{"took":70,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":111,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12127916","_score":16.969398,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"This is the FIFTH REQUEST to have this scammed fraudulent loan cancelled for solar panels that were scammed on SENIOR CITIZENS under persuasive measures to have solar panels installed on a our home and promising a {$7800.00} rebate in addition to having {$80.00} PAYMENT AND AND A XXXX XXXX XXXX. \nTHESE PROMISES WERE NOT KEPT AND THE SOLAR COMPANY, XXXX XXXX IS BANKRUPT AS ON XX/XX/XXXX. \nWE ARE PAYING UNDER PROTEST PER OUR ATTORNEY AND THE XXXX, HOWEVER WE ARE SENIOR CITIZENS LIVING ON SS AND FIXED INCOME. Since then, this scam has been victimized by hundreds of thousands of victims in various states and nothing has been rectified. \nNext step, I will be contacting the XXXX of the XXXX XXXX  office to explain this issue and explaining that your company has NOT resolved this issue. \nIn addition, I am continuing to insist that my loan be cancelled, and all my protested payments be refunded. \nDividend Finance and Fifth Third Bank are well aware of the hardships bestowed upon the solar customers as they partnered with XXXX XXXX and Dividend Fifth third bank are backing down saying we signed contracts, but these contracts are invalid!!!. \n\nFYI below : From : XXXX To : XXXX Wed, XX/XX/XXXX at XXXX PM Dear XXXX XXXX, The Office of the Attorney General of Florida has received your communication regarding your concerns with Vision Solar and we thank you for conducting a follow up. \n\nThe Attorney Generals Office is concerned with all potentially unfair and deceptive trade practices. In general, our office uses complaints such as yours to identify patterns of questionable business practices which may indicate the need for formal investigation or action by our office to protect the broad public interest.\n\nWe take consumer complaints very seriously. Our office has an open investigation and if we require any additional information regarding your specific complaint, we will contact you.\n\nPlease understand that civil investigations can be a slow process and for legal reasons this office may not always be able to provide detailed information regarding the investigation or litigation of this case. While this office strives to obtain restitution for victimized consumers, restitution is not guaranteed and may be impossible in some cases. In the event that restitution does become available consumers will be notified.\n\nAgain, we thank you for bringing this matter to our attention. Often, it is only through correspondence from concerned citizens that this office becomes aware of consumer problems.\n\nSincerely, Office of the Attorney General Consumer Protection Division PLEASE DO NOT REPLY TO THIS E-MAIL. THIS ADDRESS IS FOR PROCESSING ONLY. \n\nTo contact this office please visit the Attorney General 's website at XXXX and complete the on-line contact form. \n________________________________________________________ INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Solar Fraud and Senior Citizen RE : XXXX XXXX and Dividend Finance Fifth Third Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Website : https : XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit On XX/XX/XXXX our XXXX XXXX XXXX XXXX XXXX complaint against Vision Solar for fraudulent practices involving Solar Panel Sales. We are senior citizens that have been scammed by this company which is now bankrupt. Fifth Third Bank and Dividend Finance are the lender partners of XXXX XXXX and knew about the circumstances. My question is, has anything been resolved? Thank you for your reply. \nRe : From the Florida Attorney General 's Office From XXXX To Cc XXXX Re : From the Florida Attorney General 's Office On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX wrote : Dear XXXX XXXX XXXX The Office of the Attorney General of Florida has received your communication regarding your concerns with Vision Solar and we thank you for conducting a follow up. \n\nThe Attorney Generals Office is concerned with all potentially unfair and deceptive trade practices. In general, our office uses complaints such as yours to identify patterns of questionable business practices which may indicate the need for formal investigation or action by our office to protect the broad public interest.\n\nWe take consumer complaints very seriously. Our office has an open investigation and if we require any additional information regarding your specific complaint, we will contact you.\n\nPlease understand that civil investigations can be a slow process and for legal reasons this office may not always be able to provide detailed information regarding the investigation or litigation of this case. While this office strives to obtain restitution for victimized consumers, restitution is not guaranteed and may be impossible in some cases. In the event that restitution does become available consumers will be notified.