{"took":301,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":61,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19347415","_score":20.683224,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I was charged {$53.00} by XXXX XXXX for a reservation that was advertised as free with no obligation. I never accessed or used the storage unit. I contacted XXXX XXXX and Venmo requesting a refund and provided screenshots showing the free reservation. Venmo denied my dispute without addressing the misleading advertising or the merchants failure to provide the service. I am requesting a full refund and proper handling of misleading marketing.","date_sent_to_company":"2026-02-09T07:25:59.000Z","issue":"Confusing or missing disclosures","sub_product":"Mobile or digital wallet","zip_code":"77388","tags":null,"has_narrative":true,"complaint_id":"19347415","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-02-09T07:04:35.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Venmo denied my <em>dispute</em> <em>without</em> <em>addressing</em> the <em>misleading</em> <em>advertising</em> or the merchants failure to provide the service. I am requesting a full refund and proper handling of <em>misleading</em> marketing."]},"sort":[20.683224,"19347415"]},{"_index":"complaint-public-v1","_id":"8595828","_score":19.447563,"_source":{"product":"Credit card","complaint_what_happened":"I filed a dispute with Chase VISA regarding a charge that was misleading from XXXX XXXX ( {$520.00} on XX/XX/XXXX and XX/XX/XXXX, split in two ). The hotel advertised ( XXXX XXXX XXXX XXXX, XXXX ) that I was paying extra for a \" high floor '' in a 21 story hotel. I was given 8th floor and told \" high floor '' means 6-10. There was no indication of this when making the reservation and prepaying. The hotel nor XXXX didn't offer me a refund of any type, partial or otherwise, so I dispute the charge with Chase. Chase said it was valid. When I asked them to re-open it because they didn't address the issue of the misleading/fraudulent advertising, they sent a letter saying it was a valid charge based on the receipt from the hotel- not addressing the issue of a misleading advertisement and charge for a \" high floor '' room in a hotel that was 21 floors. XXXX told me that the individual hotel is responsible for what they post on the XXXX app, where I made the reservation and payment from. T The complaint is because of the failure of Chase to help with the dispute, not addressing at all the fraudulent advertising ( I sent them copies of the app screen that says \" high floor '' without indicating it would be the bottom half of the hotel! ) BUT also, in their letter, they said they were reporting my disagreement with their dispute finding to four credit agencies ( and they provided the names and addresses of each ) who may not file it correctly. I experienced this as an intimidation or threat to not re-open the dispute again as it could impact my credit (! ), despite Chase not addressing the issue of the fraudulent advertising by the hotel when I made the purchase. \n\nMy understanding is that credit agencies don't deal with customer disputes- especially as my credit card bill is up to date, has never been late, and I have not refused to pay this charge. In fact I have outstanding credit ( over XXXX ). \n\nSo my complaint centers around Chase : 1. Not adequately addressing the substance of the complaint 2. Attempting to intimidate me by claiming that any disputes around charges ( regardless of payments made to Chase ) are reported to credit agencies- which of course, any consumer would be concerned about \" reporting to credit agencies. ''","date_sent_to_company":"2024-03-21T13:12:43.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"010XX","tags":null,"has_narrative":true,"complaint_id":"8595828","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-21T12:59:47.000Z","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":["T The complaint is because of the failure of Chase to help with the <em>dispute</em>, not <em>addressing</em> at all the fraudulent <em>advertising</em> ( I sent them copies of the app screen that says \" high floor '' <em>without</em> indicating it would be the bottom half of the hotel! ) BUT also, in their letter, they said they were reporting my disagreement with their <em>dispute</em> finding to four credit agencies ( and they provided the names and <em>addresses</em> of each ) who may not file it correctly."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[19.447563,"8595828"]},{"_index":"complaint-public-v1","_id":"18875467","_score":17.342798,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding Capital Ones handling of a billing dispute involving airfare broker XXXX. \nThe airline tickets were issued ; however, the merchant charged excessive, deceptive, and misleading service fees of {$2900.00}. These fees were not clearly disclosed prior to purchase. The merchant subsequently issued credits totaling {$2400.00}. There is still a charge of {$490.00} outstanding that we are requesting be removed from our credit card. XXXX 's advertising represented that the company would secure discounted airfare, but the fee was only revealed after the transaction was completed. \nI made multiple good-faith attempts to resolve this directly with the merchant and provided call log screenshots to Capital One as requested. Capital One denied my dispute multiple times solely on the basis that the fee was labeled a merchant service fee, without addressing whether the fee was adequately disclosed or whether the merchant engaged in deceptive pricing practices. I am requesting that Capital One conduct a higher-level review of this dispute and consider a courtesy credit due to the misleading nature of the transaction and the excessive, undisclosed fees charged.","date_sent_to_company":"2026-01-20T23:31:39.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30180","tags":"Older American","has_narrative":true,"complaint_id":"18875467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-20T22:48:24.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Capital One denied my <em>dispute</em> multiple times solely on the basis that the fee was labeled a merchant service fee, <em>without</em> <em>addressing</em> whether the fee was adequately disclosed or whether the merchant engaged in deceptive pricing practices. I am requesting that Capital One conduct a higher-level review of this <em>dispute</em> and consider a courtesy credit due to the <em>misleading</em> nature of the transaction and the excessive, undisclosed fees charged."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[17.342798,"18875467"]},{"_index":"complaint-public-v1","_id":"20705613","_score":15.451635,"_source":{"product":"Debt collection","complaint_what_happened":"I dispute this debt in its entirety and selected debt is not yours because I do not owe any valid obligation. \n\nI enrolled in a gym membership with The XXXX in XXXX XXXX after being told that the first 30 days would be free and that my monthly rate would be {$130.00} thereafter. This representation is also reflected in the gyms advertising. \n\nHowever, I was charged {$270.00} on the XXXX day, labeled as a \" down payment '' which reflects XXXX months of dues and contradicts the representation that the first XXXX  days would be free. This billing structure was not clearly disclosed and is extremely misleading, but also not discussed at the time of signing. \n\nThe contract itself is also internally inconsistent. It lists a XXXX XXXX XXXX of {$130.00}, while also requiring a {$270.00} down payment and 24 monthly payments of {$130.00}, which does not clearly disclose the actual total financial obligation. \n\nBecause of this, I disputed the validity of the contract and requested cancellation, but the gym refused to cancel the agreement. \n\nThe account was then sent to a collection agency, Aldous & Associates, which is now attempting to collect a balance of approximately {$3700.00}. \n\nI submitted a formal dispute and demand for validation. The agency responded only with a copy of the same disputed contract and a balance statement, without addressing the substance of my dispute regarding misrepresentation and inconsistencies in the contract. \n\nFor these reasons, I do not believe this is a valid debt. \n\nThe account was then sent to a collection agency, Aldous & Associates, which is now attempting to collect a balance of approximately {$3700.00}. \n\nI submitted a formal dispute and demand for validation. The agency responded only with a copy of the same disputed contract and a balance statement, without addressing the substance of my dispute regarding misrepresentation and inconsistencies in the contract. \n\nI do not believe this is a valid debt.","date_sent_to_company":"2026-03-27T04:46:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"92037","tags":null,"has_narrative":true,"complaint_id":"20705613","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aldous & Associates, PLLC","date_received":"2026-03-27T03:59:24.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The agency responded only with a copy of the same <em>disputed</em> contract and a balance statement, <em>without</em> <em>addressing</em> the substance of my <em>dispute</em> regarding misrepresentation and inconsistencies in the contract. \n\nI do not believe this is a valid debt."]},"sort":[15.451635,"20705613"]},{"_index":"complaint-public-v1","_id":"14996741","_score":14.817526,"_source":{"product":"Credit card","complaint_what_happened":"My Citicard : XXXX. Citi dispute ID : XXXX I am writing to file a complaint regarding a disputed credit card charge and the mishandling of the case by Citi. \n\nOn XX/XX/2024, I was charged {$300.00} by XXXX XXXX XXXX for a subscription service that claimed to provide access to XXXX XXXX. However, after completing the payment, I discovered that XXXX XXXX was not available. The product offering was misleading and did not match what was promised on their website. I have screenshots of the merchants false advertising. \n\nI contacted the merchant directly, and they acknowledged the issue. On XX/XX/XXXX, they agreed via email to issue a partial refund of {$290.00}, which they claimed was processed. I have their email confirming this. \n\nConcerns : Missing Refund : The {$290.00} refund appeared as \" pending '' in my Citi account for one day, then disappeared. It has now been over 10 days, and the refund has not been posted to my account. \n\nDispute Mishandling by Citi : Despite clear evidence that the merchant acknowledged fault and agreed to a refund, Citi denied my dispute. The reason provided was irrelevant and failed to address the core issue : the merchant advertised a service it could not deliver. \n\nSuspicious Merchant Behavior : All communications/responses from the merchant were in XXXX. \nThe listed business address appears suspicious. \nI am concerned this may be a fraudulent operation targeting U.S. consumers and collecting personal information without providing valid services.\n\nCitis Broader Responsibility : While the disputed amount itself is one issue, Citis irresponsible handling of the case is even more serious. It reflects a lack of accountability and due diligence that puts consumers at risk. This behavior should be brought to public attention, and Citis administrative leadership needs to be made aware of how these cases are being mishandled.\n\nRequest : I respectfully ask the CFPB to investigate : Why Citi deny a valid dispute despite the merchant admitting fault and agreeing to refund? \nWhat happened to the {$290.00} refund, and why did it disappear from my account after showing as pending? \nThe legitimacy of XXXX XXXX XXXX, given the suspicious nature of their communications and operations. \nThe internal review process at Citi, to ensure such failures are addressed at the administrative level.\n\nI have attached supporting documentation, including : Screenshot of the merchants website advertising XXXX XXXXXXXX access and actually the service is not actually available. \nEmail from the merchant confirming the {$290.00} refund Thank you for your time and assistance in this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX phone : XXXX Citi Credit Card Last 4 digits : XXXX","date_sent_to_company":"2025-07-31T17:38:32.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"630XX","tags":null,"has_narrative":true,"complaint_id":"14996741","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-07-31T17:24:28.000Z","state":"MO","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":["<em>Dispute</em> Mishandling by Citi : Despite clear evidence that the merchant acknowledged fault and agreed to a refund, Citi denied my <em>dispute</em>. The reason provided was irrelevant and failed to <em>address</em> the core issue : the merchant advertised a service it could not deliver. \n\nSuspicious Merchant Behavior : All communications/responses from the merchant were in XXXX. \nThe listed business <em>address</em> appears suspicious."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[14.817526,"14996741"]},{"_index":"complaint-public-v1","_id":"11449072","_score":14.762587,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Urgent Demand for Compliance with Federal and State Laws Regarding Credit Report Accuracy and Consumer Rights Dear Experian, XXXX, and XXXX, I am writing to address the ongoing violations of my rights as a consumer under federal and Maryland state laws, as well as to highlight your continued failure to address systemic issues documented by the Consumer Financial Protection Bureau ( CFPB ) in its lawsuit against your agencies. Your neglect in properly conducting investigations and ensuring accurate credit reporting has been documented in several submissions I have made since XX/XX/year>, yet no corrective action has been taken. \n\nOngoing Violations and CFPB Lawsuit The CFPB is currently suing your agencies for the very issues I have experienced, including : Falsely conducting investigations or failing to conduct them at all. \nAccepting creditors unverified claims over evidence provided by consumers. \nFailing to remove inaccurate, closed, charged-off, or identity-theft-related items from credit reports. \nRemoving disputed items temporarily and then re-adding them without justification. \nThese practices directly violate : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Failing to conduct reasonable reinvestigations of disputes and refusing to delete unverifiable data.\n\n15 U.S.C. 1681e ( b ) : Neglecting to ensure the maximum possible accuracy of credit reports.\n\n15 U.S.C. 1681c-2 : Failing to block fraudulent information related to identity theft.\n\n15 U.S.C. 1681n and 1681o : Willfully and negligently failing to comply with FCRA requirements. \nConsumer Financial Protection Act ( CFPA ) : Engaging in unfair and deceptive practices that harm consumers.\n\nMaryland Consumer Protection Act : Misleading and deceiving consumers through false advertising and failure to provide accurate services.