{"took":766,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":14632,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9091025","_score":20.544508,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to request a notarized statement on your letterhead confirming compliance with the Fair Credit Billing Act ( FCBA ) regarding my account during the period of my association with your company.\n\nAs you are aware, the FCBA mandates accurate billing, timely provision of statements to the correct address, acknowledgment of address change requests, appropriate handling of disputed charges, and the prompt and lawful provision of requested account information.\n\nIn accordance with these requirements, I kindly request that you provide a notarized statement affirming your company 's compliance with the FCBA in general and specifically regarding my account","date_sent_to_company":"2024-05-24T17:57:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33511","tags":null,"has_narrative":true,"complaint_id":"9091025","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-24T17:51:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to request a notarized statement on your letterhead confirming <em>compliance</em> with the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ) regarding my account during the period of my association with your company.\n\nAs you are aware, the <em>FCBA</em> mandates accurate <em>billing</em>, timely provision of statements to the correct address, acknowledgment of address change requests, appropriate handling of disputed charges, and the prompt and lawful provision of requested account information."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[20.544508,"9091025"]},{"_index":"complaint-public-v1","_id":"9091472","_score":20.522688,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to request a notarized statement on your letterhead confirming compliance with the Fair Credit Billing Act ( FCBA ) regarding my account during the period of my association with your company. \n\nAs you are aware, the FCBA mandates accurate billing, timely provision of statements to the correct address, acknowledgment of address change requests, appropriate handling of disputed charges, and the prompt and lawful provision of requested account information. \n\nIn accordance with these requirements, I kindly request that you provide a notarized statement affirming your company 's compliance with the FCBA in general and specifically regarding my account","date_sent_to_company":"2024-05-24T17:58:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33511","tags":null,"has_narrative":true,"complaint_id":"9091472","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-24T17:58:05.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to request a notarized statement on your letterhead confirming <em>compliance</em> with the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ) regarding my account during the period of my association with your company. \n\nAs you are aware, the <em>FCBA</em> mandates accurate <em>billing</em>, timely provision of statements to the correct address, acknowledgment of address change requests, appropriate handling of disputed charges, and the prompt and lawful provision of requested account information."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[20.522688,"9091472"]},{"_index":"complaint-public-v1","_id":"9091471","_score":20.522688,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to request a notarized statement on your letterhead confirming compliance with the Fair Credit Billing Act ( FCBA ) regarding my account during the period of my association with your company.\n\nAs you are aware, the FCBA mandates accurate billing, timely provision of statements to the correct address, acknowledgment of address change requests, appropriate handling of disputed charges, and the prompt and lawful provision of requested account information.\n\nIn accordance with these requirements, I kindly request that you provide a notarized statement affirming your company 's compliance with the FCBA in general and specifically regarding my account","date_sent_to_company":"2024-05-24T17:58:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33511","tags":null,"has_narrative":true,"complaint_id":"9091471","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-24T17:58:05.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to request a notarized statement on your letterhead confirming <em>compliance</em> with the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ) regarding my account during the period of my association with your company.\n\nAs you are aware, the <em>FCBA</em> mandates accurate <em>billing</em>, timely provision of statements to the correct address, acknowledgment of address change requests, appropriate handling of disputed charges, and the prompt and lawful provision of requested account information."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[20.522688,"9091471"]},{"_index":"complaint-public-v1","_id":"10795048","_score":18.288555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( FCBA ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the FCBA.\n\nAs you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least 21 days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. \n\nDespite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ).\n\nProvide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with FCBA guidelines. \n\nCorrect my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. \n\nEnsure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least 21 days before the due date, as required by law. \n\nThis issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the FCBA, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate.\n\nPlease acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.","date_sent_to_company":"2024-11-14T21:18:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"10795048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-14T21:18:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to follow up on previous disputes regarding the failure of your company to send my <em>billing</em> statements in a timely manner, in violation of the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ), specifically 15 U.S. Code 1666b."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.288555,"10795048"]},{"_index":"complaint-public-v1","_id":"10795047","_score":18.25106,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( FCBA ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the FCBA.\n\nAs you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least 21 days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties.\n\nDespite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ).\n\nProvide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with FCBA guidelines.