{"took":194,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":599,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8487960","_score":21.749811,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally lodge a complaint against Equifax for their repeated failure to conduct a reasonable investigation into inaccuracies on my credit report. Given that I had just turned XXXX in XXXX, the same year as the Equifax data breach, I was not fully aware of credit reports and the importance of monitoring them frequently to ensure accuracy, I had just XXXX XXXX XXXX, I dont have any lines of credit, I was still a dependent of my mom and dad. Despite multiple disputes, Equifax has consistently provided vague statements and failed to furnish evidence of their investigations, abusing the dispute process and allowing inaccurate and disputed accounts to persist on my credit report. \n\nSpecific Issues : 1. Equifaxs refusal to provide detailed evidence and results of the investigation after multiple disputes. \nXXXX. Requesting me to fill out a form for investigation results, contrary to the Fair Credit Reporting Act ( FCRA ) which mandates the provision of investigation results without consumer requests. \nXXXX. Contradictory information from Equifax representatives stating that they do not conduct investigations but rely on furnishers, a practice not in compliance with the FCRA. \nXXXX. As a victim of identity theft and the Equifax data breach in XXXX, my credit report has been marred by false information, causing substantial harm to my reputation and credit access.","date_sent_to_company":"2024-03-06T14:03:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20772","tags":null,"has_narrative":true,"complaint_id":"8487960","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-06T13:55:27.000Z","state":"MD","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Despite <em>multiple</em> <em>disputes</em>, Equifax has consistently provided vague statements and failed to furnish <em>evidence</em> of their <em>investigations</em>, abusing the <em>dispute</em> process and allowing inaccurate and <em>disputed</em> accounts to persist on my credit report. \n\nSpecific Issues : 1. Equifaxs refusal to provide <em>detailed</em> <em>evidence</em> and <em>results</em> of the <em>investigation</em> <em>after</em> <em>multiple</em> <em>disputes</em>. \nXXXX."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[21.749811,"8487960"]},{"_index":"complaint-public-v1","_id":"21783103","_score":19.658762,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint is a follow-up to a previously closed complaint regarding the same dispute, which remains unresolved due to Citibanks failure to conduct a reasonable investigation and accurately review submitted evidence. \n\nThis matter involves a {$9500.00} transaction for a cosmetic procedure in New York where services were not rendered as agreed. \n\nI disputed the charge and provided supporting documentation, including photographs clearly showing no visible or measurable change in my XXXX XXXX  in the areas that were billed for treatment, including the XXXX, XXXX XXXX, and XXXX. \n\nOn XX/XX/2026, I submitted additional evidence via email, including : * Multiple after-photos showing no change following the procedure * A detailed written explanation of the lack of results * Comparative examples from the merchants own advertised results This evidence directly supports my claim that the procedures billed were not completed as represented. \n\nDespite this, Citibank failed to acknowledge or address any of the materials submitted. Instead, they issued a response stating that no supporting proof was provided, which is factually incorrect. \n\nAdditionally, after I requested that the dispute be reopened, the claim was denied again within approximately XXXX business days ( from Friday to Tuesday ), indicating that no meaningful reinvestigation was conducted. \n\nOn XX/XX/2026, Citibanks XXXX XXXX XXXX issued a final response stating that their decision remained unchanged. The response did not address my evidence, did not explain how the decision was reached, and did not provide transparency regarding the merchants rebuttal. \n\nAt this point, the issue is not only the disputed transaction, but Citibanks failure to : * Review and acknowledge submitted evidence * Accurately represent the information I provided * Conduct a reasonable and thorough investigation * Provide transparency in their decision-making process I am seeking a proper and documented reinvestigation of this dispute, with confirmation that all submitted evidence, including my XX/XX/2026 submission, is fully reviewed and considered.","date_sent_to_company":"2026-05-01T08:16:06.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"10029","tags":null,"has_narrative":true,"complaint_id":"21783103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-05-01T08:06:54.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["On XX/XX/2026, I submitted additional <em>evidence</em> via email, including : * <em>Multiple</em> <em>after</em>-photos showing no change following the procedure * A <em>detailed</em> written explanation of the lack of <em>results</em> * Comparative examples from the merchants own advertised <em>results</em> This <em>evidence</em> directly supports my claim that the procedures billed were not completed as represented. \n\nDespite this, Citibank failed to acknowledge or address any of the materials submitted."]},"sort":[19.658762,"21783103"]},{"_index":"complaint-public-v1","_id":"11889057","_score":18.72822,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint against Experian for their repeated failure to lawfully address and correct inaccurate information on my credit report, despite multiple disputes I have submitted, including the attached most recent dispute letter and my Federal Trade Commission ( FTC ) Identity Theft Report.\n\nI have repeatedly disputed multiple accounts and inaccuracies with Experian, informing them that the disputed information is a result of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623, Experian is required to conduct a proper investigation and remove inaccurate or unverifiable information. However, Experian has failed to uphold its legal obligations and continues to report false and damaging information on my credit file. \n\nAdditionally, per my dispute letter ( s ), Experian has been made aware of multiple violations they have committed, including but not limited to : Failure to conduct a reasonable investigation despite being provided with an FTC Identity Theft Report and supporting evidence. \nFailure to remove fraudulent accounts after receiving proper dispute documentation. \nFailure to comply with the FCRA by verifying accounts that are legally unverified and unauthorized. \nOngoing harm to my credit and financial well-being as a result of Experian 's negligence. \nI have exhausted all means to resolve this matter directly with Experian, yet they continue to act in bad faith by ignoring clear evidence of fraud and failing to adhere to federal law. As a result, I am seeking CFPB 's intervention to ensure that Experian : Immediately removes all fraudulent and inaccurate accounts associated with the identity theft. \nCeases all further reporting of disputed information that is unverifiable and incorrect. \nProvides a detailed explanation for their noncompliance with my previous disputes. \nTakes corrective action to comply with FCRA regulations. \nI have attached my most recent dispute letter to Experian, the FTC Identity Theft Report, and supporting documentation for your review. I urge the CFPB to take immediate action against Experian for their failure to act in accordance with federal law. \n\nThank you for your time and assistance in resolving this matter.","date_sent_to_company":"2025-02-01T18:30:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"700XX","tags":null,"has_narrative":true,"complaint_id":"11889057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-01T17:43:11.000Z","state":"LA","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":["Additionally, per my <em>dispute</em> letter ( s ), Experian has been made aware of <em>multiple</em> violations they have committed, including but not limited to : Failure to conduct a reasonable <em>investigation</em> despite being provided with an FTC Identity Theft Report and supporting <em>evidence</em>. \nFailure to remove fraudulent accounts <em>after</em> receiving proper <em>dispute</em> documentation. \nFailure to comply with the FCRA by verifying accounts that are legally unverified and unauthorized."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.72822,"11889057"]},{"_index":"complaint-public-v1","_id":"17368840","_score":18.52431,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian, TransUnion, and Equifax for a widespread pattern of FCRA violations that mirror the same issues raised in federal cases such as XXXX XXXX TransUnion, XXXX XXXX Experian, and other suits involving illegal automated dispute handling. \n\nAll three bureaus have repeatedly failed to conduct lawful investigations, ignored my evidence, delayed my disputes, and reported accounts without proper verification. Their behavior is systemic, harmful, and unlawful. \n\nI am requesting : Deletion of all unverified and inaccurately reported accounts A real, manual reinvestigation compliant with FCRA 611 A complete Method of Verification for each account Compensation for damages caused by their violations of the FCRA Details of the Violations ( Applies to ALL 3 Bureaus ) 1. Failure to investigate disputes properly ( FCRA 611 ( a ) ( 1 ) ) I sent multiple dispute letters by certified mail. Each bureau responded with generic verifiedno change results without conducting any meaningful investigation. \n\nEvery bureau relied solely on automated ACDV responses from furnishers via e-OSCAR instead of reviewing my evidence. They ignored the detailed disputes, documents, and proof I provided. \n\nThis is the exact pattern of misconduct that the CFPB and multiple federal courts have ruled as unlawful 2. Failure to provide Method of Verification ( FCRA 611 ( a ) ( 7 ) ) I sent multiple MOV letters requesting : How the information was verified Who they contacted What documents were used What evidence was reviewed None of the bureaus provided any MOV. \nEach ignored my lawful request. \nThis is a clear and repeated FCRA violation.