{"took":476,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":9991,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12444521","_score":11.814448,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally file a complaint for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which establishes civil liability for negligent non-compliance.\n\nI have made multiple attempts to resolve this matter but have not received a satisfactory response.\n\nPursuant to 15 U.S.C. 1681o, negligent non-compliance with the FCRA entitles me to actual damages sustained as a result of these violations, as well as costs and attorneys fees. Due to these violations, I have suffered harm, including damage to creditworthiness, emotional distress.\n\nI respectfully request that the CFPB investigate this matter and take appropriate action to enforce compliance with the FCRA.\n\nI appreciate your prompt attention to this matter and look forward to a resolution. Please keep me informed of any updates regarding this complaint. Should you require any additional information, feel free to contact me at XXXX or XXXX Thank you for your time and assistance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-12T19:43:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"79928","tags":null,"has_narrative":true,"complaint_id":"12444521","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-03-12T19:11:47.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to formally file a complaint for violations of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), specifically under 15 U.S.C. 1681o, which establishes civil liability for negligent non-<em>compliance</em>.\n\nI have made multiple attempts to resolve this <em>matter</em> but have not received a satisfactory response."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.814448,"12444521"]},{"_index":"complaint-public-v1","_id":"12435573","_score":11.814448,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally file a complaint for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which establishes civil liability for negligent non-compliance.\n\nI have made multiple attempts to resolve this matter but have not received a satisfactory response. \n\nPursuant to 15 U.S.C. 1681o, negligent non-compliance with the FCRA entitles me to actual damages sustained as a result of these violations, as well as costs and attorneys fees. Due to these violations, I have suffered harm, including damage to creditworthiness, emotional distress.\n\nI respectfully request that the CFPB investigate this matter and take appropriate action to enforce compliance with the FCRA. \n\nI appreciate your prompt attention to this matter and look forward to a resolution. Please keep me informed of any updates regarding this complaint. Should you require any additional information, feel free to contact me at XXXX or XXXX Thank you for your time and assistance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-12T19:43:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"79928","tags":null,"has_narrative":true,"complaint_id":"12435573","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-12T19:43:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to formally file a complaint for violations of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), specifically under 15 U.S.C. 1681o, which establishes civil liability for negligent non-<em>compliance</em>.\n\nI have made multiple attempts to resolve this <em>matter</em> but have not received a satisfactory response."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.814448,"12435573"]},{"_index":"complaint-public-v1","_id":"16124797","_score":11.505198,"_source":{"product":"Credit card","complaint_what_happened":"I am a victim of identity theft. On XX/XX/year>, Wells Fargo reported a charged-off account for {$7500.00}. This account was opened or used without my authorization. The original balance was {$6000.00}, but Wells Fargo added additional fees and charges. I did not open or authorize this account, and I am not responsible for this debt. \n\nI have already disputed this matter, but Wells Fargo continues to report this account as charged off. I have contacted Wells Fargo multiple times to correct this error, but no resolution has been provided. This inaccurate reporting is damaging my credit and is a direct result of identity theft. \n\nI am requesting that Wells Fargo immediately remove this fraudulent account and the charged-off status from my credit reports. Additionally, I request that the credit reporting agencies, XXXX, XXXX, and XXXX, conduct a proper investigation of this case and confirm the identity theft, in compliance with the Fair Credit Reporting Act ( FCRA ) and the Identity Theft laws.","date_sent_to_company":"2025-09-23T19:35:25.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"34744","tags":null,"has_narrative":true,"complaint_id":"16124797","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-09-23T19:20:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["Additionally, I request that the <em>credit</em> <em>reporting</em> agencies, XXXX, XXXX, and XXXX, conduct a proper investigation of this case and confirm the identity theft, in <em>compliance</em> with the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ) and the Identity Theft laws."],"product":["<em>Credit</em> card"],"issue":["Getting a <em>credit</em> card"],"company":["<em>WELLS</em> FARGO & COMPANY"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[11.505198,"16124797"]},{"_index":"complaint-public-v1","_id":"7680689","_score":11.418261,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX : To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.