{"took":326,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2101,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19423718","_score":18.769775,"_source":{"product":"Credit card","complaint_what_happened":"Company : XXXX Credit Card / XXXX Issue Type : Credit decision error ; failure to provide adverse action notice ; inaccurate or misleading application outcome Date of Incident : Today Summary of Complaint I am submitting this complaint regarding XXXX  Credit Cards improper handling of a credit line increase ( CLI ) request, including ( 1 ) a contradictory approval-then-denial outcome and ( 2 ) failure to provide a legally required Adverse Action Notice, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m.\n\nThis is not an isolated incident and reflects a pattern of non-compliance.\n\nFactual Background Today, I submitted a request for a credit line increase on my XXXX  Credit Card account. During the application process, the XXXX  system explicitly stated that I was approved for the credit line increase. \n\nMoments later, that approval was summarily reversed and changed to a denial, without explanation, justification, or any accompanying adverse action disclosure. \n\nThis contradictory and misleading outcome caused immediate concern, particularly given my strong and well-established credit profile and excellent account history with XXXX \n\n\n\nCreditworthiness & Account History There is no reasonable credit basis for the denial. My credit profile and account performance are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  Credit Utilization : XXXX % overall Payment History : 100 % on-time, no late payments Inquiries : Only two in the past two years Average Age of Accounts : 11 years XXXX Card Usage : Active for approximately XXXX months with meaningful spend and large, timely payments I have responsibly used this card and demonstrated consistent, low-risk credit behavior. \n\n\n\nFailure to Provide Required Adverse Action Notice More troubling, XXXX has failed to provide any Adverse Action Notice in connection with todays denial. \n\nThis is now the second CLI denial within approximately 60 days for which XXXX  promised but failed to deliver an adverse action notice. I never received the required notice by email or mail for the prior denial either. \n\nUnder FCRA 615 ( 15 U.S.C. 1681m ), creditors are required to provide a timely and accurate adverse action notice when credit is denied, including : The specific reasons for the denial The consumer reporting agency relied upon The consumers rights under federal law XXXX repeated failure to provide this notice constitutes non-compliance with federal law.\n\nBasis for CFPB Complaint This complaint is based on : 1. Misleading and inconsistent credit decisioning ( approval shown, then reversed ) 2. Failure to provide legally required Adverse Action Notices 3. Lack of transparency and due process in credit decisions 4. Pattern of repeated non-compliance, not an isolated oversight Resolution Sought I respectfully request that the CFPB require XXXX XXXX XXXX to : 1. Conduct an immediate senior-level manual review of my credit line increase request 2. Provide a written explanation for why an approval was reversed into a denial 3. Issue all legally required Adverse Action Notices immediately, including for prior denials 4. Ensure XXXX XXXX process is brought into full compliance with the FCRA I am seeking a prompt, informal resolution but require transparency, accountability, and legal compliance in matters affecting my credit.\n\nAdditional Notes I am a financially responsible consumer with a long, stable credit history. I do not object to legitimate underwriting decisions ; however, I do object to arbitrary, opaque, and non-compliant credit practices that violate federal law and undermine consumer protections.","date_sent_to_company":"2026-02-11T17:59:02.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"908XX","tags":null,"has_narrative":true,"complaint_id":"19423718","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Winklevoss Exchange LLC","date_received":"2026-02-11T17:55:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["Failure to <em>Provide</em> <em>Required</em> <em>Adverse</em> Action Notice More troubling, <em>XXXX</em> has <em>failed</em> to <em>provide</em> any <em>Adverse</em> Action Notice in connection with todays denial. \n\nThis is now the second CLI denial within approximately 60 days for which <em>XXXX</em>  promised but <em>failed</em> to deliver an <em>adverse</em> action notice. I never received the <em>required</em> notice by email or mail for the prior denial either."]},"sort":[18.769775,"19423718"]},{"_index":"complaint-public-v1","_id":"11560884","_score":18.14951,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint : Equifax Non-Compliance with Section 605C of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint regarding Equifaxs failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of human trafficking, I have exercised my rights under this law to request the blocking of adverse information on my Equifax credit file. Despite my repeated attempts and submission of all required documentation, Equifax has failed to honor my request. \n\nI have provided Equifax with the following : A self-attestation letter signed by myself and an authorized XXXX from an authorized agency. \nA victim determination letter co-signed by myself and the authorized agency. \n\nThese documents have been submitted three to four times. While XXXX has accepted the same documentation and blocked the adverse information in compliance with Section 605C, Equifax has not done so, causing inconsistencies across my credit reports. \n\nEquifax has repeatedly sent me the same form letters in response to my submissions, offering no meaningful human review or clarification of their denial. Additionally, Equifax has claimed that the victim determination letter I provided does not qualify under their standards, but they have not specified why. Furthermore, they have claimed that XXXX XXXX XXXX XXXX XXXX is not a recognized or acceptable agency for signing my self-attestation letter, yet they have failed to provide a list of agencies they deem acceptable. \n\nI am therefore requesting the CFPB to : XXXX. Investigate the methods and tools Equifax uses to deny requests to block adverse information and require that my submissions receive a full human review. \nXXXX. Request a sample of an acceptable victim determination letter under XXXX standards so that I can ensure compliance with their specific requirements. \nXXXX. Require Equifax to provide a list of agencies in XXXX that they recognize as authorized to sign off on self-attestation letters, given their rejection of XXXX XXXX XXXX XXXX XXXX \n\nAs a trafficking survivor, I have followed all required steps and provided all documentation mandated by Section XXXX. XXXX continued failure to honor my request not only violates my rights but also prolongs the harm caused by adverse information that should be removed from my credit file. I respectfully ask the CFPB to act on my behalf to ensure XXXX compliance with the FCRA. Also In violation, Equifax claim my dispute to block adverse information on my credit report was denied because I didnt respond to their Second attempt to provide documentation even though Ive tried XXXX times with the CFPB Thank you for your attention to this urgent matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-17T16:04:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43147","tags":null,"has_narrative":true,"complaint_id":"11560884","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-17T16:04:08.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Furthermore, they have claimed that <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> is not a recognized or acceptable agency for signing my self-attestation letter, yet they have <em>failed</em> to <em>provide</em> a list of agencies they deem acceptable. \n\nI am therefore requesting the CFPB to : <em>XXXX</em>. Investigate the methods and tools Equifax uses to deny requests to block <em>adverse</em> information and <em>require</em> that my submissions receive a full human review. \n<em>XXXX</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[18.14951,"11560884"]},{"_index":"complaint-public-v1","_id":"11560497","_score":18.132315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint : Equifax Non-Compliance with Section 605C of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint regarding Equifaxs failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of human trafficking, I have exercised my rights under this law to request the blocking of adverse information on my Equifax credit file. Despite my repeated attempts and submission of all required documentation, Equifax has failed to honor my request. \n\nI have provided Equifax with the following : A self-attestation letter signed by myself and an authorized XXXX from an authorized agency. \nA victim determination letter co-signed by myself and the authorized agency. \n\nThese documents have been submitted three to four times. While XXXX has accepted the same documentation and blocked the adverse information in compliance with Section 605C, Equifax has not done so, causing inconsistencies across my credit reports. \n\nEquifax has repeatedly sent me the same form letters in response to my submissions, offering no meaningful human review or clarification of their denial. Additionally, Equifax has claimed that the victim determination letter I provided does not qualify under their standards, but they have not specified why. Furthermore, they have claimed that XXXX XXXX XXXX XXXX XXXX is not a recognized or acceptable agency for signing my self-attestation letter, yet they have failed to provide a list of agencies they deem acceptable. \n\nI am therefore requesting the CFPB to : XXXX. Investigate the methods and tools Equifax uses to deny requests to block adverse information and require that my submissions receive a full human review. \nXXXX. Request a sample of an acceptable victim determination letter under Equifaxs standards so that I can ensure compliance with their specific requirements. \nXXXX. Require Equifax to provide a list of agencies in Ohio that they recognize as authorized to sign off on self-attestation letters, given their rejection of XXXX XXXX XXXX XXXX XXXX \n\nAs a trafficking survivor, I have followed all required steps and provided all documentation mandated by Section 605C. Equifaxs continued failure to honor my request not only violates my rights but also prolongs the harm caused by adverse information that should be removed from my credit file. I respectfully ask the CFPB to act on my behalf to ensure Equifaxs compliance with the FCRA. Also In violation, Equifax claim my dispute to block adverse information on my credit report was denied because I didnt respond to their Second attempt to provide documentation even though Ive tried XXXX times with the CFPB Thank you for your attention to this urgent matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-17T16:04:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43147","tags":null,"has_narrative":true,"complaint_id":"11560497","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-17T16:04:08.