{"took":1818,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1362,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19219552","_score":17.574068,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Summary I am filing this complaint against American Express National Bank for inaccurate credit reporting, failure to properly investigate disputed and fraudulent charges, improper billing of annual membership fees prior to card receipt or activation, and continued reporting of false delinquencies despite active disputes and good-faith payments.\n\nAmerican Express has reported my account as 30 and 60 days past due to consumer reporting agencies using incorrect balances, even though the amounts reported include disputed, unauthorized, and improperly billed charges that remain unresolved after more than a year.\n\nDetailed Explanation Unauthorized and Improper Fees American Express charged annual/new member fees before I received or activated the card, without consent. This constitutes improper billing, misleading practices, and violation of consumer protection standards.\n\nTimely Fraud and Billing Disputes I timely disputed fraudulent and incorrect charges. American Express acknowledged the disputes and stated the matters were under investigation but failed to complete a lawful investigation, failed to provisionally credit the account, and failed to correct the balance.\n\nGood-Faith Payments Ignored Despite incorrect balances, I continued making minimum payments in good faith while awaiting proper adjustments and credits. American Express nonetheless assessed late fees and reported delinquencies.\n\nFalse Credit Reporting American Express reported 30-day and 60-day late payments with inflated and inaccurate balances to XXXX and other bureaus XXXX despite knowing the account was disputed. This reporting has materially harmed my credit profile. \n\nFailure to Correct After Notice Even after multiple complaints and direct disputes, American Express failed to correct or delete inaccurate information, in violation of federal law.","date_sent_to_company":"2026-02-10T12:29:00.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33407","tags":null,"has_narrative":true,"complaint_id":"19219552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-02-03T19:15:30.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Summary</em> I am <em>filing</em> this <em>complaint</em> against American Express National Bank for inaccurate credit reporting, failure to properly investigate <em>disputed</em> and fraudulent charges, <em>improper</em> billing of annual membership fees prior to card receipt or activation, and continued reporting of false delinquencies despite active <em>disputes</em> and good-faith payments."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[17.574068,"19219552"]},{"_index":"complaint-public-v1","_id":"16111471","_score":17.303366,"_source":{"product":"Debt collection","complaint_what_happened":"CBHV Collections claims its trying to collect on XXXX XXXX XXXX behalf Other features, terms, or problems ( debt collection practices ) Summary of Complaint : CBHV Collections continues to contact me regarding charges from XXXX XXXX XXXX, despite an open dispute and an active complaint already filed with the FCC. These contacts include unsolicited text messages containing suspicious links, which I am not willing to engage with. And calls in the past without any written letters in the mail within the first XXXX day of attempting contact. \n\nI have no direct dealings with CBHV and have already sent letters to both the hospital and my credit card companies regarding services that were not properly rendered or provided. CBHV is attempting to collect a fraudulent, inflated bill without proper verification or documentation, which is harassing and improper. \n\nThis account should be returned to the original merchant ( XXXX XXXX XXXX ) for resolution, as CBHV has no authority to demand payment or escalate the matter while the dispute is active. Failure to properly handle the dispute will also result in the hospital and the attending doctor being notified of improper medical care and billing practices.","date_sent_to_company":"2025-11-04T17:12:50.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"16111471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Collection Bureau of the Hudson Valley, Inc.","date_received":"2025-09-24T01:10:39.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["CBHV Collections claims its trying to collect on XXXX XXXX XXXX behalf Other features, terms, or problems ( debt collection practices ) <em>Summary</em> of <em>Complaint</em> : CBHV Collections continues to contact me regarding charges from XXXX XXXX XXXX, despite an open <em>dispute</em> and an active <em>complaint</em> already <em>filed</em> with the FCC. These contacts include unsolicited text messages containing suspicious links, which I am not willing to engage with."],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[17.303366,"16111471"]},{"_index":"complaint-public-v1","_id":"17261756","_score":17.002165,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX I am filing this complaint because TransUnion repeatedly refused to conduct a lawful reinvestigation under the Fair Credit Reporting Act and used an identity verification request as an improper barrier to avoid addressing a legitimate dispute, even after I submitted direct written proof from the original creditor. \n\nThis complaint is not about the account itself that account has since been removed by the furnisher. The issue is TransUnions illegal dispute-handling tactics, which violate multiple sections of the FCRA and XXXX me at risk of future inaccurate reporting. \n\nSummary of What Happened : I disputed an inaccurate account on my TransUnion report and provided written proof from XXXX Bank confirming that the account belonged to XXXX XXXX XXXX, not me ( XXXX ). \n\nXXXX letter confirmed : XXXX. I have no active accounts with them.","date_sent_to_company":"2025-11-14T10:50:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"346XX","tags":null,"has_narrative":true,"complaint_id":"17261756","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-14T10:40:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX I am <em>filing</em> this <em>complaint</em> because TransUnion repeatedly refused to conduct a lawful reinvestigation under the Fair Credit Reporting Act and used an identity verification request as an <em>improper</em> barrier to avoid addressing a legitimate <em>dispute</em>, even after I submitted direct written proof from the original creditor. \n\nThis <em>complaint</em> is not about the account itself that account has since been removed by the furnisher."]},"sort":[17.002165,"17261756"]},{"_index":"complaint-public-v1","_id":"20639472","_score":16.631504,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am submitting this complaint against Westlake Services , LLC regarding a disputed auto loan involving fraud, inaccurate credit reporting, improper collection activity, and failure to honor a binding arbitration agreement. \n\nISSUE SUMMARY Vehicle financed on XX/XX/XXXX Vehicle was sold with undisclosed salvage and flood damage Vehicle became unsafe and inoperable Default occurred on XX/XX/XXXX due to these defects Westlake repossessed and sold the vehicle Westlake is attempting to collect a deficiency balance MAIN COMPLAINT 1. FAILURE TO HONOR BINDING ARBITRATION ( XXXX ) My contract requires disputes to be resolved through arbitration. \nI initiated arbitration with the XXXX XXXX XXXX ( XXXX ) The arbitration was closed without resolution Despite this, Westlake filed a state court lawsuit instead of arbitrating This is a breach of contract and denial of my agreed dispute resolution rights. \n2. IMPROPER COLLECTION ACTIVITY ( FDCPA ) Westlake continues attempting to collect a disputed and invalid debt, including : Filing legal action despite arbitration requirement Continuing collection during an active dispute Misrepresenting their legal right to collect 3. INACCURATE CREDIT REPORTING ( FCRA ) Westlake has : Reported inaccurate information Failed to properly investigate my disputes Failed to mark the account as disputed 4. UNFAIR DEFICIENCY BALANCE ( UCC VIOLATIONS ) After repossession, the vehicle was sold in a commercially unreasonable manner : Sale price was significantly below fair value No proper justification for the deficiency balance The claimed balance is not valid","date_sent_to_company":"2026-03-26T15:12:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Loan","zip_code":"30281","tags":null,"has_narrative":true,"complaint_id":"20639472","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2026-03-26T15:07:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am submitting this <em>complaint</em> against Westlake Services , LLC regarding a <em>disputed</em> auto loan involving fraud, inaccurate credit reporting, <em>improper</em> collection activity, and failure to honor a binding arbitration agreement."]