\n\nTo Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.","date_sent_to_company":"2023-10-11T22:54:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"36801","tags":null,"has_narrative":true,"complaint_id":"7680689","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-11T22:39:58.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As you are <em>well</em> aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by <em>credit</em> <em>reporting</em> agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this <em>matter</em> ; for the purpose of filing a complaint with the FTC should you continue in your non-<em>compliance</em>. I further remind you that, as in Wenger v."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.418261,"7680689"]},{"_index":"complaint-public-v1","_id":"14734063","_score":11.349625,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally request your assistance in investigating and removing an inaccurate and/or unverifiable debt that appears on my credit report. XX/XX/XXXX. 2022 this debt was purchased from a debtor as a charge off, in the amount of {$440.00}. I have attempted to resolve this issue with the reporting entity and/or collection agency, but the matter remains unresolved.In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB investigate this matter and, if appropriate, request removal of the inaccurate item from my credit file.This inaccurate listing is negatively affecting my credit and overall financial well-being. I respectfully request that the CFPB investigate this matter and take the appropriate action to ensure that the item is removed from my credit report in compliance with federal regulations.","date_sent_to_company":"2025-07-18T14:10:44.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"85009","tags":null,"has_narrative":true,"complaint_id":"14734063","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-07-18T13:59:23.000Z","state":"AZ","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I respectfully request that the CFPB investigate this <em>matter</em> and take the appropriate action to ensure that the item is removed from my <em>credit</em> <em>report</em> in <em>compliance</em> with federal regulations."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[11.349625,"14734063"]},{"_index":"complaint-public-v1","_id":"5023606","_score":11.347567,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Its been well over 60 days since i've reported to all three bureau XXXX XXXX and experian about several incorrect and incomplete information being reported to my credit report. This letter is a formal complaint I've attempted to resolve this matter but i am not getting any answer from the bureau as a consummer I am exersing my right. \n\n\nfederal law requires respond within 30 days, yet the have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated I am maintaining a careful record of my communications on this matter, for the purpose of filing a complaint the bereau has been willful non-compliance.","date_sent_to_company":"2021-12-20T14:33:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"958XX","tags":null,"has_narrative":true,"complaint_id":"5023606","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-12-20T00:58:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Failure to comply with these federal regulations by <em>credit</em> <em>reporting</em> agencies are investigated I am maintaining a careful record of my communications on this <em>matter</em>, for the purpose of filing a complaint the bereau has been willful non-<em>compliance</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.347567,"5023606"]},{"_index":"complaint-public-v1","_id":"7380703","_score":11.325974,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the inaccurate balance reporting on my credit report by Wells Fargo. The account in question should have a XXXX balance, yet Wells Fargo is reporting to all credit reporting agencies a balance and continues to report an incorrect balance. This inaccurate reporting negatively impacts my credit history and must be updated immediately to ensure the accuracy of all my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. \n\n\nI request a thorough re-investigation into this matter, adhering to the guidelines set forth by the FCRA and other applicable statutes. The following concerns highlight the inaccuracies in the current reporting : Failure to Reflect Correct Account Balance : Wells Fargo is reporting a balance on the account, while the account balance should be XXXX. This inaccurate reporting is consistent across all credit reporting agencies and is damaging my credit history. It is essential to rectify this discrepancy promptly to ensure the accuracy of all my credit reports, as required by the FCRA and other relevant statutes. \n\n\nNon-Compliance with FCRA and Statutory Requirements : The inaccurate reporting by all credit reporting agencies, constitutes a violation of the FCRA and other applicable statutes, which mandate that credit reporting agencies report accurate and up-to-date information. It is evident that the reported balance is incorrect, and it is the responsibility of both Wells Fargo and all credit reporting agencies to correct this mistake in a timely manner. \n\n\nI demand immediate action to rectify this situation, in compliance with the FCRA and other relevant statutes. Specifically, I request the following : Coordinate with Wells Fargo : The Wells Fago account balance must be accurately reflected as XXXX, given that there is no outstanding balance on this account. \n\n\nProvide Written Response : I expect a written response regarding the results of the re-investigation and any actions taken to address this dispute within the timeline mandated by the FCRA and other relevant statutes. \n\n\nRemove Inaccurate Information : Should it be found that the reported balance is indeed incorrect, I request a prompt update of a XXXX balance be reported on my credit report. \n\n\nI also request updated copies of all my credit reports reflecting the corrected balance and the removal of any inaccuracies as a result of this dispute. \n\n\nYour immediate attention to this matter is crucial.","date_sent_to_company":"2023-08-10T14:31:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30005","tags":"Servicemember","has_narrative":true,"complaint_id":"7380703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-08-10T14:28:11.