{"took":1191,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1782,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3390231","_score":19.660023,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX XX/XX/2019 Navient/Department of Education To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with Navient /Department of Education . I am writing to request an investigation with the BarrowDefense Department.\n\nI feel they are taking to long to review and make proper decisions.","date_sent_to_company":"2019-09-29T10:04:00.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"3390231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-09-29T09:37:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX XX/XX/2019 Navient/Department of Education To <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to challenge the reporting and <em>compliance</em> on an <em>account</em> with Navient /Department of Education . I am <em>writing</em> to request an investigation with the BarrowDefense Department.\n\nI feel they are taking to long to <em>review</em> and make proper decisions."]},"sort":[19.660023,"3390231"]},{"_index":"complaint-public-v1","_id":"17045818","_score":18.060368,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute the following items on my credit report. I have been the victim of several data breaches, which have resulted in the exposure of my personal information to the public. As a result, I respectfully request that these items be reviewed and corrected to ensure they are accurately reflected on my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. \n\nEquifax XXXXo whom it may concern, I am writing to dispute the following items on my credit report. As a victim of multiple data breaches, my personal information has been exposed. I respectfully request that the following items be reviewed and corrected in compliance with the Fair Credit Reporting Act. If the items can not be verified, I ask that they be removed. \n\nCHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1000.00} XXXX XXXX XXXX XXXX  Account Number : XXXX","date_sent_to_company":"2025-11-05T15:43:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"935XX","tags":null,"has_narrative":true,"complaint_id":"17045818","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-05T15:34:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Equifax XXXXo <em>whom</em> it may <em>concern</em>, I am <em>writing</em> to dispute the following items on my credit report. As a victim of multiple data breaches, my personal information has been exposed. I respectfully request that the following items be <em>reviewed</em> and corrected in <em>compliance</em> with the Fair Credit Reporting Act. If the items can not be verified, I ask that they be removed. \n\nCHARGED OFF XXXX <em>Account</em> Number : XXXX Date Opened : XX/XX/year> Balance : {$1000.00} XXXX XXXX XXXX XXXX  <em>Account</em> Number : XXXX"]},"sort":[18.060368,"17045818"]},{"_index":"complaint-public-v1","_id":"7705840","_score":17.157204,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, I am writing to express my dissatisfaction and concern regarding the unexpected suspension of my account with HSBC USA on XX/XX/2023. I was not provided with any specific reason for this action, and to the best of my knowledge, I have not engaged in any activities that violate the bank 's policies or terms of service. \n\nThe error code provided to me is XXXX. Without any clarity on this code or the reason behind the suspension, I am left in the dark and deeply concerned about the status of my account and the funds within it. I kindly request an immediate review of this matter and a detailed explanation of the reasons behind the suspension. \n\nI understand the importance of security and compliance, but I believe that transparency and communication are equally essential. I hope to have this issue resolved promptly and expect the bank to rectify the situation without further delay. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2023-10-16T16:11:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"7705840","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2023-10-16T15:49:51.000Z","state":null,"company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to express my dissatisfaction and <em>concern</em> regarding the unexpected suspension of my <em>account</em> with HSBC USA on XX/XX/2023. I was not provided with any specific reason for this action, and to the best of my knowledge, I have not engaged in any activities that violate the bank 's policies or terms of service. \n\nThe error code provided to me is XXXX."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Problem accessing <em>account</em>"]},"sort":[17.157204,"7705840"]},{"_index":"complaint-public-v1","_id":"5635477","_score":17.068657,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX XXXX that is being reported on my credit report with incorrect/ missing info. On XX/XX/XXXX, after reviewing my consumer account, I noticed numerous errors that show Experian is not reporting with 100 % accurate information as required by the Fair Credit Reporting Act. \n\nSpecifically, I am referencing that Experian is reporting an inaccurate account number with XXXX numbers and ends with XXXX XXXX. Along with still reporting late payments after the account was closed in XX/XX/XXXX. Experian has also reported inaccurate dates of the last activity. \n\nExperian 's improper procedures are highly damaging to my credit score. Please immediately delete this item.","date_sent_to_company":"2022-06-06T01:27:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91710","tags":null,"has_narrative":true,"complaint_id":"5635477","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-06T00:44:47.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to challenge the reporting and <em>compliance</em> on an <em>account</em> with XXXX XXXX XXXX that is being reported on my credit report with incorrect/ missing info. On XX/XX/XXXX, after <em>reviewing</em> my consumer <em>account</em>, I noticed numerous errors that show Experian is not reporting with 100 % accurate information as required by the Fair Credit Reporting Act."]