{"took":87,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":353,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4193863","_score":17.220358,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX XXXXXXXX XXXX  is fraudulently reporting a 20 plus year old account as if it is new. \n\nI disputed this account with XXXX XXXX  in XXXX and it is not valid. They sent it to collection in XXXX. I have had no communication with them since XXXX. In their response to my last dispute with Experian they falsely claimed that the account was current in XXXX at which point there was a late payment. Again this is a blatant lie I have had no communication with them since XXXX. In fact this item naturally expired from my Experian report in XXXX or XXXX to the best of my recollection. \n\nI have made repeated calls to Experian and they refuse to correct this. They are accepting the lie told to them by XXXXXXXX XXXX and telling me that I HAVE TO PROVIDE PROOF. As I said my last communication with XXXXXXXX XXXX was more than 25 year ago! Obviously I don't have those records any longer. \n\nAlso : In my last dispute of Experian to the CFPB ( XXXX ) Experian replied thusly : \" This complaint meets the criteria of a credit repair organization ; it either has the same email address for multiple consumers, the same naming convention or similar narrative in the attachments or it has the same and/or similar narrative as 20 plus other complaints within a 45 day period. '' Here Experian is deliberately misleading the CFPB. I am not a credit repair organization. I am XXXX XXXX XXXX, an individual consumer. I am using a single email address, XXXX. This is my personal email address. As far as their claim of a similar narrative, well that seems like an admission of guilt to me. Perhaps they should start obeying the law and ignoring similar complaints.","date_sent_to_company":"2021-03-08T19:58:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92078","tags":null,"has_narrative":true,"complaint_id":"4193863","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-03-08T19:35:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Also : In my last <em>dispute</em> of Experian to the CFPB ( <em>XXXX</em> ) Experian replied thusly : \" This <em>complaint</em> meets the criteria of a credit repair organization ; it either has the same email address for multiple consumers, the same naming convention or similar <em>narrative</em> in the attachments or it has the same and/or similar <em>narrative</em> as 20 plus other <em>complaints</em> within a 45 day period. '' Here Experian is deliberately misleading the CFPB. I am not a credit repair organization."]},"sort":[17.220358,"4193863"]},{"_index":"complaint-public-v1","_id":"19901962","_score":15.736548,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint concerns CNACs failure to conduct a reasonable investigation and substantiate the accuracy of a repossession deficiency balance that it continues to report. \nI previously filed CFPB complaint number XXXX disputing the alleged deficiency balance arising from a voluntary repossession in 2023. In response, CNAC provided a narrative summary stating that notices were sent, the vehicle was sold at auction, and a deficiency balance of {$8800.00} remained. \nHowever, CNAC did not provide any of the documentation necessary to verify the accuracy or enforceability of the alleged balance. \nSpecifically, CNAC failed to provide : Copies of any post-repossession notices ( including notice of intent to sell or notice of sale ) Proof of mailing or the address used for such notices Auction or sale documentation showing the date of sale, method of sale, or sale price A deficiency balance worksheet itemizing how the {$8800.00} figure was calculated A complete payment history Documentation establishing that the sale was conducted in a commercially reasonable manner A narrative explanation does not constitute competent documentation sufficient to verify the accuracy of a reported deficiency balance. Without proof of proper notice and a commercially reasonable sale, the alleged deficiency may be unenforceable.\n\nDespite failing to provide documentation supporting its reporting, CNAC continues to furnish this account as accurate to consumer reporting agencies.\n\nUnder the Fair Credit Reporting Act, furnishers are required to conduct a reasonable investigation of disputed information before verifying its accuracy. Simply restating internal records without producing supporting documentation does not constitute a reasonable investigation.\n\nI continue to dispute the accuracy and enforceability of this alleged deficiency balance.","date_sent_to_company":"2026-03-02T18:59:29.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"43054","tags":"Servicemember","has_narrative":true,"complaint_id":"19901962","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Byrider Franchising, LLC","date_received":"2026-03-02T18:51:03.000Z","state":"OH","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["This <em>complaint</em> concerns CNACs failure to conduct a reasonable investigation and substantiate the accuracy of a repossession deficiency balance that it continues to report. \nI previously filed CFPB <em>complaint</em> number <em>XXXX</em> <em>disputing</em> the alleged deficiency balance arising from a voluntary repossession in 2023. In response, CNAC provided a <em>narrative</em> summary stating that notices were <em>sent</em>, the vehicle was sold at auction, and a deficiency balance of {$8800.00} remained."]},"sort":[15.736548,"19901962"]},{"_index":"complaint-public-v1","_id":"2737729","_score":15.349439,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent in a complaint to XXXX and Experian credit reporting companies well over a month ago with a copy of my Identity theft police report, FCRA 605 B, my ID NYS Drivers Lic. utility bill, and a narrative of what was fraudulent on my report circled and spelled out what had happened and I want the items blocked from my report immediately, and that was well more then a month ago, as I sent them certified and they were returned to me XXXX XXXX and it is XXXX XXXX and just got a letter from XXXX XXXX that they need my id as they cant find my file, that is a lie they are stalling to correct my file and I want my file corrected now as I was a victim of id theft. I sent them all necessary paperwork and they are not following the regulations set forth by FCRA 605B that they are to block all info within 4 days or receiving dispute and they have dispute well over a month. I demand that my file is corrected immediately as XXXX and Experian was directed and FCRA 605 B states within 4 days ....","date_sent_to_company":"2017-11-25T17:31:36.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"103XX","tags":null,"has_narrative":true,"complaint_id":"2737729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-11-25T17:31:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I <em>sent</em> in a <em>complaint</em> to <em>XXXX</em> and Experian credit reporting companies well over a month ago with a copy of my Identity theft police report, FCRA 605 B, my ID NYS Drivers Lic. utility bill, and a <em>narrative</em> of what was fraudulent on my report circled and spelled out what had happened and I want the items blocked from my report immediately, and that was well more then a month ago, as I <em>sent</em> them certified and they were returned to me <em>XXXX</em> <em>XXXX</em> and it is <em>XXXX</em> <em>XXXX</em> and just got a letter from <em>XXXX</em> <em>XXXX</em>"]},"sort":[15.349439,"2737729"]},{"_index":"complaint-public-v1","_id":"12314320","_score":15.145713,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : TransUnion Failure to Provide Dispute Results Sent Credit Report Instead Complaint Narrative : On XX/XX/scrub>/2025, I submitted a dispute to TransUnion regarding inaccurate and duplicate accounts on my credit report. Rather than conducting a proper reinvestigation and providing a formal response with dispute results, TransUnion sent me a generic credit report on XX/XX/XXXX, 2025without addressing my dispute or explaining whether the accounts were verified or deleted. \n\nThis response violates FCRA 611 ( a ) ( 6 ), which mandates that credit reporting agencies must send a written notice of the results of their investigation, including whether the disputed information was corrected, deleted, or remains unchanged. By sending only a credit report, TransUnion failed to comply with these requirements, and as a result, the disputed items remain on my credit report, continuing to cause me harm.\n\nThe continued presence of these inaccurate accounts has negatively impacted my credit score, resulting in credit denials and higher interest rates for financial products. This has also caused significant XXXXXXXX and emotional burden.","date_sent_to_company":"2025-03-04T19:50:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"610XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12314320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-04T19:40:53.