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally dispute the inaccurate balance <em>reporting</em> on my <em>credit</em> <em>report</em> by <em>Wells</em> Fargo. The account in question should have a XXXX balance, yet <em>Wells</em> Fargo is <em>reporting</em> to all <em>credit</em> <em>reporting</em> agencies a balance and continues to <em>report</em> an incorrect balance."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>WELLS</em> FARGO & COMPANY"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.325974,"7380703"]},{"_index":"complaint-public-v1","_id":"14438747","_score":11.289239,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to inform you that I have initiated an arbitration proceeding against the furnisher reporting inaccurate information on my credit report. Despite multiple attempts to resolve this matter directly, the inaccurate reporting has not been corrected. I am respectfully requesting that your office, as a regulatory body, review the circumstances and ensure compliance with the Fair Credit Reporting Act ( FCRA ). Your oversight is essential in addressing ongoing violations that continue to harm my creditworthiness and overall financial well-being.","date_sent_to_company":"2025-07-03T23:25:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55428","tags":null,"has_narrative":true,"complaint_id":"14438747","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-03T23:25:23.000Z","state":"MN","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 am submitting this complaint to inform you that I have initiated an arbitration proceeding against the furnisher <em>reporting</em> inaccurate information on my <em>credit</em> <em>report</em>. Despite multiple attempts to resolve this <em>matter</em> directly, the inaccurate <em>reporting</em> has not been corrected. I am respectfully requesting that your office, as a regulatory body, review the circumstances and ensure <em>compliance</em> with the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA )."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.289239,"14438747"]},{"_index":"complaint-public-v1","_id":"14440507","_score":11.26761,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to inform you that I have initiated an arbitration proceeding against the furnisher reporting inaccurate information on my credit report. Despite multiple attempts to resolve this matter directly, the inaccurate reporting has not been corrected. I am respectfully requesting that your office, as a regulatory body, review the circumstances and ensure compliance with the Fair Credit Reporting Act ( FCRA ). Your oversight is essential in addressing ongoing violations that continue to harm my creditworthiness and overall financial well-being.","date_sent_to_company":"2025-07-03T23:25:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55428","tags":null,"has_narrative":true,"complaint_id":"14440507","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-03T23:20:34.000Z","state":"MN","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 am submitting this complaint to inform you that I have initiated an arbitration proceeding against the furnisher <em>reporting</em> inaccurate information on my <em>credit</em> <em>report</em>. Despite multiple attempts to resolve this <em>matter</em> directly, the inaccurate <em>reporting</em> has not been corrected. I am respectfully requesting that your office, as a regulatory body, review the circumstances and ensure <em>compliance</em> with the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA )."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.26761,"14440507"]},{"_index":"complaint-public-v1","_id":"14438745","_score":11.26761,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to inform you that I have initiated an arbitration proceeding against the furnisher reporting inaccurate information on my credit report. Despite multiple attempts to resolve this matter directly, the inaccurate reporting has not been corrected. I am respectfully requesting that your office, as a regulatory body, review the circumstances and ensure compliance with the Fair Credit Reporting Act ( FCRA ). Your oversight is essential in addressing ongoing violations that continue to harm my creditworthiness and overall financial well-being.","date_sent_to_company":"2025-07-03T23:25:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55428","tags":null,"has_narrative":true,"complaint_id":"14438745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-03T23:25:23.000Z","state":"MN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am submitting this complaint to inform you that I have initiated an arbitration proceeding against the furnisher <em>reporting</em> inaccurate information on my <em>credit</em> <em>report</em>. Despite multiple attempts to resolve this <em>matter</em> directly, the inaccurate <em>reporting</em> has not been corrected. I am respectfully requesting that your office, as a regulatory body, review the circumstances and ensure <em>compliance</em> with the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA )."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.26761,"14438745"]},{"_index":"complaint-public-v1","_id":"7201220","_score":11.25126,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Im confused on how CFPB is supposed to ensure that the consumers rights are protected through a system keeping the credit bureaus under compliance regarding credit reporting. I have disputed a few matters. All of which have never even been investigated into. Ive sent US Codes along with the description of the matter at hand that Im dealing with. This is prohibiting me from completing financial, family and business goals. I need a proper reinvestigation along with a letter of deletion of every hard inquiry on my consumer report. I thought it was supposed to take 15 days. This has taken well over 60 days just to get empty envelopes back with my credit report on it.","date_sent_to_company":"2023-07-03T13:13:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76063","tags":null,"has_narrative":true,"complaint_id":"7201220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-03T13:13:39.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Im confused on how CFPB is supposed to ensure that the consumers rights are protected through a system keeping the <em>credit</em> bureaus under <em>compliance</em> regarding <em>credit</em> <em>reporting</em>. I have disputed a few <em>matters</em>. All of which have never even been investigated into. Ive sent US Codes along with the description of the <em>matter</em> at hand that Im dealing with. This is prohibiting me from completing financial, family and business goals."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.25126,"7201220"]},{"_index":"complaint-public-v1","_id":"7197624","_score":11.25126,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Im confused on how CFPB is supposed to ensure that the consumers rights are protected through a system keeping the credit bureaus under compliance regarding credit reporting. I have disputed a few matters. All of which have never even been investigated into. Ive sent US Codes along with the description of the matter at hand that Im dealing with. This is prohibiting me from completing financial, family and business goals. I need a proper reinvestigation along with a letter of deletion of every hard inquiry on my consumer report. I thought it was supposed to take 15 days. This has taken well over 60 days just to get empty envelopes back with my credit report on it.","date_sent_to_company":"2023-07-03T13:13:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76063","tags":null,"has_narrative":true,"complaint_id":"7197624","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-03T12:57:27.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Im confused on how CFPB is supposed to ensure that the consumers rights are protected through a system keeping the <em>credit</em> bureaus under <em>compliance</em> regarding <em>credit</em> <em>reporting</em>. I have disputed a few <em>matters</em>. All of which have never even been investigated into. Ive sent US Codes along with the description of the <em>matter</em> at hand that Im dealing with. This is prohibiting me from completing financial, family and business goals."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.25126,"7197624"]},{"_index":"complaint-public-v1","_id":"7201219","_score":11.246325,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Im confused on how CFPB is supposed to ensure that the consumers rights are protected through a system keeping the credit bureaus under compliance regarding credit reporting. I have disputed a few matters. All of which have never even been investigated into. Ive sent US Codes along with the description of the matter at hand that Im dealing with. This is prohibiting me from completing financial, family and business goals. I need a proper reinvestigation along with a letter of deletion of every hard inquiry on my consumer report. I thought it was supposed to take 15 days. This has taken well over 60 days just to get empty envelopes back with my credit report on it.","date_sent_to_company":"2023-07-03T13:13:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76063","tags":null,"has_narrative":true,"complaint_id":"7201219","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-03T13:13:39.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Im confused on how CFPB is supposed to ensure that the consumers rights are protected through a system keeping the <em>credit</em> bureaus under <em>compliance</em> regarding <em>credit</em> <em>reporting</em>. I have disputed a few <em>matters</em>. All of which have never even been investigated into. Ive sent US Codes along with the description of the <em>matter</em> at hand that Im dealing with. This is prohibiting me from completing financial, family and business goals."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.246325,"7201219"]},{"_index":"complaint-public-v1","_id":"12774017","_score":11.197252,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Civil Liability Negligence and Non-Compliance under Section 16810 Dear, Transunion, I hope this letter finds you well. I am writing to formally dispute a matter concerning civil liability negligence and non-compliance under Section 16810 as it pertains to a hard inquiry on my credit report by XXXX on XX/XX/XXXX. It is my understanding that the situation at hand involves actions or omissions that have not adhered to the standard of care required under the relevant statute, resulting in a hard inquiry on my credit report that is falsely reporting damaging information that can affect me for future credit and a home loan. \nSpecifically, my concerns are as follows : XXXX. Negligence and Non-Compliance : According to Section 16810, there is an obligation to permanently remove this false reporting. \nXXXX. Details of the XXXX : On XXXX/XXXX/XXXX said company XXXX put a false hard inquiry on my credit report. \n3. Impact of the Incident : Due to the aforementioned negligence/non-compliance, I have experienced false credit reporting which is having me being declined for credit and home loans.