal debtor, I, as a non-juridical representative, draft this grievance, resonating with genuine concern. \n\nThe Longstanding Bond : Tracing back to XXXX, XXXX XXXX 's affiliation with American Express has been unbroken. This provokes the query : What prompts this complaint at this juncture? \n\nA Tale of Two Narratives : Theres an evident disparity between the narrative spun by American Express 's responses and our initial assertions. This gap pushes us to seek a higher avenue of redress.\n\nReflecting on the Past : Earlier grievances seem to have been prematurely archived without directly addressing the pivotal matters. Such oversight nudges us to take this intensified approach.\n\nNavigating the Fog : Our endeavors for straightforward communication with American Express 's divisions often find us amidst murkiness, opposing our intentions for clear discourse. \n\nEnclosures : The documents attached serve as a beacon, illuminating our areas of concern. \n\nA Call for Action : I implore the CFPB to delve into this matter, seeking a transparent and equitable resolution. \n\nAs an additional measure for transparency and to underscore the gravity of this matter, a hard copy of the pertinent attachments has been dispatched via certified mail. \n\nXXXX ( non juridical )","date_sent_to_company":"2023-09-11T20:13:05.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"537XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7532737","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-09-11T19:43:59.000Z","state":"WI","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["The Longstanding Bond : Tracing back to XXXX, XXXX XXXX 's affiliation with American Express has <em>been</em> unbroken. This provokes the query : What prompts this <em>complaint</em> at this juncture? \n\nA Tale of Two <em>Narratives</em> : Theres an evident disparity between the <em>narrative</em> spun by American Express 's responses and our initial assertions. This gap pushes us to seek a higher avenue of redress."]},"sort":[14.51556,"7532737"]},{"_index":"complaint-public-v1","_id":"3047468","_score":14.492553,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Consumer complaint narrative I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit and a police report asking that they remove the XXXX XXXX is the results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter. As to the damage done by having in my credit report this fraudulent item, I been rejected 10 times for new credit.","date_sent_to_company":"2018-10-16T16:34:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10550","tags":null,"has_narrative":true,"complaint_id":"3047468","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-10-16T16:34:43.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As to the damage done by <em>having</em> in my credit report this fraudulent item, I <em>been</em> rejected 10 times for new credit."]},"sort":[14.492553,"3047468"]},{"_index":"complaint-public-v1","_id":"3047467","_score":14.452222,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Consumer complaint narrative I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit and a police report asking that they remove the XXXX XXXX is the results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter. As to the damage done by having in my credit report this fraudulent item, I been rejected 10 times for new credit.","date_sent_to_company":"2018-10-16T16:34:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10550","tags":null,"has_narrative":true,"complaint_id":"3047467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-10-16T16:34:43.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As to the damage done by <em>having</em> in my credit report this fraudulent item, I <em>been</em> rejected 10 times for new credit."]},"sort":[14.452222,"3047467"]},{"_index":"complaint-public-v1","_id":"20704710","_score":14.122312,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Lets file cfpb complaint Perfect were filing right now.