{"took":136,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":194,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21159295","_score":22.749027,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Navy Federal Credit Union regarding their handling of a dispute involving negligent automotive repair services that resulted in substantial financial loss and safety risk. \n\nThis complaint extends beyond a disputed charge. It involves failure to conduct a thorough investigation, premature closure of a claim, admission of internal error, and continued delay despite full evidence being providedall of which raise serious concerns under the Fair Credit Billing Act ( FCBA ). \n\nBackground of the Dispute On XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX and an XXXX  ( XXXX ) sensor, which were installed by XXXX. \n\nImmediately following this installation : The vehicle began malfunctioning Performance declined significantly Safety concerns became evident Subsequent findings confirmed : Damage to engine and brake-related wiring Compromised fuel system, including a damaged gas line The vehicle was rendered unsafe and ultimately undrivable The vehicle later failed completely and was deemed unsafe by a mechanic, forcing me to impound it and purchase a replacement vehicle. \n\nFinancial Impact As a direct result, I incurred total damages of : {$4200.00} Additionally, I had invested {$1600.00} on XX/XX/year> to maintain the vehicle, demonstrating responsible ownership and maintenance prior to this incident. \n\nDispute Process & Procedural Failures I formally disputed these charges with Navy Federal and provided all requested documentation supporting my claim, including evidence of : Negligent installation Resulting mechanical damage Financial losses directly tied to the service However, Navy Federals handling of this dispute has been deeply concerning : Failure to Conduct a Thorough Investigation My dispute was closed without a complete or proper review of the evidence submitted.\n\nAdmission of Error by Navy Federal After closing the claim, I received communication from Navy Federal acknowledging that : Documentation had been submitted as requested The claim had not been properly reviewed They apologized and reopened the dispute, confirming that the initial closure was their mistake.\n\nContinued Delay & Lack of Resolution Despite reopening the case and having all relevant documentation : Navy Federal has failed to move forward in a timely manner They are delaying resolution despite having the necessary evidence No provisional credit has been issued No clear or substantive updates have been provided This pattern reflects procedural negligence and failure to meet dispute resolution standards.\n\nRequests Made to Navy Federal I formally requested : XXXX. Full reimbursement of {$4200.00} XXXX. Provisional credit during the investigation XXXX. A complete investigation under the Fair Credit Billing Act XXXX. A written explanation for any delay or denial XXXX. Copies of all documentation used in their decision-making XXXX. Confirmation of compliance with federal dispute timelines These requests have not been properly fulfilled. \n\nLegal Concerns Under the Fair Credit Billing Act, financial institutions are required to : Conduct a reasonable and thorough investigation Avoid premature or unsupported claim closures Resolve disputes within two billing cycles ( maximum 90 days ) Correct billing errors when services were not properly rendered The failure to properly investigate, combined with an admitted internal error and continued delay, raises serious concerns about compliance with these requirements.\n\nRequested Resolution I am requesting the CFPBs assistance to ensure : Immediate full reimbursement of {$4200.00} Proper handling and completion of the dispute Accountability for the premature closure and procedural errors Assurance that Navy Federal complies with federal dispute resolution laws Closing Statement I acted in good faith, provided all requested documentation, and followed the proper dispute process. Navy Federal initially failed to properly review my claim, admitted their error, and has since continued to delay resolution despite having all necessary information. \n\nThis is not simply a delay, it is a failure of process, oversight, and compliance. \n\nI respectfully request intervention to ensure this matter is resolved fairly and in accordance with federal law.","date_sent_to_company":"2026-04-11T13:48:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90043","tags":null,"has_narrative":true,"complaint_id":"21159295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-04-11T13:24:22.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["It involves failure to conduct a thorough investigation, premature closure of a claim, admission of internal <em>error</em>, and <em>continued</em> <em>delay</em> <em>despite</em> <em>full</em> <em>evidence</em> <em>being</em> providedall of which raise serious concerns under the Fair Credit Billing Act ( FCBA ). \n\nBackground of the Dispute On XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX and an XXXX  ( XXXX ) sensor, which were installed by XXXX."]},"sort":[22.749027,"21159295"]},{"_index":"complaint-public-v1","_id":"21439751","_score":20.727634,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing an additional complaint against Cash App for wrongful denial of my dispute and failure to return my funds despite clear evidence. Cash Apps actions violate the Electronic Fund Transfer Act and Regulation E ( 12 CFR Part 1005 ), which require financial institutions to properly investigate reported errors, consider submitted evidence, and provide appropriate resolution including refund or provisional credit when applicable. Cash Apps conduct also raises concerns under UDAAP standards enforced by the Consumer Financial Protection Bureau. I provided clear evidence in the form of a direct email from XXXX confirming that the transaction in question was charged to my mothers XXXX debit card ending in XXXX and not my Cash App account. Despite this, Cash App denied my dispute, closed the case, and refused to issue a refund or provisional credit. Cash App also failed to properly investigate the evidence provided and instead misdirected the issue toward XXXX, even though XXXX is not responsible for any transaction involving my Cash App account. I did not request that Cash App contact XXXX on my behalf. Additionally, my Cash App account was previously restricted for nearly two years, which significantly delayed my access to my funds and compounded the financial harm caused by this issue. Now that access has been restored, Cash App is still refusing to return my full balance or correct the error.This issue is affecting my livelihood, as I am being forced to miss work due to the lack of access to my funds.There is no reasonable basis for Cash App to deny my dispute or continue any further investigation, as the email evidence clearly shows the charge was processed on my mothers XXXX debit card ending in XXXX. Despite this, Cash App has still refused to issue my refund. As a result, my funds remain missing, and Cash App has failed to provide a proper resolution despite clear documentation of the error.","date_sent_to_company":"2026-04-21T14:57:55.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07017","tags":null,"has_narrative":true,"complaint_id":"21439751","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-04-21T14:50:15.000Z","state":"NJ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Now that access has been restored, Cash App is still refusing to return my <em>full</em> balance or correct the <em>error</em>.This issue is affecting my livelihood, as I am <em>being</em> forced to miss work due to the lack of access to my funds.There is no reasonable basis for Cash App to deny my dispute or <em>continue</em> any further investigation, as the email <em>evidence</em> clearly shows the charge was processed on my mothers XXXX debit card ending in XXXX. <em>Despite</em> this, Cash App has still refused to issue my refund."]},"sort":[20.727634,"21439751"]},{"_index":"complaint-public-v1","_id":"15472226","_score":19.653793,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax is knowingly reporting false information despite receiving all official payoff documents and proof of their errors. \n\n\n\nFull Complaint Narrative I am filing this complaint against Equifax for willfully maintaining false, damaging, and misleading information on my credit report and for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) Section 611. \n\nMy XXXX XXXX auto loan was paid off in full by XXXX, and I have all supporting documents uploaded with this complaint, including : The official XXXX payoff confirmation XXXX  account records showing the loan as paid with a {$0.00} balance Screenshots of Equifaxs own reporting errors on their website Despite being provided this documentation during my initial dispute, Equifax continues to report the XXXX  account with the inaccurate remark Consumer Disputes After Resolution and without updating the account to the correct status of Paid in Full {$0.00} Balance Closed. \n\nOn top of that, Equifaxs reporting and website errors at one point made it appear that I still owed money on this loan that was already satisfied by XXXX. This is false, misleading, and harmful reporting that has damaged my creditworthiness and has caused me unnecessary stress and delays with lenders reviewing my report. \n\nEquifaxs response to my initial dispute was a generic canned reply with no evidence, no documentation, and no explanation of how they verified this tradeline. This clearly violates FCRA requirements for a reasonable reinvestigation and proper disclosure of verification methods. \n\nI am demanding the following actions : 1. Immediate correction of the XXXX tradeline to reflect Paid in Full {$0.00} Balance Closed. \n2. Removal of the inaccurate Consumer Disputes After Resolution remark. \n3. Full disclosure of the sources, methods, and records used during the original reinvestigation. \n\nEquifax has all the proof, including the official payoff confirmation and their own website errors showing incorrect balances. Their continued refusal to correct this information is willful noncompliance and a direct violation of the FCRA. If this issue is not corrected immediately, I will escalate further with legal counsel and additional regulatory filings to hold Equifax fully accountable. \n\n\n\nAttachments to Upload Exhibit A : XXXX official payoff confirmation Exhibit B : Ally account statement or closure confirmation Exhibit C : Screenshots of Equifaxs inaccurate reporting and website errors Exhibit D : Original dispute letter and proof of Equifaxs inadequate response","date_sent_to_company":"2025-08-24T05:35:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"912XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15472226","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-24T05:20:22.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["My XXXX XXXX auto loan was paid off in <em>full</em> by XXXX, and I have all supporting documents uploaded with this complaint, including : The official XXXX payoff confirmation XXXX  account records showing the loan as paid with a {$0.00} balance Screenshots of Equifaxs own reporting <em>errors</em> on their website <em>Despite</em> <em>being</em> provided this documentation during my initial dispute, Equifax <em>continues</em> to report the XXXX  account with the inaccurate remark Consumer Disputes After Resolution and without updating the"]},"sort":[19.653793,"15472226"]},{"_index":"complaint-public-v1","_id":"9255233","_score":18.893284,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I trust this message finds you well. I am writing to bring to your attention two critical issues pertaining to my credit report that require immediate resolution.\n\nFirstly, despite making full payment on my account with XXXX XXXX XXXX in XX/XX/XXXX, the credit report continues to inaccurately reflect a balance owed. I have diligently pursued resolution of this matter by engaging in multiple discussions with XXXX XXXX and the branch manager over the past two months. Regrettably, despite these efforts, the credit bureau has yet to be updated to reflect the XXXX balance as confirmed by the bank officials. \n\nSecondly, I must address a concerning discrepancy regarding a missed payment with XXXXXXXX XXXX XXXX in XX/XX/XXXX. This isolated incident is entirely uncharacteristic of my financial history, as evidenced by a pristine record of timely payments over the past three years. The missed payment occurred despite the payment being set on auto-draft, indicating a potential error or oversight beyond my control.\n\nAs I am actively in the process of securing a mortgage to purchase a home, the accuracy of my credit report is paramount. The unresolved balance and the adverse impact of the missed payment have significantly affected my credit score, potentially jeopardizing my ability to proceed with this important financial endeavor.