\n\n4. Request for Resolution : I respectfully request that Transunion, review the matter in accordance with Section 16810 and provide a detailed response, addressing the points outlined above. Furthermore, I would appreciate that you please delete immediately where as this is a fair resolution to this issue. \nPlease note that I expect a prompt response to this dispute. Should this matter not be resolved within 14 days, I may have to explore further legal options.\n\nThank you for your attention to this important matter. I look forward to your prompt and satisfactory resolution. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-01T22:25:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"69101","tags":null,"has_narrative":true,"complaint_id":"12774017","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-01T21:53:47.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Civil Liability Negligence and Non-<em>Compliance</em> under Section 16810 Dear, Transunion, I hope this letter finds you <em>well</em>. I am writing to formally dispute a <em>matter</em> concerning civil liability negligence and non-<em>compliance</em> under Section 16810 as it pertains to a hard inquiry on my <em>credit</em> <em>report</em> by XXXX on XX/XX/XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.197252,"12774017"]},{"_index":"complaint-public-v1","_id":"7702347","_score":11.19386,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for their failure to adhere to Metro 2 compliance and for their violation of the Fair Credit Reporting Act ( FCRA ). Furthermore, I wish to express my concern regarding Experian 's lack of response to my previous complaint lodged with your organization. \n\nOn XX/XX/23, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning inaccuracies in my credit report and Experian 's refusal to rectify the situation. Despite my earnest efforts to address this issue, I received no information or acknowledgement from Experian, a clear violation of their obligation under the FCRA to conduct a reasonable investigation into consumer disputes. In fact they just keep sending me verified emails, which is interesting because I asked them to provide proof showing where I gave them permission to report this information onto my consumer report. They do not investigate or provide any information, they just send me a verified email 3 days letter with no explanations. \n\nMy concern with Experian 's non-compliance with Metro 2 reporting standards arises from numerous inaccuracies in my credit report. Experian has failed to ensure that my credit information is accurate and up-to-date, which has had a direct impact on my financial well-being. These inaccuracies, which include [ specify any specific issues ], are causing undue financial harm and undue stress on my part. \n\nI kindly request that the CFPB investigate this matter and take appropriate action against Experian for their repeated non-compliance with Metro 2 standards and their disregard for the FCRA. I am seeking a resolution that includes the prompt correction of the inaccuracies in my credit report, as well as punitive actions against Experian for their failure to adhere to legal requirements. \n\nI appreciate your attention to this matter and request that you provide me with updates on the status of this complaint. My previous experience with the CFPB has left me disappointed, and I hope for a more effective response to my concerns this time. \n\nThank you for your prompt attention to this important matter.","date_sent_to_company":"2023-10-16T07:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"912XX","tags":null,"has_narrative":true,"complaint_id":"7702347","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-10-16T07:39:07.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to file a formal complaint against Experian, one of the major <em>credit</em> <em>reporting</em> agencies, for their failure to adhere to Metro 2 <em>compliance</em> and for their violation of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ). Furthermore, I wish to express my concern regarding Experian 's lack of response to my previous complaint lodged with your organization."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.19386,"7702347"]},{"_index":"complaint-public-v1","_id":"7702250","_score":11.19386,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for their failure to adhere to Metro 2 compliance and for their violation of the Fair Credit Reporting Act ( FCRA ). Furthermore, I wish to express my concern regarding Experian 's lack of response to my previous complaint lodged with your organization. \n\nOn XX/XX/23, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning inaccuracies in my credit report and Experian 's refusal to rectify the situation. Despite my earnest efforts to address this issue, I received no information or acknowledgement from Experian, a clear violation of their obligation under the FCRA to conduct a reasonable investigation into consumer disputes. In fact they just keep sending me verified emails, which is interesting because I asked them to provide proof showing where I gave them permission to report this information onto my consumer report. They do not investigate or provide any information, they just send me a verified email 3 days letter with no explanations. \n\nMy concern with Experian 's non-compliance with Metro 2 reporting standards arises from numerous inaccuracies in my credit report. Experian has failed to ensure that my credit information is accurate