{"took":147,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3222,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16818376","_score":17.36037,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against PennyMac Loan Services , LLC for Inaccurate Credit Reporting During Federal COVID-19 Forbearance Dear Consumer Financial Protection Bureau , I am submitting this complaint regarding PennyMac Loan Services , LLC, my former mortgage servicer, for inaccurate and damaging credit reporting related to my federally protected COVID-19 mortgage forbearance period.\n\nDuring the height of the COVID-19 pandemic, my mortgage account with PennyMac was placed under an approved federal forbearance protection program authorized under the CARES Act and related federal relief provisions. Under this program, borrowers were granted temporary payment relief due to pandemic-related hardship, and servicers were expressly prohibited from reporting adverse informationsuch as delinquent or late paymentsto the credit bureaus during any approved forbearance period.\n\nDespite my compliance with all forbearance requirements, PennyMac reported two 30-day late payments during this protected timeframe. These derogatory marks have remained on my credit report for over two years, significantly reducing my credit score and affecting my ability to obtain favorable credit terms for future purchases.\n\nWhen I contacted PennyMac to dispute this issue, they responded that negative credit reporting was not part of the federal relief program. This statement is factually inaccurate and contradicts the intent and provisions of federal mortgage forbearance protections enacted under the CARES Act. The primary purpose of these programs was precisely to prevent negative credit reporting for borrowers affected by a national emergency or natural disaster.\n\nFurthermore, this mortgage account has been completely paid off and should no longer reflect any derogatory information. Yet, the two inaccurate late payments continue to appear on my credit report.\n\nI respectfully request the CFPB to : Investigate PennyMac Loan Services , LLC for improper credit reporting practices during a federally protected forbearance period.\n\nRequire PennyMac to correct all inaccurate late payment information and ensure my credit report accurately reflects that no late payments occurred during forbearance.\n\nEnsure compliance with CARES Act provisions designed to protect consumers from credit harm during federally declared emergencies.\n\nEnclosed are supporting documents, including my payment history, correspondence with PennyMac, and a copy of my credit report reflecting the inaccurate entries.\n\nThank you for your attention to this matter. I request acknowledgment of this complaint and prompt corrective action to restore the accuracy of my credit reporting.","date_sent_to_company":"2025-10-25T06:29:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"330XX","tags":"Servicemember","has_narrative":true,"complaint_id":"16818376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2025-10-25T06:17:28.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I respectfully request the CFPB to : Investigate PennyMac Loan Services , LLC for improper credit reporting practices <em>during</em> a <em>federally</em> protected forbearance period.\n\nRequire PennyMac to correct all inaccurate late payment information and ensure my credit report accurately reflects that no late payments occurred <em>during</em> forbearance.\n\nEnsure <em>compliance</em> with CARES Act provisions designed to protect <em>consumers</em> from credit harm <em>during</em> <em>federally</em> declared emergencies."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.36037,"16818376"]},{"_index":"complaint-public-v1","_id":"16819685","_score":17.34164,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against XXXX XXXX XXXX, XXXX for Inaccurate Credit Reporting During Federal COVID-19 Forbearance Dear Consumer Financial Protection Bureau , I am submitting this complaint regarding XXXXXXXX XXXX XXXXXXXX XXXX XXXX, my former mortgage servicer, for inaccurate and damaging credit reporting related to my federally protected COVID-19 mortgage forbearance period.\n\nDuring the height of the COVID-19 pandemic, my mortgage account with XXXX was placed under an approved federal forbearance protection program authorized under the CARES Act and related federal relief provisions. Under this program, borrowers were granted temporary payment relief due to pandemic-related hardship, and servicers were expressly prohibited from reporting adverse informationsuch as delinquent or late paymentsto the credit bureaus during any approved forbearance period.\n\nDespite my compliance with all forbearance requirements, XXXX reported two 30-day late payments during this protected timeframe. These derogatory marks have remained on my credit report for over two years, significantly reducing my credit score and affecting my ability to obtain favorable credit terms for future purchases.\n\nWhen I contacted XXXX to dispute this issue, they responded that negative credit reporting was not part of the federal relief program. This statement is factually inaccurate and contradicts the intent and provisions of federal mortgage forbearance protections enacted under the CARES Act. The primary purpose of these programs was precisely to prevent negative credit reporting for borrowers affected by a national emergency or natural disaster.\n\nFurthermore, this mortgage account has been completely paid off and should no longer reflect any derogatory information. Yet, the two inaccurate late payments continue to appear on my credit report.\n\nI respectfully request the CFPB to : Investigate XXXX XXXX XXXX, XXXX for improper credit reporting practices during a federally protected forbearance period.\n\nRequire XXXX to correct all inaccurate late payment information and ensure my credit report accurately reflects that no late payments occurred during forbearance.\n\nEnsure compliance with CARES Act provisions designed to protect consumers from credit harm during federally declared emergencies.\n\nEnclosed are supporting documents, including my payment history, correspondence with XXXX, and a copy of my credit report reflecting the inaccurate entries.\n\nThank you for your attention to this matter. I request acknowledgment of this complaint and prompt corrective action to restore the accuracy of my credit reporting.","date_sent_to_company":"2025-10-25T06:29:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"330XX","tags":"Servicemember","has_narrative":true,"complaint_id":"16819685","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-10-25T06:29:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I respectfully request the CFPB to : Investigate XXXX XXXX XXXX, XXXX for improper credit reporting practices <em>during</em> a <em>federally</em> protected forbearance period.\n\nRequire XXXX to correct all inaccurate late payment information and ensure my credit report accurately reflects that no late payments occurred <em>during</em> forbearance.\n\nEnsure <em>compliance</em> with CARES Act provisions designed to protect <em>consumers</em> from credit harm <em>during</em> <em>federally</em> declared emergencies."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.34164,"16819685"]},{"_index":"complaint-public-v1","_id":"17829321","_score":16.586777,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I financed a XX/XX/XXXXXXXX ( last XXXX digits of XXXX XXXX ) with American Credit Acceptance , LLC. Despite my formal dispute of the account and repeated requests for validation, the lender failed to provide any documentation. \nDuring this unresolved dispute, my vehicle was repossessed by XXXX XXXXXX/XX/XXXX This repossession occurred without proper validation and during an active dispute, which constitutes a violation of federal and state consumer protection laws. \nI am requesting that the CFPB investigate this matter, ensure compliance with applicable lending regulations, and assist in the return of my vehicle and title.","date_sent_to_company":"2025-11-23T02:06:40.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"89074","tags":null,"has_narrative":true,"complaint_id":"17829321","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Credit Acceptance, LLC","date_received":"2025-11-23T01:41:17.000Z","state":"NV","company_public_response":null,"sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["<em>During</em> this unresolved dispute, my vehicle was repossessed by XXXX XXXXXX/XX/XXXX This repossession occurred without proper validation and <em>during</em> an active dispute, which constitutes a violation of <em>federal</em> and state <em>consumer</em> <em>protection</em> laws. \nI am requesting that the CFPB investigate this matter, ensure <em>compliance</em> with applicable lending regulations, and assist in the return of my vehicle and title."]