\n\nIn light of these circumstances, I urgently request your assistance in promptly rectifying these discrepancies and ensuring the accuracy of my credit report. I am prepared to provide any documentation or evidence necessary to support my claims and facilitate the expedited resolution of these matters.\n\nYour prompt attention to this request is greatly appreciated. I trust that you will take the necessary steps to address these issues and restore the integrity of my credit report without further delay.\n\nThank you for your time and consideration.","date_sent_to_company":"2024-06-13T20:38:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"9255233","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-13T20:38:56.000Z","state":"NV","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This isolated incident is entirely uncharacteristic of my financial history, as <em>evidenced</em> by a pristine record of timely payments over the past three years. The missed payment occurred <em>despite</em> the payment <em>being</em> set on auto-draft, indicating a potential <em>error</em> or oversight beyond my control.\n\nAs I am actively in the process of securing a mortgage to purchase a home, the accuracy of my credit report is paramount."]},"sort":[18.893284,"9255233"]},{"_index":"complaint-public-v1","_id":"9255230","_score":18.885761,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I trust this message finds you well. I am writing to bring to your attention two critical issues pertaining to my credit report that require immediate resolution.\n\nFirstly, despite making full payment on my account with XXXX XXXX XXXX in XX/XX/XXXX, the credit report continues to inaccurately reflect a balance owed. I have diligently pursued resolution of this matter by engaging in multiple discussions with XXXX XXXX and the branch manager over the past two months. Regrettably, despite these efforts, the credit bureau has yet to be updated to reflect the XXXX balance as confirmed by the bank officials. \n\nSecondly, I must address a concerning discrepancy regarding a missed payment with XXXX XXXX XXXX in XX/XX/XXXX. This isolated incident is entirely uncharacteristic of my financial history, as evidenced by a pristine record of timely payments over the past three years. The missed payment occurred despite the payment being set on auto-draft, indicating a potential error or oversight beyond my control.\n\nAs I am actively in the process of securing a mortgage to purchase a home, the accuracy of my credit report is paramount. The unresolved balance and the adverse impact of the missed payment have significantly affected my credit score, potentially jeopardizing my ability to proceed with this important financial endeavor.\n\nIn light of these circumstances, I urgently request your assistance in promptly rectifying these discrepancies and ensuring the accuracy of my credit report. I am prepared to provide any documentation or evidence necessary to support my claims and facilitate the expedited resolution of these matters.\n\nYour prompt attention to this request is greatly appreciated. I trust that you will take the necessary steps to address these issues and restore the integrity of my credit report without further delay.\n\nThank you for your time and consideration.","date_sent_to_company":"2024-06-13T20:38:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"9255230","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-13T20:38:56.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This isolated incident is entirely uncharacteristic of my financial history, as <em>evidenced</em> by a pristine record of timely payments over the past three years. The missed payment occurred <em>despite</em> the payment <em>being</em> set on auto-draft, indicating a potential <em>error</em> or oversight beyond my control.\n\nAs I am actively in the process of securing a mortgage to purchase a home, the accuracy of my credit report is paramount."]},"sort":[18.885761,"9255230"]},{"_index":"complaint-public-v1","_id":"9255061","_score":18.880053,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I trust this message finds you well. I am writing to bring to your attention XXXX critical issues pertaining to my credit report that require immediate resolution. \n\nFirstly, despite making full payment on my account with Nevada State Bank in XX/XX/XXXX, the credit report continues to inaccurately reflect a balance owed. I have diligently pursued resolution of this matter by engaging in multiple discussions with XXXX XXXX and the branch XXXX over the past XXXX months. Regrettably, despite these efforts, the credit bureau has yet to be updated to reflect the XXXX balance as confirmed by the bank officials. \n\nSecondly, I must address a concerning discrepancy regarding a missed payment with Nevada State Bank in XX/XX/XXXX. This isolated incident is entirely uncharacteristic of my financial history, as evidenced by a pristine record of timely payments over the past XXXX years. The missed payment occurred despite the payment being set on auto-draft, indicating a potential error or oversight beyond my control. \n\nAs I am actively in the process of securing a mortgage to purchase a home, the accuracy of my credit report is paramount. The unresolved balance and the adverse impact of the missed payment have significantly affected my XXXX XXXX, potentially jeopardizing my ability to proceed with this important financial endeavor. \n\nIn light of these circumstances, I urgently request your assistance in promptly rectifying these discrepancies and ensuring the accuracy of my credit report. I am prepared to provide any documentation or evidence necessary to support my claims and facilitate the expedited resolution of these matters. \n\nYour prompt attention to this request is greatly appreciated. I trust that you will take the necessary steps to address these issues and restore the integrity of my credit report without further delay. \n\nThank you for your time and consideration.","date_sent_to_company":"2024-06-13T20:38:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"9255061","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ZIONS BANCORPORATION","date_received":"2024-06-13T20:09:42.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This isolated incident is entirely uncharacteristic of my financial history, as <em>evidenced</em> by a pristine record of timely payments over the past XXXX years. The missed payment occurred <em>despite</em> the payment <em>being</em> set on auto-draft, indicating a potential <em>error</em> or oversight beyond my control. \n\nAs I am actively in the process of securing a mortgage to purchase a home, the accuracy of my credit report is paramount."]},"sort":[18.880053,"9255061"]},{"_index":"complaint-public-v1","_id":"13565263","_score":18.108683,"_source":{"product":"Prepaid card","complaint_what_happened":"In XXXX  2025, I used a {$1700.00} Affirm Virtual Card to make a purchase at XXXX XXXX. On the same day ( XX/XX/XXXX ), I canceled the transaction because I didnt receive the items I needed. XXXX XXXX initiated a refund but instead of returning the full {$1700.00}, they only refunded {$1600.00}, leaving a {$2.00} discrepancy. Affirm is now billing me for {$31.00}, which includes interest on this {$2.00}. \n\nIve contacted both Affirm and XXXX XXXX multiple times : XXXX XXXX managers refused to escalate the issue or correct the refund, despite multiple calls and documentation. \nAffirm acknowledged my dispute but continues to send me emails and texts about delinquency. \nI submitted screenshots showing the transaction was canceled and no goods or services were received. \nAffirm told me to send evidence to customerservice @ affirm.com, but then claimed that email wasnt monitored causing more delays and confusion. \n\nDespite submitting proof of cancellation and a {$0.00} balance from XXXX XXXX, Affirm continues to : Demand payment on a purchase that never occurred Apply predatory interest on {$2.00} Send frequent threatening messages including phone calls. \nWarn me that negative credit reporting is imminent This is causing significant emotional distress, especially as someone on a fixed income with a XXXX. Im being harassed over an error between two billion-dollar companies, and I refuse to pay for goods I never received.\n\nI am requesting : 1. That the remaining {$31.00} balance be waived 2. That no negative marks be reported to credit bureaus 3. That both Affirm and XXXX XXXX update my records accordingly Im prepared to escalate this through legal and consumer protection channels if necessary.","date_sent_to_company":"2025-05-18T00:44:52.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"93703","tags":"Older American","has_narrative":true,"complaint_id":"13565263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-05-18T00:26:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["Affirm told me to send <em>evidence</em> to customerservice @ affirm.com, but then claimed that email wasnt monitored causing more <em>delays</em> and confusion. \n\n<em>Despite</em> submitting proof of cancellation and a {$0.00} balance from XXXX XXXX, Affirm <em>continues</em> to : Demand payment on a purchase that never occurred Apply predatory interest on {$2.00} Send frequent threatening messages including phone calls."]},"sort":[18.108683,"13565263"]},{"_index":"complaint-public-v1","_id":"16529365","_score":17.956661,"_source":{"product":"Mortgage","complaint_what_happened":"To Whom It May Concern : I am filing this complaint against Shellpoint Mortgage Servicing for inaccurate credit reporting, failure to correct an acknowledged servicing error, and unfair treatment following the refinance payoff of my mortgage. \n\nShellpoints refusal to remove a derogatory late payment mark despite having full knowledge that the delay was caused by a third-party settlement company, not me has caused severe and ongoing financial harm. \n\n1. Background and Timeline I was a mortgage customer of Shellpoint Mortgage Servicing. \n\nMy mortgage was refinanced through XXXX XXXX XXXX, with the closing and payoff handled by XXXX XXXX XXXX, the settlement company selected by Optimum. \n\nThe payoff to Shellpoint was due on XX/XX/year>, but XXXX XXXX XXXX payoff was processed XXXX day late, XX/XX/year>. \n\nThis delay was entirely outside my control as the borrower. I had already completed all loan documents and obligations before the XX/XX/year> deadline. \n\n2. Shellpoints Improper Credit Reporting Despite being paid in full on XX/XX/year>, Shellpoint reported a late payment to the credit bureaus. This single entry has had a severe and disproportionate impact on my credit standing : A drop of more than XXXX points across all three major credit bureaus ( XXXX XXXX XXXX XXXX ) ; The appearance of a derogatory mark in early XX/XX/year> ; The potential for higher interest rates and lost financial opportunities as a result of this incorrect reporting. \n\nI contacted Shellpoints customer service department multiple times to explain that the payoff delay was due to the settlement companys one-day error, not any missed payment or inaction on my part.\n\nShellpoint representatives acknowledged receipt of the payoff but refused to remove or adjust the late mark, stating that the payment was received after the due date, without considering the documented context or my lack of fault.\n\n3. Shellpoints Noncompliance with FCRA and Servicing Standards Under the Fair Credit Reporting Act ( FCRA ), furnishers of credit information such as Shellpoint are required to : Accurately report information to the credit bureaus ; and Conduct a reasonable investigation when a dispute or error claim is raised.\n\nShellpoints continued refusal to correct this inaccuracy, despite clear evidence that I was not responsible for the delay, constitutes a violation of the FCRA.\n\nIt also reflects a failure to exercise good faith and fairness in mortgage servicing practices, in violation of the Consumer Financial Protection Act.\n\n4. Harm Suffered As a direct result of Shellpoints actions, I have suffered : A XXXX point credit score decrease, A derogatory tradeline that inaccurately suggests delinquency, Stress, financial disruption, and reputational harm, Loss of access to favorable credit terms and potential denials for future credit applications. \n\nThis situation has caused unnecessary hardship and damage to my financial reputation all stemming from an error I did not cause. \n\n5. Supporting Documentation I am prepared to provide the following documents to assist in this investigation : Final payoff statement showing payment receipt on XX/XX/year> ; Proof of closing and payment authorization on or before XX/XX/year> ; Communications from XXXX XXXX XXXX confirming the one-day delay ; Correspondence with Shellpoint Mortgage Servicing requesting correction ; Credit reports showing the derogatory mark posted in early XX/XX/year>. \n\n6. Conclusion Shellpoint Mortgage Servicings actions demonstrate a lack of fairness, accuracy, and compliance with federal consumer protection laws.