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Furthermore, they have claimed that <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> is not a recognized or acceptable agency for signing my self-attestation letter, yet they have <em>failed</em> to <em>provide</em> a list of agencies they deem acceptable. \n\nI am therefore requesting the CFPB to : <em>XXXX</em>. Investigate the methods and tools Equifax uses to deny requests to block <em>adverse</em> information and <em>require</em> that my submissions receive a full human review. \n<em>XXXX</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[18.132315,"11560497"]},{"_index":"complaint-public-v1","_id":"11558281","_score":18.11312,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint : Equifax Non-Compliance with Section 605C of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint regarding Equifaxs failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of XXXX XXXX I have exercised my rights under this law to request the blocking of adverse information on my Equifax credit file. Despite my repeated attempts and submission of all required documentation, Equifax has failed to honor my request. \n\nI have provided Equifax with the following : A self-attestation letter signed by myself and an authorized XXXX from an authorized agency. \nA victim determination letter co-signed by myself and the authorized agency. \n\nThese documents have been submitted XXXX to XXXX times. While XXXX has accepted the same documentation and blocked the adverse information in compliance with XXXX XXXX, Equifax has not done so, causing inconsistencies across my credit reports. \n\nEquifax has repeatedly sent me the same form letters in response to my submissions, offering no meaningful human review or clarification of their denial. Additionally, Equifax has claimed that the victim determination letter I provided does not qualify under their standards, but they have not specified why. Furthermore, they have claimed that Ohio Job and Family Services is not a recognized or acceptable agency for signing my self-attestation letter, yet they have failed to provide a list of agencies they deem acceptable. \n\nI am therefore requesting the CFPB to : XXXX. Investigate the methods and tools Equifax uses to deny requests to block adverse information and require that my submissions receive a full human review. \nXXXX. Request a sample of an acceptable victim determination letter under XXXX standards so that I can ensure compliance with their specific requirements. \nXXXX. Require Equifax to provide a list of agencies in Ohio that they recognize as authorized to sign off on self-attestation letters, given their rejection of Ohio Job and Family Services. \n\nAs a XXXX survivor, I have followed all required steps and provided all documentation mandated by Section 605C. Equifaxs continued failure to honor my request not only violates my rights but also prolongs the harm caused by adverse information that should be removed from my credit file. I respectfully ask the CFPB to act on my behalf to ensure Equifaxs compliance with the FCRA. Also In violation, Equifax claim my dispute to block adverse information on my credit report was denied because I didnt respond to their Second attempt to provide documentation even though Ive tried 3-4 times with the CFPB Thank you for your attention to this urgent matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-17T16:03:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43147","tags":null,"has_narrative":true,"complaint_id":"11558281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-17T15:16:30.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Furthermore, they have claimed that Ohio Job and Family Services is not a recognized or acceptable agency for signing my self-attestation letter, yet they have <em>failed</em> to <em>provide</em> a list of agencies they deem acceptable. \n\nI am therefore requesting the CFPB to : <em>XXXX</em>. Investigate the methods and tools Equifax uses to deny requests to block <em>adverse</em> information and <em>require</em> that my submissions receive a full human review. \n<em>XXXX</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[18.11312,"11558281"]},{"_index":"complaint-public-v1","_id":"10972550","_score":17.546688,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am writing to file a formal complaint against Bank of America and XXXX XXXX for violations of federal consumer protection laws and regulations, as outlined below. \n15 U.S.C. 1611 : Bank of America and XXXX have failed to adhere to the Truth in Lending Acts ( TILA ) provisions, which mandate accurate disclosures of credit terms to consumers. Misleading or incomplete reporting of financial obligations has had an adverse impact on my credit report and access to credit.\n\n15 U.S.C. 1602 : Both entities have failed to ensure the transparency and accuracy of credit transactions as required by this statute, which defines key terms and obligations under TILA.\n\n15 U.S.C. 1691 ( a ) : I believe Bank of America has engaged in discriminatory practices in violation of the Equal Credit Opportunity Act ( ECOA ). This section prohibits creditors from discriminating against any applicant based on factors unrelated to creditworthiness. \n\nXXXX2 CFR 1002.4 : Bank of America failed to notify me of adverse actions or provide clear, written reasons for decisions affecting my credit application or account.\n\n12 CFR 1002.2 : XXXX has provided inaccurate or misleading credit report data, resulting in adverse actions against me, including potential denial or higher costs of credit. \n\nTransUnion LLC v. Ramirez, 594 U.S. ( 2021 ) : XXXX 's conduct demonstrates a disregard for consumer rights, as highlighted in the Supreme Courts ruling. Their failure to meet the FCRAs requirements regarding accuracy and disclosure of consumer data directly impacts my credit standing.\n\nDetails of the Complaint Bank of America and XXXX XXXX have collectively contributed to errors and misrepresentations in my credit report. Despite my attempts to resolve these issues, the following concerns remain unaddressed : Failure to Correct Inaccurate Reporting : XXXX continues to report erroneous information on my credit report, leading to adverse actions against me. \nLack of Proper Notification : Bank of America has failed to notify me of adverse actions or provide sufficient explanations for their decisions. \nFailure to Ensure Maximum Accuracy : XXXX has not upheld its obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer reports, as required under 15 U.S.C. 1681e ( b ).\n\nRequested Resolution I request the CFPB to : Conduct a full investigation into Bank of Americas and XXXX XXXX  actions. \nRequire XXXX to immediately correct inaccuracies on my credit report and provide evidence of compliance with 15 U.S.C. 1681e ( b ).\n\nRequire Bank of America to provide clear documentation of their adverse actions and verify compliance with ECOA and related regulations.\n\nLevy appropriate penalties for noncompliance to ensure accountability and prevent similar misconduct in the future. \nSupporting Documentation I have attached copies of my credit report, correspondence with Bank of America and XXXX, and any additional documentation to support this complaint. \n\nThank you for your attention to this matter. I trust that the CFPB will take appropriate action to uphold my rights under federal law and ensure accountability for these violations. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-11-30T04:05:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44146","tags":"Servicemember","has_narrative":true,"complaint_id":"10972550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-11-30T04:05:45.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Require</em> <em>XXXX</em> to immediately correct inaccuracies on my credit <em>report</em> and <em>provide</em> evidence of <em>compliance</em> with 15 U.S.C. 1681e ( b ).\n\n<em>Require</em> Bank of America to <em>provide</em> clear documentation of their <em>adverse</em> actions and verify <em>compliance</em> with ECOA and related regulations.\n\nLevy appropriate penalties for noncompliance to ensure accountability and prevent similar misconduct in the future."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.546688,"10972550"]},{"_index":"complaint-public-v1","_id":"18076308","_score":17.205925,"_source":{"product":"Credit card","complaint_what_happened":"Capital One closed my long-standing Quicksilver account ending in XXXX without providing a legally required adverse action notice under the Equal Credit Opportunity Act ( ECOA ) and Regulation XXXX. \n\nI received a letter dated XX/XX/year> stating only that the account was being closed because of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX de XXXX XXXX ( activity not compatible with typical account use ). This is not a legally compliant specific reason and does not satisfy ECOAs requirement for an adverse action notice. The letter does not include : A specific legitimate reason for the account closure XXXXrequired adverse action disclosures Notice of my right to request additional information Any lawful explanation regarding the decision Furthermore, this closure occurred immediately after I filed disputes regarding inaccurate late payment reporting and an active CFPB complaint. Capital One had failed to provide the required documentation under XXXX U.S.C. XXXX and XXXX ( b ) regarding billing statement delivery, and instead of responding properly, they restricted and ultimately closed my account. This appears retaliatory. \n\nCapital One also failed to provide proof of : Periodic statement delivery 21 days prior to due dates Compliance with XXXX ( b ) disclosure requirements Negative reporting notice required under XXXX U.S.C. XXXX ( a ) ( XXXX ) A proper reinvestigation under FCRA XXXX ( b )","date_sent_to_company":"2025-12-02T16:03:58.