},"sort":[16.586777,"17829321"]},{"_index":"complaint-public-v1","_id":"11873990","_score":15.874825,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to formally dispute certain charges that have been reported to my credit file, as I believe they are inaccurate or incorrect. I request a full and fair investigation of these charges in accordance with the Fair Credit Reporting Act ( FCRA ) and related laws. Additionally, I request that any corrections be made to my credit report once the dispute is resolved. \n\nAs a veteran who served on XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ), which includes relief from certain interest rates and fees on accounts incurred during active duty service. I believe some of the charges reported may violate SCRA protections, and I request that the proper legal considerations be applied during your investigation. \n\nThe following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am also aware that Equifax is currently under investigation for its handling of consumer disputes. In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes. The CFPB found that Equifax : Ignored consumer documents and evidence Allowed inaccurate information to be reinserted into credit reports Sent confusing and conflicting letters to consumers Used flawed software code in its dispute resolution process As a result of these findings, Equifax was ordered to bring its dispute resolution processes into compliance with federal law and pay the {$15.00} XXXX penalty to the CFPBs victims relief fund. Given these findings, I request that my dispute be handled with the utmost care and in full compliance with federal law. \n\nPlease ensure that your investigation is thorough and that the necessary corrections are made to my credit report if the charges are found to be inaccurate. I also ask that the protections afforded under the SCRA be considered for any charges or interest assessed during my period of active duty. Accurate credit reporting is crucial for my financial wellbeing, and I appreciate your prompt attention to this matter. \n\nPlease notify me of the outcome of your investigation at the address listed above or by email at [ Your Email Address ]. \n\nThank you for your attention to this issue.","date_sent_to_company":"2025-01-31T20:56:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33174","tags":"Servicemember","has_narrative":true,"complaint_id":"11873990","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-31T20:56:33.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Given these findings, I request that my dispute be handled with the utmost care and in full <em>compliance</em> with <em>federal</em> law. \n\nPlease ensure that your investigation is thorough and that the necessary corrections are made to my credit report if the charges are found to be inaccurate. I also ask that the <em>protections</em> afforded under the SCRA be considered for any charges or interest assessed <em>during</em> my period of active duty."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.874825,"11873990"]},{"_index":"complaint-public-v1","_id":"11873987","_score":15.846883,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to formally dispute certain charges that have been reported to my credit file, as I believe they are inaccurate or incorrect. I request a full and fair investigation of these charges in accordance with the Fair Credit Reporting Act ( FCRA ) and related laws. Additionally, I request that any corrections be made to my credit report once the dispute is resolved. \n\nAs a veteran who served on XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ), which includes relief from certain interest rates and fees on accounts incurred during active duty service. I believe some of the charges reported may violate SCRA protections, and I request that the proper legal considerations be applied during your investigation. \n\nThe following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am also aware that Equifax is currently under investigation for its handling of consumer disputes. In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes. The CFPB found that Equifax : Ignored consumer documents and evidence Allowed inaccurate information to be reinserted into credit reports Sent confusing and conflicting letters to consumers Used flawed software code in its dispute resolution process As a result of these findings, Equifax was ordered to bring its dispute resolution processes into compliance with federal law and pay the {$15.00} XXXX penalty to the CFPBs victims relief fund. Given these findings, I request that my dispute be handled with the utmost care and in full compliance with federal law. \n\nPlease ensure that your investigation is thorough and that the necessary corrections are made to my credit report if the charges are found to be inaccurate. I also ask that the protections afforded under the SCRA be considered for any charges or interest assessed during my period of active duty. Accurate credit reporting is crucial for my financial wellbeing, and I appreciate your prompt attention to this matter. \n\nPlease notify me of the outcome of your investigation at the address listed above or by email at [ Your Email Address ]. \n\nThank you for your attention to this issue.","date_sent_to_company":"2025-01-31T20:56:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33174","tags":"Servicemember","has_narrative":true,"complaint_id":"11873987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T20:56:33.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Given these findings, I request that my dispute be handled with the utmost care and in full <em>compliance</em> with <em>federal</em> law. \n\nPlease ensure that your investigation is thorough and that the necessary corrections are made to my credit report if the charges are found to be inaccurate. I also ask that the <em>protections</em> afforded under the SCRA be considered for any charges or interest assessed <em>during</em> my period of active duty."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.846883,"11873987"]},{"_index":"complaint-public-v1","_id":"11874039","_score":15.820999,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to formally dispute certain charges that have been reported to my credit file, as I believe they are inaccurate or incorrect. I request a full and fair investigation of these charges in accordance with the Fair Credit Reporting Act ( FCRA ) and related laws. Additionally, I request that any corrections be made to my credit report once the dispute is resolved. \n\nAs a veteran who served on XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ), which includes relief from certain interest rates and fees on accounts incurred during active duty service. I believe some of the charges reported may violate SCRA protections, and I request that the proper legal considerations be applied during your investigation. \n\nThe following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am also aware that Equifax is currently under investigation for its handling of consumer disputes. In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes. The CFPB found that Equifax : Ignored consumer documents and evidence Allowed inaccurate information to be reinserted into credit reports Sent confusing and conflicting letters to consumers Used flawed software code in its dispute resolution process As a result of these findings, Equifax was ordered to bring its dispute resolution processes into compliance with federal law and pay the {$15.00} XXXX penalty to the CFPBs victims relief fund. Given these findings, I request that my dispute be handled with the utmost care and in full compliance with federal law. \n\nPlease ensure that your investigation is thorough and that the necessary corrections are made to my credit report if the charges are found to be inaccurate. I also ask that the protections afforded under the SCRA be considered for any charges or interest assessed during my period of active duty. Accurate credit reporting is crucial for my financial wellbeing, and I appreciate your prompt attention to this matter. \n\nPlease notify me of the outcome of your investigation at the address listed above or by email at [ Your Email Address ]. \n\nThank you for your attention to this issue.","date_sent_to_company":"2025-01-31T20:56:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33174","tags":"Servicemember","has_narrative":true,"complaint_id":"11874039","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-31T20:52:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Given these findings, I request that my dispute be handled with the utmost care and in full <em>compliance</em> with <em>federal</em> law. \n\nPlease ensure that your investigation is thorough and that the necessary corrections are made to my credit report if the charges are found to be inaccurate. I also ask that the <em>protections</em> afforded under the SCRA be considered for any charges or interest assessed <em>during</em> my period of active duty."