},"sort":[17.068657,"5635477"]},{"_index":"complaint-public-v1","_id":"17314881","_score":16.94242,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute REQUEST FOR REINVESTIGATION and Metro 2 Compliance Review Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the late payment reported for the above-referenced Capital One account on my credit file. This derogatory mark appears on my reports with one or more credit reporting agencies and is dated XX/XX/XXXX. \nAs per my rights under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting a complete reinvestigation of this item and demand verification under Metro 2 data reporting standards. I believe the reported late payment is either inaccurate, unverified, or not in compliance with credit reporting requirements. \nAccount Details : Creditor : CAPITAL ONE Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$820.00} Disputed Item : 30-day late payment XX/XX/XXXX XXXX","date_sent_to_company":"2025-11-17T23:28:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"02135","tags":null,"has_narrative":true,"complaint_id":"17314881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-17T23:20:32.000Z","state":"MA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Formal Dispute REQUEST FOR REINVESTIGATION and Metro 2 <em>Compliance</em> <em>Review</em> <em>Account</em> Number : XXXX To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to formally dispute the accuracy of the late payment reported for the above-referenced Capital One <em>account</em> on my credit file. This derogatory mark appears on my reports with one or more credit reporting agencies and is dated XX/XX/XXXX."]},"sort":[16.94242,"17314881"]},{"_index":"complaint-public-v1","_id":"17287785","_score":16.593502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute REQUEST FOR REINVESTIGATION and Metro 2 Compliance Review Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the late payment reported for the above-referenced BARCLAYS BANK DELAWARE account on my credit file. This derogatory mark appears on my reports with XXXX or more credit reporting agencies and is dated XX/XX/XXXX. \nAs per my rights under the Fair Credit Reporting Act ( FCRA ) XXXX, I am requesting a complete reinvestigation of this item and demand verification under Metro 2 data reporting standards. I believe the reported late payment is either inaccurate, unverified, or not in compliance with credit reporting requirements. \nAccount Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2500.00} Disputed Item : Reported XXXX late in XX/XX/XXXX XXXX","date_sent_to_company":"2025-11-17T23:40:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"02135","tags":null,"has_narrative":true,"complaint_id":"17287785","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-11-17T23:32:14.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Formal Dispute REQUEST FOR REINVESTIGATION and Metro 2 <em>Compliance</em> <em>Review</em> <em>Account</em> Number : XXXX To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to formally dispute the accuracy of the late payment reported for the above-referenced BARCLAYS BANK DELAWARE <em>account</em> on my credit file. This derogatory mark appears on my reports with XXXX or more credit reporting agencies and is dated XX/XX/XXXX."]},"sort":[16.593502,"17287785"]},{"_index":"complaint-public-v1","_id":"14268113","_score":16.01102,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XX/XX/year> Dear To Whom It May Concern I am writing to formally dispute the civil liability claim against me related to an alleged debt. This correspondence serves to address the claim under California Civil Code 16810, which pertains to civil liability for negligent noncompliance. \n\nUpon reviewing the circumstances surrounding this claim, I believe that your organization has not adhered to the necessary compliance standards as mandated by applicable laws and regulations. \n\nAs per Civil Code 16810, I understand that an entity can be held liable for negligent noncompliance, and I believe that the circumstances surrounding this situation warrant a thorough investigation. \n\nAccount Name Overlnd Bond / OVERLAND BOND Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX I kindly ask for a prompt review of this matter, and I expect a response within 15 days to ensure that we can resolve this dispute amicably. \n\n\n\nThank you for your attention to this important matter. I look forward to your timely response. \n\n\n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-24T18:26:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60115","tags":null,"has_narrative":true,"complaint_id":"14268113","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Overland Bond & Investment Corporation","date_received":"2025-06-24T17:16:40.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XX/XX/year> Dear To <em>Whom</em> It May <em>Concern</em> I am <em>writing</em> to formally dispute the civil liability claim against me related to an alleged debt. This correspondence serves to address the claim under California Civil Code 16810, which pertains to civil liability for negligent noncompliance."]},"sort":[16.01102,"14268113"]},{"_index":"complaint-public-v1","_id":"14268408","_score":16.005703,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XX/XX/year> Dear To Whom It May Concern I am writing to formally dispute the civil liability claim against me related to an alleged debt. This correspondence serves to address the claim under California Civil Code 16810, which pertains to civil liability for negligent noncompliance. \n\nUpon reviewing the circumstances surrounding this claim, I believe that your organization has not adhered to the necessary compliance standards as mandated by applicable laws and regulations. \n\nAs per Civil Code 16810, I understand that an entity can be held liable for negligent noncompliance, and I believe that the circumstances surrounding this situation warrant a thorough investigation. \n\nAccount Name Overlnd Bond / XXXX XXXX Account Number XXXX Account Name AMSHERCOLLECTIONSERVICES/ AMERSER CCOLLECTON SE Account Number XXXX I kindly ask for a prompt review of this matter, and I expect a response within 15 days to ensure that we can resolve this dispute amicably. \n\n\n\nThank you for your attention to this important matter. I look forward to your timely response. \n\n\n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-04T15:30:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60115","tags":null,"has_narrative":true,"complaint_id":"14268408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Amsher Collection Services, Inc.","date_received":"2025-06-24T18:26:19.