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : TransUnion Failure to Provide <em>Dispute</em> Results <em>Sent</em> Credit Report Instead <em>Complaint</em> <em>Narrative</em> : On XX/XX/scrub>/2025, I submitted a <em>dispute</em> to TransUnion regarding inaccurate and duplicate accounts on my credit report. Rather than conducting a proper reinvestigation and providing a formal response with <em>dispute</em> results, TransUnion <em>sent</em> me a generic credit report on XX/XX/<em>XXXX</em>, 2025without addressing my <em>dispute</em> or explaining whether the accounts were verified or deleted."]},"sort":[15.145713,"12314320"]},{"_index":"complaint-public-v1","_id":"12901089","_score":15.077718,"_source":{"product":"Credit card","complaint_what_happened":"Company Name : Capital One Issue : Incorrect Name on credit report Sub-issue : Account information is inaccurate Consumer Complaint Narrative : I am filing a complaint against Capital One regarding an account reported on my credit file with incorrect personal and account information. \n\nCapital One sent me a letter ( dated XXXX XXXX XXXX ) in response to my debt verification request. In that letter, they : Misspelled my name ( incorrectly spelled XXXX XXXX ) Referenced an incorrect account number ( account number ending in XXXX ) Sent mail to my current address, which I never provided to them until I disputed the debt These inaccuracies confirm that this account is not mine and was reported erroneously. I have already disputed this with XXXX, XXXX, and XXXX and provided supporting documentation. \n\nBecause Capital One has failed to provide verifiable, accurate information and confirmed an error in their response, I am requesting that the CFPB instruct them to delete this account from all credit reporting agencies immediately under the FCRA On documents given was my license, ssn, utility bill, bank statement, and debt verification letter.","date_sent_to_company":"2025-04-09T20:02:49.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"77053","tags":null,"has_narrative":true,"complaint_id":"12901089","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-04-09T19:30:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Company Name : Capital One Issue : Incorrect Name on credit report Sub-issue : Account information is inaccurate Consumer <em>Complaint</em> <em>Narrative</em> : I am filing a <em>complaint</em> against Capital One regarding an account reported on my credit file with incorrect personal and account information. \n\nCapital One <em>sent</em> me a letter ( dated <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) in response to my debt verification request."]},"sort":[15.077718,"12901089"]},{"_index":"complaint-public-v1","_id":"2737721","_score":15.039198,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent in a complaint to Transunion and XXXX credit reporting companies well over a month ago with a copy of my Identity theft police report, FCRA 605 B, my ID NYS Drivers Lic. utility bill, and a narrative of what was fraudulent on my report circled and spelled out what had happened and I want the items blocked from my report immediately, and that was well more then a month ago, as I sent them certified and they were returned to me XX/XX/XXXX and it is XX/XX/XXXX and just got a letter from transunion XX/XX/XXXX that they need my id as they cant find my file, that is a lie they are stalling to correct my file and I want my file corrected now as I was a victim of id theft. I sent them all necessary paperwork and they are not following the regulations set forth by FCRA 605B that they are to block all info within 4 days or receiving dispute and they have dispute well over a month. I demand that my file is corrected immediately as Transunion and XXXX was directed and FCRA 605 B states within 4 days ....","date_sent_to_company":"2017-11-25T17:31:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"103XX","tags":null,"has_narrative":true,"complaint_id":"2737721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-11-25T17:10:06.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I <em>sent</em> in a <em>complaint</em> to Transunion and <em>XXXX</em> credit reporting companies well over a month ago with a copy of my Identity theft police report, FCRA 605 B, my ID NYS Drivers Lic. utility bill, and a <em>narrative</em> of what was fraudulent on my report circled and spelled out what had happened and I want the items blocked from my report immediately, and that was well more then a month ago, as I <em>sent</em> them certified and they were returned to me XX/XX/<em>XXXX</em> and it is XX/XX/<em>XXXX</em> and just got a letter from transunion"]},"sort":[15.039198,"2737721"]},{"_index":"complaint-public-v1","_id":"6185915","_score":14.640987,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Hello XXXX XXXX here, this complaint is regarding a dispute filed against XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nI filed a dispute through Care Credit/Synchrony Bank regarding XXXX XXXX XXXX  not satisfied. \n\nI call XXXX XXXX XXXX two weeks after service done on XX/XX/XXXX that my XXXX  were not XXXX as promised they would be. I left several messages and I received no response, and so I filed a complaint with Care Credit on XX/XX/2022. \n\nI received several text 's and call 's from XXXX XXXX in XXXX, and when I called her back thinking that they were willing to work with me, instead it was a threat to call off the complaint or they will get there lawyer on me. \n\nThe final decision was granted in there favor foXXXX XXXX XXXX XXXX XXXX. I was sent an email with a XXXX  file that I and Care Credit support help was not able to open file. \n\nI was told that they would send it out by mail due to unable to discuss over the phone. I have been calling Care Credit for over three months now, and I still have not received letter of narrative describing why my complaint was denied and giving in the favor of XXXX XXXX XXXX XXXX.","date_sent_to_company":"2022-11-09T17:47:46.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"17111","tags":null,"has_narrative":true,"complaint_id":"6185915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-11-09T17:01:02.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I have been calling Care Credit for over three months now, and I still have not received letter of <em>narrative</em> describing why my <em>complaint</em> was denied and giving in the favor of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>."]},"sort":[14.640987,"6185915"]},{"_index":"complaint-public-v1","_id":"17775840","_score":14.554842,"_source":{"product":"Debt collection","complaint_what_happened":"This is the most critical section of the complaint. You need to present a clear, factual, and legally focused narrative that incorporates all the dates and laws we've discussed, demonstrating that the company 's own timeline proves their failure. \n\nHere is a structured narrative you can use. Remember to replace the bracketed placeholders with the correct dates and the property name : CFPB Complaint Narrative : Improper Debt Collection and VRLTA Violation I am filing this complaint against XXXX XXXX Apartments ( managed by XXXX XXXX XXXX and the collection agency ( Sentry Credit , Inc. ) for improper collection activity resulting in unauthorized damage to my credit file. \n\nI demand the immediate recall and deletion of the collection account and the waiver of the alleged {$240.00} balance. \n\nTimeline of Events and Legal Violations : Move-Out and Legal Deadline : I vacated the apartment unit on XX/XX/XXXX. Under the Virginia Residential Landlord and Tenant Act ( VRLTA ), the creditor was legally required to send the final, itemized move-out statement and disposition of the security deposit within 45 days ( by mid-January 2025 ). The creditor failed to provide this legally mandated notice at any time. \n\nImproper Collection Initiation : Despite failing to send the required notice, the creditor forwarded the alleged debt of {$240.00} to a collection agency. The collection account was opened on my credit report on XX/XX/XXXX. This collection was initiated without due notice and well after the VRLTA XXXXday deadline had passed. \n\nAttempts to Obtain Notice : I repeatedly attempted to obtain the final ledger from the leasing office via phone and in-person visits for several months following my move-out, but the documentation was never provided. I did not know the balance existed until I checked my credit report in XX/XX/XXXX. \n\nCreditor 's Admission of Error : Upon disputing this collection, the Regional Property Manager, XXXX XXXX, responded via email on Today 's Date : XX/XX/XXXX. In this response, she claimed the final account statement was sent on XX/XX/XXXX, and XX/XX/XXXX. \n\nProof of Procedural Failure : The creditor 's own timeline confirms their misconduct : The collection was reported in XX/XX/XXXX. \n\nThe claimed first notice was sent five months later in XX/XX/XXXX. \n\nIt is illegal to place a debt into collections and damage a consumer 's credit file before providing the legally required notification. \n\nRequested Resolution : Due to the proven failure to comply with the VRLTA ( 45-day rule ) and the improper practice of reporting a debt to collections months before claiming to send a final notice, I demand the creditor immediately waive the {$240.00} debt and recall the collection from Sentry Credit , Inc. and delete it from all credit reports. I require written confirmation of this action to clear my record and allow me to secure housing.","date_sent_to_company":"2025-11-21T23:06:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"23832","tags":null,"has_narrative":true,"complaint_id":"17775840","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TrueAccord Corp.","date_received":"2025-11-21T22:44:17.