\n\n3. Delayed investigation disputes not started within reasonable time Experian received my disputes on XX/XX/2025, but did not open or process them until XX/XX/2025, 14 days later. This delay illegally shortened the investigation window and contributed to inaccurate dispute results. \n\nTransUnion and Equifax also delayed multiple dispute submissions after receiving my certified mail.\n\n4. Reporting inaccurate or inconsistent information Across all 3 bureaus, the same accounts show : Different dates of first delinquency ( DOFD ) Different balances Different statuses Missing DOFD Contradictory charge-off dates Accounts updated inconsistently This proves they did not verify the information with original documentation.\n\n5. Reporting accounts that collectors can not verify The following collection agencies failed to provide validation when requested : XXXXXX/XX/XXXXXXXX Under FDCPA + FCRA, unverified accounts must be deleted, yet all XXXX bureaus continued to report them or claim they are verified. \n\nThis is unlawful.\n\n6. Continuing to report after the furnisher STOPPED collection XXXX XXXX and XXXX XXXX stated they stopped all collection activity, yet the bureaus continued reporting the account.\n\nReporting accounts after a furnisher terminates collection is a violation because there is no ongoing authority to furnish data.\n\n7. Ignoring evidence I provided I sent : Dispute letters Debt validation requests MOV requests Certified mail receipts Screenshots of wrong dates Proof of furnisher non-response The bureaus ignored every piece of evidence and issued automated responses. This is willful non-compliance. \n\nAccounts Involved ( ALL BUREAUS ) XX/XX/XXXXXXXX All of these accounts have unresolved disputes, missing verification, inconsistent reporting, and no MOV.","date_sent_to_company":"2025-11-19T15:14:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"293XX","tags":null,"has_narrative":true,"complaint_id":"17368840","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-19T15:13:49.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to <em>investigate</em> <em>disputes</em> properly ( FCRA 611 ( a ) ( 1 ) ) I sent <em>multiple</em> <em>dispute</em> letters by certified mail. Each bureau responded with generic verifiedno change <em>results</em> without conducting any meaningful <em>investigation</em>. \n\nEvery bureau relied solely on automated ACDV responses from furnishers via e-OSCAR instead of reviewing my <em>evidence</em>. They ignored the <em>detailed</em> <em>disputes</em>, documents, and proof I provided."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.52431,"17368840"]},{"_index":"complaint-public-v1","_id":"17368839","_score":18.517729,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian, TransUnion, and Equifax for a widespread pattern of FCRA violations that mirror the same issues raised in federal cases such as XXXX XXXX TransUnion, XXXX XXXX Experian, and other suits involving illegal automated dispute handling. \n\nAll three bureaus have repeatedly failed to conduct lawful investigations, ignored my evidence, delayed my disputes, and reported accounts without proper verification. Their behavior is systemic, harmful, and unlawful. \n\nI am requesting : Deletion of all unverified and inaccurately reported accounts A real, manual reinvestigation compliant with FCRA 611 A complete Method of Verification for each account Compensation for damages caused by their violations of the FCRA Details of the Violations ( Applies to ALL 3 Bureaus ) 1. Failure to investigate disputes properly ( FCRA 611 ( a ) ( 1 ) ) I sent multiple dispute letters by certified mail. Each bureau responded with generic verifiedno change results without conducting any meaningful investigation. \n\nEvery bureau relied solely on automated ACDV responses from furnishers via e-OSCAR instead of reviewing my evidence. They ignored the detailed disputes, documents, and proof I provided. \n\nThis is the exact pattern of misconduct that the CFPB and multiple federal courts have ruled as unlawful 2. Failure to provide Method of Verification ( FCRA 611 ( a ) ( 7 ) ) I sent multiple MOV letters requesting : How the information was verified Who they contacted What documents were used What evidence was reviewed None of the bureaus provided any MOV. \nEach ignored my lawful request. \nThis is a clear and repeated FCRA violation.\n\n3. Delayed investigation disputes not started within reasonable time Experian received my disputes on XX/XX/2025, but did not open or process them until XX/XX/2025, 14 days later. This delay illegally shortened the investigation window and contributed to inaccurate dispute results. \n\nTransUnion and Equifax also delayed multiple dispute submissions after receiving my certified mail.\n\n4. Reporting inaccurate or inconsistent information Across all 3 bureaus, the same accounts show : Different dates of first delinquency ( DOFD ) Different balances Different statuses Missing DOFD Contradictory charge-off dates Accounts updated inconsistently This proves they did not verify the information with original documentation.\n\n5. Reporting accounts that collectors can not verify The following collection agencies failed to provide validation when requested : XXXXXX/XX/XXXXXXXX Under FDCPA + FCRA, unverified accounts must be deleted, yet all XXXX bureaus continued to report them or claim they are verified. \n\nThis is unlawful.\n\n6. Continuing to report after the furnisher STOPPED collection XXXX XXXX and XXXX XXXX stated they stopped all collection activity, yet the bureaus continued reporting the account.\n\nReporting accounts after a furnisher terminates collection is a violation because there is no ongoing authority to furnish data.\n\n7. Ignoring evidence I provided I sent : Dispute letters Debt validation requests MOV requests Certified mail receipts Screenshots of wrong dates Proof of furnisher non-response The bureaus ignored every piece of evidence and issued automated responses. This is willful non-compliance. \n\nAccounts Involved ( ALL BUREAUS ) XX/XX/XXXXXXXX All of these accounts have unresolved disputes, missing verification, inconsistent reporting, and no MOV.","date_sent_to_company":"2025-11-19T15:14:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"293XX","tags":null,"has_narrative":true,"complaint_id":"17368839","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-19T15:13:49.000Z","state":"SC","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":["Failure to <em>investigate</em> <em>disputes</em> properly ( FCRA 611 ( a ) ( 1 ) ) I sent <em>multiple</em> <em>dispute</em> letters by certified mail. Each bureau responded with generic verifiedno change <em>results</em> without conducting any meaningful <em>investigation</em>. \n\nEvery bureau relied solely on automated ACDV responses from furnishers via e-OSCAR instead of reviewing my <em>evidence</em>. They ignored the <em>detailed</em> <em>disputes</em>, documents, and proof I provided."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.517729,"17368839"]},{"_index":"complaint-public-v1","_id":"17369438","_score":18.505346,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian, TransUnion, and Equifax for a widespread pattern of FCRA violations that mirror the same issues raised in federal cases such as XXXX XXXX TransUnion, XXXX XXXX Experian, and other suits involving illegal automated dispute handling. \n\nAll three bureaus have repeatedly failed to conduct lawful investigations, ignored my evidence, delayed my disputes, and reported accounts without proper verification. Their behavior is systemic, harmful, and unlawful. \n\nI am requesting : Deletion of all unverified and inaccurately reported accounts A real, manual reinvestigation compliant with FCRA 611 A complete Method of Verification for each account Compensation for damages caused by their violations of the FCRA Details of the Violations ( Applies to ALL 3 Bureaus ) 1. Failure to investigate disputes properly ( FCRA 611 ( a ) ( 1 ) ) I sent multiple dispute letters by certified mail. Each bureau responded with generic verifiedno change results without conducting any meaningful investigation. \n\nEvery bureau relied solely on automated ACDV responses from furnishers via e-OSCAR instead of reviewing my evidence. They ignored the detailed disputes, documents, and proof I provided. \n\nThis is the exact pattern of misconduct that the CFPB and multiple federal courts have ruled as unlawful 2. Failure to provide Method of Verification ( FCRA 611 ( a ) ( 7 ) ) I sent multiple MOV letters requesting : How the information was verified Who they contacted What documents were used What evidence was reviewed None of the bureaus provided any MOV. \nEach ignored my lawful request. \nThis is a clear and repeated FCRA violation.\n\n3. Delayed investigation disputes not started within reasonable time Experian received my disputes on XX/XX/2025, but did not open or process them until XX/XX/2025, 14 days later. This delay illegally shortened the investigation window and contributed to inaccurate dispute results. \n\nTransUnion and Equifax also delayed multiple dispute submissions after receiving my certified mail.\n\n4. Reporting inaccurate or inconsistent information Across all 3 bureaus, the same accounts show : Different dates of first delinquency ( DOFD ) Different balances Different statuses Missing DOFD Contradictory charge-off dates Accounts updated inconsistently This proves they did not verify the information with original documentation.\n\n5. Reporting accounts that collectors can not verify The following collection agencies failed to provide validation when requested : XXXXXX/XX/XXXXXXXX Under FDCPA + FCRA, unverified accounts must be deleted, yet all XXXX bureaus continued to report them or claim they are verified. \n\nThis is unlawful.\n\n6. Continuing to report after the furnisher STOPPED collection XXXX XXXX and XXXX XXXX stated they stopped all collection activity, yet the bureaus continued reporting the account.\n\nReporting accounts after a furnisher terminates collection is a violation because there is no ongoing authority to furnish data.\n\n7. Ignoring evidence I provided I sent : Dispute letters Debt validation requests MOV requests Certified mail receipts Screenshots of wrong dates Proof of furnisher non-response The bureaus ignored every piece of evidence and issued automated responses. This is willful non-compliance. \n\nAccounts Involved ( ALL BUREAUS ) XX/XX/XXXXXXXX All of these accounts have unresolved disputes, missing verification, inconsistent reporting, and no MOV.","date_sent_to_company":"2025-11-19T15:14:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"293XX","tags":null,"has_narrative":true,"complaint_id":"17369438","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-19T15:03:11.000Z","state":"SC","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":["Failure to <em>investigate</em> <em>disputes</em> properly ( FCRA 611 ( a ) ( 1 ) ) I sent <em>multiple</em> <em>dispute</em> letters by certified mail. Each bureau responded with generic verifiedno change <em>results</em> without conducting any meaningful <em>investigation</em>. \n\nEvery bureau relied solely on automated ACDV responses from furnishers via e-OSCAR instead of reviewing my <em>evidence</em>. They ignored the <em>detailed</em> <em>disputes</em>, documents, and proof I provided."