\n\nCorrect my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. \n\nEnsure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least 21 days before the due date, as required by law. \n\nThis issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the FCBA, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate.\n\nPlease acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.","date_sent_to_company":"2024-11-14T21:18:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"10795047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-14T21:18:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to follow up on previous disputes regarding the failure of your company to send my <em>billing</em> statements in a timely manner, in violation of the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ), specifically 15 U.S. Code 1666b."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.25106,"10795047"]},{"_index":"complaint-public-v1","_id":"18919027","_score":17.978523,"_source":{"product":"Credit card","complaint_what_happened":"Capital One has willfully refused to apply the Fair Credit Billing Act ( FCBA ) to my dispute, violating federal law. Despite my clear FCBA claim regarding substandard professional veterinary services, they incorrectly treat it as a \" services not received '' claim. Their response dated XX/XX/scrub>XXXX XXXX XXXX, ignores my formal rebuttal and fails to address the FCBA 's \" quality of services '' provisions ( 15 U.S.C. 1666 ( i ) ; 12 CFR 1026.13 ( a ) ( 3 ) ). They have provided no legal justification for this omission. I am submitting a formal legal demand for FCBA compliance. This is a new complaint regarding their systemic failure to adhere to federal consumer protection law in their dispute resolution process.","date_sent_to_company":"2026-01-22T12:15:08.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"01108","tags":"Older American","has_narrative":true,"complaint_id":"18919027","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-22T12:01:15.000Z","state":"MA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Capital One has willfully refused to apply the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ) to my dispute, violating federal law. Despite my clear <em>FCBA</em> claim regarding substandard professional veterinary services, they incorrectly treat it as a \" services not received '' claim. Their response dated XX/XX/scrub>XXXX XXXX XXXX, ignores my formal rebuttal and fails to address the <em>FCBA</em> 's \" quality of services '' provisions ( 15 U.S.C. 1666 ( i ) ; 12 CFR 1026.13 ( a ) ( 3 ) )."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[17.978523,"18919027"]},{"_index":"complaint-public-v1","_id":"8121307","_score":17.945248,"_source":{"product":"Debt collection","complaint_what_happened":"I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). According to the Fair Credit Billing Act, it is imperative that accurate billing procedures are followed, statements are sent to the correct address, change of address requests are acknowledged, and disputed charges are handled in accordance with legal requirements. Additionally, the Act mandates that you promptly provide lawfully requested information about my account upon my request. In adherence to the FCBA, I request that you furnish a notarized statement on your official letterhead, confirming your compliance with the FCBA in general and specifically with regards to my account throughout my tenure as a customer. Account Details : XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.","date_sent_to_company":"2024-01-08T02:34:11.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"92705","tags":null,"has_narrative":true,"complaint_id":"8121307","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-08T02:29:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["According to the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act, it is imperative that accurate <em>billing</em> procedures are followed, statements are sent to the correct address, change of address requests are acknowledged, and disputed charges are handled in accordance with legal requirements. Additionally, the Act mandates that you promptly provide lawfully requested information about my account upon my request."]},"sort":[17.945248,"8121307"]},{"_index":"complaint-public-v1","_id":"8121319","_score":17.877424,"_source":{"product":"Debt collection","complaint_what_happened":"I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). According to the Fair Credit Billing Act, it is imperative that accurate billing procedures are followed, statements are sent to the correct address, change of address requests are acknowledged, and disputed charges are handled in accordance with legal requirements. Additionally, the Act mandates that you promptly provide lawfully requested information about my account upon my request. In adherence to the FCBA, I request that you furnish a notarized statement on your official letterhead, confirming your compliance with the FCBA in general and specifically with regards to my account throughout my tenure as a customer. Account Details : XXXX XXXX XXXX.","date_sent_to_company":"2024-01-08T02:34:09.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"92705","tags":null,"has_narrative":true,"complaint_id":"8121319","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-08T02:29:16.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["According to the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act, it is imperative that accurate <em>billing</em> procedures are followed, statements are sent to the correct address, change of address requests are acknowledged, and disputed charges are handled in accordance with legal requirements. Additionally, the Act mandates that you promptly provide lawfully requested information about my account upon my request."]},"sort":[17.877424,"8121319"]},{"_index":"complaint-public-v1","_id":"10470772","_score":17.689281,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against TransUnion for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1. Violation of Payment Timeliness ( FCBA, 15 U.S.C. 1666 ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors. \nLegal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records. \n2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with TransUnion, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors. \nLegal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages.\n\n3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections. \nLegal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers. \n4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like XXXX XXXX XXXXXXXX must provide accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX XXXX XXXXXXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded.\n\n5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FCRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do. \nLegal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages. \n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX XXXX CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:19:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470772","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-17T02:19:46.