\n\nNegative Impacts on My Livelihood Your actions have caused severe harm to my financial stability and livelihood, including : Denying access to loans, housing, and financial services due to incorrect credit reporting. \nForcing me to pay for \" premium '' services to access accurate credit reports while advertising \" free '' reports that are outdated and misleading. \nProlonging financial harm and stress as a victim of identity theft by failing to address fraudulent accounts. \nDiscriminating against me by placing undue burden and financial disadvantage on a consumer attempting to resolve credit issues. \nThese actions have unjustly prevented me from securing essential funding, placed additional financial strain on me, and undermined my trust in your agencies. \n\nDocumented Submissions and Lack of Action Despite multiple submissions to the CFPB, including detailed evidence of inaccuracies and fraud, your agencies have consistently failed to address or resolve my disputes. Your systemic inaction has been well-documented and aligns with the CFPBs findings in its lawsuit. \n\nDemands for Immediate Action I demand the following : Resolution of Disputes : Conduct a full, transparent reinvestigation of my disputes and remove all inaccurate, unverifiable, or fraudulent entries. \nAdherence to Laws : Comply with FCRA requirements by ensuring accurate reporting and timely resolution of disputes. \nTransparency in Reporting : Provide accurate and up-to-date credit reports without requiring payment for services advertised as free.\n\nAccountability for Harm : Address the financial and emotional harm caused by your negligence and discrimination, including compensation for additional fees incurred.\n\nYour repeated violations are not only unlawful but have caused significant harm to me and many others. If you fail to act, I will escalate this matter further through complaints to the CFPB, FTC, Maryland Attorney Generals Office, and, if necessary, pursue legal action. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-09T23:49:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21234","tags":null,"has_narrative":true,"complaint_id":"11449072","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-09T23:36:50.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Removing <em>disputed</em> items temporarily and then re-adding them <em>without</em> justification."]},"sort":[14.762587,"11449072"]},{"_index":"complaint-public-v1","_id":"11445124","_score":14.762587,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Urgent Demand for Compliance with Federal and State Laws Regarding Credit Report Accuracy and Consumer Rights Dear XXXX, XXXX, and Equifax, I am writing to address the ongoing violations of my rights as a consumer under federal and Maryland state laws, as well as to highlight your continued failure to address systemic issues documented by the Consumer Financial Protection Bureau ( CFPB ) in its lawsuit against your agencies. Your neglect in properly conducting investigations and ensuring accurate credit reporting has been documented in several submissions I have made since XX/XX/year>, yet no corrective action has been taken. \n\nOngoing Violations and CFPB Lawsuit The CFPB is currently suing your agencies for the very issues I have experienced, including : Falsely conducting investigations or failing to conduct them at all. \nAccepting creditors unverified claims over evidence provided by consumers. \nFailing to remove inaccurate, closed, charged-off, or identity-theft-related items from credit reports. \nRemoving disputed items temporarily and then re-adding them without justification. \nThese practices directly violate : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Failing to conduct reasonable reinvestigations of disputes and refusing to delete unverifiable data.\n\n15 U.S.C. 1681e ( b ) : Neglecting to ensure the maximum possible accuracy of credit reports.\n\n15 U.S.C. 1681c-2 : Failing to block fraudulent information related to identity theft.\n\n15 U.S.C. 1681n and 1681o : Willfully and negligently failing to comply with FCRA requirements. \nConsumer Financial Protection Act ( CFPA ) : Engaging in unfair and deceptive practices that harm consumers.\n\nMaryland Consumer Protection Act : Misleading and deceiving consumers through false advertising and failure to provide accurate services. \n\nNegative Impacts on My Livelihood Your actions have caused severe harm to my financial stability and livelihood, including : Denying access to loans, housing, and financial services due to incorrect credit reporting. \nForcing me to pay for \" premium '' services to access accurate credit reports while advertising \" free '' reports that are outdated and misleading. \nProlonging financial harm and stress as a victim of identity theft by failing to address fraudulent accounts. \nDiscriminating against me by placing undue burden and financial disadvantage on a consumer attempting to resolve credit issues. \nThese actions have unjustly prevented me from securing essential funding, placed additional financial strain on me, and undermined my trust in your agencies. \n\nDocumented Submissions and Lack of Action Despite multiple submissions to the CFPB, including detailed evidence of inaccuracies and fraud, your agencies have consistently failed to address or resolve my disputes. Your systemic inaction has been well-documented and aligns with the CFPBs findings in its lawsuit. \n\nDemands for Immediate Action I demand the following : Resolution of Disputes : Conduct a full, transparent reinvestigation of my disputes and remove all inaccurate, unverifiable, or fraudulent entries.\n\nAdherence to Laws : Comply with FCRA requirements by ensuring accurate reporting and timely resolution of disputes.\n\nTransparency in Reporting : Provide accurate and up-to-date credit reports without requiring payment for services advertised as free.\n\nAccountability for Harm : Address the financial and emotional harm caused by your negligence and discrimination, including compensation for additional fees incurred. \nYour repeated violations are not only unlawful but have caused significant harm to me and many others. If you fail to act, I will escalate this matter further through complaints to the CFPB, FTC, Maryland Attorney XXXX XXXX, and, if necessary, pursue legal action. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-09T23:49:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21234","tags":null,"has_narrative":true,"complaint_id":"11445124","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-09T23:49:23.000Z","state":"MD","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Removing <em>disputed</em> items temporarily and then re-adding them <em>without</em> justification."]},"sort":[14.762587,"11445124"]},{"_index":"complaint-public-v1","_id":"11443012","_score":14.761614,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Urgent Demand for Compliance with Federal and State Laws Regarding Credit Report Accuracy and Consumer Rights Dear XXXX, TransUnion, and XXXX, I am writing to address the ongoing violations of my rights as a consumer under federal and Maryland state laws, as well as to highlight your continued failure to address systemic issues documented by the Consumer Financial Protection Bureau ( CFPB ) in its lawsuit against your agencies. Your neglect in properly conducting investigations and ensuring accurate credit reporting has been documented in several submissions I have made since XX/XX/year>, yet no corrective action has been taken. \n\nOngoing Violations and CFPB Lawsuit The CFPB is currently suing your agencies for the very issues I have experienced, including : Falsely conducting investigations or failing to conduct them at all. \nAccepting creditors unverified claims over evidence provided by consumers. \nFailing to remove inaccurate, closed, charged-off, or identity-theft-related items from credit reports. \nRemoving disputed items temporarily and then re-adding them without justification. \nThese practices directly violate : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Failing to conduct reasonable reinvestigations of disputes and refusing to delete unverifiable data. \n15 U.S.C. 1681e ( b ) : Neglecting to ensure the maximum possible accuracy of credit reports.\n\n15 U.S.C. 1681c-2 : Failing to block fraudulent information related to identity theft.\n\n15 U.S.C. 1681n and 1681o : Willfully and negligently failing to comply with FCRA requirements. \nConsumer Financial Protection Act ( CFPA ) : Engaging in unfair and deceptive practices that harm consumers. \n\nMaryland Consumer Protection Act : Misleading and deceiving consumers through false advertising and failure to provide accurate services. \n\nNegative Impacts on My Livelihood Your actions have caused severe harm to my financial stability and livelihood, including : Denying access to loans, housing, and financial services due to incorrect credit reporting. \nForcing me to pay for \" premium '' services to access accurate credit reports while advertising \" free '' reports that are outdated and misleading. \nProlonging financial harm and stress as a victim of identity theft by failing to address fraudulent accounts. \nDiscriminating against me by placing undue burden and financial disadvantage on a consumer attempting to resolve credit issues. \nThese actions have unjustly prevented me from securing essential funding, placed additional financial strain on me, and undermined my trust in your agencies. \n\nDocumented Submissions and Lack of Action Despite multiple submissions to the CFPB, including detailed evidence of inaccuracies and fraud, your agencies have consistently failed to address or resolve my disputes. Your systemic inaction has been well-documented and aligns with the CFPBs findings in its lawsuit. \n\nDemands for Immediate Action I demand the following : Resolution of Disputes : Conduct a full, transparent reinvestigation of my disputes and remove all inaccurate, unverifiable, or fraudulent entries. \nAdherence to Laws : Comply with FCRA requirements by ensuring accurate reporting and timely resolution of disputes. \nTransparency in Reporting : Provide accurate and up-to-date credit reports without requiring payment for services advertised as free.\n\nAccountability for Harm : Address the financial and emotional harm caused by your negligence and discrimination, including compensation for additional fees incurred. \nYour repeated violations are not only unlawful but have caused significant harm to me and many others. If you fail to act, I will escalate this matter further through complaints to the CFPB, FTC, Maryland Attorney XXXX XXXX, and, if necessary, pursue legal action. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-09T23:49:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21234","tags":null,"has_narrative":true,"complaint_id":"11443012","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-09T23:49:23.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Removing <em>disputed</em> items temporarily and then re-adding them <em>without</em> justification."]},"sort":[14.761614,"11443012"]},{"_index":"complaint-public-v1","_id":"12174394","_score":14.457658,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Complaint Against XXXX XXXX XXXX and XXXX XXXX XXXXXXXX  for Unfair Credit Reporting Practices Dear CFPB , I am writing to formally lodge a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX , which has engaged in practices that I believe violate consumer protection laws, specifically regarding credit reporting and debt collection. \n\nThis case arises from a dispute over a rent-to-own agreement involving a trailer, where I contend that the repossession of the trailer by the Defendants, XXXX XXXX XXXX and XXXX XXXX XXXX was conducted in violation of the terms of the agreement. I was not the original party to the agreement, and I assert that the repossession was unwarranted and contrary to the understanding of the contractual obligations. \n\nCentral to my claim is the assertion that XXXX XXXX XXXX website falsely advertised their rent-to-own program, promising tailored ownership solutions with no credit check, low monthly payments, and no hidden fees or penalties. These representations were misleading and not honored, as the repossession occurred despite the completion of the payment terms, which should have resulted in the secure placement of the asset on my property. \n\nFurthermore, I allege that the actions of XXXX XXXX XXXX amounted to tortious interference with my contractual relationship with XXXX XXXX XXXX. My period of illness contributed to misunderstandings regarding the payment schedule, yet the repossession proceeded, causing significant financial and personal distress. \n\nI am seeking {$5000.00} in damages, claiming that the Defendants actions constituted fraudulent behavior and false advertising, leading to financial harm and emotional distress. The legal issues at hand involve whether the Defendants breached their contractual obligations and whether XXXX XXXX XXXX unjustly interfered with my business expectancy, given the circumstances surrounding my illness and the alleged misrepresentations on the XXXX XXXX XXXX website. \nAdditionally, I would like to address the following points : 1. **Misleading Advertising** : The company promotes itself as a rent-to-own option that does not require a credit check. However, I was surprised to find that they reported a delinquent item on my credit report related to an outstanding balance of {$800.00}. This action has negatively impacted my credit score and my ability to secure future credit.\n\n2. **Fair Debt Collection Practices** : I believe that the collection practices employed by [ XXXX XXXX XXXX ] may not be in compliance with the Fair Debt Collection Practices Act ( FDCPA ). The reporting of this debt without proper notification or opportunity to resolve the matter is concerning. \n\nXXXX. **Validity of the Debt** : I request clarification on the validity of the reported debt. I have not received adequate communication regarding the outstanding balance, and I would like to see evidence of the original agreement and any related communications. \n\n4. **Statute of Limitations** : I am also concerned about whether the statute of limitations for this debt has expired, which could affect the company 's ability to collect this amount. \n\nI kindly request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX and XXXX XXXX XXXX for their unfair practices. I believe that consumers should be protected from misleading advertising and unfair credit reporting. \n\nThank you for your attention to this matter. I look forward to your prompt response.","date_sent_to_company":"2025-02-22T10:48:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"723XX","tags":null,"has_narrative":true,"complaint_id":"12174394","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Recovery Management","date_received":"2025-02-22T10:14:33.000Z","state":"AR","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I believe that consumers should be protected from <em>misleading</em> <em>advertising</em> and unfair credit reporting. \n\nThank you for your attention to this matter. I look forward to your prompt response."]