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Creditor 's Admission of Error : Upon <em>disputing</em> this collection, the Regional Property Manager, <em>XXXX</em> <em>XXXX</em>, responded via email on Today 's Date : XX/XX/<em>XXXX</em>. In this response, she claimed the final account statement was <em>sent</em> on XX/XX/<em>XXXX</em>, and XX/XX/<em>XXXX</em>. \n\nProof of Procedural Failure : The creditor 's own timeline confirms their misconduct : The collection was reported in XX/XX/<em>XXXX</em>. \n\nThe claimed first notice was <em>sent</em> five months later in XX/XX/<em>XXXX</em>."]},"sort":[14.554842,"17775840"]},{"_index":"complaint-public-v1","_id":"19545393","_score":14.551466,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : REPEAT OFFENDER - Non-Response XXXX  Complaint # XXXX & Continued FCRA Violations Company : Rent Recovery Solutions, LLC Narrative : I am filing this secondary complaint because Rent Recovery Solutions ( RRS ) has failed to respond XXXX  my previous CFPB complaint ( Case ID : XXXX ) filed on XX/XX/XXXX. That complaint was sent XXXX  the company on XX/XX/XXXX, XXXX  the status remains \" XXXX has not responded '' as of XX/XX/XXXX. \n\nDespite ignoring the CFPB 's inquiry XXXX  failing XXXX  validate the debt as required by FDCPA XXXX ( b ), RRS continues to furnish negative information to XXXX. This constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) : Violation of FCRA XXXX ( b ) : The company failed to conduct a reasonable investigation into my dispute. Ignoring a CFPB complaint is the definition of failing XXXX  investigate. \n\nViolation of FCRA XXXX ( a ) ( XXXX ) ( A ) : The company is furnishing information it knows or has reasonable cause XXXX  believe is inaccurate. \n\nViolation of FDCPA XXXX ( b ) : Continued collection activity ( via credit reporting ) on a disputed debt that was never properly validated ( specifically regarding the disputed carpet charges and security deposit accounting ).","date_sent_to_company":"2026-02-17T02:45:15.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"19545393","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Rent Recovery Solutions","date_received":"2026-02-17T02:29:36.000Z","state":"NJ","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Subject : REPEAT OFFENDER - Non-Response <em>XXXX</em>  <em>Complaint</em> # <em>XXXX</em> & Continued FCRA Violations Company : Rent Recovery Solutions, LLC <em>Narrative</em> : I am filing this secondary <em>complaint</em> because Rent Recovery Solutions ( RRS ) has failed to respond <em>XXXX</em>  my previous CFPB <em>complaint</em> ( Case ID : <em>XXXX</em> ) filed on XX/XX/<em>XXXX</em>. That <em>complaint</em> was <em>sent</em> <em>XXXX</em>  the company on XX/XX/<em>XXXX</em>, <em>XXXX</em>  the status remains \" <em>XXXX</em> has not responded '' as of XX/XX/<em>XXXX</em>."]},"sort":[14.551466,"19545393"]},{"_index":"complaint-public-v1","_id":"16784238","_score":14.485418,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXCFPB COMPLAINT  TransUnion NarrativeXXXXOverview of the IssuXXXXI submitted a written dispute to TransUnion LLC on XXXX XXXX XXXX, regarding inaccurate and unverifiable information appearing on my credit report. The dispute was sent via certified mail (XXXX XXXX XXXX XXXX XXXX XXXX XXXX) and was delivered on XXXX XXXX XXXX signed for by TransUnions agent XXXX XXXXMy dispute included full proof of identity and address  a copy of my U.S. Passport and a utility bill  in compliance with 15 U.S.C.  1681h(a)(1XXXXDespite this, TransUnion responded on XXXX XXXX XXXX, claiming, We recently received a request involving your credit information. However, it didnt appear to come from you or someone you authorized. This statement is demonstrably false.XXXXTransUnion failed to conduct a reasonable reinvestigation as required by 15 U.S.C.  1681i(a) and did not ensure maximum possible accuracy under  1681e(b). The same inaccurate and unverifiable tradelines remain on my report, and TransUnion provided no documentation or evidence to support their continued reporting.'","date_sent_to_company":"2025-10-23T15:02:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33825","tags":"Older American","has_narrative":true,"complaint_id":"16784238","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-23T14:41:18.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXXCFPB <em>COMPLAINT</em>  TransUnion <em>Narrative</em>XXXXOverview of the IssuXXXXI submitted a written <em>dispute</em> to TransUnion LLC on <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, regarding inaccurate and unverifiable information appearing on my credit report. The <em>dispute</em> was <em>sent</em> via certified mail (<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>) and was delivered on <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> signed for by TransUnions agent <em>XXXX</em> XXXXMy <em>dispute</em> included full proof of identity and address  a copy of my U.S."]},"sort":[14.485418,"16784238"]},{"_index":"complaint-public-v1","_id":"17505793","_score":14.4403715,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX said : Absolutely heres your complete, polished narrative for the new CFPB complaint, ready to paste into the Describe what happened field. \nIt references the prior case, integrates all the new evidence, and reads like a professional submission. \n\nCFPB Complaint Narrative ( Final Version ) This complaint supplements CFPB Case XXXX XXXXXXXX, which was closed on XX/XX/year>. New evidence shows that Rossi Law Offices continued collection activity after receiving my written dispute and after being notified that the alleged debtor was deceased. \n\nOn XX/XX/year>, I sent a written dispute and validation request under 15 U.S.C. 1692g ( b ) regarding a XXXX motor vehicle tax XXXX  claimed I owed. On XX/XX/XXXX, they responded only with a generic tax bill from the XXXX of XXXX identifying information, signature, or proof of my liability. The bill clearly fails to prove that I owed the debt. \n\nOn XX/XX/XXXX, I emailed XXXX stating the debt belonged to my late mother, who shared my name. Despite this notice, XXXX printed and mailed a new collection letter dated XX/XX/XXXX, which I received on XX/XX/XXXX ( confirmed by XXXX delivery record ). They admit they opened my XX/XX/XXXX email before printing the XX/XX/XXXX letter, meaning they knowingly continued collection activity after being told the debtor was deceased and the debt was disputed. \n\nThis violates 1692g ( b ) ( continued collection after dispute without validation ), 1692e ( 2 ) ( A ) and ( 10 ) ( false and misleading representation of a debt ), and 1692f ( unfair collection practice ). They also repeatedly misspelled my name ( XXXX, XXXX XXXX, showing negligent record handling and a pattern of mistaken identity. \n\nI request that the CFPB : Investigate Rossi Law for continuing collection after dispute and failing to validate the debt. \n\nRequire XXXX to confirm in writing that my information has been permanently removed from this account and that no reporting to credit bureaus will occur. \n\nNote that this case involves a pattern of identity errors by the City of XXXX XXXX Collector ( a separate complaint will be filed with the CT Attorney General ). \n\nAttachments : XX/XX/XXXX dispute letter, XXXX tax bill response, XX/XX/XXXX email to XXXX, XX/XX/XXXX letter, and XXXX proof of XX/XX/XXXX delivery. \n\nRespectfully, XXXX XXXX XXXX XXXX, CT XXXX","date_sent_to_company":"2025-11-26T02:16:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"06405","tags":null,"has_narrative":true,"complaint_id":"17505793","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rossi Law Offices, Ltd","date_received":"2025-11-26T02:04:04.000Z","state":"CT","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>XXXX</em> said : Absolutely heres your complete, polished <em>narrative</em> for the new CFPB <em>complaint</em>, ready to paste into the Describe what happened field. \nIt references the prior case, integrates all the new evidence, and reads like a professional submission. \n\nCFPB <em>Complaint</em> <em>Narrative</em> ( Final Version ) This <em>complaint</em> supplements CFPB Case <em>XXXX</em> XXXXXXXX, which was closed on XX/XX/year>."]