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"34243","tags":null,"has_narrative":true,"complaint_id":"18076308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-02T15:43:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Capital One had <em>failed</em> to <em>provide</em> the <em>required</em> documentation under <em>XXXX</em> U.S.C. <em>XXXX</em> and <em>XXXX</em> ( b ) regarding billing statement delivery, and instead of responding properly, they restricted and ultimately closed my account. This appears retaliatory. \n\nCapital One also <em>failed</em> to <em>provide</em> proof of : Periodic statement delivery 21 days prior to due dates <em>Compliance</em> with <em>XXXX</em> ( b ) disclosure requirements Negative <em>reporting</em> notice <em>required</em> under <em>XXXX</em> U.S.C."]},"sort":[17.205925,"18076308"]},{"_index":"complaint-public-v1","_id":"10972559","_score":17.116066,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXXXXXX and TransUnion LLC for violations of federal consumer protection laws and regulations, as outlined below. \n15 U.S.C. 1611 : XXXX  XXXX XXXX and TransUnion have failed to adhere to the Truth in Lending Acts ( TILA ) provisions, which mandate accurate disclosures of credit terms to consumers. Misleading or incomplete reporting of financial obligations has had an adverse impact on my credit report and access to credit. \n\n15 U.S.C. 1602 : Both entities have failed to ensure the transparency and accuracy of credit transactions as required by this statute, which defines key terms and obligations under TILA.\n\n15 U.S.C. 1691 ( a ) : I believe XXXX  XXXX XXXX has engaged in discriminatory practices in violation of the Equal Credit Opportunity Act ( ECOA ). This section prohibits creditors from discriminating against any applicant based on factors unrelated to creditworthiness. \n\n12 CFR 1002.4 : XXXX  XXXX XXXX failed to notify me of adverse actions or provide clear, written reasons for decisions affecting my credit application or account. \n\n12 CFR 1002.2 : TransUnion has provided inaccurate or misleading credit report data, resulting in adverse actions against me, including potential denial or higher costs of credit. \n\nTransUnion LLC v. Ramirez, 594 U.S. ( 2021 ) : TransUnion 's conduct demonstrates a disregard for consumer rights, as highlighted in the Supreme Courts ruling. Their failure to meet the FCRAs requirements regarding accuracy and disclosure of consumer data directly impacts my credit standing. \n\nDetails of the Complaint XXXX  XXXX XXXX and TransUnion LLC have collectively contributed to errors and misrepresentations in my credit report. Despite my attempts to resolve these issues, the following concerns remain unaddressed : Failure to Correct Inaccurate Reporting : TransUnion continues to report erroneous information on my credit report, leading to adverse actions against me. \nLack of Proper Notification : XXXX  XXXX XXXX has failed to notify me of adverse actions or provide sufficient explanations for their decisions. \nFailure to Ensure Maximum Accuracy : TransUnion has not upheld its obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer reports, as required under 15 U.S.C. 1681e ( b ).\n\nRequested Resolution I request the CFPB to : Conduct a full investigation into XXXX XXXX XXXX  and TransUnion LLCs actions.\n\nRequire TransUnion to immediately correct inaccuracies on my credit report and provide evidence of compliance with 15 U.S.C. 1681e ( b ).\n\nRequire XXXX XXXX XXXXXXXX to provide clear documentation of their adverse actions and verify compliance with ECOA and related regulations.\n\nLevy appropriate penalties for noncompliance to ensure accountability and prevent similar misconduct in the future.\n\nSupporting Documentation I have attached copies of my credit report, correspondence with XXXX XXXX XXXXXXXX and TransUnion, and any additional documentation to support this complaint. \n\nThank you for your attention to this matter. I trust that the CFPB will take appropriate action to uphold my rights under federal law and ensure accountability for these violations. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-11-30T04:05:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44146","tags":"Servicemember","has_narrative":true,"complaint_id":"10972559","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-30T03:20:37.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Require</em> TransUnion to immediately correct inaccuracies on my credit <em>report</em> and <em>provide</em> evidence of <em>compliance</em> with 15 U.S.C. 1681e ( b ).\n\n<em>Require</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX to <em>provide</em> clear documentation of their <em>adverse</em> actions and verify <em>compliance</em> with ECOA and related regulations.\n\nLevy appropriate penalties for noncompliance to ensure accountability and prevent similar misconduct in the future."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.116066,"10972559"]},{"_index":"complaint-public-v1","_id":"8432666","_score":17.094694,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"XX/XX/year> - Upgrade failed to provide appropriate required adverse action notifications.\n\n-I feel the decision regarding my credit was based on unlawful reasons because they did not follow their own described processes in my case.\n\n-Upgrade took an adverse action on my account and failed and ultimately refused to disclose what \" information that was relied on '' to make the credit decision.\n\n-Upgrade alleged that I had \" Serious Delinquencies '' - This is not true. I have no serious delinquency or collections on my credit report. \n\n-Upgrade alleged they relied on credit report from \" XXXX XXXX, however, they did not pull a credit report at or around the time of the decision. I have a freeze my information with the other two \" possible '' credit agencies described in their decision. \n\n-My agreement with Upgrade allows for periodic review of \" credit reports '' and nothing else. I have not given authorization for disclose any other personal information. \n\n-Upgrade, willfully, failed to investigate dispute after notification of credit -Upgrade failed to ensure appropriate processes and employee training to ensure compliance with adverse action notification and dispute resolution requirements. \n\n-When I called regarding disputed and requested escalation, my request was refused and the company failed to make correction or investigation.","date_sent_to_company":"2024-02-27T17:53:31.000Z","issue":"Incorrect information on your report","sub_product":"Personal line of credit","zip_code":"77338","tags":null,"has_narrative":true,"complaint_id":"8432666","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-02-27T16:11:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XX/XX/year> - Upgrade <em>failed</em> to <em>provide</em> appropriate <em>required</em> <em>adverse</em> action notifications.\n\n-I feel the decision regarding my credit was based on unlawful reasons because they did not follow their own described processes in my case.\n\n-Upgrade took an <em>adverse</em> action on my account and <em>failed</em> and ultimately refused to disclose what \" information that was relied on '' to make the credit decision.\n\n-Upgrade alleged that I had \" Serious Delinquencies '' - This is not true."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[17.094694,"8432666"]},{"_index":"complaint-public-v1","_id":"14938220","_score":17.004763,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/year>, I submitted two applications to SoFi Bank : ( 1 ) a {$13000.00} personal loan and ( 2 ) a SoFi Unlimited 2 % Credit Card. On XX/XX/year>, SoFi issued adverse action notices denying both applications. The stated reasons were limited to vague, boilerplate phrases such as lack of recent bank/national revolving information, serious delinquency, and too few accounts currently paid as agreed, without identifying any specific accounts, dates, or credit items. \n\nThese notices fail to meet the specificity requirements under the Equal Credit Opportunity Act ( ECOA ) and Regulation B ( 12 CFR 1002.9 ), as well as the Fair Credit Reporting Act ( 15 U.S.C. 1681m ), both of which require creditors to provide actual, specific reasons sufficient for the applicant to understand and correct any alleged deficiencies. The use of non-specific, template language constitutes a violation under both statutes. \n\nDuring the application process, I purchased XXXX XXXX XXXX # XXXX ( XXXX XXXX # XXXX ). USPS confirms that this instrument was cashed, establishing a record of funds connected to my applications. SoFi has failed to acknowledge, apply, or refund these funds, raising issues of improper handling of consumer payments and potential violations of federal banking law and mail fraud statutes. \n\nOn XX/XX/year>, I sent a secure email requesting : ( XXXX ) copies of my completed applications, ( XXXX ) the credit report ( XXXX ) used for the adverse action, and ( XXXX ) a full accounting of the USPS money order. SoFi categorically refused to provide the applications or credit report, failed to produce any accounting of the money order, and simply referred me back to the same defective adverse action letters. \n\nThis conduct is not only non-compliant with ECOA and FCRA, it constitutes an unfair and abusive practice under the Dodd-Frank Act ( 12 U.S.C. 5531 ) by ( a ) denying credit based on undisclosed or vague reasons, ( b ) withholding consumer information necessary to dispute adverse actions, and ( c ) failing to properly account for consumer funds tied to a credit application. \n\nI am requesting immediate CFPB intervention and investigation to : Compel SoFi Bank to produce specific, detailed adverse action reasons in compliance with ECOA/FCRA.\n\nRequire SoFi to provide a full accounting of XXXX XXXX XXXX # XXXX and either apply or refund the funds. \n\nDetermine whether SoFis adverse action practices and handling of consumer payments constitute systemic violations and UDAAP under federal law. \n\nEnforce corrective measures to ensure compliance and restitution.","date_sent_to_company":"2025-07-30T05:05:16.