},"sort":[16.631504,"20639472"]},{"_index":"complaint-public-v1","_id":"20973180","_score":16.559204,"_source":{"product":"Debt collection","complaint_what_happened":"Over the course of the last 5 months, Company : Credit Collection Services Account : {$540.00} Reported : XX/XX/year> I am filing this complaint after multiple disputes with this company regarding the above account. \nDespite sending multiple dispute letters, the company continues to respond with the same generic account summaries and has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). \nThey have not provided competent evidence of the debt, only internal summaries, which do not constitute proper verification. \nIn some cases, accounts have been improperly updated, reinserted, or marked inaccurately instead of being removed entirely. \nFor accounts dismissed in court, the company continues to report them despite lack of evidence and legal standing. \nThis is inaccurate, misleading, and a violation of federal law. \nI am requesting : Immediate and permanent deletion from all credit bureaus Proof of investigation and method of verification Confirmation that deletion has been submitted to all three credit bureaus Failure to comply demonstrates continued noncompliance with federal law.\n\nI expect resolution within the required CFPB response timeframe.","date_sent_to_company":"2026-04-06T15:02:44.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"65616","tags":"Servicemember","has_narrative":true,"complaint_id":"20973180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2026-04-06T14:51:23.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Over the course of the last 5 months, Company : Credit Collection Services Account : {$540.00} Reported : XX/XX/year> I am <em>filing</em> this <em>complaint</em> after multiple <em>disputes</em> with this company regarding the above account. \nDespite sending multiple <em>dispute</em> letters, the company continues to respond with the same generic account <em>summaries</em> and has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA )."]},"sort":[16.559204,"20973180"]},{"_index":"complaint-public-v1","_id":"7890303","_score":16.53949,"_source":{"product":"Debt collection","complaint_what_happened":"Genesis reported invalid debt to credit reporting agency in XX/XX/XXXX. I disputed through credit reporting agency in XX/XX/XXXX. Came back verified. On XX/XX/XXXX I called Genesis and asked what this is. They told me the amount and name of original creditor. I told them they must have a mistake. I then filed a complaint on XXXX website. The email they sent me included a brief summary of amount owed and how to pay along with attached bill and apartment lease. This email did not disclose my right to dispute this debt anywhere in it. The claimed debt that genesis  is saying I owe was in XX/XX/XXXX. From XXXX XX/XX/XXXX. I never received any sort or communication what so ever from genesis  during that period. In XXXX complaint, Genesis even admits that debt validation was sent only after I filed complaint with XXXX  in XX/XX/XXXX. I believe Genesis has improperly reported this claimed debt without meeting their obligations under the FDCPA.","date_sent_to_company":"2023-11-22T06:43:56.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"91739","tags":null,"has_narrative":true,"complaint_id":"7890303","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2023-11-22T06:14:26.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["In XXXX <em>complaint</em>, Genesis even admits that debt validation was sent only after I <em>filed</em> <em>complaint</em> with XXXX  in XX/XX/XXXX. I believe Genesis has <em>improperly</em> reported this claimed debt without meeting their obligations under the FDCPA."],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[16.53949,"7890303"]},{"_index":"complaint-public-v1","_id":"21038981","_score":16.486748,"_source":{"product":"Debt collection","complaint_what_happened":"Category : Consumer Protection Improper Debt Collection / Rental Car Dispute Company : XXXX XXXX XXXX and Viking Client Services ( Debt Collector ) Summary : I am filing a complaint regarding XXXX and Viking Debt Collection for attempting to collect payment for alleged rental car damage that was pre existing. I have time stamped photographic evidence taken at pickup showing the damage. XXXX has not provided any documentation to support its claim. \n\nDespite my written disputes, XXXX forwarded the claim to Viking Debt Collection without validating the debt, which is improper and misleading. Viking has since sent physical collection notices but has not provided any method to dispute electronically or any validation of the debt. \n\nDetails : The alleged damage existed before I rented the vehicle. \nI documented the damage with time stamped photos at pickup. \nXXXX has not provided : -- Pre rental inspection report -- Post rental inspection report -- Photos -- Repair invoice -- Timestamp of alleged damage I disputed the claim in writing multiple times. \nXXXX ignored the dispute and sent the claim to Viking. \nViking is attempting to collect a debt that is unvalidated and disputed, which may violate the Texas Debt Collection Act and the FDCPA.\n\nViking has not provided any validation of the debt or a way to dispute electronically.","date_sent_to_company":"2026-04-08T03:36:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"78681","tags":null,"has_narrative":true,"complaint_id":"21038981","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Viking Client Services","date_received":"2026-04-08T03:22:22.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Category : Consumer Protection <em>Improper</em> Debt Collection / Rental Car <em>Dispute</em> Company : XXXX XXXX XXXX and Viking Client Services ( Debt Collector ) <em>Summary</em> : I am <em>filing</em> a <em>complaint</em> regarding XXXX and Viking Debt Collection for attempting to collect payment for alleged rental car damage that was pre existing. I have time stamped photographic evidence taken at pickup showing the damage. XXXX has not provided any documentation to support its claim."]},"sort":[16.486748,"21038981"]},{"_index":"complaint-public-v1","_id":"15432950","_score":16.157055,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Summary for a CFPB Complaint This summary is for a complaint to be filed with the Consumer Financial Protection Bureau ( CFPB ) to request the removal of inaccurate accounts reported on your credit reports with Equifax, TransUnion, and Experian. \n\nPurpose of the Complaint : This complaint asserts that the XXXX major credit XXXX  TransUnion, and XXXX failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a proper and reasonable investigation into your previous disputes regarding inaccurate information on your credit reports. The inaccurate accounts you are disputing are : [ List each inaccurate account by name, account number, and the specific reason for the dispute. For example : \" Account name : XXXX XXXX, Account XXXX XXXX XXXXXXXX. Reason for dispute : This account was paid in full on [ date ] but is still being reported as delinquent. '' ] [ List the second inaccurate account ] [ List the XXXX  inaccurate account ] The failure to properly investigate and remove these errors has caused you financial harm, including [ mention any specific harms you've experienced, such as denial of credit, higher interest rates, etc. ]. \n\nLegal Basis for the Complaint ( FCRA ) : The complaint