\n\nAs the borrower, I fulfilled every financial obligation on time. The delayed payoff was the result of third-party negligence not my own and Shellpoints decision to penalize me for this has caused substantial and lasting damage. \n\nI request the CFPBs intervention to ensure the inaccurate information is corrected and that Shellpoint is held accountable for its actions.","date_sent_to_company":"2025-10-12T17:13:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Conventional home mortgage","zip_code":"201XX","tags":null,"has_narrative":true,"complaint_id":"16529365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-10-12T16:52:36.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This <em>delay</em> was entirely outside my control as the borrower. I had already completed all loan documents and obligations before the XX/XX/year> deadline. \n\n2. Shellpoints Improper Credit Reporting <em>Despite</em> <em>being</em> paid in <em>full</em> on XX/XX/year>, Shellpoint reported a late payment to the credit bureaus."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[17.956661,"16529365"]},{"_index":"complaint-public-v1","_id":"21057248","_score":17.544596,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am submitting this complaint regarding a blocked transfer of my wages in the amount of {$2300.00} from XX/XX/XXXX, which remains unresolved after more than XXXX years. \n\nI received my wages through a prepaid payroll card program managed by North Lane Technologies and issued by XXXX XXXX XXXX, with the transfer processed through XXXX. \n\nThe transfer was blocked under review by the XXXX XXXX XXXX XXXX XXXX ( XXXX ). I was instructed to apply for an XXXX XXXX  in XX/XX/XXXX. However, the company has now confirmed that the funds were not reported to XXXX until XX/XX/XXXX, meaning my application could not be processed because XXXX had no record of the funds at the time. This demonstrates that I was instructed to take action prematurely, which directly contributed to delays. \n\nIn XX/XX/XXXX, I was provided with transfer documentation that does not correspond to my transaction. The document references a different transfer dated XX/XX/XXXX, in the amount of {$3100.00}. Furthermore, the identifying details in that document including address and country do not match my personal information. The only matching elements are my first and last name. All other information is inconsistent with my identity and my transaction. \n\nDespite this, the company continues to assert that the documentation belongs to my account without providing any verifiable supporting evidence. \n\nAt this stage, I formally request that the company provide clear and verifiable proof to support their claim that both transactions belong to my account. This must include : Account identifiers demonstrating that both transactions are linked to my profile Full transaction history showing both transfers originating from my account Internal records explaining how a transaction containing different identifying information is attributed to me Without such evidence, the assertion that this document belongs to my account is not credible. \n\nAdditionally, the company has confirmed that the funds exist and are being held, but continues to require an XXXX XXXX  for release while failing to address the procedural errors and incorrect guidance that contributed to this situation. \n\nKey Issues I was instructed to apply for an XXXX license before the funds were reported There was a delay between XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( XXXX  ) I was provided with documentation that does not match my transaction The document contains identifying information inconsistent with my identity The company continues to assert ownership of the document without proof The funds have been withheld for over XXXX years","date_sent_to_company":"2026-04-08T17:11:31.000Z","issue":"Confusing or missing disclosures","sub_product":"International money transfer","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"21057248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Newport Intermediate Inc.","date_received":"2026-04-08T17:05:53.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Additionally, the company has confirmed that the funds exist and are <em>being</em> held, but <em>continues</em> to require an XXXX XXXX  for release while failing to address the procedural <em>errors</em> and incorrect guidance that contributed to this situation."]},"sort":[17.544596,"21057248"]},{"_index":"complaint-public-v1","_id":"20704616","_score":17.474125,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint Update XX/XX/2026 Purpose of This Update : I am submitting this update to place a critical new development on the official record. What I discovered on the night of XXXX XXXX XXXX fundamentally changes the nature of this complaint. \nSupervisor \" XXXX  '' ( XXXX ) Admission : After being placed on hold repeatedly every XXXX minutes for nearly XXXX minutes I finally reached a Citibank fraud supervisor who identified herself as \" XXXX  '' ( also referred to as XXXX ). She admitted that the verification letter was sent to a previous address pulled from public records, not the address I provided at account opening. My last XXXX address was in XXXX  over XXXX  years ago. Citibank used that outdated address instead of the one I gave them when I opened this account. \nRefusal to Correct Their Own Error : Despite openly admitting this mistake, Supervisor XXXX refused to resend the letter to my correct address, citing \" protocol. '' She provided no path to resolution whatsoever. \nUnprofessional Conduct on Record : When I asked who I could escalate this to, Supervisor XXXX  responded with a joke suggesting I take it to the Vice President of Citibank. I asked her directly not to make humor out of a serious financial hardship. This conduct is documented here for the record. \nCitibank Representative XXXX XXXX Citibank-Assigned Case Number : Following the call with Supervisor Gem, I was contacted by Citibank fraud representative XXXX XXXX XXXX XXXX. She assigned me the following case reference number, which was issued by Citibank not by CFPB : Citibank Case XXXX XXXX XXXX was entirely unaware of Supervisor XXXXXXXX XXXX admission until I informed her myself further evidence that Citibank 's departments are not communicating internally about this matter. \n\nCitibank 's XXXX Investigation Window Is Unacceptable : XXXX XXXX XXXX that Citibank may require up to 15 business days to investigate. I am formally objecting to this timeline. The error has already been admitted by Citibank 's own supervisor. There is nothing left to investigate. Asking me to wait 15 days for an error they have already acknowledged while my funds remain frozen and my health, business, and finances continue to suffer is unreasonable and unjust. \nDocumented Harm Continues to Grow : Every additional day of delay adds to documented harm borrowed money, delayed medication, disrupted business operations in XXXX, and blocked travel plans. The longer Citibank delays, the stronger the basis for damage claims. \nInteractive Evidence Attached : I have prepared a detailed interactive flow chart and full chronology of every event in this case. I am attaching it to this complaint as a supporting document. It can be opened in any web browser and clearly shows the XXXX loop Citibank has created.\n\nDemanded Resolution : Immediate release of my frozen funds OR delivery of the verification letter via overnight express mail to my correct address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. No further delays will be accepted.","date_sent_to_company":"2026-03-27T03:34:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11218","tags":"Older American","has_narrative":true,"complaint_id":"20704616","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-03-27T03:22:04.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The <em>error</em> has already been admitted by Citibank 's own supervisor. There is nothing left to investigate. Asking me to wait 15 days for an <em>error</em> they have already acknowledged while my funds remain frozen and my health, business, and finances <em>continue</em> to suffer is unreasonable and unjust. \nDocumented Harm <em>Continues</em> to Grow : Every additional day of <em>delay</em> adds to documented harm borrowed money, <em>delayed</em> medication, disrupted business operations in XXXX, and blocked travel plans."]},"sort":[17.474125,"20704616"]},{"_index":"complaint-public-v1","_id":"13746429","_score":17.082325,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal follow-up complaint regarding inaccurate and harmful credit reporting by XXXX XXXX XXXX XXXX on my Experian credit file. Despite a prior dispute submitted on XX/XX/XXXX, Experian has failed to correct the errors or provide sufficient documentation to support its continued reporting of false information. The dispute was marked as \" resolved '' without any real investigation or validation which is unacceptable and a potential violation of the Fair Credit Reporting Act ( FCRA ). \n\nXXXX. Auto Loan Reporting Inaccuracy The XXXX XXXX auto loan opened in XX/XX/XXXX and closed in XX/XX/XXXX was refinanced, yet this is not reflected in the current credit report. Instead, Experian is reporting XXXX XXXX late payments for XXXX and XX/XX/XXXX, which likely occurred during the refinance process and may have been misapplied. These delinquencies are unsubstantiated, and no documentation has been provided to prove they are valid despite my previous request. \n\nXXXX Credit Card XXXX XXXX XXXX XXXX XXXX credit card is reporting a {$2000.00} balance against a {$2000.00} limit ( 102 % utilization ). However, a payment was made in XX/XX/XXXX, and the balance was significantly reduced. This outdated information is still being reported, unfairly damaging my credit utilization ratio and score. Experian has failed to update this information in a timely manner. \n\nPattern of Delay and Harm Negative activity such as high utilization is reported to Experian immediately, but corrections even when requested with evidence are delayed for weeks or completely ignored. This double standard undermines consumer trust and is a direct violation of the FCRAs mandates for accurate, current, and complete information. \n\nDemand for Manual Investigation I am specifically requesting that no AI-driven or automated response be used to review or respond to this complaint. This case requires a manual investigation by a qualified Experian dispute specialist with access to my full account history and the ability to communicate with XXXX XXXX. The use of automation in place of human review for factual inaccuracies is both inappropriate and potentially unlawful when consumer harm is clearly demonstrated.","date_sent_to_company":"2025-05-28T20:24:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60605","tags":null,"has_narrative":true,"complaint_id":"13746429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-28T20:17:26.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Despite</em> a prior dispute submitted on XX/XX/XXXX, Experian has failed to correct the <em>errors</em> or provide sufficient documentation to support its <em>continued</em> reporting of false information. The dispute was marked as \" resolved '' without any real investigation or validation which is unacceptable and a potential violation of the Fair Credit Reporting Act ( FCRA ). \n\nXXXX."]},"sort":[17.082325,"13746429"]},{"_index":"complaint-public-v1","_id":"21765789","_score":15.590721,"_source":{"product":"Mortgage","complaint_what_happened":"* * Subject : * * Follow-Up CFPB Complaint Continued Servicing Errors, Split Identity, Inaccurate Reporting, and Failure to Respond to Notices of Error * * Loan No XXXX XXXX XXXX XXXX XXXX XXXX Prior CFPB Complaint : XXXX XXXX XXXXXXXX To Whom It XXXX Concern, I am submitting this complaint as a follow-up to my prior CFPB complaint referenced above. The issues previously raised remain unresolved, and additional servicing errors have continued.\n\n-- - * * 1. Split Identity / Successor to Self After Loan Assumption * * I completed a loan assumption in XXXX. Despite this, the account continues to be serviced under inconsistent borrower information. \n\nDue to my name change and incomplete system updates, I am effectively being treated as both the borrower and a successor in interest to myself. This has resulted in inconsistent account handling across systems.\n\n-- - * * 2. Account Still Tied to Deceased Borrower * * Although the loan assumption was completed approximately 11 months ago, the account remains tied to the deceased borrower in key servicing functions, including communications, loss mitigation, and account records.\n\nIn the servicers prior CFPB response, they acknowledged that final system updates to remove the deceased borrower were not completed. Despite this, servicing activity has continued based on incomplete and inaccurate borrower data.