\n\nIm going to give you the full CFPB complaint package, including : the narrative the answers to every CFPB question the resolution request the evidence list the upload checklist Youll be able to copy/paste everything directly into the CFPB portal. \n\nThis is structured exactly the way regulators expect : neutral, factual, chronological, and focused on compliance failures. \n\nCFPB COMPLAINT FULL TEXT TO SUBMIT 1. What happened? ( Main Narrative ) Copy/paste this into the main narrative box : I am filing a complaint regarding GM Financials handling of my account, reinstatement process, repossession, and the chain of custody of my vehicle and personal property. There are multiple procedural failures, contradictory reinstatement information, and documentation issues that resulted in a wrongful repossession and significant harm. \n\nOn XXXX XXXX XXXX I received conflicting reinstatement quotes from GM Financial. I was provided one reinstatement amount verbally, a different amount in writing, and then told the reinstatement was no longer available. I was also told that a Cure Notice had been issued, but the dates and amounts provided were inconsistent and did not match the written notice. \n\nDespite my attempts to resolve the matter, my vehicle was repossessed. During the property release at XXXX ( the repossession agent ), there were additional contradictions. XXXX  staff stated that another financial institution was involved and that they needed signatures from them, but then refused to sign any documentation themselves. They also provided inconsistent information about the release process and the condition of my vehicle. \n\nA XXXX Police Department officer, Officer XXXX, was present during the property release. He witnessed my statements, XXXX  statements, and the condition of the vehicle and property. He also completed an incident report and recorded the interaction. \n\nI have submitted a full evidence packet to GM Financials Executive Resolution Department, including timelines, documentation, correspondence, and proof of the inconsistencies. The packet was shipped via XXXX XXXX XXXX Overnight on XX/XX/year>. \n\nI am requesting the CFPBs assistance to ensure GM Financial corrects the account, provides a written determination, and addresses the procedural failures that led to the wrongful repossession and harm.","date_sent_to_company":"2026-03-27T03:39:05.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"77479","tags":null,"has_narrative":true,"complaint_id":"20704710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2026-03-27T03:10:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Account reinstatement or redemption after repossession"},"highlight":{"complaint_what_happened":["Lets file cfpb <em>complaint</em> Perfect were filing right now.\n\nIm going to give you the full CFPB <em>complaint</em> package, including : the <em>narrative</em> the answers to every CFPB question the resolution request the evidence list the upload checklist Youll be able to copy/paste everything directly into the CFPB portal. \n\nThis is structured exactly the way regulators expect : neutral, factual, chronological, and focused on compliance failures. \n\nCFPB <em>COMPLAINT</em> FULL TEXT TO SUBMIT 1. What happened?"]},"sort":[14.122312,"20704710"]},{"_index":"complaint-public-v1","_id":"4337797","_score":13.73401,"_source":{"product":"Checking or savings account","complaint_what_happened":"Follow up complaint COMPLAINT ID XXXX On XX/XX/XXXX BOA single-handed decided to close my two accounts without notice. \n\nToday is XX/XX/XXXX, the funds have not been received. BOA has really bad services, their customer associate changes their narrative every time I call in. \n\nOn XX/XX/XXXX, I received a photocopy of my checks. I called BOA and they promised to send out a new check. On XX/XX/XXXX BOA stated that the new check will be mailed out in 15 business days. On XX/XX/XXXX. BOA said they are not gon na send the check to me and I HAVE to wait until XX/XX/XXXX in order to receive a new check. \n\nThis is unacceptable and I urgently need to use the money to buy my first home.","date_sent_to_company":"2021-04-29T20:21:33.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4337797","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-04-29T20:01:48.000Z","state":null,"company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Follow up <em>complaint</em> <em>COMPLAINT</em> ID XXXX On XX/XX/XXXX BOA single-handed decided to close my two accounts without notice. \n\nToday is XX/XX/XXXX, the funds <em>have</em> not <em>been</em> received. BOA has really bad services, their customer associate changes their <em>narrative</em> every time I call in. \n\nOn XX/XX/XXXX, I received a photocopy of my checks. I called BOA and they promised to send out a new check. On XX/XX/XXXX BOA stated that the new check will be mailed out in 15 business days. On XX/XX/XXXX."]