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear CFPB, I am submitting this formal complaint under the <em>Fair</em> <em>Credit</em> Reporting Act ( FCRA ), 15 U.S.C. 1681, and the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ), 15 U.S.C. 1666, against TransUnion for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.689281,"10470772"]},{"_index":"complaint-public-v1","_id":"10470751","_score":17.689281,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against TransUnion for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1. Violation of Payment Timeliness ( FCBA, 15 U.S.C. 1666 ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors. \nLegal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records. \n2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with TransUnion, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors. \nLegal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages. \n3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections. \nLegal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers. \n4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like BXXXX XXXX XXXXXXXX must provide accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX  XXXX XXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded. 5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FC\nRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do. \nLegal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages. \n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX XXXX  CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:19:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470751","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-17T01:39:39.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear CFPB, I am submitting this formal complaint under the <em>Fair</em> <em>Credit</em> Reporting Act ( FCRA ), 15 U.S.C. 1681, and the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ), 15 U.S.C. 1666, against TransUnion for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.689281,"10470751"]},{"_index":"complaint-public-v1","_id":"10470325","_score":17.689281,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against Experian for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1. Violation of Payment Timeliness ( FCBA, 15 U.S.C. 1666 ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors.\n\nLegal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records.\n\n2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with Experian, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors.\n\nLegal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages.\n\n3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections.\n\nLegal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers.\n\n4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like XXXX XXXX  XXXX must provide accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX  XXXX XXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded.\n\n5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FCRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do. \nLegal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages. \n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX XXXX  CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:34:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470325","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-17T02:34:31.000Z","state":"MA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Dear CFPB, I am submitting this formal complaint under the <em>Fair</em> <em>Credit</em> Reporting Act ( FCRA ), 15 U.S.C. 1681, and the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ), 15 U.S.C. 1666, against Experian for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.689281,"10470325"]},{"_index":"complaint-public-v1","_id":"10470326","_score":17.650864,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against Experian for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1. Violation of Payment Timeliness ( FCBA, 15 U.S.C. 1666 ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors.\n\nLegal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records.\n\n2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with Experian, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors. \nLegal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages.\n\n3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections.\n\nLegal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers. \n4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like XXXX XXXX  XXXX must provide accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX  XXXX XXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded.\n\n5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FCRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do.\n\nLegal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages. \n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX XXXX  CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:34:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470326","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-17T02:34:31.000Z","state":"MA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Dear CFPB, I am submitting this formal complaint under the <em>Fair</em> <em>Credit</em> Reporting Act ( FCRA ), 15 U.S.C. 1681, and the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ), 15 U.S.C. 1666, against Experian for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.650864,"10470326"]},{"_index":"complaint-public-v1","_id":"10470817","_score":17.615984,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against TransUnion for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1. Violation of Payment Timeliness ( FCBA, 15 U.S.C. 1666 ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors. \nLegal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records. \n2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with TransUnion, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors. \nLegal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages. \n3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections. \nLegal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers. \n4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like XXXX XXXX XXXXXXXX must provide accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX XXXX XXXXXXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded.\n\n5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FCRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do. \nLegal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages. \n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX XXXX  CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:19:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470817","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-17T02:19:46.