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"63130","tags":null,"has_narrative":true,"complaint_id":"14938220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-07-30T03:08:01.000Z","state":"MO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/year>, I sent a secure email requesting : ( <em>XXXX</em> ) copies of my completed applications, ( <em>XXXX</em> ) the credit <em>report</em> ( <em>XXXX</em> ) used for the <em>adverse</em> action, and ( <em>XXXX</em> ) a full accounting of the USPS money order. SoFi categorically refused to <em>provide</em> the applications or credit <em>report</em>, <em>failed</em> to produce any accounting of the money order, and simply referred me back to the same defective <em>adverse</em> action letters."]},"sort":[17.004763,"14938220"]},{"_index":"complaint-public-v1","_id":"18049541","_score":16.672886,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"b'I need the Consumer Financial Protection Bureau to investigate violations of my rights under ECOA/Regulation B and FCRA/RegulationV disclosures.  For the deficiency of their adverse action notices.  HFS Financial  Failure to Provide Specific Adverse Action Reasons and Refusal to Accept CertifiedMail Dispute. ***I have attached a copy of that ECOA/FCRA dispute package for HFS Financial.  On 1XXXX  HFS Financial sent an adverseaction notice for my HELOC application that listed HFS Financial, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX as the contact address and provided a phone number for questions. I timely mailed a detailed written dispute and request for specific reasons to that address via XXXX  Certified Mail, Return Receipt Requested, tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows an attempted delivery on XXXX XXXX XXXX  and a notice left for pickup; the item may be returned if unclaimed. HFS has not acknowledged receipt, provided the required specific reasons under ECOA/Regulation B, nor provided required FCRA disclosures when an adverse action is based on a consumer report.  Regulation B (ECOA) requires creditors to provide a written adverseaction notice and to deliver it to the applicants last known address; notification occurs when mailed to that address.  FCRA/Regulation V requires specific disclosures when an adverse action is based on a consumer report and gives consumers the right to obtain and dispute the report.  Sending a certifiedmail dispute to the address provided on the adverseaction notice is a goodfaith compliance step; documented XXXX  delivery attempts and returnreceipt records are evidence of attempted delivery and notice.  Because HFS failed to provide specific principal reasons and has not acknowledged my written dispute, I cannot meaningfully challenge potential discriminatory or inaccurate underwriting factors, and my ability to correct creditreport errors is impaired. This ongoing failure has caused stress, delay in resolving credit issues, and potential financial harm.'","date_sent_to_company":"2025-12-03T02:13:59.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"77066","tags":null,"has_narrative":true,"complaint_id":"18049541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HFS Financial LLC","date_received":"2025-12-03T01:52:16.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Regulation B (ECOA) <em>requires</em> creditors to <em>provide</em> a written adverseaction notice and to deliver it to the applicants last known address; notification occurs when mailed to that address.  FCRA/Regulation V <em>requires</em> specific disclosures when an <em>adverse</em> action is based on a consumer <em>report</em> and gives consumers the right to obtain and dispute the <em>report</em>."]},"sort":[16.672886,"18049541"]},{"_index":"complaint-public-v1","_id":"12441710","_score":16.40731,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have noticed that the following accounts are being reported negatively on my credit file without proper verification or proof that all legal requirements were followed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, you are required to ensure that all reported information is accurate, verifiable, and complete. If you can not provide concrete proof of my obligation to these accounts, including documentation of compliance with all applicable laws and regulations, you must remove all negative and adverse remarks immediately. \n\nReporting unverifiable information is a direct violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). If you fail to provide full documentation on how these accounts were validated, verified, and remain in compliance with legal reporting standards, you are required by law to delete them from my credit report. \n\nI expect a response within the legally mandated timeframe and confirmation of the necessary corrections.","date_sent_to_company":"2025-03-12T21:31:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"36092","tags":null,"has_narrative":true,"complaint_id":"12441710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-12T20:07:19.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If you <em>fail</em> to <em>provide</em> full documentation on how these accounts were validated, verified, and remain in <em>compliance</em> with legal <em>reporting</em> standards, you are <em>required</em> by law to delete them from my credit <em>report</em>. \n\nI expect a response within the legally mandated timeframe and confirmation of the necessary corrections."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[16.40731,"12441710"]},{"_index":"complaint-public-v1","_id":"20397619","_score":16.308935,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Formal Complaint Potential Violations of Fair Credit Reporting Act and Equal Credit Opportunity Act Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX To Whom It May Concern, I am submitting this formal complaint regarding repeated denials of my credit applications despite maintaining a credit score of approximately XXXX. Based on prevailing underwriting standards, this score reflects a credit profile that should generally qualify for approval under reasonable lending criteria. \n\nDespite this, I have received multiple adverse action notices from various creditors. These notices have failed to provide specific, clear, and actionable reasons for denial, instead relying on vague or generalized statements that do not allow me to understand or remedy the alleged deficiencies in my credit profile. \n\nThis pattern raises serious concerns regarding potential non-compliance with federal consumer protection laws, including but not limited to : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires accuracy and transparency in credit-related decisions The Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., which mandates that creditors provide specific reasons for adverse actions taken against applicants The adverse action notices I have received appear insufficient under XXXX requirements, which obligate creditors to disclose the principal reasons for denial with enough specificity to allow a consumer to respond or correct any issues. Generalized or boilerplate responses do not meet this standard. \n\nFurthermore, the repeated denialswhen viewed in conjunction with my credit scoreraise concerns that additional, undisclosed criteria or internal scoring mechanisms may be disproportionately impacting my applications without proper transparency or justification. \n\nAs a result, I respectfully request that the Consumer Financial Protection Bureau : XXXX. Investigate the lending and disclosure practices of the creditors involved XXXX. Determine whether the adverse action notices provided comply with XXXX and FCRA requirements XXXX. Require creditors to provide clear, specific, and legally sufficient explanations for denial XXXX. Ensure that no unfair, discriminatory, or non-transparent practices are being applied I am prepared to provide supporting documentation, including copies of adverse action notices and credit reports, upon request. \n\nPlease treat this matter with the seriousness it warrants. I expect a thorough review and appropriate action to ensure compliance with all applicable federal laws. \n\nThe following I applied for Chase, XXXX, XXXX, XXXX XXXX as I receive mail all the time saying I am preapproved! Which is false!","date_sent_to_company":"2026-03-19T02:41:57.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"20397619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-03-19T02:32:05.000Z","state":"RI","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["This pattern raises serious concerns regarding potential non-<em>compliance</em> with federal consumer protection laws, including but not limited to : The Fair Credit <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681 et seq., which <em>requires</em> accuracy and transparency in credit-related decisions The Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., which mandates that creditors <em>provide</em> specific reasons for <em>adverse</em> actions taken against applicants The <em>adverse</em> action notices I have received appear insufficient"]},"sort":[16.308935,"20397619"]},{"_index":"complaint-public-v1","_id":"20862240","_score":16.2483,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I submitted a complete XXXX  block request to the credit reporting agency. My submission included proof of identity, a Victim Determination Document issued and signed by a detective with the XXXX XXXX Police Department XXXX XXXX XXXX XXXX, a written list of adverse items resulting from XXXX, and a full legal explanation citing 15 U.S.C. 1681c3 and 12 CFR 1022.142. The Victim Determination Document fully satisfies the federal definition of valid XXXX documentation because it was issued by a member of a XXXX XXXX task force authorized by a governmental entity, as described in 12 CFR 1022.142 ( b ) ( 6 ) ( i ) ( A ) ( 2 ). The XXXX XXXX XXXX XXXX Task Force is a multiagency, governmentauthorized lawenforcement task force that includes the XXXX XXXX Police Department, the California Department of Justice, the FBI, Homeland Security Investigations, the California Highway Patrol, the XXXX XXXX Sheriffs Department, the XXXX XXXX XXXX Attorneys Office, the U.S. Attorneys Office, and the XXXX XXXX XXXX XXXX. A detective assigned to this task force is legally recognized under federal regulation as an authorized