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.505346,"17369438"]},{"_index":"complaint-public-v1","_id":"21479547","_score":18.46673,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint as a follow-up to a previously closed CFPB complaint regarding the same issue, which remains unresolved due to Citibanks failure to conduct a reasonable investigation.\n\nThis dispute involves a {$9500.00} transaction for a cosmetic procedure in New York where the services were not rendered as agreed. I provided supporting documentation, including photographs clearly showing that no procedure was performed and that my appearance remained unchanged. \n\nThe merchants rebuttal relied on before photos and a signed agreement for the procedure. However, the merchant only provided before photos ( specifically of my body, not my face ), and no after evidence showing that any procedure was completed. A signed agreement only shows intent to receive a serviceit does not prove that the service was actually performed. I submitted my own photos showing no change, demonstrating that the procedure was not done. \n\nDespite this, Citibank denied my dispute. \n\nAfter the initial denial, I escalated the matter and requested that the investigation be reopened. The claim was reopened ; however, it was denied again within approximately three business days ( from XXXX  to XXXX ). This extremely short timeframe raises serious concerns that no meaningful reinvestigation took place. \n\nOn XX/XX/year>, I received a response from Citibanks Executive Response Unit stating that their prior decision would remain unchanged. The response did not address the evidence I submitted, did not explain how the decision was reached, and did not provide transparency into the merchants rebuttal. The tone of the response was dismissive and unprofessional. \n\nThroughout this process, I have made multiple attempts to resolve the issue by contacting Citibank and requesting confirmation that my evidence was reviewed, as well as a clear explanation of their decision. These requests have not been adequately addressed. \n\nThis issue is not only about the disputed transaction, but also Citibanks failure to properly investigate after reopening the claim, failure to consider material evidence, and lack of transparency in its decision I am requesting that Citibank conduct a proper and independent reinvestigation of this dispute, with full review of all submitted evidence. If the merchant can not provide verifiable proof that the service was completed ( including legitimate after-results ), I am requesting that the {$9500.00} transaction be refunded in full. \n\nI also request a clear, detailed written explanation of how the final determination is made, including how the merchants response was evaluated against my evidence.","date_sent_to_company":"2026-04-22T13:25:15.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"10029","tags":null,"has_narrative":true,"complaint_id":"21479547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-22T13:09:35.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["This issue is not only about the <em>disputed</em> transaction, but also Citibanks failure to properly <em>investigate</em> <em>after</em> reopening the claim, failure to consider material <em>evidence</em>, and lack of transparency in its decision I am requesting that Citibank conduct a proper and independent reinvestigation of this <em>dispute</em>, with full review of all submitted <em>evidence</em>."]},"sort":[18.46673,"21479547"]},{"_index":"complaint-public-v1","_id":"11593367","_score":18.311907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I am filing this complaint regarding Experians failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) in investigating disputes I have submitted regarding inaccurate information on my credit report.\n\nExperian has engaged in practices that has undermined my dispute resolution process, including : Conducting inadequate and superficial investigations of my submitted disputes. \n\nMischaracterizing the nature of my disputes by using generic or incorrect dispute codes on Automated Credit Dispute Verification ( ACDV ) forms.\n\nFailing to properly consider detailed evidence provided by me, such as documentation proving errors to remove information.\n\nProviding me with outcome letters that are ambiguous, incorrect, and inconsistent. \n\nI have filed multiple disputes with Experian concerning inaccurate information on my credit report. Despite providing detailed supporting evidence for these disputes, Experian either failed to correct the errors or reverted to the incorrect information without justification. \n\nI have personally experienced these violations in multiple disputes I filed with Experian through the CFPB, including the following : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian has engaged in systemic practices against me that violate the following provisions of the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failing to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute.\n\n15 U.S.C. 1681i ( a ) ( 4 ) Failing to review and consider all relevant information provided by the consumer during the dispute process.\n\n15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failing to delete or modify inaccurate or incomplete information after conducting a reinvestigation.\n\n15 U.S.C. 1681g ( c ) Providing dispute outcome letters that are ambiguous, incorrect, or inconsistent, thereby failing to adequately inform consumers of the results of the reinvestigation.\n\nAs a direct result of Experians failure to address these inaccuracies : I have been denied credit applications on several occasions.\n\nI have been subjected to higher interest rates on credit products, which have caused financial strain and impacted my ability to manage my obligations effectively.\n\nThese outcomes have caused significant harm to my financial well-being and personal stability.\n\nI am requesting the CFPBs intervention to ensure that Experian complies with the FCRA, including : Conducting a proper reinvestigation of my previous disputes with full consideration of the evidence I have provided.\n\nProviding me with clear and detailed explanations of the actions taken during these investigations.\n\nDeleting inaccurate information on my credit report. \n\nImplementing measures to prevent such practices from continuing in the future. \n\nI believe Experians practices constitute a clear violation of federal law, and I urge the CFPB to take appropriate action to protect me from further harm. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-20T15:26:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28227","tags":null,"has_narrative":true,"complaint_id":"11593367","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-20T15:12:44.000Z","state":"NC","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":["Despite providing <em>detailed</em> supporting <em>evidence</em> for these <em>disputes</em>, Experian either failed to correct the errors or reverted to the incorrect information without justification."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.311907,"11593367"]},{"_index":"complaint-public-v1","_id":"18063035","_score":17.676271,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding Chase Banks handling of unauthorized debit card transactions on my account. \n\nI experienced multiple unauthorized debit card transfers that I did NOT authorize, initiate, or approve. These transactions were processed through XXXXXXXX XXXX XXXX XXXX XXXX XXXX \n\nThe unauthorized transactions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not share my debit card number, online banking credentials, PIN, or one-time passcodes with anyone. These transactions were the result of fraud and were not caused by negligence or intentional actions on my part. \n\nI reported the unauthorized activity to Chase promptly. However, Chase closed my dispute after only a few days and stated that they have no options available for me. I was not provided with a clear, detailed written explanation or evidence supporting their decision. \n\nUnder the Electronic Fund Transfer Act ( Regulation E ), consumers are protected from unauthorized electronic fund transfers when reported in a timely manner. I believe Chase did not properly apply these protections and failed to conduct a reasonable investigation. \n\nI am requesting that Chase reopen and reconsider my dispute, conduct a full and fair investigation, and provide reimbursement or provisional credit for the unauthorized transactions, or provide a detailed written explanation specifying the exact basis for denial. \n\nI respectfully request CFPBs assistance in reviewing Chases handling of this matter.","date_sent_to_company":"2025-12-16T03:00:38.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"02072","tags":null,"has_narrative":true,"complaint_id":"18063035","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-12-16T02:24:50.000Z","state":"MA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["These transactions were the <em>result</em> of fraud and were not caused by negligence or intentional actions on my part. \n\nI reported the unauthorized activity to Chase promptly. However, Chase closed my <em>dispute</em> <em>after</em> only a few days and stated that they have no options available for me. I was not provided with a clear, <em>detailed</em> written explanation or <em>evidence</em> supporting their decision."]