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XX/XX/year> Dear To <em>Whom</em> It May <em>Concern</em> I am <em>writing</em> to formally dispute the civil liability claim against me related to an alleged debt. This correspondence serves to address the claim under California Civil Code 16810, which pertains to civil liability for negligent noncompliance."]},"sort":[16.005703,"14268408"]},{"_index":"complaint-public-v1","_id":"13587236","_score":15.806298,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Deletion of Inaccurate Account Information Under XXXX XXXX Compliance To : Whom it may concern I am writing to formally dispute the reporting of the following account under XXXX XXXX compliance standards. The information provided by Transunion & Experian is inaccurate fails to meet XXXX XXXX guidelines and accuracy requirements, and as such, I am demanding immediate removal of the account from my credit report. \n\nThe disputed account details are as follows : Creditor : XXXX  XXXX  id # XXXX Never late and paid in full before the loan de date and Affirm receipts are attached Under XXXX XXXX XXXX, credit reporting agencies must ensure that all data furnished is accurate, complete, and compliant with industry standards. I have identified discrepancies and compliance violations within the reporting of this account, which make it eligible for immediate deletion. \n\nI demand that Experian & Transunion Conduct a XXXX XXXX compliance review of this account. Remove the account entirely due to its failure to meet the required accuracy and reporting standards. Provide written confirmation of the deletion within 30 days, as required under the Fair Credit Reporting Act ( FCRA ). \n\nIf this request is not honored, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue further legal remedies as necessary. \n\nI expect prompt action on this matter and a full resolution within the legally required time by law","date_sent_to_company":"2025-05-20T00:35:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"13587236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-20T00:14:27.000Z","state":"PA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Demand for Deletion of Inaccurate <em>Account</em> Information Under XXXX XXXX <em>Compliance</em> To : <em>Whom</em> it may <em>concern</em> I am <em>writing</em> to formally dispute the reporting of the following <em>account</em> under XXXX XXXX <em>compliance</em> standards. The information provided by Transunion & Experian is inaccurate fails to meet XXXX XXXX guidelines and accuracy requirements, and as such, I am demanding immediate removal of the <em>account</em> from my credit report."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[15.806298,"13587236"]},{"_index":"complaint-public-v1","_id":"13596806","_score":15.803627,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Deletion of Inaccurate Account Information Under XXXX XXXX Compliance To : Whom it may concern I am writing to formally dispute the reporting of the following account under XXXX XXXX compliance standards. The information provided by Transunion & Experian is inaccurate fails to meet XXXX XXXX guidelines and accuracy requirements, and as such, I am demanding immediate removal of the account from my credit report. \n\nThe disputed account details are as follows : Creditor : XXXX  XXXX  id # XXXX Never late and paid in full before the loan de date and Affirm receipts are attached Under XXXX XXXX XXXX, credit reporting agencies must ensure that all data furnished is accurate, complete, and compliant with industry standards. I have identified discrepancies and compliance violations within the reporting of this account, which make it eligible for immediate deletion. \n\nI demand that Experian & Transunion Conduct a XXXX XXXX compliance review of this account. Remove the account entirely due to its failure to meet the required accuracy and reporting standards. Provide written confirmation of the deletion within 30 days, as required under the Fair Credit Reporting Act ( FCRA ). \n\nIf this request is not honored, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue further legal remedies as necessary. \n\nI expect prompt action on this matter and a full resolution within the legally required time by law","date_sent_to_company":"2025-05-20T00:35:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"13596806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-20T00:35:25.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Demand for Deletion of Inaccurate <em>Account</em> Information Under XXXX XXXX <em>Compliance</em> To : <em>Whom</em> it may <em>concern</em> I am <em>writing</em> to formally dispute the reporting of the following <em>account</em> under XXXX XXXX <em>compliance</em> standards. The information provided by Transunion & Experian is inaccurate fails to meet XXXX XXXX guidelines and accuracy requirements, and as such, I am demanding immediate removal of the <em>account</em> from my credit report."