is based on the credit bureaus ' failure to comply with the FCRA, which requires them to : Conduct a \" reasonable reinvestigation '' of disputed information. \n\nRemove or correct any information that is found to be inaccurate, incomplete, or unverifiable. \n\nProvide you with the results of their investigation. \n\nCFPB 's Actions Against Credit Bureaus : The CFPB has a history of taking enforcement actions against the credit bureaus for similar violations of the FCRA. This history demonstrates that the CFPB takes these issues seriously and provides a strong precedent for your complaint. \n\nRecent lawsuits and actions by the CFPB against the credit bureaus include : CFPB XXXX Experian : The CFPB has sued Experian, alleging it conducted \" sham investigations '' of consumer disputes. The complaint alleges that Experian did not properly process disputes, failed to forward all relevant information to the furnishers, and improperly reinserted inaccurate information onto consumer reports. \n\nCFPB v. Equifax : The CFPB has taken action against Equifax, ordering them to pay a penalty for improper investigations of credit reporting errors. The CFPB found that Equifax ignored consumer evidence, used flawed software, and allowed previously deleted inaccuracies to be reinserted into reports. \n\nThese enforcement actions highlight the XXXX XXXX focus on ensuring that credit bureaus comply with the law and properly handle consumer disputes. Your complaint will add to the body of evidence that these bureaus are failing to uphold their legal duties and will seek to hold them accountable for the inaccurate information on your credit report","date_sent_to_company":"2025-08-21T22:06:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29607","tags":null,"has_narrative":true,"complaint_id":"15432950","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-21T21:30:30.000Z","state":"SC","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>Summary</em> for a CFPB <em>Complaint</em> This <em>summary</em> is for a <em>complaint</em> to be <em>filed</em> with the Consumer Financial Protection Bureau ( CFPB ) to request the removal of inaccurate accounts reported on your credit reports with Equifax, TransUnion, and Experian."]},"sort":[16.157055,"15432950"]},{"_index":"complaint-public-v1","_id":"15430740","_score":16.157055,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Summary for a CFPB Complaint This summary is for a complaint to be filed with the Consumer Financial Protection Bureau ( CFPB ) to request the removal of inaccurate accounts reported on your credit reports with Equifax, TransUnion, and Experian. \n\nPurpose of the Complaint : This complaint asserts that the XXXX major credit XXXX  TransUnion, and XXXX failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a proper and reasonable investigation into your previous disputes regarding inaccurate information on your credit reports. The inaccurate accounts you are disputing are : [ List each inaccurate account by name, account number, and the specific reason for the dispute. For example : \" Account name : XXXX XXXX, Account XXXX XXXX XXXXXXXX. Reason for dispute : This account was paid in full on [ date ] but is still being reported as delinquent. '' ] [ List the second inaccurate account ] [ List the XXXX  inaccurate account ] The failure to properly investigate and remove these errors has caused you financial harm, including [ mention any specific harms you've experienced, such as denial of credit, higher interest rates, etc. ]. \n\nLegal Basis for the Complaint ( FCRA ) : The complaint is based on the credit bureaus ' failure to comply with the FCRA, which requires them to : Conduct a \" reasonable reinvestigation '' of disputed information. \n\nRemove or correct any information that is found to be inaccurate, incomplete, or unverifiable. \n\nProvide you with the results of their investigation. \n\nCFPB 's Actions Against Credit Bureaus : The CFPB has a history of taking enforcement actions against the credit bureaus for similar violations of the FCRA. This history demonstrates that the CFPB takes these issues seriously and provides a strong precedent for your complaint. \n\nRecent lawsuits and actions by the CFPB against the credit bureaus include : CFPB XXXX Experian : The CFPB has sued Experian, alleging it conducted \" sham investigations '' of consumer disputes. The complaint alleges that Experian did not properly process disputes, failed to forward all relevant information to the furnishers, and improperly reinserted inaccurate information onto consumer reports. \n\nCFPB v. Equifax : The CFPB has taken action against Equifax, ordering them to pay a penalty for improper investigations of credit reporting errors. The CFPB found that Equifax ignored consumer evidence, used flawed software, and allowed previously deleted inaccuracies to be reinserted into reports. \n\nThese enforcement actions highlight the XXXX XXXX focus on ensuring that credit bureaus comply with the law and properly handle consumer disputes. Your complaint will add to the body of evidence that these bureaus are failing to uphold their legal duties and will seek to hold them accountable for the inaccurate information on your credit report","date_sent_to_company":"2025-08-21T22:06:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29607","tags":null,"has_narrative":true,"complaint_id":"15430740","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-21T22:05:59.000Z","state":"SC","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>Summary</em> for a CFPB <em>Complaint</em> This <em>summary</em> is for a <em>complaint</em> to be <em>filed</em> with the Consumer Financial Protection Bureau ( CFPB ) to request the removal of inaccurate accounts reported on your credit reports with Equifax, TransUnion, and Experian."]},"sort":[16.157055,"15430740"]},{"_index":"complaint-public-v1","_id":"15430737","_score":16.157055,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Summary for a CFPB Complaint This summary is for a complaint to be filed with the Consumer Financial Protection Bureau ( CFPB ) to request the removal of inaccurate accounts reported on your credit reports with Equifax, TransUnion, and Experian. \n\nPurpose of the Complaint : This complaint asserts that the XXXX major credit XXXX  TransUnion, and XXXX failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a proper and reasonable investigation into your previous disputes regarding inaccurate information on your credit reports. The inaccurate accounts you are disputing are : [ List each inaccurate account by name, account number, and the specific reason for the dispute. For example : \" Account name : XXXX XXXX, Account XXXX XXXX XXXXXXXX. Reason for dispute : This account was paid in full on [ date ] but is still being reported as delinquent. '' ] [ List the second inaccurate account ] [ List the XXXX  inaccurate account ] The failure to properly investigate and remove these errors has caused you financial harm, including [ mention any specific harms you've experienced, such as denial of credit, higher interest rates, etc. ]. \n\nLegal Basis for the Complaint ( FCRA ) : The complaint is based on the credit bureaus ' failure to comply with the FCRA, which requires them to : Conduct a \" reasonable reinvestigation '' of disputed information. \n\nRemove or correct any information that is found to be inaccurate, incomplete, or unverifiable. \n\nProvide you with the results of their investigation. \n\nCFPB 's Actions Against Credit Bureaus : The CFPB has a history of taking enforcement actions against the credit bureaus for similar violations of the FCRA. This history demonstrates that the CFPB takes these issues seriously and provides a strong precedent for your complaint. \n\nRecent lawsuits and actions by the CFPB against the credit bureaus include : CFPB XXXX Experian : The CFPB has sued Experian, alleging it conducted \" sham investigations '' of consumer disputes. The complaint alleges that Experian did not properly process disputes, failed to forward all relevant information to the furnishers, and improperly reinserted inaccurate information onto consumer reports. \n\nCFPB v. Equifax : The CFPB has taken action against Equifax, ordering them to pay a penalty for improper investigations of credit reporting errors. The CFPB found that Equifax ignored consumer evidence, used flawed software, and allowed previously deleted inaccuracies to be reinserted into reports. \n\nThese enforcement actions highlight the XXXX XXXX focus on ensuring that credit bureaus comply with the law and properly handle consumer disputes. Your complaint will add to the body of evidence that these bureaus are failing to uphold their legal duties and will seek to hold them accountable for the inaccurate information on your credit report","date_sent_to_company":"2025-08-21T22:06:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29607","tags":null,"has_narrative":true,"complaint_id":"15430737","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-21T22:05:59.000Z","state":"SC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Summary</em> for a CFPB <em>Complaint</em> This <em>summary</em> is for a <em>complaint</em> to be <em>filed</em> with the Consumer Financial Protection Bureau ( CFPB ) to request the removal of inaccurate accounts reported on your credit reports with Equifax, TransUnion, and Experian."]