},"sort":[17.676271,"18063035"]},{"_index":"complaint-public-v1","_id":"21652532","_score":17.65253,"_source":{"product":"Credit card","complaint_what_happened":"I am disputing unauthorized transactions on my TD Bank credit card account. \n\nThis is not a dispute about account ownership. The account was legitimately opened by me on XX/XX/XXXX. However, the card was lost at a later date, and multiple transactions were made without my authorization after that point. \n\nUpon discovering these unauthorized charges, I reported the matter to TD Bank and requested an investigation under the Fair Credit Billing Act ( FCBA ). I explicitly stated that I did not authorize, participate in, or benefit from these transactions. \n\nDespite this, TD Bank failed to conduct a reasonable investigation and instead relied on internal assumptions rather than providing any direct evidence that I authorized the transactions. \n\nI also formally requested detailed validation of the alleged charges, including : - Proof of authorization for each transaction - Signed receipts or merchant verification - IP/device logs or location data associated with the transactions No such evidence has ever been provided. \n\nInstead, I only received generic account statements and internal system records, which do not constitute proof of authorization. \n\nAs a result of TD Banks failure to properly investigate and resolve this dispute : - The account was charged off with a balance of {$1600.00} as of XX/XX/XXXX- The account has been reported negatively to credit bureaus - The debt was sent to a third-party collection agency ( XXXX XXXX XXXX XXXX ) After I filed complaints and disputes, the collection agency closed the account and returned it to TD Bank with an identity theft notice. However, TD Bank continues to report this account as valid and delinquent without providing any evidence of authorization. \n\nThis raises serious concerns regarding compliance with : - The Fair Credit Billing Act ( FCBA ) for failure to properly investigate unauthorized transactions - The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, for continuing to report inaccurate and unverified information I am requesting that TD Bank : 1. Provide direct evidence that I authorized the disputed transactions, or 2. Remove the account and all related negative reporting from my credit file I am not responsible for these charges and will not accept liability for transactions that were not authorized by me.","date_sent_to_company":"2026-04-28T02:48:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"07024","tags":null,"has_narrative":true,"complaint_id":"21652532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2026-04-28T02:27:17.000Z","state":"NJ","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I am <em>disputing</em> unauthorized transactions on my TD Bank credit card account. \n\nThis is not a <em>dispute</em> about account ownership. The account was legitimately opened by me on XX/XX/XXXX. However, the card was lost at a later date, and <em>multiple</em> transactions were made without my authorization <em>after</em> that point. \n\nUpon discovering these unauthorized charges, I reported the matter to TD Bank and requested an <em>investigation</em> under the Fair Credit Billing Act ( FCBA )."]},"sort":[17.65253,"21652532"]},{"_index":"complaint-public-v1","_id":"20759196","_score":17.586374,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint because JPMorgan Chase improperly denied my credit card dispute involving a defective medical service and failed to conduct a full and fair investigation as required under the Fair Credit Billing Act ( FCBA ). \nOn XX/XX/year>, I paid {$8500.00} to XXXX XXXX XXXX XXXX, a Florida plastic surgeon, for a cosmetic procedure that was misrepresented and performed in a materially defective manner. The surgeon failed to disclose critical medical information prior to the procedure, including the presence of XXXX  XXXX and the limitations of the technique he used. As a result, the outcome was objectively defective and required corrective treatment.\n\nMultiple independent board certified surgeons later confirmed that the original procedure was improperly performed and could not have produced the results represented to me. I provided Chase with written evaluations, photographs, and a detailed timeline demonstrating that the defects were not immediately discoverable and became apparent only after the normal healing period a recognized form of delayed discovery under FCBA dispute standards. \nI attempted to resolve the matter directly with the surgeon, who refused to provide a refund or corrective treatment unless I paid additional fees. I submitted all documentation to Chase, including proof of payment, the surgeons refusal to remedy the issue, and independent medical assessments confirming the defective service. \nDespite this, Chase denied my dispute solely on timing, without addressing the substance of the defective service, the delayed discovery, or the medical evidence I submitted. Chase also denied my subsequent appeal without conducting a meaningful review. This constitutes a failure to perform a reasonable investigation under the FCBA.\n\nI am requesting that the CFPB require Chase to : 1. Reopen the dispute 2. Conduct a full and fair investigation 3. Review the medical evidence demonstrating misrepresentation and defective service 4. Provide the protections afforded under the FCBA for materially defective services I have acted in good faith, provided extensive documentation, and followed all dispute procedures. Chases refusal to properly investigate has left me financially harmed for a service that was not delivered as represented.","date_sent_to_company":"2026-03-29T20:56:07.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"346XX","tags":null,"has_narrative":true,"complaint_id":"20759196","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-03-29T20:09:12.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["As a <em>result</em>, the outcome was objectively defective and required corrective treatment.\n\n<em>Multiple</em> independent board certified surgeons later confirmed that the original procedure was improperly performed and could not have produced the <em>results</em> represented to me."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[17.586374,"20759196"]},{"_index":"complaint-public-v1","_id":"12203832","_score":17.487417,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"For over XXXX years, TransUnion has claimed to have verified the accuracy and compliance of my account with XXXX XXXX XXXX XXXX under FCRA standards. Despite multiple fraud claims and documented evidence proving the account was fraudulent, TransUnion failed to act, resulting in both financial and emotional distress. Rather than properly investigating or providing financial compensation for their errorsnow totaling XXXX over the past XXXX ignored my disputes until a XXXX who actually reviewed the file acknowledged the negligence and removed the account. \nXXXX XXXX XXXX XXXX is a clear example of this misconduct. The account, originally with XXXXXXXX XXXX, was falsely reported. XXXX initially stated the debt was both paid in full and sold to XXXX XXXX XXXX XXXX. However, after XXXX years of disputes, it was proven that XXXX  reporting was inaccurate, leading to its removal. Despite this, XXXX XXXX XXXX XXXX continued reporting the debt to credit bureaus using my personal information without my consent. They have consistently ignored disputes, operating as a predatory entity attempting to collect on a debt that was never valid. \nPursuant to 15 U.S.C. 1681i ( FCRA 611 ), XXXX has failed to properly investigate or provide any justification for why fraudulent accounts remain on my report even after their removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law.\n\nImmediate Action Required This dispute has remained unresolved for over two years, despite clear evidence of fraud. Therefore, the following actions must be taken immediately : Permanent deletion of all fraudulent accounts associated with my personal information. \nWritten confirmation of the deletions, sent to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, United States This is not a request for review or modification. My consumer rights have been violated, and I have suffered significant hardship as a result. Failure to comply within 10 days will require a detailed explanation from the assigned XXXX, including full disclosure of the investigative process conducted. Any further negligence or noncompliance with FCRA and CFPB regulations will result in legal action, holding all responsible parties personally accountable for the financial and emotional damages incurred. \nXXXX compliance is expected.","date_sent_to_company":"2025-02-26T01:28:29.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"488XX","tags":null,"has_narrative":true,"complaint_id":"12203832","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-26T01:15:53.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Despite <em>multiple</em> fraud claims and documented <em>evidence</em> proving the account was fraudulent, TransUnion failed to act, <em>resulting</em> in both financial and emotional distress. Rather than properly <em>investigating</em> or providing financial compensation for their errorsnow totaling XXXX over the past XXXX ignored my <em>disputes</em> until a XXXX who actually reviewed the file acknowledged the negligence and removed the account. \nXXXX XXXX XXXX XXXX is a clear example of this misconduct."]},"sort":[17.487417,"12203832"]},{"_index":"complaint-public-v1","_id":"12203420","_score":17.487417,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"For over XXXX years, TransUnion has claimed to have verified the accuracy and compliance of my account with XXXX XXXX XXXX XXXX under FCRA standards. Despite multiple fraud claims and documented evidence proving the account was fraudulent, TransUnion failed to act, resulting in both financial and emotional distress. Rather than properly investigating or providing financial compensation for their errorsnow totaling XXXX over the past XXXX ignored my disputes until a XXXX who actually reviewed the file acknowledged the negligence and removed the account. \nXXXX XXXX XXXX XXXX is a clear example of this misconduct. The account, originally with XXXXXXXX XXXX, was falsely reported. XXXX initially stated the debt was both paid in full and sold to XXXX XXXX XXXX XXXX. However, after XXXX years of disputes, it was proven that XXXX  reporting was inaccurate, leading to its removal. Despite this, XXXX XXXX XXXX XXXX continued reporting the debt to credit bureaus using my personal information without my consent. They have consistently ignored disputes, operating as a predatory entity attempting to collect on a debt that was never valid. \nPursuant to 15 U.S.C. 1681i ( FCRA 611 ), XXXX has failed to properly investigate or provide any justification for why fraudulent accounts remain on my report even after their removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law.