\n\n-- - * * 3. Conflicting Credit Reporting vs. Ongoing Collection Activity * * On or about XX/XX/XXXX, the account was reported to credit bureaus as paid in full, closed, and with a {$0.00} balance. \n\nDespite this, the servicer has continued to : * Issue collection and delinquency notices * Send foreclosure-related communications * Send late statements after the reported paid/closed status This reflects a direct contradiction between external credit reporting and internal servicing actions.\n\n-- - * * 4. Failure to Properly Handle Notices of Error ( NOEs ) * * * * * NOE dated XX/XX/XXXX * * * No formal response was provided * Acknowledgment was delayed * Acknowledgment was addressed to the deceased borrower rather than to me * * * NOE dated XX/XX/XXXX * * * No acknowledgment has been provided * No response has been issued Additionally, my Notices of Error were treated as general correspondence rather than addressed as formal disputes.\n\n-- - * * 5. Continued Collection Activity Immediately After Notice of Error and Inconsistent Communication * * A delinquency notice/payment demand was issued XXXX day after the servicer received my XX/XX/XXXX Notice of Error. An additional communication followed approximately XXXX days later that did not clearly state the amount owed and instead referred me to loss mitigation. \n\nThese communications were issued while : * The account had already been reported as paid in full and closed ( XX/XX/XXXX ) * The XXXX payment period remained within the applicable grace period * My Notice of Error remained unacknowledged and unresolved Additionally, ServiceMacs statements regarding repeated telephone contact attempts are not accurate. Only XXXX outbound call from the servicer occurred on XX/XX/XXXX, which is documented by voicemail. Any other calls reflected in XXXX were initiated by me, not by the servicer. \n\nThis reflects continued collection activity without evidence of review and inconsistent communication regarding account status.\n\n-- - * * 6. Mischaracterization of Communication as Cease and Desist * * On XX/XX/XXXX, the servicer issued correspondence stating that a cease and desist had been placed on my account. \n\nThis is inaccurate. I did not request that all communication cease. I requested that communications be provided in writing through appropriate channels. \n\nThis request was mischaracterized and appears to have affected how my account and communications were handled.\n\n-- - * * 7. Inconsistent and Incorrect Address Handling * * The servicer did not apply my correct mailing address consistently and, in some instances, combined address information incorrectly. \n\n* A XX/XX/XXXX letter was sent to my property address, where I was not residing at the time * That same letter reflected a combination of my property address and my temporary apartment number * The CFPB response dated XX/XX/XXXX was sent to my correct temporary address As a result, I did not receive the XX/XX/XXXX correspondence until approximately XXXX month later after returning to the property. \nThis demonstrates inconsistent and unreliable handling of borrower contact information.\n\n-- - * * 8. Inconsistent Statement Delivery * * I received a XX/XX/XXXX statement but did not receive statements for XXXX or XX/XX/XXXX. \n\nThis occurred while collection communications continued and while my Notice of Error remained unresolved, further preventing clarity regarding the account status and any amount owed.\n\n-- - * * 9. Premature Foreclosure-Related Communication and Inconsistent Delivery Method * * A letter dated XX/XX/XXXX states that the servicer has the right to invoke foreclosure. \n\nAt the time : * The account had been reported as paid in full and closed ( XX/XX/XXXX ) * The XXXX payment period remained within the grace period * My Notice of Error remained unresolved This letter was not sent via certified mail, despite its significance and inclusion of foreclosure-related language, while other communications from the servicer have been sent via certified mail. \n\nThis reflects both premature escalation and inconsistent handling of important communications. \n\n\n\nSincerely, XXXX XXXX XXXX XXXX XXXX : XXXX","date_sent_to_company":"2026-04-30T21:02:00.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"92545","tags":null,"has_narrative":true,"complaint_id":"21765789","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SERVICEMAC, LLC","date_received":"2026-04-30T20:28:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["<em>Despite</em> this, the account <em>continues</em> to be serviced under inconsistent borrower information. \n\nDue to my name change and incomplete system updates, I am effectively <em>being</em> treated as both the borrower and a successor in interest to myself. This has resulted in inconsistent account handling across systems.\n\n-- - * * 2."]},"sort":[15.590721,"21765789"]},{"_index":"complaint-public-v1","_id":"18343365","_score":15.176675,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint regarding continued reporting of inaccurate, unverified, and unauthorized credit information on my consumer credit report. Despite multiple written disputes submitted directly to the credit reporting agencies and furnishers, the disputed items remain unchanged. This complaint represents my third formal attempt to resolve these violations. The failure to properly investigate and correct these errors constitutes ongoing non-compliance with the Fair Credit Reporting Act.\n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ), 1681 ( b ), 1681e ( b ), and 1681i, consumer reporting agencies and data furnishers are legally required to maintain maximum possible accuracy and to conduct a reasonable reinvestigation when information is disputed. These obligations have not been met in my case. \nACCOUNT IN DISPUTE XXXX  Account Number : XXXX High Balance : {$7300.00} Date Opened : XX/XX/XXXX Status Reported : Charge-Off Issue : This account has not been properly validated. No competent evidence has been provided showing my contractual liability, complete payment history, or lawful basis for the charge-off designation. Reporting a charge-off without full verification violates FCRA 1681e ( b ) and 1681i. This item must be deleted or corrected immediately if it can not be fully substantiated.\n\nACCOUNT IN DISPUTE XXXX XXXX Account Number : XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Status Reported : Charge-Off Issue : The charge-off status is being reported without proof of accuracy, proper accounting, or documentation demonstrating compliance with FCRA requirements. Repeated failure to correct or delete this inaccurate reporting after prior disputes reflects an unreasonable reinvestigation process. This tradeline must be removed or corrected without further delay. \nUNAUTHORIZED HARD INQUIRIES IN DISPUTE XXXXXXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Issue : This inquiry was made without my authorization or permissible purpose. Continued reporting violates FCRA 1681b and 1681e ( b ). Immediate deletion is required.\n\nThe continued presence of these items after repeated disputes demonstrates a pattern of inadequate investigation and disregard for federally protected consumer rights. I am requesting CFPB intervention to require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act by either providing full verification or permanently deleting the disputed items.\n\nI respectfully request that CFPB review this matter and require immediate corrective action, including deletion or accurate correction of all disputed accounts and inquiries, along with written confirmation of compliance.","date_sent_to_company":"2025-12-29T16:49:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77459","tags":null,"has_narrative":true,"complaint_id":"18343365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-29T16:46:20.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["No competent <em>evidence</em> has been provided showing my contractual liability, complete payment history, or lawful basis for the charge-off designation. Reporting a charge-off without <em>full</em> verification violates FCRA 1681e ( b ) and 1681i. This item must be deleted or corrected immediately if it can not be fully substantiated."]},"sort":[15.176675,"18343365"]},{"_index":"complaint-public-v1","_id":"18343442","_score":14.718141,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint regarding continued reporting of inaccurate, unverified, and unauthorized credit information on my consumer credit report. Despite multiple written disputes submitted directly to the credit reporting agencies and furnishers, the disputed items remain unchanged. This complaint represents my third formal attempt to resolve these violations. The failure to properly investigate and correct these errors constitutes ongoing non-compliance with the Fair Credit Reporting Act. \nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ), 1681 ( b ), 1681e ( b ), and 1681i, consumer reporting agencies and data furnishers are legally required to maintain maximum possible accuracy and to conduct a reasonable reinvestigation when information is disputed. These obligations have not been met in my case. \nACCOUNT IN DISPUTE XXXX Account Number : XXXX High Balance : {$7300.00} Date Opened : XX/XX/XXXX Status Reported : Charge-Off Issue : This account has not been properly validated. No competent evidence has been provided showing my contractual liability, complete payment history, or lawful basis for the charge-off designation. Reporting a charge-off without full verification violates FCRA 1681e ( b ) and 1681i. This item must be deleted or corrected immediately if it can not be fully substantiated. \nACCOUNT IN DISPUTE XXXX XXXX Account Number : XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Status Reported : Charge-Off Issue : The charge-off status is being reported without proof of accuracy, proper accounting, or documentation demonstrating compliance with FCRA requirements. Repeated failure to correct or delete this inaccurate reporting after prior disputes reflects an unreasonable reinvestigation process. This tradeline must be removed or corrected without further delay. \nUNAUTHORIZED HARD INQUIRIES IN DISPUTE XXXX Inquiry Date : XX/XX/XXXX Issue : Duplicate and unauthorized inquiry with no lawful basis. This inquiry must be removed as it is inaccurate and unverifiable. \nThe continued presence of these items after repeated disputes demonstrates a pattern of inadequate investigation and disregard for federally protected consumer rights. I am requesting CFPB intervention to require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act by either providing full verification or permanently deleting the disputed items. \nI respectfully request that CFPB review this matter and require immediate corrective action, including deletion or accurate correction of all disputed accounts and inquiries, along with written confirmation of compliance.","date_sent_to_company":"2025-12-29T16:52:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77459","tags":null,"has_narrative":true,"complaint_id":"18343442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-29T16:49:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["No competent <em>evidence</em> has been provided showing my contractual liability, complete payment history, or lawful basis for the charge-off designation. Reporting a charge-off without <em>full</em> verification violates FCRA 1681e ( b ) and 1681i. This item must be deleted or corrected immediately if it can not be fully substantiated."]