{"took":1940,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":12238,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18490270","_score":14.531787,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Request for XXXX XXXX and Directive to Keep Case Open Until All Respondents Submit Complete Answers I am submitting this continuation filing regarding my prior CFPB cases ( XXXX : XXXX and XXXX ) to address significant procedural failures that resulted in both cases being prematurely closed without full review. These closures occurred despite incomplete responses from the named respondents and despite my documented evidence contradicting the statements submitted by Chase. \n\nXXXX. Procedural Errors in Prior CFPB Handling Both of my previous filings were closed based solely on Chases unsupported statements, even though : XXXX never submitted any response XXXX never submitted any response Chases responses were factually incorrect and contradicted by my documentation My written feedback identifying these inaccuracies was not reviewed before closure Closing a case when not all respondents have answered is a procedural failure that materially affects the fairness and completeness of the review. \n\nXXXX. Formal Request for Supervisory Review Given the repeated administrative errors, I am formally requesting supervisory review of this continuation filing. \n\nA supervisory review is necessary to ensure : All respondents are required to submit complete, factual, and documented responses Unsupported statements are not accepted as final My evidence and feedback are reviewed before any closure The CFPB does not repeat the procedural failures that occurred in the prior filings XXXX. Directive : KEEP THE CASE OPEN Until All Respondents Answer To prevent another premature closure, I am explicitly requesting : This continuation filing must remain open until all three respondents Chase, XXXX and XXXX have submitted complete, factual, and documented responses. No closure should occur until supervisory review has been completed and all parties have complied with the CFPBs response requirements. \n\nThis instruction is necessary because the CFPB previously closed my cases without responses from XXXX respondents, which is a clear procedural oversight. \n\nXXXX. XXXX of Events ( XXXX and XXXX ) XX/XX/XXXX I filed the original complaint against Chase and XXXX. \n\nChase submitted a response on XX/XX/XXXX, claiming no dispute existed a statement contradicted by my printed confirmation showing the dispute was filed. \n\nXXXX submitted no response. \n\nDespite missing responses and factual inaccuracies, the CFPB closed the case. \n\nXX/XX/XXXX I filed a continuation complaint ( ID XXXX ) and added XXXX as a third respondent. \n\nChase again submitted an unsupported response claiming the issue was resolved. \n\nXXXX and XXXX again submitted no responses. \n\nOn XX/XX/XXXX I submitted feedback stating Chases claims were untrue and unsupported. \n\nThe CFPB again closed the case prematurely, relying solely on Chases incomplete response. \n\nThis timeline demonstrates a pattern of procedural failure that must be corrected. \n\nXXXX. Evidence Summary I have provided : Printed confirmation of my dispute filing with Chase Documentation of unauthorized charges Records of XXXX and XXXX failure to respond Written feedback identifying factual inaccuracies in Chases filed statements None of this evidence was reviewed before the CFPB closed the cases. \n\nXXXX. XXXX of XXXX XXXX and Potential Escalation I am making every effort to resolve this matter amicably and through the proper administrative channels. However, if these procedural issues are not corrected, I will be forced to explore all available avenues of recourse, including formal review and potential legal remedies, to ensure that my rights as a consumer are protected. \n\nThis continuation filing serves as clear documentation of my goodfaith efforts. \n\nXXXX. Requested Corrective Actions I respectfully request that the CFPB : Reopen and consolidate the XXXX prior filings Require all three respondents to submit complete and factual responses Conduct supervisory review before any closure Ensure refunds and corrective actions for unauthorized charges and wrongful debits Prevent premature closure until all respondents comply ( emphasis )","date_sent_to_company":"2026-02-25T17:17:15.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"77379","tags":null,"has_narrative":true,"complaint_id":"18490270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-01-06T05:49:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["This instruction is necessary because the <em>CFPB</em> previously closed my cases without <em>responses</em> from <em>XXXX</em> respondents, which is a clear procedural oversight. \n\n<em>XXXX</em>. <em>XXXX</em> of Events ( <em>XXXX</em> and <em>XXXX</em> ) XX/XX/<em>XXXX</em> I filed the original complaint against Chase and <em>XXXX</em>. \n\nChase submitted a <em>response</em> on XX/XX/<em>XXXX</em>, claiming no <em>dispute</em> existed a statement contradicted by my printed confirmation showing the <em>dispute</em> was filed. \n\n<em>XXXX</em> submitted no <em>response</em>."]},"sort":[14.531787,"18490270"]},{"_index":"complaint-public-v1","_id":"13504180","_score":14.484555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"REBUTTAL TO COMPANY RESPONSE CFPB COMPLAINT # XXXX I am writing to dispute Equifaxs response and the XXXX premature closure of this complaint. Equifax claimed to complete its investigation and submitted a final response within hours of receiving my CFPB complaint. However, the investigation results Equifax submitted on XX/XX/year>, predated my complaint entirely and were merely restated to the CFPB without any new or responsive action taken. \n\nThis is not a legitimate reinvestigation under FCRA XXXX ( a ) ( XXXX ) ( A ). The company provided no new documentation, no verification of the items in question, and no specific explanation of how or when the reinvestigation occurred after the complaint was filed. The CFPBs own system shows that my complaint was received and marked as closed within less than XXXX hours of Equifax referencing a pre-existing, non-responsive document ( their XX/XX/XXXX internal credit file response ). That file was not produced in response to this complaint, and no new evidence was reviewed by Equifax after XX/XX/XXXX. \n\nMoreover, Equifax failed to comply with FCRA XXXX ( a ) ( XXXX ). It did not disclose the identity or contact information of the furnishers, nor the method used to verify the disputed tradelines. The generic explanation of the XXXX ( automated consumer dispute verification ) process does not satisfy the legal requirement to provide actual investigation details to the consumer. \n\nAdditionally, I must emphasize CFPBs failure to detect this procedural issue. No meaningful review of Equifaxs response appears to have occurred before closing the complaint. The Bureau should not accept as final any response that predates the complaint and fails to show new investigative activity or evidence. \n\nI respectfully request : Reopening of Complaint # XXXX. \n\nA directive to Equifax to respond substantively and specifically to the disputes raised in my XX/XX/XXXX complaint. \n\nReview by CFPB staff of Equifaxs dispute process for potential pattern-based noncompliance under the FCRA. \n\nThis matter remains unresolved, both substantively and procedurally, and closure of the complaint at this stage is premature and unsupported by the facts.","date_sent_to_company":"2025-05-14T11:00:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"220XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13504180","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-14T08:46:54.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["REBUTTAL TO COMPANY <em>RESPONSE</em> <em>CFPB</em> COMPLAINT # <em>XXXX</em> I am writing to <em>dispute</em> Equifaxs <em>response</em> and the <em>XXXX</em> premature closure of this complaint. Equifax claimed to complete its investigation and submitted a final <em>response</em> within hours of receiving my <em>CFPB</em> complaint. However, the investigation results Equifax submitted on XX/XX/year>, predated my complaint entirely and were merely restated to the <em>CFPB</em> without any new or responsive action taken."]