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[15.820999,"11874039"]},{"_index":"complaint-public-v1","_id":"14362575","_score":15.659234,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"From XX/XX/XXXX to XX/XX/XXXX, I was in a situation where I was under the control and influence of others, which led to unauthorized financial activity in my name. During this time, several accounts were opened and used without my knowledge or consent. These accounts do not reflect my financial decisions or activity. \n\nI have filed a police report documenting the situation ( Report # XXXX ) and have provided a self-attestation in accordance with the protections available under the National Defense Authorization Act ( NDAA ). \n\nI am requesting the removal of all fraudulent and inaccurate information from my credit report in compliance with applicable federal consumer protection laws. Thank you for your time and consideration in addressing this matter.","date_sent_to_company":"2025-07-01T05:08:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60628","tags":null,"has_narrative":true,"complaint_id":"14362575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-01T04:45:08.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am requesting the removal of all fraudulent and inaccurate information from my credit report in <em>compliance</em> with applicable <em>federal</em> <em>consumer</em> <em>protection</em> laws. Thank you for your time and consideration in addressing this matter."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.659234,"14362575"]},{"_index":"complaint-public-v1","_id":"22590891","_score":15.658651,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding what I believe may be discriminatory and unfair lending practices during my application process with Golden 1 Credit Union.\n\nDuring the underwriting process, I was repeatedly asked to provide excessive and highly sensitive documentation despite already submitting valid identification and current pay stubs verifying my income and employment. The process continuously changed without clear explanation, and the underwriting requirements appeared inconsistent and subjective.\n\nI have prior paid auto loan history and established credit, yet I was treated as though my income and identity were inherently suspicious. I found the questioning and escalating documentation demands to be intrusive, excessive, and inconsistent with my prior experiences with other financial institutions. \n\nAs an XXXX American consumer, this experience raised serious concerns regarding whether I was subjected to disparate treatment during the lending and underwriting process. The banking and lending industry has a long documented history of discriminatory practices, including redlining and unequal access to credit for minority consumers. Federal fair lending laws exist specifically to prevent lenders from applying different standards, heightened scrutiny, or subjective barriers based on race or perceived demographic assumptions.\n\nI believe Golden 1s handling of my application may implicate violations of federal consumer protection and fair lending laws, including but not limited to : * The Equal Credit Opportunity Act ( ECOA ), which prohibits discrimination in any aspect of a credit transaction on the basis of race and other protected characteristics; * The Fair Housing Act and broader federal fair lending principles prohibiting discriminatory lending conduct; * Unfair, deceptive, or abusive acts or practices prohibited under federal consumer financial protection laws.\n\nThe repeated requests for additional documentation after sufficient proof of income was already provided created the appearance that my application was being subjected to a higher level of scrutiny than similarly situated applicants. I am requesting a formal investigation into whether Golden 1 applied consistent underwriting standards and whether my application was handled in compliance with federal fair lending requirements.\n\nI request : 1. A full written explanation of the underwriting decisions and documentation demands ; 2. A review of whether fair lending laws and internal compliance procedures were followed ; 3. Preservation and review of all underwriting notes, internal communications, and decision-making records related to my application ; 4. Assurance that discriminatory or disparate treatment did not occur during this process.\n\nConsumers should not be subjected to arbitrary, inconsistent, or potentially discriminatory treatment when applying for financial products.","date_sent_to_company":"2026-05-26T21:27:33.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"94043","tags":null,"has_narrative":true,"complaint_id":"22590891","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDEN 1 CREDIT UNION, THE","date_received":"2026-05-26T21:17:42.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["under <em>federal</em> <em>consumer</em> financial <em>protection</em> laws."]},"sort":[15.658651,"22590891"]},{"_index":"complaint-public-v1","_id":"17285208","_score":15.605573,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Affirm , IncXXXX for multiple violations of the CARES Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ), based on the inaccurate, unlawful, and negligent reporting of my consumer credit accounts during the XXXX pandemic. \n\nThe affected accounts are as follows : Account No. XXXX Account XXXX. XXXX Account XXXX XXXXXXXX Account XXXX. XXXX Account XXXX. XXXX Each of these accounts was negatively reported or charged off between XXXX and XXXX, despite my documented hardship and attempts to communicate with Affirm during the XXXX crisis. \n\nDetails : Between XX/XX/XXXX and late XXXX, I lost my employment as a direct result of the XXXX XXXX. In compliance with the XXXX XXXX guidelines, I contacted Affirm to report my financial hardship and request payment accommodations. Despite my communication and my efforts to make payments, Affirm failed to honor the CARES Acts protections for consumers under financial hardship, and instead : Continued to report late payments and delinquencies during the accommodation period ; Failed to suppress negative reporting during my COVID-related hardship ; and Ultimately charged off multiple accounts even while I was under active hardship communication or attempted payment arrangements. \n\nThis is a direct violation of Section 4021 of the CARES Act, which amended the Fair Credit Reporting Act to require that furnishers of credit information maintain accurate reporting for consumers who receive accommodations or payment arrangements during XXXX. Specifically, if an account was current before an accommodation, the furnisher must continue to report it as current during the accommodation period. Affirm failed to comply with this federal requirement by reporting multiple late payments and charge-offs, effectively penalizing me for circumstances that were protected under federal law. \n\nThe continued reporting of late payments and charge-offs during this period has caused significant damage to my credit history and financial stability. Affirms actions constitute inaccurate furnishing, negligent reporting, and noncompliance with federally mandated CARES Act consumer protections.","date_sent_to_company":"2025-11-16T14:40:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32935","tags":null,"has_narrative":true,"complaint_id":"17285208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-11-16T14:32:36.