},"sort":[14.457658,"12174394"]},{"_index":"complaint-public-v1","_id":"3735067","_score":14.414262,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have included copies of two letters describing this situation wrote to Citicard after my initial dispute was summarily denied because multiple Citicard employees gave me incorrect guidance on the time limit for filing a dispute. \n\nRealizing I had been scammed by a merchant I reached out to Citicard three times to confirm there was no time limit for me to file a dispute, to a person I was told no. Part of the process of the \" Not as described Chargeback '' first requires that I try to work things out with the merchant. Since this was a medical procedure this workout took me a full twelve weeks as that was the time frame given to allegedly see results. \n\nI filed my dispute on the 91st day right after the merchant stood me up for my final appointment. Citicard took the dispute with no mention of time frame and sent a letter to the merchant to investigate. Citicard never asked for my documentation in this matter. Despite not hearing from the merchant they denied my dispute for not being filed within 60 days. Not only does this dismissal run contrary to what Mastercard describes in the requirements of the chargeback, it is the exact opposite of what Citicard employees told me. \n\nA letter to the CEO has gone unanswered and the XXXX again denied my dispute for time limit without an investigation of their own employees negligence much less the fraud taking pace by the merchant. \n\n\nDear Mr. XXXX : As a longtime Citi customer maintaining two credit cards in impeccable standing I am thoroughly frustrated if not perplexed that I find myself writing this letter. Much of my frustration is derived from the fact I consulted three of your employees on this matter with respect to the time frame I had to file my dispute against XXXX XXXX XXXX XXXX. One of these calls was to XXXX XXXX in your Dispute Resolution Department who assured me there was no time limit for me to file my dispute along with I thought addressing my other concerns. \n\nAdding to my frustration I was defrauded by XXXX XXXX XXXX XXXX, XXXX   and his company XXXX XXXX XXXX XXXX. Among other things XXXX used false and deceptive advertising gain my business. I purchased a procedure called XXXX XXXX  for {$1800.00} which claims up to 24 % targeted and XXXX  XXXX XXXX  in XXXX XXXX to XXXX  and XXXX  twelve weeks post treatment. I received none of the purported reduction from a procedure I now consider to be nothing more than a scam. \n\nManager XXXX XXXX offered no clinical proof during my first follow up appointment on XX/XX/XXXX that there was any XXXX XXXX  from the XXXX procedure. Her sole approach was follow up photos she played with in her office trying to wow me with before and after. I was unimpressed with her ruse and said as much in that we had just taken my XXXX  and XXXX. After a little more back and forth along these lines Ms. XXXX indicated the procedure was still working and I needed to come back after the full 12 weeks. Something I reluctantly agreed to. She gave me a note indicating that they would possibly use my photos for promotional purposes implying I would get some cash back if I agreed to this. \n\nThe second thing XXXX XXXX mentioned on this note ( copy included ) was possibly doing the procedure over. When I spoke with XXXX XXXX she told me I wouldnt have to do the procedure over in order to be in compliance of working with the merchant for me to file a dispute. My clinical impression of XXXX being a sham is secondary in my dispute against   XXXX XXXX XXXX in the light of the easy to confirm deceptive trade practices. \n\nXXXX XXXX XXXX website contains stock photos alleged to be actual patients and markets XXXX XXXX  as if these are results they obtained for their clients ( see attached photos ). In reality if you bury down on other provider websites you will find various doctors unrelated to the XXXX  practice credited for the photos. \n\nParaphrasing ; claims that are outright misleading or false, especially those that could harm consumers are prohibited by federal and state consumer protection laws. A common form of false advertising involves deceptive or misleading product descriptions, particularly claims that a product has certain features or benefits that it does not, or that it is of a higher quality than it actually is. Examples include : Misleading illustrations or photographs. \n\nIn Nevada where XXXX  and its owner XXXX XXXX XXXX XXXX  are registered and licensed to practice respectively, as a consumer I am protected by Deceptive Trade Practices NRS 598.0915 and Deceptive Advertising NRS 207.175. These statutes closely follow Federal law. XXXX XXXX also appears to be in direct conflict with the truth in advertising legislation contained in the XXXX Assembly Bill ( A.B. ) 456 based on AMA standards which in part state communication shall not be misleading because of the omission of necessary material information, shall not contain any false or misleading statement, or shall not otherwise operate to deceive. In addition to contacting your company I have filed complaints with the Nevada Attorney General and Medical Board concerning this fraud. \n\nCiti summarily denying my dispute without asking me for clarifying written information has allowed a licensed physician to be financially rewarded for violating existing Federal and State laws concerning deceptive business practices, AMA guidelines, and consumer protections surrounding Implied Merchantability that seek to provide standards to prevent this manner of fraud. \n\nThe attached letter dated XXXX, XXXX XXXX indicates I only had 60 days from my first statement to file a complaint. Again your employees over a series calls told me I had unlimited time. Further complicating this is the medical service for which I was defrauded had an advertised twelve week period before I would expect to see maximum results. One of the conditions of a chargeback is that I attempt to work things out with the merchant. This required the full twelve weeks for my follow up appointment. Incidentally, when I showed up for my appointment on XX/XX/XXXX the office was closed, locked, and XXXX XXXX XXXX never returned my calls. I would love to send you the time stamped video of me banging on their door. On XX/XX/XXXX I relayed the above to the Citi worker that took the information on my dispute. \n\nOn XX/XX/XXXX I called the Citi number and despite wanting to hold to speak with someone about my dispute I was disconnected via your automated system. \n\nOn XX/XX/XXXX I called and spoke with XXXX who indicated that information was requested from XXXX XXXX and they had 60 days to reply. At that time there was no response from them. Frankly there is nothing they could provide since XXXX  nullified their standing for keeping my money unenforceable when they broke Federal and State laws to unlawfully obtain it. \n\nOn XX/XX/XXXX when I called to get my balance and suspected something was wrong with my dispute I waited to speak to XXXX XXXX. Very frustrated with his lack of knowledge and inability to review records I asked to speak to a supervisor. He continued to tell me none were available and finally I had to relent to a call back within 72 hours. I would have liked to review the above with a capable member of your staff rather than take an afternoon and write you, unfortunately thus far that promised call hasnt materialized On the XXXX I also signed up for Citi Online, for effect I asked your search engine how long I have to file a dispute. No answer is forthcoming. \n\nPlease charge back the merchant XXXX XXXX XXXX based on their deceptive and fraudulent business practices. This is the same protection you would afford any customer that was a victim of a crime with much less supporting information than I just provided. Should you need more details I will certainly provide what I can, including responses from the Medical Board and AG when they arrive. \n\nPlease have a representative with a direct call back number contact me at XXX-XXX-XXXX to further discuss this matter and confirm in writing when this fraud has been properly investigated and resolved. \n\n\nDear XXXX : I am writing to ask that you review my complaint in its entirety including the misrepresentations made to me by XXXX employees. Most notably I was told by three employees that there was no time limit for me to file a dispute. My dispute was subsequently denied for not being filed within 60 days. \n\nThis letter is a follow up to my call with XXXX ( XXXX ) and XXXX ( XXXX ) dated XX/XX/XXXX. For your reference I have included a letter I wrote to the executive office on this matter dated XX/XX/XXXX and picked up at the Post Office on XX/XX/XXXX. Thus far I have not received a response which as a victim of fraud and longtime Citi customer I find incredibly frustrating. \n\nXXXX XXXX XXXX in my opinion is perpetrating a near perfect scam and Citis current handling of my dispute will allow it to continue to my detriment potentially other Citi customers. If consumers such as me are told the XXXX procedure will take 12 weeks to work, we must try and work things out with the merchant, and then denied our disputes claiming we only had 60 days to file its easy money for corrupt venders. To that end I have filed complaints with the NV Attorney General and Medical Licensing board due to violations of Federal and State laws prohibiting false advertising and deceptive business practices. \n\nDuring my call with XXXX ( XXXX ) she indicated that I in fact had 120 days to file the dispute and filed on the 91st day. But then went on to tell me the real reason my dispute was denied was that I received the service. XXXX did not seem to understand that my dispute was not one of if I received a service but the nature of fraud that surrounded my purchasing it and a lack demonstrated of clinical efficacy. When I was transferred to XXXX ( XXXX ) he indicated the time limit and not the services, but was concerned enough to escalate the matter. \n\n\nAs of yesterday XXXX XXXX XXXX website is still representing stock photos as real patients, ( see attached ). Under Federal Law advertising must tell the truth and not mislead consumers. In addition, claims must be substantiated. XXXX XXXX XXXX has both misled and not substantiated their claims. Testimonials and endorsements must reflect the typical experiences of consumers, unless the ad clearly and conspicuously states otherwise. A statement that not all consumers will get the same results is not enough to qualify a claim. Testimonials and endorsements can't be used to make a claim that the advertiser itself can not substantiate. My suspicion of fraud is solidified by the fact that Citi has received no response from the merchant proving their claims and refuting mine. \n\nWhen I explained my dispute to the Citi representative that took my initial claim he suggested I file with Goods and Services not as described or defective. As a cardholder I must meet the following : I engaged in the transaction. I am not disputing they did a procedure ; I am disputing because there has been no proof from the vendor they performed the procedure I paid for, it was performed correctly, or if it works at all. If there was any clinical merit to what they are selling why would they still present stock photos as actual patients? For that matter why are so many other vendors offering the same service employing the same subterfuge? \n\nI contacted the merchant and attempted to resolve the dispute. The XXXX procedure allegedly took up to 12 weeks to work. My resolution culminated with my calls not being returned and showing up to a locked office with the lights out for my final appointment. \n\nThe merchant refused to refund my money. \n\nPlus the following : The service was either not performed correctly or could not be used for the intended purpose. And the XXXX service did not conform to their false and deceptive advertising using stock photos claimed to be real patients. Under US common law as you know contracts become voidable when they are obtained using fraud and deceit. XXXX XXXX XXXX, XXXX  also finds himself in violation of the AMA Ethics Opinion. \nIn conclusion I am asking that Citi give a proper review to my dispute and not once again dismiss it without looking at the law and ethical violations that occurred in this transaction. \n\nAmerican Medical Association Code of Medical Ethics Opinion 9.6.1 Because the public can sometimes be deceived by the use of medical terms or illustrations that are difficult to understand, physicians should design the form of communication to communicate the information contained therein to the public in a readily comprehensible manner. Aggressive, high pressure advertising and publicity should be avoided if they create unjustified medical expectations or are accompanied by deceptive claims. The key issue, however, is whether advertising or publicity, regardless of format or content, is true and not materially misleading. \nNothing in this opinion is intended to discourage or to limit advertising and representations which are not false or deceptive within the meaning of Section 5 of the Federal Trade Commission Act. At the same time, however, physicians are advised that certain types of communications have a significant potential for deception and should therefore receive special attention. For example, testimonials of patients as to the physicians skill or the quality of the physicians professional services tend to be deceptive when they do not reflect the results that patients with conditions comparable to the testimoniants condition generally receive. \n\nObjective claims regarding experience, competence, and the quality of physicians and the services they provide may be made only if they are factually supportable. Similarly, generalized statements of satisfaction with a physicians services may be made if they are representative of the experiences of that physicians patients. \nBecause physicians have an ethical obligation to share medical advances, it is unlikely that a physician will have a truly exclusive or unique skill or remedy. Claims that imply such a skill or remedy therefore can be deceptive. Statements that a physician has an exclusive or unique skill or remedy in a particular geographic area, if true, however, are permissible. Similarly, a statement that a physician has cured or successfully treated a large number of cases involving a particular serious ailment is deceptive if it implies a certainty of result and creates unjustified and misleading expectations in prospective patients. \n\nConsistent with federal regulatory standards which apply to commercial advertising, a physician who is considering the placement of an advertisement or publicity release, whether in print, radio, or television, should determine in advance that the communication or message is explicitly and implicitly truthful and not misleading. These standards require the advertiser to have a reasonable basis for claims before they are used in advertising. The reasonable basis must be established by those facts known to the advertiser, and those which a reasonable, prudent advertiser should have discovered. Inclusion of the physicians name in advertising may help to assure that these guidelines are being met. \n\nhttps : XXXX","date_sent_to_company":"2020-07-08T15:30:20.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"89052","tags":null,"has_narrative":true,"complaint_id":"3735067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-07-08T14:41:51.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["In conclusion I am asking that Citi give a proper review to my <em>dispute</em> and not once again dismiss it <em>without</em> looking at the law and ethical violations that occurred in this transaction."