issuer of XXXX documentation. \n\nFederal law requires the credit reporting agency to accept this documentation and block the adverse items I identified. Under 12 CFR 1022.142 ( c ), a consumer reporting agency may not furnish a consumer report containing any adverse item of information if the consumer has provided valid trafficking documentation. The agency is prohibited from denying a XXXX  block based on its own judgment about the facts or circumstances described in the documentation. The regulation explicitly states that the agency may not question the detective, the task force, the agency that issued the documentation, or whether it recognizes the organization, and it may not substitute its own judgment or reject the documentation for subjective reasons. Despite these prohibitions, the adverse items remain on my file. \n\nFederal law also requires the agency to block the adverse items within four business days of receiving my submission, as stated in 12 CFR 1022.142 ( e ) ( 1 ). This did not occur. The agency is required to attempt to resolve any deficiency in the consumers submission rather than simply rejecting it, as required by 12 CFR 1022.142 ( e ) ( 2 ) ( i ). No attempt was made to resolve anything. The agency is also required to notify me of its determination within five business days under 12 CFR 1022.142 ( f ) ( 1 ). No legally compliant notice was provided. \n\nThe only legally permissible reasons for denying a XXXX  block are if the agency can not confirm the consumers identity, if the consumer did not provide any victim determination documentation, or if the agency can not identify the adverse items. None of these apply to my submission. My identity was confirmed, my documentation was complete and valid, and the adverse items were clearly identified in writing. \n\nAs of today, the adverse account and multiple hard inquiries that resulted directly from XXXX XXXX remain unblocked and unremoved, despite the agency being federally required to remove them promptly. The agency failed to follow multiple mandatory federal requirements, failed to block the items within the required timeframe, failed to resolve any alleged deficiency, and failed to provide the required notice. I am requesting CFPB enforcement to ensure compliance with 15 U.S.C. 1681c3 and 12 CFR 1022.142.","date_sent_to_company":"2026-04-01T21:17:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"15237","tags":null,"has_narrative":true,"complaint_id":"20862240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-04-01T21:09:07.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The agency <em>failed</em> to follow multiple mandatory federal requirements, <em>failed</em> to block the items within the <em>required</em> timeframe, <em>failed</em> to resolve any alleged deficiency, and <em>failed</em> to <em>provide</em> the <em>required</em> notice. I am requesting CFPB enforcement to ensure <em>compliance</em> with 15 U.S.C. 1681c3 and 12 CFR 1022.142."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.2483,"20862240"]},{"_index":"complaint-public-v1","_id":"16602889","_score":16.161715,"_source":{"product":"Credit card","complaint_what_happened":"I was denied credit by Apple Card XXXX Goldman Sachs Bank USA, which constitutes an adverse action under 15 U.S.C. 1681a ( k ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ).\n\nGoldman Sachs failed to provide full disclosure as required under 15 U.S.C. 1681m ( a ) specifically : They did not clearly identify which credit reporting agency report ( s ) were used ; They failed to provide a copy of the adverse action notice within the time required by law ; They relied on inaccurate, outdated, or unverifiable information in determining creditworthiness. This constitutes willful and negligent noncompliance with the FCRA, causing loss of credit opportunity, emotional distress, and reputational damage. Legal Basis 15 U.S.C. 1681a ( k ) ( 1 ) : Defines adverse action in connection with credit denials. 15 U.S.C. 1681m ( a ) : Requires disclosure of the consumer reporting agency used.\n\n15 U.S.C. 1681n and 1681o : Provide for statutory, actual, and punitive damages for willful or negligent violations.\n\nRelief Requested Full investigation into Goldman Sachs Bank USAs denial process for Apple Card applicants ; Verified copy of the report ( s ) and criteria used to deny my application; Removal or correction of any inaccurate data shared with consumer reporting agencies ; Monetary damages of {$100000.00} for willful violation of the FCRA under 1681n & 1681o ; Written confirmation of corrective action and compliance by Goldman Sachs Bank USA.\n\nSupporting Law : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Requested Outcome : Correction of inaccurate data, formal written response, and monetary redress.","date_sent_to_company":"2025-10-15T16:09:56.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"48092","tags":null,"has_narrative":true,"complaint_id":"16602889","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-10-15T16:04:11.000Z","state":"MI","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Goldman Sachs <em>failed</em> to <em>provide</em> full disclosure as <em>required</em> under 15 U.S.C. 1681m ( a ) specifically : They did not clearly identify which credit <em>reporting</em> agency <em>report</em> ( s ) were used ; They <em>failed</em> to <em>provide</em> a copy of the <em>adverse</em> action notice within the time <em>required</em> by law ; They relied on inaccurate, outdated, or unverifiable information in determining creditworthiness."]},"sort":[16.161715,"16602889"]},{"_index":"complaint-public-v1","_id":"10633578","_score":15.934728,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Midland Mortgages persistent non-compliance with federal statutes and the Uniform Commercial Code ( UCC ). Despite repeated requests, Midland Mortgage has failed to provide necessary original documentation related to my mortgage, neglected lawful redemption of the negotiable instrument, and engaged in practices suggesting securities fraud and a lack of transparency. On multiple seperate occasions i have sent via certified main and registered mail documents with requests for specific information, XX/XX/XXXX I sent Midland Mortgage a Securities Fraud Letter via certified mail, addressing concerns regarding the handling of the mortgages negotiable instrument. No response was provided, despite documented receipt. \n\nXX/XX/XXXX I requested original mortgage documents, including the promissory note with my wet signature, deed of trust, and proof of full disclosure at the time of signing. This request received no response. \n\nXX/XX/XXXX A follow-up request was sent due to Midland Mortgages non-compliance. They again failed to provide the documents, indicating disregard for my lawful rights. \n\nXX/XX/XXXX I issued a formal Notice of Default to Midland Mortgage, outlining their violations of RESPA, TILA, and UCC provisions. This notice, along with a invoice, demanded Midland Mortgage comply with the UCC 3-501 right to inspect the original note and identified their failure under UCC 3-104 to redeem my negotiable instruments with written instructions. Midland Mortgages failure to produce documents, address securities fraud concerns, and rectify inaccuracies on my credit report constitutes multiple violations including 15 USC 1637 and 15 USC 1666B ( a ) - Late Payment Reporting Violation Midland Mortgage neglected to correct inaccurate late payment information on my credit report, in violation of federal law. \n\n15 USC 1681s-2 ( b ) - Failure to Investigate Disputed Credit Information As a furnisher of credit information, Midland Mortgage failed to adequately investigate my disputes or correct erroneous entries, reflecting a disregard for accurate credit reporting obligations.\n\n15 USC 1692e - False or Misleading Representations Midland Mortgage provided misleading and false representations concerning debt collection and credit reporting, further compounding their misrepresentation violations.\n\n12 USC 2605 - Real Estate Settlement Procedures Act ( RESPA ) Violation Midland Mortgage failed to provide the original deed and mortgage note within the legally required timeframe, violating RESPA and hindering transparency in real estate settlements.\n\n15 USC 1681m - Failure to Provide Notice of Adverse Action Midland Mortgage did not issue notices of adverse actions based on credit information as required under the Fair Credit Reporting Act ( FCRA ), depriving me of my legal rights for redress.\n\n15 USC 1640 - Civil Liability under the Truth in Lending Act ( TILA ) By failing to provide full and accurate disclosures required by TILA, Midland Mortgages omissions raise concerns of incomplete and misleading disclosures, violating federal lending standards. \n\nUniform Commercial Code ( UCC ) Article 3 - Negotiable Instruments Midland Mortgage has failed to uphold UCC 3-501, which entitles me to inspect the original promissory note as a negotiable instrument establishing debt enforceability. Without the original document, the debt is unenforceable under UCC law, suggesting intentional avoidance of compliance with 3-104 requirements for negotiable instruments. Initiate a formal investigation into Midland Mortgages practices reg\narding securities fraud, failure to provide original documents, and lack of compliance with UCC 3-501 and 3-104.\n\nMandate Midland Mortgage to produce the original promissory note, deed of trust, and full disclosure documentation or confirm the unenforceability of the debt in the absence of these documents. \nEnforce financial penalties and sanctions for Midland Mortgages multiple statutory violations, including RESPA, TILA, and UCC non-compliance.\n\nEscalate regulatory scrutiny as needed to ensure compliance with consumer protection laws and prevent similar misconduct in the future.\n\nThis complaint is accompanied by certified mail receipts, all formal document requests, the Notice of Default, and an invoice documenting each federal and UCC violation. \n\nCertified mail # XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ).","date_sent_to_company":"2024-10-30T18:02:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"45840","tags":null,"has_narrative":true,"complaint_id":"10633578","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MIDFIRST BANK","date_received":"2024-10-30T17:54:06.