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Affirm failed to comply with this <em>federal</em> requirement by reporting multiple late payments and charge-offs, effectively penalizing me for circumstances that were protected under <em>federal</em> law. \n\nThe continued reporting of late payments and charge-offs <em>during</em> this period has caused significant damage to my credit history and financial stability. Affirms actions constitute inaccurate furnishing, negligent reporting, and noncompliance with <em>federally</em> mandated CARES Act <em>consumer</em> <em>protections</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[15.605573,"17285208"]},{"_index":"complaint-public-v1","_id":"18045405","_score":15.368168,"_source":{"product":"Debt collection","complaint_what_happened":"I received telephone calls from D2 Management, which identified itself as calling on behalf of XXXX XXXX, regarding an alleged debt. The calls originated from the telephone number XXXX. This alleged account does not appear on my credit report with any consumer reporting agency. I do not recall receiving prior written notice of this alleged debt or authorizing D2 Management to contact me by telephone. \n\nDuring one of these calls, which the representative stated was being recorded, I asked for the physical office location so that I could come in and resolve the matter in person. The representative refused to provide the office address or location and did not explain why this information could not be shared. The interaction was unprofessional, and my request for basic identifying information about the collector was not addressed. \n\nAt no point prior to or during these calls was I provided written validation of the alleged debt, including the amount owed, the basis for the obligation, or notice of my right to dispute or request verification. Because the alleged account is not reported on my credit report and no written validation has been provided, I am concerned that collection activity is occurring without proper verification, transparency, or compliance with federal consumer protection requirements. \n\nI am further concerned that my telephone number is being used for collection purposes without clear documentation of my consent or confirmation that I am the correct consumer to contact. To date, I have not received written validation of the alleged debt, proof of authorization to contact me, or documentation establishing the legitimacy of the claim. \n\nI am requesting that all collection activity cease unless and until proper written validation of the alleged debt is provided and compliance with applicable federal and state consumer protection laws can be demonstrated. I am submitting this complaint so the CFPB can review whether this conduct constitutes deceptive, unfair, or abusive debt collection practices.","date_sent_to_company":"2025-12-15T17:42:19.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"60419","tags":null,"has_narrative":true,"complaint_id":"18045405","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"D2 Management LLC","date_received":"2025-12-15T17:26:30.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["At no point prior to or <em>during</em> these calls was I provided written validation of the alleged debt, including the amount owed, the basis for the obligation, or notice of my right to dispute or request verification. Because the alleged account is not reported on my credit report and no written validation has been provided, I am concerned that collection activity is occurring without proper verification, transparency, or <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> requirements."]},"sort":[15.368168,"18045405"]},{"_index":"complaint-public-v1","_id":"14860405","_score":15.353026,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EXPERIAN SUBSIDIARY CONSUMER RIGHTS VIOLATION Clarity Services XXXX XXXX, \" a part of Experian, '' has systematically violated federal consumer protection law by creating improper roadblocks to consumer credit freeze requests while its parent company, Experian XXXX XXXX XXXX XXXX, is under active CFPB enforcement ( Case XXXX, XXXX. XXXX. ). \n\nVIOLATION TIMELINE : - XX/XX/year> : Submitted credit freeze request with adequate documentation ( full legal name, driver 's license copy, utility bill copy ) - XX/XX/year> : Clarity demanded additional unnecessary documentation ( Social Security card copy ) - XX/XX/year> : Sent regulatory compliance demand citing parent company CFPB enforcement SYSTEMATIC CONSUMER RIGHTS OBSTRUCTION : Clarity Services violated federal consumer protection principles by : 1. UNREASONABLE DOCUMENTATION DEMANDS : Demanding Social Security card copies beyond industry-standard verification ( name, government photo ID, utility bill ) 2. UNNECESSARY SECURITY RISKS : Requesting SSN card copies creates identity theft vulnerabilities without legal justification 3. IMPROPER CONSUMER BARRIERS : Creating obstacles to legitimate consumer rights during the parent company 's federal enforcement period 4. COORDINATED SUBSIDIARY VIOLATIONS : Implementing the same disputed policies that resulted in the CFPB lawsuit against the parent company, XXXX XXXX SUBSIDIARY COORDINATION : This violation demonstrates the systematic consumer protection failures alleged in CFPB XXXX XXXX  XXXX XXXX XXXX XXXX ( Case XXXX ). While XXXX faces federal enforcement for consumer rights violations, its subsidiary, Clarity Services, implements identical obstacle-creation policies. \n\nREGULATORY COORDINATION REQUESTED : This matter should be coordinated with ongoing CFPB enforcement against Experian to address systemic violations across the entire corporate structure, including subsidiary operations that implement disputed parent company policies. \n\nCONSUMER IMPACT : - Privacy rights invasion through unnecessary SSN card demands- Delayed credit protection implementation - Administrative burden beyond reasonable verification standards- Systematic consumer rights obstruction during the federal enforcement period","date_sent_to_company":"2025-07-24T19:32:03.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"98683","tags":"Servicemember","has_narrative":true,"complaint_id":"14860405","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-24T19:23:41.000Z","state":"WA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>CONSUMER</em> IMPACT : - Privacy rights invasion through unnecessary SSN card demands- Delayed credit <em>protection</em> implementation - Administrative burden beyond reasonable verification standards- Systematic <em>consumer</em> rights obstruction <em>during</em> the <em>federal</em> enforcement period"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"sub_product":["Other personal <em>consumer</em> report"]},"sort":[15.353026,"14860405"]},{"_index":"complaint-public-v1","_id":"18210044","_score":15.33694,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint against XXXX XXXX regarding inaccurate credit reporting that I believe violates my rights under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. \n\nDuring the COVID-19 pandemic, I entered into a payment accommodation/forbearance with one or more of my creditors as permitted under the CARES Act. At the time the accommodation was granted, my account ( s ) were current. Under Section 4021 of the CARES Act, furnishers of credit information are required to report accounts as current if they were current before the accommodation and remain in accommodation. \n\nDespite this protection, XXXX  has reported late payments on my consumer credit report for the period during which my account ( s ) were covered by a COVID-19 related accommodation. This reporting is inaccurate, misleading, and inconsistent with federal law. \n\nI have disputed this information with XXXX, yet the inaccurate late payment reporting has remained on my credit file. As a result, I have suffered harm to my credit profile, including negative impacts on my credit score and financial opportunities. \n\nI am requesting that the Consumer Financial Protection Bureau investigate this matter and require XXXX  to : 1. Correct or remove any late payment notations reported during the CARES Act accommodation period.\n\n2, Ensure compliance with the CARES Act and the Fair Credit Reporting Act ( FCRA ).\n\n3. Provide written confirmation that my credit report has been accurately updated. \n\nThank you for your time and assistance in this matter. I appreciate your efforts to protect consumers and enforce federal consumer financial laws.","date_sent_to_company":"2025-12-22T01:41:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33009","tags":null,"has_narrative":true,"complaint_id":"18210044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-22T01:03:12.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I appreciate your efforts to protect <em>consumers</em> and enforce <em>federal</em> <em>consumer</em> financial laws."