},"sort":[14.484555,"13504180"]},{"_index":"complaint-public-v1","_id":"12889656","_score":14.465528,"_source":{"product":"Credit card","complaint_what_happened":"I filed a complaint with the CFPB against Goldman Sachs Apple Card on XX/XX/XXXX relating to a credit card dispute that was not being properly reviewed ( Complaint XXXX ). \n\nPer the response below, Goldman Sachs performed an investigation and reported to the CFPB that they would be resolving the dispute in my favor ( the Customer ). \n\nThe banks response to this complaint is as follows : On XX/XX/XXXX, the Bank reopened the Customers dispute and conducted an investigation. Upon review of the Customers dispute and more information about the merchant, the Bank resolved the dispute in the favor of the Customer. As a result, the temporary credit was made permanent on XX/XX/XXXX. The Bank sent the Customer an email detailing the dispute outcome. Based on the above details, the Bank kindly requests for this complaint to be closed. \n\nThe bank states an email was sent, however no email was received. Additionally, on XX/XX/XXXX, two days after the feedback window closed, the bank ignored the CFPB ruling and once again resolved this dispute in favor of the merchant. I have reopened the dispute and seek resolution per the original response.","date_sent_to_company":"2025-04-09T22:36:24.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94132","tags":null,"has_narrative":true,"complaint_id":"12889656","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-04-09T22:12:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I filed a complaint with the <em>CFPB</em> against Goldman Sachs Apple Card on XX/XX/<em>XXXX</em> relating to a credit card <em>dispute</em> that was not being properly <em>reviewed</em> ( Complaint <em>XXXX</em> ). \n\nPer the <em>response</em> below, Goldman Sachs performed an investigation and reported to the <em>CFPB</em> that they would be resolving the <em>dispute</em> in my favor ( the Customer ). \n\nThe banks <em>response</em> to this complaint is as follows : On XX/XX/<em>XXXX</em>, the Bank reopened the Customers <em>dispute</em> and conducted an investigation."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[14.465528,"12889656"]},{"_index":"complaint-public-v1","_id":"2030871","_score":14.263816,"_source":{"product":"Mortgage","complaint_what_happened":"I have previously raised XXXX complaints and despite thing the last XXXX had been resolved the Company still have not sorted out the problem. The previous cases are below. I received a letter from Bay View dated XXXX XXXX XXXX advising that I would have a resolution by XXXX XXXX XXXX but it is still going on. I am able to send emails of all of the messages I have sent the company but they just will not respond to me. \nXXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX","date_sent_to_company":"2016-07-27T20:15:08.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"33844","tags":null,"has_narrative":true,"complaint_id":"2030871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","date_received":"2016-07-26T13:22:56.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>CFPB</em> <em>review</em> <em>Response</em> not <em>disputed</em> <em>XXXX</em>/<em>XXXX</em>/<em>XXXX</em> <em>XXXX</em> <em>CFPB</em> <em>review</em> <em>Response</em> not <em>disputed</em> <em>XXXX</em>/<em>XXXX</em>/<em>XXXX</em>"]},"sort":[14.263816,"2030871"]},{"_index":"complaint-public-v1","_id":"22669686","_score":14.0444,"_source":{"product":"Mortgage","complaint_what_happened":"The company has not answered the complaint in the CFPB portal. \nA mailed letter does not satisfy the CFPBs response requirements. \nThe bank is attempting to move the discussion outside the federal record. \nI request that CFPB require the company to provide a full, substantive response in the portal, including documentation, timelines, and explanations addressing each issue raised.I dispute the companys response and request continued CFPB review. \n\nI called that XXXX 4 times and left a message. One ring- automatic voicemail with XXXX XXXX on it. We need an email State Farm emailed us- please see attachment","date_sent_to_company":"2026-05-28T19:08:38.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"55443","tags":null,"has_narrative":true,"complaint_id":"22669686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-05-28T19:01:48.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["The company has not answered the complaint in the <em>CFPB</em> portal. \nA mailed letter does not satisfy the <em>CFPBs</em> <em>response</em> requirements. \nThe bank is attempting to move the discussion outside the federal record. \nI request that <em>CFPB</em> require the company to provide a full, substantive <em>response</em> in the portal, including documentation, timelines, and explanations addressing each issue raised.I <em>dispute</em> the companys <em>response</em> and request continued <em>CFPB</em> <em>review</em>. \n\nI called that <em>XXXX</em> 4 times and left a message."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public <em>response</em>"]},"sort":[14.0444,"22669686"]},{"_index":"complaint-public-v1","_id":"20800339","_score":14.034634,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This is in response to Cash App 's response on my original claim # XXXX. I was not provided any way to respond to Cash App 's denial of my claim. The CFPB portal only displayed there response, and there was no option available for me to reply, dispute there findings, or provide additional evidence. This prevented me from fully participating in the resolution process. \n\nTransaction amount {$2500.00} Date of transaction XX/XX/year> Cash App case # XXXX Cash App denied my dispute on XX/XX/year> then later stated to the CFPB that this case is still open. \n\nThis complaint is related to my original claim # XXXX. Cash App provided a misleading response stating my case is still open, even though they already sent me a denial letter they denied my dispute. I was not given the option to respond, so I am submitting this to request further review and correction. \n\nIn my original case Cash App denied my dispute and refused reimbursement. However in there response to you ( the CFPB ) they stated the case is still open and under review. \n\nThis is very contradictory and misleading. A case can not be both denied and still actively under review at the same time. \n\nI remain without my funds, And this has caused significant financial hardship. This was an accidental transfer, and I made every reasonable effort to resolve the issue directly. Before escalating.. \n\nI am requesting a clear and accurate explanation of my case status, along with either : 1 A proper reopening and investigation of the dispute, or. 2 Full reimbursement of my funds Due to the inconsistent and potentially misleading information provided, I am also requesting further review of this matter. I am also requesting a clear and definitive resolution on this matter. Cash App must either properly reopen and investigate this claim or provide reimbursement. Their current response is inconsistent and does not resolve this issue. \n\nThank you, XXXX XXXX XXXX","date_sent_to_company":"2026-03-31T09:08:32.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"863XX","tags":null,"has_narrative":true,"complaint_id":"20800339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-03-31T08:16:08.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This is in <em>response</em> to Cash App 's <em>response</em> on my original claim # <em>XXXX</em>. I was not provided any way to respond to Cash App 's denial of my claim. The <em>CFPB</em> portal only displayed there <em>response</em>, and there was no option available for me to reply, <em>dispute</em> there findings, or provide additional evidence. This prevented me from fully participating in the resolution process."]},"sort":[14.034634,"20800339"]},{"_index":"complaint-public-v1","_id":"2040405","_score":14.023876,"_source":{"product":"Mortgage","complaint_what_happened":"Since I registered my last complaint that is being acted upon I have discovered that my loan has apparently been sold to another company. As XXXX are still investigating my complaint I am at a loss as to what I am supposed to do next as I at first thought this was a scam. The new company have made no attempt to contact me via my contact address that should have been passed to them by XXXX but is also readily available from the Appraisers office. I still believe I am being forced into foreclosure by these companies. I have not signed loan paperwork with either company and was completely unaware of this second company until last week. Please assist me to resolve the matter. \n\nCFPB Case XXXX Company review In progress XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX","date_sent_to_company":"2016-08-01T15:16:10.