},"sort":[14.718141,"18343442"]},{"_index":"complaint-public-v1","_id":"18343258","_score":14.69137,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint regarding continued reporting of inaccurate, unverified, and unauthorized credit information on my consumer credit report. Despite multiple written disputes submitted directly to the credit reporting agencies and furnishers, the disputed items remain unchanged. This complaint represents my third formal attempt to resolve these violations. The failure to properly investigate and correct these errors constitutes ongoing non-compliance with the Fair Credit Reporting Act. \nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ), 1681 ( b ), 1681e ( b ), and 1681i, consumer reporting agencies and data furnishers are legally required to maintain maximum possible accuracy and to conduct a reasonable reinvestigation when information is disputed. These obligations have not been met in my case. \nACCOUNT IN DISPUTE XXXX Account Number : XXXX High Balance : {$7300.00} Date Opened : XX/XX/XXXX Status Reported : Charge-Off Issue : This account has not been properly validated. No competent evidence has been provided showing my contractual liability, complete payment history, or lawful basis for the charge-off designation. Reporting a charge-off without full verification violates FCRA 1681e ( b ) and 1681i. This item must be deleted or corrected immediately if it can not be fully substantiated. \nACCOUNT IN DISPUTE XXXX XXXX Account Number : XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Status Reported : Charge-Off Issue : The charge-off status is being reported without proof of accuracy, proper accounting, or documentation demonstrating compliance with FCRA requirements. Repeated failure to correct or delete this inaccurate reporting after prior disputes reflects an unreasonable reinvestigation process. This tradeline must be removed or corrected without further delay. \nUNAUTHORIZED HARD INQUIRIES IN DISPUTE XXXX Inquiry Date : XX/XX/XXXX Issue : I did not authorize this inquiry. No permissible purpose has been provided as required under FCRA 1681b. Unauthorized inquiries are inaccurate and must be deleted. \nThe continued presence of these items after repeated disputes demonstrates a pattern of inadequate investigation and disregard for federally protected consumer rights. I am requesting CFPB intervention to require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act by either providing full verification or permanently deleting the disputed items. \nI respectfully request that CFPB review this matter and require immediate corrective action, including deletion or accurate correction of all disputed accounts and inquiries, along with written confirmation of compliance.","date_sent_to_company":"2025-12-29T16:45:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77459","tags":null,"has_narrative":true,"complaint_id":"18343258","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-29T16:39:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["No competent <em>evidence</em> has been provided showing my contractual liability, complete payment history, or lawful basis for the charge-off designation. Reporting a charge-off without <em>full</em> verification violates FCRA 1681e ( b ) and 1681i. This item must be deleted or corrected immediately if it can not be fully substantiated."]},"sort":[14.69137,"18343258"]},{"_index":"complaint-public-v1","_id":"11195479","_score":14.269966,"_source":{"product":"Credit card","complaint_what_happened":"Purpose of Follow-Up Complaint : This is a follow-up to my initial complaint ( ID XXXX ) filed on XX/XX/XXXX, regarding Capital Ones denial of my credit application based on alleged activity on a prior account. At that time, I provided only the denial letter as evidence. \n\nKey Update : In this follow-up complaint, I am submitting additional evidence, including my XXXX, XXXX, and XXXX credit XXXX, which confirm that I have no prior account with Capital One. \n\nSummary of the Original Complaint : XXXX. Denial of Credit Application ( Request ID : XXXX ) : Capital Ones Reason for Denial : Activity on a prior Capital One account that is not consistent with their expectations. \nMy Position : I have never held a Capital One account, and no such activity exists in my credit history. \nThis claim appears to be based on inaccurate or nonexistent information.\n\n2. Key Legal Violations Identified in Original Complaint : Failure to Provide Specific and Accurate Adverse Action Notice ( 15 U.S.C. 1691 ( d ) ( 2 ) ).\n\nFailure to Investigate and Correct Errors When Informed ( 15 U.S.C. 1681s-2, FCRA ).\n\n3. Request for Resolution in Original Complaint : Provide specific evidence supporting the adverse action, or Correct their records if no such account exists.\n\nNew Supporting Evidence Submitted : This follow-up includes my full credit reports from XXXX, XXXX, and XXXX ( XXXX XX/XX/XXXX ), which show : No record of a Capital One account under my name. \nNo prior adverse activity attributed to Capital One or any related creditor. \n\nBy submitting these reports, I aim to give Capital One the opportunity to complete their investigation properly and provide a lawful resolution. \n\nCapital Ones Continued Non-Compliance with Federal Law : 1. Violation of ECOAs Adverse Action Notice Requirements ( 15 U.S.C. 1691 ( d ) ( 2 ) ) : Statutory Requirement : Creditors must provide a specific and clear reason for adverse action within 30 days of a completed application.\n\nViolation : Capital Ones vague explanationactivity on a prior accountfails to meet the legal standard of specificity.\n\nTheir inability to substantiate this claim constitutes a breach of ECOA.\n\nPenalty for Violation ( 15 U.S.C. 1691e ) : Actual damages, Punitive damages up to {$10000.00} per violation, and Injunctive relief to prevent further violations.\n\n2. Failure to Investigate and Correct Errors ( FCRA, 15 U.S.C. 1681s-2 ) : Statutory Requirement : Upon notification of disputed information, creditors must conduct a reasonable investigation and correct errors in their records.\n\nViolation : Despite being informed of this error, Capital One has failed to investigate or provide evidence to support their claim.\n\nThis negligence violates the FCRAs requirements for prompt and accurate resolution of disputes.\n\nPenalty for Violation : Statutory damages up to {$1000.00} per violation, Actual damages caused by reliance on false information, and Attorney fees and costs under 15 U.S.C. 1681n and 1681o.\n\n3. Breach of Timely Communication Obligations : Despite Capital One stating on XX/XX/XXXX, that their investigation required additional time, there has been no further update or resolution. \nThis delay impedes my ability to seek fair treatment and violates CFPB standards for timely responses. \n\nRelevant Case Law : 1. Treadway v. Gateway Chevrolet Oldsmobile , Inc., 362 F.3d 971 ( 7th Cir. 2004 ) : Held that creditors must provide clear and specific reasons for adverse actions under ECOA. Generic explanations are insufficient.\n\n2. Anderson v. Capital One Bank, 224 F.R.D. 444 ( W.D. Wis. 2004 ) : Reinforced creditors duty to substantiate adverse action claims when challenged.\n\n3. Cortez v. Trans Union , LLC, 617 F.3d 688 ( 3rd Cir. 2010 ) : Affirmed the duty to correct inaccuracies promptly under the FCRA.","date_sent_to_company":"2024-12-18T20:54:05.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11195479","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-12-18T20:49:02.000Z","state":"GA","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Failure to Investigate and Correct <em>Errors</em> ( FCRA, 15 U.S.C. 1681s-2 ) : Statutory Requirement : Upon notification of disputed information, creditors must conduct a reasonable investigation and correct <em>errors</em> in their records.\n\nViolation : <em>Despite</em> <em>being</em> informed of this <em>error</em>, Capital One has failed to investigate or provide <em>evidence</em> to support their claim.\n\nThis negligence violates the FCRAs requirements for prompt and accurate resolution of disputes."]},"sort":[14.269966,"11195479"]},{"_index":"complaint-public-v1","_id":"16178658","_score":14.263315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint with the CFPB because my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Billing Act ( FCBA ) are being violated by the credit bureaus and data furnishers. Despite numerous disputes and direct communications, inaccurate and harmful information continues to remain on my consumer report. These inaccuracies are causing me severe harm, emotional distress, financial denial, and are preventing me from receiving fair credit opportunities. The law is clear that the information reported must be accurate, verifiable, and compliant with federal regulations. What is currently being reported is not consistent with these laws, and I am requesting CFPB intervention for a full reinvestigation and immediate correction or deletion of these items. \n\nXXXX XXXX XXXX XXXX, CA XXXX Address This address is being reported on my credit file, yet it does not belong to me, nor have I ever resided at this location. Continuing to associate me with this wrong address creates a misleading and false consumer profile, which is prohibited under FCRA 607 ( b ), requiring credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. By attaching this address to my report, the bureau is in violation of this requirement. The law obligates that only correct and verifiable identifying information be reported. The false address creates unnecessary risk of mixed files, identity confusion, and inaccurate association with accounts that do not belong to me. My rights under FCRA 611 ( a ) ( 1 ) ( A ) guarantee me the ability to dispute and request deletion of unverifiable information. Since no valid proof can link me to this address, its continued reporting represents negligence under FCRA 607 and a direct violation of my consumer rights. This error must be corrected and permanently deleted without further delay, as keeping such wrong personal data on my file is unlawful and harmful. \n\nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/2020 Balance Owed : {$2100.00} * * This account is being reported as a charge off with an outstanding balance, but the information is inaccurate, incomplete, and unverifiable. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report data they know or should know to be inaccurate. XXXX XXXX  has failed to provide documented evidence that this account is valid, belongs to me, and is being reported with 100 % accuracy. The balance being reported is questionable and not supported by verified records, violating FCRA 609, which grants me the right to request the method of verification used. To this date, no sufficient validation has been provided. Under FDCPA 807, debt collectors and furnishers are prohibited from using any false representation regarding the character, amount, or legal status of a debt. Reporting this account as a charge off without complete verification misrepresents my consumer profile and is damaging my credit standing. A proper reinvestigation under FCRA 611 has not been done, as the same inaccurate information continues to reappear even after multiple disputes. This constitutes willful and negligent noncompliance, subject to damages under FCRA 616 and 617. I demand that this account be deleted immediately as it can not be verified with documented proof of accuracy, ownership, and legitimacy. \n\nI respectfully request the CFPB to hold the credit bureaus and XXXX XXXX accountable for these violations, compel them to provide proper verification of all accounts and addresses, or remove them completely from my consumer report.","date_sent_to_company":"2025-09-25T20:00:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91356","tags":null,"has_narrative":true,"complaint_id":"16178658","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-25T17:58:52.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Since no valid proof can link me to this address, its <em>continued</em> reporting represents negligence under FCRA 607 and a direct violation of my consumer rights. This <em>error</em> must be corrected and permanently deleted without further <em>delay</em>, as keeping such wrong personal data on my file is unlawful and harmful."]},"sort":[14.263315,"16178658"]},{"_index":"complaint-public-v1","_id":"14684516","_score":14.020037,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing this complaint against Equifax for its continued reporting of inaccurate, unverifiable, and misleading information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Despite attempts to resolve these disputes directly with Equifax, the inaccurate information remains, causing damage to my credit profile and financial opportunities. \n\nBelow are detailed descriptions of the disputed items, the specific violations of law, and supporting explanations : XXXX. XXXX Acct # : XXXX Issue : Inaccurate Late Payment Law Violated : FCRA 607 ( b ) ; 611 Details : This account was brought current quickly after a temporary hardship, and the creditor failed to provide any documentation validating the late status. Equifax has not provided evidence to support the derogatory mark. \n\nXXXX. XXXXDOFED  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payments on Federally Protected Student Loans Law Violated : CARES Act ; FCRA 623 ( a ) ( 1 ) ( A ) Details : These loans were covered under federal forbearance during the COVID-19 pandemic under the CARES Act. No payments were due during this period, and reporting late payments during forbearance violates federal law. Equifax continues to report these entries despite dispute. \n\nXXXX. XXXX Acct # : XXXX Issue : Inaccurate Late Payment Law Violated : FCRA 607 ( b ) Details : A system error occurred despite available funds in my account. I was not notified or given a chance to resolve the issue before being reported late. The creditor has not validated this mark, yet Equifax continues to report it. \n\nXXXX. XXXX  Acct # : XXXX Issue : Inaccurate Late Payment After Account Closure Law Violated : FCRA 623 ( b ) ; FDCPA 807 Details : The account was paid and closed, yet a late payment was reported afterward without documentation. This is inaccurate and misleading. Equifax failed to validate this entry. \n\nXXXX. XXXX Acct # : XXXX Issue : Autopay Failure Misreported as