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[15.803627,"13596806"]},{"_index":"complaint-public-v1","_id":"12436670","_score":15.621703,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute inaccurate and/or unverifiable information that is currently being reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 guidelines set forth by the Consumer Data Industry Association ( CDIA ). \n\nThe following account ( s ) contain inaccurate or unverifiable information and require a thorough compliance review under Metro 2 standards : Creditor Name : XXXX XXXX  Disputed Item : late payment and inaccuracy According to Metro 2 guidelines, data furnishers must ensure that all reporting is accurate, complete, timely, and compliant with the reporting format required by the credit bureaus. I request that you : Conduct a Metro 2 compliance verification audit on the reported item ( XXXX ). \nProvide documentation proving that the data was reported in full compliance with Metro 2 standards. \nDelete or correct the inaccurate or unverifiable information if it does not meet compliance requirements. \nUnder the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to complete your investigation within 30 days. If the disputed information can not be verified in full compliance with Metro 2 standards, it must be deleted from my credit file. \n\nPlease send me a written response confirming your findings and any actions taken regarding this dispute.","date_sent_to_company":"2025-03-13T01:44:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60605","tags":null,"has_narrative":true,"complaint_id":"12436670","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-13T01:36:18.000Z","state":"IL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to formally dispute inaccurate and/or unverifiable information that is currently being reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 guidelines set forth by the Consumer Data Industry Association ( CDIA )."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[15.621703,"12436670"]},{"_index":"complaint-public-v1","_id":"19584899","_score":15.522666,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Formal Rebuttal Case ID XXXX / Complaint XXXX To Whom It May Concern, This letter serves as a formal rebuttal to Robinhoods response regarding the remaining {$3800.00} in my account. \n\nThe funds in question were part of my total account balance of {$14000.00} derived from stock and cryptocurrency positions. Robinhood previously released approximately {$10000.00} to my verified bank account via ACH withdrawal, confirming successful identity verification and compliance review. \n\nAfter I notified Robinhood that funds were missing, I was informed that if any internal error existed, the funds would be returned to my account. Subsequently, {$3800.00} was re-credited to my Robinhood account. I then received written confirmation via email stating that I could withdraw those funds. \n\nHowever, despite this written confirmation, my account remained restricted, preventing withdrawal. Robinhood now claims it is unable to verify the legitimacy of the same {$3800.00} that was previously re-credited and confirmed withdrawable in writing. \n\nRobinhood has not identified : Any fraudulent transaction Any chargeback Any ACH reversal Any defective securities trade Any compliance violation tied to a specific transaction If the funds were valid enough to : 1. Be re-credited after internal review, and 2. Be confirmed withdrawable in writing, then Robinhood must provide documented justification explaining why those same funds are now deemed unverifiable. \n\nAbsent specific transaction-level evidence, continued withholding of these funds constitutes improper retention of customer brokerage assets. \n\nI am formally requesting immediate release of the {$3800.00} or detailed documentation identifying the precise legal and transactional basis for withholding these funds. \n\nRespectfully, XXXX XXXX","date_sent_to_company":"2026-02-18T12:28:44.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"60637","tags":null,"has_narrative":true,"complaint_id":"19584899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2026-02-18T12:06:53.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Subject : Formal Rebuttal Case ID XXXX / Complaint XXXX To <em>Whom</em> It May <em>Concern</em>, This letter serves as a formal rebuttal to Robinhoods response regarding the remaining {$3800.00} in my <em>account</em>. \n\nThe funds in question were part of my total <em>account</em> balance of {$14000.00} derived from stock and cryptocurrency positions. Robinhood previously released approximately {$10000.00} to my verified bank <em>account</em> via ACH withdrawal, confirming successful identity verification and <em>compliance</em> <em>review</em>."]},"sort":[15.522666,"19584899"]},{"_index":"complaint-public-v1","_id":"14012625","_score":15.482087,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, I am writing to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please review my credit report in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. If there are any claims that have not been proven to be correct, I request that they be removed.\n\nI understand that according to federal and state law, it is important to report any allegations accurately and completely.\n\nTherefore, I can not accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations as they are unsubstantiated.\n\nI kindly request that you ensure all claims on my report are factual and reported correctly, as required by the Metro 2 reporting standard. If you could provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose, that would be greatly appreciated. \nI am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If there are any inaccuracies or non-compliances, I kindly request that they be removed from my credit report. \nLastly, I authorize you to mail me physical documentation of your actions and my updated credit report. I appreciate your cooperation in this matter.","date_sent_to_company":"2025-06-11T07:22:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78259","tags":null,"has_narrative":true,"complaint_id":"14012625","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-11T07:22:17.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To <em>whom</em> it may <em>concern</em>, I am <em>writing</em> to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please <em>review</em> my credit report in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. If there are any claims that have not been proven to be correct, I request that they be removed.