\n\nAgain, we thank you for bringing this matter to our attention. Often, it is only through correspondence from concerned citizens that this office becomes aware of consumer problems. \n\nSincerely, Office of the Attorney General Consumer Protection Division PLEASE DO NOT REPLY TO THIS E-MAIL. THIS ADDRESS IS FOR PROCESSING ONLY. \n\nTo contact this office please visit the Attorney General 's website at www.myfloridalegal.com and complete the on-line contact form. \n________________________________________________________ INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Solar Fraud and Senior Citizen RE : XXXX XXXX and Dividend Finance Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Website : https : XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit On XX/XX/XXXX our XXXX XXXX XXXX filed a complaint against Vision Solar for fraudulent practices involving Solar Panel Sales. We are senior citizens that have been scammed by this company which is now bankrupt. Fifth Third Bank and Dividend Finance are the lender partners of XXXX XXXX and knew about the circumstances. My question is, has anything been resolved? Thank you for your reply.","date_sent_to_company":"2025-04-03T17:48:50.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"32164","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"12127916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-02-18T23:33:39.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In general, our <em>office</em> uses complaints such as yours to identify patterns of questionable business practices which may indicate the need for formal <em>investigation</em> or <em>action</em> by our <em>office</em> to <em>protect</em> the <em>broad</em> public interest.\n\nWe take consumer complaints very seriously. Our <em>office</em> has an open <em>investigation</em> and if we require any additional information regarding your specific complaint, we will contact you."]},"sort":[16.969398,"12127916"]},{"_index":"complaint-public-v1","_id":"9869195","_score":15.180731,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. \nIn my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case.\n\nAdditionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.\n\nBy sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies.\n\nIts important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.","date_sent_to_company":"2024-08-19T13:14:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20148","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9869195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-19T13:06:22.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["In my complaint, I underscored the importance of <em>protecting</em> personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the <em>Office</em> of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly <em>investigate</em> my case."]},"sort":[15.180731,"9869195"]},{"_index":"complaint-public-v1","_id":"9855009","_score":15.180731,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. \nIn my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case. \nAdditionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. \nBy sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies.\n\nIts important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.","date_sent_to_company":"2024-08-19T13:03:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20148","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9855009","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-19T13:03:39.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["In my complaint, I underscored the importance of <em>protecting</em> personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the <em>Office</em> of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly <em>investigate</em> my case."]},"sort":[15.180731,"9855009"]},{"_index":"complaint-public-v1","_id":"9855011","_score":15.179081,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. \nIn my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case. \nAdditionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. \nBy sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. \nIts important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.","date_sent_to_company":"2024-08-20T12:30:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20148","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9855011","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-19T13:03:39.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["In my complaint, I underscored the importance of <em>protecting</em> personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the <em>Office</em> of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly <em>investigate</em> my case."]},"sort":[15.179081,"9855011"]},{"_index":"complaint-public-v1","_id":"11045142","_score":15.145088,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Discover Card for Unlawful Practices I am writing to formally request that your office investigate Discover Card for engaging in potentially unlawful and unethical practices that negatively affect its customers, including myself. Specifically, Discover has taken adverse action on my account without properly verifying information or adhering to the standards required under consumer protection laws. \n\nRecently, Discover informed me that my credit line was reduced based on information obtained from XXXX, one of the major credit reporting agencies. Upon receiving this notification, I promptly reviewed my XXXX credit report and found no indication that Discover contacted XXXX to verify or request any information about