\n\nImmediate Action Required This dispute has remained unresolved for over two years, despite clear evidence of fraud. Therefore, the following actions must be taken immediately : Permanent deletion of all fraudulent accounts associated with my personal information. \nWritten confirmation of the deletions, sent to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, United States This is not a request for review or modification. My consumer rights have been violated, and I have suffered significant hardship as a result. Failure to comply within 10 days will require a detailed explanation from the assigned XXXX, including full disclosure of the investigative process conducted. Any further negligence or noncompliance with FCRA and CFPB regulations will result in legal action, holding all responsible parties personally accountable for the financial and emotional damages incurred. \nXXXX compliance is expected.","date_sent_to_company":"2025-02-26T01:28:29.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"488XX","tags":null,"has_narrative":true,"complaint_id":"12203420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-26T01:28:03.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Despite <em>multiple</em> fraud claims and documented <em>evidence</em> proving the account was fraudulent, TransUnion failed to act, <em>resulting</em> in both financial and emotional distress. Rather than properly <em>investigating</em> or providing financial compensation for their errorsnow totaling XXXX over the past XXXX ignored my <em>disputes</em> until a XXXX who actually reviewed the file acknowledged the negligence and removed the account. \nXXXX XXXX XXXX XXXX is a clear example of this misconduct."]},"sort":[17.487417,"12203420"]},{"_index":"complaint-public-v1","_id":"12203607","_score":17.486794,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"For over two years, XXXX has claimed to have verified the accuracy and compliance of my account with Spring Oaks Capital LLC under FCRA standards. Despite multiple fraud claims and documented evidence proving the account was fraudulent, XXXX failed to act, resulting in both financial and emotional distress. Rather than properly investigating or providing financial compensation for their errorsnow totaling XXXX over the past yearXXXX ignored my disputes until a specialist who actually reviewed the file acknowledged the negligence and removed the account. \nSpring Oaks Capital LLC is a clear example of this misconduct. The account, originally with XXXXXXXX XXXX, was falsely reported. XXXX initially stated the debt was both paid in full and sold to Spring Oaks Capital LLC. However, after XXXX years of disputes, it was proven that XXXX reporting was inaccurate, leading to its removal. Despite this, Spring Oaks Capital LLC continued reporting the debt to credit bureaus using my personal information without my consent. They have consistently ignored disputes, operating as a predatory entity attempting to collect on a debt that was never valid. \nPursuant to 15 U.S.C. 1681i ( FCRA 611 ), XXXX has failed to properly investigate or provide any justification for why fraudulent accounts remain on my report even after their removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. \nImmediate Action Required This dispute has remained unresolved for over two years, despite clear evidence of fraud. Therefore, the following actions must be taken immediately : Permanent deletion of all fraudulent accounts associated with my personal information.\n\nWritten confirmation of the deletions, sent to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX, United States This is not a request for review or modification. My consumer rights have been violated, and I have suffered significant hardship as a result. Failure to comply within 10 days will require a detailed explanation from the assigned specialist, including full disclosure of the investigative process conducted. Any further negligence or noncompliance with FCRA and CFPB regulations will result in legal action, holding all responsible parties personally accountable for the financial and emotional damages incurred. \nImmediate compliance is expected.","date_sent_to_company":"2025-02-26T01:15:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"488XX","tags":null,"has_narrative":true,"complaint_id":"12203607","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-02-26T01:14:58.000Z","state":"MI","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Despite <em>multiple</em> fraud claims and documented <em>evidence</em> proving the account was fraudulent, XXXX failed to act, <em>resulting</em> in both financial and emotional distress. Rather than properly <em>investigating</em> or providing financial compensation for their errorsnow totaling XXXX over the past yearXXXX ignored my <em>disputes</em> until a specialist who actually reviewed the file acknowledged the negligence and removed the account. \nSpring Oaks Capital LLC is a clear example of this misconduct."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[17.486794,"12203607"]},{"_index":"complaint-public-v1","_id":"12203609","_score":17.479736,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"For over two years, XXXX has claimed to have verified the accuracy and compliance of my account with Spring Oaks Capital LLC under FCRA standards. Despite multiple fraud claims and documented evidence proving the account was fraudulent, XXXX failed to act, resulting in both financial and emotional distress. Rather than properly investigating or providing financial compensation for their errorsnow totaling XXXX over the past yearXXXX ignored my disputes until a specialist who actually reviewed the file acknowledged the negligence and removed the account. \nSpring Oaks Capital LLC is a clear example of this misconduct. The account, originally with XXXX XXXX was falsely reported. XXXX initially stated the debt was both paid in full and sold to Spring Oaks Capital LLC. However, after two years of disputes, it was proven that XXXX reporting was inaccurate, leading to its removal. Despite this, Spring Oaks Capital LLC continued reporting the debt to credit bureaus using my personal information without my consent. They have consistently ignored disputes, operating as a predatory entity attempting to collect on a debt that was never valid.\n\nPursuant to 15 U.S.C. 1681i ( FCRA 611 ), XXXX has failed to properly investigate or provide any justification for why fraudulent accounts remain on my report even after their removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. \nImmediate Action Required This dispute has remained unresolved for over two years, despite clear evidence of fraud. Therefore, the following actions must be taken immediately : Permanent deletion of all fraudulent accounts associated with my personal information. \nWritten confirmation of the deletions, sent to : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, MI XXXX, United States This is not a request for review or modification. My consumer rights have been violated, and I have suffered significant hardship as a result. Failure to comply within 10 days will require a detailed explanation from the assigned specialist, including full disclosure of the investigative process conducted. Any further negligence or noncompliance with FCRA and CFPB regulations will result in legal action, holding all responsible parties personally accountable for the financial and emotional damages incurred. \nImmediate compliance is expected.","date_sent_to_company":"2025-02-26T01:15:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"488XX","tags":null,"has_narrative":true,"complaint_id":"12203609","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-02-26T01:14:58.000Z","state":"MI","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Despite <em>multiple</em> fraud claims and documented <em>evidence</em> proving the account was fraudulent, XXXX failed to act, <em>resulting</em> in both financial and emotional distress. Rather than properly <em>investigating</em> or providing financial compensation for their errorsnow totaling XXXX over the past yearXXXX ignored my <em>disputes</em> until a specialist who actually reviewed the file acknowledged the negligence and removed the account. \nSpring Oaks Capital LLC is a clear example of this misconduct."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[17.479736,"12203609"]},{"_index":"complaint-public-v1","_id":"12203587","_score":17.479736,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"For over two years, XXXX has claimed to have verified the accuracy and compliance of my account with Spring Oaks Capital LLC under FCRA standards. Despite multiple fraud claims and documented evidence proving the account was fraudulent, XXXX failed to act, resulting in both financial and emotional distress. Rather than properly investigating or providing financial compensation for their errorsnow totaling XXXX over the past yearXXXX ignored my disputes until a specialist who actually reviewed the file acknowledged the negligence and removed the account. \nSpring Oaks Capital LLC is a clear example of this misconduct. The account, originally with XXXX XXXXXXXX, was falsely reported. XXXX initially stated the debt was both paid in full and sold to Spring Oaks Capital LLC. However, after XXXX years of disputes, it was proven that XXXX reporting was inaccurate, leading to its removal. Despite this, Spring Oaks Capital LLC continued reporting the debt to credit bureaus using my personal information without my consent. They have consistently ignored disputes, operating as a predatory entity attempting to collect on a debt that was never valid. \nPursuant to 15 U.S.C. 1681i ( FCRA 611 ), XXXX has failed to properly investigate or provide any justification for why fraudulent accounts remain on my report even after their removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. \nImmediate Action Required This dispute has remained unresolved for over two years, despite clear evidence of fraud. Therefore, the following actions must be taken immediately : Permanent deletion of all fraudulent accounts associated with my personal information. \nWritten confirmation of the deletions, sent to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, MI XXXX, United States This is not a request for review or modification. My consumer rights have been violated, and I have suffered significant hardship as a result. Failure to comply within 10 days will require a detailed explanation from the assigned specialist, including full disclosure of the investigative process conducted. Any further negligence or noncompliance with FCRA and CFPB regulations will result in legal action, holding all responsible parties personally accountable for the financial and emotional damages incurred. \nImmediate compliance is expected.","date_sent_to_company":"2025-02-26T01:15:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"488XX","tags":null,"has_narrative":true,"complaint_id":"12203587","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-02-26T01:10:39.000Z","state":"MI","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Despite <em>multiple</em> fraud claims and documented <em>evidence</em> proving the account was fraudulent, XXXX failed to act, <em>resulting</em> in both financial and emotional distress. Rather than properly <em>investigating</em> or providing financial compensation for their errorsnow totaling XXXX over the past yearXXXX ignored my <em>disputes</em> until a specialist who actually reviewed the file acknowledged the negligence and removed the account. \nSpring Oaks Capital LLC is a clear example of this misconduct."