},"sort":[14.4403715,"17505793"]},{"_index":"complaint-public-v1","_id":"14021823","_score":14.287734,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative Receivables Management Systems Collection Date : XX/XX/XXXX To Whom It May Concern, I am filing a formal complaint regarding a collection account reported by Receivables Management Systems ( XXXX  ) on behalf of Apparent Insurance, which appears on my XXXX  credit report. The balance of this account is {$100.00} and it allegedly stems from a policy I properly canceled in XXXX. At the time, I submitted a 30-day cancellation notice via Apparents customer service chat system, and the representative confirmed that my cancellation was accepted and no further balance would be due. \nDespite this, XXXX has continued to report the account as unpaid to XXXX. I sent a written dispute via certified mail to XXXX XXXX and XXXX on XX/XX/XXXX, but neither company provided any validation of the debt. Furthermore, I disputed this item directly with XXXX, but the account remained unchanged without any documentation being presented to support its accuracy. XXXX  has now marked the item as 'verified, ' despite this unresolved conflict. \nI am requesting that the CFPB intervene to ensure that Receivables Management Systems either provides proper documentation of the alleged debt or removes the item from my credit report. As this is a small balance, nearly three years old, and related to a cancellation that was accepted by the insurance provider, it should not remain on my file if they can not validate its legitimacy. \nI am also attaching my XXXX  dispute results, timeline of communication, and XXXX certified mail receipt showing that my dispute was sent and received. \nThank you for your time and assistance. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-07-24T14:58:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77301","tags":null,"has_narrative":true,"complaint_id":"14021823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Io, Inc.","date_received":"2025-06-11T18:18:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am also attaching my <em>XXXX</em>  <em>dispute</em> results, timeline of communication, and <em>XXXX</em> certified mail receipt showing that my <em>dispute</em> was <em>sent</em> and received. \nThank you for your time and assistance. \n\nSincerely, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"]},"sort":[14.287734,"14021823"]},{"_index":"complaint-public-v1","_id":"21882285","_score":14.259538,"_source":{"product":"Credit card","complaint_what_happened":"This is the main narrative box no personal info. Paste this : I filed a credit card dispute ( Case # XXXX ) against XXXX for an unauthorized {$190.00} charge on XX/XX/XXXX. I submitted comprehensive evidence to XXXX documenting four months of email cancellation attempts beginning XX/XX/XXXX, including XXXX own responses, a pre-billing warning sent XX/XX/XXXX, and XXXX failure to respond before charging me. \nXXXX ruled in XXXX favor based on their chargeback response, which contains a materially false statement : The customer made no attempt to contact us to cancel their services. This is directly contradicted by my email record already in XXXX  file and by XXXX own Terms of Service, which expressly permit email cancellation to XXXX. \nXXXX failed to weigh documented evidence against the merchants false claim. The ruling is unsupported by the record. I have submitted a formal rebuttal to XXXX  portal and also filed FTC Report # XXXX and a Texas AG complaint against XXXX  for deceptive trade practices and submission of false statements in a financial dispute proceeding.","date_sent_to_company":"2026-05-05T07:42:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"37064","tags":null,"has_narrative":true,"complaint_id":"21882285","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-05-05T07:31:05.000Z","state":"TN","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["This is the main <em>narrative</em> box no personal info. Paste this : I filed a credit card <em>dispute</em> ( Case # <em>XXXX</em> ) against <em>XXXX</em> for an unauthorized {$190.00} charge on XX/XX/<em>XXXX</em>. I submitted comprehensive evidence to <em>XXXX</em> documenting four months of email cancellation attempts beginning XX/XX/<em>XXXX</em>, including <em>XXXX</em> own responses, a pre-billing warning <em>sent</em> XX/XX/<em>XXXX</em>, and <em>XXXX</em> failure to respond before charging me."]},"sort":[14.259538,"21882285"]},{"_index":"complaint-public-v1","_id":"17478295","_score":14.049698,"_source":{"product":"Debt collection","complaint_what_happened":"FAILURE TO PROVIDE VALIDATION!! \n\nAbsolute Resolutions is reporting two collection accounts in my name without providing legally required debt validation. Their prior response was only a written narrative summary, not actual validation. \n\nThey have repeatedly failed to provide : The original signed agreement A copy of any contract bearing my signature A full account history/transaction ledger A complete chain of title from XXXX XXXX  to ARI Proof that any notices were sent or received Any documentation linking me personally to these specific accounts This is not compliant with FDCPA 1692g ( b ) or FCRA 623 ( a ) ( 1 ) ( A ).\n\nThe company continues to report and verify these accounts with the credit bureaus despite not validating them. \n\nI am requesting CFPB assistance to force proper validation or require deletion of both accounts. \n\nAttachments include : Prior CFPB complaint Company response Credit report screenshots My dispute requests Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-11-24T16:39:52.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"19023","tags":null,"has_narrative":true,"complaint_id":"17478295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Absolute Resolutions Corp.","date_received":"2025-11-24T16:30:05.000Z","state":"PA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Attachments include : Prior CFPB <em>complaint</em> Company response Credit report screenshots My <em>dispute</em> requests Sincerely, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"]},"sort":[14.049698,"17478295"]},{"_index":"complaint-public-v1","_id":"18299227","_score":13.99459,"_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":["I am filing this <em>complaint</em> 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 <em>disputed</em> funds be refunded. \n\n<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, TX <em>XXXX</em> ( <em>XXXX</em> ) <em>XXXX</em>"]},"sort":[13.99459,"18299227"]},{"_index":"complaint-public-v1","_id":"16098716","_score":13.982569,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding systematic Fair Credit Reporting Act violations by Equifax that have caused significant financial harm through inaccurate credit reporting and inadequate dispute resolution. \n\nPERSONAL INFORMATION VIOLATIONS : My credit report incorrectly shows my address as \" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' and phone number as \" XXXX XXXX XXXX XXXX ''. My actual current address is XXXX XXXX XXXX XXXX XXXX XXXX  and phone number is ( XXXX XXXX XXXX. This violates FCRA Section 607 ( b ) requiring maximum possible accuracy. \n\nCOLLECTION ACCOUNT VIOLATIONS : XXXX collection accounts continue reporting negatively despite showing dispute notations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} ) all show \" Consumer Disputes This Account Information '' ( Narrative Code XXXX ) but continue negative reporting without proper validation. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} ) show \" Consumer Disputes After Resolution '' ( Narrative Code XXXX ) indicating disputes were resolved in my favor, yet accounts continue reporting negatively. \n\nDISPUTE HISTORY : I filed formal disputes with Equifax on : - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( sent via certified mail ) Despite XXXX separate dispute attempts over more than a year, Equifax has : - Failed to conduct reasonable reinvestigation as required by FCRA Section 611 ( a ) ( XXXX ) - Continued reporting disputed accounts without proper validation - Failed to provide requested method of verification documentation - Ignored specific legal violations cited in my disputes FINANCIAL HARM : These violations have artificially suppressed my credit score and caused increased borrowing costs, denied credit opportunities, and significant time and expense attempting to resolve these issues. \n\nThe pattern of violations demonstrates systematic non-compliance with FCRA requirements and necessitates regulatory intervention to ensure proper dispute handling and accurate credit reporting.","date_sent_to_company":"2025-09-23T06:33:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75248","tags":null,"has_narrative":true,"complaint_id":"16098716","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-23T05:45:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> {$2800.00} ) show \" Consumer <em>Disputes</em> After Resolution '' ( <em>Narrative</em> Code <em>XXXX</em> ) indicating <em>disputes</em> were resolved in my favor, yet accounts continue reporting negatively."]},"sort":[13.982569,"16098716"]},{"_index":"complaint-public-v1","_id":"6042938","_score":13.938853,"_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 account 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 have this <em>narrative</em> removed from your credit report, call or write to us at the Office of the Customer Advocate, po box <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> PA, <em>XXXX</em>."]