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["the legally <em>required</em> timeframe, violating RESPA and hindering transparency in real estate settlements.\n\n15 USC 1681m - Failure to <em>Provide</em> Notice of <em>Adverse</em> Action Midland Mortgage did not issue notices of <em>adverse</em> actions based on credit information as <em>required</em> under the Fair Credit <em>Reporting</em> Act ( FCRA ), depriving me of my legal rights for redress.\n\n15 USC 1640 - Civil Liability under the Truth in Lending Act ( TILA ) By failing to <em>provide</em> full and accurate disclosures <em>required</em> by TILA, Midland"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.934728,"10633578"]},{"_index":"complaint-public-v1","_id":"17830673","_score":15.883827,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern, This is a rebuttal to the previously submitted claim # XXXX, Chase Banks claim that they notified me of a credit limit reduction on my Chase Sapphire personal credit card on XX/XX/XXXX. That claim is false. I did not receive any notificationby email, mail, or secure messageon or around XX/XX/XXXX regarding any reduction to my Sapphire credit line. \n\nThe only communication I received from Chase was after I called to inquire why my limit was suddenly lowered without notice. The representative then sent an email to me in XXXX, long after the limit had already been reduced. I have attached screenshots of both emails that clearly differentiate between : Business credit accounts ( Chase XXXX XXXX XXXX XXXX XXXX ) Personal credit accounts ( Chase Sapphire ) Neither email shows any notification originating on XX/XX/XXXX. \n\nIn addition : I received no letters at my home address. \n\nI received no letters at my business address. \n\nNo secure message was ever posted to my Chase online portal. \n\nNo adverse action notice was issued as required by federal law. \n\nChases retroactive email was sent only after I called and questioned the sudden reduction. \n\nThis proves beyond question that Chase did not notify me prior to, or at the time of, taking adverse action against my account.\n\nFederal Laws Violated 1. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 ( d ) ECOA requires creditors to provide written adverse action notice whenever they : Reduce a credit limit, Terminate credit, or Make any unfavorable change to a consumers account.\n\nChase provided no such notice for the Sapphire reduction.\n\nThe only letter I received pertained to my business accounts, which is not compliant.\n\nThis is a direct violation of ECOA.\n\n2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681m ( a ) If Chase used my consumer credit report in making this adverse decision, they are legally required to notify me and provide : The name of the credit bureau used, My right to obtain a copy of the report, My right to dispute inaccurate information. \n\nChase provided none of this. \n\n3. FCRA Permissible Purpose 15 U.S.C. 1681b ( a ) If Chase accessed my credit report in connection with this adverse actionand then failed to notify methis access may not meet the standard of permissible purpose under the law.\n\nThis is even more concerning because no warning or documentation was ever provided.\n\nImpact on My Credit Profile Chases unauthorized and undisclosed credit limit reduction negatively impacted my credit by : Increasing my reported utilization ratio Potentially lowering my credit score Creating instability on my credit profile Reducing available credit on a longstanding, well-maintained account This harm occurred because Chase failed to properly notify me, failed to issue an adverse action notice, and misrepresented their claim of contacting me on XX/XX/XXXX. \n\nRequested Action I am requesting CFPB review to require Chase to : Provide proof of any notification sent on XX/XX/XXXX ( none exists ). \n\nProvide the legally required adverse action notice for the Sapphire account. \n\nRestore my previous credit limit or provide a lawful, documented justification. \n\nExplain why no letter was sent to either my business or home address. \n\nDisclose whether my credit report was accessed and document the permissible purpose. \n\nChases actions are not compliant with ECOA and FCRA, and the lack of proper notification has caused direct and measurable harm to my credit. \n\nThe documents attached show that Chase was not in compliance. \n\nThank you for your time and attention.","date_sent_to_company":"2025-11-24T18:06:44.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"23220","tags":null,"has_narrative":true,"complaint_id":"17830673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-24T17:54:37.000Z","state":"VA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Requested Action I am requesting CFPB review to <em>require</em> Chase to : <em>Provide</em> proof of any notification sent on XX/XX/<em>XXXX</em> ( none exists ). \n\n<em>Provide</em> the legally <em>required</em> <em>adverse</em> action notice for the Sapphire account. \n\nRestore my previous credit limit or <em>provide</em> a lawful, documented justification. \n\nExplain why no letter was sent to either my business or home address. \n\nDisclose whether my credit <em>report</em> was accessed and document the permissible purpose."]},"sort":[15.883827,"17830673"]},{"_index":"complaint-public-v1","_id":"17281608","_score":15.878206,"_source":{"product":"Credit card","complaint_what_happened":"Citi abruptly and without notice closed multiple of my credit-card accounts, including my Citi XXXX XXXX XXXX XXXX XXXX, despite all accounts being in good standing and current. I received no advance warning, no adverse-action notice, and no explanation. \n\nAfter calling customer service, I was told no one could provide a reason and that I must write to the XXXX Response Unit in XXXX XXXX, SD. I sent XXXX written requests ( XX/XX/XXXX and XX/XX/year> ) demanding the factual basis for the closures and asking whether the decision was related to any protected characteristic or discriminatory factor. \n\nCiti responded on XX/XX/year> with a generic statement asserting compliance with anti-discrimination laws but still refused to state why my accounts were closed, saying the reason was internal and proprietary. This response fails to meet the requirements of the Equal Credit Opportunity Act ( 12 CFR 1002.9 ( a ) ( 2 ) ), which obligates creditors to provide a specific reason for any adverse action. \n\nCitis lack of explanation and refusal to disclose the decision basis appear to violate the ECOA and possibly the Fair Credit Reporting Act. I am requesting that the CFPB require Citi to provide a proper written adverse-action notice identifying the true reason ( XXXX ) for closure, and to review whether Citis internal practices are consistent with Regulation B.","date_sent_to_company":"2025-11-16T22:40:03.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"89128","tags":null,"has_narrative":true,"complaint_id":"17281608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-11-16T22:33:15.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB <em>require</em> Citi to <em>provide</em> a proper written <em>adverse</em>-action notice identifying the true reason ( <em>XXXX</em> ) for closure, and to review whether Citis internal practices are consistent with Regulation B."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.878206,"17281608"]},{"_index":"complaint-public-v1","_id":"10633617","_score":15.7482395,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Mortgages persistent non-compliance with federal statutes and the XXXX  XXXX XXXX ( XXXX  ). Despite repeated requests, XXXX Mortgage has failed to provide necessary original documentation related to my mortgage, neglected lawful redemption of the negotiable instrument, and engaged in practices suggesting securities fraud and a lack of transparency. On multiple seperate occasions i have sent via certified main and registered mail documents with requests for specific information, XX/XX/XXXX I sent XXXX Mortgage XXXX XXXX XXXX XXXX via certified mail, addressing concerns regarding the handling of the mortgages negotiable instrument. No response was provided, despite documented receipt. \n\nXX/XX/XXXX I requested original mortgage documents, including the promissory note with my wet signature, deed of trust, and proof of full disclosure at the time of signing. This request received no response. \n\nXX/XX/XXXX A follow-up request was sent due to XXXX Mortgages XXXX. They again failed to provide the documents, indicating disregard for my lawful rights. \n\nXX/XX/XXXX I issued a formal Notice of Default to XXXX Mortgage, outlining their violations of RESPA, TILA, and XXXX provisions. This notice, along with a invoice, demanded XXXX Mortgage comply with the UCC 3-501 right to inspect the original note and identified their failure under UCC 3-104 to redeem my negotiable instruments with written instructions. XXXX XXXX failure to produce documents, address securities fraud concerns, and rectify inaccuracies on my credit report constitutes multiple violations including 15 USC 1637 and 15 USC 1666B ( a ) - Late Payment Reporting Violation XXXX Mortgage neglected to correct inaccurate late payment information on my credit report, in violation of federal law. \n\n15 USC 1681s-2 ( b ) - Failure to Investigate Disputed Credit Information As a furnisher of credit information, XXXX Mortgage failed to adequately investigate my disputes or correct erroneous entries, reflecting a disregard for accurate credit reporting obligations. \n\n15 USC 1692e - False or Misleading Representations XXXX Mortgage provided misleading and false representations concerning debt collection and credit reporting, further compounding their misrepresentation violations. \n\n12 USC 2605 - Real Estate Settlement Procedures Act ( RESPA ) Violation XXXX Mortgage failed to provide the original deed and mortgage note within the legally required timeframe, violating RESPA and hindering transparency in real estate settlements. \n\n15 USC 1681m - Failure to Provide Notice XXXXf Adverse Action XXXX Mortgage did not issue notices of adverse actions based on credit information as required under the Fair Credit Reporting Act ( FCRA ), depriving me of my legal rights for redress. \n\n15 USC 1640 - Civil Liability under the Truth in Lending Act ( TILA ) By failing to provide full and accurate disclosures required by TILA, XXXX XXXX omissions raise concerns of incomplete and misleading disclosures, violating federal lending standards. \n\nXXXX XXXX XXXX XXXX XXXX XXXX Article 3 - Negotiable Instruments XXXX Mortgage has failed to uphold UCC 3-501, which entitles me to inspect the original promissory note as a negotiable instrument establishing debt enforceability. Without the original document, the debt is unenforceable under XXXX law, suggesting intentional avoidance of compliance with XXXX requirements for negotiable instruments. \nInitiate a formal investigation into XXXX Mortgages practices regarding securities fraud, failure to provide original documents, and lack of compliance with UCC 3-501 and 3-104. \nXXXX XXXX Mortgage to produce the original promissory note, deed of trust, and full disclosure documentation or confirm the unenforceability of the debt in the absence of these documents. \nEnforce financial penalties and sanctions for XXXX XXXX multiple statutory violations, including RESPA, TILA, and XXXX non-compliance. \nEscalate regulatory scrutiny as needed to ensure compliance with consumer protection laws and prevent similar misconduct in the future. \nThis complaint is accompanied by certified mail receipts, all formal document requests, the Notice of Default, and an invoice documenting each federal and XXXX violation. \n\nCertified mail # XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ).","date_sent_to_company":"2024-10-30T18:02:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"45840","tags":null,"has_narrative":true,"complaint_id":"10633617","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-30T18:02:14.