},"sort":[13.73401,"4337797"]},{"_index":"complaint-public-v1","_id":"4920444","_score":13.618653,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX has changed information on my credit report stating originally that I was late with payments in XXXX and XX/XX/XXXX. They also reported that I closed the account in XXXX of XXXX. If the account was closed in XXXX of XXXX I could not have been late in XXXX of XXXX. I sent in a complaint about the erroneous information and after they reviewed the information and having reported this negative information for several months changed the negative reporting to being Late in XXXX of XXXX and late in XXXX of XXXX to fit their narrative. This incorrect information has cased financial harm due to me because of its incorrect reporting for several months. Financial discrimination by reporting incorrect information on a consumers credit report should never be allowed.","date_sent_to_company":"2021-11-17T18:21:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"4920444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-11-17T17:59:19.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If the account was closed in XXXX of XXXX I could not <em>have</em> <em>been</em> late in XXXX of XXXX. I sent in a <em>complaint</em> about the erroneous information and after they reviewed the information and <em>having</em> reported this negative information for several months changed the negative reporting to being Late in XXXX of XXXX and late in XXXX of XXXX to fit their <em>narrative</em>. This incorrect information has cased financial harm due to me because of its incorrect reporting for several months."]},"sort":[13.618653,"4920444"]},{"_index":"complaint-public-v1","_id":"6333235","_score":13.5821,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Company Equifax inc. Has continuously to report fraudulent information on my equifax profile, equifax for months has blocked me out of subscription services that I enrolled in. Equifax has damaged my reputation. By putting the false narrative out there that Im not an eligible candidate for lines of credit, personal loans. And financing wich I have been denied because of the innacurate information the equifax is reporting. Equifax violated my right under being a victim of my data being stolen. Equifax also has violated many federal laws and violations under the FCRA. XXXX have been documenting over the course of 7-8 months of all these violations. Since this been an ongoing matter i will be submitting a fedral complaint with my states attorneys office and hiring legal representation for the damages and defamation equifax inc has caused to my character","date_sent_to_company":"2022-12-17T09:12:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55112","tags":null,"has_narrative":true,"complaint_id":"6333235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-12-17T08:52:09.000Z","state":"MN","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["By putting the false <em>narrative</em> out there that Im not an eligible candidate for lines of credit, personal loans. And financing wich I <em>have</em> <em>been</em> denied because of the innacurate information the equifax is reporting. Equifax violated my right under being a victim of my data being stolen. Equifax also has violated many federal laws and violations under the FCRA. XXXX <em>have</em> <em>been</em> documenting over the course of 7-8 months of all these violations."]},"sort":[13.5821,"6333235"]},{"_index":"complaint-public-v1","_id":"6333233","_score":13.56594,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Company Equifax inc. Has continuously to report fraudulent information on my equifax profile, equifax for months has blocked me out of subscription services that I enrolled in. Equifax has damaged my reputation. By putting the false narrative out there that Im not an eligible candidate for lines of credit, personal loans. And financing wich I have been denied because of the innacurate information the equifax is reporting. Equifax violated my right under being a victim of my data being stolen. Equifax also has violated many federal laws and violations under the FCRA. Wich have been documenting over the course of 7-8 months of all these violations. Since this been an ongoing matter i will be submitting a fedral complaint with my states attorneys office and hiring legal representation for the damages and defamation equifax inc has caused to my character","date_sent_to_company":"2022-12-17T09:12:23.