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear CFPB, I am submitting this formal complaint under the <em>Fair</em> <em>Credit</em> Reporting Act ( FCRA ), 15 U.S.C. 1681, and the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ), 15 U.S.C. 1666, against TransUnion for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.615984,"10470817"]},{"_index":"complaint-public-v1","_id":"10470221","_score":17.593603,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against Equifax for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1. Violation of Payment Timeliness\n\n( FCBA, 15 U.S.C. 1666 ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors.\n\nLegal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records. \n2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with Equifax, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors.\n\nLegal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages.\n\n3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections.\n\nLegal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers.\n\n4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like XXXX XXXX XXXX must provide accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX XXXX XXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded.\n\n5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FCRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do.\n\nLegal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages. \n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX Firm CC : Attorney Generals Office CC : XXXX XXXX XXXX : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:48:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470221","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-17T02:35:17.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Dear CFPB, I am submitting this formal complaint under the <em>Fair</em> <em>Credit</em> Reporting Act ( FCRA ), 15 U.S.C. 1681, and the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ), 15 U.S.C. 1666, against Equifax for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.593603,"10470221"]},{"_index":"complaint-public-v1","_id":"15493267","_score":17.58826,"_source":{"product":"Credit card","complaint_what_happened":"In XXXX, I was charged {$690.00} for a booking made through XXXX. I disputed this charge with my credit card issuer because the service was not properly provided. I submitted documentation and supporting evidence multiple times. \n\nDespite my repeated attempts, the dispute has remained unresolved for over XXXX years. My credit card issuer failed to comply with the Fair Credit Billing Act ( FCBA ), which requires that billing disputes be investigated and resolved within XXXX billing cycles, not exceeding 90 days. \n\nMy issuer has not provided a meaningful resolution, has continued to uphold the charge, and has failed to complete the dispute process in a timely and lawful manner. This delay is unreasonable and in direct violation of federal consumer protection laws. \n\nI am requesting a full reversal/refund of the {$690.00} charge, confirmation that the dispute will be properly investigated and resolved in compliance with the FCBA, and assurance that no negative credit reporting has resulted from this mishandled dispute.","date_sent_to_company":"2025-08-25T21:38:14.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90703","tags":null,"has_narrative":true,"complaint_id":"15493267","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-08-25T21:27:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I disputed this charge with my <em>credit</em> card issuer because the service was not properly provided. I submitted documentation and supporting evidence multiple times. \n\nDespite my repeated attempts, the dispute has remained unresolved for over XXXX years. My <em>credit</em> card issuer failed to comply with the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ), which requires that <em>billing</em> disputes be investigated and resolved within XXXX <em>billing</em> cycles, not exceeding 90 days."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[17.58826,"15493267"]},{"_index":"complaint-public-v1","_id":"10910962","_score":17.571486,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint to address unresolved billing disputes on my Bank of America credit card account ending in XXXX. Despite initiating multiple disputes and following the necessary procedures, I am concerned that these claims are not being resolved in compliance with the timeframes mandated by federal law. Furthermore, if any of these disputes have indeed been resolved, the inaccurate information presented in Bank of America 's online portal is a violation of consumer protection regulations. \n\nThe specific details of the disputes are as follows : XXXX. Claim ID : XXXX Amount : {$160.00} Date Opened : XX/XX/year> Current Status : Step XXXX of XXXX ( Claim request received ) Concern : Although this claim is relatively new, I seek assurance that it will be resolved within the timeframe mandated under the Fair Credit Billing Act ( FCBA ), which requires disputes to be resolved within XXXX billing cycles or 90 days, whichever is sooner. \n\nXXXX. Claim ID : XXXX Amount : {$88.00} Date Opened : XX/XX/year> Current Status : Step 2 of 3 ( Researching ) Concern : This claim has been under \" researching '' status for over a month. While this timeframe does not yet exceed the FCBA limit of 90 days, the lack of clear communication or an expected resolution date is concerning and leaves room for potential non-compliance. \n\nXXXX. Claim ID : XXXX Amount : {$11.00} Date Opened : XX/XX/year> Current Status : Step XXXX of XXXX ( Researching ) Concern : Nearly XXXX months ( over 150 days ) have passed since this claim was opened, far exceeding the resolution timeline mandated under the FCBA. No updates have been provided to clarify the delay. \n\nXXXX. Claim ID : XXXX Amount : {$58.00} Date Opened : XX/XX/year> Current Status : Step XXXX of XXXX ( Researching ) Concern : This dispute has been pending for over XXXX months. The prolonged \" researching '' status significantly exceeds the legal limit of XXXX billing cycles for dispute resolution. \n\nXXXX. Claim ID : XXXX Amount : {$140.00} Date Opened : XX/XX/year> Current Status : Step XXXX of XXXX ( Researching ) Concern : Open for over XXXX months, this claim has not been resolved in compliance with the FCBA. \nViolations of Applicable Laws Fair Credit Billing Act ( FCBA ) Violations The FCBA ( 15 U.S.C. 1666 ) mandates that creditors must acknowledge billing error disputes within 30 days and resolve them within XXXX billing cycles ( not exceeding 90 days ). Disputes XXXX, XXXX, and XXXX have far exceeded this timeframe without resolution or adequate explanation. These delays constitute clear non-compliance with FCBA requirements. \n\nFair Credit Reporting Act ( FCRA ) Violations If any of the disputes have been resolved but are inaccurately marked as unresolved in Bank of America 's portal, this constitutes a violation of the FCRA ( 15 U.S.C. 1681s-2 ). This provision requires furnishers of information to maintain accurate consumer records. The portal 's inaccuracies mislead consumers and regulators alike and fail to uphold statutory requirements for record accuracy.