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["timeframe, violating RESPA and hindering transparency in real estate settlements. \n\n15 USC 1681m - Failure to <em>Provide</em> Notice XXXXf <em>Adverse</em> Action <em>XXXX</em> Mortgage did not issue notices of <em>adverse</em> actions based on credit information as <em>required</em> under the Fair Credit <em>Reporting</em> Act ( FCRA ), depriving me of my legal rights for redress. \n\n15 USC 1640 - Civil Liability under the Truth in Lending Act ( TILA ) By failing to <em>provide</em> full and accurate disclosures <em>required</em> by TILA, <em>XXXX</em> <em>XXXX</em> omissions raise"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.7482395,"10633617"]},{"_index":"complaint-public-v1","_id":"13156334","_score":15.734709,"_source":{"product":"Prepaid card","complaint_what_happened":"Formal Statement Regarding Disputed Check and Noncompliance by XXXX XXXXk On XX/XX/XXXX, I was issued a check in the amount of {$18000.00} as the resolution of a financial dispute. However, the check was subsequently voided by XXXX XXXX I was later informed that the check had been voided due to an alleged determinationreached upon further reviewthat I was involved in the unauthorized negotiation of the check. This allegation is categorically false. \n\nI have formally requested that XXXX XXXX provide evidentiary documentation substantiating its claim that I was involved in cashing the check. To date, no such evidence has been presented. \n\nMoreover, XXXX XXXX  has failed to comply with its obligations under federal law. Specifically, the company has not adhered to : Regulation E ( 12 CFR 1005.11 ), which requires financial institutions to conduct a reasonable investigation of consumer claims of error and to provide the results of that investigation to the consumer ; Regulation B ( 12 CFR 1002.9 ), which mandates that creditors provide notice of action taken and the reasons for adverse decisions ; and Regulation Z ( 12 CFR Part 1026 ), which enforces transparency in credit transactions and requires detailed disclosures. \nThese regulations collectively require that I be furnished with a clear explanation of the basis for the adverse determination, as well as any findings made during the course of XXXX XXXX investigation. That disclosure has not occurred. \n\nDue to the seriousness of this matter and XXXX XXXX ongoing noncompliance, I have contacted the Federal Bureau of Investigation ( FBI ) and reported these circumstances for further review and potential investigation. \n\nI respectfully request that XXXX XXXX immediately provide all relevant documentation and findings related to the voiding of this check and the determination of liability, in full compliance with the applicable federal regulations.","date_sent_to_company":"2025-04-24T16:43:57.000Z","issue":"Unexpected or other fees","sub_product":"Government benefit card","zip_code":"90028","tags":null,"has_narrative":true,"complaint_id":"13156334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2025-04-24T16:10:52.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have formally requested that <em>XXXX</em> <em>XXXX</em> <em>provide</em> evidentiary documentation substantiating its claim that I was involved in cashing the check. To date, no such evidence has been presented. \n\nMoreover, <em>XXXX</em> <em>XXXX</em>  has <em>failed</em> to comply with its obligations under federal law."]},"sort":[15.734709,"13156334"]},{"_index":"complaint-public-v1","_id":"18086088","_score":15.71829,"_source":{"product":"Credit card","complaint_what_happened":"b'Consumer: XXXX XXXX XXXX XXXXnFinancial Institution: JPMorgan Chase Bank, N.A.\\nProduct: Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX  4965\\nIssue: Improper Account Closure, Failure to Conduct Reasonable Investigation, Adverse Action\\nWithout Due ProcessXXXX XXXX XXXX  Violation\\nSummary of Complaint\\nJPMorgan Chase Bank, N.A. improperly closed my newly issued Chase Sapphire credit card citing\\npotential fraud, despite the transactions being authorized, legitimate, and business-related. Chase\\nfailed to conduct a reasonable investigation, failed to allow verification, and took adverse action without\\nproper notice, in violation of federal law.\\nTimeline of Events\\n Card was received and properly activated.\\n A legitimate subscription purchase for credit repair software was successfully processed.\\n My cell phone number was updated to reflect current contact information.\\nI called chase to inform them of the purchase prior to attempting the transaction\\n A XXXX business marketing transaction was attempted.\\n Chase immediately closed the account without contacting me for verification or authentication.\\nLegal Violations\\nFailure to Conduct Reasonable Investigation  FCRA\\nPursuant to XXXX XXXX XXXX XXXX XXXX Chase was required to conduct a reasonable\\ninvestigation before taking adverse action. No verification attempt or investigation was performed prior\\nto closure.\\nImproper Adverse Action  FCRA\\nUnder 1XXXX XXXX XXXX, Chase was required to provide meaningful adverse action notice. No\\nadequate notice or explanation was providedXXXX XXXX / ECOA Violation\\XXXX XXXX XXXX XXXX XXXX XXXX creditors must provide timely, specific written notice of\\nadverse action. Chase failed to provide a compliant adverse action notice identifying the principal\\nreasons for account closure, constituting a violation of the Equal Credit Opportunity Act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, Chase engaged in unfair and abusive acts by closing my account\\nwithout investigation, verification, or opportunity to cure.\\nHarm to Credit Profile\\nThe sudden closure of a newly issued revolving account negatively impacts utilization ratios, account\\nage, and overall creditworthiness, in violation of accuracy and fairness standards under XXXX XXXX.\\nRequested Resolution\\nI request that JPMorgan Chase Bank, N.A.XXXX. Provide written documentation of the alleged fraud determination\\XXXX. Reopen the account or issue a replacement with identical termsXXXX. Confirm no negative credit reporting has occurred\\n4. Correct any inaccurate reporting immediately\\n5. Certify compliance with FCRA, Regulation B, and UDAAP requirements\\nCertification\\nI certify under penalty of perjury that all transactions referenced were authorized and legitimate\\nbusiness expenses.'","date_sent_to_company":"2025-12-16T20:28:56.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"23453","tags":"Servicemember","has_narrative":true,"complaint_id":"18086088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-12-16T20:17:56.000Z","state":"VA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["\\nImproper <em>Adverse</em> Action  FCRA\\nUnder 1<em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, Chase was <em>required</em> to <em>provide</em> meaningful <em>adverse</em> action notice. No\\nadequate notice or explanation was provided<em>XXXX</em> <em>XXXX</em> / ECOA Violation\\<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> creditors must <em>provide</em> timely, specific written notice of\\nadverse action."]},"sort":[15.71829,"18086088"]},{"_index":"complaint-public-v1","_id":"10633616","_score":15.598529,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX persistent non-compliance with federal statutes and the XXXX XXXX XXXX XXXX XXXX XXXX Despite repeated requests, XXXX XXXX has failed to provide necessary original documentation related to my mortgage, neglected lawful redemption of the negotiable instrument, and engaged in practices suggesting securities fraud and a lack of transparency. On multiple seperate occasions i have sent via certified main and registered mail documents with requests for specific information, XX/XX/XXXX I sent XXXX Mortgage XXXX XXXX XXXX XXXX via certified mail, addressing concerns regarding the handling of the mortgages negotiable instrument. No response was provided, despite documented receipt. \n\nXX/XX/XXXXAugust 9, 2024 I requested original mortgage documents, including the promissory note with my wet signature, deed of trust, and proof of full disclosure at the time of signing. This request received no response. \n\nXX/XX/XXXXSeptember 11, 2024 A follow-up request was sent due to XXXX Mortgages XXXX. They again failed to provide the documents, indicating disregard for my lawful rights. \n\nXX/XX/XXXX I issued a formal Notice of Default to XXXX Mortgage, outlining their violations of RESPA, TILA, and XXXX provisions. This notice, along with a invoice, demanded XXXX Mortgage comply with the UCC 3-501 right to inspect the original note and identified their failure under UCC 3-104 to redeem my negotiable instruments with written instructions. XXXX XXXX failure to produce documents, address securities fraud concerns, and rectify inaccuracies on my credit report constitutes multiple violations