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55112","tags":null,"has_narrative":true,"complaint_id":"6333233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-12-17T09:12:18.000Z","state":"MN","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["By putting the false <em>narrative</em> out there that Im not an eligible candidate for lines of credit, personal loans. And financing wich I <em>have</em> <em>been</em> denied because of the innacurate information the equifax is reporting. Equifax violated my right under being a victim of my data being stolen. Equifax also has violated many federal laws and violations under the FCRA. Wich <em>have</em> <em>been</em> documenting over the course of 7-8 months of all these violations."]},"sort":[13.56594,"6333233"]},{"_index":"complaint-public-v1","_id":"6333234","_score":13.493935,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Company Equifax inc. Has continuously to report fraudulent information on my equifax profile, equifax for months has blocked me out of subscription services that I enrolled in. Equifax has damaged my reputation. By putting the false narrative out there that Im not an eligible candidate for lines of credit, personal loans. And financing wich I have been denied because of the innacurate information the equifax is reporting. Equifax violated my right under being a victim of my data being stolen. Equifax also has violated many federal laws and violations under the FCRA. Wich have been documenting over the course of 7-8 months of all these violations. Since this been an ongoing matter i will be submitting a fedral complaint with my states attorneys office and hiring legal representation for the damages and defamation equifax inc has caused to my character","date_sent_to_company":"2022-12-17T09:12:23.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55112","tags":null,"has_narrative":true,"complaint_id":"6333234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-12-17T09:12:18.000Z","state":"MN","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["By putting the false <em>narrative</em> out there that Im not an eligible candidate for lines of credit, personal loans. And financing wich I <em>have</em> <em>been</em> denied because of the innacurate information the equifax is reporting. Equifax violated my right under being a victim of my data being stolen. Equifax also has violated many federal laws and violations under the FCRA. Wich <em>have</em> <em>been</em> documenting over the course of 7-8 months of all these violations."]},"sort":[13.493935,"6333234"]},{"_index":"complaint-public-v1","_id":"6042938","_score":13.41026,"_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":["Aidvantage is not reporting on my credit open loans, Navient is reporting XXXX loans that <em>have</em> <em>been</em> XXXX even though they <em>have</em> <em>been</em> 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 <em>complaint</em> and that no further action would be needed."]},"sort":[13.41026,"6042938"]},{"_index":"complaint-public-v1","_id":"18425066","_score":13.363592,"_source":{"product":"Credit card","complaint_what_happened":"CFPB Complaint Narrative TD Bank TD Bank confirmed that a credit/refund was owed, highlighting their responsibility to act promptly. As of XX/XX/year>, no refund check has been received, which undermines trust and accountability. This acknowledgment should help them resolve the matter quickly. \nThe delay constitutes unreasonable processing and non-compliance with Regulation Z ( Truth in Lending Act ). I would like to have a written confirmation of compliance to verify that proper procedures are being followed. \nThe continued withholding of my credit balance constitutes improper handling of a completed payment and delayed disbursement of funds. I would like you to issue the refund owed and provide a written confirmation that the account has been fully resolved, with no remaining balance or reporting issues. XXXX resolution will reinforce their accountability and commitment to proper service.","date_sent_to_company":"2026-01-02T18:44:47.