\n\nI understand that according to federal and state law, it is important to report any allegations accurately and completely."]},"sort":[15.482087,"14012625"]},{"_index":"complaint-public-v1","_id":"14029294","_score":15.4716835,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, I am writing to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please review my credit report in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. If there are any claims that have not been proven to be correct, I request that they be removed.\n\nI understand that according to federal and state law, it is important to report any allegations accurately and completely.\n\nTherefore, I can not accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations as they are unsubstantiated.\n\nI kindly request that you ensure all claims on my report are factual and reported correctly, as required by the Metro 2 reporting standard. If you could provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose, that would be greatly appreciated. \nI am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If there are any inaccuracies or non-compliances, I kindly request that they be removed from my credit report. \nLastly, I authorize you to mail me physical documentation of your actions and my updated credit report. I appreciate your cooperation in this matter.","date_sent_to_company":"2025-06-11T07:22:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78259","tags":null,"has_narrative":true,"complaint_id":"14029294","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-11T07:16:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To <em>whom</em> it may <em>concern</em>, I am <em>writing</em> to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please <em>review</em> my credit report in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. If there are any claims that have not been proven to be correct, I request that they be removed.\n\nI understand that according to federal and state law, it is important to report any allegations accurately and completely."]},"sort":[15.4716835,"14029294"]},{"_index":"complaint-public-v1","_id":"13050724","_score":15.38539,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Account Reporting ( CBNA ) FCRA Compliance To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my credit report regarding an account from CBNA, which was closed on XX/XX/XXXX. \n\nAs of my most recent credit report, the following concerns have been identified : The account shows a reported balance of {$2200.00} as of XX/XX/XXXX, which is after the account was closed. This raises concerns about continued balance growth post-closure. \nThe payment history continues into XXXX, despite the account being marked as closed XXXX. \nI have only made 39 % of payments on time, which may not accurately reflect my history, especially after closure. I request a review of any missed payments recorded after closure to ensure accuracy. \n\nUnder the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c, I am requesting a full reinvestigation into this account. If the information can not be verified or is inaccurately reported, I respectfully ask that it be corrected or removed entirely from my credit report. \n\nPlease provide me with written confirmation of the results of your investigation within the 30-day period as required by federal law. \n\nAttached are my identification documents and supporting screenshots for your reference. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-17T23:47:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"372XX","tags":null,"has_narrative":true,"complaint_id":"13050724","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-04-17T23:41:33.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate <em>Account</em> Reporting ( CBNA ) FCRA <em>Compliance</em> To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to formally dispute the accuracy of the information being reported on my credit report regarding an <em>account</em> from CBNA, which was closed on XX/XX/XXXX."]},"sort":[15.38539,"13050724"]},{"_index":"complaint-public-v1","_id":"17870737","_score":15.220169,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"To Whom It XXXX Concern : I am writing to formally dispute the Capital One Auto Finance account that is currently appearing on my XXXX credit report. The information being reported is negative, inaccurate, and causing harm to my credit profile. \n\nUnder the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to provide data that is accurate, complete, and fully verifiable. At this time, the information reported to XXXX does not meet those standards. \n\nI am requesting that Capital One Auto Finance : Conduct a full investigation of the reported information ; Verify the accuracy of all negative items being reported ; Correct or delete any information that is inaccurate, incomplete, outdated, or unverifiable ; Provide written confirmation of the results of your investigation. \n\nThis inaccurate reporting has negatively affected my creditworthiness, and I request immediate action to review and resolve the issue in compliance with the FCRA. \n\nThank you for your prompt attention. I look forward to receiving written confirmation once your investigation has been completed.","date_sent_to_company":"2025-12-09T14:09:26.000Z","issue":"Incorrect information on your report","sub_product":"Lease","zip_code":"350XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17870737","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-23T19:34:58.000Z","state":"AL","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It XXXX <em>Concern</em> : I am <em>writing</em> to formally dispute the Capital One Auto Finance <em>account</em> that is currently appearing on my XXXX credit report. The information being reported is negative, inaccurate, and causing harm to my credit profile. \n\nUnder the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to provide data that is accurate, complete, and fully verifiable. At this time, the information reported to XXXX does not meet those standards."]