including 15 USC 1637 and 15 USC 1666B ( a ) - Late Payment Reporting Violation XXXX Mortgage neglected to correct inaccurate late payment information on my credit report, in violation of federal law. \n\n15 USC 1681s-2 ( b ) - Failure to Investigate Disputed Credit Information As a furnisher of credit information, XXXX Mortgage failed to adequately investigate my disputes or correct erroneous entries, reflecting a disregard for accurate credit reporting obligations. \n\n15 USC 1692e - False or Misleading Representations XXXX Mortgage provided misleading and false representations concerning debt collection and credit reporting, further compounding their misrepresentation violations. \n\n12 USC 2605 - Real Estate Settlement Procedures Act ( RESPA ) Violation XXXX Mortgage failed to provide the original deed and mortgage note within the legally required timeframe, violating RESPA and hindering transparency in real estate settlements. \n\n15 USC 1681m - Failure to XXXX Notice of Adverse Action XXXX Mortgage did not issue notices of adverse actions based on credit information as required under the Fair Credit Reporting Act ( FCRA ), depriving me of my legal rights for redress. \n\n15 USC 1640 - Civil Liability under the Truth in Lending Act ( TILA ) By failing to provide full and accurate disclosures required by TILA, XXXX XXXX omissions raise concerns of incomplete and misleading disclosures, violating federal lending standards. \n\nUniform Commercial Code ( XXXX ) Article XXXX - Negotiable Instruments XXXX Mortgage has failed to uphold UCC 3-501, which entitles me to inspect the original promissory note as a negotiable instrument establishing debt enforceability. Without the original document, the debt is unenforceable under XXXX law, suggesting intentional avoidance of compliance with 3-104 requirements for negotiable instruments. \nInitiate a formal investigation into XXXX Mortgages practices regarding securities fraud, failure to provide original documents, and lack of compliance with UCC 3-501 and 3-104.\n\nXXXX XXXX Mortgage to produce the original promissory note, deed of trust, and full disclosure documentation or confirm the unenforceability of the debt in the absence of these documents. \nEnforce financial penalties and sanctions for XXXX XXXX multiple statutory violations, including RESPA, TILA, and XXXX non-compliance. \nEscalate regulatory scrutiny as needed to ensure compliance with consumer protection laws and prevent similar misconduct in the future. \nThis complaint is accompanied by certified mail receipts, all formal document requests, the Notice of Default, and an invoice documenting each federal and XXXX violation. \n\nCertified mail # XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ).","date_sent_to_company":"2024-10-30T18:02:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"45840","tags":null,"has_narrative":true,"complaint_id":"10633616","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-30T18:02:14.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["timeframe, violating RESPA and hindering transparency in real estate settlements. \n\n15 USC 1681m - Failure to <em>XXXX</em> Notice of <em>Adverse</em> Action <em>XXXX</em> Mortgage did not issue notices of <em>adverse</em> actions based on credit information as <em>required</em> under the Fair Credit <em>Reporting</em> Act ( FCRA ), depriving me of my legal rights for redress. \n\n15 USC 1640 - Civil Liability under the Truth in Lending Act ( TILA ) By failing to <em>provide</em> full and accurate disclosures <em>required</em> by TILA, <em>XXXX</em> <em>XXXX</em> omissions raise concerns"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.598529,"10633616"]},{"_index":"complaint-public-v1","_id":"13839221","_score":15.590917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Response to TransUnion CFPB Complaint XXXX Thank you for your response. However, your position and actions are in direct violation of federal law under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX regulations, specifically : XXXX. Illegal Demand for Additional Documentation Under XXXX C.F.R. XXXX ( c ), a consumer reporting agency XXXX not require any additional documentation beyond : ( i ) Proof of identity, and ( ii ) A valid XXXX XXXX victim determination document from an authorized entity ( such as XXXX recognized by the XXXX Department XXXX XXXX XXXX XXXX XXXX ). \n\nI have already submitted : A valid XXXX XXXX determination letter from XXXX XXXX XXXX and a statement from the XXXX of the facility which is a federally recognized organization under XXXX, and My proof of identity. \n\nThis satisfies the legal requirement. Your request for additional XXXX XXXX documents or for me to re-identify the adverse items is both redundant and unlawful. \n\nXXXX. Violation of the FCRA XXXX ( a ) Failure to XXXX Adverse Items The law is clear that upon receipt of the required documents, a consumer reporting agency must block the information identified by the victim as XXXX within XXXX ( XXXX ) business days. TransUnion has failed to do so and instead delayed compliance while issuing unlawful demands. \n\nXXXX. Failure to Provide a Meaningful Response or Result I was told I could access dispute results online, but I am met with an error message stating : Disputes can not be reviewed at this time. \n\nI have not received written confirmation of whether the accounts were deleted, blocked, or left unchanged. This lack of transparency violates your FCRA duty to provide a result of the dispute in writing. \n\nDEMAND FOR COMPLIANCE I request that the CFPB take formal notice that TransUnion is : Refusing to comply with XXXX XXXX. XXXX Violating XXXX C.F.R. XXXX ( c ) Delaying required action beyond the XXXX limit I respectfully ask that TransUnion immediately : Block and delete all adverse information associated with my XXXX XXXX case, including XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and written update confirming action taken Cease and desist all demands for unlawful additional documents not required by federal law Thank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-02T22:51:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90028","tags":null,"has_narrative":true,"complaint_id":"13839221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-02T22:51:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Violation of the FCRA <em>XXXX</em> ( a ) Failure to <em>XXXX</em> <em>Adverse</em> Items The law is clear that upon receipt of the <em>required</em> documents, a consumer <em>reporting</em> agency must block the information identified by the victim as <em>XXXX</em> within <em>XXXX</em> ( <em>XXXX</em> ) business days. TransUnion has <em>failed</em> to do so and instead delayed <em>compliance</em> while issuing unlawful demands. \n\n<em>XXXX</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.590917,"13839221"]},{"_index":"complaint-public-v1","_id":"11776568","_score":15.582751,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have requested a copy of the consumer report with Equifax after being denied housing and employment. I came into the knowledge that the account information being reported by Equifax prevents me from gaining access to financial products and services. I recently learned about my right to be protected from debt bondage and severe forms of XXXX I submit my written and electronic requests to Equifax for immediate consumer protections in accordance with FCRA, Section 605C. Equifax, a consumer reporting agency and its employees denied each of my requests to block adverse items in four business days. The derogatory accounts have worsened and are still being reporting in my consumer report. Equifax exceeded five business days to notify me of the denial. I am without employment and was denied housing, insurance and credit because of the adverse items reported by Equifax. I did not know when I waived my right to opt out of consent to furnish this information. Equifax has failed to provide me with equity, compliance, the required record keeping and written procedures as requested. Equifax has failed to adhere to the expectations that were intended to protect survivors of XXXX as the CFPB concludes its purpose to help survivors restore their credit to meet both immediate and long-term needs.","date_sent_to_company":"2025-01-26T21:36:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30096","tags":null,"has_narrative":true,"complaint_id":"11776568","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-26T20:32:36.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Equifax has <em>failed</em> to <em>provide</em> me with equity, <em>compliance</em>, the <em>required</em> record keeping and written procedures as requested. Equifax has <em>failed</em> to adhere to the expectations that were intended to protect survivors of <em>XXXX</em> as the CFPB concludes its purpose to help survivors restore their credit to meet both immediate and long-term needs."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"]},"sort":[15.582751,"11776568"]},{"_index":"complaint-public-v1","_id":"13839480","_score":15.562588,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Response to TransUnion CFPB Complaint XXXX Thank you for your response. However, your position and actions are in direct violation of federal law under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX regulations, specifically : XXXX. Illegal Demand for Additional Documentation Under XXXX C.F.R. XXXX ( c ), a consumer reporting agency XXXX not require any additional documentation beyond : ( i ) Proof of identity, and ( ii ) A valid XXXX XXXX victim determination document from an authorized entity ( such as XXXX recognized by the XXXX Department XXXX XXXX XXXX XXXX XXXX ). \n\nI have already submitted : A valid XXXX XXXX determination letter from XXXX XXXX XXXX and a statement from the XXXX of the facility which is a federally recognized organization under XXXX, and My proof of identity. \n\nThis satisfies the legal requirement. Your request for additional XXXX XXXX documents or for me to re-identify the adverse items is both redundant and unlawful. \n\nXXXX. Violation of the FCRA XXXX ( a ) Failure to XXXX Adverse Items The law is clear that upon receipt of the required documents, a consumer reporting agency must block the information identified by the victim as XXXX within XXXX ( XXXX ) business days. 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