and up-to-date, which has had a direct impact on my financial well-being. These inaccuracies, which include [ specify any specific issues ], are causing undue financial harm and undue stress on my part. \n\nI kindly request that the CFPB investigate this matter and take appropriate action against Experian for their repeated non-compliance with Metro 2 standards and their disregard for the FCRA. I am seeking a resolution that includes the prompt correction of the inaccuracies in my credit report, as well as punitive actions against Experian for their failure to adhere to legal requirements. \n\nI appreciate your attention to this matter and request that you provide me with updates on the status of this complaint. My previous experience with the CFPB has left me disappointed, and I hope for a more effective response to my concerns this time. \n\nThank you for your prompt attention to this important matter.","date_sent_to_company":"2023-10-16T07:53:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"912XX","tags":null,"has_narrative":true,"complaint_id":"7702250","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-10-16T07:53:06.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to file a formal complaint against Experian, one of the major <em>credit</em> <em>reporting</em> agencies, for their failure to adhere to Metro 2 <em>compliance</em> and for their violation of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ). Furthermore, I wish to express my concern regarding Experian 's lack of response to my previous complaint lodged with your organization."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.19386,"7702250"]},{"_index":"complaint-public-v1","_id":"7702153","_score":11.19386,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for their failure to adhere to Metro 2 compliance and for their violation of the Fair Credit Reporting Act ( FCRA ). Furthermore, I wish to express my concern regarding Experian 's lack of response to my previous complaint lodged with your organization. \n\nOn XX/XX/23, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning inaccuracies in my credit report and Experian 's refusal to rectify the situation. Despite my earnest efforts to address this issue, I received no information or acknowledgement from Experian, a clear violation of their obligation under the FCRA to conduct a reasonable investigation into consumer disputes. In fact they just keep sending me verified emails, which is interesting because I asked them to provide proof showing where I gave them permission to report this information onto my consumer report. They do not investigate or provide any information, they just send me a verified email 3 days letter with no explanations. \n\nMy concern with Experian 's non-compliance with Metro 2 reporting standards arises from numerous inaccuracies in my credit report. Experian has failed to ensure that my credit information is accurate and up-to-date, which has had a direct impact on my financial well-being. These inaccuracies, which include [ specify any specific issues ], are causing undue financial harm and undue stress on my part. \n\nI kindly request that the CFPB investigate this matter and take appropriate action against Experian for their repeated non-compliance with Metro 2 standards and their disregard for the FCRA. I am seeking a resolution that includes the prompt correction of the inaccuracies in my credit report, as well as punitive actions against Experian for their failure to adhere to legal requirements. \n\nI appreciate your attention to this matter and request that you provide me with updates on the status of this complaint. My previous experience with the CFPB has left me disappointed, and I hope for a more effective response to my concerns this time. \n\nThank you for your prompt attention to this important matter.","date_sent_to_company":"2023-10-16T07:53:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"912XX","tags":null,"has_narrative":true,"complaint_id":"7702153","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-10-16T07:53:06.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to file a formal complaint against Experian, one of the major <em>credit</em> <em>reporting</em> agencies, for their failure to adhere to Metro 2 <em>compliance</em> and for their violation of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ). Furthermore, I wish to express my concern regarding Experian 's lack of response to my previous complaint lodged with your organization."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.19386,"7702153"]},{"_index":"complaint-public-v1","_id":"8013456","_score":11.139914,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representative, I trust this message finds you well. I am writing to bring to your attention a matter of concern pertaining to recent disputes filed with TransUnion. On the dates XX/XX/23, XX/XX/23, and XX/XX/23, I submitted disputes with the expectation that the Fair Credit Reporting Act would be upheld, ensuring a thorough reinvestigation. \n\nUpon reviewing my current credit reports, it has come to my attention that there is a notable absence of evidence indicating that the credit reporting agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. \n\nI kindly request your intervention in investigating this matter further and facilitating the necessary steps to ensure compliance with the Fair Credit Reporting Act. Your assistance in resolving this discrepancy is greatly appreciated. \n\nThank you for your attention to this matter.","date_sent_to_company":"2023-12-16T16:36:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75165","tags":null,"has_narrative":true,"complaint_id":"8013456","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-16T16:31:40.