},"sort":[15.220169,"17870737"]},{"_index":"complaint-public-v1","_id":"7811546","_score":14.988521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Removal of Inaccurate Information and Remedies for Damages Pertaining to XXXX XXXX Account # XXXX To Whom It XXXX Concern, I am writing this letter to address a matter of significant concern regarding the continual reporting of inaccurate, unverified, and incomplete account information on my Equifax credit report. This correspondence specifically relates to the account named XXXX XXXX, with the account number ending in XXXX. \n\nDespite my recent dispute initiated on XX/XX/XXXX, I am dismayed to find that the aforementioned account is now appearing on my report without an indication of it being disputed. Furthermore, upon careful review of my most recent credit report, it is evident that Equifax continues to negligently furnish inaccurate and incomplete information about this account. \n\nHerein are the specific discrepancies that I have identified : 1. Date of First Delinquency : It is inaccurately listed as XX/XX/XXXX, which is inconsistent with the payment history that depicts pays as agreed as of XX/XX/XXXX. This contradiction is misleading and reflects negatively on my creditworthiness.\n\n2. Date of Last Activity : This critical piece of information is conspicuously missing ( No Data ), thereby rendering the account information incomplete and not reflective of the true status of the account. \n\nThis continued negligence and non-compliance with the mandates of the Fair Credit Reporting Act ( FCRA ) are distressing and unlawful. Specifically, these actions are in direct violation of 15 U.S.C. 1681i, which requires prompt investigation and correction or deletion of any inaccurate or unverified information.\n\nAdditionally, the persistent reporting of this inaccurate and incomplete account by Equifax constitutes negligent non-compliance pursuant to FCRA Section 617 and infringes upon my consumer rights as governed by the FCRA.","date_sent_to_company":"2023-11-06T23:52:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30141","tags":null,"has_narrative":true,"complaint_id":"7811546","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-06T23:49:33.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Removal of Inaccurate Information and Remedies for Damages Pertaining to XXXX XXXX <em>Account</em> # XXXX To <em>Whom</em> It XXXX <em>Concern</em>, I am <em>writing</em> this letter to address a matter of significant <em>concern</em> regarding the continual reporting of inaccurate, unverified, and incomplete <em>account</em> information on my Equifax credit report."]},"sort":[14.988521,"7811546"]},{"_index":"complaint-public-v1","_id":"21696946","_score":14.983691,"_source":{"product":"Mortgage","complaint_what_happened":"To Whom It May Concern, I am writing to formally escalate this matter and request immediate intervention regarding my mortgage servicing account with LoanCare , LLC. \n\nThis account is currently under active review through multiple channels, including : - Consumer Financial Protection Bureau ( Complaint ID : XXXX ) - Connecticut Department of Banking XXXX XXXX XXXX ) - HUD National Servicing Center XXXX XXXX XXXX XXXX Despite these active reviews and my full participation in a loss mitigation trial payment plan, LoanCare has proceeded with foreclosure-related activity on my property. \n\n-- - URGENT CONCERN : ACTIVE FORECLOSURE WHILE UNDER REVIEW A Motion for Default for Failure to Appear has been filed and granted in the foreclosure case. \n\nThis is occurring : - After I completed all required trial payments- While I have been actively communicating with the servicer- While multiple regulatory complaints and escalations are pending This situation is causing immediate harm and requires urgent review. \n\n-- - GOOD FAITH PARTICIPATION I entered into a Trial Payment Plan with LoanCare and made all required payments within the timeframe provided. \n\nThroughout this process, I made repeated efforts to : - Communicate with LoanCare representatives- Obtain clarity on next steps - Ensure compliance with all requirements At no point was I clearly informed that my account was at risk of foreclosure progression while I was actively participating in the plan. \n\n-- - ACCESS AND COMMUNICATION ISSUES LoanCare has stated that certain documentation was required to complete the process. \n\nHowever : - I repeatedly communicated that I did not receive required documents - I was directed to complete items through the online portal - My access to that portal was restricted or removed, preventing me from completing any required actions This raises serious concerns about whether I was given a fair and reasonable opportunity to comply. \n\n-- - ONGOING HARM As a result of the continued foreclosure activity : - My home remains at risk despite my compliance efforts- The foreclosure case is publicly visible, leading to repeated unwanted contact from third parties - My family, including my children, is experiencing emotional distress and instability -- - REQUEST FOR IMMEDIATE ACTION Given the urgency of this situation, I respectfully request : XXXX. Immediate review of my account and foreclosure status 2. Confirmation that foreclosure activity will be paused while this matter is under investigation 3. Verification of all communications and documentation provided to me 4. Review of my trial payment compliance and account handling XXXX. Direct communication regarding next steps to prevent further harm -- - PRESERVATION OF RIGHTS I am actively seeking legal counsel and reserve all rights to pursue further action as necessary. \n\n-- - This matter is time-sensitive, and I respectfully request expedited attention. \n\nSincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CT Loan ending in : XXXX","date_sent_to_company":"2026-04-29T05:43:00.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"065XX","tags":null,"has_narrative":true,"complaint_id":"21696946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2026-04-29T05:33:08.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to formally escalate this matter and request immediate intervention regarding my mortgage servicing <em>account</em> with LoanCare , LLC."]