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[15.33694,"18210044"]},{"_index":"complaint-public-v1","_id":"11911281","_score":15.056445,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a formal complaint against Columbia Debt Recovery LLC, d/b/a Genesis, specifically against XXXX XXXX, a manager at the company, for violating my consumer rights, engaging in discriminatory behavior, and treating me in a hostile and unprofessional manner during a recent debt collection attempt. \nOn XX/XX/year>, I contacted Columbia Debt Recovery regarding a settlement for my account ( # XXXX ). During this call, XXXX XXXX insulted my knowledge of consumer protection rights under federal law, dismissing my understanding of the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. He belittled my efforts to educate myself, stating that my \" XXXX and XXXX education '' would not work with them. \nFurthermore, XXXX XXXX spoke to me in a hostile and inhumane manner, treating me with disrespect and condescension. His aggressive and dismissive tone made it clear that he was unwilling to provide the basic level of service and information that every U.S. citizen is entitled to under federal law. \nIn addition, XXXX XXXX discriminated against me and refused to provide me with further details about my debt beyond stating how they obtained my current address. This refusal to disclose essential information regarding the origination and validation of the debt is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which grants consumers the right to request detailed verification of their debts. His actions suggest a deliberate attempt to deny me my legal right to clarity and fairness in the debt collection process. \nThis behavior is unacceptable and may constitute a violation of my rights under the FDCPA and other consumer protection laws. I request a formal investigation into Columbia Debt Recovery LLC and XXXX XXXX conduct, as well as appropriate corrective action, including : 1. A formal apology from Columbia Debt Recovery and assurance that similar misconduct will not occur in the future. \n2. A full disclosure of my debt details, as required by law.\n\n3. A review of Columbia Debt Recoverys training and compliance practices regarding consumer rights and professional conduct. \n4. Consideration of fines or penalties against the company for discriminatory and unethical collection practices. \nI am prepared to escalate this complaint to additional consumer protection agencies, legal authorities, and media outlets if necessary. I trust that the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General will take this matter seriously.","date_sent_to_company":"2025-02-07T19:13:29.000Z","issue":"Communication tactics","sub_product":"Rental debt","zip_code":"75208","tags":null,"has_narrative":true,"complaint_id":"11911281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2025-02-03T20:28:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["I trust that the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ), <em>Federal</em> Trade Commission ( FTC ), and my State Attorney General will take this matter seriously."]},"sort":[15.056445,"11911281"]},{"_index":"complaint-public-v1","_id":"17753719","_score":14.895147,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint because Navy Federal Credit Union has denied my debit card fraud claim twice for unauthorized transactions totaling {$5300.00}, even though I provided a police report and detailed documentation. \n\nMy personal information was stolen during a vehicle theft incident. Police Report # : XXXX. I did not authorize any of the transactions, did not participate in them, and did not receive any merchandise or benefit of any kind. \n\nNavy Federal denied my claim and my appeal using the same generic message and did not provide : Any evidence that I authorized the transactions Any explanation of how the fraud was determined to be not an error Any documentation from the merchants Any compliance information regarding Regulation E This appears to be a failure to conduct a reasonable investigation as required by Regulation E ( Electronic Fund Transfer Act ).\n\nI am requesting CFPB intervention to : 1. Require Navy Federal to properly investigate the claim 2. Require them to provide documentation supporting their denial 3. Require them to credit the unauthorized amount of {$5300.00} 4. Ensure compliance with all federal consumer protection requirements Thank you for your assistance.","date_sent_to_company":"2025-12-04T19:28:43.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"48044","tags":"Servicemember","has_narrative":true,"complaint_id":"17753719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-04T17:32:08.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Require Navy <em>Federal</em> to properly investigate the claim 2. Require them to provide documentation supporting their denial 3. Require them to credit the unauthorized amount of {$5300.00} 4. Ensure <em>compliance</em> with all <em>federal</em> <em>consumer</em> <em>protection</em> requirements Thank you for your assistance."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"]},"sort":[14.895147,"17753719"]},{"_index":"complaint-public-v1","_id":"8101200","_score":14.882317,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding their handling of an alleged debt associated with account number XXXX. Despite multiple attempts to address this matter directly with the company, they have failed to provide the necessary documentation and have violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nThe details of my complaint are as follows : Failure to Provide Validation : I have repeatedly requested comprehensive validation of the alleged debt, including signed documents establishing my direct ownership. XXXX XXXX XXXX XXXX XXXX has failed to provide this information within the requested timeframe, violating my rights under the FDCPA. \n\nUnlawful Reporting of Disputed Information : Despite the ongoing dispute and lack of validation, XXXX XXXX XXXX XXXX XXXX continues to report the alleged debt to credit bureaus. This is a direct violation of the FCRA, which requires accurate reporting and the cessation of reporting during a dispute. \n\nRefusal to Cooperate : The company has demonstrated a deliberate refusal to cooperate with my requests, ignoring the urgency of the matter and violating their obligations under federal law. \n\nPotential Violations of Identity Fraud Protection : XXXX XXXX XXXX XXXX XXXX 's failure to adequately verify the legitimacy of the alleged debt may constitute negligent enablement of identity fraud, exposing consumers to potential harm. \n\nI have made the company aware of my intention to seek legal action, including potential small claims proceedings, and have provided them with a final opportunity to address the matter amicably. However, their continued non-compliance necessitates the involvement of the Consumer Financial Protection Bureau to ensure the protection of consumer rights. \n\nEnclosed with this complaint, please find copies of all relevant correspondence, including the letters sent to XXXX XXXX XXXX XXXX XXXX, highlighting my attempts to resolve this matter directly. \n\nI kindly request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate actions to ensure compliance with federal consumer protection laws. \n\nThank you for your attention to this matter, and I look forward to a prompt resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-01-03T06:16:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"8101200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-03T06:16:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I kindly request that the <em>Consumer</em> Financial <em>Protection</em> Bureau investigate this complaint thoroughly and take appropriate actions to ensure <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> laws. \n\nThank you for your attention to this matter, and I look forward to a prompt resolution. \n\nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.882317,"8101200"]},{"_index":"complaint-public-v1","_id":"18357312","_score":14.874888,"_source":{"product":"Debt collection","complaint_what_happened":"National Credit Systems , Inc. is furnishing and reporting an alleged debt related to XXXX XXXX XXXX, account number XXXX, in the amount of {$2800.00}, to XXXX, XXXX, and XXXX. \n\nThis account arose during the XXXX pandemic, at a time when I experienced a complete loss of income due to pandemic-related circumstances. Despite this, National Credit Systems is continuing to report the account without providing proper validation, without ensuring accuracy or completeness, and without conducting a reasonable investigation as required by law. \n\nI formally dispute the accuracy, completeness, and legal verifiability of this account. The furnisher has failed to demonstrate that the amount is accurate, that the debt is legally owed, or that it is reporting the account in compliance with federal consumer protection laws.","date_sent_to_company":"2025-12-30T00:20:31.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"27263","tags":null,"has_narrative":true,"complaint_id":"18357312","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-12-30T00:03:57.000Z","state":"NC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The furnisher has failed to demonstrate that the amount is accurate, that the debt is legally owed, or that it is reporting the account in <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> laws."]