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[14.414262,"3735067"]},{"_index":"complaint-public-v1","_id":"20398677","_score":14.1791525,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint because I am seriously concerned about how my disputes are currently being handled by Chime, and I believe the investigation process is inconsistent and potentially unfair. \n\nOn XX/XX/XXXX, I filed multiple disputes over the phone for transactions involving the same merchant and the same issue. I clearly explained that all transactions were part of one case involving unauthorized or misleading charges tied to false advertising. Despite this, Chime separated each transaction into individual disputes.\n\nI provided the same four supporting documents for every dispute. These documents include proof that the merchant acknowledged the issue and agreed to refund transactions from the last 14 days starting XX/XX/XXXX, when I requested account closure. \n\nChime has already approved several lower-dollar disputes ( primarily {$19.00} and under ) using these exact same documents. However, for higher-dollar transactions ( {$34.00} and above ), I was sent an email on XX/XX/XXXX requesting additional information and told those disputes are still under investigation. \n\nThis raises serious concerns : The same documentation was accepted for some disputes but not others All disputes involve the same merchant and same issue All disputes were filed at the same time There has been no clear explanation for the different outcomes I currently have over 20+ disputes still open, while others from the same case have already been approved. Customer service has not provided any meaningful explanation and continues to say that the investigation team determines outcomes, without addressing the inconsistency. \n\nBecause of this, I am worried that the remaining disputesespecially the higher-dollar onesare not being handled fairly or consistently.","date_sent_to_company":"2026-03-19T03:36:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"80247","tags":null,"has_narrative":true,"complaint_id":"20398677","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-03-19T03:25:13.000Z","state":"CO","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am submitting this complaint because I am seriously concerned about how my <em>disputes</em> are currently being handled by Chime, and I believe the investigation process is inconsistent and potentially unfair. \n\nOn XX/XX/XXXX, I filed multiple <em>disputes</em> over the phone for transactions involving the same merchant and the same issue. I clearly explained that all transactions were part of one case involving unauthorized or <em>misleading</em> charges tied to false <em>advertising</em>."]},"sort":[14.1791525,"20398677"]},{"_index":"complaint-public-v1","_id":"12285348","_score":14.175139,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Response to TransUnion Case Number : XXXX Consumer : XXXX XXXX Date : XX/XX/XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX Subject : TransUnions Continued Violations, Re-Reporting of Deleted Alleged Late Payments, and Consumer Law Violations To Whom It May Concern, I am formally escalating my complaint against TransUnion for their failure to remove all disputed items that still remain, their unlawful re-reporting of previously deleted alleged late payments, and their violations of federal and state consumer protection laws. Their actions have caused me actual damages, including credit denials, increased financial burdens, and additional harm identified in my previous complaints as well as newly relevant damages.\n\n1. Additional Consumer Law Violations for Alleged Late Payments A. Reporting Alleged Late Payments Constitutes Unauthorized Advertising Credit reporting is not just a record-keeping toolit is a form of advertising consumer financial transactions to lenders, insurers, employers, and other third parties. When alleged late payments are reported : They influence lending decisions, affecting credit approvals, interest rates, and financial terms.\n\nThey are viewed by third parties without consumer consent.\n\nThey financially harm consumers, even if the information is false, inaccurate, or disputed.\n\nSince TransUnion profits from selling consumer credit data, they are commercializing and advertising my private financial experiences without my consent. This constitutes a violation of consumer privacy laws and advertising regulations.\n\nB. Violations of Federal and State Consumer Protection Laws Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\n1681b Unauthorized Disclosure : Credit bureaus can not furnish a credit report to third parties without a permissible purpose.\n\n1681i ( a ) ( 5 ) ( B ) Prohibition on Re-Reporting Deleted Information : Credit bureaus can not reinsert previously deleted information.\n\n1681s-2 ( a ) ( 1 ) Duty to Report Accurate Information : Credit bureaus must not report false or misleading credit data, including unverified alleged late payments.\n\nFair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e Prohibits False or Misleading Credit Reporting : Reporting alleged late payments to pressure a consumer into paying disputed debts is a deceptive practice.\n\nCredit bureaus must not misrepresent financial transactions or experiences to third parties.\n\nGramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6827 6801 Financial Privacy : Credit bureaus must protect consumer data from unauthorized disclosure.\n\nReporting alleged late payments is a public disclosure of financial transactions without consumer consent. \nNew York SHIELD Act ( XXXX XXXX XXXX XXXX XXXX ) Prohibits unauthorized disclosure of financial data for NY residents.\n\n\nRequires companies to implement safeguards to prevent unlawful reporting of financial data. 2. Accounts and Items That Still Remain to Be Removed The following inaccurate, fraudulent, and unauthorized accounts must be permanently removed : XXXX XXXX XXXX XXXX Previously deleted alleged late payments were re-reported, violating FCRA. \nXXXX XXXX XXXX Previously deleted alleged late payments were re-reported, violating FCRA. \nXXXX XXXX XXXX XXXX  ( Charge-Off Account ) Wrongfully verified. I demand full documentation of the charge-off or immediate deletion. \nXXXX XXXX XXXX  Wrongfully verified. I demand full documentation or immediate deletion. \nXXXX XXXX XXXXXXXX XXXX XXXX ( Public Record ) Must be deleted. \nAll Remaining Disputed Inquiries and Addresses 3. Violations That Have Caused Me Actual Damages As a direct result of TransUnion 's misconduct, I have suffered actual damages, including : Credit denials due to false reporting.\n\nIncreased financial burdens due to higher interest rates.\n\nHarm to creditworthiness and consumer trust.\n\nEmotional distress and undue hardship caused by willful non-compliance.\n\n4. Relevant Case Law Supporting My Claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX. XXXX ) Credit bureaus must conduct reasonable investigations and can not rely solely on furnishers ' automated verifications. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Credit bureaus must ensure the accuracy of\n\nreported information. Harming consumers with false information is a violation of federal law. 5. Immediate Demands for Action Permanently delete all remaining disputed accounts, inquiries, and public records listed above.\n\nImmediately delete the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  alleged late payments, as they were illegally reinserted.\n\nProvide full documentation for any verified accounts, including signed agreements and proof of ownership.\n\nCease and desist from further reporting or advertising my personal financial data without my explicit authorization.\n\nIf TransUnion fails to comply, I will escalate this matter to the New York Attorney General, the Federal Trade Commission ( FTC ), and additional legal action. I expect compliance within 15 days, as required under the FCRA.\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX","date_sent_to_company":"2025-03-02T10:08:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11434","tags":null,"has_narrative":true,"complaint_id":"12285348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-02T09:48:22.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["They financially harm consumers, even if the information is false, inaccurate, or <em>disputed</em>.\n\nSince TransUnion profits from selling consumer credit data, they are commercializing and <em>advertising</em> my private financial experiences <em>without</em> my consent. This constitutes a violation of consumer privacy laws and <em>advertising</em> regulations.\n\nB."]},"sort":[14.175139,"12285348"]},{"_index":"complaint-public-v1","_id":"14311170","_score":13.595846,"_source":{"product":"Credit card","complaint_what_happened":"I am reaching out as a last resort to seek assistance in resolving an issue with a recent online purchase. On XX/XX/XXXX, I ordered several items from an unknown vendor and chose to use XXXX for the transaction, trusting that their consumer protection policy would cover any issues that might arise. The initial invoice I received confirmed that the total was {$15000.00} but I was actually charged {$180.00} I immediately contacted XXXX to dispute the difference, but the case was decided in favor of the vendor even after I send proof of invoice. Over the following month, I still did not receive my full order. Only a month later, one out of the four items arrived, and its quality did not match the description. Despite multiple attempts to resolve the matter with XXXX, the situation remained unresolved, and XXXX consistently ruled in favor of the vendor, leaving me without the protection I had anticipated. \n\nEventually, I turned to my bank to dispute the charge, and they are currently handling the case. However, XXXX is still attempting to collect the amount from me, which I find deeply concerning given the lack of resolution and the misleading nature of the vendor. \n\nI am seeking your support in addressing this issue, as it involves false advertising and a failure to protect the consumer. \n\nThank you for your time and attention to this matter. I look forward to your assistance. \n\n\n\" XXXX 's Buyer Protection program helps buyers get reimbursed for eligible purchases if they don't receive an item or if it's significantly different than described. This includes a full refund for the purchase price and original shipping costs. To qualify, buyers need to file a dispute within 180 days of the purchase date and maintain a good standing XXXX account '' Sincerely, XXXX","date_sent_to_company":"2025-06-26T22:49:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"07109","tags":null,"has_narrative":true,"complaint_id":"14311170","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-06-26T22:05:46.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Despite multiple attempts to resolve the matter with XXXX, the situation remained unresolved, and XXXX consistently ruled in favor of the vendor, leaving me <em>without</em> the protection I had anticipated. \n\nEventually, I turned to my bank to <em>dispute</em> the charge, and they are currently handling the case. However, XXXX is still attempting to collect the amount from me, which I find deeply concerning given the lack of resolution and the <em>misleading</em> nature of the vendor."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.595846,"14311170"]},{"_index":"complaint-public-v1","_id":"10709201","_score":13.525392,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Formal Dispute of Credit Denial and Demand for Issuance of Credit Pursuant to Equity Jurisprudence, Federal Reserve Operating Circular 6, Title 15 U.S.C., and GAAP Principles 1. Legal Basis and Context Date of Credit Extension : XX/XX/XXXX Purpose of Extension : As the original creditor/private investor, I extended credits to your institution for the applicant/principal consumer based solely on the information provided in the credit application. This action was in strict compliance with 15 U.S.C. 1681a, which mandates that creditworthiness be determined exclusively based on the application data when making a firm offer of credit. \nOn XX/XX/XXXX, I received a notification from your institution that the credit application was denied based on the consumers credit report rather than the information provided in the application itself. This decision constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) and contradicts the agreed terms for evaluating credit. \nSpecific Violations : 15 U.S.C. 1681n : Your institution is liable for willful noncompliance with the FCRA by failing to adhere to the statutory requirements for determining creditworthiness. \n15 U.S.C. 1681o : Additionally, your actions demonstrate negligent noncompliance, as the denial was based on improper criteria not agreed upon in the original contract. \n2. Federal Reserve Circular 6 Compliance Requirement for Immediate Transfer of Funds : According to Federal Reserve Operating Circular 6, upon approval of credit, the associated funds must be promptly transferred and made available to the applicant. The principle of settlement finality outlined in this circular ensures that once a transaction is approved, it must be completed without undue delay. \nYour refusal to disburse the credit after its approval not only breaches this principle but also undermines the trust that forms the foundation of financial transactions. \nSpecific Procedural Failure : The delay in transferring the approved credit funds violates the operational standards established by the Federal Reserve, raising questions about your institutions compliance with its fiduciary duties. \n3. Misleading Advertising and Downpayment Requirements ( 15 U.S.C. 1662 ) Transparency and Consistency in Advertising : 15 U.S.C. 1662 governs the advertising and communication of downpayment requirements in credit transactions. Creditors must not advertise or imply that a specific downpayment is required unless this is a customary practice of the creditor. Misleading the applicant with inconsistent downpayment requirements violates federal regulations. \nImpact on Denial of Credit : If your institution denied credit based on a downpayment requirement that was not clearly advertised or is not a usual practice, this denial is inconsistent with federal regulations and could be challenged as misleading and unlawful. \n4. Application of Generally Accepted Accounting Principles ( GAAP ) Fair Presentation and Consistency : GAAP requires that all financial transactions, including the issuance and management of credit, be recorded and reported accurately and transparently. The arbitrary denial of credit without proper justification is inconsistent with GAAP principles of fair presentation and transparency. \nDiscrepancies in Credit Issuance : Any inconsistencies in how credit applications are assessed or how decisions are communicated must be documented and justified under GAAP. Your failure to do so indicates a breach of standard accounting practices, further supporting the claim of negligence. \n5. Responsibility to Create a Credit Plan Based on Ability to Pay Equity Jurisprudence : In line with established principles of equity, the extension of credit should not be denied outright if the applicant demonstrates an ability to repay. Instead, a credit plan should be formulated based on the applicants financial situation. Denying credit without offering a structured repayment plan is not only inequitable but also contrary to the spirit of fair financial practices. \nLegal Precedent : Creditors are required to assess an applicants ability to repay and offer a credit arrangement that reflects their financial capacity. Failure to provide such an arrangement, especially when the applicant has demonstrated the ability to meet their obligations, constitutes a breach of fiduciary duty and equitable principles. \n6. Equitable Relief and Restoration of Trust Demand for Immediate Action : Reconsideration and Issuance of Credit : I request a thorough review of the decision to deny credit, ensuring compliance with all relevant laws, regulations, and accounting principles. If my application meets the standard criteria for creditworthiness, the credit must be extended without further delay, and a suitable credit plan should be offered. \nRestoration of Trust : Your institution must take immediate steps to restore trust in this financial transaction by fully complying with federal regulations, including the proper issuance of credit as dictated by Federal Reserve Circular 6 and Title 15 U.S.C. \nCompensation for Damages : I seek compensation for the damages caused by your negligent actions, totaling {$100000.00}, in addition to {$10000.00} for the time, labor, and resources expended in addressing this adverse action. \n7. Notice of Further Action Failure to address this issue in a fair, equitable, and lawful manner may compel me to seek further remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal action under Title 15 U.S.C., and seeking injunctive relief to enforce compliance with my rights under federal law. \n\n15 ucs 1611 Expected Response : I expect to receive your response within 14 days from the date of this letter. Please address your response to the contact details provided above.","date_sent_to_company":"2024-11-06T21:54:35.