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"33844","tags":null,"has_narrative":true,"complaint_id":"2040405","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Servis One, Inc., Titusville, PA Branch","date_received":"2016-08-01T15:16:10.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["<em>CFPB</em> Case <em>XXXX</em> Company <em>review</em> In progress <em>XXXX</em>/<em>XXXX</em>/<em>XXXX</em> <em>XXXX</em> <em>CFPB</em> <em>review</em> <em>Response</em> not <em>disputed</em> <em>XXXX</em>/<em>XXXX</em>/<em>XXXX</em> <em>XXXX</em> <em>CFPB</em> <em>review</em> <em>Response</em> not <em>disputed</em> <em>XXXX</em>/<em>XXXX</em>/<em>XXXX</em>"]},"sort":[14.023876,"2040405"]},{"_index":"complaint-public-v1","_id":"18508128","_score":13.996308,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, the company informed the CFPB that it was still working on my issue under an active CFPB review. On XX/XX/XXXX, during this same active review period, the company cancelled the only reinstated account ( XXXX ) following a subsequent review. \nThis cancellation occurred after company supervisors had previously confirmed that the disputes were submitted in good faith and after the account had already been reinstated. The cancellation represents a new adverse action taken while regulatory review is ongoing. \nThis action introduces further inconsistency into the account record, directly affects credit reporting, and impacts ongoing litigation and disputed balances. The cancellation was not disclosed or addressed in the companys prior CFPB response and contradicts the companys stated position that the matter was still under review. \nThis complaint is submitted to document the new adverse action taken during an active CFPB review and its continued impact.","date_sent_to_company":"2026-01-06T19:46:23.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"82001","tags":null,"has_narrative":true,"complaint_id":"18508128","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-01-06T19:29:05.000Z","state":"WY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, the company informed the <em>CFPB</em> that it was still working on my issue under an active <em>CFPB</em> <em>review</em>. On XX/XX/<em>XXXX</em>, during this same active <em>review</em> period, the company cancelled the only reinstated account ( <em>XXXX</em> ) following a subsequent <em>review</em>. \nThis cancellation occurred after company supervisors had previously confirmed that the <em>disputes</em> were submitted in good faith and after the account had already been reinstated."]},"sort":[13.996308,"18508128"]},{"_index":"complaint-public-v1","_id":"2047757","_score":13.971123,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; This is XXXX XXXX 's response to following SPS compliant responses : Case number Step Status Submitted Complaint history XXXX Consumer review Company responded XXXX/XXXX/XXXX XXXX Consumer review Company responded XXXX/XXXX/XXXX XXXX Consumer review Company responded XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX File Duplicate XXXX/XXXX/XXXX XXXX CFPB review Response disputed XXXX/XXXX/XXXX Based on the generic quality of the SPS responses I assume the following : SPS is not interested or willing to investigate and provide the information requested : A history of Principal and interest payment since the mortgage inception. \n\nA verbal and numeric explanation of the Mortgage amortization Before the modification and after. \nA comparison and contrast of the XXXX mortgage amortization prior to modification and afterwards. \nWhere monthly payments higher or lower? \nWas the total principal reduced? \nWhat was the financial engineering execute to define the modification in compliance with HAMP? \nDid the modification provide permanent cash flow reductions. \nIf not why modify? \nDoes SPS consider a mortgage Payment with property taxes in excess of P & I economic? Is this common place? \n\nSPS consistently avoids the Fraud Challenges of the original Mortgage and modification. I would encourage CFPB to instruct SPS to contact and work with the originator and modifiers Sincerely, XXXX XXXX, XXXX APPENDIX Please allow me to introduce myself. My name is XXXX XXXX. I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as being XXXX XXXX XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX. \n\nI invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to a XXXX in XX/XX/XXXX. I am XXXX XXXX today. \n\nI believe that I was defrauded by XXXX at the time of my mortgage origination. \n\nAn uneconomic and irrational payment structure. \nMy mortgage principal and interest is less than my monthly property taxes and insurance. \nAfter a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. \nMy Principal Balance today, XXXX, after 16 years is higher than it was in XXXX. \n\nReccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and XXXX. \n\nPlease assist me in receiving a debt \" cram down '' valuation base of my history for the mortgages. For example, my total payment from XX/XX/XXXX to XX/XX/XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt. \n\nThank You. \n\nSincerely, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX AMOUNT PRINCIPAL {$760000.00} DEFERRED {$140000.00} PRINCIPAL {$900000.00} MONTHLY PMT PRINCIPAL {$1100.00} INTEREST RATE {$1200.00} {$2400.00} ESCROW {$2500.00} TAXES INSURANCE","date_sent_to_company":"2016-08-06T01:19:57.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"30319","tags":"Older American","has_narrative":true,"complaint_id":"2047757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2016-08-06T01:19:57.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["/<em>XXXX</em>/<em>XXXX</em> <em>XXXX</em> <em>CFPB</em> <em>review</em> <em>Response</em> not <em>disputed</em> <em>XXXX</em>/<em>XXXX</em>/<em>XXXX</em> <em>XXXX</em> <em>CFPB</em> <em>review</em> <em>Response</em> not <em>disputed</em> <em>XXXX</em>/<em>XXXX</em>/<em>XXXX</em> <em>XXXX</em> <em>CFPB</em> <em>review</em> <em>Response</em> not <em>disputed</em> <em>XXXX</em>/<em>XXXX</em>/<em>XXXX</em> <em>XXXX</em> <em>CFPB</em> <em>review</em> <em>Response</em> not <em>disputed</em> <em>XXXX</em>/<em>XXXX</em>/<em>XXXX</em> <em>XXXX</em> File Duplicate <em>XXXX</em>/<em>XXXX</em>/<em>XXXX</em> <em>XXXX</em> <em>CFPB</em> <em>review</em> <em>Response</em> <em>disputed</em> <em>XXXX</em>/<em>XXXX</em>/<em>XXXX</em> Based on the generic quality of the SPS <em>responses</em> I assume the following : SPS is not interested or willing to investigate and provide the information requested : A history of Principal and"]},"sort":[13.971123,"2047757"]},{"_index":"complaint-public-v1","_id":"1836337","_score":13.963475,"_source":{"product":"Credit reporting","complaint_what_happened":"CFPB complaint is filled against Experian. \nOn XXXX XXXX, 2016 Experian rather than responding to a CFPB complaint through the CFPB portal used my personal email provided to the CFPB in an attempt to circumvent CFPB requirements that all CFPB complaints filed by Consumers against a company must be responded to through the CFPB portal. Experian is not providing a simple response to a CFPB complaint by clicking on their email, but rather requires agreeing to Experian 's terms of agreement which is explained in a one page legal document which I refused to do today and will continue to refuse in the future. However, Experian states in their email that Experian 's email response to a dispute I filed with Experian is only valid for 30 days. In order to support the work of the CFPB and insure consistency I have filed 100 % of disputes utilizing the CFPB Consumer Complaint System which then requires the company which the dispute was filed against to respond through the CFPB portal even if said company is XXXX of the XXXX nationwide credit reporting agencies. Another evasive tactic used by Experian when a Consumer such as myself files