Late Law Violated : FCRA 607 ( b ) Details : I was enrolled in autopay and had sufficient funds. A technical error on the banking side caused a delay. No notice was given, and the account was marked late unjustly. \n\nXXXX. XXXX Acct # : XXXX Issue : System Error During Transition Law Violated : FCRA 607 ( b ) Details : During the card issuer transition, I was never properly billed or notified. The late payment reported is the result of a system transfer error, not consumer negligence. \n\nXXXX. XXXX Acct # : XXXX Issue : Unverified Late Payment Law Violated : FCRA 607 ( b ) ; 623 ( a ) ( XXXX ) Details : This account was inactive and paid in full. The reported late payment is unsupported, and no documentation has been provided. Equifax is reporting this mark without proper investigation. \n\nXXXX XXXX  XXXX Acct # : XXXX Issue : Collection Without Validation Law Violated : FDCPA 809 ( a ) ; FCRA 611 Details : I never received a debt validation letter, and the collection agency has failed to prove this debt. Reporting this account without validation is a clear violation of consumer protection laws. \n\nXXXX. XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX Issue : Invalid Collection Reporting Law Violated : FDCPA 807, 809 ; FCRA 611 Details : This debt was disputed with the agency, and no supporting documentation was returned. The continued reporting of this unvalidated collection account is unlawful. \n\nXXXX. XXXX Inquiry dated XX/XX/year> Issue : Unauthorized Hard Inquiry Law Violated : FCRA 604 ( a ) ( 3 ) Permissible Purpose Details : I never applied for credit with this company or gave permission for a hard inquiry. Equifax has not provided proof of authorization and continues to report this unauthorized access. \n\nRelief Sought : Removal of all late payments that can not be validated or were made during CARES Act protection Permanent deletion of any collection account without proper debt validation Removal of unauthorized hard inquiry Copy of updated credit report reflecting corrections Description of Equifaxs investigation process per FCRA 611 ( a ) ( 7 ) I am requesting the CFPB 's assistance in compelling Equifax to comply with federal laws, correct my credit report, and stop the continued harm caused by inaccurate and unverifiable data.","date_sent_to_company":"2025-07-16T19:19:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"125XX","tags":null,"has_narrative":true,"complaint_id":"14684516","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-16T19:14:39.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax <em>continues</em> to report these entries <em>despite</em> dispute. \n\nXXXX. XXXX Acct # : XXXX Issue : Inaccurate Late Payment Law Violated : FCRA 607 ( b ) Details : A system <em>error</em> occurred <em>despite</em> available funds in my account. I was not notified or given a chance to resolve the issue before <em>being</em> reported late. The creditor has not validated this mark, yet Equifax <em>continues</em> to report it. \n\nXXXX."]},"sort":[14.020037,"14684516"]},{"_index":"complaint-public-v1","_id":"10097396","_score":14.0171585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against TransUnion regarding the continued reporting of inaccurate information on my consumer report, particularly related to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX accounts. Despite my repeated disputes and the requirements under both federal and South Carolina state law, TransUnion has failed to provide proper investigation or verification, nor has it deleted the inaccurate information. \n\nDetails of the Complaint : XXXX. XXXX XXXX and XXXX : TransUnion has continued to report an account with XXXX XXXX and Collections. I do not have any contract or legal obligation with this debt collector, and TransUnion has failed to provide any proof of how this account was verified. No evidence or explanation has been offered regarding this verification process. \nXXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX : These accounts were sent to collections and no longer reflect a valid debt with the original creditor. However, despite having these accounts removed from XXXX and XXXX, TransUnion continues to report them as verified. \nI have been disputing these inaccuracies for over 24 months, yet no meaningful resolution or supporting documentation has been provided to substantiate the debts. TransUnion must have conducted a separate or flawed investigation, leading to the incorrect reporting of these accounts. \nPlease Remove all unauthorized inquiries that are on my report as well. All of them not one has been authorized. \n\nLegal Violations : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), TransUnion is required to conduct a reasonable investigation of disputed accounts and provide verifiable proof. The continued reporting of inaccurate information, without proper investigation or validation, is a violation of this law. \nFurthermore, South Carolina Code Section 37-20-170 ( Consumer Protection Code ) reinforces the requirement for accurate credit reporting and reasonable investigation of disputed debts. The failure to verify or remove inaccurate information violates both federal and state statutes. \n\nWillful Violation of FCRA : XXXX refusal to correct these errors after multiple disputes constitutes a willful violation of the FCRA under 15 U.S.C. 1681n, which entitles me to compensation for actual damages, attorneys fees, and possibly punitive damages. This willful violation has caused undue stress, financial harm, and significant delays in resolving these inaccuracies.\n\nRequested Action : Immediate deletion of all disputed accounts, including those with XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX, from my TransUnion credit report. \nFull disclosure of how TransUnion conducted the verification of these accounts, including proof of investigation with the debt XXXX or original creditors. \nCompensation for damages as allowed under federal law due to willful violation of the FCRA. \n\nI request that this matter be resolved promptly and that TransUnion complies with its legal obligations. Also XXXX and XXXX should also update the consumer report to reflect the deletion of all accounts that are applicable to whats Being reported and what should be removed. Failure to address these issues will leave me no choice but to pursue further legal action.","date_sent_to_company":"2024-09-12T18:05:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29316","tags":"Servicemember","has_narrative":true,"complaint_id":"10097396","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-12T17:39:33.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Willful Violation of FCRA : XXXX refusal to correct these <em>errors</em> after multiple disputes constitutes a willful violation of the FCRA under 15 U.S.C. 1681n, which entitles me to compensation for actual damages, attorneys fees, and possibly punitive damages. This willful violation has caused undue stress, financial harm, and significant <em>delays</em> in resolving these inaccuracies."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[14.0171585,"10097396"]},{"_index":"complaint-public-v1","_id":"10097107","_score":14.0171585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against XXXX regarding the continued reporting of inaccurate information on my consumer report, particularly related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts. Despite my repeated disputes and the requirements under both federal and South Carolina state law, XXXX has failed to provide proper investigation or verification, nor has it deleted the inaccurate information. \n\nDetails of the Complaint : XXXX. XXXX XXXX and XXXX : XXXX has continued to report an account with XXXX XXXX and XXXX. I do not have any contract or legal obligation with this debt collector, and XXXX has failed to provide any proof of how this account was verified. No evidence or explanation has been offered regarding this verification process. \nXXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX : These accounts were sent to collections and no longer reflect a valid debt with the original creditor. However, despite having these accounts removed from Experian and XXXX, XXXX continues to report them as verified. \nI have been disputing these inaccuracies for over 24 months, yet no meaningful resolution or supporting documentation has been provided to substantiate the debts. XXXX must have conducted a separate or flawed investigation, leading to the incorrect reporting of these accounts. \nPlease Remove all unauthorized inquiries that are on my report as well. All of them not one has been authorized. \n\nLegal Violations : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), XXXX is required to conduct a reasonable investigation of disputed accounts and provide verifiable proof. The continued reporting of inaccurate information, without proper investigation or validation, is a violation of this law. \nFurthermore, South Carolina Code Section 37-20-170 ( Consumer Protection Code ) reinforces the requirement for accurate credit reporting and reasonable investigation of disputed debts. The failure to verify or remove inaccurate information violates both federal and state statutes. \n\nWillful Violation of FCRA : XXXX refusal to correct these errors after multiple disputes constitutes a willful violation of the FCRA under 15 U.S.C. 1681n, which entitles me to compensation for actual damages, attorneys fees, and possibly punitive damages. This willful violation has caused undue stress, financial harm, and significant delays in resolving these inaccuracies. \n\nRequested Action : Immediate deletion of all disputed accounts, including those with XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX, from my XXXX credit report. \nFull disclosure of how XXXX conducted the verification of these accounts, including proof of investigation with the debt XXXX or original creditors. \nCompensation for damages as allowed under federal law due to willful violation of the FCRA. \n\nI request that this matter be resolved promptly and that XXXX complies with its legal obligations. Also Experian and XXXX should also update the consumer report to reflect the deletion of all accounts that are applicable to whats Being reported and what should be removed. Failure to address these issues will leave me no choice but to pursue further legal action.","date_sent_to_company":"2024-09-12T18:05:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29316","tags":"Servicemember","has_narrative":true,"complaint_id":"10097107","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-12T18:05:25.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Willful Violation of FCRA : XXXX refusal to correct these <em>errors</em> after multiple disputes constitutes a willful violation of the FCRA under 15 U.S.C. 1681n, which entitles me to compensation for actual damages, attorneys fees, and possibly punitive damages. This willful violation has caused undue stress, financial harm, and significant <em>delays</em> in resolving these inaccuracies."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[14.0171585,"10097107"]},{"_index":"complaint-public-v1","_id":"11099974","_score":13.676873,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding XXXX key issues involving inaccurate information that Truist Bank reported to the credit bureaus. These errors have significantly impacted my credit score and directly affected my ability to qualify for a Small Business Administration ( SBA ) loan that is essential for my business operations. Despite multiple attempts to resolve this with Truist Bank over the past XXXX months, I have not received any reasonable explanation or corrective action. Below is a detailed summary of the issues, including the actions I have taken and Truist 's responses. \nXXXX. Inaccurate Reporting of an Active Account as \" Closed '' On or around XX/XX/year>, I discovered that XXXX of my active accounts with Truist Bank had been incorrectly reported as \" closed '' to the major credit reporting agencies ( XXXX, XXXX, and XXXX ). This is factually incorrect because the account is still active, in good standing, and I continue to use it regularly. \nMy Actions : I contacted Truist Bank as soon as I discovered this error. \nI provided clear, undeniable proof that the account was active and in use, including : Account statements showing regular activity and ongoing use. \nScreenshots and transaction records confirming the account is open and functional. \nTruist 's Response : Truist responded with a letter stating that \" the disputed account information is accurate as reported '' and that \" there are no changes necessary. '' This response was incorrect and dismissive, as the evidence I provided clearly showed that the account is still active and in use. \nDespite my efforts to escalate the matter, Truist has failed to correct the status of the account, which remains inaccurately reported as \" closed '' on my credit report. \nImpact of This Error : This false reporting has caused a significant drop in my credit score, impacting my ability to obtain financing for my business. \nAs a result, I was unable to qualify for an SBA loan that was critical for expanding my business operations. \nThis delay has caused serious financial harm to my business and has put me in a position where I am unable to meet my business goals. \nXXXX. Refusal to Remove a Late Payment from a Secured Credit Card The second issue relates to a misunderstanding regarding an expired secured credit card that had a XXXX balance. After the card expired, I was unaware that an annual fee was still owed, as it was not clearly communicated by Truist. This led to a late payment being reported on my credit report. \nMy Actions : As soon as I became aware of the balance, I made the payment in full immediately. \nI reached out to Truist Bank to request a \" goodwill adjustment '' for the late payment. I explained that : The card had expired, and I believed I owed nothing, as the balance was XXXX. \nI had a strong history of on-time payments with Truist. \nI made the payment as soon as I realized the mistake. \nTruist 's Response : Truist issued a response stating that \" the information you are disputing was furnished correctly '' and that they would not remove the late payment from my report. \nThey did not acknowledge my long history of responsible payments or the goodwill request I made to have the late payment removed. \nI requested clarification of their policy on charging annual fees after a secured credit card expires, but Truist did not provide any explanation or documentation in response. \nImpact of This Error : This late payment was reported to all three major credit bureaus, causing a further drop in my credit score.