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"11003","tags":null,"has_narrative":true,"complaint_id":"10709201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-11-06T21:40:26.000Z","state":"NY","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["<em>Misleading</em> <em>Advertising</em> and Downpayment Requirements ( 15 U.S.C. 1662 ) Transparency and Consistency in <em>Advertising</em> : 15 U.S.C. 1662 governs the <em>advertising</em> and communication of downpayment requirements in credit transactions. Creditors must not advertise or imply that a specific downpayment is required unless this is a customary practice of the creditor. <em>Misleading</em> the applicant with inconsistent downpayment requirements violates federal regulations."]},"sort":[13.525392,"10709201"]},{"_index":"complaint-public-v1","_id":"19616671","_score":12.938108,"_source":{"product":"Credit card","complaint_what_happened":"Dear PayPal credit ( Synchrony bank ), I am writing to formally object to PayPals handling of a clear and documented scam transaction that occurred on XX/XX/XXXX, and to put PayPal on notice of escalation due to repeated and unjustified denial of my dispute. XXXX ID : XXXX On XX/XX/XXXX, I was contacted via XXXX by an individual offering a professional resume review service. That individual referred me to a seller on XXXX, where I made a payment of {$56.00} USD using PayPal credit for the service. After payment was made The XXXX seller cancelled the order. No service was delivered. The XXXX individual who initiated contact disappeared entirely. The XXXX sellers account appears to be a recently created account, registered from XXXX, using a stolen or misleading profile image of a XXXX XXXX while advertising fixing XXXX resumes a combination that clearly raises red flags and strongly indicates fraudulent intent. I submitted all available and relevant evidence to PayPal credit via mail, including transaction details, screenshots, and communication records. Despite this, PayPal credit denied my dispute, without Providing a clear or meaningful reason, Requesting additional information, Or making any attempt to contact me for clarification or follow-up. This handling is unacceptable and represents a serious failure of Synchrony bank customer protection and dispute resolution obligations. A denial without explanation or investigation in a case with multiple obvious indicators of fraud is not only negligent but undermines trust in PayPal credit platform and policies. As a result of PayPals inaction, I have filed a complaint with CFPB. That step is the last resort before taking legal action against PayPal for failure to provide reasonable consumer protection and due process. While the disputed amount is {$56.00}, the principle is not the amount but the precedent. I am fully prepared to pursue legal remedies even if the cost exceeds the disputed sum. I am requesting immediate reconsideration of this dispute by a qualified reviewer, along with a written explanation of the prior denials. Failure to address this matter promptly will leave me no choice but to proceed with further legal and regulatory escalation. Please treat this correspondence with the seriousness it warrants. Sincerely, XXXX XXXX","date_sent_to_company":"2026-02-19T11:35:19.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"226XX","tags":null,"has_narrative":true,"complaint_id":"19616671","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-02-19T11:10:58.000Z","state":"VA","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":["Despite this, PayPal credit denied my <em>dispute</em>, <em>without</em> Providing a clear or meaningful reason, Requesting additional information, Or making any attempt to contact me for clarification or follow-up. This handling is unacceptable and represents a serious failure of Synchrony bank customer protection and <em>dispute</em> resolution obligations."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.938108,"19616671"]},{"_index":"complaint-public-v1","_id":"18843372","_score":12.772061,"_source":{"product":"Credit card","complaint_what_happened":"Dear PayPal Disputes and Resolution Team, I am writing to formally object to PayPals handling of a clear and documented scam transaction that occurred on XX/XX/XXXX, and to put PayPal on notice of escalation due to repeated and unjustified denial of my dispute. \n\nDispute Case ID XXXX On XX/XX/XXXX, I was contacted via XXXX by an individual offering a professional resume review service. That individual referred me to a seller on XXXX, where I made a payment of {$56.00} USD using PayPal for the service. \n\nAfter payment was made : XXXX XXXX XXXX seller cancelled the order. \n* No service was delivered. \n* The XXXX individual who initiated contact disappeared entirely. \n* The XXXX sellers account appears to be a recently created account, registered from XXXX, using a stolen or misleading profile image of a white woman, while advertising fixing American resumes a combination that clearly raises red flags and strongly indicates fraudulent intent. \n\nI submitted all available and relevant evidence to PayPal, including transaction details, screenshots, and communication records. Despite this, PayPal denied my dispute twice, without : * Providing a clear or meaningful reason, * Requesting additional information, * Or making any attempt to contact me for clarification or follow-up. \n\nThis handling is unacceptable and represents a serious failure of PayPals buyer protection and dispute resolution obligations. A denial without explanation or investigation in a case with multiple obvious indicators of fraud is not only negligent but undermines trust in PayPals platform and policies. \n\nAs a result of PayPals inaction, I have taken the following steps : * Opened a dispute with XXXX XXXX  ( PayPal XXXX  ), * Opened a support ticket with XXXX as a final attempt to resolve the matter, * Opened a complaint with CFPB. \n\nThese steps are the last resort before taking legal action against PayPal for failure to provide reasonable consumer protection and due process. \n\nWhile the disputed amount is {$56.00}, the principle is not the amount but the precedent. I am fully prepared to pursue legal remedies even if the cost exceeds the disputed sum. \n\nI am requesting immediate reconsideration of this dispute by a qualified reviewer, along with a written explanation of the prior denials. Failure to address this matter promptly will leave me no choice but to proceed with further legal and regulatory escalation. \n\nPlease treat this correspondence with the seriousness it warrants. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-19T23:14:29.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"226XX","tags":null,"has_narrative":true,"complaint_id":"18843372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-01-19T22:37:45.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["* The XXXX sellers account appears to be a recently created account, registered from XXXX, using a stolen or <em>misleading</em> profile image of a white woman, while <em>advertising</em> fixing American resumes a combination that clearly raises red flags and strongly indicates fraudulent intent. \n\nI submitted all available and relevant evidence to PayPal, including transaction details, screenshots, and communication records."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.772061,"18843372"]},{"_index":"complaint-public-v1","_id":"11798465","_score":12.737078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX Dispute XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Demand for Compliance with Federal and State Laws Regarding Credit Report Accuracy and Consumer Rights Dear XXXX, TransUnion, and XXXX, I am writing to address the ongoing violations of my rights as a consumer under federal and XXXX  XXXX laws, as well as to highlight your continued failure to address systemic issues documented by the Consumer Financial Protection Bureau ( CFPB ) in its lawsuit against your agencies. Your neglect in properly conducting investigations and ensuring accurate credit reporting has been documented in several submissions I have made since XX/XX/XXXX, yet no corrective action has been taken. \n\nOngoing Violations and CFPB Lawsuit The CFPB is currently suing your agencies for the very issues I have experienced, including : Falsely conducting investigations or failing to conduct them at all. \nAccepting creditors unverified claims over evidence provided by consumers. \nFailing to remove inaccurate, closed, charged-off, or identity-theft-related items from credit reports. \nRemoving disputed items temporarily and then re-adding them without justification. \nThese practices directly violate : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Failing to conduct reasonable reinvestigations of disputes and refusing to delete unverifiable data.\n\n15 U.S.C. 1681e ( b ) : Neglecting to ensure the maximum possible accuracy of credit reports. \n15 U.S.C. 1681c-2 : Failing to block fraudulent information related to identity theft.\n\n15 U.S.C. 1681n and 1681o : Willfully and negligently failing to comply with FCRA requirements. \nConsumer Financial Protection Act ( CFPA ) : Engaging in unfair and deceptive practices that harm consumers.\n\nMaryland Consumer Protection Act : Misleading and deceiving consumers through false advertising and failure to provide accurate services. \n\nNegative Impacts on My Livelihood Your actions have caused severe harm to my financial stability and livelihood, including : Denying access to loans, housing, and financial services due to incorrect credit reporting. \nForcing me to pay for \" premium '' services to access accurate credit reports while advertising \" free '' reports that are outdated and misleading. \nProlonging financial harm and stress as a victim of identity theft by failing to address fraudulent accounts. \nDiscriminating against me by placing undue burden and financial disadvantage on a consumer attempting to resolve credit issues. \nThese actions have unjustly prevented me from securing essential funding, placed additional financial strain on me, and undermined my trust in your agencies. \n\nDocumented Submissions and Lack of Action Despite multiple submissions to the CFPB, including detailed evidence of inaccuracies and fraud, your agencies have consistently failed to address or resolve my disputes. Your systemic inaction has been well-documented and aligns with the CFPBs findings in its lawsuit.I am writing to formally request the removal of certain inaccurate and outdated information from my consumer credit report. Several accounts and inquiries currently reported on my credit file are incorrect, settled, or unauthorized, and I am seeking prompt rectification. I also request the removal of all personal information related to identity theft, including addresses and inquiries made without my consent. \n\nClosed and Settled Accounts : The following accounts are marked as closed and settled. They should no longer appear on my credit report as they no longer reflect my current credit status : XXXX XXXX XXXX ( Account : XXXX ) XXXX XXXX XXXXXXXX ( Account : XXXX ) XXXX/XXXX  ( Account : XXXX ) XXXX ( Account : XXXX ) XXXX XXXX/XXXX  ( Account : XXXX ) XXXX XXXX  XXXX  ( Account : XXXX ) XXXX XXXX XXXX Account : XXXX ) These accounts have been settled, and their balances reflect XXXX ( {$0.00} ). According to consumer protection laws, once an account is settled, it should no longer be reported on my credit file as an open, active, or outstanding account. Keeping these accounts active and reporting incorrect information is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). \n\nAddresses Associated with Identity Theft : Additionally, I request that the following addresses be permanently removed from my credit file as they are linked to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX, MD, XXXX ( Address ID # XXXX ) These addresses are not associated with me, and their continued presence on my file is a clear indication of fraudulent activity. \n\nUnauthorized Hard and Soft Inquiries : Furthermore, I have identified several hard and soft inquiries made without my consent or knowledge. As these inquiries were unauthorized, they must be removed immediately. The following inquiries should be removed from my consumer report : XXXX XXXXXXXX XXXX XXXX via XXXX  ( Inquired on XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX  XXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX  ( Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Inquired on XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX  XXXX ( Inquired on XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX on XX/XX/XXXX ) XXXX XXXX ( Numerous inquiries between XX/XX/XXXX and XX/XX/XXXX ) XXXX ( Numerous inquiries from XX/XX/XXXX through XX/XX/XXXX ) All of these inquiries were made without my explicit consent, and I request that they be deleted from my report in accordance with the FCRA. \n\nConclusion : The continued reporting of these inaccurate accounts, fraudulent addresses, and unauthorized inquiries not only violates my rights under the Fair Credit Reporting Act but also presents an unfair and misleading picture of my financial status. I respectfully ask that all the inaccurate information listed above be removed from my consumer credit file immediately. \n\nPlease provide written confirmation that these corrections have been made and ensure that my credit file reflects only truthful and up-to-date information. \n\nIf you require any further documentation or information to process this request, please do not hesitate to contact me. I look forward to your prompt attention to this matter and a resolution within the legal time frame set forth by the Fair Credit Reporting Act. \n\nDemands for Immediate Action I demand the following : Resolution of Disputes : Conduct a full, transparent reinvestigation of my disputes and remove all inaccurate, unverifiable, or fraudulent entries.