a dispute with the CFPB which involves a dispute with a buyer of debt company whom Experian stores information for in return for a fee, is to respond to a CFPB complaint of this manner by stating \" We will open an investigation by contacting the company regarding your disputed information which can take up to 30 days. Upon completion of the investigation Experian will mail to your address of record the results of the investigation. Note to CFPB : Mailing items utilizing the U.S. Postal Service is not synonymous with the CFPB requirement that all Responses must be via the CFPB portal which is not only a direct violation of CFPB Response protocols, but also represents just XXXX of multiple methodologies employed by Experian ( XXXX and XXXX employ the same techniques as Experian ) to undermine and directly inhibit the effectiveness of the CFPB Consumer Complaint System. It does not take a rocket scientist to comprehend that the sole intent of circumventing the CFPB Response requirement or actually responding one way via the CFPB portal such as \" We will investigate ... '' while outside of the CFPB Response system place a deliberately false 90 day Security Alert on my consumer credit report as a retaliatory action for using the CFPB system rather than the dispute system provided by Experian, XXXX and XXXX and which is clearly intended to dissuade Consumers from turning to the CFPB. \nNearly XXXX % of every non-duplicate CFPB dispute I have filed states it has been reviewed by the CFPB, and if true nothing I wrote above comes as a surprise to the CFPB reviewers. \n\nHowever, based upon the yearly CFPB Mission Statement endorsed by the Director of the CFPB XXXX XXXX XXXX, which continues to emphasis the crucial importance of the CFPB Consumer Complaint System, I have no doubt the above has not been shared with the Director and, therefore, every CFPB complaint and Response filed in the last six months which addresses the above, as well as host of other key issues of concern to the CFPB, is being forwarded to the Director, Assistant Director and the Director of Enforcement for their review and analysis by complaint number, date, Response, or companies which ignore the required CFPB Response completely. \n\nExperian so you can not reply complain was too vague you are required by the CFPB to Respond to a CFPB complaint via the CFPB portal and not via my personal email which not only is dismissive of the CFPB, but also insists I agree to legal terms of Experian 's choosing as if Experian is not subject to CFPB oversight. Experian needs to provide all Responses though the CFPB portal and by no other means and which is inclusive of your XX/XX/2016 attempt to circumvent the CFPB Response portal requirement.","date_sent_to_company":"2016-03-16T06:39:26.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"1836337","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-03-16T06:39:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["Nearly <em>XXXX</em> % of every non-duplicate <em>CFPB</em> <em>dispute</em> I have filed states it has been <em>reviewed</em> by the <em>CFPB</em>, and if true nothing I wrote above comes as a surprise to the <em>CFPB</em> reviewers."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public <em>response</em>"]},"sort":[13.963475,"1836337"]},{"_index":"complaint-public-v1","_id":"17487721","_score":13.95455,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/year>, I received a mailed response from XXXX XXXX regarding my previous CFPB complaint. The envelope and the letter were addressed to an incorrect version of my name, which caused confusion about whether the correspondence was intended for me. The letter mixed a CFPB dispute response with a debt collection demand stating I owed {$55000.00} and asked me to contact Ford to arrange payment. This was unexpected because a CFPB response should be separate from collection activity. The letter was also sent to my XXXX XXXX instead of the address associated with the account. I am filing this new complaint because XXXX  mailed CFPB response appears misleading, misaddressed, and not consistent with standard CFPB communications. I am attaching a copy of the letter and envelope for review.","date_sent_to_company":"2025-11-25T20:29:01.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"17487721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FORD MOTOR CREDIT CO.","date_received":"2025-11-25T20:09:13.000Z","state":"MI","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["The letter was also sent to my <em>XXXX</em> <em>XXXX</em> instead of the address associated with the account. I am filing this new complaint because <em>XXXX</em>  mailed <em>CFPB</em> <em>response</em> appears misleading, misaddressed, and not consistent with standard <em>CFPB</em> communications. I am attaching a copy of the letter and envelope for <em>review</em>."]},"sort":[13.95455,"17487721"]},{"_index":"complaint-public-v1","_id":"2206557","_score":13.939323,"_source":{"product":"Credit reporting","complaint_what_happened":"I disputed the bankruptcy listed on my report with Equifax. They responded but failed to disclose the source of their information. I provided documentation from the United States Bankruptcy Courts to Equifax and to the CFPB that the courts do not validate but instead it is done through a third party. Equifax lied in their response to me and to the CFPB in stating that the Bankruptcy Court had validated the data ( something that they do not do ). Here is their response on the CFPB complaint containing the lie : Equifax said : \" Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The Discharged Chapter XXXX Bankruptcy has been verified to be correct as reported on the credit file. Written confirmation has been mailed. \n\nResponse *Equifax reviewed the complaint, its records and initiated a reinvestigation. \n*Equifax did not receive any additional communications from the consumer during the review of the complaint. \n*Equifax will mail the results of the reinvestigation within 30 days. '' As this is not correct and as failing to disclose the actual source of the data is an FCRA Violation, I demand that it be removed from my credit report!","date_sent_to_company":"2016-11-14T23:57:41.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"55378","tags":null,"has_narrative":true,"complaint_id":"2206557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-11-14T23:57:41.000Z","state":"MN","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["Here is their <em>response</em> on the <em>CFPB</em> complaint containing the lie : Equifax said : \" Explanation of closure Equifax has <em>reviewed</em> your complaint and its records regarding your <em>dispute</em>. The Discharged Chapter <em>XXXX</em> Bankruptcy has been verified to be correct as reported on the credit file. Written confirmation has been mailed. \n\n<em>Response</em> *Equifax <em>reviewed</em> the complaint, its records and initiated a reinvestigation."]},"sort":[13.939323,"2206557"]},{"_index":"complaint-public-v1","_id":"1568127","_score":13.928812,"_source":{"product":"Credit card","complaint_what_happened":"Reference cases XXXX, XXXX, and XXXX that were previous submitted and response was disputed, after a review and discussion by phone with the cfpb I am re-submitting new complaints as I strongly feel that federal laws were violated and that the cfpb may have not fully completed a proper review of the response dispute. \n\nSynchrony Bank never addressed that fact I was not receiving bills and simply stated that the XXXX accounts were charged off and sold to second round and they no longer service the accounts. \n\nXXXX clearly stated \" XXXX XXXX has made it clear he is interested in resolving this matter. We are in the process of negotiating a settlement agreement with XXXX XXXX '' yet to date have never contacted me to reach a settlement.","date_sent_to_company":"2015-09-22T13:37:17.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"34746","tags":null,"has_narrative":true,"complaint_id":"1568127","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2015-09-17T17:22:14.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Reference cases <em>XXXX</em>, <em>XXXX</em>, and <em>XXXX</em> that were previous submitted and <em>response</em> was <em>disputed</em>, after a <em>review</em> and discussion by phone with the <em>cfpb</em> I am re-submitting new complaints as I strongly feel that federal laws were violated and that the <em>cfpb</em> may have not fully completed a proper <em>review</em> of the <em>response</em> <em>dispute</em>."]