},"sort":[14.983691,"21696946"]},{"_index":"complaint-public-v1","_id":"13166856","_score":14.912998,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] RE : Request for Update of Charged-Off Account in Compliance with FCRA Section 623 and Metro 2 Guidelines To Whom It May Concern, I am writing in regard to the above-referenced account, which was charged off and is currently being reported on my credit report. I request that your organization review this account for compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( 15 U.S.C. 1681s-2 ), and update the reporting in accordance with Metro 2 guidelines.\n\nAs per FCRA 623 ( a ) ( 2 ), data furnishers are required to report accurate and complete information to the credit reporting agencies. In reviewing my credit file, I have identified potential inaccuracies or outdated information regarding this account that may not accurately reflect its current status. I respectfully request that the account be updated to reflect the following, as applicable : - Indicate the\naccount as Charged-Off with a XXXX balance, if sold or transferred - Include notation such as Paid in Full, Settled for Less than Full Balance, or Account Closed, as appropriate - Correct any past-due balances or payment history inaccuracies Please provide written confirmation once the account has been updated with the appropriate Metro 2 status codes to ensure compliance with industry reporting standards.\n\nIf this request is denied, please send a written explanation, including the basis for your decision and supporting documentation. If the account was sold, kindly provide the name and contact details of the current owner of the debt.\n\nThank you for your attention to this matter.\n\nSincerely,","date_sent_to_company":"2025-04-24T21:31:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"606XX","tags":null,"has_narrative":true,"complaint_id":"13166856","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-24T21:23:56.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] RE : Request for Update of Charged-Off <em>Account</em> in <em>Compliance</em> with FCRA Section 623 and Metro 2 Guidelines To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> in regard to the above-referenced <em>account</em>, which was charged off and is currently being reported on my credit report."]},"sort":[14.912998,"13166856"]},{"_index":"complaint-public-v1","_id":"13167565","_score":14.909876,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX Il, XXXX ] [ XXXX/XXXX/2925 ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX, SD XXXX ] RE : Request for Update of Charged-Off Account in Compliance with FCRA Section 623 and Metro 2 Guidelines To Whom It May Concern, I am writing in regard to the above-referenced account, which was charged off and is currently being reported on my credit report. I request that your organization review this account for compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( 15 U.S.C. 1681s-2 ), and update the reporting in accordance with Metro 2 guidelines. As per FCRA 623 ( a ) ( 2 ), data furnishers are required to report accurate and complete information to the credit reporting agencies. In reviewing my credit file, I have identified potential inaccuracies or outdated information regarding this account that may not accurately reflect its current status. I respectfully request that the account be updated to reflect the following, as applicable : - Indicate the account as Charged-Off with a zero balance, if sold or transferred - Include notation such as Paid in Full, Settled for Less than Full Balance, or Account Closed, as appropriate - Correct any past-due balances or payment history inaccuracies Please provide written confirmation once the account has been updated with the appropriate Metro 2 status codes to ensure compliance with industry reporting standards. If this request is denied, please send a written explanation, including the basis for your decision and supporting documentation. If the account was sold, kindly provide the name and contact details of the current owner of the debt. Thank you for your attention to this matter. Sincerely,","date_sent_to_company":"2025-04-24T21:37:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"606XX","tags":null,"has_narrative":true,"complaint_id":"13167565","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-24T21:32:03.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX Il, XXXX ] [ XXXX/XXXX/2925 ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX, SD XXXX ] RE : Request for Update of Charged-Off <em>Account</em> in <em>Compliance</em> with FCRA Section 623 and Metro 2 Guidelines To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> in regard to the above-referenced <em>account</em>, which was charged off and is currently being reported on my credit report."]},"sort":[14.909876,"13167565"]},{"_index":"complaint-public-v1","_id":"13427578","_score":14.715947,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern, I am writing to formally submit a complaint against American Express regarding repeated violations of the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 3901-4043 ) tied to my account : [ Insert Account Number ]. \nI am currently an active-duty servicemember in the United States Air Force . I have contacted American Express on no less than six documented occasions over the past several months requesting that my account be reviewed and adjusted in accordance with SCRA protections. These calls specifcally referenced the interest rate reduction to 6 % on pre-service debt, and I provided appropriate documentation of my active-duty status. \nDespite my persistent efforts, American Express has failed to take corrective action. \nYour representatives have repeatedly acknowledged my requests, promised follow-up, and yet no resolution has occurred, nor has any written response or confirmation of SCRA compliance been provided. \nThis lack of action constitutes negligence and a clear violation of the SCRA, a federal law designed to protect those currently serving our country. I am formally requesting the following : 1. Immediate retroactive application of the 6 % interest rate cap on all eligible balances as of my active duty start date.