},"sort":[16.157055,"15430737"]},{"_index":"complaint-public-v1","_id":"18997625","_score":16.092188,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Type Payment/Transaction Issues- Buy Now Pay Later Service ( Klarna ) Summary Filing a complaint against Klarna for failure to properly investigate and resolve a dispute involving an undelivered {$580.00} order from XXXX XXXX XXXX XXXX XXXX XXXX XXXX improperly closing a valid dispute without merchant evidence of shipment, and continuing to demand payment for goods never received. \n\nCFPB Complaint XXXX Klarna Order Details Merchant : XXXX XXXX XXXX XXXX XXXX XXXX. \nItem : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$580.00} Merchant Order # : XXXX Klarna Order # : XXXX Payment Status : {$140.00} paid ; {$430.00} remaining ; next payment due XX/XX/year> Issue Summary Purchased jewelry for {$580.00} through Klarnas installment plan. Item was never delivered after over XXXX month. Merchant repeatedly delayed, asking me to wait a little longer instead of canceling or shipping. Filed dispute with Klarna, which was closed in merchants favor without any proof of shipment provided. Account now shows Return in progress for an item I never received. \nProblems with Klarna Closed dispute without evidence : No proof of delivery or shipment obtained from merchant. Continued payment obligation : Still owe {$430.00} for undelivered goods. Refused escalation : Agent would not connect me to someone with refund authority. Deflected responsibility : Agent stated dispute process was futile and I should contact merchant directly despite attempts to handle. \nPaid {$140.00} for goods never received Required to continue paying {$430.00} for undelivered merchandise Can not pursue bank chargeback as payment processed through Klarna Credit/payment standing at risk","date_sent_to_company":"2026-01-26T04:46:39.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20853","tags":null,"has_narrative":true,"complaint_id":"18997625","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Klarna AB","date_received":"2026-01-26T04:32:29.000Z","state":"MD","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Type Payment/Transaction Issues- Buy Now Pay Later Service ( Klarna ) <em>Summary</em> <em>Filing</em> a <em>complaint</em> against Klarna for failure to properly investigate and resolve a <em>dispute</em> involving an undelivered {$580.00} order from XXXX XXXX XXXX XXXX XXXX XXXX XXXX <em>improperly</em> closing a valid <em>dispute</em> without merchant evidence of shipment, and continuing to demand payment for goods never received. \n\nCFPB <em>Complaint</em> XXXX Klarna Order Details Merchant : XXXX XXXX XXXX XXXX XXXX XXXX."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[16.092188,"18997625"]},{"_index":"complaint-public-v1","_id":"11486790","_score":15.91016,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Summary of My Complaint : I am filing this complaint regarding inaccurate and improperly handled information related to an account reported by XXXX XXXX XXXX on my Experian credit report XXXX XXXX XXXX XXXX XXXX  ). The reported information includes inaccuracies about the deficiency balance following the repossession and sale of a vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nDespite filing disputes, Experian failed to conduct a reasonable investigation and improperly verified inaccurate information from XXXX XXXX XXXX. This mirrors the CFPBs lawsuit findings against Experian for sham investigations and reinsertion of inaccurate data, violating the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).\n\nKey Issues : 1. Experian conducted a sham investigation by uncritically accepting XXXX XXXXXXXX XXXX unreliable responses. \n2. Experian failed to ensure maximum possible accuracy of the reported information ( FCRA 1681e ( b ) ).\n\n3. If Experian reinserted deleted tradelines from XXXX XXXX XXXX without notifying me, it further violates FCRA 1681i ( a ) ( 5 ) ( B ). \n4. XXXX XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ) by reporting inaccurate balances and failing to inform Experian of disputed information. \n\nThese actions have caused financial harm and damage to my creditworthiness. I demand Experian and XXXX XXXX XXXX correct or remove the inaccuracies immediately and provide a full explanation of their investigation process.","date_sent_to_company":"2025-01-13T04:01:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45840","tags":null,"has_narrative":true,"complaint_id":"11486790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-13T03:44:34.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Summary</em> of My <em>Complaint</em> : I am <em>filing</em> this <em>complaint</em> regarding inaccurate and <em>improperly</em> handled information related to an account reported by XXXX XXXX XXXX on my Experian credit report XXXX XXXX XXXX XXXX XXXX  )."]},"sort":[15.91016,"11486790"]},{"_index":"complaint-public-v1","_id":"21679525","_score":15.8252945,"_source":{"product":"Checking or savings account","complaint_what_happened":"Executive Summary We are filing this complaint regarding Wells Fargos improper handling of fraudulent debit card transactions involving XXXX  XXXX. On XX/XX/year>, we made a legitimate payment of {$970.00} to XXXX XXXX using our company debit card. Shortly afterward, the merchant fraudulently charged XXXX additional unauthorized transactions of {$2000.00} each on XX/XX/year> and XX/XX/year>, which we immediately reported and disputed. Wells Fargo initially issued provisional credits for both fraudulent charges but later reversed {$2000.00} on XX/XX/year> and again on XX/XX/year> without requesting additional evidence or providing documentation of authorization. Despite providing proof of the only authorized transaction, the bank has failed to properly resolve the dispute. We are requesting full reimbursement of {$4000.00} in fraudulent charges and correction of the improper reversals in accordance with Regulation E.