},"sort":[13.928812,"1568127"]},{"_index":"complaint-public-v1","_id":"2574799","_score":13.905255,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is response to a earlier complaint against Equifax - CFPB  Case No .  XXXX .  <P/> Once again, Equifax have violated the FCRA! Wondering if CFPB are even paying attention to this matter, instead chose to close the said case without fully reviewing entirety. I wo n't be surprised EQUIFAX does not take CFPB seriously!  <P/> Once again, I am disputing - On or before   XX/XX/XXXX   ; AND on or before   XX/XX/XXXX   ; AND on or before  XX/XX/XXXX   ; AND on or before   XX/XX/XXXX   ; AND AGAIN on or before   XX/XX/XXXX  , I have repeatedly disputed - via Certified Letters - to both the creditors as well as to EQUIFAX without any satisfaction. EQUIFAX will always claim they will review / investigate this matter and yet to ever report their findings!  <P/> EQUIFAX continues to report incorrect statuses. No response other than a computer generated response from EQUIFAX stating they will review / investigate. Because of the EQUIFAX not responding indicates a clear violations of the FCRA. See below typical response from EQUIFAX : COMPANY 'S INTERIM RESPONSE \" Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. '' COMPANY 'S RESPONSE \" Equifax has reviewed the complaint and its records. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. Please note that for future disputes of credit report information, visit www.equifax.com. '' Please be advise that I have sent over  twenty  certified letters (  11  to be exact ) since  XXXX  to both Creditors and as well as to EQUIFAX disputing and requesting debt validations. These alleged debts have been on my credit report since  XXXX , though I paid these debts in full in  XXXX   XXXX !.  <P/> I have requested Debt Validation from EQUIFAX : a )  XXXX  / Preferred Customer Acct No.  XXXX  b  XXXX   XXXX  /  XXXX   XXXX  Acct  XXXX .  XXXX   XXXX  )   XXXX   XXXX   XXXX   Acct No.  XXXX","date_sent_to_company":"2017-07-14T13:31:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78731","tags":null,"has_narrative":true,"complaint_id":"2574799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-14T13:19:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is <em>response</em> to a earlier complaint against Equifax - <em>CFPB</em>  Case No .  <em>XXXX</em> .  <P/> Once again, Equifax have violated the FCRA! Wondering if <em>CFPB</em> are even paying attention to this matter, instead chose to close the said case without fully <em>reviewing</em> entirety. I wo n't be surprised EQUIFAX does not take <em>CFPB</em> seriously!"]},"sort":[13.905255,"2574799"]},{"_index":"complaint-public-v1","_id":"10550316","_score":13.735116,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Against Equifax Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XX/XX/2024, I filed a dispute with XXXX regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, Equifax processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from XXXX was unsatisfactory, vague, and did not address the specific questions I raised. \nXXXX Response : XXXX used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, Equifax stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... Equifax MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. \nThis response failed to address my specific request for a manual review, and Equifax provided a generic response about their standard procedures rather than directly answering the questions I posed.","date_sent_to_company":"2024-10-24T01:43:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30134","tags":null,"has_narrative":true,"complaint_id":"10550316","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-24T01:38:58.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>CFPB</em> Complaint Against Equifax Subject : Failure to Conduct a Manual <em>Review</em> of <em>Dispute</em> as Requested Use of E-Oscar System Summary of Issue : On <em>XX/XX</em>/2024, I filed a <em>dispute</em> with <em>XXXX</em> regarding inaccurate information on my credit report. I explicitly requested a manual <em>review</em> of the <em>disputed</em> information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked."]},"sort":[13.735116,"10550316"]},{"_index":"complaint-public-v1","_id":"10765318","_score":13.642519,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Against XXXX Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XXXX XXXX, I filed a dispute with XXXX XXXX inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, XXXX processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from XXXX was unsatisfactory, vague, and did not address the specific questions I raised. \nXXXX XXXX : XXXX used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, XXXX stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO XXXX ELECTRONICALLY ... XXXX XXXX USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. \nThis response failed to address my specific request for a manual review, and XXXX provided a generic response about their standard procedures rather than directly answering the questions I posed.","date_sent_to_company":"2024-11-13T02:16:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30134","tags":null,"has_narrative":true,"complaint_id":"10765318","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-13T02:11:27.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>CFPB</em> Complaint Against <em>XXXX</em> Subject : Failure to Conduct a Manual <em>Review</em> of <em>Dispute</em> as Requested Use of E-Oscar System Summary of Issue : On <em>XXXX</em> <em>XXXX</em>, I filed a <em>dispute</em> with <em>XXXX</em> <em>XXXX</em> inaccurate information on my credit report. I explicitly requested a manual <em>review</em> of the <em>disputed</em> information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public <em>response</em>"]},"sort":[13.642519,"10765318"]},{"_index":"complaint-public-v1","_id":"1744815","_score":13.605285,"_source":{"product":"Credit reporting","complaint_what_happened":"I filed a complaint on Experian in a previous complaint. The complaint # is XXXX and it is still open. The CFPB responded Experian has provided a partial response. I have pasted their response below. In their response they say they will contract the data furnisher. This item was already disputed several weeks ago by me and denied by Experian as they stated they validated its accuracy. I put this in my original CFPB complaint. My question to the CFPB is why does Experian need and why are they being permitted to do another dispute and contact the data furnisher if they did this when they denied the dispute a few weeks ago?? If the CFPB reads the Equifax response, it does not address my complaint. This looks to me like a auto response or a form letter. This is exactly what is wrong with Experian. \nI am asking the CFPB to immediately require Experian to provide me with the documentation they used to validate the XXXX XXXX item on my credit report. This documentation must include the original creditor documentation for the account being reported and documentation showing the exact date the account went delinquent. \n\nBelow is the Experian Auto Response Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. \nWe have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. \n\nFor additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit XXXX. \n\nThank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.","date_sent_to_company":"2016-01-17T20:08:35.