\n\nAdherence to Laws : Comply with FCRA requirements by ensuring accurate reporting and timely resolution of disputes.\n\nTransparency in Reporting : Provide accurate and up-to-date credit reports without requiring payment for services advertised as free.\n\nAccountability for Harm : Address the financial and emotional harm caused by your negligence and discrimination, including compensation for additional fees incurred. \nYour repeated violations are not only unlawful but have caused significant harm to me and many others. If you fail to act, I will escalate this matter further through complaints to the CFPB, FTC, XXXX XXXX XXXXXXXX XXXX, and, if necessary, pursue legal action","date_sent_to_company":"2025-01-27T23:00:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21234","tags":null,"has_narrative":true,"complaint_id":"11798465","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-27T23:00:33.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Removing <em>disputed</em> items temporarily and then re-adding them <em>without</em> justification."]},"sort":[12.737078,"11798465"]},{"_index":"complaint-public-v1","_id":"11798248","_score":12.737078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Experian Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Demand for Compliance with Federal and State Laws Regarding Credit Report Accuracy and Consumer Rights Dear Experian, XXXX, and XXXX, I am writing to address the ongoing violations of my rights as a consumer under federal and XXXX  XXXX laws, as well as to highlight your continued failure to address systemic issues documented by the Consumer Financial Protection Bureau ( CFPB ) in its lawsuit against your agencies. Your neglect in properly conducting investigations and ensuring accurate credit reporting has been documented in several submissions I have made since XX/XX/XXXX, yet no corrective action has been taken. \n\nOngoing Violations and CFPB Lawsuit The CFPB is currently suing your agencies for the very issues I have experienced, including : Falsely conducting investigations or failing to conduct them at all. \nAccepting creditors unverified claims over evidence provided by consumers. \nFailing to remove inaccurate, closed, charged-off, or identity-theft-related items from credit reports. \nRemoving disputed items temporarily and then re-adding them without justification. \nThese practices directly violate : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Failing to conduct reasonable reinvestigations of disputes and refusing to delete unverifiable data.\n\n15 U.S.C. 1681e ( b ) : Neglecting to ensure the maximum possible accuracy of credit reports.\n\n15 U.S.C. 1681c-2 : Failing to block fraudulent information related to identity theft.\n\n15 U.S.C. 1681n and 1681o : Willfully and negligently failing to comply with FCRA requirements.\n\nConsumer Financial Protection Act ( CFPA ) : Engaging in unfair and deceptive practices that harm consumers.\n\nMaryland Consumer Protection Act : Misleading and deceiving consumers through false advertising and failure to provide accurate services. \n\nNegative Impacts on My Livelihood Your actions have caused severe harm to my financial stability and livelihood, including : Denying access to loans, housing, and financial services due to incorrect credit reporting. \nForcing me to pay for \" premium '' services to access accurate credit reports while advertising \" free '' reports that are outdated and misleading. \nProlonging financial harm and stress as a victim of identity theft by failing to address fraudulent accounts. \nDiscriminating against me by placing undue burden and financial disadvantage on a consumer attempting to resolve credit issues. \nThese actions have unjustly prevented me from securing essential funding, placed additional financial strain on me, and undermined my trust in your agencies. \n\nDocumented Submissions and Lack of Action Despite multiple submissions to the CFPB, including detailed evidence of inaccuracies and fraud, your agencies have consistently failed to address or resolve my disputes. Your systemic inaction has been well-documented and aligns with the CFPBs findings in its lawsuit.I am writing to formally request the removal of certain inaccurate and outdated information from my consumer credit report. Several accounts and inquiries currently reported on my credit file are incorrect, settled, or unauthorized, and I am seeking prompt rectification. I also request the removal of all personal information related to identity theft, including addresses and inquiries made without my consent.\n\nClosed and Settled Accounts : The following accounts are marked as closed and settled. They should no longer appear on my credit report as they no longer reflect my current credit status : XXXX XXXX XXXX ( Account : XXXX ) DEPT OF EDUCATIONXXXX ( Account : XXXX ) XXXX ( Account : XXXX ) XXXX ( Account : XXXX ) XXXX XXXX ( Account : XXXX ) XXXXXXXX XXXX XXXX ( Account : XXXX ) XXXX XXXX XXXX Account : XXXX ) These accounts have been settled, and their balances reflect XXXX ( {$0.00} ). According to consumer protection laws, once an account is settled, it should no longer be reported on my credit file as an open, active, or outstanding account. Keeping these accounts active and reporting incorrect information is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). \n\nAddresses Associated with Identity Theft : Additionally, I request that the following addresses be permanently removed from my credit file as they are linked to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Address ID # XXXX ) These addresses are not associated with me, and their continued presence on my file is a clear indication of fraudulent activity. \n\nUnauthorized Hard and Soft Inquiries : Furthermore, I have identified several hard and soft inquiries made without my consent or knowledge. As these inquiries were unauthorized, they must be removed immediately. The following inquiries should be removed from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries were made without my explicit consent, and I request that they be deleted from my report in accordance with the FCRA. \n\nConclusion : The continued reporting of these inaccurate accounts, fraudulent addresses, and unauthorized inquiries not only violates my rights under the Fair Credit Reporting Act but also presents an unfair and misleading picture of my financial status. I respectfully ask that all the inaccurate information listed above be removed from my consumer credit file immediately. \n\nPlease provide written confirmation that these corrections have been made and ensure that my credit file reflects only truthful and up-to-date information. \n\nIf you require any further documentation or information to process this request, please do not hesitate to contact me. I look forward to your prompt attention to this matter and a resolution within the legal time frame set forth by the Fair Credit Reporting Act. \n\nDemands for Immediate Action I demand the following : Resolution of Disputes : Conduct a full, transparent reinvestigation of my disputes and remove all inaccurate, unverifiable, or fraudulent entries.\n\nAdherence to Laws : Comply with FCRA requirements by ensuring accurate reporting and timely resolution of disputes.\n\nTransparency in Reporting : Provide accurate and up-to-date credit reports without requiring payment for services advertised as free.\n\nAccountability for Harm : Address the financial and emotional harm caused by your negligence and discrimination, including compensation for additional fees incurred. \nYour repeated violations are not only unlawful but have caused significant harm to me and many others. If you fail to act, I will escalate this matter further through complaints to the CFPB, FTC, XXXX  Attorney Generals Office, and, if necessary, pursue legal action","date_sent_to_company":"2025-01-27T23:00:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21234","tags":null,"has_narrative":true,"complaint_id":"11798248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-27T22:51:34.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Removing <em>disputed</em> items temporarily and then re-adding them <em>without</em> justification."]},"sort":[12.737078,"11798248"]},{"_index":"complaint-public-v1","_id":"11798524","_score":12.638763,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Demand for Compliance with Federal and State Laws Regarding Credit Report Accuracy and Consumer Rights Dear XXXX, XXXX, and Equifax, I am writing to address the ongoing violations of my rights as a consumer under federal and Maryland XXXX laws, as well as to highlight your continued failure to address systemic issues documented by the Consumer Financial Protection Bureau ( CFPB ) in its lawsuit against your agencies. Your neglect in properly conducting investigations and ensuring accurate credit reporting has been documented in several submissions I have made since XX/XX/XXXX, yet no corrective action has been taken. \n\nOngoing Violations and CFPB Lawsuit The CFPB is currently suing your agencies for the very issues I have experienced, including : Falsely conducting investigations or failing to conduct them at all. \nAccepting creditors unverified claims over evidence provided by consumers. \nFailing to remove inaccurate, closed, charged-off, or identity-theft-related items from credit reports. \nRemoving disputed items temporarily and then re-adding them without justification. \nThese practices directly violate : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Failing to conduct reasonable reinvestigations of disputes and refusing to delete unverifiable data.\n\n15 U.S.C. 1681e ( b ) : Neglecting to ensure the maximum possible accuracy of credit reports.\n\n15 U.S.C. 1681c-2 : Failing to block fraudulent information related to identity theft.\n\n15 U.S.C. 1681n and 1681o : Willfully and negligently failing to comply with FCRA requirements.\n\nConsumer Financial Protection Act ( CFPA ) : Engaging in unfair and deceptive practices that harm consumers.\n\nMaryland Consumer Protection Act : Misleading and deceiving consumers through false advertising and failure to provide accurate services. \n\nNegative Impacts on My Livelihood Your actions have caused severe harm to my financial stability and livelihood, including : Denying access to loans, housing, and financial services due to incorrect credit reporting. \nForcing me to pay for \" premium '' services to access accurate credit reports while advertising \" free '' reports that are outdated and misleading. \nProlonging financial harm and stress as a victim of identity theft by failing to address fraudulent accounts. \nDiscriminating against me by placing undue burden and financial disadvantage on a consumer attempting to resolve credit issues. \nThese actions have unjustly prevented me from securing essential funding, placed additional financial strain on me, and undermined my trust in your agencies. \n\nDocumented Submissions and Lack of Action Despite multiple submissions to the CFPB, including detailed evidence of inaccuracies and fraud, your agencies have consistently failed to address or resolve my disputes. Your systemic inaction has been well-documented and aligns with the CFPBs findings in its lawsuit.I am writing to formally request the removal of certain inaccurate and outdated information from my consumer credit report. Several accounts and inquiries currently reported on my credit file are incorrect, settled, or unauthorized, and I am seeking prompt rectification. I also request the removal of all personal information related to identity theft, including addresses and inquiries made without my consent. \n\nXXXX and XXXX Accounts : The following accounts are marked as closed and settled. They should no longer appear on my credit report as they no longer reflect my current credit status : XXXX XXXX XXXX ( Account : XXXX ) XXXX XXXX XXXXXXXX ( Account : XXXX ) XXXX  ( Account : XXXX ) XXXX ( Account : XXXX ) XXXX XXXX ( Account : XXXX ) XXXX XXXX XXXX ( Account : XXXX ) XXXX XXXX XXXX Account : XXXX ) These accounts have been settled, and their balances reflect XXXX ( {$0.00} ). According to consumer protection laws, once an account is settled, it should no longer be reported on my credit file as an open, active, or outstanding account. Keeping these accounts active and reporting incorrect information is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). \n\nAddresses Associated with Identity Theft : Additionally, I request that the following addresses be permanently removed from my credit file as they are linked to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX, MD, XXXX ( Address ID # XXXX ) These addresses are not associated with me, and their continued presence on my file is a clear indication of fraudulent activity. \n\nUnauthorized XXXX and XXXX Inquiries : Furthermore, I have identified several hard and soft inquiries made without my consent or knowledge. As these inquiries were unauthorized, they must be removed immediately. The following inquiries should be removed from my consumer report : XXXX XXXX Auto Finance via Dealer ( Inquired on XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on XX/XX/XXXX ) XXXX/XXXX  XXXX  XXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX ( Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX NA ( Inquired on XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX on XX/XX/XXXX ) XXXX XXXX ( Numerous inquiries between XX/XX/XXXX and XX/XX/XXXX ) XXXX ( Numerous inquiries from XX/XX/XXXX through XX/XX/XXXX ) All of these inquiries were made without my explicit consent, and I request that they be deleted from my report in accordance with the FCRA. \n\nConclusion : The continued reporting of these inaccurate accounts, fraudulent addresses, and unauthorized inquiries not only violates my rights under the Fair Credit Reporting Act but also presents an unfair and misleading picture of my financial status. I respectfully ask that all the inaccurate information listed above be removed from my consumer credit file immediately. \n\nPlease provide written confirmation that these corrections have been made and ensure that my credit file reflects only truthful and up-to-date information. \n\nIf you require any further documentation or information to process this request, please do not hesitate to contact me. I look forward to your prompt attention to this matter and a resolution within the legal time frame set forth by the Fair Credit Reporting Act. \n\nDemands for Immediate Action I demand the following : Resolution of Disputes : Conduct a full, transparent reinvestigation of my disputes and remove all inaccurate, unverifiable, or fraudulent entries.\n\nAdherence to Laws : Comply with FCRA requirements by ensuring accurate reporting and timely resolution of disputes.\n\nTransparency in Reporting : Provide accurate and up-to-date credit reports without requiring payment for services advertised as free. \nAccountability for XXXX : Address the financial and emotional harm caused by your negligence and discrimination, including compensation for additional fees incurred. \nYour repeated violations are not only unlawful but have caused significant harm to me and many others. If you fail to act, I will escalate this matter further through complaints to the CFPB, FTC, Maryland XXXX  XXXX XXXX, and, if necessary, pursue legal action","date_sent_to_company":"2025-01-27T23:00:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21234","tags":null,"has_narrative":true,"complaint_id":"11798524","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-27T23:00:33.000Z","state":"MD","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Removing <em>disputed</em> items temporarily and then re-adding them <em>without</em> justification."]