\n\nComplaint : I am filing a complaint regarding Wells Fargos mishandling of unauthorized debit card transactions and failure to properly resolve fraud disputes in accordance with the Electronic Fund Transfer Act ( EFTA ) and Regulation E. \nWe used our company debit card to make a legitimate one-time payment to XXXX  XXXX in the amount of {$970.00}. All subsequent transactions were unauthorized. \n\nTimeline of Events : XX/XX/year> : Authorized payment of {$970.00} made to XXXX  XXXX using our company debit card. We received a receipt for this transaction. \nXX/XX/year> : XXXX  XXXX fraudulently charged {$2000.00} without authorization. We immediately contacted the bank and filed a fraud claim. \nXX/XX/year> : Wells Fargo issued a provisional credit for the disputed {$2000.00} charge. \nXX/XX/year> : XXXX  XXXX again fraudulently charged {$2000.00} without authorization. We again contacted the bank and filed a fraud claim. \nXX/XX/year> : The bank issued a credit for the second {$2000.00} fraudulent charge. \nXX/XX/year> : Wells Fargo reversed a provisional credit of {$2000.00} without requesting any additional documentation or new evidence. \nXX/XX/year> : A second reversal of {$2000.00} was made under the same circumstances. \n\nSummary of Issue : The total fraudulent amount of {$4000.00} ( XXXX unauthorized charges of {$2000.00} each ) was improperly reinstated against our account through provisional credit reversals. \nWe have consistently maintained that : Only the initial {$970.00} transaction on XX/XX/year> was authorized All subsequent {$2000.00} charges were fraudulent and unauthorized We immediately reported each fraudulent transaction to Wells Fargo We also provided Wells Fargo with the receipt from XXXX  XXXX confirming the only authorized charge of {$970.00}. At no point did Wells Fargo request additional supporting evidence before reversing provisional credits. \n\nRegulatory Concern : Wells Fargos handling of this dispute raises concerns under the Electronic Fund Transfer Act and Regulation E, which require financial institutions to properly investigate unauthorized electronic fund transfers and provide fair resolution. The reversal of provisional credits without requesting additional evidence or establishing valid authorization is inconsistent with these requirements.","date_sent_to_company":"2026-04-28T19:41:00.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"92344","tags":null,"has_narrative":true,"complaint_id":"21679525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-28T19:27:42.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Executive <em>Summary</em> We are <em>filing</em> this <em>complaint</em> regarding Wells Fargos <em>improper</em> handling of fraudulent debit card transactions involving XXXX  XXXX. On XX/XX/year>, we made a legitimate payment of {$970.00} to XXXX XXXX using our company debit card. Shortly afterward, the merchant fraudulently charged XXXX additional unauthorized transactions of {$2000.00} each on XX/XX/year> and XX/XX/year>, which we immediately reported and <em>disputed</em>."]},"sort":[15.8252945,"21679525"]},{"_index":"complaint-public-v1","_id":"21405627","_score":15.825139,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint regarding an inaccurate and improperly handled debt being reported and/or collected by IQ Data International related to XXXX XXXX XXXX XXXX XXXX XXXX \n\nI formally disputed this debt in or around XX/XX/XXXX. However, I did not receive a response until XX/XX/XXXX, representing a significant and unreasonable delay that raises concerns about the handling and accuracy of this account. \n\nUpon reviewing the documentation provided, there are clear inaccuracies. The account reflects multiple charges for a lease termination. On XX/XX/XXXX, I was charged a break lease fee of {$2800.00}, which was the agreed-upon amount. However, on XX/XX/XXXX, an additional break lease fee of {$4200.00} was charged. This appears to be a duplicate or improper charge. \n\nAdditionally, I was charged rent for the month of XXXX despite vacating the property on or about XX/XX/XXXX. \n\nThere are also inconsistencies in the balances reported. An earlier collection notice reflected a balance of {$7200.00}, while more recent correspondence reflects a principal balance of {$5900.00} The documentation provided does not include any signed agreement, invoices, receipts, or evidence supporting the charges beyond a summary ledger. As such, the debt has not been properly validated. \n\nGiven these discrepancies, inaccuracies, and lack of proper validation, I dispute the validity of this debt and request that it not be reported to any credit reporting agencies unless accurate and complete documentation can be provided.","date_sent_to_company":"2026-04-20T17:39:34.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"43078","tags":"Servicemember","has_narrative":true,"complaint_id":"21405627","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"T.S. Holdings","date_received":"2026-04-20T17:32:29.000Z","state":"OH","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a <em>complaint</em> regarding an inaccurate and <em>improperly</em> handled debt being reported and/or collected by IQ Data International related to XXXX XXXX XXXX XXXX XXXX XXXX \n\nI formally <em>disputed</em> this debt in or around XX/XX/XXXX. However, I did not receive a response until XX/XX/XXXX, representing a significant and unreasonable delay that raises concerns about the handling and accuracy of this account. \n\nUpon reviewing the documentation provided, there are clear inaccuracies."]},"sort":[15.825139,"21405627"]},{"_index":"complaint-public-v1","_id":"16048630","_score":15.79441,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint Evidence Packet Filed by : XXXX XXXX, Trustee Re : XXXX Alleged Account ( {$22000.00} ) Notice of Violation & Complaint Summary ( Copy-Paste Template ) Complaint Summary : I am filing a complaint against XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. account for {$22000.00}. \n\nOn XX/XX/XXXX, I sent a formal dispute/validation request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX No XXXX XXXX confirms delivery to XXXX, CA. \n\nXXXX never provided validation as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).\n\nDespite this, the same account was later reassigned to XXXX XXXX XXXX XXXX, which issued a new collection letter on XX/XX/XXXX. \n\nMy XXXX  credit report ( updated XX/XX/XXXX ) continues to list this account inaccurately, showing conflicting addresses ( XXXX XXXX, XXXX, XXXX ) and reporting it under my individual name despite trustee dispute. \n\nThis constitutes : XXXX. Continued collection without validation ( FDCPA violation ). \nXXXX. Inaccurate and unverifiable reporting ( FCRA violation ). \nXXXX. Improper handling of disputes, causing harm to my credit and consumer rights. \n\nRequested Resolution : Immediate removal of the inaccurate XXXX account from all credit bureau reports XXXX \n\nWritten confirmation that XXXX and XXXX XXXX cease collection activity. \n\nInvestigation of these agencies for repeated violations of federal and state law. \n\nBecause of this, I was denied housing for my family. \n\nAttachments : XXXX Proof of Delivery ( XX/XX/XXXX ), XXXX Letter ( XX/XX/XXXX, Trustee Dispute Letter, XXXX XXXX XXXX Letter ( XX/XX/XXXX ), and XXXX  Report Screenshots.","date_sent_to_company":"2025-11-03T15:29:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"78154","tags":"Servicemember","has_narrative":true,"complaint_id":"16048630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-09-19T22:27:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Evidence Packet <em>Filed</em> by : XXXX XXXX, Trustee Re : XXXX Alleged Account ( {$22000.00} ) Notice of Violation & <em>Complaint</em> <em>Summary</em> ( Copy-Paste Template ) <em>Complaint</em> <em>Summary</em> : I am <em>filing</em> a <em>complaint</em> against XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. account for {$22000.00}. \n\nOn XX/XX/XXXX, I sent a formal <em>dispute</em>/validation request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX No XXXX XXXX confirms delivery to XXXX, CA."]},"sort":[15.79441,"16048630"]},{"_index":"complaint-public-v1","_id":"15954632","_score":15.791509,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint against Wells Fargo Financial Leasing for improper billing and debt collection activity related to an equipment lease ( Contract # XXXX for a XXXX XXXX ). \n\nSince XX/XX/year>, I have requested documentation to justify freight charges and overage fees. Despite no supplies being delivered for over a year and minimal color printing, Wells Fargo continued to bill my account and refused to provide itemized proof of usage or shipments. I made repeated good-faith attempts to resolve the matter and submitted a formal executive escalation with a written dispute summary which went ignored. \n\nNow the company is attempting to refer my account to litigation and collections for an unresolved, disputed amount. This is not only unfair its unethical. I am not refusing to pay. I am requesting a fair and documented adjustment to the account so it can be settled appropriately. I also requested to return the equipment at lease end.","date_sent_to_company":"2025-10-27T22:28:50.