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"40014","tags":null,"has_narrative":true,"complaint_id":"1744815","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-01-17T20:08:34.000Z","state":"KY","company_public_response":"Company chooses not to provide a public response","sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["The complaint # is <em>XXXX</em> and it is still open. The <em>CFPB</em> responded Experian has provided a partial <em>response</em>. I have pasted their <em>response</em> below. In their <em>response</em> they say they will contract the data furnisher. This item was already <em>disputed</em> several weeks ago by me and denied by Experian as they stated they validated its accuracy. I put this in my original <em>CFPB</em> complaint."],"company_public_response":["Company chooses not to provide a public <em>response</em>"]},"sort":[13.605285,"1744815"]},{"_index":"complaint-public-v1","_id":"23108802","_score":13.544722,"_source":{"product":"Mortgage","complaint_what_happened":"SUPERVISOR XXXX XXXX please take action. \n\n\n\nCFPB Complaint Procedural NonCompliance, Deliberate Stalling, and Avoidance of Portal Requirements Complaint Narrative ( Aggressive LegalTone Version ) I am filing this complaint to report what appears to be a deliberate pattern of procedural noncompliance by U.S. Bank in its handling of multiple CFPB complaints related to the Estate of XXXX XXXX. This complaint is not about the underlying servicing dispute. It is about the companys ongoing refusal to comply with the CFPBs required method of response, its attempts to move communication outside the federal record, and its continued stalling tactics, which have prevented any progress since XX/XX/year>. \n\nUnder the CFPBs complainthandling requirements, companies must provide full, substantive responses directly in the CFPB portal, including documentation, timelines, and explanations addressing each issue raised. A mailed letter does not satisfy this requirement and prevents the CFPB from reviewing the companys response. It also prevents the consumer from receiving a complete, federally documented record. \n\nDespite these requirements, U.S. Bank has repeatedly : Sent mailed letters instead of posting responses in the portal Filed interim responses that contain no substance and no documentation Avoided answering the issues raised in any of the complaints Attempted to shift communication to voicemailonly phone numbers Failed to provide any email contact or written communication that satisfies federal recordkeeping Ignored the fact that this matter has been ongoing since XXXX, with no plan, no action, and no resolution This conduct appears intentional. It is clear the bank is using the CFPB interimresponse mechanism to stall, delay accountability, and avoid creating a federally reviewable record. I have explained this pattern in multiple prior CFPB complaints, yet the bank continues to go around the bush to avoid answering directly in the portal. \n\nI have called the number provided ( XXXX ) XXXX times. It rings once and goes straight to an automatic voicemail for XXXX. No one has returned my calls. No email address has been provided. No portal documentation has been uploaded. No substantive response has been given. This is not a goodfaith attempt to resolve anything. \n\nGiven the number of complaints filed, the length of time this has been ongoing, and the banks repeated refusal to comply with the CFPBs response requirements, I am requesting : 1. Immediate supervisory review of U.S. Banks handling of all prior complaints.\n\n2. A determination of whether the company is intentionally avoiding the CFPB portal to evade federal oversight.\n\n3. A requirement that U.S. Bank provide a full, substantive response in the portal, including documentation, timelines, and explanations addressing each issue raised.\n\n4. A review of whether the companys repeated mailed letters and interim responses constitute a pattern of noncompliance with CFPB complainthandling rules.\n\nThis matter has been ongoing since XXXX, and U.S. Bank has taken no action and provided no plan. Their conduct undermines the integrity of the CFPB complaint process and prevents meaningful federal review. \n\nI have sent XXXX RESPAbased demand letter to U.S. Bank","date_sent_to_company":"2026-06-11T12:37:23.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"55443","tags":null,"has_narrative":true,"complaint_id":"23108802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-06-11T12:28:22.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["SUPERVISOR <em>XXXX</em> <em>XXXX</em> please take action. \n\n\n\n<em>CFPB</em> Complaint Procedural NonCompliance, Deliberate Stalling, and Avoidance of Portal Requirements Complaint Narrative ( Aggressive LegalTone Version ) I am filing this complaint to report what appears to be a deliberate pattern of procedural noncompliance by U.S. Bank in its handling of multiple <em>CFPB</em> complaints related to the Estate of <em>XXXX</em> <em>XXXX</em>. This complaint is not about the underlying servicing <em>dispute</em>."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public <em>response</em>"]},"sort":[13.544722,"23108802"]},{"_index":"complaint-public-v1","_id":"10280645","_score":13.524579,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX. CFPB Complaint Against Equifax Filing Date : XXXX Dispute Filed Date : XX/XX/ Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XX/XX/, I filed a dispute with Equifax regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, Equifax processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Equifax was unsatisfactory, vague, and did not address the specific questions I raised. \nEquifax Response : Equifax used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, Equifax stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY XXXX  EQUIFAX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. \nThis response failed to address my specific request for a manual review, and Equifax provided a generic response about their standard procedures rather than directly answering the questions I posed.","date_sent_to_company":"2024-09-29T19:48:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"10280645","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-29T19:40:03.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em>. <em>CFPB</em> Complaint Against Equifax Filing Date : <em>XXXX</em> <em>Dispute</em> Filed Date : <em>XX/XX</em>/ Subject : Failure to Conduct a Manual <em>Review</em> of <em>Dispute</em> as Requested Use of E-Oscar System Summary of Issue : On <em>XX/XX</em>/, I filed a <em>dispute</em> with Equifax regarding inaccurate information on my credit report. I explicitly requested a manual <em>review</em> of the <em>disputed</em> information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked."]},"sort":[13.524579,"10280645"]},{"_index":"complaint-public-v1","_id":"18232455","_score":13.519405,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this follow-up dispute to formally challenge the continued reporting of an account that remains inaccurate, disputed, and unresolved, despite escalation through the Consumer Financial Protection Bureau ( CFPB ).\n\nThis dispute specifically references a CFPB complaint in which the furnisher responded and marked the matter closed with explanation, without resolving the accuracy of the account. The CFPB record and the furnishers response demonstrate that the dispute remains active and unresolved, and therefore the account can not lawfully continue to be reported as accurate.\n\nBackground and CFPB Reference I filed a CFPB complaint regarding this account after repeated disputes failed to result in correction. The furnisher responded to the CFPB but did not provide independent verification of authorization, relied primarily on internal records, and did not substantively resolve the dispute. Despite this, the account continues to appear on my credit file.\n\nThe CFPB case and the furnishers response confirm : The account remains formally disputed The accuracy of the account is contested The furnisher relied on internal documentation rather than independent verification The matter was administratively closed, not factually resolved Administrative closure does not convert disputed information into verified information.\n\nWhy Continued Reporting Is Improper Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies may not continue to report information as accurate when : The consumer has disputed the account The dispute remains unresolved Verification relies solely on furnisher confirmation without independent substantiation The CFPB response demonstrates that the furnisher did not provide independent proof of authorization and did not resolve the underlying dispute. As such, continued reporting violates FCRA 611 and 607 ( b ).\n\nRequired Reinvestigation I am requesting a new reinvestigation that includes : Review of the CFPB complaint and the furnishers response Determination of whether the furnisher provided independent verification, not merely internal confirmation Confirmation of whether the account can be verified beyond dispute If the furnisher can not provide lawful verification, the account must be deleted.