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[17.479736,"12203587"]},{"_index":"complaint-public-v1","_id":"12203365","_score":17.479736,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"For over XXXX years, TransUnion has claimed to have verified the accuracy and compliance of my account with XXXX XXXX XXXX XXXX under FCRA standards. Despite multiple fraud claims and documented evidence proving the account was fraudulent, TransUnion failed to act, resulting in both financial and emotional distress. Rather than properly investigating or providing financial compensation for their errorsnow totaling XXXX over the past XXXX ignored my disputes until a XXXX who actually reviewed the file acknowledged the negligence and removed the account. \nXXXX XXXX XXXX XXXX is a clear example of this misconduct. The account, originally with XXXXXXXX XXXX, was falsely reported. XXXX initially stated the debt was both paid in full and sold to XXXX XXXX XXXX XXXX. However, after XXXX years of disputes, it was proven that XXXX  reporting was inaccurate, leading to its removal. Despite this, XXXX XXXX XXXX XXXX continued reporting the debt to credit bureaus using my personal information without my consent. They have consistently ignored disputes, operating as a predatory entity attempting to collect on a debt that was never valid. \nPursuant to 15 U.S.C. 1681i ( FCRA 611 ), XXXX has failed to properly investigate or provide any justification for why fraudulent accounts remain on my report even after their removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law.\n\nImmediate Action Required This dispute has remained unresolved for over two years, despite clear evidence of fraud. Therefore, the following actions must be taken immediately : Permanent deletion of all fraudulent accounts associated with my personal information. \nWritten confirmation of the deletions, sent to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, United States This is not a request for review or modification. My consumer rights have been violated, and I have suffered significant hardship as a result. Failure to comply within 10 days will require a detailed explanation from the assigned XXXX, including full disclosure of the investigative process conducted. Any further negligence or noncompliance with FCRA and CFPB regulations will result in legal action, holding all responsible parties personally accountable for the financial and emotional damages incurred. \nXXXX compliance is expected.","date_sent_to_company":"2025-02-26T01:28:33.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"488XX","tags":null,"has_narrative":true,"complaint_id":"12203365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-26T01:28:03.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Despite <em>multiple</em> fraud claims and documented <em>evidence</em> proving the account was fraudulent, TransUnion failed to act, <em>resulting</em> in both financial and emotional distress. Rather than properly <em>investigating</em> or providing financial compensation for their errorsnow totaling XXXX over the past XXXX ignored my <em>disputes</em> until a XXXX who actually reviewed the file acknowledged the negligence and removed the account. \nXXXX XXXX XXXX XXXX is a clear example of this misconduct."]},"sort":[17.479736,"12203365"]},{"_index":"complaint-public-v1","_id":"23311839","_score":17.404345,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint against Barclays regarding its handling of multiple disputed charges from XXXX XXXX XXXX in XXXX totaling {$3000.00}. \n\nThe disputed transactions were for {$1500.00}, {$1000.00}, and {$530.00}. I entered into this transaction based on representations that were made during a sales presentation. After reviewing the membership and attempting to use the benefits that were promised, I discovered that significant information had been misrepresented or omitted. \n\nI promptly notified Barclays and disputed the charges. Barclays initially issued provisional credits while investigating the matter. However, I do not believe Barclays conducted a thorough investigation into my claims or adequately considered the deceptive sales practices involved. \n\nI believe I was misled regarding the terms, costs, benefits, and usability of the membership. Had accurate information been provided, I would not have agreed to the purchase or authorized these charges. \n\nAs a consumer, I relied on Barclays to fairly investigate my dispute and protect cardholders from transactions resulting from misrepresentation. Instead, I feel that my concerns were dismissed without proper consideration of the evidence I provided. \n\nI am requesting that Barclays reopen the investigation into all disputed transactions, provide a detailed explanation of its findings, and reimburse the disputed charges totaling {$3000.00}. I also request that the Consumer Financial Protection Bureau review Barclays ' handling of this matter to ensure that applicable consumer protection laws were followed. We have also retained an attorney to dispute this matter also, that contract is attached. \n\nThank you for your attention to this complaint.","date_sent_to_company":"2026-06-17T20:17:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"23311839","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2026-06-17T19:52:28.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["As a consumer, I relied on Barclays to fairly <em>investigate</em> my <em>dispute</em> and protect cardholders from transactions <em>resulting</em> from misrepresentation. Instead, I feel that my concerns were dismissed without proper consideration of the <em>evidence</em> I provided. \n\nI am requesting that Barclays reopen the <em>investigation</em> into all <em>disputed</em> transactions, provide a <em>detailed</em> explanation of its findings, and reimburse the <em>disputed</em> charges totaling {$3000.00}."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[17.404345,"23311839"]},{"_index":"complaint-public-v1","_id":"9494536","_score":17.319523,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to address the ongoing violations of consumer protection laws and statutes by TransUnion, LLC, regarding the handling of my credit report dispute. \n\nDespite multiple good-faith attempts to dispute inaccurate information, TransUnion has failed to conduct a meaningful investigation as required by law. On XX/XX/2024, I initiated a dispute through TransUnion 's online portal, providing detailed documentation from the creditor, XXXX, confirming the disputed charge was a billing error. This dispute was closed on XX/XX/2024, without any substantive action taken by TransUnion. \n\nUpon contacting TransUnion directly, I was instructed to resubmit the dispute, which I did on XX/XX/2024. Yet again, TransUnion issued an automated response and closed the investigation on XX/XX/2024, claiming the information was verified. This is patently false, as the evidence clearly demonstrates the charge is erroneous. It is impossible for a reinvestigation to be completed within a single day, especially when the dispute involves multiple parties and requires gathering information from external sources. \n\nTransUnion 's repeated failure to conduct a reasonable investigation, as well as their reliance on automated responses and form letters, constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection statutes. Specifically, TransUnion has violated : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a reasonable investigation after receiving notice of a dispute from me.\n\n15 U.S.C. 1681e ( b ) by failing to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports.\n\n15 U.S.C. 1681i ( f ) by failing to provide me with a summary of the results of the reinvestigation.","date_sent_to_company":"2024-07-13T15:40:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34116","tags":null,"has_narrative":true,"complaint_id":"9494536","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-13T15:25:40.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to address the ongoing violations of consumer protection laws and statutes by TransUnion, LLC, regarding the handling of my credit report <em>dispute</em>. \n\nDespite <em>multiple</em> good-faith attempts to <em>dispute</em> inaccurate information, TransUnion has failed to conduct a meaningful <em>investigation</em> as required by law. On XX/XX/2024, I initiated a <em>dispute</em> through TransUnion 's online portal, providing <em>detailed</em> documentation from the creditor, XXXX, confirming the <em>disputed</em> charge was a billing error."]},"sort":[17.319523,"9494536"]},{"_index":"complaint-public-v1","_id":"11081680","_score":17.31418,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir or Madam, I am writing to demand the immediate removal of a fraudulent account that continues to be reported on my credit report despite my multiple disputes. This account, which I have previously disputed, is clearly inaccurate and does not belong to me. It has been reported multiple times after I provided ample evidence of fraud, and I have complied with all legal requirements under the Fair Credit Reporting Act ( FCRA ). \nLet me be clear : I have disputed this account multiple times through your dispute process, and each time, this fraudulent account has remained on my credit report. This is a direct violation of my rights under the Fair Credit Reporting Act, which requires credit bureaus to correct or remove inaccurate, incomplete, or unverifiable information within 30 days of a dispute. It is also a violation of the FCRA Section 1681i ( requiring reasonable investigation ) that such a dispute should result in the removal or correction of any fraudulent information.