},"sort":[14.874888,"18357312"]},{"_index":"complaint-public-v1","_id":"8101253","_score":14.865011,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Midland Credit Management , Inc. regarding their handling of an alleged debt associated with account number XXXX. Despite multiple attempts to address this matter directly with the company, they have failed to provide the necessary documentation and have violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nThe details of my complaint are as follows : Failure to Provide Validation : I have repeatedly requested comprehensive validation of the alleged debt, including signed documents establishing my direct ownership. Midland Credit Management , Inc. has failed to provide this information within the requested timeframe, violating my rights under the FDCPA. \n\nUnlawful Reporting of Disputed Information : Despite the ongoing dispute and lack of validation, Midland Credit Management , Inc. continues to report the alleged debt to credit bureaus. This is a direct violation of the FCRA, which requires accurate reporting and the cessation of reporting during a dispute. \n\nRefusal to Cooperate : The company has demonstrated a deliberate refusal to cooperate with my requests, ignoring the urgency of the matter and violating their obligations under federal law. \n\nPotential Violations of Identity Fraud Protection : Midland Credit Management , Inc. 's failure to adequately verify the legitimacy of the alleged debt may constitute negligent enablement of identity fraud, exposing consumers to potential harm. \n\nI have made the company aware of my intention to seek legal action, including potential small claims proceedings, and have provided them with a final opportunity to address the matter amicably. However, their continued non-compliance necessitates the involvement of the Consumer Financial Protection Bureau to ensure the protection of consumer rights. \n\nEnclosed with this complaint, please find copies of all relevant correspondence, including the letters sent to Midland Credit Management , Inc., highlighting my attempts to resolve this matter directly. \n\nI kindly request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate actions to ensure compliance with federal consumer protection laws. \n\nThank you for your attention to this matter, and I look forward to a prompt resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-01-03T06:16:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"8101253","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-01-03T06:03:30.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I kindly request that the <em>Consumer</em> Financial <em>Protection</em> Bureau investigate this complaint thoroughly and take appropriate actions to ensure <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> laws. \n\nThank you for your attention to this matter, and I look forward to a prompt resolution. \n\nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.865011,"8101253"]},{"_index":"complaint-public-v1","_id":"8101201","_score":14.865011,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding their handling of an alleged debt associated with account number XXXX. Despite multiple attempts to address this matter directly with the company, they have failed to provide the necessary documentation and have violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nThe details of my complaint are as follows : Failure to Provide Validation : I have repeatedly requested comprehensive validation of the alleged debt, including signed documents establishing my direct ownership. XXXX XXXX XXXX XXXX XXXX has failed to provide this information within the requested timeframe, violating my rights under the FDCPA. \n\nUnlawful Reporting of Disputed Information : Despite the ongoing dispute and lack of validation, XXXX XXXX XXXX XXXX XXXX continues to report the alleged debt to credit bureaus. This is a direct violation of the FCRA, which requires accurate reporting and the cessation of reporting during a dispute. \n\nRefusal to Cooperate : The company has demonstrated a deliberate refusal to cooperate with my requests, ignoring the urgency of the matter and violating their obligations under federal law. \n\nPotential Violations of Identity Fraud Protection : XXXX XXXX XXXX XXXX XXXX 's failure to adequately verify the legitimacy of the alleged debt may constitute negligent enablement of identity fraud, exposing consumers to potential harm. \n\nI have made the company aware of my intention to seek legal action, including potential small claims proceedings, and have provided them with a final opportunity to address the matter amicably. However, their continued non-compliance necessitates the involvement of the Consumer Financial Protection Bureau to ensure the protection of consumer rights. \n\nEnclosed with this complaint, please find copies of all relevant correspondence, including the letters sent to XXXX XXXX XXXX XXXX XXXX, highlighting my attempts to resolve this matter directly. \n\nI kindly request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate actions to ensure compliance with federal consumer protection laws. \n\nThank you for your attention to this matter, and I look forward to a prompt resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-01-03T06:16:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"8101201","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-03T06:16:48.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I kindly request that the <em>Consumer</em> Financial <em>Protection</em> Bureau investigate this complaint thoroughly and take appropriate actions to ensure <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> laws. \n\nThank you for your attention to this matter, and I look forward to a prompt resolution. \n\nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.865011,"8101201"]},{"_index":"complaint-public-v1","_id":"19811487","_score":14.81535,"_source":{"product":"Debt collection","complaint_what_happened":"I'm filing this complaint as a consumer under the authority of the Consumer Protection Agency Financial Protection Agency Act. I believe m y rights under the federal consumer protection laws have been violated and I am requesting a formal investigation and immediate corrective action. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX ; Member of a financial. \n\nThis matter appears to involve violations under one or more of the following Fair Credit Reporting Act ( FCRA ) inaccurate or incomplete reporting, or failure to investigate disputes, Fair Debt Collection Practices Act ( FDCPA ) - unfair, deceptive, or abusive collection practices.\n\nTruth in lending Act ( TILA ) - failure to provide clear terms orf proper disclosures.\n\nEqual Credit Opportunity Act ( ECOA ) - discrimination in lending or adverse action without notice.\n\nConsumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 ) - in fair, deceptive, or abusive acts or practice.\n\nI request that the CFPB : 1. Conduct an investigation into this company 's conduct.\n\n2. Require the company to correct and document resolution of the issue.\n\n3. Enforce penalties or compliance measure as appropriate under federal law.\n\n4. Ensure that no retaliation, further negative reporting, or collections occur during the investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XX/XX/year>","date_sent_to_company":"2026-02-26T16:53:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"44130","tags":null,"has_narrative":true,"complaint_id":"19811487","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mercury Technologies, Inc.","date_received":"2025-11-06T02:05:20.000Z","state":"OH","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I'm filing this complaint as a <em>consumer</em> under the authority of the <em>Consumer</em> <em>Protection</em> Agency Financial <em>Protection</em> Agency Act. I believe m y rights under the <em>federal</em> <em>consumer</em> <em>protection</em> laws have been violated and I am requesting a formal investigation and immediate corrective action. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX ; Member of a financial."]},"sort":[14.81535,"19811487"]},{"_index":"complaint-public-v1","_id":"19174926","_score":14.745031,"_source":{"product":"Debt or credit management","complaint_what_happened":"Company : Credit Saint, LLC Product Type : Credit repair services Issue Type : Billing / fees charged before services completed Desired Resolution : Refund of fees charged during ongoing investigations ; review of billing practices for compliance Complaint Narrative I am submitting this complaint regarding Credit Saint, LLCs billing practices for credit repair services.