},"sort":[13.938853,"6042938"]},{"_index":"complaint-public-v1","_id":"18523332","_score":13.846153,"_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":["XX/XX/<em>XXXX</em> <em>Complaint</em> regarding post-closure misconduct, including tradeline disappearance, contradictory explanations, and retroactive <em>narrative</em> changes. \n\nEach <em>complaint</em> arose from new conduct. None were restatements of earlier grievances. \n\n<em>XXXX</em>."]},"sort":[13.846153,"18523332"]},{"_index":"complaint-public-v1","_id":"18910531","_score":13.733749,"_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":["CFPB <em>COMPLAINT</em> BANK OF AMERICA ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  ) <em>Complaint</em> <em>narrative</em> ( copy/paste for CFPB portal ) I am filing a comprehensive <em>complaint</em> 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 <em>dispute</em>, not providing provisional credit in timely manner ; ( 3 ) ongoing account fee charging and harmful account treatment while a <em>dispute</em>"]},"sort":[13.733749,"18910531"]},{"_index":"complaint-public-v1","_id":"15448808","_score":13.70755,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint Against Transworld Systems Inc.\n\nCompany : Transworld Systems Inc. \nAddress : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX Complaint Narrative : I am filing this complaint against Transworld Systems Inc. for repeated violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), as well as the XXXX Consumer Credit Reporting Act ( 5-18-110 ).\n\nFor more than two years, I have disputed an alleged account reported by Transworld Systems Inc. ( Reference XXXX XXXX XXXXXXXX, originally XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXXXXXX, Balance : {$620.00} ). Despite my repeated certified validation requests, Transworld has failed to provide any legally sufficient proof that I am the responsible party for this account. \n\nOn XX/XX/year>, Transworld received my most recent validation request via certified mail ( USPS Receipt XXXX XXXXXXXX ). In response, Transworld sent me the same generic billing statement that they have previously sent. A billing summary is not proper validation under the FDCPA or FCRA. Verification must include actual documentation such as the original signed contract, account application, or complete chain of title.\n\nDespite their failure to verify, Transworld continues to furnish this account to XXXX XXXX XXXX XXXX  on a monthly basis, causing ongoing harm to my credit score and financial opportunities.","date_sent_to_company":"2025-08-22T19:57:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"80249","tags":null,"has_narrative":true,"complaint_id":"15448808","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-08-22T19:46:28.000Z","state":"CO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Against Transworld Systems Inc.\n\nCompany : Transworld Systems Inc. \nAddress : XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  PA <em>XXXX</em> <em>Complaint</em> <em>Narrative</em> : I am filing this <em>complaint</em> against Transworld Systems Inc. for repeated violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), as well as the <em>XXXX</em> Consumer Credit Reporting Act ( 5-18-110 )."]},"sort":[13.70755,"15448808"]},{"_index":"complaint-public-v1","_id":"2571046","_score":13.695635,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"YOUR COMPLAINT This is my 3rd and final letter, to which I have created a paper trail with  signatures proof you have received these letters. <P/>( Letters 1-2 as follows : I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XX/XX/XXXX, that together with your assurance that you will except payment in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans. ) ATTACHMENTS XXXX View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. <P/>Their response should include the steps they took, or will take, to address your complaint. <P/>You should receive an update from the company within the next 15 days, and a final response within 60 days. <P/>Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. After a review of your account, we confirmed that you have four Private Signature Select Loans that are currently in default. As of XX/XX/XXXX, the total balance for the loans is {$52000.00}. A private loan is unsubsidized, which means that you are responsible for the interest at all times, beginning on the date the loan is disbursed. Interest that remains unpaid during the time the loan is in School, Grace, and Forbearance status is capitalized ( added to the principal balance ). This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans. Our records reflect that your Private Signature Select Loans defaulted due to non-payment in XX/XX/XXXX. We have requested the assistance in collecting the debt from an outside agency. We are pleased to share that you are eligible for the Reduced Interest Rate Program for the loans. With this program, your monthly payment would be {$250.00}. Once the third qualifying monthly payment posts to your account, the interest rate will be reduced to 0.001 percent and will remain at that rate as long as you continue making the required payments each month. Please understand that the loans will continue to be reported to the consumer reporting agencies as charged off until they are paid in full, at which time, the loans will report as account paid in full, was a charge off. If you are interested in learning more about this option, please contact XXXX XXXX XXXX at XXXX. The Fair Credit Reporting Act requires lenders and servicers, such as XXXX, who report information to the consumer reporting agencies to do so with accuracy. We reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. Given the requirements of this law, XXXX can not honor your request for removal of accurate reporting. The Fair Credit Reporting Act requires lenders and servicers, such as XXXX, who report information to the consumer reporting agencies to do so with accuracy. We have reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. We have updated your credit report to reflect your disputed loans as follows : Completed investigation of FCRA dispute consumer disagrees. This narrative will be reflected on your credit report for each loan you included in your dispute and will be included with our next update to the Consumer Reporting Agencies. If you wish to have this narrative removed from your credit report, please write to us at XXXX. XXXX XXXX, XXXX, PA XXXX. Please include your name, address, account/loan numbers, and indicate that you wish to have the dispute narrative removed from your credit report. Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback In the company response they stated that ( \" This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans '' ) As i have no record of this information being sent to my home so once again im asking. So i ask the CFPB to honor my request that the company in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans. ( AND TE COMPANY DID NOT PROVIDE THIS ALL HEY PROVIDED WAS A FALSE CLAIM SAYING THEY SENT THIS TO MY HOME WHERE IS THEIR PROOF AND OR SIGNATURES OF THESE LOANS ) Their are so many errors on so many moving parts. I have created the proper paper trail and I have yet to recieve the information i requested to settle this debt if validated ... I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XX/XX/XXXX, that together with your assurance that you will except payment What happens now? <P/>The complaint process is complete and your complaint is now closed. <P/>We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from other consumers, helps us make decisions about which issues and companies to investigate. If we take public legal action against the company that involves the issue you complained about, we will let you know. You can see public legal actions on our website. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on that process. Both are important to us and consumers who may have similar issues and concerns. <P/>Closed The CFPB has closed your complaint.","date_sent_to_company":"2017-07-11T18:55:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"2571046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-11T18:55:41.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This <em>narrative</em> will be reflected on your credit report for each loan you included in your <em>dispute</em> and will be included with our next update to the Consumer Reporting Agencies. If you wish to have this <em>narrative</em> removed from your credit report, please write to us at <em>XXXX</em>. <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, PA <em>XXXX</em>. Please include your name, address, account/loan numbers, and indicate that you wish to have the <em>dispute</em> <em>narrative</em> removed from your credit report."]