\n\nYour failure to remove this fraudulent account after multiple disputes is not only frustrating but also illegal. Furthermore, under Section 1681s-2, your obligations extend to ensuring that only accurate and properly verified information is reported to the credit bureaus. As this account is fraudulent and unverified, your continued reporting of it on my credit file is an egregious violation of my rights.\n\nI hereby demand the immediate removal of this account from my credit report, effective within 5 business days. I expect a confirmation from your office in writing that this account has been permanently deleted. Failure to take immediate action will leave me no choice but to escalate this matter. I will pursue complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals office, as well as consider legal action for violation of the FCRA and any harm caused by this inaccurate reporting. \nAdditionally, please provide me with the following as required by law : The name, address, and phone number of the entity that reported the fraudulent account to you. \nA detailed explanation of the steps taken to investigate my dispute and the reasons for the continued reporting of this fraudulent information. \nPlease note, that I am keeping detailed records of all communications with your agency. If this issue is not resolved in a timely manner, I will take further steps to protect my credit and seek full legal redress for the damage this fraudulent account has caused. \nI trust this will be handled promptly. \nAccount Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-12-10T02:13:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11236","tags":null,"has_narrative":true,"complaint_id":"11081680","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-10T02:09:37.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Dear Sir or Madam, I am writing to demand the immediate removal of a fraudulent account that continues to be reported on my credit report despite my <em>multiple</em> <em>disputes</em>. This account, which I have previously <em>disputed</em>, is clearly inaccurate and does not belong to me. It has been reported <em>multiple</em> times <em>after</em> I provided ample <em>evidence</em> of fraud, and I have complied with all legal requirements under the Fair Credit Reporting Act ( FCRA )."]},"sort":[17.31418,"11081680"]},{"_index":"complaint-public-v1","_id":"20408441","_score":17.160656,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Against Bank of America Failure to Properly Investigate Dispute Case Information Case Number : XXXX Amount : {$740.00} Merchant : XXXX XXXX XXXX I am filing this complaint against Bank of America regarding their handling of my dispute. My claim has now been denied three separate times, including after escalation through the CFPB, where I provided additional and critical evidence. \n\nBank of Americas justification that the case has already been reviewed multiple times is not valid, as their initial decision was incorrect and I later provided clear proof of that error. \n\nTimeline of Events ( Critical Evidence Ignored ) : 1. The merchant explicitly promised that all courses and materials would be available in XXXX and that the full program, including XXXX, would be delivered. \n\n2. After payment, the service did not match what was promised : * Several courses were only available in XXXX * Multiple courses were missing * The XXXX program was not provided XXXX contacted the merchant, but they failed to respond for an entire week. \n\n4. Due to the lack of response and missing services, I opened a dispute with Bank of America.\n\n5. Bank of America denied the claim stating they could not verify that the service was different from what was purchased.\n\n6. The merchant stopped responding and still did not provide the XXXX program, leaving me without the required certification. \n\n7. Due to the year-end deadline, I was forced to enroll in another XXXX program with a different provider, resulting in double expenses. \n\n8. On XX/XX/XXXX ( only 12 days before the deadline ) the merchant uploaded the XXXX program and additional content without any prior notice. This proves : * The service was incomplete at the time of purchase * Content was added only after the dispute began * The program was delivered too late to be usable 9. I reopened the dispute and submitted this new evidence, proving that : * The merchant had not delivered all courses initially * The XXXX program was missing and only added later * The courses were not provided in XXXX as promised 10. Bank of America denied the claim again. \n\nXXXX. After escalating through the CFPB and providing full documentation, Bank of America denied the claim a third time, stating only that the case had already been reviewed. \n\nXXXXore Issue : Bank of America is ignoring clear evidence and instead validating the statements of a fraudulent merchant. \n\nThis merchant : * Misrepresented the language of the courses ( promised XXXX, delivered XXXX ) * Failed to deliver all purchased services * Did not provide the XXXX program at the time of purchase * Uploaded critical content only after the dispute began * Delivered the XXXX too late to be usable * Stopped responding to all communications Despite documented proof of these facts, Bank of America continues to claim that the service was delivered as agreed. \n\nThis is not a proper or reasonable investigation. \n\nRequested Resolution : I am requesting that Bank of America : * Reopen this case and conduct a proper, evidence-based investigation * Reverse the {$740.00} charge * Provide a detailed explanation of why critical evidence was ignored Explain why new evidence submitted after the initial denial was not properly considered Final Statement : This transaction clearly qualifies as : * Services Not Rendered * Misrepresentation of Services * Incomplete and Delayed Delivery Bank of Americas repeated denials demonstrate a failure to properly investigate and an unreasonable reliance on the statements of a fraudulent merchant instead of verifiable evidence. \n\nAdditionally, I have formally filed complaints against the merchant with the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ) due to the nature of the misconduct, including misrepresentation and issues related to tax-related educational services. \n\nThank you for your review.","date_sent_to_company":"2026-03-19T14:06:21.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"34747","tags":null,"has_narrative":true,"complaint_id":"20408441","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-03-19T13:48:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Complaint Against Bank of America Failure to Properly <em>Investigate</em> <em>Dispute</em> Case Information Case Number : XXXX Amount : {$740.00} Merchant : XXXX XXXX XXXX I am filing this complaint against Bank of America regarding their handling of my <em>dispute</em>. My claim has now been denied three separate times, including <em>after</em> escalation through the CFPB, where I provided additional and critical <em>evidence</em>."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[17.160656,"20408441"]},{"_index":"complaint-public-v1","_id":"18052638","_score":17.12776,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against USAA regarding a dispute I filed for a transaction with XXXX, a company currently involved in widespread fraud affecting thousands of traders. \nUSAA initially issued me a provisional credit, but after the investigation they : - Denied my dispute without providing a reasonable explanation - Did not provide the evidence used to deny my claim - Provided an inadequate investigation into a merchant now under fraud allegations- Closed my bank account shortly after the dispute outcome, which appears retaliatory Why this is a violation : Even though I received provisional credit, USAA still violated multiple federal regulations.\n\n1. Regulation E ( if debit card transaction ) : USAA failed to : Conduct a reasonable investigation into the disputed charge Provide all documentation used to deny the claim Provide a clear written explanation of why the claim was denied Avoid taking adverse action ( account closure ) in retaliation for filing a dispute 2. Fair Credit Billing Act ( if credit card transaction ) : USAA failed to : Properly investigate the billing error Provide detailed evidence supporting their denial Provide clear reasoning in compliance with FCBA requirements Avoid punitive measures against me 3. Unfair or Deceptive Acts and Practices ( UDAAP ) : Closing my account after a dispute is unfair, harmful, and retaliatory, and violates consumer protections.\n\n4. Potential FCRA Violations ( if reported to XXXX  ) : If USAA submitted negative information regarding this closure, it may be incorrect, retaliatory, or a violation of the Fair Credit Reporting Act.\n\nRequested CFPB Assistance : I am requesting that the CFPB require USAA to : 1. Reopen my account 2. Remove any negative internal or XXXX  reporting 3. Provide full documentation used to deny the dispute 4. Conduct a proper reinvestigation of the merchant, who has since been exposed for fraud 5. Refund the disputed charge if a proper investigation confirms merchant misconduct 6. Provide a written explanation for the account closure and dispute mishandling Harm Suffered : USAAs actions resulted in : Loss of access to my bank account Interruption to paying bills and managing finances Emotional stress and financial disruption Potential negative reporting to XXXX  Punishment for filing a legitimate fraud dispute","date_sent_to_company":"2025-12-01T18:21:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"84015","tags":"Servicemember","has_narrative":true,"complaint_id":"18052638","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-12-01T18:07:46.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["USAA initially issued me a provisional credit, but <em>after</em> the <em>investigation</em> they : - Denied my <em>dispute</em> without providing a reasonable explanation - Did not provide the <em>evidence</em> used to deny my claim - Provided an inadequate <em>investigation</em> into a merchant now under fraud allegations- Closed my bank account shortly <em>after</em> the <em>dispute</em> outcome, which appears retaliatory Why this is a violation : Even though I received provisional credit, USAA still violated <em>multiple</em> federal regulations.\n\n1."]