\n\nCredit Saint bills a recurring monthly fee approximately every 30 days. However, the credit bureau investigations associated with the disputes initiated by Credit Saint routinely remain open for up to 45 days, as permitted under the Fair Credit Reporting Act. \n\nAs a result, I am charged a monthly fee while the investigations are still legally ongoing and unresolved. At the time of billing, no investigation results have been received, no outcomes have been delivered, and no consumer-verifiable results exist. The service for which I am billed is therefore incomplete at the time the fee is charged. \n\nThis practice effectively constitutes the collection of a fee before services are fully rendered. \n\nThe CFPB has previously addressed this issue in its enforcement action against XXXX XXXX / XXXX, where the Bureau and the federal court rejected the argument that preparatory or administrative work ( such as submitting disputes or awaiting bureau responses ) constitutes completion of credit repair services. In that case, the CFPB determined that charging consumers before results were achieved violated federal consumer protection laws, regardless of how the fees were labeled ( e.g., monthly or service fees ). \n\nIn my case, Credit Saints billing cycle overlaps unresolved investigations, meaning consumers are charged while legally required investigations are still pending and before the consumer can assess whether any service outcome has been achieved. \n\nThis practice leaves consumers without transparency, without results, and without the ability to verify that services have been completed before payment is taken. \n\nI respectfully request that the CFPB review Credit Saints billing practices for compliance with federal consumer protection standards and require appropriate remediation, including refunds of fees charged during periods when investigations were still ongoing. \n\nCredit Saint charged me {$99.00} before investigations were completed. Then attempted another charge after 30 days, again before the investigation process was completed, which appears inconsistent with the Credit Repair Organizations Act ( CROA ) and CFPB guidance prohibiting advance fees prior to the completion of promised services. \n\nI have since disputed the charge with my credit card issuer.","date_sent_to_company":"2026-02-02T10:04:58.000Z","issue":"Charged upfront or unexpected fees","sub_product":"Credit repair services","zip_code":"96817","tags":null,"has_narrative":true,"complaint_id":"19174926","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Saint Services LLC","date_received":"2026-02-02T09:32:39.000Z","state":"HI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This practice leaves <em>consumers</em> without transparency, without results, and without the ability to verify that services have been completed before payment is taken. \n\nI respectfully request that the CFPB review Credit Saints billing practices for <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> standards and require appropriate remediation, including refunds of fees charged <em>during</em> periods when investigations were still ongoing. \n\nCredit Saint charged me {$99.00} before investigations were completed."]},"sort":[14.745031,"19174926"]},{"_index":"complaint-public-v1","_id":"14617747","_score":14.7023115,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I experienced a foreclosure on my home that was directly connected to financial abuse and coercive control I endured during a prolonged period of XXXX XXXX. This included severe restrictions on my ability to earn, control, or manage money independently. As a result, I was unable to maintain stable housing or make informed financial decisions.\n\nDespite no longer being under coercion, the long-term economic consequences of XXXXincluding mortgage delinquency and property losscontinue to appear across specialty consumer reports such as those maintained by XXXX, XXXX, and XXXX. These agencies aggregate and share this information with lenders, which places me at risk of further denial of housing and credit opportunities. Although I have exercised my rights under FCRA Section 605C, these agencies either continue to report this data or have not confirmed suppression. \n\nI have also submitted documentation of my XXXX XXXX  status to all major credit bureaus, who have acknowledged my request and removed or suppressed the adverse information accordingly. However, the specialty consumer reporting agencies appear to operate outside this framework or lack transparency in their procedures for 605C compliance.\n\nI am filing this complaint to ensure that all consumer reporting agencies, including those outside the big three, honor the legal protections extended to survivors like me. The continued presence of this data retraumatizes victims and violates federal consumer protection law.\n\nI respectfully request the CFPBs assistance in enforcing Section 605C compliance.","date_sent_to_company":"2025-07-12T19:01:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"14617747","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ID Analytics, Inc.","date_received":"2025-07-12T19:01:19.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["However, the specialty <em>consumer</em> reporting agencies appear to operate outside this framework or lack transparency in their procedures for 605C <em>compliance</em>.\n\nI am filing this complaint to ensure that all <em>consumer</em> reporting agencies, including those outside the big three, honor the legal <em>protections</em> extended to survivors like me. The continued presence of this data retraumatizes victims and violates <em>federal</em> <em>consumer</em> <em>protection</em> law."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.7023115,"14617747"]},{"_index":"complaint-public-v1","_id":"14615891","_score":14.7023115,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX, I experienced a foreclosure on my home that was directly connected to financial abuse and coercive control I endured during a prolonged period of XXXX XXXX This included severe restrictions on my ability to earn, control, or manage money independently. As a result, I was unable to maintain stable housing or make informed financial decisions. \n\nDespite no longer being under coercion, the long-term economic consequences oXXXX XXXXcluding mortgage delinquency and property losscontinue to appear across specialty consumer reports such as those maintained by XXXXXXXX XXXX and DataVerify. These agencies aggregate and share this information with lenders, which places me at risk of further denial of housing and credit opportunities. Although I have exercised my rights under FCRA Section 605C, these agencies either continue to report this data or have not confirmed suppression. \n\nI have also submitted documentation of my XXXX XXXX  status to all major credit bureaus, who have acknowledged my request and removed or suppressed the adverse information accordingly. However, the specialty consumer reporting agencies appear to operate outside this framework or lack transparency in their procedures for 605C compliance. \n\nI am filing this complaint to ensure that all consumer reporting agencies, including those outside the big three, honor the legal protections extended to survivors like me. The continued presence of this data retraumatizes victims and violates federal consumer protection law. \n\nI respectfully request the CFPBs assistance in enforcing Section 605C compliance.","date_sent_to_company":"2025-07-13T21:09:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"14615891","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2025-07-12T18:48:24.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["However, the specialty <em>consumer</em> reporting agencies appear to operate outside this framework or lack transparency in their procedures for 605C <em>compliance</em>. \n\nI am filing this complaint to ensure that all <em>consumer</em> reporting agencies, including those outside the big three, honor the legal <em>protections</em> extended to survivors like me. The continued presence of this data retraumatizes victims and violates <em>federal</em> <em>consumer</em> <em>protection</em> law."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.7023115,"14615891"]},{"_index":"complaint-public-v1","_id":"14611941","_score":14.70068,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I experienced a foreclosure on my home that was directly connected to financial abuse and coercive control I endured during a prolonged period of XXXX XXXX. This included severe restrictions on my ability to earn, control, or manage money independently. As a result, I was unable to maintain stable housing or make informed financial decisions. \n\nDespite no longer being under coercion, the long-term economic consequences of XXXXincluding mortgage delinquency and property losscontinue to appear across specialty consumer reports such as those maintained by XXXX, CoreLogic, and XXXX. These agencies aggregate and share this information with lenders, which places me at risk of further denial of housing and credit opportunities. Although I have exercised my rights under FCRA Section 605C, these agencies either continue to report this data or have not confirmed suppression. \n\nI have also submitted documentation of my XXXX XXXX status to all major credit bureaus, who have acknowledged my request and removed or suppressed the adverse information accordingly. However, the specialty consumer reporting agencies appear to operate outside this framework or lack transparency in their procedures for 605C compliance.