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Upon reviewing my current <em>credit</em> <em>reports</em>, it has come to my attention that there is a notable absence of evidence indicating that the <em>credit</em> <em>reporting</em> agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. \n\nI kindly request your intervention in investigating this <em>matter</em> further and facilitating the necessary steps to ensure <em>compliance</em> with the Fair <em>Credit</em> <em>Reporting</em> Act."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.139914,"8013456"]},{"_index":"complaint-public-v1","_id":"8012627","_score":11.137052,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representative, I trust this message finds you well. I am writing to bring to your attention a matter of concern pertaining to recent disputes filed with Equifax. On the dates XX/XX/23, XX/XX/23, and XX/XX/23, I submitted disputes with the expectation that the Fair Credit Reporting Act would be upheld, ensuring a thorough reinvestigation. \n\nUpon reviewing my current credit reports, it has come to my attention that there is a notable absence of evidence indicating that the credit reporting agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. \n\nI kindly request your intervention in investigating this matter further and facilitating the necessary steps to ensure compliance with the Fair Credit Reporting Act. Your assistance in resolving this discrepancy is greatly appreciated. \n\nThank you for your attention to this matter.","date_sent_to_company":"2023-12-16T16:29:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75165","tags":null,"has_narrative":true,"complaint_id":"8012627","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-16T16:06:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Upon reviewing my current <em>credit</em> <em>reports</em>, it has come to my attention that there is a notable absence of evidence indicating that the <em>credit</em> <em>reporting</em> agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. \n\nI kindly request your intervention in investigating this <em>matter</em> further and facilitating the necessary steps to ensure <em>compliance</em> with the Fair <em>Credit</em> <em>Reporting</em> Act."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.137052,"8012627"]},{"_index":"complaint-public-v1","_id":"8013440","_score":11.135809,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representative, I trust this message finds you well. I am writing to bring to your attention a matter of concern pertaining to recent disputes filed with Experian. On the dates XX/XX/23, XX/XX/23, and XX/XX/23, I submitted disputes with the expectation that the Fair Credit Reporting Act would be upheld, ensuring a thorough reinvestigation. \n\nUpon reviewing my current credit reports, it has come to my attention that there is a notable absence of evidence indicating that the credit reporting agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. \n\nI kindly request your intervention in investigating this matter further and facilitating the necessary steps to ensure compliance with the Fair Credit Reporting Act. Your assistance in resolving this discrepancy is greatly appreciated. \n\nThank you for your attention to this matter.","date_sent_to_company":"2023-12-16T16:42:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75165","tags":null,"has_narrative":true,"complaint_id":"8013440","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-16T16:37:31.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Upon reviewing my current <em>credit</em> <em>reports</em>, it has come to my attention that there is a notable absence of evidence indicating that the <em>credit</em> <em>reporting</em> agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. \n\nI kindly request your intervention in investigating this <em>matter</em> further and facilitating the necessary steps to ensure <em>compliance</em> with the Fair <em>Credit</em> <em>Reporting</em> Act."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.135809,"8013440"]},{"_index":"complaint-public-v1","_id":"7417044","_score":11.108694,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Continuously reporting erroneous information on my credit report, which I have notified them of these errors which they have NO permissible purpose via my handwritten consent to report this account. Their actions show complete negligence & non-compliance in this matter. I also have proof from the original creditor, that I do not owe anything on the account at all, therefore because this has been injuring my financial credit worthiness, I'd like the account to show/reflect as paid in full & paid as agreed. As well as the invoice to be paid.","date_sent_to_company":"2023-08-17T22:40:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33133","tags":null,"has_narrative":true,"complaint_id":"7417044","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-17T21:46:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Continuously <em>reporting</em> erroneous information on my <em>credit</em> <em>report</em>, which I have notified them of these errors which they have NO permissible purpose via my handwritten consent to <em>report</em> this account. Their actions show complete negligence & non-<em>compliance</em> in this <em>matter</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.108694,"7417044"]},{"_index":"complaint-public-v1","_id":"8048463","_score":11.103802,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to express my deep concern and frustration regarding an ongoing issue related to fraudulent activities on my Wells Fargo account, as well as the bank 's alleged violation of Regulation E. \n\nI initially reported the fraudulent