\n\nUnfair or Deceptive Acts or Practices ( UDAP ) Prolonged delays and inaccurate record-keeping may also qualify as Unfair or Deceptive Acts or Practices ( UDAP ), prohibited under Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ). The lack of transparency and failure to resolve disputes in a timely manner harms consumers and undermines trust.\n\nI have attached a PDF record from Bank of America 's communication portal, demonstrating the lack of progress and transparency on these claims. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate regulatory action to ensure compliance. \n\nThank you for your attention to this serious matter.","date_sent_to_company":"2024-11-23T17:27:21.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20009","tags":null,"has_narrative":true,"complaint_id":"10910962","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-11-23T17:15:08.000Z","state":"DC","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":["Violations of Applicable Laws <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ) Violations The <em>FCBA</em> ( 15 U.S.C. 1666 ) mandates that creditors must acknowledge <em>billing</em> error disputes within 30 days and resolve them within XXXX <em>billing</em> cycles ( not exceeding 90 days ). Disputes XXXX, XXXX, and XXXX have far exceeded this timeframe without resolution or adequate explanation. These delays constitute clear non-<em>compliance</em> with <em>FCBA</em> requirements."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[17.571486,"10910962"]},{"_index":"complaint-public-v1","_id":"10470269","_score":17.351315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against Equifax for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, XXXX detail the violations and applicable laws : XXXX. Violation of XXXX XXXX ( XXXX, XXXX XXXX. XXXX ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors.\n\nLegal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records.\n\n2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with Equifax, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors.\n\nLegal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages.\n\n3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections.\n\nLegal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers.\n\n4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like XXXXXXXX XXXX XXXX XXXX XXXX accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX  XXXX XXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded.\n\n5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FCRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do.\n\nLegal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages.\n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX Firm CC : Attorney Generals Office CC : XXXX XXXX XXXX : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:48:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-17T02:48:17.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX ) Under the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ), 15 U.S.C. 1666, creditors are required to correct <em>billing</em> errors, including misreporting of payments made on time. In this case, the <em>credit</em> reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the <em>FCBA</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.351315,"10470269"]},{"_index":"complaint-public-v1","_id":"16539387","_score":17.24865,"_source":{"product":"Debt collection","complaint_what_happened":"To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Complaint Against American Express for Incomplete Resolution of FCBA Dispute Dear CFPB, I am submitting this complaint against American Express regarding the inaccurate and unresolved reporting of a disputed account on my credit report.\n\nAccount Information : Creditor : American Express Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account in dispute under the Fair Credit Billing Act Account Closed at Credit Grantors Request Reporting Address : XXXX XXXX XXXX  XXXX XXXX, TX XXXX This account currently reports no balance or payment history, yet it remains listed as potentially negative despite my having disputed the account. American Express has not provided any documentation or explanation supporting the accuracy of this entry or confirming that the FCBA billing dispute has been properly resolved.\n\nUnder the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), a creditor is required to : Conduct a prompt and thorough investigation of billing disputes ; Provide written notice of the results of that investigation within 30 days ; and Cease reporting disputed charges until the matter is resolved.\n\nAmerican Express has failed to provide verification, a billing statement, or any supporting evidence of the alleged account activity, yet continues to report the item as in dispute and closed at credit grantors request, which negatively affects my credit standing.\n\nI am requesting that the CFPB investigate this matter and require American Express to either : Provide documented proof that this account and any charges were valid and resolved in compliance with the FCBA ; or Remove the account entirely from my credit report if no verifiable obligation exists.\n\nAttached are identification copies and relevant credit report excerpts for your review.\n\nThank you for your time and assistance in ensuring compliance with federal consumer protection laws. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-10-13T20:13:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"60612","tags":null,"has_narrative":true,"complaint_id":"16539387","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-10-13T20:01:02.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Under the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( 15 U.S.C. 1666 ) and the <em>Fair</em> <em>Credit</em> Reporting Act ( 15 U.S.C. 1681i ), a creditor is required to : Conduct a prompt and thorough investigation of <em>billing</em> disputes ; Provide written notice of the results of that investigation within 30 days ; and Cease reporting disputed charges until the matter is resolved."],"sub_product":["<em>Credit</em> card debt"]},"sort":[17.24865,"16539387"]},{"_index":"complaint-public-v1","_id":"17759113","_score":17.10551,"_source":{"product":"Credit card","complaint_what_happened":"I was charged an incorrect, in the amount of XXXX which i did not authorize, or benefit from under the fair credit billing act ( FCBA ) 15.usc.1666 and Regulation Z I'm not liable for unauthorized credit card transactions. My liability for this charge is XXXX. \n\nI was also charged undisclosed fees, which I didn't agree to. These fees violate the disclosure requirements outlined in Truth in lending act ( TILA Regulation Z, which mandates that all fees must be clearly disclosed before being charged.