\n\nI am filing this complaint to ensure that all consumer reporting agencies, including those outside the big three, honor the legal protections extended to survivors like me. The continued presence of this data retraumatizes victims and violates federal consumer protection law. \n\nI respectfully request the CFPBs assistance in enforcing Section 605C compliance.","date_sent_to_company":"2025-07-12T19:01:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"14611941","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2025-07-12T18:49:19.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["However, the specialty <em>consumer</em> reporting agencies appear to operate outside this framework or lack transparency in their procedures for 605C <em>compliance</em>.\n\nI am filing this complaint to ensure that all <em>consumer</em> reporting agencies, including those outside the big three, honor the legal <em>protections</em> extended to survivors like me. The continued presence of this data retraumatizes victims and violates <em>federal</em> <em>consumer</em> <em>protection</em> law."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.70068,"14611941"]},{"_index":"complaint-public-v1","_id":"16161515","_score":14.677613,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I sent Transworld Systems Inc. a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) 809 for a XXXX XXXX XXXX XXXX XXXX account in the amount of {$340.00}. \n\nTIMELINE OF VIOLATIONS : 1. ORIGINAL VALIDATION REQUEST ( XX/XX/XXXX ) : Sent certified mail requesting complete debt validation documentation. They received this on XX/XX/XXXX. \n\n2. INSUFFICIENT RESPONSE ( XX/XX/XXXX ) : Transworld provided only basic account information and generic XXXX XXXX codes. They failed to provide : - Original signed service agreement - Complete payment history - Proof of legal right to collect - Chain of ownership documentation - Evidence supporting the claimed balance XXXX. REJECTION OF INSUFFICIENT VALIDATION ( XX/XX/XXXX ) : I sent a detailed letter explaining their response was legally insufficient under FDCPA 809 ( b ) and demanding proper validation or account deletion. This letter was delivered XX/XX/XXXX, with a XXXX deadline of XX/XX/XXXX. \n\nXXXX. COMPLETE NON-RESPONSE : As of XX/XX/XXXX, Transworld has completely failed to respond to my rejection of their insufficient validation or provide proper documentation. \n\nXXXX VIOLATIONS : The original utility disconnect occurred on XX/XX/XXXX, during the height of the XXXX pandemic when federal and state protections were in effect, including : - CARES Act utility protections- XXXX  XXXX Orders limiting shutoffs - CFPB XXXX consumer protection rules FDCPA VIOLATIONS : - 809 ( b ) : Failure to properly validate debt upon request - 807 : False/misleading representations about validation - 808 : Unfair practices during pandemic periods This company has completely ignored federal law requirements and continues reporting unvalidated debt to credit bureaus, damaging my credit score and violating my consumer rights.\n\nThis description covers all the key points while staying within CFPB guidelines ( no personal info, includes dates and actions, documents the violations clearly ) .RetryDalso wha to put for this oneEditFor the \" What would be a fair resolution to this issue? '' section of the CFPB complaint, paste this : 1. Transworld Systems should immediately delete this unvalidated account from all credit reporting agencies ( XXXX XXXX XXXX ) 2. They should cease all collection activities on this account permanently 3. They should provide written confirmation of account deletion within 15 days 4. CFPB should investigate their systematic non-compliance with FDCPA validation requirements 5. Penalties should be imposed for their violations of federal consumer protection laws, including their failure to respond to legitimate validation requests and their potential violations of XXXX consumer protections 6. They should be required to implement proper procedures to ensure compliance with federal debt validation laws for future consumers This resolution request covers the immediate relief you need ( account deletion, cessation of collection, written confirmation ) while also asking the CFPB to take broader regulatory action against Transworld 's practices. It demonstrates that you want both personal resolution and systemic accountability for their violations of federal consumer protection laws.","date_sent_to_company":"2025-09-24T11:24:37.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"39213","tags":null,"has_narrative":true,"complaint_id":"16161515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-09-24T10:56:37.000Z","state":"MS","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["CFPB should investigate their systematic non-<em>compliance</em> with FDCPA validation requirements 5. Penalties should be imposed for their violations of <em>federal</em> <em>consumer</em> <em>protection</em> laws, including their failure to respond to legitimate validation requests and their potential violations of XXXX <em>consumer</em> <em>protections</em> 6."]},"sort":[14.677613,"16161515"]},{"_index":"complaint-public-v1","_id":"14615787","_score":14.67471,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XXXX, I experienced a foreclosure on my home that was directly connected to financial XXXX  and coercive control I endured during a prolonged period of XXXX XXXX. This included severe restrictions on my ability to earn, control, or manage money independently. As a result, I was unable to maintain stable housing or make informed financial decisions. \n\nDespite no longer being under coercion, the long-term economic consequences of XXXXincluding mortgage delinquency and property losscontinue to appear across specialty consumer reports such as those maintained by XXXX, XXXX, and XXXX. These agencies aggregate and share this information with lenders, which places me at risk of further denial of housing and credit opportunities. Although I have exercised my rights under FCRA Section 605C, these agencies either continue to report this data or have not confirmed suppression. \n\nI have also submitted documentation of my XXXX  XXXX  status to all major credit bureaus, who have acknowledged my request and removed or suppressed the adverse information accordingly. However, the specialty consumer reporting agencies appear to operate outside this framework or lack transparency in their procedures for 605C compliance. \n\nI am filing this complaint to ensure that all consumer reporting agencies, including those outside the big three, honor the legal protections extended to survivors like me. The continued presence of this data retraumatizes victims and violates federal consumer protection law. \n\nI respectfully request the CFPBs assistance in enforcing Section 605C compliance.","date_sent_to_company":"2025-07-14T16:23:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"14615787","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-07-12T18:21:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["However, the specialty <em>consumer</em> reporting agencies appear to operate outside this framework or lack transparency in their procedures for 605C <em>compliance</em>. \n\nI am filing this complaint to ensure that all <em>consumer</em> reporting agencies, including those outside the big three, honor the legal <em>protections</em> extended to survivors like me. The continued presence of this data retraumatizes victims and violates <em>federal</em> <em>consumer</em> <em>protection</em> law."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.67471,"14615787"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3222,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3222}]}},"product":{"doc_count":3222,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2175,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2154},{"key":"Other personal consumer report","doc_count":21}]}},{"key":"Debt collection","doc_count":328,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":113},{"key":"Credit card 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