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"75062","tags":null,"has_narrative":true,"complaint_id":"15954632","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-09-15T22:44:28.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a <em>complaint</em> against Wells Fargo Financial Leasing for <em>improper</em> billing and debt collection activity related to an equipment lease ( Contract # XXXX for a XXXX XXXX ). \n\nSince XX/XX/year>, I have requested documentation to justify freight charges and overage fees. Despite no supplies being delivered for over a year and minimal color printing, Wells Fargo continued to bill my account and refused to provide itemized proof of usage or shipments."]},"sort":[15.791509,"15954632"]},{"_index":"complaint-public-v1","_id":"15933663","_score":15.783066,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint against Wells Fargo Financial Leasing for improper billing and debt collection activity related to an equipment lease ( Contract # XXXX for a XXXX XXXX ). \n\nSince XX/XX/year>, I have requested documentation to justify freight charges and overage fees. Despite no supplies being delivered for over a year and minimal color printing, Wells Fargo continued to bill my account and refused to provide itemized proof of usage or shipments. I made repeated good-faith attempts to resolve the matter and submitted a formal executive escalation with a written dispute summary which went ignored. \n\nNow the company is attempting to refer my account to litigation and collections for an unresolved, disputed amount. This is not only unfair its unethical. I am not refusing to pay. I am requesting a fair and documented adjustment to the account so it can be settled appropriately. I also requested to return the equipment at lease end.","date_sent_to_company":"2025-10-27T22:14:10.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"75062","tags":null,"has_narrative":true,"complaint_id":"15933663","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-09-15T22:09:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a <em>complaint</em> against Wells Fargo Financial Leasing for <em>improper</em> billing and debt collection activity related to an equipment lease ( Contract # XXXX for a XXXX XXXX ). \n\nSince XX/XX/year>, I have requested documentation to justify freight charges and overage fees. Despite no supplies being delivered for over a year and minimal color printing, Wells Fargo continued to bill my account and refused to provide itemized proof of usage or shipments."]},"sort":[15.783066,"15933663"]},{"_index":"complaint-public-v1","_id":"11695234","_score":15.707004,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Bull City Financial Solutions for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nSummary of Complaint Failure to Validate Debt : On XX/XX/XXXX, I sent a certified letter ( attached ) to Bull City Financial Solutions requesting immediate validation of an alleged debt ( Reference # XXXX ) and demanding cessation of any credit reporting activities until the debt was validated. To date, Bull City Financial Solutions has failed to adequately respond to my request as required by law. \nImproper Credit Reporting : Despite my dispute and lack of validation, Bull City Financial Solutions reported this alleged debt as a negative mark on my credit reports to XXXX, XXXX, and XXXX. This reporting occurred in violation of the FDCPA, which prohibits collection activities ( including credit reporting ) while a debt is disputed and validation has not been provided. \nSupporting Details Certified Correspondence Sent : Original Letter : Sent XX/XX/XXXX, requesting validation of the debt and cessation of credit reporting activities. Tracking number : Follow-Up Letter : Sent XX/XX/XXXX, addressing their improper response and credit reporting. Tracking number : XXXX. \n\nBull City Financial Solutions Response : The companys response failed to address the validation request and provided no proof of their right to collect or the accuracy of the alleged debt. Instead, they escalated the matter by improperly reporting the debt to the credit bureaus. \n\nAttachments : My original letter dated XX/XX/XXXX. \nTheir response letter showing their failure to address my dispute. \nDocumentation of the negative reporting on my credit reports.","date_sent_to_company":"2025-01-22T20:17:29.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"34606","tags":"Servicemember","has_narrative":true,"complaint_id":"11695234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2025-01-22T20:02:43.000Z","state":"FL","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau, I am <em>filing</em> this formal <em>complaint</em> against Bull City Financial Solutions for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA )."]},"sort":[15.707004,"11695234"]},{"_index":"complaint-public-v1","_id":"13220044","_score":15.685207,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"CFPB Complaint Against Cash App Filed by : XXXX XXXX XXXX Account Email : [ XXXX ] Phone : [ XXXX ] Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Complaint Summary : I am filing a complaint against Cash App ( Block , Inc. ) regarding the mishandling of two disputed transactions on my account : Transaction 1 : Date : XX/XX/year> Amount : {$200.00} Merchant : XXXXXXXX XXXX XXXX XXXXXXXX Transaction 2 : Date : XX/XX/year> Amount : {$4900.00} Merchant : XXXX XXXX XXXX  XXXX I initiated disputes for both transactions, stating that the charges were unauthorized or charged incorrectly. For the {$200.00} charge, I provided evidence that I had already paid the merchant through another method. For the {$4900.00} charge, I explained that I was billed twice for the same service a clear duplicate transaction. \n\nDespite providing receipts, supporting documents, and an explanation, Cash App summarily denied both disputes, claiming the transactions were authorized based solely on information provided by the merchant. Cash App failed to conduct a fair or reasonable investigation as required by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and Regulation E.\n\nCash Apps actions violate consumer protection laws in the following ways : Improperly relying solely on merchant information without independent investigation.\n\nFailing to properly review or consider the consumer evidence I submitted.\n\nDenying the dispute within 1 business day, showing no meaningful investigation was conducted.\n\nFailing to provide provisional credit while the disputes were under review, as required when a reasonable investigation can not be completed within a short time.\n\nI formally requested a reinvestigation citing these violations but have not received appropriate corrective action.","date_sent_to_company":"2025-04-28T09:07:50.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"701XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13220044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-04-28T09:00:01.000Z","state":"LA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> Against Cash App <em>Filed</em> by : XXXX XXXX XXXX Account Email : [ XXXX ] Phone : [ XXXX ] Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX <em>Complaint</em> <em>Summary</em> : I am <em>filing</em> a <em>complaint</em> against Cash App ( Block , Inc. ) regarding the mishandling of two <em>disputed</em> transactions on my account : Transaction 1 : Date : XX/XX/year> Amount : {$200.00} Merchant : XXXXXXXX XXXX XXXX XXXXXXXX Transaction 2 : Date : XX/XX/year> Amount : {$4900.00} Merchant : XXXX XXXX XXXX  XXXX I initiated <em>disputes</em> for both"]},"sort":[15.685207,"13220044"]},{"_index":"complaint-public-v1","_id":"18644810","_score":15.525103,"_source":{"product":"Prepaid card","complaint_what_happened":"XX/XX/2026 CFPB Complaint Non-Delivery & Improper Dispute Handling Summary : I am submitting this complaint regarding Currents mishandling of my dispute for orders placed with Elecrow ( {$170.00} ) and XXXX ( {$210.00} ), shipped via XXXX. Both shipments were never received. The carrier left the packages unsecured at my door, took a photo, and did not notify me. As a result, the packages were stolen immediately. \n\nIssue with Current : Current denied my chargeback and claimed no error found, despite clear federal and state law violations. \nRepresentative XXXX repeatedly refused to file my appeal, relying on generic responses and requesting additional evidence that is not legally required for non-delivery disputes. \nThe denial and refusal to escalate constitute negligent and potentially unlawful dispute handling. \n\nLegal Basis : FTC Act 45 Prohibits unfair or deceptive acts or practices. \nXXXX XXXX XXXX XXXX Requires delivery of goods as promised. \nApplicable state consumer protection statutes ( e.g., CA Civ. Code 1770, NY Gen. Bus. Law 349 ). \nBy ignoring these laws, both the merchants and Current are exposing themselves to legal liability.","date_sent_to_company":"2026-01-12T09:41:23.