},"sort":[13.695635,"2571046"]},{"_index":"complaint-public-v1","_id":"8350626","_score":13.673991,"_source":{"product":"Credit card","complaint_what_happened":"I placed a dispute with Citibank about a charge where services were not provided and/or were not up to the standard expected on XX/XX/year> via the phone. The service in question was rendered on XX/XX/year>. I received a request on XX/XX/year> for more information, and was given a deadline of XX/XX/year> to provide the information. The information was provided on XX/XX/year> with confirmation of receipt on XX/XX/year>. The decision was rendered within XXXX hours of the receipt of the additional information. I attempted to contact CitiBank this evening, XX/XX/year>, to establish the reason for the rejection of the dispute, but all I got was an automated message in the phone system that the dispute was closed and that the details of the ruling would be sent via mail within the next XXXX hours. I couldn't appeal the decision. \n\nI am filing a complaint because it was rendered in such a time that it was impossible to contact the merchant as it was after business hours, which leads me to believe the decision was already pre-determined at that time. I provided all details of correspondence and pictures of the defective services/products in a narrative document that I was asked to give to CitiBank. There should have been more than enough evidence to get my dispute resolved in my favor, as the advertising was clearly deceptive and I was not provide the product that I paid for nor expected.","date_sent_to_company":"2024-02-16T04:29:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"8350626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-02-16T04:06:55.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The decision was rendered within <em>XXXX</em> hours of the receipt of the additional information. I attempted to contact CitiBank this evening, XX/XX/year>, to establish the reason for the rejection of the <em>dispute</em>, but all I got was an automated message in the phone system that the <em>dispute</em> was closed and that the details of the ruling would be <em>sent</em> via mail within the next <em>XXXX</em> hours. I couldn't appeal the decision."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.673991,"8350626"]},{"_index":"complaint-public-v1","_id":"13100207","_score":13.646048,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Narrative : I am filing a complaint regarding Citibanks mishandling of a dispute I filed concerning a {$500.00} charge from XXXX, dated XX/XX/XXXX. I submitted this dispute well within the allowed timeframe, and Citi initially accepted the case and assigned dispute number XXXX. \n\nDespite my timely submission and full cooperation, Citi has now denied the dispute based on the claim that too much time has passed even though the delay was due to their own extended investigation process. They previously requested additional documentation, which I provided both electronically and via USPS. \nI also sent a follow-up email on XX/XX/XXXX, to ensure receipt of all documents, and received letters from Citi dated XX/XX/XXXX and XX/XX/XXXX, asking for more information indicating the case was still active. \n\nFurthermore, Citi issued conflicting messages : one notice said the case was closed due to the age of the charge, while another said the case was still under investigation and requested more information. \n\nI acted in good faith, provided all requested materials, and received no resolution. The failure to properly handle the dispute, paired with mixed communications and an arbitrary denial based on timing, is unacceptable. \n\nIn addition, the merchant ( XXXX ) and the airline ( XXXX ) each deflected responsibility. XXXX told me that any refund for unused taxes would need to be requested through XXXX XXXX however, refused to facilitate the cancellation or tax refund, despite the ticket being unused and my efforts to resolve this before the travel date.","date_sent_to_company":"2025-04-21T22:44:39.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"019XX","tags":null,"has_narrative":true,"complaint_id":"13100207","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-04-21T22:16:28.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> : I am filing a <em>complaint</em> regarding Citibanks mishandling of a <em>dispute</em> I filed concerning a {$500.00} charge from <em>XXXX</em>, dated XX/XX/<em>XXXX</em>. I submitted this <em>dispute</em> well within the allowed timeframe, and Citi initially accepted the case and assigned <em>dispute</em> number <em>XXXX</em>. \n\nDespite my timely submission and full cooperation, Citi has now denied the <em>dispute</em> based on the claim that too much time has passed even though the delay was due to their own extended investigation process."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.646048,"13100207"]},{"_index":"complaint-public-v1","_id":"2571112","_score":13.6438055,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"YOUR COMPLAINT This is my 3rd and final letter, to which I have created  a paper trail  with signatures proof you have received these letters.  <P/> ( Letters  1-2  as follows : I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of    XXXX   XXXX   2017 , that together with your assurance that you will except payment in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans. ) ATTACHMENTS  XXXX  View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX  We 've sent your complaint to the company, and we will let you know when they respond.  <P/> Their response should include the steps they took, or will take, to address your complaint.  <P/> You should receive an update from the company within the next 15 days, and a final response within 60 days.  <P/> Company responded STATUS Company responded on XX/XX/XXXX    RESPONSE TYPE Closed with explanation Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. After a review of your account, we confirmed that you have  four Private Signature Select  Loans that are currently in default. As of   XX/XX/XXXX  , the total balance for the loans is {$52000.00}. A private loan is unsubsidized, which means that you are responsible for the interest at all times, beginning on the date the loan is disbursed. Interest that remains unpaid during the time the loan is in School,  XXXX , and Forbearance status is capitalized ( added to the principal balance ). This information was provided in your  Promissory Notes.  Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans. Our records reflect that your  Private Signature Select  Loans defaulted due to non-payment in  XXXX  of  XXXX . We have requested the assistance in collecting the debt from an outside agency. We are pleased to share that you are eligible for the Reduced  Interest Rate Program  for the loans. With this program, your monthly payment would be {$250.00}. Once the third qualifying monthly payment posts to your account, the interest rate will be reduced to  0.001  percent and will remain at that rate as long as you continue making the required payments each month. Please understand that the loans will continue to be reported to the consumer reporting agencies as charged off until they are paid in full, at which time, the loans will report as account paid in full, was a charge off. If you are interested in learning more about this option, please contact  XXXX   XXXX   XXXX  at  XXXX . The Fair Credit Reporting Act requires lenders and servicers, such as  XXXX , who report information to the consumer reporting agencies to do so with accuracy. We reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. Given the requirements of this law,  XXXX  can not honor your request for removal of accurate reporting. The Fair Credit Reporting Act requires lenders and servicers, such as  XXXX , who report information to the consumer reporting agencies to do so with accuracy. We have reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. We have updated your credit report to reflect your disputed loans as follows : Completed investigation of FCRA dispute consumer disagrees. This narrative will be reflected on your credit report for each loan you included in your dispute and will be included with our next update to the  Consumer Reporting  Agencies. If you wish to have this narrative removed from your credit report, please write to us at  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . Please include your name, address, account/loan numbers, and indicate that you wish to have the dispute narrative removed from your credit report.   Feedback provided STATUS Feedback provided on  XX/XX/XXXX  Your feedback In the company response they stated that ( \" This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans '' ) As i have no record of this information being sent to my home so once again im asking. So i ask the CFPB to honor my request that the company in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans . ( AND TE  COMPANY DID NOT PROVIDE THIS ALL HEY PROVIDED WAS A FALSE CLAIM SAYING THEY SENT THIS TO MY HOME WHERE IS THEIR PROOF AND OR SIGNATURES OF THESE LOANS ) Their are so many errors on so many moving parts. I have created the proper  paper trail  and I have yet to recieve the information i requested to settle this debt if validated ... I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of   XX/XX/XXXX  , that together with your assurance that you will except payment What happens now?  <P/> The complaint process is complete and your complaint is now closed.  <P/> We have taken the following additional actions on your complaint : We added your complaint to the  CFPBs Consumer Complaint Database.    