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"75071","tags":null,"has_narrative":true,"complaint_id":"18425066","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2026-01-02T18:09:38.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> TD Bank TD Bank confirmed that a credit/refund was owed, highlighting their responsibility to act promptly. As of XX/XX/year>, no refund check has <em>been</em> received, which undermines trust and accountability. This acknowledgment should help them resolve the matter quickly. \nThe delay constitutes unreasonable processing and non-compliance with Regulation Z ( Truth in Lending Act )."]},"sort":[13.363592,"18425066"]},{"_index":"complaint-public-v1","_id":"5313387","_score":13.358286,"_source":{"product":"Mortgage","complaint_what_happened":"NEW EVIDENCE 1 ) WELLS FARGO CONTINUES TO STATE FALSE NARRATIVE PHONE RECORDS SHOW THAT MANY CALLS TO PERSONNEL FROM A XXXX IN TEXAS TO XXXX IN XXXX HAS ALWAYS BEEN RETURNED BUT XXXX PASS IT ON TO MESSAGING XXXX HAS NEVER RETURNED CALLS 2 ) CALLS TO NAME & NUMBERS OF INDIVIDUAL ANSWERING CAN NOT CONFIRM THAT THEY ARE WITH WELLS FARGO- LIKE SCAMMERS THEY ATTEMPT TO GET INFORMATION THAT IF THEY WERE WELLS FARGO THEY WOULD HAVE 3 ) CLAIMS OF INCREASING MONTHLY MORTGAGE DUE TO INCREASE IN ESCROW BECAUSE OF INCREASE TO VALUE OF HOME, COST OF INSURANCE AND TAXES HAS BEEN CONFIRMED WAS FALSE IN MONITORED RETURN CALL ON THURSDAY WHERE PERSON LEAVING MESSAGE INDICATES THAT THEY ARE AN ATTORNEY BUT THEY DO NOT LEAVE A NAME 4 ) IN # 3 THEY WERE INFORMED THAT PROPERTY IS BEING SOLD TO RELIEF OWNER OF ALL OF THE FALSE NARRATIVE & i EXCESSIVE CHARGES THAT XXXX XXXX OF SOUTHERN NEVADA XXXX XXXX A LAWYER \" XXXX XXXX ) STATED THAT WELLS FARGO HAS A HUGE REPUTATION FOR ABUSES IDENTIFIED IN # 3 THEN LITIGATION WIL START FOR REDRESS & REPARATIONS LOST BECAUSE THE HOME WILL HAVE GO SELL FOR NEARLY NOTHING BECAUSE OF REPORTED STRUCTURAL DAMAGE THAT XXXX XXXX DID NOT DISCLOSE DURING THE SALE NOR TO THE TRANSFER TO WELLS FARGO. \nTHERE ARE EXTENSIVE LAWSD THAT REQUIRE A SELLER- \" XXXX XXXX  '' TO DISCLOSE CONDITIONS THAT \" XXXX FAILED TO REPORT. \n& NOW WELLS FARGO HAS FAILED TO LITIGATE A CLAIM FOR DAMAGES AS THE PROPERTY CAN NOT BE BILLED FOR WELLS FARGO FALSE NARRATIVE FIGURES OF PROPERTY VALUE WHEN IN EXCESS THE PROPERTY WILL HAVE TO SELL FOR A \" VAST LOSS OF VALUE '' 5 ) WELLS FARGO INSIST ON TAXES INCREASES EVERY 6 MONTHS IN THERE REPLY TO FORMER COMPLAINTS WHEN THE COUNTY HAS CONFIRMED THAT IT ONLY RELEASES TAXABLE INCOME EVERY YEAR- THUS WELLS FARGO FIGURES ARE PERJURY! \n\n6 ) & AGAIN XXXX  IS CLAIMING INCREASE IN ESCROW DUE TO INCREASE IN INSURANCE THAT IS BEING BILLED BOTH BY AXXXX XXXX XXXX THRU THE MONTHLY HOA DUES FOR THE STRUCTURE AS WELL AS THE INSURANCE WELLS FARGO IS CLAIMING FOR THE SAME STRUCTURE THAT CAN NOT SELL @ \" ANY MARKET VALUE DUE TO THE DAMAGE TO THE STRUCTURE. \n\nWELLS FARGO MUST PROVIDE A SUBSTNATIAL REFUND TO CLAIMS OF ESCROW INSURANCE FOR INSURANCE THAT IS BEING DOUBLE BILLED TO THE PROPERTY OWNER. THE INSURANCE CLAIMED BY WELLS FARGO MUST BE REFUNDED -AS WELL AS XXXX XXXX DATING BACK TO XX/XX/2018 WHEN THE SALE -VOID OF DISCLOSURE WAS CLEAR TO CLOSE!","date_sent_to_company":"2022-03-12T21:43:10.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"89169","tags":"Older American","has_narrative":true,"complaint_id":"5313387","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-03-12T21:11:42.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["& NOW WELLS FARGO HAS FAILED TO LITIGATE A CLAIM FOR DAMAGES AS THE PROPERTY CAN NOT BE BILLED FOR WELLS FARGO FALSE <em>NARRATIVE</em> FIGURES OF PROPERTY VALUE WHEN IN EXCESS THE PROPERTY WILL <em>HAVE</em> TO SELL FOR A \" VAST LOSS OF VALUE '' 5 ) WELLS FARGO INSIST ON TAXES INCREASES EVERY 6 MONTHS IN THERE REPLY TO FORMER <em>COMPLAINTS</em> WHEN THE COUNTY HAS CONFIRMED THAT IT ONLY RELEASES TAXABLE INCOME EVERY YEAR- THUS WELLS FARGO FIGURES ARE PERJURY!"]