\n\nRequired Action Please take one of the following actions in compliance with federal law : Delete the account if it can not be independently verified, or Provide written confirmation of the specific method of verification used, including : What documents were reviewed How authorization was verified Whether identity theft indicators were evaluated Absent this, continued reporting is improper.\n\nNotice of Record Escalation This dispute is part of an escalation record that includes : Prior bureau disputes A CFPB complaint A furnisher response acknowledging the dispute but not resolving it Please ensure that the outcome of this reinvestigation is accurate, documented, and compliant with the FCRA.\n\nConclusion Because the CFPB record confirms that this dispute remains unresolved, I am requesting immediate corrective action. Continued reporting without lawful verification is not permitted.\n\nPlease complete this reinvestigation within the statutory timeframe and provide written confirmation of the outcome.\n\nWhere to Use These Equifax Upload as additional dispute explanation or mail Experian Paste into Add a statement / upload document TransUnion Upload as dispute attachment or mail If you want next, I can : Customize each letter by bureau name Add identity theft language ( if applicable ) Prepare a final reinsertion-blocking notice Draft a notice of intent to escalate if deletion fails Convert this into certified mail format Just tell me which bureau youre submitting to first. \n\ninclude the name of the company that I am complaining - XXXX XXXX XXXX Below is the revised credit bureau follow-up dispute, now explicitly naming the furnisher : XXXX XXXX XXXX XXXX and referencing the CFPB record and company response. \nThis version is ready to send to Equifax, Experian, and TransUnion. \n\nXXXX XXXX  CREDIT BUREAU FOLLOW-UP DISPUTE ( XXXX XXXX XXXX XXXX XXXX XXXX * Re : Formal Follow-Up Dispute XXXX XXXX XXXX XXXX I am submitting this formal follow-up dispute regarding the continued reporting of an account furnished by XXXX XXXX XXXX XXXX, which remains inaccurate , disputed , and unresolved, despite escalation through the Consumer Financial Protection Bureau ( CFPB ).\n\nThis dispute specifically references a CFPB complaint filed against XXXX XXXX XXXX XXXX, in which the company submitted a response and marked the matter closed with explanation, even though the accuracy and authorization of the account remain disputed. \n\nBackground and CFPB Reference After repeated disputes failed to result in correction, I escalated this matter to the CFPB. XXXX XXXX XXXX XXXX responded to the CFPB complaint ; however, the response did not resolve the dispute. \n\nThe CFPB record confirms that : The account furnished by XXXX XXXX XXXX XXXX remains formally disputed The company relied primarily on internal records and servicing history No independent verification of consumer authorization was provided The case was administratively closed, not factually resolved An administrative closure does not convert disputed information into verified or accurate information. \n\nWhy Continued Reporting by XXXX XXXX XXXX Is Improper Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies may not continue reporting information as accurate when : The consumer has disputed the account The dispute remains unresolved Verification relies solely on furnisher confirmation rather than independent substantiation The CFPB response from XXXX XXXX XXXX XXXX demonstrates that the company did not provide independent proof of authorization and did not cure the dispute. Continued reporting under these circumstances violates FCRA 611 and 607 ( b ).\n\nRequired Reinvestigation I am requesting a new reinvestigation that includes : Review of the CFPB complaint and XXXX XXXX XXXX XXXX response Determination of whether the furnisher provided independent verification, not merely internal confirmation Assessment of whether the account can be verified beyond dispute If XXXX XXXX XXXX XXXX can not provide lawful verification, the account must be deleted. \n\nRequired Action Please take one of the following actions in compliance with federal law : Delete the XXXX XXXX XXXX account if it can not be independently verified, or Provide written confirmation of the specific method of verification used, including : What documents were reviewed How authorization was verified Whether identity theft or fraud indicators were evaluated Absent this, continued reporting is improper. \n\nNotice of Record Escalation This dispute is part of an escalation record that includes : Prior credit bureau disputes A CFPB complaint naming XXXX XXXX XXXX XXXX A company response acknowledging the dispute but not resolving it Please ensure the outcome of this reinvestigation is accurate, documented, and FCRA-compliant. \n\nConclusion Because the CFPB record confirms that the dispute with XXXX XXXX XXXX XXXX remains unresolved, I am requesting immediate corrective action. Continued reporting without lawful verification is not permitted. \n\nPlease complete this reinvestigation within the statutory timeframe and provide written confirmation of the outcome.","date_sent_to_company":"2025-12-22T22:55:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63366","tags":null,"has_narrative":true,"complaint_id":"18232455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-22T22:48:01.000Z","state":"MO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This <em>dispute</em> specifically references a <em>CFPB</em> complaint filed against <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, in which the company submitted a <em>response</em> and marked the matter closed with explanation, even though the accuracy and authorization of the account remain <em>disputed</em>. \n\nBackground and <em>CFPB</em> Reference After repeated <em>disputes</em> failed to result in correction, I escalated this matter to the <em>CFPB</em>. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> responded to the <em>CFPB</em> complaint ; however, the <em>response</em> did not resolve the <em>dispute</em>."]},"sort":[13.519405,"18232455"]},{"_index":"complaint-public-v1","_id":"17113872","_score":13.513147,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this rebuttal as XXXX XXXX, XXXX provided false and misleading information in their response to the CFPB and continued collection activity despite being notified of a fraud dispute. \n\nVelocity stated to the CFPB that the account was placed on hold while the account is investigated and that no further action would occur until the investigation was concluded. This statement is untrue and materially misleading. No investigation was conducted, no findings were provided to me, and legal collection efforts continued. \n\nViolations & Misconduct XXXX. Misrepresentation to the CFPB XXXX response falsely claims an investigation was initiated and the account was placed on hold. In reality, they proceeded with legal enforcement actions, including moving forward with garnishment. Providing false or misleading information to the CFPB is a direct violation of federal consumer protection standards. \n\nXXXX. Continued Collection Activity During a Fraud Dispute Once a fraud dispute is raised, a collector is required to pause collection efforts pending review. Instead, Velocity and its legal counsel continued pursuing judgment enforcement. This constitutes improper and abusive collection conduct. \n\nXXXX. Failure to Provide Any Investigation Results or Debt Validation Velocity stated the consumer would be notified at the conclusion of the investigation. To date, I have received no investigation outcome, no validation, and no communication whatsoever. Closing a dispute without investigating is a direct violation of a reasonable review standard and fails to meet basic requirements of a fair credit dispute process","date_sent_to_company":"2025-11-08T19:40:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"239XX","tags":null,"has_narrative":true,"complaint_id":"17113872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2025-11-08T19:40:07.