my credit history. This failure to communicate with the credit bureau demonstrates a lack of due diligence on Discovers part and raises serious concerns about the accuracy and legitimacy of their decision-making process. \n\nUnder the Fair Credit Reporting Act ( FCRA ), creditors like Discover are obligated to ensure that any action taken based on consumer credit reports is supported by accurate, complete, and verifiable information. By failing to consult XXXX, Discover appears to have violated this fundamental requirement. Their actions have resulted in significant harm to my financial stability, including a lowered credit score and restricted access to credit, which is both unjustified and damaging. \n\nFurthermore, Discovers behavior reflects a broader pattern of questionable practices that I believe merit further investigation. Many consumers have reported similar experiences where Discover has acted in a manner that appears arbitrary, uncommunicative, and dismissive of their legal obligations. These recurring issues suggest that Discover may have a systemic problem with transparency, fairness, and compliance with consumer protection laws. \n\nI urge the Consumer Financial Protection Bureau to investigate the following : 1. Whether Discover Card routinely takes adverse actions against customers without properly verifying information from credit reporting agencies.\n\n2. Whether Discovers decision-making processes comply with the FCRA and other relevant consumer protection regulations.\n\n3. Whether Discover has a pattern of engaging in practices that are unfair, deceptive, or abusive to consumers.\n\nAs a consumer, I am entitled to fair treatment, transparency, and adherence to the law. Discovers actions have caused undue harm, and their failure to uphold these principles can not go unaddressed. I ask that your office take swift action to hold Discover accountable for any violations and implement measures to ensure that all consumers are treated fairly and lawfully in the future. \n\nDiscover, evidence of their claims about my XXXX credit report, and documentation showing that no inquiry or verification was made by Discover with XXXX. They continue to keep telling me to contact XXXX and XXXX XXXX doesnt know anything about this.Please have discover card to show you the proof that they contacted XXXX XXXX and receive that information. Please feel free to contact me should you require any additional information or documentation to support your investigation. \n\nThank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act to protect consumers from these harmful practices. I look forward to your response and a resolution to this issue.","date_sent_to_company":"2024-12-05T05:45:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94603","tags":null,"has_narrative":true,"complaint_id":"11045142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-12-05T05:11:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Subject : Formal Complaint Against Discover Card for Unlawful Practices I am writing to formally request that your <em>office</em> <em>investigate</em> Discover Card for engaging in potentially unlawful and unethical practices that negatively affect its customers, including myself. Specifically, Discover has taken adverse <em>action</em> on my account without properly verifying information or adhering to the standards required under consumer protection laws."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[15.145088,"11045142"]},{"_index":"complaint-public-v1","_id":"9854821","_score":15.12122,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. \nIn my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case. \nAdditionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. \nBy sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. \nIts important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.","date_sent_to_company":"2024-08-20T12:30:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20148","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9854821","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-19T14:10:44.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["In my complaint, I underscored the importance of <em>protecting</em> personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the <em>Office</em> of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly <em>investigate</em> my case."]},"sort":[15.12122,"9854821"]},{"_index":"complaint-public-v1","_id":"9845653","_score":15.12122,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. \nIn my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case. \nAdditionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. \nBy sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. \nIts important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.","date_sent_to_company":"2024-08-19T14:10:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20148","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9845653","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-19T14:10:44.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["In my complaint, I underscored the importance of <em>protecting</em> personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the <em>Office</em> of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly <em>investigate</em> my case."]