\n\nThis dispute is being filed under the Fair Credit reporting act ( FCRA ).\n\nRequested Action : Immediate removal of overcharged fee Removal of unauthorized charges A full investigation in compliance with FCBA and TILA No interest, late fees or negative credit reporting.\n\nAlso i file prior complaint and i was ignored","date_sent_to_company":"2025-12-04T23:32:02.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"92374","tags":null,"has_narrative":true,"complaint_id":"17759113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-12-04T23:10:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unexpected increase in interest rate"},"highlight":{"complaint_what_happened":["I was charged an incorrect, in the amount of XXXX which i did not authorize, or benefit from under the <em>fair</em> <em>credit</em> <em>billing</em> act ( <em>FCBA</em> ) 15.usc.1666 and Regulation Z I'm not liable for unauthorized <em>credit</em> card transactions. My liability for this charge is XXXX. \n\nI was also charged undisclosed fees, which I didn't agree to."],"product":["<em>Credit</em> card"],"sub_product":["Store <em>credit</em> card"]},"sort":[17.10551,"17759113"]},{"_index":"complaint-public-v1","_id":"11018432","_score":17.034138,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding an issue with XXXX XXXX that has caused significant frustration and inconvenience. Despite my efforts to resolve this matter directly with XXXX XXXX, the issue remains unresolved. \n\nDetails of the Complaint : Unresolved Billing Discrepancy : XXXX XXXX has reported an incorrect or disputed balance on my account. Despite multiple attempts to obtain clarification and resolution, they have failed to provide accurate billing statements or a clear explanation of the charges. \nFailure to Provide Proper Documentation : I have requested detailed billing records to validate the charges and confirm the accuracy of the amount owed. However, XXXX XXXX has not provided the requested documentation in compliance with federal consumer protection laws. \nNegative Impact on Credit Report : XXXX XXXX has reported this disputed balance to the credit bureaus, negatively impacting my XXXX XXXX. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), which requires furnishers of information to ensure the accuracy of the data they report and to investigate disputes promptly. \nRelevant Consumer Protection Laws : Fair Credit Billing Act ( FCBA ) : Under the FCBA, consumers have the right to dispute billing errors on credit card or utility accounts and must receive a timely response. XXXX XXXX 's failure to respond to my dispute violates these provisions. \nFair Credit Reporting Act ( FCRA ) : XXXX XXXX is required to ensure the accuracy of the information reported to the credit bureaus and to investigate disputes promptly. \nState Utility Regulations : XXXX XXXX may also be in violation of state-level consumer protection laws governing utility billing practices and dispute resolution. \nResolution Requested : Investigation and Documentation : I request that XXXX XXXX provide a detailed and itemized statement of the charges in question, along with all supporting documentation, to validate the disputed balance. \nRemoval of Negative Credit Reporting : I request the immediate removal of the negative information XXXX XXXX has reported to the credit bureaus regarding this account until the dispute is fully resolved. \nAssurance of Compliance : XXXX XXXX must take steps to ensure compliance with federal and state consumer protection laws in handling disputes and reporting accurate information. \nRefund or Adjustment : If the charges are determined to be invalid, I request a full adjustment or refund of any overpayments related to the disputed balance.\n\nI trust that the Consumer Financial Protection Bureau will investigate this matter and assist in ensuring compliance with applicable laws.\n\nThank you for your attention to this complaint.","date_sent_to_company":"2024-12-04T22:38:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"11018432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-04T22:34:32.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Relevant Consumer Protection Laws : <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ) : Under the <em>FCBA</em>, consumers have the right to dispute <em>billing</em> errors on <em>credit</em> card or utility accounts and must receive a timely response. XXXX XXXX 's failure to respond to my dispute violates these provisions. \n<em>Fair</em> <em>Credit</em> Reporting Act ( FCRA ) : XXXX XXXX is required to ensure the accuracy of the information reported to the <em>credit</em> bureaus and to investigate disputes promptly."]},"sort":[17.034138,"11018432"]},{"_index":"complaint-public-v1","_id":"16272666","_score":17.01957,"_source":{"product":"Credit card","complaint_what_happened":"I disputed a {$1600.00} charge from XXXX XXXX ( dated XX/XX/year> ) on my Capital One credit card. The merchandise ( a desk ) arrived with a hidden defect ( a chip ) shortly after delivery, which makes it not delivered as agreed under the Fair Credit Billing Act ( FCBA ).\n\nCapital One closed my dispute claiming I lacked information and told me to deal directly with the merchant, despite the fact that I had already provided details of the defect and XXXX XXXX refusal to resolve the issue. Capital One did not specify what additional information was needed, and they closed my case without conducting a full investigation. \n\nThis is not consistent with the FCBA, which requires the creditor to investigate and resolve disputes within two billing cycles ( not more than 90 days ). I am requesting that Capital One reopen my dispute, conduct a proper investigation, and provide a resolution in compliance with the law.","date_sent_to_company":"2025-09-30T16:05:32.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"341XX","tags":null,"has_narrative":true,"complaint_id":"16272666","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-09-30T15:53:29.000Z","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":["I disputed a {$1600.00} charge from XXXX XXXX ( dated XX/XX/year> ) on my Capital One <em>credit</em> card. The merchandise ( a desk ) arrived with a hidden defect ( a chip ) shortly after delivery, which makes it not delivered as agreed under the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ).\n\nCapital One closed my dispute claiming I lacked information and told me to deal directly with the merchant, despite the fact that I had already provided details of the defect and XXXX XXXX refusal to resolve the issue."