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"97211","tags":null,"has_narrative":true,"complaint_id":"18644810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2026-01-12T09:18:48.000Z","state":"OR","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["XX/XX/2026 CFPB <em>Complaint</em> Non-Delivery & <em>Improper</em> <em>Dispute</em> Handling <em>Summary</em> : I am submitting this <em>complaint</em> regarding Currents mishandling of my <em>dispute</em> for orders placed with Elecrow ( {$170.00} ) and XXXX ( {$210.00} ), shipped via XXXX. Both shipments were never received. The carrier left the packages unsecured at my door, took a photo, and did not notify me. As a result, the packages were stolen immediately."],"sub_issue":["Card company isn't resolving a <em>dispute</em> about a purchase or transfer"]},"sort":[15.525103,"18644810"]},{"_index":"complaint-public-v1","_id":"18320116","_score":15.4234085,"_source":{"product":"Credit card","complaint_what_happened":"Consumer Financial Protection Bureau Complaint I am submitting this complaint against Comenity Capital Bank regarding an improper denial of a credit card dispute for services not rendered. \n\nAccount Information : Issuer : Comenity Capital Bank ( XXXX XXXX XXXX XXXX XXXX ) Account ending : XXXX Disputed charge : {$1000.00} Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transaction date : XXXX XXXX XXXX Summary of Complaint : I purchased airline tickets from XXXX XXXX XXXX for future travel. Before the services were provided, XXXX  XXXX XXXX entered liquidation on XXXX XXXX XXXX. As a result, the flights were never provided, and I was forced to purchase replacement airfare at additional cost. \n\nI filed a timely dispute with Comenity Capital Bank for services not rendered. Despite clear documentation that the merchant entered bankruptcy and could not provide the purchased services, Comenity denied my dispute on XXXX XXXX XXXX  stating that the charge was valid. \n\nThe denial was based on a procedural technicality, asserting that I must attempt recovery through the Icelandic bankruptcy liquidator before a chargeback can be honored. This is unreasonable and contrary to Visa dispute rules, which allow chargebacks when services are not rendered due to merchant insolvency, particularly when recovery through liquidation is speculative, impractical, and unlikely. \n\nThe trustee letter provided confirms that consumers must file unsecured claims in a foreign bankruptcy estate with no guarantee of recovery. This does not constitute a reasonable avenue of resolution. Comenity failed to properly advocate on my behalf and improperly closed the dispute.\n\nAdditionally, Comenity allowed interest to accrue on this disputed charge, further compounding the financial harm. \n\nRequested Resolution : Immediate reversal of the {$1000.00} charge Reimbursement or waiver of all interest and fees associated with this charge Correction of Comenitys dispute handling and reconsideration under Visa services not rendered / merchant bankruptcy provisions I am requesting CFPB assistance to ensure compliance with federal consumer protection standards and proper application of card network dispute rules.","date_sent_to_company":"2025-12-27T18:53:52.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"21222","tags":null,"has_narrative":true,"complaint_id":"18320116","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-12-27T18:38:04.000Z","state":"MD","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau <em>Complaint</em> I am submitting this <em>complaint</em> against Comenity Capital Bank regarding an <em>improper</em> denial of a credit card <em>dispute</em> for services not rendered. \n\nAccount Information : Issuer : Comenity Capital Bank ( XXXX XXXX XXXX XXXX XXXX ) Account ending : XXXX <em>Disputed</em> charge : {$1000.00} Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transaction date : XXXX XXXX XXXX <em>Summary</em> of <em>Complaint</em> : I purchased airline tickets from XXXX XXXX XXXX for future travel."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[15.4234085,"18320116"]},{"_index":"complaint-public-v1","_id":"18296544","_score":15.414151,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this as a new CFPB complaint and escalation related to prior CFPB Complaint ID XXXX, which is now closed. This complaint concerns unlawful post-judgment collection activity, specifically the recording of a writ of fieri facias ( fi. fa. ) / property lien against my property based on a debt-collection lawsuit that involved false or unsubstantiated claims and unresolved disputes. \n\nTimeline summary : XX/XX/XXXX : A claim notice and summons was filed on behalf of Midland Credit Management XXXX XXXX, as alleged assignee of XXXX XXXX Bank, XXXX. \n\nXX/XX/XXXX : I was personally served. \n\nXX/XX/XXXX : I filed an Answer and a Counterclaim for {$1500.00}, disputing the debt and alleging falsified claims and lack of standing. \n\nXX/XX/XXXX : I filed a Motion to Dismiss with Prejudice for falsified claims and lack of proper documentation. \n\nXX/XX/XXXX : Trial occurred. My motion and counterclaim were acknowledged but not substantively addressed. Judgment was entered for the plaintiff, and my counterclaim was denied. \n\nXX/XX/XXXX : XXXX, XXXX, XXXX, XXXX filed an Affidavit and Request for Writ of Fieri Facias, despite ongoing disputes and unresolved documentation issues. \n\nXX/XX/XXXX : A fi. fa. / property lien was recorded against my property. \n\nBasis of my complaint : The debt collector and its law firm proceeded with post-judgment lien enforcement without providing sufficient, admissible proof of ownership, standing, or accurate accounting of the alleged debt. \n\nThe collectors CFPB response acknowledged discrepancies and stated that investigation into the law firms conduct was ongoing, yet lien activity continued while that investigation was unresolved. \n\nThe collector referenced a {$100.00} payment that I dispute and for which no proof has been provided. \n\nThe company requested credit reporting agencies to cease reflecting the collection tradeline, yet simultaneously allowed or directed its law firm to escalate enforcement through a recorded lien, which is contradictory and misleading. \n\nPost-judgment documents were mailed in a manner I believe was improper and intimidating, including court-related filings sent to my home while disputes were pending. \n\nThe filing and recording of the fi. fa. has caused financial harm, emotional distress, and risk to my property rights, despite unresolved questions about the debts validity and the collectors compliance with consumer protection laws. \n\nI believe this conduct constitutes unfair, deceptive, or abusive acts or practices, including false or unsubstantiated representations, abuse of legal process, and improper escalation to property lien enforcement.","date_sent_to_company":"2025-12-26T16:24:25.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"30269","tags":null,"has_narrative":true,"complaint_id":"18296544","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-12-26T16:15:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["I am <em>filing</em> this as a new CFPB <em>complaint</em> and escalation related to prior CFPB <em>Complaint</em> ID XXXX, which is now closed. This <em>complaint</em> concerns unlawful post-judgment collection activity, specifically the recording of a writ of fieri facias ( fi. fa. ) / property lien against my property based on a debt-collection lawsuit that involved false or unsubstantiated claims and unresolved <em>disputes</em>."]