Your feedback, and feedback from other consumers, helps us make decisions about which issues and companies to investigate. If we take public legal action against the company that involves the issue you complained about, we will let you know. You can see public legal actions on our website.   We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies.   We appreciate your participation in the complaint process and your feedback on that process. Both are important to us and consumers who  may  have similar issues and concerns.  <P/> Closed  The  CFPB has closed your complaint.","date_sent_to_company":"2017-07-11T18:55:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"2571112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-07-11T18:55:41.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>complaint</em> <em>Sent</em> to company STATUS <em>Sent</em> to company on XX/XX/<em>XXXX</em>  We 've <em>sent</em> your <em>complaint</em> to the company, and we will let you know when they respond."]},"sort":[13.6438055,"2571112"]},{"_index":"complaint-public-v1","_id":"19084720","_score":13.519379,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding Citibank , N.A . ( CBNA ) and its continued reporting of inaccurate and unverified information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). \n\nI disputed the CBNA credit card account ending in # XXXX after Citibank was provided with documentation and context related to a documented financial loss event. Despite this, the dispute was closed within approximately three days with no substantive changes, indicating that no reasonable or manual investigation was conducted.\n\nCitibank continues to report charge-off status, paid in settlement, written off, and adverse payment history codes, along with discretionary narrative comments such as consumer disagrees, even though the account reflects a {$0.00} balance and Citibank has acknowledged the dispute and underlying circumstances.\n\nThe rapid closure of the dispute strongly suggests automated verification rather than a reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ). Citibank failed to review all relevant information provided and continues to furnish data that is incomplete, misleading, and inconsistent across consumer reporting agencies.\n\nAdditionally, Citibank has failed to respond substantively to follow-up communications sent by fax and written correspondence, leaving inaccurate derogatory information active on my credit file","date_sent_to_company":"2026-01-28T22:26:41.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"18201","tags":null,"has_narrative":true,"complaint_id":"19084720","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-01-28T22:09:46.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am submitting this <em>complaint</em> regarding Citibank , N.A . ( CBNA ) and its continued reporting of inaccurate and unverified information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). \n\nI <em>disputed</em> the CBNA credit card account ending in # <em>XXXX</em> after Citibank was provided with documentation and context related to a documented financial loss event."]},"sort":[13.519379,"19084720"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":353,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":353}]}},"product":{"doc_count":353,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":116,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":115},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt collection","doc_count":64,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":21},{"key":"I do not know","doc_count":16},{"key":"Other debt","doc_count":13},{"key":"Rental debt","doc_count":4},{"key":"Auto debt","doc_count":2},{"key":"Medical debt","doc_count":2},{"key":"Telecommunications debt","doc_count":2},{"key":"Credit card","doc_count":1},{"key":"Other (i.e. phone, health club, etc.)","doc_count":1},{"key":"Payday loan debt","doc_count":1},{"key":"Private student loan debt","doc_count":1}]}},{"key":"Credit card","doc_count":50,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":43},{"key":"Store credit card","doc_count":4}]}},{"key":"Checking or savings account","doc_count":33,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":29},{"key":"Other banking product or service","doc_count":2},{"key":"Savings account","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":23},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Mortgage","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":8},{"key":"FHA mortgage","doc_count":7},{"key":"VA mortgage","doc_count":4},{"key":"Home equity loan or line of credit (HELOC)","doc_count":2}]}},{"key":"Credit card or prepaid card","doc_count":18,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":16},{"key":"Store credit card","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":6},{"key":"Domestic (US) money transfer","doc_count":2},{"key":"Virtual currency","doc_count":2},{"key":"Money order, traveler's check or cashier's check","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":5},{"key":"Lease","doc_count":3}]}},{"key":"Student loan","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":4}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":2},{"key":"Payday loan","doc_count":1}]}},{"key":"Debt or credit management","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Student loan debt relief","doc_count":1}]}}]}},"issue":{"doc_count":353,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":80,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":26},{"key":"Information belongs to someone else","doc_count":26},{"key":"Account information incorrect","doc_count":22},{"key":"Old information reappears or never goes away","doc_count":2},{"key":"Personal information incorrect","doc_count":2},{"key":"Public record information inaccurate","doc_count":2}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":42,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":32},{"key":"Was not notified of investigation status or results","doc_count":5},{"key":"Investigation took more than 30 days","doc_count":3},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1},{"key":"Problem with personal statement of dispute","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":41,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":32},{"key":"Card was charged for something you did not purchase with the card","doc_count":9}]}},{"key":"Attempts to collect debt not owed","doc_count":34,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":27},{"key":"Debt was paid","doc_count":3},{"key":"Debt was result of identity theft","doc_count":3},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":1}]}},{"key":"Managing an account","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":9},{"key":"Deposits and withdrawals","doc_count":7},{"key":"Banking errors","doc_count":4},{"key":"Funds not handled or disbursed as instructed","doc_count":3}]}},{"key":"Improper use of your report","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":15}]}},{"key":"Written notification about debt","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":9},{"key":"Didn't receive notice of right to dispute","doc_count":4},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":6},{"key":"Credit card company forcing arbitration","doc_count":2},{"key":"Add-on products and services","doc_count":1},{"key":"Problem with customer service","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":4},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":3},{"key":"Escrow, taxes, or insurance","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":6},{"key":"Investigation took more than 30 days","doc_count":2}]}},{"key":"False statements or representation","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":7}]}},{"key":"Struggling to pay mortgage","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":3},{"key":"Foreclosure","doc_count":2}]}},{"key":"Problem with a lender or other company charging your account","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":5},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":1}]}},{"key":"Fraud or scam","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with your lender or servicer","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":4}]}},{"key":"Fees or interest","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":3},{"key":"Charged too much interest","doc_count":1}]}},{"key":"Problems at the end of the loan or lease","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with paying off the loan","doc_count":2},{"key":"Excess mileage, damage, or wear fees, or other problem after the lease is finished","doc_count":1},{"key":"Problem while selling or giving up the vehicle","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing disclosure or other related disclosures","doc_count":2}]}},{"key":"Managing the loan or lease","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1},{"key":"Loan sold or transferred to another company","doc_count":1},{"key":"Problem with the interest rate","doc_count":1}]}},{"key":"Problem when making payments","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":3}]}},{"key":"Took or threatened to take negative or legal action","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued you without properly notifying you of