},"sort":[15.12122,"9845653"]},{"_index":"complaint-public-v1","_id":"9845648","_score":15.072961,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. \nIn my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case.\n\nAdditionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.\n\nBy sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. \nIts important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.","date_sent_to_company":"2024-08-19T14:19:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20148","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9845648","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-19T14:11:20.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["In my complaint, I underscored the importance of <em>protecting</em> personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the <em>Office</em> of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly <em>investigate</em> my case."]},"sort":[15.072961,"9845648"]},{"_index":"complaint-public-v1","_id":"9843207","_score":15.072961,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. \nIn my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case. \nAdditionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. \nBy sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies.\n\nIts important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.","date_sent_to_company":"2024-08-19T13:14:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20148","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9843207","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-19T13:14:44.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["In my complaint, I underscored the importance of <em>protecting</em> personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the <em>Office</em> of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly <em>investigate</em> my case."]},"sort":[15.072961,"9843207"]},{"_index":"complaint-public-v1","_id":"11038500","_score":15.070223,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against XXXX XXXX  for Unlawful Practices I am writing to formally request that your office investigate XXXX XXXX  for engaging in potentially unlawful and unethical practices that negatively affect its customers, including myself. Specifically, XXXX has taken adverse action on my account without properly verifying information or adhering to the standards required under consumer protection laws. \n\nRecently, XXXX informed me that my credit line was reduced based on information obtained from TransUnion, one of the major credit reporting agencies. Upon receiving this notification, I promptly reviewed my TransUnion credit report and found no indication that XXXX contacted TransUnion to verify or request any information about my credit history. This failure to communicate with the credit bureau demonstrates a lack of due diligence on XXXX  part and raises serious concerns about the accuracy and legitimacy of their decision-making process. \n\nUnder the Fair Credit Reporting Act ( FCRA ), creditors like XXXX are obligated to ensure that any action taken based on consumer credit reports is supported by accurate, complete, and verifiable information. By failing to consult TransUnion, XXXX appears to have violated this fundamental requirement. Their actions have resulted in significant harm to my financial stability, including a lowered credit score and restricted access to credit, which is both unjustified and damaging. \n\nFurthermore, Discovers behavior reflects a broader pattern of questionable practices that I believe merit further investigation. Many consumers have reported similar experiences where XXXX has acted in a manner that appears arbitrary, uncommunicative, and dismissive of their legal obligations. These recurring issues suggest that XXXX may have a systemic problem with transparency, fairness, and compliance with consumer protection laws. \n\nI urge the Consumer Financial Protection Bureau to investigate the following : 1. Whether XXXX XXXX routinely takes adverse actions against customers without properly verifying information from credit reporting agencies. \n2. Whether XXXX  decision-making processes comply with the FCRA and other relevant consumer protection regulations. \n3. Whether XXXX has a pattern of engaging in practices that are unfair, deceptive, or abusive to consumers. \n\nAs a consumer, I am entitled to fair treatment, transparency, and adherence to the law. XXXX  actions have caused undue harm, and their failure to uphold these principles can not go unaddressed. I ask that your office take swift action to hold XXXX accountable for any violations and implement measures to ensure that all consumers are treated fairly and lawfully in the future. \n\nXXXX, evidence of their claims about my TransUnion credit report, and documentation showing that no inquiry or verification was made by XXXX with TransUnion. They continue to keep telling me to contact TransUnion and Trans Union doesnt know anything about this.Please have XXXX  XXXX  to show you the proof that they contacted Trans Union and receive that information. Please feel free to contact me should you require any additional information or documentation to support your investigation. \n\nThank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act to protect