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[17.01957,"16272666"]},{"_index":"complaint-public-v1","_id":"9812323","_score":16.96954,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"-- - **XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX IN XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX Subject : Complaint Against Credit Acceptance for Violation of FCBA ( 15 U.S.C . 1666b ) and Incorrect Address Reporting Dear Sir/Madam, I am writing to formally lodge a complaint against Credit Acceptance Corporation for failing to provide mandatory billing disclosures as required under the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and for inaccurately reporting my address. According to my records, XXXX XXXX has my address listed as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, which is actually a mall, and not a residential address. My actual address, as noted above, is XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, IN XXXX. \n\nFor over XXXX years as a client of Credit Acceptance, I have not received the necessary billing disclosures that are legally mandated. This lack of compliance has significantly impaired my ability to manage and understand the terms of my credit. The incorrect address listing has further complicated this situation, potentially affecting my credit and personal records.\n\nI request that the CFPB investigate these issues to ensure compliance with the FCBA and correct any erroneous information regarding my address in their records. I expect a resolution that includes a correction of my address, a comprehensive disclosure of all past billing information, and an assurance of future compliance with legal standards. \n\nEnclosed are copies of my communications with Credit Acceptance and any other pertinent documents that support my claim. \n\nThank you for your attention to these serious matters. I look forward to your prompt response and resolution. \n\n\nXXXX XXXX XXXX XXXX","date_sent_to_company":"2024-08-15T20:38:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46323","tags":null,"has_narrative":true,"complaint_id":"9812323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2024-08-15T20:09:38.000Z","state":"IN","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":["-- - **XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX IN XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX Subject : Complaint Against <em>Credit</em> Acceptance for Violation of <em>FCBA</em> ( 15 U.S.C . 1666b ) and Incorrect Address Reporting Dear Sir/Madam, I am writing to formally lodge a complaint against <em>Credit</em> Acceptance Corporation for failing to provide mandatory <em>billing</em> disclosures as required under the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( 15 U.S.C. 1666b ) and for inaccurately"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"company":["<em>CREDIT</em> ACCEPTANCE CORPORATION"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.96954,"9812323"]},{"_index":"complaint-public-v1","_id":"16423161","_score":16.619585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Capital One unlawfully closed my credit card account, added unauthorized charges after payoff, and reported false late payments in violation of federal law. \n\nMy Capital One credit card ( ending in XXXX ) was wrongfully closed for alleged fraud, even after I verified by phone that all purchases were legitimate and made by me. Capital One confirmed my identity and the validity of the transactions, yet still closed the account and flagged it for fraud. \n\nAfter closure, I paid my entire balance in full, which brought the account to a {$0.00} balance. A Capital One representative again confirmed that I owed nothing further and that my account was fully settled. \n\nMonths later, Capital One added new interest charges to this already-paid account without any written notice, statement, or disclosure. These fabricated charges were never communicated to me, and I received no billing statement or email alert. Capital One then reported a 60-day late payment to XXXX XXXX XXXX XXXX on an account that had already been paid in full and closed.\n\nThis conduct is false, deceptive, and unlawful, constituting multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Truth in Lending Act ( TILA ), including : FCRA 602 ( a ) Guarantees consumers the right to accurate and fair credit reporting.\n\nFCRA 607 ( b ) Requires furnishers to maintain the maximum possible accuracy of information reported.\n\nFCRA 611 ( a ) Requires a full and fair reinvestigation of disputed information.\n\nFCRA 623 ( a ) ( 1 ) ( A ) Prohibits reporting information known or reasonably known to be inaccurate.\n\nFCRA 616 & 617 Establish civil liability for willful and negligent non-compliance.\n\nFCBA 15 U.S.C. 1666 ( a ) Prohibits billing for unauthorized or undisclosed charges and requires written notice before assessing new balances.\n\nTILA 15 U.S.C. 1637 ( b ) Requires clear disclosure of finance charges and outstanding balances. \n\nCapital Ones actions show willful disregard for federal consumer-protection laws. They closed my account for false fraud, charged undisclosed interest after full payment, and furnished knowingly false information to credit bureaus, damaging my credit score and reputation.\n\nDEMAND FOR DELETION AND CORRECTION : I am demanding that Capital One and the credit bureaus immediately : 1. Permanently delete every inaccurate late-payment entry including the false 60-day late from my credit reports with XXXX XXXX XXXX XXXX .\n\n2. Correct the account status to Paid as Agreed/ Closed by Lender No Delinquency.\n\n3. Remove all references to fraud or delinquency related to this account.\n\n4. Confirm in writing within 30 days that the account reflects a {$0.00} balance and full compliance with FCRA 611 ( a ) and 623 ( b ).\n\nCapital Ones conduct constitutes willful non-compliance under FCRA 616 617 and illegal post-billing under FCBA 1666 ( a ). These violations have caused measurable financial and emotional harm.\n\nI request that the Consumer Financial Protection Bureau investigate and compel Capital One to delete the inaccurate data, correct my credit reports, and ensure full compliance with the FCRA, FCBA, and TILA.","date_sent_to_company":"2025-10-07T15:46:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29223","tags":null,"has_narrative":true,"complaint_id":"16423161","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-10-07T15:40:41.000Z","state":"SC","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["This conduct is false, deceptive, and unlawful, constituting multiple violations of the <em>Fair</em> <em>Credit</em> Reporting Act ( FCRA ), the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ), and the Truth in Lending Act ( TILA ), including : FCRA 602 ( a ) Guarantees consumers the right to accurate and <em>fair</em> <em>credit</em> reporting.\n\nFCRA 607 ( b ) Requires furnishers to maintain the maximum possible accuracy of information reported.