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am submitting this rebuttal as <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> provided false and misleading information in their <em>response</em> to the <em>CFPB</em> and continued collection activity despite being notified of a fraud <em>dispute</em>. \n\nVelocity stated to the <em>CFPB</em> that the account was placed on hold while the account is investigated and that no further action would occur until the investigation was concluded. This statement is untrue and materially misleading."]},"sort":[13.513147,"17113872"]},{"_index":"complaint-public-v1","_id":"10473932","_score":13.49911,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Against Experian Filing Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XX/XX/year>, I filed a dispute with Experian regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, XXXX processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Experian was unsatisfactory, vague, and did not address the specific questions I raised. \nExperian Response : Experian used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, Experian stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... Experian MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. \nThis response failed to address my specific request for a manual review, and Experian provided a generic response about their standard procedures rather than directly answering the questions I posed.","date_sent_to_company":"2024-10-16T22:43:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"313XX","tags":null,"has_narrative":true,"complaint_id":"10473932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-16T22:35:15.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>CFPB</em> Complaint Against Experian Filing Date : XX/XX/scrub><em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXX/XX/year> Subject : Failure to Conduct a Manual <em>Review</em> of <em>Dispute</em> as Requested Use of E-Oscar System Summary of Issue : On XX/XX/year>, I filed a <em>dispute</em> with Experian regarding inaccurate information on my credit report."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public <em>response</em>"]},"sort":[13.49911,"10473932"]},{"_index":"complaint-public-v1","_id":"1957637","_score":13.495317,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX, 2016, I submitted a complaint ( Complaint # XXXX ) to the Consumer Financial Protection Bureau ( CFPB ). The description of my complaint is shown in the CFPB documentation. \nThe CFPB submitted my complaint to the mortgage underwriter ( Wells Fargo ) for review. As you might expect from an internal self-audit like this by Wells Fargo, their response was incomplete.I immediately disputed their response with the CFPB. \nNow I would like to proceed to the next level with my complaint, which would appear to be the US Department of Justice with whom these XXXX financial settlements were reached. Or perhaps the CFPB might recommend another approach to obtain an independent assessment of my complaint.","date_sent_to_company":"2016-06-09T13:37:55.000Z","issue":"Application, originator, mortgage broker","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"201XX","tags":"Older American","has_narrative":true,"complaint_id":"1957637","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2016-06-07T11:16:46.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["In <em>XXXX</em>, 2016, I submitted a complaint ( Complaint # <em>XXXX</em> ) to the Consumer Financial Protection Bureau ( <em>CFPB</em> ). The description of my complaint is shown in the <em>CFPB</em> documentation. \nThe <em>CFPB</em> submitted my complaint to the mortgage underwriter ( Wells Fargo ) for <em>review</em>. As you might expect from an internal self-audit like this by Wells Fargo, their <em>response</em> was incomplete.I immediately <em>disputed</em> their <em>response</em> with the <em>CFPB</em>."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public <em>response</em>"]},"sort":[13.495317,"1957637"]},{"_index":"complaint-public-v1","_id":"5559182","_score":13.485418,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In response to the CFPB closing my complaint on XXXX, regarding incorrect addresses on my credit report - the CFPB stated We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint you indicate that there are incorrect items listed on your credit report. You are requesting these items be removed. Regarding two addresses, according to our records, the disputed information does not appear on your current Experian credit report. We are in the process of mailing a report to you for review and confirmation. However I have pulled my credit report on XX/XX/2022, 2 days after the CFPB closed the compliant and on the attached Experian credit report both of the erroneous addresses still exist. So either the CFPB did not adequately review my credit report, the CFPB did not actually review my credit report, or Experian gave an erroneous credit report.","date_sent_to_company":"2022-05-14T00:21:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21207","tags":null,"has_narrative":true,"complaint_id":"5559182","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-05-13T23:57:33.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["In <em>response</em> to the <em>CFPB</em> closing my complaint on <em>XXXX</em>, regarding incorrect addresses on my credit report - the <em>CFPB</em> stated We have <em>reviewed</em> and considered the information you have supplied through the <em>CFPB</em> portal and directly to Experian. In your complaint you indicate that there are incorrect items listed on your credit report. You are requesting these items be removed."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public <em>response</em>"]},"sort":[13.485418,"5559182"]},{"_index":"complaint-public-v1","_id":"19687239","_score":13.464297,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXX XXXX XXXX CFPB Complaint ID XXXX ( Related XXXX Case XXXX ) XXXX XXXX XXXX / Wells Fargo Claim # XXXX Account ending XXXX / Debit card ending XXXX I dispute Wells Fargos response as incomplete and inconsistent with the record.\n\nWells Fargos response confirms that no dispute was submitted to the Visa network and that the matter was reviewed under processing error, nonreceipt, and duplicate charge criteria. This is the first written confirmation of that position. It is inconsistent with multiple prior verbal representations made by Wells Fargo Executive Office representatives beginning in XX/XX/XXXX, during which Visa filings were described as having occurred and VROL reference numbers were provided. Our records of those calls are based on contemporaneous notes. \n\nThe disputed transactions involve diagnostic services for which usable deliverables were not provided. This differs from processing error or nonreceipt and was not evaluated under a service-not-as-described or defective-deliverables framework. Wells Fargos response does not explain why the dispute was not evaluated under that framework. \n\nThis matter remains under active supervisory review by the Office of the Comptroller of the Currency ( XXXX XXXX XXXX ). Wells Fargos XX/XX/XXXX CFPB response has been submitted to the XXXX as supplemental evidence.","date_sent_to_company":"2026-02-22T03:55:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"54911","tags":"Older American","has_narrative":true,"complaint_id":"19687239","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-02-22T03:40:53.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Wells Fargos <em>response</em> does not explain why the <em>dispute</em> was not evaluated under that framework. \n\nThis matter remains under active supervisory <em>review</em> by the Office of the Comptroller of the Currency ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ). Wells Fargos XX/XX/<em>XXXX</em> <em>CFPB</em> <em>response</em> has been submitted to the <em>XXXX</em> as supplemental evidence."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public <em>response</em>"]},"sort":[13.464297,"19687239"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":12238,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":12238}]}},"product":{"doc_count":12238,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":8172,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":8105},{"key":"Other personal consumer report","doc_count":67}]}},{"key":"Debt 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