\n\nThis, in combination with the false closed account status, has significantly limited my ability to access financing, particularly an SBA loan essential to my business operations.\n\nThe inability to secure this financing has caused serious financial hardship for my business, delaying important projects and creating unnecessary financial strain.\n\nSummary of My Requests Correct the inaccurate \" closed '' status of my active account and report it as \" active '' to all credit bureaus.\n\nReconsider the removal of the late payment from my credit report, taking into account the context and my long history of responsible payment behavior.","date_sent_to_company":"2024-12-10T21:41:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"826XX","tags":null,"has_narrative":true,"complaint_id":"11099974","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2024-12-10T20:10:35.000Z","state":"WY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This led to a late payment <em>being</em> reported on my credit report. \nMy Actions : As soon as I became aware of the balance, I made the payment in <em>full</em> immediately. \nI reached out to Truist Bank to request a \" goodwill adjustment '' for the late payment. I explained that : The card had expired, and I believed I owed nothing, as the balance was XXXX. \nI had a strong history of on-time payments with Truist. \nI made the payment as soon as I realized the mistake."]},"sort":[13.676873,"11099974"]},{"_index":"complaint-public-v1","_id":"14587527","_score":13.673428,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Officer, I am filing this formal complaint against Experian, a consumer reporting agency that continues to report inaccurate, outdated, and unverifiable information on my credit report. Despite my previous disputes submitted directly to Experian, they have failed to delete or correct multiple entries that are harming my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). \n\nBelow are the specific issues with the accounts Experian is reporting, along with the applicable laws and personal impact each error has caused. \n\nXXXX. Wrong Address Reporting XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX Issue : These addresses are either outdated or never associated with me at all. I do not currently reside at these addresses, and I have no verified history at one of them.\n\nLaw Violated : FCRA 607 ( b ) Experian is legally obligated to report only accurate and verifiable information. Continuing to report an address that can not be confirmed is a breach of this duty. \n\nPersonal Impact : Having false addresses on my report has resulted in identity verification delays, raised red flags during credit applications, and placed me at risk of file mixing or potential identity confusion. Despite requesting their removal, Experian has kept them on file without providing any proof of their validity. \n\nXXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX High Credit : {$350.00} | Date Opened : XX/XX/year> * * Issue : This account is reporting late payments that occurred during a period when I had arranged for temporary hardship assistance. These derogatory marks are inaccurate and do not reflect the terms of the agreement I had with the creditor. \n\nLaws Violated : FCRA 623 ( a ) ( 1 ) ( A ) A furnisher must not report information that it knows or should know is inaccurate.\n\nFCRA 611 ( a ) A credit bureau must delete any information that can not be verified within 30 days of a consumer dispute.\n\nPersonal Impact : I negotiated a hardship arrangement due to a temporary loss of income. The creditor agreed to defer payments without reporting late marks. Yet, Experian is reflecting delinquencies from that exact time period, which is deceptive and harmful. I am being unfairly penalized for a situation I proactively managed. This is a serious misrepresentation of my payment behavior. \n\nRequested Action : I am formally requesting that the CFPB investigate the following : Why Experian has failed to remove unverifiable and inaccurate address entries. \n\nWhy a derogatory account ( XXXX XXXX XXXX ) continues to report false late payments despite being disputed and likely unverified. \n\nWhether Experian is maintaining proper reinvestigation procedures as required by FCRA 611 ( a ).\n\nSummary of Non-Compliance : Inaccurate addresses reported in violation of FCRA 607 ( b ).\n\nFailure to delete unverifiable negative accounts in violation of FCRA 611 ( a ).\n\nNegligent or willful continuation of harmful data in violation of FCRA 623 ( a ) ( 1 ) ( A ).\n\nResolution Requested : Permanent removal of the two incorrect addresses from my Experian credit file. \n\nFull deletion or correction of the XXXX XXXX XXXX account, including removal of all late payment notations. \n\nWritten confirmation that Experian has completed a lawful and documented reinvestigation. \n\nRegulatory enforcement and appropriate civil penalties if Experian is found in violation. \n\nI have attached a copy of my Experian dispute letter and relevant report screenshots as supporting evidence. I appreciate the CFPBs attention to this matter and request swift action to ensure my consumer rights are protected.","date_sent_to_company":"2025-07-12T01:29:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"109XX","tags":null,"has_narrative":true,"complaint_id":"14587527","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-12T01:25:45.000Z","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":["I am <em>being</em> unfairly penalized for a situation I proactively managed. This is a serious misrepresentation of my payment behavior. \n\nRequested Action : I am formally requesting that the CFPB investigate the following : Why Experian has failed to remove unverifiable and inaccurate address entries. \n\nWhy a derogatory account ( XXXX XXXX XXXX ) <em>continues</em> to report false late payments <em>despite</em> <em>being</em> disputed and likely unverified."]},"sort":[13.673428,"14587527"]},{"_index":"complaint-public-v1","_id":"10770875","_score":13.471239,"_source":{"product":"Credit card","complaint_what_happened":"Email associated with account : XXXX Summary of Issue : For several months, XXXX has miscalculated my balance, available credit, and has improperly processed payments, credits, and disputed charges on my XXXX XXXX XXXX XXXX  account. These errors have led to a large discrepancy between what I am owed and the available balance shown on my account, which is currently listed as only {$42.00}. This figure is grossly inaccurate and does not reflect the thousands of dollars XXXX owes me due to repeated miscalculations and processing errors over at least XXXX to XXXX months. \n\nSpecific Errors and Problems : For XXXX recent months ( XX/XX/XXXX- XX/XX/year> ), However this issue continues on until my account was closed. XXXX months total. I have evidence of the following miscalculations and improper transaction processing : XXXX. Incorrect Payment Applications : My statements show multiple ACH payments, direct payments, and credits that were not applied correctly to reduce my balance. Although these payments should have lowered my outstanding balance, Upgrades accounting has failed to incorporate them accurately, leading to an inflated balance. \n\nXXXX. Dispute Resolution Mishandling : I disputed several charges that Upgrade initially credited, yet these charges were later reapplied to my account despite my dispute being valid. This reapplication of resolved disputes essentially reversed the credits, causing an erroneous increase in my balance that remains uncorrected. \n\nXXXX. Fluctuating and Incorrect Interest Charges : Between statements, the interest accrued on my account varied significantly without any substantial balance change. These interest adjustments are inconsistent and suggest further calculation errors, adding unnecessary costs and confusion to my account. \n\nXXXX. Application of Post Payments and Balance Adjustments : My statements show many entries listed as post payments or credits, yet there is no clear indication of how these transactions impact my balance. These unclear adjustments may represent partial or incorrect applications that dont fully reflect my actual payment history. \n\nXXXX. Delayed or Inaccurate Effective Dates for Transactions : In some instances, the dates listed for credits, debits, or payments do not align with the effective dates shown on my statements. As a result, past charges have been applied retroactively, which distorts my true account balance at each statement closing date. \n\nXXXX  XXXX and Account XXXX : I have contacted XXXX repeatedly over the past several months to correct these issues, yet they have failed to take action. Furthermore, XXXX has since closed my account, citing identification issues as the reason for the closure. I can easily prove my identity and believe this justification is baseless. I suspect that the account closure is an attempt to avoid addressing these errors and paying the balance owed to me due to their internal processing mistakes. \nRequest for Resolution : I am requesting the CFPBs intervention to ensure XXXX performs the following actions : XXXX. XXXX a full audit of my account from at least the past XXXX to XXXX months to identify and correct all miscalculations, retroactively applying payments, credits, and dispute resolutions accurately. \nXXXX. Provide me with the correct account balance, accurately reflecting the thousands of dollars owed to me due to repeated processing errors. \nXXXX. Ensure that XXXX reinstates my account access, or alternatively, disburses the total funds owed directly to me. \n\nXXXX continued inaction on this issue has caused significant financial and emotional distress. I believe that this issue should be resolved immediately to prevent further financial harm. \n\nThank you for your attention to this matter. I appreciate any assistance the CFPB can provide in ensuring XXXX corrects these errors and fulfills their obligations.","date_sent_to_company":"2024-11-12T19:17:20.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90065","tags":null,"has_narrative":true,"complaint_id":"10770875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-11-12T19:00:27.000Z","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":["These <em>errors</em> have led to a large discrepancy between what I am owed and the available balance shown on my account, which is currently listed as only {$42.00}. This figure is grossly inaccurate and does not reflect the thousands of dollars XXXX owes me due to repeated miscalculations and processing <em>errors</em> over at least XXXX to XXXX months. \n\nSpecific <em>Errors</em> and Problems : For XXXX recent months ( XX/XX/XXXX- XX/XX/year> ), However this issue <em>continues</em> on until my account was closed."]