\n\n2.A full refund of any excess interest or fees charged beyond this legal limit.\n\n3.Written confirmation of compliance with my SCRA protections","date_sent_to_company":"2025-05-09T14:12:28.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"080XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13427578","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-05-09T13:48:48.000Z","state":"NJ","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to formally submit a complaint against American Express regarding repeated violations of the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 3901-4043 ) tied to my <em>account</em> : [ Insert <em>Account</em> Number ]. \nI am currently an active-duty servicemember in the United States Air Force ."]},"sort":[14.715947,"13427578"]},{"_index":"complaint-public-v1","_id":"6468593","_score":14.552115,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXXXXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. \n\nBest Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights","date_sent_to_company":"2023-01-21T19:31:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19713","tags":null,"has_narrative":true,"complaint_id":"6468593","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-21T19:31:01.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To <em>whom</em> this may <em>concern</em>, I am <em>writing</em> this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating."]},"sort":[14.552115,"6468593"]},{"_index":"complaint-public-v1","_id":"6468652","_score":14.546388,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. \n\nBest Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights","date_sent_to_company":"2023-01-21T19:30:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19713","tags":null,"has_narrative":true,"complaint_id":"6468652","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-21T19:17:32.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To <em>whom</em> this may <em>concern</em>, I am <em>writing</em> this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After <em>reviewing</em> my credit reports I noticed that you are alleging that the following <em>accounts</em> are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX."]},"sort":[14.546388,"6468652"]},{"_index":"complaint-public-v1","_id":"6468592","_score":14.546388,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. \n\nBest Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights","date_sent_to_company":"2023-01-21T19:31:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19713","tags":null,"has_narrative":true,"complaint_id":"6468592","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-21T19:31:01.000Z","state":"DE","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To <em>whom</em> this may <em>concern</em>, I am <em>writing</em> this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After <em>reviewing</em> my credit reports I noticed that you are alleging that the following <em>accounts</em> are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX."]},"sort":[14.546388,"6468592"]},{"_index":"complaint-public-v1","_id":"12860052","_score":14.430682,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/scrub>XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Correction Request Misclassification of Dispute as Duplicate by Discover To Whom It May Concern, I am writing to inform you that my recent complaint against Discover Bank regarding a disputed credit card account has been incorrectly marked as a duplicate. This classification appears to have been made based on Discover 's internal response, not on any official CFPB determination or investigation. \n\nI wish to clarify that this is a separate and distinct dispute that includes new arguments and evidentiary requests which have not been addressed in any prior filings. Discover has cited prior communication as a basis to disregard my new concerns without conducting a reinvestigation, as required under the Fair Credit Reporting Act ( FCRA ). \n\nSpecifically, Discover has failed to provide documentation proving my contractual agreement to the account or a valid investigation report on the accuracy of its credit reporting. Despite these unresolved matters, Discover appears to be attempting to suppress regulatory oversight by unilaterally declaring the case a duplicate. \n\nAs a result, I respectfully request that my most recent submission be reviewed independently and not treated as a duplicate. I am also requesting a formal investigation into Discovers compliance with FCRA and its internal dispute handling practices. \n\nPlease confirm receipt of this letter and let me know if additional documentation is required to proceed with a full review. \n\nThank you for your continued commitment to consumer protection. \n\nSincerely, XXXX XXXX Enclosure : Copy of the previously submitted complaint that was incorrectly marked as a duplicate","date_sent_to_company":"2025-04-07T19:51:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30019","tags":null,"has_narrative":true,"complaint_id":"12860052","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-04-07T19:44:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/scrub>XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Correction Request Misclassification of Dispute as Duplicate by Discover To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to inform you that my recent complaint against Discover Bank regarding a disputed credit card <em>account</em> has been incorrectly marked as a duplicate."]},"sort":[14.430682,"12860052"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1782,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1782}]}},"product":{"doc_count":1782,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1334,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1323},{"key":"Other personal consumer 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