},"sort":[12.638763,"11798524"]},{"_index":"complaint-public-v1","_id":"14348025","_score":12.552909,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date : XX/XX/XXXX To : Concora Credit Inc. \nXXXX XXXX XXXX XXXX, OR XXXX RE : Formal Demand for Removal of Inaccurate Credit Reporting and Damages FCRA, FTC, and Consumer Protection Violations Regarding : Milestone Mastercard Account ending in XXXX Complaint ID : XXXX To Whom It May Concern : I am writing to issue a formal demand for immediate corrective action and monetary compensation related to multiple violations of the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission Act ( FTC Act ), and relevant case law regarding the Milestone Mastercard account issued by Concora Credit Inc .\n\nThis letter serves as official notice that your company is in willful noncompliance with several federal consumer protection laws and I am asserting my rights accordingly. \n\n\nSummary of Violations and Supporting Facts 1. False or Misleading Advertising Deceptive Trade Practice I applied for this credit card via XXXX XXXX, which explicitly promoted this offer as a \" higher limit '' credit card product. \n\nUpon approval, I was later informed the limit was only {$500.00}, an amount not consistent with the advertised benefit. \n\nI did not receive this limit information until 24 hours later, after account creationnot during the application process. \n\nThis constitutes a material misrepresentation, which induced me into a contract under false pretenses. \n\n\n> Violation : Section 5 of the FTC Act Prohibits unfair or deceptive acts in commerce. \nCase Precedent : FTC XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Deceptive marketing that induces financial harm is actionable. \n\n2. Unlawful Reporting of Inaccurate Information FCRA 1681s-2 ( a ) Despite my timely dispute, you reported this account and its related hard inquiry to the credit bureaus. \n\nYou have refused to remove this inquiry, even though the account was cancelled before receipt or activation, and was applied for under misleading conditions. \n\n\nXXXX Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information with actual knowledge of errors. \nCase Precedent : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Furnishers who report inaccurate info after being informed are liable. \n\n\nXXXX. Failure to Conduct a Reasonable Investigation FCRA 1681s-2 ( b ) Following my CFPB complaint, your response dismissed the issue without fully reviewing the basis of my dispute. \n\nYou ignored my claim regarding false advertising, failed to investigate marketing materials from XXXX XXXX, and wrongfully upheld the inquiry reporting. \n\nYour investigation was superficial and inadequate. \n\n\nViolation : FCRA 623 ( b ) Requires a reasonable investigation after notice of a dispute. \nCase Precedent : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Failure to investigate after dispute leads to liability. \n\n\nDamages Demanded Pursuant to FCRA 1681n and 1681o, I am seeking the maximum statutory damages for each willful and negligent violation : Violation Statutory Reference Amount per Violation False advertising FTC Act 5 {$1000.00} ( est. ) Reporting inaccurate info FCRA 1681s-2 ( a ) {$1000.00} Failure to investigate dispute FCRA 1681s-2 ( b ) {$1000.00} Emotional distress and credit harm Common Law / Precedent $ XXXX ( est. ) Total Monetary Demand : {$5000.00} This total may be increased if further violations or damages are discovered. If this matter proceeds to litigation, I will also seek punitive damages, attorney fees, and court costs. \n\nDemand for Resolution To avoid legal escalation, I demand the following : 1. Immediate removal of all negative reporting regarding this account and inquiry from all consumer credit bureaus.\n\n2. A written confirmation that this has been completed within 15 calendar days of receipt of this letter.\n\n3. A settlement offer for statutory and actual damages totaling {$5000.00}, delivered to my mailing address above. \n\n\nIf these demands are not met within 15 days, I will proceed with legal action, file additional complaints with the Consumer Financial Protection Bureau, the FTC, and the Office of the State Attorney General, and seek damages in small claims or federal court. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-28T13:57:13.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"85041","tags":null,"has_narrative":true,"complaint_id":"14348025","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2025-06-28T13:52:47.000Z","state":"AZ","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["Failure to Conduct a Reasonable Investigation FCRA 1681s-2 ( b ) Following my CFPB complaint, your response dismissed the issue <em>without</em> fully reviewing the basis of my <em>dispute</em>. \n\nYou ignored my claim regarding false <em>advertising</em>, failed to investigate marketing materials from XXXX XXXX, and wrongfully upheld the inquiry reporting. \n\nYour investigation was superficial and inadequate. \n\n\nViolation : FCRA 623 ( b ) Requires a reasonable investigation after notice of a <em>dispute</em>."],"issue":["<em>Advertising</em> and marketing, including promotional offers"]},"sort":[12.552909,"14348025"]},{"_index":"complaint-public-v1","_id":"14328860","_score":12.145351,"_source":{"product":"Credit card","complaint_what_happened":"I respectfully submit this formal complaint regarding American Express and its handling of my account ending in # XXXX. \n\nThe issue began when American Expresswithout proper explanationlowered my credit limit in violation of a prior agreement. That agreement was made after I reduced my credit card balance as requested, with the understanding that no further restrictions would be placed on my account and I could resume using the card. However, within days of fulfilling my part, American Express imposed new usage limits. \n\nTheir conduct raises serious concerns under several key federal consumer protection laws, including : Unfair and Deceptive Practices : Advertising benefits ( e.g., streaming credits ) that were later denied without explanation, and failure to respond adequately to valid customer complaints. \nFair Credit Billing Act ( FCBA ) : Charging or threatening to charge interest and penalty fees while the account was under formal dispute.\n\nTruth in Lending Act ( TILA ) : Providing vague, misleading, and incomplete justifications for credit limit reductions and adverse changes.\n\nFair Credit Reporting Act ( FCRA ) : Creating a risk of inaccurate reporting through unsupported characterizations of my payment behavior and account status.\n\nThe attachments ( AF ) provide a detailed timeline, legal analysis, rebuttals to American Expresss claims, proof of payment history, and a breakdown of damageswhich I currently estimate at over {$6000.00}.\n\nDespite initiating direct complaints and the ADR process, I received no substantive response for months. Only after issuing a formal breach notice did American Express contact me to propose a settlement. Their offer, however, required repayment in just XXXX months. When I requested a reasonable extension to XXXX months due to seasonal income factors, they rejected it without explanation. \n\nImportantly, American Express has never addressed several of my central concerns and appears to have employed a strategy of delay, opacity, and procedural obstruction. Even if their justification for lowering the credit limit were accepted ( which I dispute ), the unresolved issuessuch as denial of advertised benefits and threats of interest charges during a disputeremain independent violations. \n\nI respectfully ask the CFPB to investigate whether these behaviors represent broader patterns of non-compliance and unfair treatment, particularly against customers engaged in legitimate dispute resolution processes.","date_sent_to_company":"2025-06-28T01:30:09.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"89107","tags":null,"has_narrative":true,"complaint_id":"14328860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-06-28T01:13:07.000Z","state":"NV","company_public_response":null,"sub_issue":"Credit card company forcing arbitration"},"highlight":{"complaint_what_happened":["Their conduct raises serious concerns under several key federal consumer protection laws, including : Unfair and Deceptive Practices : <em>Advertising</em> benefits ( e.g., streaming credits ) that were later denied <em>without</em> explanation, and failure to respond adequately to valid customer complaints. \nFair Credit Billing Act ( FCBA ) : Charging or threatening to charge interest and penalty fees while the account was under formal <em>dispute</em>."]},"sort":[12.145351,"14328860"]},{"_index":"complaint-public-v1","_id":"14449074","_score":11.9208355,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint regarding the unjust and unexplained limitation of my XXXX XXXX Account. My account had a clean history : XXXX disputes, XXXX chargebacks, XXXX refund claims. We had just begun to scale advertising and started seeing organic growth and sales and immediately after that, XXXX suddenly blocked the account. \n\nThe reason provided was that my account is associated with another account that has violated XXXX policies. \nThis is false and baseless. This is the only XXXX account Ive ever operated for this legal entity a newly incorporated XXXX business. I have never had any previous accounts or violations. \n\nFurthermore, I suspect XXXX made this assumption based on XXXX XXXX, which is misleading. While my team members may have logged in from different locations ( as is common in remote companies ), that does not imply shared control or ownership with any other account. This is a legitimate business account with legitimate XXXX operations. \n\nThere were no warning signs, no prior communication, no opportunity to clarify anything just a full and sudden restriction. My funds are now being held without justification. \n\nI am demanding : Immediate investigation and unfreezing of my account A formal explanation with technical evidence of the supposed association Unrestricted access to my legitimate business funds XXXX  actions resemble XXXX XXXX  and arbitrary restriction of competition something CFPB and XXXX regulators have previously scrutinized. If not addressed, I reserve the right to escalate this further to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the Federal Trade Commission ( FTC ), and state-level XXXX XXXX, as XXXX operates XXXX a money services business ( MSB ) XXXX federal and state oversight. \n\nI request that this complaint be taken seriously. I am running a legitimate business, and being cut off from my operating capital due to vague and false accusations is damaging and unlawful.","date_sent_to_company":"2025-07-03T14:27:47.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"33441","tags":null,"has_narrative":true,"complaint_id":"14449074","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-07-03T14:12:56.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My account had a clean history : XXXX <em>disputes</em>, XXXX chargebacks, XXXX refund claims. We had just begun to scale <em>advertising</em> and started seeing organic growth and sales and immediately after that, XXXX suddenly blocked the account. \n\nThe reason provided was that my account is associated with another account that has violated XXXX policies. \nThis is false and baseless. This is the only XXXX account Ive ever operated for this legal entity a newly incorporated XXXX business."]},"sort":[11.9208355,"14449074"]},{"_index":"complaint-public-v1","_id":"15216597","_score":11.917106,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint rega\n\nrding the unjust and unexplained limitation of my PayPal Business Account. My account had a clean history : zero disputes, zero chargebacks, zero refund claims. We had just begun to scale advertising and started seeing organic growth and sales and immediately after that, PayPal suddenly blocked the account. The reason provided was that my account is \" associated with another\naccount that has violated PayPals policies. '' This is false and baseless. This is the only PayPal account Ive ever operated for this legal entity a newly incorporated U.S.-based business. I have never had any previous accounts or violations.\n\nFurthermore, I suspect PayPal made this assumption based on IP/proxy flags, which is misleading. While my team members may have logged in from different locations ( as is common in remote companies ), that does not imply shared control or ownership with any other account. This is a legitimate business account with legitimate U.S.-based operations.\n\nThere were no warning signs, no prior communication, no opportunity to clarify anything just a full and sudden restriction. My funds are now being held without justification.\n\nI am demanding : Immediate investigation and unfreezing of my account A formal explanation with technical evidence of the supposed association Unrestricted access to my legitimate business funds PayPals actions resemble monopolistic abuse and arbitrary restriction of competition something CFPB and U.S. regulators have previously scrutinized. If not addressed, I reserve the right to escalate this further to the Office of the Comptroller of the Currency ( OCC ), the Federal Trade Commission ( FTC ), and state-level Attorneys General, as PayPal operates as a money services business ( MSB ) under federal and state oversight.\n\nI request that this complaint be taken seriously. I am running a legitimate business, and being cut off from my operating capital due to vague and false accusations is damaging and unlawful.","date_sent_to_company":"2025-08-11T12:11:17.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"59901","tags":null,"has_narrative":true,"complaint_id":"15216597","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-08-11T12:07:01.000Z","state":"MT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My account had a clean history : zero <em>disputes</em>, zero chargebacks, zero refund claims. We had just begun to scale <em>advertising</em> and started seeing organic growth and sales and immediately after that, PayPal suddenly blocked the account. The reason provided was that my account is \" associated with another\naccount that has violated PayPals policies. '' This is false and baseless. This is the only PayPal account Ive ever operated for this legal entity a newly incorporated U.S.-based business."]