lawsuit","doc_count":2},{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}},{"key":"Closing an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1},{"key":"Fees charged for closing account","doc_count":1}]}},{"key":"Electronic communications","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":2}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Billing disputes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Can't contact lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Credit determination","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Disclosure verification of debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Not given enough info to verify debt","doc_count":1}]}},{"key":"Identity theft / Fraud / Embezzlement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem adding money","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Non-sufficient funds and associated fees","doc_count":1}]}},{"key":"Problem with cash advance","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with customer service","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Voluntary repossession","doc_count":1}]}},{"key":"Taking/threatening an illegal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued w/o proper notification of suit","doc_count":1}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted you after you asked them to stop","doc_count":1}]}},{"key":"Unable to get your credit report or credit score","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized withdrawals or charges","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unexpected or other fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":353,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":349},{"key":"No","doc_count":4}]}},"company_response":{"doc_count":353,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":259},{"key":"Closed with non-monetary relief","doc_count":67},{"key":"Closed with monetary relief","doc_count":23},{"key":"Untimely response","doc_count":4}]}},"submitted_via":{"doc_count":353,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":353}]}},"company":{"doc_count":353,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":45},{"key":"EQUIFAX, INC.","doc_count":38},{"key":"Experian Information Solutions Inc.","doc_count":35},{"key":"CITIBANK, N.A.","doc_count":16},{"key":"WELLS FARGO & COMPANY","doc_count":13},{"key":"Resurgent Capital Services L.P.","doc_count":11},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":10},{"key":"JPMORGAN CHASE & CO.","doc_count":10},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":9},{"key":"SYNCHRONY FINANCIAL","doc_count":9},{"key":"Paypal Holdings, Inc","doc_count":6},{"key":"AMERICAN EXPRESS COMPANY","doc_count":5},{"key":"Portfolio Recovery Associates, LLC","doc_count":5},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":5},{"key":"BARCLAYS BANK DELAWARE","doc_count":4},{"key":"Block, Inc.","doc_count":4},{"key":"CL Holdings LLC","doc_count":4},{"key":"Chime Financial Inc","doc_count":4},{"key":"DISCOVER BANK","doc_count":4},{"key":"U.S. BANCORP","doc_count":4},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":3},{"key":"PNC Bank N.A.","doc_count":3},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":3},{"key":"Shellpoint Partners, LLC","doc_count":3},{"key":"TD BANK US HOLDING COMPANY","doc_count":3},{"key":"GOLDMAN SACHS BANK USA","doc_count":2},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":2},{"key":"Mr. Cooper Group Inc.","doc_count":2},{"key":"NCD Financial, LLC","doc_count":2},{"key":"Navient Solutions, LLC.","doc_count":2},{"key":"Nelnet, Inc.","doc_count":2},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":2},{"key":"Solar Mosaic LLC","doc_count":2},{"key":"TrueAccord Corp.","doc_count":2},{"key":"AFNI INC.","doc_count":1},{"key":"ALLIANT CREDIT UNION","doc_count":1},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"Aargon Agency, Inc.","doc_count":1},{"key":"Absolute Resolutions Corp.","doc_count":1},{"key":"Admin Recovery, LLC","doc_count":1},{"key":"Affirm Holdings, Inc","doc_count":1},{"key":"Aspen Yo LLC","doc_count":1},{"key":"Auto Now Financial Services, Inc., Phoenix, AZ Branch","doc_count":1},{"key":"Avant Holding Company, Inc.","doc_count":1},{"key":"BANK OF NEW YORK MELLON CORPORATION, THE","doc_count":1},{"key":"BBVA FINANCIAL CORPORATION","doc_count":1},{"key":"BOK FINANCIAL CORP","doc_count":1},{"key":"Byrider Franchising, LLC","doc_count":1},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":1},{"key":"CCS Financial Services, Inc.","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"Central Research Inc","doc_count":1},{"key":"Continental Finance Company, LLC","doc_count":1},{"key":"Debt Co LLC","doc_count":1},{"key":"Deutsche Bank","doc_count":1},{"key":"DigniFi","doc_count":1},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":1},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":1},{"key":"FISERV FINXACT CORE","doc_count":1},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":1},{"key":"FirstPoint Collection Resources","doc_count":1},{"key":"Freedom Mortgage Company","doc_count":1},{"key":"GUARANTEED RATE INC.","doc_count":1},{"key":"Guild Holdings Company","doc_count":1},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":1},{"key":"I.C. System, Inc.","doc_count":1},{"key":"Io, Inc.","doc_count":1},{"key":"KEYCORP","doc_count":1},{"key":"Kohn Law Firm S.C.","doc_count":1},{"key":"LEXISNEXIS","doc_count":1},{"key":"LendingPoint Holdings LLC","doc_count":1},{"key":"Lockhart, Morris & Montgomery Inc.","doc_count":1},{"key":"MOHELA","doc_count":1},{"key":"Mankin Law Group","doc_count":1},{"key":"Metro Collection Service Inc.","doc_count":1},{"key":"MicroBilt / PRBC (formerly CL Verify)","doc_count":1},{"key":"Mutual Management Services LLC","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1},{"key":"National Consumer Telecom & Utilities Exchange, Inc.","doc_count":1},{"key":"National Credit Adjusters, LLC","doc_count":1},{"key":"National Credit Systems,Inc.","doc_count":1},{"key":"OPORTUN FINANCIAL CORPORATION","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1},{"key":"Platinum Holdings Group, LLC","doc_count":1},{"key":"ProCollect, Inc.","doc_count":1},{"key":"Rent Recovery Solutions","doc_count":1},{"key":"Rithm Capital Corp.","doc_count":1},{"key":"Riverwalk Financial Corporation","doc_count":1},{"key":"Rocket Mortgage, LLC","doc_count":1},{"key":"Rossi Law Offices, Ltd","doc_count":1},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":1},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":1},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":1},{"key":"Security Credit Services, LLC","doc_count":1},{"key":"Self Financial Inc.","doc_count":1},{"key":"Servicer under contract with Federal Student Aid","doc_count":1},{"key":"Seterus, Inc.","doc_count":1},{"key":"Smith, Cohen & Rosenberg LLC","doc_count":1},{"key":"Spring Oaks Capital, LLC","doc_count":1},{"key":"Stenger & Stenger, P.C","doc_count":1},{"key":"Sunnova Energy Corporation","doc_count":1},{"key":"TRANSWORLD SYSTEMS INC","doc_count":1},{"key":"TekCollect Inc.","doc_count":1},{"key":"The CBE Group, Inc.","doc_count":1},{"key":"Tower Loan of Mississippi, Inc.","doc_count":1},{"key":"United Check Recovery Bureau, Inc.","doc_count":1},{"key":"V and H Portfolio","doc_count":1},{"key":"VW Credit","doc_count":1},{"key":"Velocity Portfolio Group","doc_count":1},{"key":"W&A Intermediate Co., LLC","doc_count":1},{"key":"World Omni Financial Corp.","doc_count":1}]}},"state":{"doc_count":353,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":51},{"key":"CA","doc_count":35},{"key":"FL","doc_count":32},{"key":"NY","doc_count":25},{"key":"GA","doc_count":22},{"key":"MI","doc_count":22},{"key":"PA","doc_count":17},{"key":"IL","doc_count":13},{"key":"AZ","doc_count":10},{"key":"NJ","doc_count":10},{"key":"WA","doc_count":10},{"key":"MD","doc_count":9},{"key":"NC","doc_count":8},{"key":"CO","doc_count":7},{"key":"LA","doc_count":6},{"key":"MA","doc_count":6},{"key":"SC","doc_count":6},{"key":"WI","doc_count":6},{"key":"AL","doc_count":5},{"key":"MO","doc_count":5},{"key":"OR","doc_count":5},{"key":"OH","doc_count":4},{"key":"TN","doc_count":4},{"key":"AR","doc_count":3},{"key":"IN","doc_count":3},{"key":"KY","doc_count":3},{"key":"MN","doc_count":3},{"key":"VA","doc_count":3},{"key":"MS","doc_count":2},{"key":"ND","doc_count":2},{"key":"NE","doc_count":2},{"key":"NV","doc_count":2},{"key":"RI","doc_count":2},{"key":"AK","doc_count":1},{"key":"AP","doc_count":1},{"key":"CT","doc_count":1},{"key":"IA","doc_count":1},{"key":"NM","doc_count":1},{"key":"OK","doc_count":1},{"key":"SD","doc_count":1},{"key":"WV","doc_count":1},{"key":"WY","doc_count":1}]}},"company_public_response":{"doc_count":353,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":159},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":6}]}},"tags":{"doc_count":353,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":46},{"key":"Older American","doc_count":31},{"key":"Older American, Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[13.519855,"19084720"],"3":[12.37774,"2466067"],"4":[11.637343,"19346611"],"5":[10.909731,"18073134"],"6":[10.63529,"21486859"],"7":[9.611788,"11096926"],"8":[8.969707,"14619615"]}}}