},"sort":[13.358286,"5313387"]},{"_index":"complaint-public-v1","_id":"18523730","_score":13.349314,"_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":[13.349314,"18523730"]},{"_index":"complaint-public-v1","_id":"9016856","_score":13.302492,"_source":{"product":"Credit card","complaint_what_happened":"I manage XXXX synchrony accounts from the same portal. One is a XXXX XXXX account and the other is a Car Care card account. This is the third time that they have decreased my credit limit on the Car Care account even though I have maintained good status with the payments. I recently paid off a XXXX XXXX account that has over {$7000.00} available on it. Why did they not reduce that balance instead of the one that I am using? \n\nThey are still acting in a retaliatory manner for past complaints and trying to maliciously to compromise my credit with the negative reporting even though my performance on the account has been good. There was absolutely no reason for the credit decrease on the account and the malicious harassment should stop. They are a public company, and should not have this type of personal engagement harassing consumers and projecting toxic narratives on their credit reports.","date_sent_to_company":"2024-05-16T01:36:01.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"30135","tags":"Servicemember","has_narrative":true,"complaint_id":"9016856","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-05-16T01:13:24.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["They are still acting in a retaliatory manner for past <em>complaints</em> and trying to maliciously to compromise my credit with the negative reporting even though my performance on the account has <em>been</em> good. There was absolutely no reason for the credit decrease on the account and the malicious harassment should stop. They are a public company, and should not <em>have</em> this type of personal engagement harassing consumers and projecting toxic <em>narratives</em> on their credit reports."]},"sort":[13.302492,"9016856"]},{"_index":"complaint-public-v1","_id":"5298583","_score":13.254446,"_source":{"product":"Mortgage","complaint_what_happened":"UPDATE TO COMPLAINTS ALL OF WHICH THE DEFENDANT HAS FAILED TO COOPERATE & ANSWER WELLS FARGO CONTINUES FALSE NARRATIVE FOR THE SOLE PURPOSE OF INFLATING FALSE INCOME THERE IS NOT 1 ENTITY THAT SUPPORT THE CLAIMS THAT WELLS FARGO CONTINUES TO EVADE IN THE ATTEMPT TO INFLATE MONTHLY MORTGAGE BY NEARLY {$200.00} A MONTH FACTS : 1 ) WELLS FARGO IS BILLING DOUBLE INSURANCE OF STRUCTURE- AS THE MONTHLY HOA DUES COVERS THE STRUCTURE AS WELL- THAT \" A DOUBLE WHAMMY! \n2 ) XXXX COUNTY HAS INDICATED THAT THE TAX AMOUNTS IS RELEASED ONCE A YEAR. WELLS FARGO HAS CLAIM TO HAVE TO INCREASE ESCROW BECAUSE OF INCREASE IN TAXES- TWICE A YEAR 3 ) THE TAXABLE VALUE USED BY WELLS FARGO IS EXCESSIVE & AGAIN NOT AGREED TO BY ANY OTHER ENTITY. \n\nWELLS FARGO MUST REFUND A N EXTREMELY LARGE REFUND FOR THE EXCESSIVE INSURANCE, HIGHER THEN REALISTIC TAX & PROPERTY VALUE IMMEDIATE THIS MUST BE INCOOPERATED & SUBMITTED MONTHLY TO THE PROPERTY ADDRESS AND NO LONGER PAID BY AUTOMATIC BANK WITHDRAWN THAT WAS AGREED UPON WITH XXXX XXXX, ETC.- NOT WELLS FARGO WELLS FARGO HAS NEVER REIMBURSED FOR THE EXCESSIVE COSTS INVOLVED IN 2 MORTGAGE PROGRAMS IN WHICH WELLS FARGO WILLFULLY SOUGHT TO HARM THE APPLICANT. \n\nTHESE PROGRAMS HAVE BEEN FULLY DESCRIBED IN PRIORCOMPLAINTS TO INCLUDE THE LOSS OF {$1500.00} IN EARNEST MONEY WHEN WELLS FARGO FAILED TO CLOSE ON TIME. WELLS FARGO AGRESSIOUSLY HARM THE APPLICANT WITH FALSE NARRATIVE THAT TO DATE HAS COSTS THE APPLICANT OVER {$70000.00} IN REAL ESTATE TRANSACTIONS THAT MILLIIONS OF AMERICANS HAVE PROSPER FROM.","date_sent_to_company":"2022-03-08T20:15:32.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"89169","tags":"Older American","has_narrative":true,"complaint_id":"5298583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-03-08T19:51:41.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["THESE PROGRAMS <em>HAVE</em> <em>BEEN</em> FULLY DESCRIBED IN PRIORCOMPLAINTS TO INCLUDE THE LOSS OF {$1500.00} IN EARNEST MONEY WHEN WELLS FARGO FAILED TO CLOSE ON TIME. WELLS FARGO AGRESSIOUSLY HARM THE APPLICANT WITH FALSE <em>NARRATIVE</em> THAT TO DATE HAS COSTS THE APPLICANT OVER {$70000.00} IN REAL ESTATE TRANSACTIONS THAT MILLIIONS OF AMERICANS <em>HAVE</em> PROSPER FROM."]},"sort":[13.254446,"5298583"]},{"_index":"complaint-public-v1","_id":"14236881","_score":13.240305,"_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 dispute o <em>Narrative</em> : This mortgage account 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 dispute.\n\n2."]