},"sort":[11.917106,"15216597"]},{"_index":"complaint-public-v1","_id":"9864786","_score":10.782241,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian due to ongoing issues with their customer service and misleading practices. \n\nOn Friday, XX/XX/24, I attempted to access my credit report through XXXX online platform. Despite multiple attempts, I was repeatedly directed to call their customer service number, XXXX, as the online process did not allow me to complete my request. The number provided did not connect me to a live representative, and the automated system only looped through various pre-recorded messages without offering any means to speak with a person. \n\nDesperate to resolve the issue, I had to find a different number and I had to resort to using a workaround by stating that I wanted to file a dispute, which finally connected me to a human representative. However, this was only possible through a different phone number than the one listed by Experian, which I found through external resources. This deceptive practice forced me to waste significant time and effort just to reach a person. After conducting some research, I discovered that many others have encountered similar issues, as widely reported on various online forums. This indicates a systemic problem that Experian has failed to address. \n\nWhen I eventually spoke with a representative, I was asked to verify my identity through a series of questions. I answered all questions correctly, but the representative insisted that my answers were incorrect. Despite knowing my information was accurate, I was then provided with yet another phone number, which also failed to connect me to a live person. This is a clear indication that Experian is fully aware that their listed customer service number does not reliably connect customers to real representatives. \n\nOn Monday,XX/XX/24, I attempted to follow up again, but the phone calls were still unsuccessful. When I tried to proceed online, I was once more redirected to call the same ineffective phone number, which only led to more frustration. \n\nExperians failure to provide functional customer service lines and the need to rely on workarounds to reach a representative constitute false advertising and a failure to provide the services they promise. This issue has caused undue stress and wasted valuable time, all while I am trying to manage my credit information. \n\nI request that the CFPB investigates Experian for these repeated issues, as they clearly impact a significant number of consumers and violate fair service practices. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-08-20T12:44:43.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"722XX","tags":null,"has_narrative":true,"complaint_id":"9864786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-20T12:31:50.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["The number provided did not connect me to a live representative, and the automated system only looped through various pre-recorded messages <em>without</em> offering any means to speak with a person. \n\nDesperate to resolve the issue, I had to find a different number and I had to resort to using a workaround by stating that I wanted to file a <em>dispute</em>, which finally connected me to a human representative."]},"sort":[10.782241,"9864786"]},{"_index":"complaint-public-v1","_id":"21707839","_score":10.615424,"_source":{"product":"Debt or credit management","complaint_what_happened":"XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX To : Arizona Supreme Court  XXXX and Disciplinary Commission XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, AZ XXXX State Bar of Arizona Lawyer Regulation Office XXXX N. XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Department of Financial Protection & Innovation XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Department of Consumer Affairs, Consumer Information Center XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Subject : Complaint Against McCarthy Law PLC for Misleading Advertising, Consumer Fraud, and Deceptive Business Practices ( Assigned by XXXX XXXX XXXX ) This complaint is submitted against McCarthy Law PLC, a XXXXbased law firm assigned by XXXX XXXX XXXX XXXX XXXX for alleged violations of California and Arizona consumer protection laws. The allegations include misleading advertising, unauthorized access to credit information, and deceptive business practices that have resulted in economic and emotional harm.\n\n1. Chronology of Harm from ClearOne Advantage In XXXX, during a period of personal and financial hardship ( caring for an ill father ), I enrolled in XXXX XXXX  debt settlement program. XXXX instructed me to stop contacting creditors and making payments, collected monthly fees, but failed to settle my debts. \n2. Harm Caused by ClearOnes Misconduct Multiple lawsuits were filed by creditors, despite assurances that XXXX was negotiating and resolving those debts ; Significant damage was done to my credit score, with no corrective action taken, leaving negative entries and defaults unchallenged ; Public court records now appear in online searches and background checks, severely harming my reputation and employability ; I have been unable to pass employment background screenings due to poor credit and unresolved lawsuitsblocking access to jobs for which I am qualified and despite recently completing my UCLA Paralegal studies ( with distinction ). \nAlgorithmic exclusion from employment, housing, and financial services has occurred, where automated systems use credit score filters to deny opportunities, often without human review; I now face higher premiums, deposits, and interest rates for essential servicesincluding utilities, insurance, and rental housingbecause my impaired credit score marks me as high-risk ; I incurred out-of-pocket expenses, including approximately {$4000.00}, to hire a third-party service to suppress public court records in online search engines ; I experience significant emotional distress daily due to unresolved debts and professional setbacks. \n3. Misrepresentations by McCarthy Law PLC ( XX/XX/XXXX Email ) In XX/XX/XXXX, XXXX  assigned McCarthy Law PLC to provide credit repair services. \nI received an unsolicited email from McCarthy Law stating : Now that XXXX took care of your debt settlement, it's our goal to finish what you started. McCarthy Law is a nationwide law firm that has a program designed to fix errors on your credit report. \n\nWe can help you request your credit reports, review for errors, and dispute those errors for no charge. If your credit errors are not fixed by a certain time period, we will fight to make sure they do get resolved while also putting money in your pockets. \nThis statement was deceptive : No legal services or follow-up communications were provided ; My credit reports were requested, but no disputes or corrections were performed ; The promise to put money in your pockets was unsubstantiated and unfulfilled. \n4. Economic and Emotional Harm by McCarthy Law I delayed seeking other counsel based on McCarthy Laws representations ; I provided personal data, including credit reports, in reliance on their promises ; The breach of trust exacerbated my emotional XXXX  ; No action was taken to repair or dispute my credit entries. \n5. Relevant Statutes & Legal Violations California : California Civil Code 1770 ( CLRA ) : Prohibits misrepresenting the characteristics, uses, or benefits of services.\n\nCalifornia Business & Professions Code 17200 ( UCL ) : Bars unfair, unlawful, or fraudulent business acts or practices, including deceptive advertising.\n\nCalifornia Consumer Financial Protection Law ( CCFPL ) : Prohibits unfair, deceptive, or abusive acts by debt-relief and credit repair companies.\n\nArizona : Arizona Consumer Fraud Act ( A.R.S. 44-1522 ) : Prohibits deception, false promises, or misrepresentations in connection with the sale or advertisement of services.\n\nA.R.S. 12-341 : Authorizes recovery of damages for breach of contract.\n\nA.R.S. 12-341.01 : Permits award of reasonable attorneys fees to the prevailing party in contract actions.\n\n6. Requested Actions and Damages I respectfully request : A formal investigation into McCarthy Law PLC and its relationship with XXXX XXXX, including consumer referral practices ; Disclosure of how many consumers received similar marketing communications from McCarthy Law containing misleading or false promises ; A comprehensive review of McCarthy Laws compliance with federal and state laws regarding attorney advertising, solicitation, and the handling of consumer financial data ; Referral to the California Attorney General and the Arizona State Bar for disciplinary review and enforcement action ; Enforcement of civil penalties under the California Consumer Legal Remedies Act ( CLRA ), California Unfair Competition Law ( UCL ), and the Arizona Consumer Fraud Act for deceptive business practices and misleading advertising.\n\nDamages Requested : {$150000.00} in damages for daily emotional distress, economic loss, and reputational harm, consistent with precedent awards in California and Arizona cases involving misleading advertising and consumer harm, such as : XXXX XXXX XXXX McCarthy Co. ( XXXX ) : {$14000.00} in compensatory damages and {$77000.00} in additional damages for egregious conduct ( California ) ; o XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Asserted {$18.00} XXXX in contract damages ( Arizona ) ; o XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) : Damages awarded for breach of fiduciary duty and nonpayment ( Arizona ). \n{$20000.00} for future legal and XXXX XXXX XXXX, reflecting market rates for correcting derogatory credit entries, sealing or expunging public records, and retaining qualified legal support. \nThank you for your assistance. \nRespectfully submitted, XXXX XXXX Attachments : XX/XX/XXXX email from McCarthy Law XX/XX/XXXX complaint against XXXX XXXX Cc : XXXX. XXXX XXXX XXXX, XXXX of the XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX, Attorney General of the XXXX XXXX XXXX XXXX, Attorney General of California XXXX XXXX, Attorney General of Arizona DOGE Department of Governmental Ethics XXXX XXXX XXXX XXXX XXXX, CEO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Vice President & Co-Founder, XXXX XXXX XXXX XXXX XXXX XXXX, Legal Counsel, XXXX XXXX XXXX XXXX XXXX XXXX, Chief Marketing Officer, XXXX XXXX XXXX XXXX XXXX XXXX, Managing Partner, McCarthy Law PLC XXXX XXXX, Partner McCarthy Law PLC XXXX XXXX, Director of Litigation / Partner, McCarthy Law PLC XXXX XXXX, Partner, McCarthy Law PLC XXXX XXXX, FCRA Paralegal, McCarthy Law PLC XXXX XXXX, Board Member XXXX XXXX, Board Member XXXX XXXX, Board Member XXXX XXXX, Board Member XXXX XXXX, Board Member Legal Services Corporation XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX To : XXXX XXXX, Managing Partner XXXX XXXX, Partner XXXX XXXX, XXXX of Litigation / Partner XXXX XXXX, Partner XXXX XXXX, FCRA Paralegal McCarthy Law PLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Subject : Formal Demand for {$170000.00} in Damages Pursuant to California Law Dear McCarthy Law PLC Partners and Staff, This letter serves as a formal demand for payment of {$170000.00} in damages arising from your firms misleading advertising, consumer fraud, and deceptive business practices, as detailed in my complaint dated XX/XX/XXXX. \nBasis for Demand Your XX/XX/XXXX, email promised that McCarthy Law PLC would fight to make sure [ credit errors ] do get resolved while also putting money in your pockets. Despite providing my credit reports and personal information as requested, I received none of the services or financial benefits described. No assistance was rendered in reviewing, disputing, or correcting my credit reports, and no monetary compensation was provided. \nThese actions constitute violations of the California Consumer Legal Remedies Act ( Civil Code 1770 ), the Unfair Competition Law ( Business & Professions Code 17200 ), and the California Consumer Financial Protection Law, which prohibit misrepresentations and deceptive practices in the provision of services. Courts have consistently held that such conduct is actionable and entitles the injured party to actual damages, restitution, and, where appropriate, punitive damages.\n\nDamages Sought I hereby demand payment of {$170000.00} to compensate for : Economic loss and out-of-pocket expenses incurred due to your firms misrepresentations ; Daily emotional XXXX  and reputational harm resulting from your failure to provide promised services ; Costs associated with hiring third-party services to mitigate the harm caused by your inaction ; Future legal and credit restoration services required to address the ongoing consequences of your conduct.\n\nDeadline for Payment Pursuant to California Civil Code 1782 ( CLRA ), you are hereby provided notice and demand for correction. You have 30 calendar days from the date of this letter to remit payment in full. If payment is not received by XX/XX/XXXX, I will pursue all available legal remedies, including but not limited to filing a lawsuit for damages, restitution, injunctive relief, and recovery of attorneys fees and costs. In addition, I am formally requesting that the California Attorney Generals Office and other applicable state and federal consumer protection agencies investigate these practices for potential inclusion in a class action lawsuit on behalf of all similarly situated consumers. Should your firm fail to address this matter within the statutory period, I will urge these agencies to take enforcement action and seek broader remedies to protect the public interest.\n\nPayment Instructions Please send the full payment to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Reservation of Rights This demand does not waive any other rights or remedies I may have under California or federal law. Should you fail to comply within the statutory period, I am prepared to take immediate legal action.\n\nThank you for your prompt attention to this matter. \nSincerely, XXXX XXXX XXXX : XX/XX/XXXX Complaint Letter Cc : Arizona Supreme Court XXXX and Disciplinary Commission State Bar of Arizona Lawyer Regulation Office Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) California Department of Financial Protection and Innovation ( DFPI ) Department of Consumer Affairs XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, XXXX of the XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX of the XXXX XXXX XXXXXXXX. XXXX XXXX, Attorney General of the XXXX XXXX XXXXXXXX XXXX, Attorney General of California XXXX XXXX, Attorney General of Arizona XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Vice President & Co-Founder, XXXX XXXX XXXX XXXX XXXX XXXX, Legal Counsel, XXXX XXXX XXXX XXXX XXXX XXXX, Chief Marketing Officer, XXXX XXXX XXXX XXXX XXXX XXXX, Board Member XXXX XXXX, Board Member XXXX XXXX, XXXX Member XXXX XXXX, Board Member XXXX XXXX, Board Member Legal Services Corporation","date_sent_to_company":"2026-04-29T15:00:54.000Z","issue":"Didn't provide services promised","sub_product":"Credit repair services","zip_code":"903XX","tags":null,"has_narrative":true,"complaint_id":"21707839","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MCCARTHY LAW PLC","date_received":"2025-07-09T14:49:29.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Attorney General and the Arizona State Bar for disciplinary review and enforcement action ; Enforcement of civil penalties under the California Consumer Legal Remedies Act ( CLRA ), California Unfair Competition Law ( UCL ), and the Arizona Consumer Fraud Act for deceptive business practices and <em>misleading</em> <em>advertising</em>."]},"sort":[10.615424,"21707839"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":61,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":61}]}},"product":{"doc_count":61,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":22,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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