},"sort":[17.12776,"18052638"]},{"_index":"complaint-public-v1","_id":"20361554","_score":17.099419,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX American Express XXXX XXXX XXXX I am filing this complaint against American Express for failing to properly investigate and resolve a legitimate billing dispute involving XXXX Advertising charges. \n\nI enrolled in XXXX XXXX after being promised a {$900.00} promotional credit over a three-month period and assurances that the service would increase my business sales, particularly during the holiday season. Based on these representations, I agreed to move forward with the service. \n\nHowever, the service was never properly delivered. My account was not fully set up, no meaningful onboarding or follow-up support was provided, and no representative contacted me to ensure the campaign was functioning as promised. Instead of increasing, my business sales declined during this period. \n\nDue to the lack of service and results, I canceled the advertising within XXXX weeks. Despite this, XXXX continued to charge my American Express business card. I attempted to resolve the issue directly with XXXX but was unable to reach a resolution. I have also since learned that other businesses have experienced similar issues with XXXX advertising practices. \n\nAs a result, I filed a billing dispute with American Express and provided detailed documentation, including proof of cancellation, lack of services rendered, and evidence of misleading promotional representations. \n\nAmerican Express denied my dispute multiple times without providing a clear or sufficient explanation. It appears that my submitted evidence was not properly reviewed or considered. Additionally, I recently received a warning from American Express stating that continued filing of billing disputes could result in the closure of my account. \n\nThis is deeply concerning. I have been an American Express customer since XXXX and pay over {$600.00} annually for a XXXX XXXX XXXX, which is marketed as offering strong purchase protection and customer support. Instead, I am being discouraged from exercising my rights to dispute unauthorized or improperly charged transactions. \n\nI believe American Express has failed in its obligation to conduct a reasonable investigation under applicable consumer protection laws and has unfairly penalized me for filing a legitimate dispute.","date_sent_to_company":"2026-03-18T05:08:11.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"017XX","tags":null,"has_narrative":true,"complaint_id":"20361554","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-03-18T04:46:20.000Z","state":"MA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["As a <em>result</em>, I filed a billing <em>dispute</em> with American Express and provided <em>detailed</em> documentation, including proof of cancellation, lack of services rendered, and <em>evidence</em> of misleading promotional representations. \n\nAmerican Express denied my <em>dispute</em> <em>multiple</em> times without providing a clear or sufficient explanation. It appears that my submitted <em>evidence</em> was not properly reviewed or considered."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[17.099419,"20361554"]},{"_index":"complaint-public-v1","_id":"14747355","_score":16.938883,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against TransUnion LLC for reporting and verifying inaccurate payment history regarding my XXXX XXXX account ending in XXXX. I submitted multiple certified disputesover five separate occasionsalong with official XXXX XXXX billing statements and transaction records clearly proving that the 30-day late payment reported for XXXX XXXX is false. \n\nThe payment due date for the XXXX XXXX XXXX XXXX XXXX billing cycle was XXXX XXXX XXXX A payment was posted on XXXX XXXX XXXXjust 11 days past the due date. According to the Fair Credit Reporting Act ( FCRA ), a 30-day delinquency can not be reported unless the payment is at least 30 full days late. This standard was not met.\n\nDespite receiving this clear evidence, TransUnion failed to conduct a reasonable investigation and has not provided any proof of the delinquency, the due date, or the verification source used. Instead, TransUnion has continued reporting this derogatory mark and verified it multiple times, even after being notified of its inaccuracy. This inaccurate entry has resulted in at least four credit denials and a measurable drop in my credit score. \n\nNotably, XXXX deleted the same disputed account after reviewing the same evidence, highlighting TransUnions uniquely negligent and harmful conduct. \n\nTransUnions actions violate the following sections of the FCRA : 1681e ( b ) Failure to ensure maximum possible accuracy 1681i ( a ) Failure to conduct a reasonable reinvestigation 1681i ( a ) ( 7 ) Failure to provide a description of the verification procedures 1681n & 1681o Willful and negligent noncompliance Supporting documentation, including billing statements, dispute letters, and denial notices, is attached to this complaint.\n\nI have kept detailed records of all disputes, communications, and responses. TransUnions pattern of noncompliance demonstrates willful disregard of my consumer rights under federal law.","date_sent_to_company":"2025-07-19T03:21:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32304","tags":null,"has_narrative":true,"complaint_id":"14747355","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-19T03:04:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Notably, XXXX deleted the same <em>disputed</em> account <em>after</em> reviewing the same <em>evidence</em>, highlighting TransUnions uniquely negligent and harmful conduct."]},"sort":[16.938883,"14747355"]},{"_index":"complaint-public-v1","_id":"23269960","_score":16.757854,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint because Bank of America continues to deny multiple disputes and fraud claims without conducting what appears to be a fair and reasonable investigation. \n\nRegarding my fraud claims, my phone, debit card, identification, and cash were stolen. I promptly reported the unauthorized activity after discovering it and later filed a police report. I provided Bank of America with the police report and supporting documentation showing that I was the victim of theft and that I did not conduct the disputed transactions. \n\nThe claims are : * Claim ID XXXX Unauthorized ATM withdrawals totaling {$4700.00} * Claim ID XXXX Unauthorized transactions totaling {$2200.00} Despite the police report and supporting evidence, Bank of America denied my claims, reopened them, and then denied them again only days later using the exact same reasoning. The bank has not explained what additional investigation was performed after reopening the claims or how my police report and evidence were evaluated. \n\nI was informed that the ATM claim was denied based on account history, prior merchant relationships, mobile banking activity, and other account information. However, I was also informed that ATM surveillance footage was not reviewed. Bank of America denied approximately {$4700.00} in disputed ATM withdrawals without reviewing evidence that could potentially identify the individual who conducted the transactions. \n\nIn addition, I was told by a Bank of America representative that I was a scammer and that the bank had records showing scams dating back years. I found these statements offensive, unprofessional, and prejudicial. Rather than focusing on the facts and evidence I provided, it appears conclusions were reached before a complete investigation was conducted. \n\nI am also requesting CFPB review of Bank of Americas handling of my plastic surgery-related disputes, which have been ongoing for many months. Despite providing medical records, imaging results, surgical records, and other supporting evidence, I have received no meaningful resolution. \n\nThe disputed amounts include : * {$6900.00} XXXX  XXXX dispute * {$3000.00} XXXX  XXXX dispute * {$2500.00} XXXX  XXXX dispute These disputes total {$12000.00} and have been pending or denied despite substantial supporting documentation. I have been attempting to recover these funds for nearly a year and continue to receive denials without a clear explanation of how my evidence was evaluated. \n\nAfter reporting the fraud, Bank of America restricted and ultimately moved toward closing my accounts, leaving me without access to desperately needed funds. I am a XXXX  mother caring for a XXXX XXXX, and the loss of these funds has created severe financial hardship. I have repeatedly informed the bank of my circumstances, yet I continue to receive denials without meaningful assistance. \n\nI respectfully request that CFPB review Bank of Americas handling of all of my disputes and fraud claims, including whether the bank properly considered my police report, medical evidence, supporting documentation, and other materials submitted. I also request that Bank of America be required to provide a detailed explanation of the investigations conducted, the evidence relied upon, and the reasons my supporting documentation was rejected.\n\nAt this time, I feel that my claims have not received a fair review despite extensive evidence. I am requesting CFPB assistance in obtaining a thorough and impartial investigation into these matters. \n\nRespectfully, XXXX XXXX","date_sent_to_company":"2026-06-16T20:14:30.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"11375","tags":null,"has_narrative":true,"complaint_id":"23269960","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-06-16T20:07:32.000Z","state":"NY","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 submitting this complaint because Bank of America continues to deny <em>multiple</em> <em>disputes</em> and fraud claims without conducting what appears to be a fair and reasonable <em>investigation</em>. \n\nRegarding my fraud claims, my phone, debit card, identification, and cash were stolen. I promptly reported the unauthorized activity <em>after</em> discovering it and later filed a police report."]},"sort":[16.757854,"23269960"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":599,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":599}]}},"product":{"doc_count":599,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":407,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":407}]}},{"key":"Debt collection","doc_count":53,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":32},{"key":"Credit card debt","doc_count":8},{"key":"Other debt","doc_count":5},{"key":"Rental debt","doc_count":5},{"key":"Medical debt","doc_count":1},{"key":"Mortgage 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