consumers from these harmful practices. I look forward to your response and a resolution to this issue.","date_sent_to_company":"2024-12-05T05:45:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94603","tags":null,"has_narrative":true,"complaint_id":"11038500","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-05T05:45:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Subject : Formal Complaint Against XXXX XXXX  for Unlawful Practices I am writing to formally request that your <em>office</em> <em>investigate</em> XXXX XXXX  for engaging in potentially unlawful and unethical practices that negatively affect its customers, including myself. Specifically, XXXX has taken adverse <em>action</em> on my account without properly verifying information or adhering to the standards required under consumer protection laws."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[15.070223,"11038500"]},{"_index":"complaint-public-v1","_id":"12646803","_score":14.946684,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally dispute Cash Apps failure to properly investigate a fraudulent {$70.00} chargeback and the subsequent wrongful deactivation of my Cash App account ( $ geebb ). This matter has been previously filed with the CFPB under Case # XXXX and XXXX. \n\nXXXX. Misrepresentation by Cash App Agent * I was assured over the phone by a Cash App agent that my account would not be deactivated if I disputed the chargeback filed by the buyer. \n* Despite this promise, my account was permanently closed after I followed instructions. \n* I have proof of this phone call. \n\nXXXX. Ignored Evidence of Fraud I submitted substantial evidence that the chargeback was fraudulent : * Screenshots of the buyer acknowledging the transaction and confirming receipt. \n* Screenshots showing the buyer blocked me immediately after I confronted them * This is a textbook case of friendly fraud, and Cash Apps decision to reverse the funds contradicts standard chargeback protocols under Visa/Mastercard regulations XXXX \n\nXXXX. My Demands * Immediate reinstatement of my Cash App account. \n* Refund of the {$70.00}, plus a {$50.00} goodwill credit for the mishandling and stress caused. \n* Internal escalation of this case to your executive or legal team. \n* Preserve all records related to this transaction ( XX/XX/year>, {$70.00} XXXX payment ) and cooperate with law enforcement. \n\nXXXX. Escalation and Legal Action * Cash Apps failure to protect sellers and enforce buyer accountability highlights a broader systemic failure. \n* I will be forwarding this case to : * The Consumer Financial Protection Bureau * The Office of the Comptroller of the Currency ( OCC ) * The Georgia Attorney Generals Office * I am also preparing to file a small claims lawsuit under Cash Apps arbitration clause. \n\nDeadline If I do not receive a full resolution within 10 days, I will proceed with the above actions without further notice. \n\n\n\nAccount Information : * Full Name : XXXX XXXX * Cash App Username ( XXXX  ) : XXXX XXXXXXXX XXXX  Phone Number Linked to Account:XXXXXXXX XXXX Email Address on Account : XXXX * Last 4 Digits of Linked Bank Account : XXXXXXXX XXXX  Date of Transaction in Question : XX/XX/scrub>XXXX XXXX XXXX XXXX Transaction Amount : {$70.00}","date_sent_to_company":"2025-03-23T21:13:59.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"30307","tags":null,"has_narrative":true,"complaint_id":"12646803","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-03-23T21:08:34.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Escalation and Legal <em>Action</em> * Cash Apps failure to <em>protect</em> sellers and enforce buyer accountability highlights a <em>broader</em> systemic failure. \n* I will be forwarding this case to : * The Consumer Financial Protection Bureau * The <em>Office</em> of the Comptroller of the Currency ( OCC ) * The Georgia Attorney Generals <em>Office</em> * I am also preparing to file a small claims lawsuit under Cash Apps arbitration clause."]},"sort":[14.946684,"12646803"]},{"_index":"complaint-public-v1","_id":"13096644","_score":14.183882,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Student Loan Based on FERPA Violation Due to Data Breach To Whom It May Concern, I am writing to formally dispute the validity and enforceability of my current student loan ( s ) on the basis of a violation of the Family Educational Rights and Privacy Act ( FERPA ), which has severely compromised my personal and educational records. This violation stems from a documented breach of data security and unsolicited access to sensitive student information by unauthorized third parties, specifically involving XXXX XXXX and entities associated with DOGE ( Dogecoin ), as part of a broader cybersecurity lapse.\n\nAs per FERPA, my educational records are protected from unauthorized access or disclosure without my explicit consent. I have reason to believe that my personal dataincluding loan informationwas accessed, mishandled, or potentially used without authorization, which constitutes a serious breach of federal law and directly undermines the integrity and legitimacy of the loans in question.