activities in XXXX and assumed the matter had been appropriately addressed. Unfortunately, I recently discovered, while reviewing my tax records, that the issue persists due to what appears to be a series of oversights and errors in handling the fraud reports. \n\nDespite my repeated attempts to rectify the situation by filing additional reports in XXXX, it has come to my attention that these subsequent filings were mishandled as well. The matter has now been escalated to the executive office, where I find myself in a disconcerting situation, with the bank attempting to hold me liable for the fraudulent charges. \n\nThe explanation provided by Wells Fargo 's fraud team, suggesting that my continued payment of credit card bills implies my awareness of the situation, is not only inaccurate but also unfair. I made those payments under the assumption that the bank had taken appropriate action to address the fraud, as any customer would expect. Furthermore, if I did not make these payments that are required by law Wells Fargo would have reported a delinquent account and immensely hurt my credit. \n\nThe fraudulent charges include expenses for a dentist, lawyer, and various other items, totaling over {$10000.00}. I want to emphasize that I have not visited a dentist in the United States other than my longstanding dentist in XXXX, who has been my sole dental care provider throughout my life. \n\nThis incident raises serious concerns about Wells Fargo 's commitment to honesty, professionalism, and adherence to federal regulations, especially concerning the mishandling of Regulation E. As a disabled person, the situation is particularly distressing, and I believe it is imperative that this matter be promptly and thoroughly investigated and resolved. \n\nI kindly request your immediate attention to this issue, aiming for a fair and just resolution in compliance with regulatory standards. I trust that Wells Fargo will address this matter with the urgency and seriousness it warrants. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2023-12-22T20:03:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"80005","tags":null,"has_narrative":true,"complaint_id":"8048463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-12-22T19:50:06.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I am writing to express my deep concern and frustration regarding an ongoing issue related to fraudulent activities on my <em>Wells</em> Fargo account, as <em>well</em> as the bank 's alleged violation of Regulation E. \n\nI initially <em>reported</em> the fraudulent activities in XXXX and assumed the <em>matter</em> had been appropriately addressed."],"product":["<em>Credit</em> card"],"company":["<em>WELLS</em> FARGO & COMPANY"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[11.103802,"8048463"]},{"_index":"complaint-public-v1","_id":"5120021","_score":11.032309,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. \n\nAs indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. \n\nAs you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. \n\nFor the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 75 days and again 40 days ago :","date_sent_to_company":"2022-01-18T17:39:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46123","tags":null,"has_narrative":true,"complaint_id":"5120021","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-01-18T17:39:05.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["As you are <em>well</em> aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by <em>credit</em> <em>reporting</em> agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this <em>matter</em>, for the purpose of filing a complaint with the FTC should you continue in your non-<em>compliance</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[11.032309,"5120021"]},{"_index":"complaint-public-v1","_id":"4426680","_score":11.026123,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. \nAs indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. \nAs you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. \nFor the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :","date_sent_to_company":"2021-06-03T06:09:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95209","tags":null,"has_narrative":true,"complaint_id":"4426680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-06-03T02:09:10.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["As you are <em>well</em> aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by <em>credit</em> <em>reporting</em> agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this <em>matter</em>, for the purpose of filing a complaint with the FTC should you continue in your non-<em>compliance</em>. I further remind you that, as in Wenger v."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.026123,"4426680"]},{"_index":"complaint-public-v1","_id":"11784321","_score":11.018984,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally request an investigation regarding a medical collection being reported on my credit report by United Revenue. According to the Consumer Financial Protection Bureau ( CFPB ) guidelines, XXXX XXXX should no longer appear on credit reports as of XX/XX/scrub>XXXX XXXX \n\nDespite this directive, the account remains on my report, and it has negatively impacted my financial well-being. I have been denied several financial products solely due to the presence of this medical collection. \n\nI kindly request that the CFPB take immediate action to ensure compliance with the new regulations. Please investigate this matter and compel United Revenue and the credit reporting agencies to promptly remove this account from my credit report. \n\nThank you for your attention to this matter. 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