},"sort":[13.471239,"10770875"]},{"_index":"complaint-public-v1","_id":"10615038","_score":13.311943,"_source":{"product":"Credit card","complaint_what_happened":"I submitted 19 disputes on XX/XX/year>, initially thanks for promising with two of 11 looking like they're gon na be in my favor then something changed discovery was not transparent despite my daily colon, they refuse to knowledge my disputes being claims not billing errors and as such they we're asking the merchant to verify transaction data. They never acknowledged or gave clarification on. That's why there were such variances in policy and legislation that discovered shows to follow, setting many different numbers from three different sources. \n\nThey cut my credit after a \" routine \" review which was right after I started calling in on my dispute, from XXXX to XXXX basically XXXX my XXXX. Not a good look. Then they proceeded to fraud alert my account into a non-usable status under the guise of security. \n\nFailure to escalate my dispute at request as I felt like I was being Stonewalled by the billing dispute department. They were just repeat the same rhetoric and not offer any explanation to the actual question of why they couldn't provide documentation, why they couldn't provide justification, and why they couldn't provide clarification. \n\n1. Credit Limit Reduction : Discover reduced my credit limit from {$4000.00} to {$500.00} during active disputes, causing an inflated credit utilization ratio that damaged my credit score and made it appear as though I was over my limit.\n\n2. Misclassification of Disputes : By treating my breach-of-contract claims as billing errors, Discover shortened the investigation timeline, preventing a full and fair review and leaving my claims inadequately addressed. \n\n3. Failure to Submit 8 Disputes : Discover neglected to submit eight of my disputes without explanation, delaying resolution and exacerbating my financial hardship.\n\n4. Restricted Access to Provisional Credits : Although Discover offered provisional credits, excessive fraud controls blocked or limited my ability to use these funds when I needed them most, impacting essential payments like rent and bills.\n\n5. Bias from Merchant Input Reliance : Discover relied heavily on the merchants response for my breach-of-contract claims, which biased the outcomes against me by neglecting an independent investigation of my evidence. \n\n6. Timeline Compression : Discover applied a shorter billing error timeframe to my breach-of-contract disputes, compressing the allowable time and creating delays in processing that hampered a thorough investigation.\n\n7. Failure to Shift Burden of Proof : Despite providing evidence, Discover did not shift the burden of proof to the merchant, placing an unfair and ongoing responsibility on me to continually validate my claims.\n\n8. Reversal of Provisional Credit Without Explanation : Discover reversed my provisional credits without adequate justification, causing additional financial strain and creating instability in my available funds. \n\n9. Lack of Response to Documentation Request : Discover did not respond to my request for supporting documentation regarding their decisions. This lack of transparency limits my ability to verify the accuracy or fairness of Discovers actions. \n\nXX/XX/XXXX Event : Official submission of 19 disputes to Discover, totaling {$11000.00}. \nAction by Discover : Misclassified breach-of-contract claims as billing errors, resulting in shortened timelines and incomplete review. \n\n\nXX/XX/XXXX Event : Discover reduced your credit limit from {$4000.00} to {$500.00} amid active disputes. \nImpact : This reduction artificially inflated your credit utilization ratio, significantly harming your credit score and creating the appearance of an over-limit balance. \n\n\nXX/XX/XXXX Event : Realized that some disputes appeared unaddressed and initiated inquiries with Discover regarding the status of all submitted disputes. \nImpact : The missing disputes created concern over Discovers handling of the submission and raised transparency issues in dispute processing. \n\nXX/XX/XXXX Event : Sent a fax to Discover with supporting documentation to ensure that all XXXX disputes were captured and requested clarification on their processing. \nImpact : Attempted to confirm that Discover had properly recorded all disputes and requested further information to prevent mishandling. \n\nThroughout XXXX XXXX : Discover issued provisional credits but restricted access through frequent fraud alerts, effectively blocking usage. \nImpact : Limited access to provisional credits, impairing your ability to meet essential expenses, such as rent and bills. \n\nXX/XX/XXXX disputes 10 of 11 as they couldn't validate my claim. One of 11 I found it in my favor. Even though it was to their claim to be said that there was no contact with the merchant. \n\nXX/XX/XXXX Event : Sent a second fax with further documentation, also formally requesting escalation for unresolved disputes. \nDiscovers Response : Discover did not provide escalation options, leaving disputes unresolved. \n\nXX/XX/XXXX Event : Sent a third fax with additional supporting documentation, again requesting information and a response from Discover. \n\n\nEnd of XXXX XXXX : Sent additional letters requesting documentation and justification for Discovers decisions on disputes. \nDiscovers Response : Continued failure to respond or provide documentation, further impeding the resolution process.","date_sent_to_company":"2024-10-29T09:38:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92104","tags":null,"has_narrative":true,"complaint_id":"10615038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-10-29T07:50:50.000Z","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 submitted 19 disputes on XX/XX/year>, initially thanks for promising with two of 11 looking like they're gon na be in my favor then something changed discovery was not transparent <em>despite</em> my daily colon, they refuse to knowledge my disputes <em>being</em> claims not billing <em>errors</em> and as such they we're asking the merchant to verify transaction data. They never acknowledged or gave clarification on."]},"sort":[13.311943,"10615038"]},{"_index":"complaint-public-v1","_id":"14619615","_score":13.081934,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Narrative : I am filing this complaint against Chime Financial , Inc., regarding their mishandling of a {$3300.00} dispute ( Dispute ID : XXXX and XXXX ) for a transaction with XXXXXXXX XXXX XXXX on my Chime Credit Builder Visa card . I originally filed the dispute by phone on XX/XX/2025, for goods/services not as described. Since then, I have experienced ongoing financial harm, conflicting information, legal violations, and outright neglect by Chime. Worse, CFPB has failed to intervene despite two prior complaints, one marked responded with no correction of the violations, and another wrongly dismissed as a duplicate despite being based on new facts.\n\nPRIOR CFPB COMPLAINT FAILURES : My first complaint ( XX/XX/2025 ) was marked company responded, despite Chimes clear Regulation Z violations and refusal to issue provisional credit. No enforcement or follow-up occurred. \nMy second complaint ( XX/XX/2025 ) was rejected as a duplicate, even though it described new developments including the rebuttal, ongoing hardship, failure to resolve, and conflicting info from Chime. \nThis complaint is not a duplicate. It covers XXXX XXXX violations and includes new emails, call recordings, and confirmation that Chime found a billing error and still refused to credit my account. \n\nTIMELINE OF EVENTS & MISCONDUCT : XX/XX/2025 I filed the dispute via phone. Chime sent an email promising resolution by XX/XX/2025. \nXX/XX/2025 Chime denied the dispute with no documentation or legal explanation. \nXX/XX/2025 I submitted a formal rebuttal with evidence. \nXX/XX/2025 Chime claimed a chargeback was filed. \nXX/XX/2025 I notified Chime of financial hardship and asked for provisional credit. I also received an email saying a chargeback was already in progress for my rebuttal yet no date or timeline was given. \nXX/XX/2025 Chime finally sent the denial documentation, which was my own rebuttal documents. Meaning they used evidence I provided after the denial to justify the original denial which is impossible and a violation of Regulation Z. \nXX/XX/2025 My husband, who filed a similar dispute with a different bank using the same evidence, was refunded in full. \nXX/XX/2025 A Chime dispute representative stated on a recorded call : Chime has determined a billing error occurred. Were just waiting to force them to return your money. Despite this, no credit was issued. \nChime staff repeatedly told me that pre-arbitration had been filed, while others said a new chargeback had begun violating Visas rules that pre-arbitration cant begin until an investigation is complete and a determination is made. Chime also said chargebacks are just merchant communications, which contradicts Visa Core Rule 11.3, where chargebacks represent a formal request for reversal and are not informal messages. REGULATION Z VIOLATIONS ( 12 CFR 1026.13 ) : 1. 1026.13 ( c ) ( 1 ) Acknowledgment and Denial Requirements I received no explanation of the XX/XX/XXXX denial. \nThe XX/XX/XXXX email only linked to documentation that I had submitted, not evidence from the merchant. No legal explanation was provided.\n\n2. 1026.13 ( c ) ( 2 ) Timely Resolution Chime was required to resolve the dispute within 90 days or two billing cycles ( XX/XX/XXXX and XX/XX/XXXX ), whichever is shorter. That deadline passed on XX/XX/2025. \nI received no resolution or funds by that date, violating this rule. \n\n3. 1026.13 ( d ) ( 1 ) Provisional Credit & Collection Bar I notified Chime of financial hardship on XXXX XXXX XXXX.\n\nUnder Reg Z, a creditor must suspend collection on the disputed amount and is expected to issue provisional credit when hardship is reported and the investigation continues.\n\nNo provisional credit was issued.\n\nI was told on the call that Chime determined a billing error yet 1026.13 ( e ) says once a billing error is confirmed, it must be corrected immediately, including issuing credit. Chime has not done so.\n\n4. 1026.13 ( f ) Explanation of Resolution I never received any proper written explanation of the denial that includes the creditors reasoning or merchant response.\n\nVISA RULE VIOLATIONS : Per Visa Core Rules Section 11.3.2 : The Issuer should provide provisional credit to the Cardholders account in the amount of the dispute during the investigation period.\n\nPer Visas Interlink Operating Regulations : An Issuer must provide provisional credit for the amount of a dispute or unauthorized transaction within 5 business days of notification of hardship or investigation delay.\n\nChime has violated Visas rules by : Not issuing provisional credit during an extended investigation.\n\nMisrepresenting the chargeback process.\n\nClaiming pre-arbitration was filed before final resolution, violating Visa process rules.\n\nDECEPTIVE, ABUSIVE, AND UNFAIR PRACTICES : I was repeatedly hung up on by Chime supervisors for quality reasons despite remaining calm and respectful. I have call recordings.\n\nChime refused to answer questions and contradicted itself constantly.\n\nOne rep claimed my rebuttal reset the timeline a false and misleading statement under Regulation Z. \nChimes email on XX/XX/XXXX promised resolution by XX/XX/XXXX, but theyve ignored that. The XX/XX/XXXX email confirmed a chargeback was already in progress, yet gave no deadline. \nI am a longtime Chime user of 5 years with 3 disabled children whose SSI benefits are deposited into Chime. This mishandling has caused hardship, mental distress, and late fees for rent and utilities. My kids and I have had to skip meals due to this.\n\nFINAL DEMAND : I am requesting the CFPB investigate and enforce the following : 1. Immediate credit of {$3300.00} to my Chime Credit Builder account.\n\n2. Full explanation of the June 3 denial and all documentation used.\n\n3. Confirmation of chargeback and pre-arbitration dates.\n\n4. Explanation for the failure to issue provisional credit after XX/XX/XXXX hardship notice. \n5. Explanation of why credit was not issued when Chime confirmed a billing error on XX/XX/XXXX. \n6. Investigation into whether Chime is in systemic violation of Regulation Z and Visa rules.\n\n7. Review of CFPBs own mishandling of prior complaints, including wrongful duplicate designation and lack of regulatory enforcement despite clear legal breaches.\n\nI will add additional attachments upon request as all of my documentation uploaded prior has never been reviewed.","date_sent_to_company":"2025-07-14T17:03:32.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"395XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14619615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-07-14T01:50:26.000Z","state":"MS","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Meaning they used <em>evidence</em> I provided after the denial to justify the original denial which is impossible and a violation of Regulation Z. \nXX/XX/2025 My husband, who filed a similar dispute with a different bank using the same <em>evidence</em>, was refunded in <em>full</em>. \nXX/XX/2025 A Chime dispute representative stated on a recorded call : Chime has determined a billing <em>error</em> occurred. 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