\n\nFCRA 611 ( a ) Requires a full and <em>fair</em> reinvestigation of disputed information."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[16.619585,"16423161"]},{"_index":"complaint-public-v1","_id":"17065038","_score":16.53003,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Goldman Sachs Bank USA XXXX Apple Card ) for negligent, inaccurate, and unlawful credit reporting in violation of the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 623 & 611 ).\n\nGoldman Sachs Bank USA has reported my Apple Card account ( ending in 3619 ) as a charge-off with a balance of {$13000.00} and a charge-off date of XX/XX/2024. \nThis reporting is factually inaccurate and negligent because the alleged balance includes returned and refunded merchandise that I do not owe. I disputed these transactions directly with Apple Card, but the account was closed without proper investigation or correction. \nGoldman Sachs Bank then reported the account as charged off to XXXX XXXX and XXXX, despite the fact that the debt was invalid and subject to dispute. This represents a failure to investigate a billing error as required under the FCBA and a negligent furnishing of false information under the FCRA. \nTheir actions show gross negligence and disregard for consumer protections, as they : Failed to verify the accuracy of returned/refunded charges. \nIgnored my direct dispute and documentation. \nContinued to report false data, damaging my credit reputation. \nCaused financial and emotional harm through credit score reduction and reputational damage.\n\nI am requesting that Goldman Sachs Bank USA ( Apple Card ) : Conduct a full FCBA investigation into the returned/refunded transactions. \nAcknowledge their negligence in handling this billing error. \nCease furnishing inaccurate data and delete the Apple Card tradeline from all credit bureaus. \nProvide written confirmation of deletion or correction.I request the CFPB to ensure Goldman Sachs corrects and deletes this inaccurate tradeline and reviews its compliance and negligence in handling billing error investigations for Apple Card accounts.","date_sent_to_company":"2025-11-06T23:55:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35749","tags":null,"has_narrative":true,"complaint_id":"17065038","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-11-06T23:41:41.000Z","state":"AL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am filing this complaint against Goldman Sachs Bank USA XXXX Apple Card ) for negligent, inaccurate, and unlawful <em>credit</em> reporting in violation of the <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em>, 15 U.S.C. 1666 ) and the <em>Fair</em> <em>Credit</em> Reporting Act ( FCRA, 15 U.S.C. 623 & 611 ).\n\nGoldman Sachs Bank USA has reported my Apple Card account ( ending in 3619 ) as a charge-off with a balance of {$13000.00} and a charge-off date of XX/XX/2024."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.53003,"17065038"]},{"_index":"complaint-public-v1","_id":"11029685","_score":16.527819,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding an issue with XXXX XXXX that has caused significant frustration and inconvenience. Despite my efforts to resolve this matter directly with XXXX XXXX, the issue remains unresolved. \n\nDetails of the Complaint : Unresolved Billing Discrepancy : XXXX XXXX has reported an incorrect or disputed balance on my account. Despite multiple attempts to obtain clarification and resolution, they have failed to provide accurate billing statements or a clear explanation of the charges. \nFailure to Provide Proper Documentation : I have requested detailed billing records to validate the charges and confirm the accuracy of the amount owed. However, XXXX XXXX has not provided the requested documentation in compliance with federal consumer protection laws. \nNegative Impact on Credit Report : XXXX XXXX has reported this disputed balance to the credit bureaus, negatively impacting my credit score. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), which requires furnishers of information to ensure the accuracy of the data they report and to investigate disputes promptly.\n\nRelevant Consumer Protection Laws : Fair Credit Billing Act ( FCBA ) : Under the FCBA, consumers have the right to dispute billing errors on credit card or utility accounts and must receive a timely response. XXXX XXXX 's failure to respond to my dispute violates these provisions. \nFair Credit Reporting Act ( FCRA ) : XXXX XXXX is required to ensure the accuracy of the information reported to the credit bureaus and to investigate disputes promptly. \nState Utility Regulations : XXXX XXXX may also be in violation of state-level consumer protection laws governing utility billing practices and dispute resolution. \nResolution Requested : Investigation and Documentation : I request that XXXX XXXX provide a detailed and itemized statement of the charges in question, along with all supporting documentation, to validate the disputed balance. \nRemoval of Negative Credit Reporting : I request the immediate removal of the negative information XXXX XXXX has reported to the credit bureaus regarding this account until the dispute is fully resolved. \nAssurance of Compliance : XXXX XXXX must take steps to ensure compliance with federal and state consumer protection laws in handling disputes and reporting accurate information. \nRefund or Adjustment : If the charges are determined to be invalid, I request a full adjustment or refund of any overpayments related to the disputed balance. \nI trust that the Consumer Financial Protection Bureau will investigate this matter and assist in ensuring compliance with applicable laws. \n\nThank you for your attention to this complaint.","date_sent_to_company":"2024-12-04T22:33:46.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"11029685","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-04T22:28:14.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Relevant Consumer Protection Laws : <em>Fair</em> <em>Credit</em> <em>Billing</em> Act ( <em>FCBA</em> ) : Under the <em>FCBA</em>, consumers have the right to dispute <em>billing</em> errors on <em>credit</em> card or utility accounts and must receive a timely response. XXXX XXXX 's failure to respond to my dispute violates these provisions. \n<em>Fair</em> <em>Credit</em> Reporting Act ( FCRA ) : XXXX XXXX is required to ensure the accuracy of the information reported to the <em>credit</em> bureaus and to investigate disputes promptly."]},"sort":[16.527819,"11029685"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":14632,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":14632}]}},"product":{"doc_count":14632,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":14265,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":14264},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit 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