},"sort":[13.240305,"14236881"]},{"_index":"complaint-public-v1","_id":"5088416","_score":13.161662,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted XXXX in, XX/XX/XXXX to resolve, 5 credit reporting disputes. There were two collections companies that generated these complaints three were generated by the same collections company the remaining two by another. They were all in reference to medical bills that had been reviewed and previously paid by the insurance carrier I had at the time. Each were referenced to coverage in years, XXXX and XXXX. \n\nI had contacted the companies to verify findings for payments known to be true. After two episodes of research XXXX agreed that the billing was in error and in, XX/XX/XXXX these disputed narratives were successfully removed from my credit report. \n\nIn XXXX, XXXX I filed identical disputes relative to identical companies once again challenging the legality of credit reporting with, EQUIFAX. This collections company felt that there were no grounds to release these identical disputes from my credit report. By XX/XX/XXXX I had challenged the findings on three occasions only to be told that our decision is final and they have zero need to do follow-up with XXXX. \n\nAs with so many households in the United States this, 24 plus month raging global pandemic phenomenon has hit my family especially hard. I have attempted to continue to pay my bills on time and keep my ratio of debt to expenditures to a minimum often times electing to go without necessities vs a surprise bill that could easily decimate my meager savings! Therefore It is essential that these unfounded burdensome narratives be removed from my credit summaries. \n.","date_sent_to_company":"2022-01-10T08:52:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60505","tags":"Older American","has_narrative":true,"complaint_id":"5088416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-01-10T01:16:15.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["There were two collections companies that generated these <em>complaints</em> three were generated by the same collections company the remaining two by another. They were all in reference to medical bills that had <em>been</em> reviewed and previously paid by the insurance carrier I had at the time. Each were referenced to coverage in years, XXXX and XXXX. \n\nI had contacted the companies to verify findings for payments known to be true."]},"sort":[13.161662,"5088416"]},{"_index":"complaint-public-v1","_id":"18155060","_score":12.95947,"_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 account originally attributed to XXXX XXXX  with a balance of {$750.00} on my XXXX  credit file. Despite dispute, no competent evidence has <em>been</em> 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 )."]},"sort":[12.95947,"18155060"]},{"_index":"complaint-public-v1","_id":"19614306","_score":12.878712,"_source":{"product":"Credit card","complaint_what_happened":"Product : Credit card or loan Issue : Improper use of credit report / Misleading marketing practices Complaint Narrative : I am submitting this complaint regarding repeated loan and banking product solicitations from USAA that resulted in hard credit inquiries and subsequent denials. \n\nUSAA has consistently marketed loan and banking products to me, encouraging me to apply. Based on the frequency and nature of these solicitations, I reasonably believed I met the basic prequalification criteria. \n\nAfter applying in response to these offers, I was denied. In multiple instances, hard inquiries were placed on my credit report. These inquiries negatively impact my credit profile. \n\nI am concerned that USAAs marketing practices are misleading. Repeated targeted solicitations that result in denials after hard credit pulls create financial harm and erode consumer trust. If I did not meet underwriting standards, I should not have been aggressively solicited to apply.","date_sent_to_company":"2026-02-19T08:15:31.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"33612","tags":"Servicemember","has_narrative":true,"complaint_id":"19614306","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2026-02-19T08:00:22.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["If I did not meet underwriting standards, I should not <em>have</em> <em>been</em> aggressively solicited to 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