},"sort":[15.414151,"18296544"]},{"_index":"complaint-public-v1","_id":"15206011","_score":15.326978,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against Andreu , Palma , Lavin & Solis , PLLC, acting on behalf of XXXX XXXX XXXX, for pursuing a fraudulent debt that resulted from identity theft and for attempting to secure a judgment against me despite being provided with clear proof the account is not mine. I oppose Plaintiffs Motion for Summary Judgment because there are clear and material facts in dispute that require a trial. I have already submitted a sworn affidavit, an FTC Identity Theft Report, an FTC Fraud Report, and a police report all showing that the alleged account resulted from identity theft and was never authorized by me. Plaintiff has not produced a valid contract with my signature or admissible proof that I am responsible for this debt. Their evidence consists of incomplete or hearsay records that can not prove ownership or liability. These disputes over the origin, validity, and enforceability of the alleged debt make summary judgment improper, and the motion should be denied so the matter can proceed to trial. In XX/XX/XXXX, I filed my Answer and Motion in XXXX XXXX, Florida court and served the law firm with all my supporting documentation. I also provided proof that my personal information was compromised when my lost wallet was recovered by someone else, and in XX/XX/XXXX, I filed an FBI complaint after being hacked. Despite receiving this documentation months ago, they have chosen to ignore it and escalate their efforts by filing a Motion for Summary Judgment. Their actions violate Florida Statute 817.568, which makes the fraudulent use of personal identification information a criminal offense and gives victims the right to have fraudulent accounts blocked and removed. They also violate Florida Statute 559.72 ( 9 ) of the Florida Consumer Collection Practices Act, which prohibits attempting to collect a debt that is known to be illegitimate. Additionally, the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) requires furnishers and their agents to ensure the accuracy of information they report and to promptly delete or correct any information found to be inaccurate or unverifiable. By continuing to pursue this fraudulent account, they are participating in the furnishing and enforcement of false information, causing ongoing harm to my credit, reputation, and personal well-being. I have complied with every legal requirement for an identity theft victim, provided substantial documented proof, and acted in good faith. Instead of correcting the record and ceasing collection efforts, Andreu , Palma , Lavin & Solis , PLLC has escalated legal action against me. I am requesting that the CFPB investigate this matter, require the immediate withdrawal of their Motion for Summary Judgment, and ensure the permanent deletion of all records related to this fraudulent account from my credit file.","date_sent_to_company":"2025-08-11T23:41:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"32835","tags":null,"has_narrative":true,"complaint_id":"15206011","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Andreu, Palma & Andreu, PL","date_received":"2025-08-11T23:27:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["These <em>disputes</em> over the origin, validity, and enforceability of the alleged debt make <em>summary</em> judgment <em>improper</em>, and the motion should be denied so the matter can proceed to trial. In XX/XX/XXXX, I <em>filed</em> my Answer and Motion in XXXX XXXX, Florida court and served the law firm with all my supporting documentation. I also provided proof that my personal information was compromised when my lost wallet was recovered by someone else, and in XX/XX/XXXX, I <em>filed</em> an FBI <em>complaint</em> after being hacked."]},"sort":[15.326978,"15206011"]},{"_index":"complaint-public-v1","_id":"16241431","_score":15.095543,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX this was debited. \nComplaint Summary : I am filing a complaint against JPMorgan Chase Bank regarding a disputed transaction of {$1200.00} that was wrongfully decided in favor of the merchant. Chase refused to provide me with the merchants identity, details of the transaction, or proof that I authorized the charge. Instead, they told me to contact WePay  at a generic email ( XXXX ) and claimed the merchant has no phone number. \n\nWePay  is a Chase-owned payment processor, yet Chase insists XXXX is not part of them and refuses to provide me with the actual merchant name. My account has now been debited {$1200.00}, placing it into a negative balance, and Chase continues to deny responsibility. \n\nDetails : Transaction amount : {$1200.00} Dispute filed : [ insert date you filed dispute ] Chase denied dispute without providing documentation. \n\nChase refused to disclose merchant name or provide proof of authorization. \n\nChase only gave me a generic support email ( XXXX ), which is not adequate. \n\nChase stated it is my responsibility to contact the merchant directly. \n\nViolations : Under the Fair Credit Billing Act ( for credit card transactions ) or Regulation XXXX ( for debit card transactions ), Chase is required to investigate and provide documentation of disputed transactions. \n\nChase failed to provide sufficient information to allow me to recognize or verify the charge. \n\nChase improperly shifted the burden to me by requiring that I contact a third-party processor ( WePay ), even though Chase itself XXXX the transaction.","date_sent_to_company":"2025-09-29T19:30:01.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"16241431","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-29T19:02:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Summary</em> : I am <em>filing</em> a <em>complaint</em> against JPMorgan Chase Bank regarding a <em>disputed</em> transaction of {$1200.00} that was wrongfully decided in favor of the merchant. Chase refused to provide me with the merchants identity, details of the transaction, or proof that I authorized the charge. Instead, they told me to contact WePay  at a generic email ( XXXX ) and claimed the merchant has no phone number."]},"sort":[15.095543,"16241431"]},{"_index":"complaint-public-v1","_id":"16313915","_score":14.980014,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Improper Credit Reporting and Account Updates by XXXX XXXX XXXX Summary : I am filing a complaint regarding XXXX XXXX XXXX for continuing to report and make changes to an account that should not be reporting on my credit file. \n\nDetails : Between XX/XX/year> and XX/XX/year>, a new remark code ( Fixed Rate ) was added to the account reported by XXXX XXXX XXXX on my credit report. \n\nThis account has already been disputed multiple times. It was previously deleted/removed, yet it continues to reappear with new remarks and updates without proper verification or notice. \n\nThe addition of this remark code is misleading and creates the appearance of new or valid activity, which may constitute re-aging of the account. \n\nThis is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a proper reinvestigation. 15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate information after notice of dispute.\n\n15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to provide notice of reinsertion after deletion.","date_sent_to_company":"2025-10-02T22:11:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"716XX","tags":null,"has_narrative":true,"complaint_id":"16313915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-02T22:10:37.000Z","state":"AR","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : <em>Improper</em> Credit Reporting and Account Updates by XXXX XXXX XXXX <em>Summary</em> : I am <em>filing</em> a <em>complaint</em> regarding XXXX XXXX XXXX for continuing to report and make changes to an account that should not be reporting on my credit <em>file</em>. \n\nDetails : Between XX/XX/year> and XX/XX/year>, a new remark code ( Fixed Rate ) was added to the account reported by XXXX XXXX XXXX on my credit report. \n\nThis account has already been <em>disputed</em> multiple 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