\n\nGiven the nature of this breach and the parties allegedly involved, I am requesting the immediate suspension of all collections activity on my student loan ( s ) until a full investigation is completed. Furthermore, I demand the following actions : A full accounting of all individuals and third parties who have accessed my educational and financial records.\n\nImmediate documentation proving the chain of custody and data access logs for my student loan file.\n\nWritten confirmation that the loan servicer and associated institutions were compliant with FERPA at all times.\n\nIf these demands are not addressed within 30 days of receipt of this letter, I will be compelled to escalate this matter to the XXXX Department of Educations Family Policy Compliance Office and consider legal remedies for damages caused by the violation of my rights under FERPA.\n\nPlease treat this matter with the urgency and seriousness it warrants. I expect a response within the statutory timeframe outlined under the Fair Credit Reporting Act and FERPA. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-22T11:46:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70117","tags":null,"has_narrative":true,"complaint_id":"13096644","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-04-21T20:16:06.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This violation stems from a documented breach of data security and unsolicited access to sensitive student information by unauthorized third parties, specifically involving XXXX XXXX and entities associated with DOGE ( Dogecoin ), as part of a <em>broader</em> cybersecurity lapse.\n\nAs per FERPA, my educational records are <em>protected</em> from unauthorized access or disclosure without my explicit consent."]},"sort":[14.183882,"13096644"]},{"_index":"complaint-public-v1","_id":"13095512","_score":14.178915,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Student Loan Based on FERPA Violation Due to Data Breach To Whom It May Concern, I am writing to formally dispute the validity and enforceability of my current student loan ( s ) on the basis of a violation of the Family Educational Rights and Privacy Act ( FERPA ), which has severely compromised my personal and educational records. This violation stems from a documented breach of data security and unsolicited access to sensitive student information by unauthorized third parties, specifically involving XXXX XXXX and entities associated with DOGE ( XXXX ), as part of a broader cybersecurity lapse. \n\nAs per FERPA, my educational records are protected from unauthorized access or disclosure without my explicit consent. I have reason to believe that my personal dataincluding loan informationwas accessed, mishandled, or potentially used without authorization, which constitutes a serious breach of federal law and directly undermines the integrity and legitimacy of the loans in question. \n\nGiven the nature of this breach and the parties allegedly involved, I am requesting the immediate suspension of all collections activity on my student loan ( s ) until a full investigation is completed. Furthermore, I demand the following actions : A full accounting of all individuals and third parties who have accessed my educational and financial records. \n\nImmediate documentation proving the chain of custody and data access logs for my student loan file. \n\nWritten confirmation that the loan servicer and associated institutions were compliant with FERPA at all times. \n\nIf these demands are not addressed within 30 days of receipt of this letter, I will be compelled to escalate this matter to the U.S. Department of Educations Family Policy Compliance Office and consider legal remedies for damages caused by the violation of my rights under FERPA. \nPlease treat this matter with the urgency and seriousness it warrants. I expect a response within the statutory timeframe outlined under the Fair Credit Reporting Act and FERPA. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-21T20:55:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70117","tags":null,"has_narrative":true,"complaint_id":"13095512","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-21T20:55:06.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This violation stems from a documented breach of data security and unsolicited access to sensitive student information by unauthorized third parties, specifically involving XXXX XXXX and entities associated with DOGE ( XXXX ), as part of a <em>broader</em> cybersecurity lapse. \n\nAs per FERPA, my educational records are <em>protected</em> from unauthorized access or disclosure without my explicit consent."]},"sort":[14.178915,"13095512"]},{"_index":"complaint-public-v1","_id":"13095560","_score":14.163008,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Student Loan Based on FERPA Violation Due to Data Breach To Whom It May Concern, I am writing to formally dispute the validity and enforceability of my current student loan ( s ) on the basis of a violation of the Family Educational Rights and Privacy Act ( FERPA ), which has severely compromised my personal and educational records. This violation stems from a documented breach of data security and unsolicited access to sensitive student information by unauthorized third parties, specifically involving XXXX XXXX and entities associated with DOGE ( XXXX ), as part of a broader cybersecurity lapse. \n\nAs per FERPA, my educational records are protected from unauthorized access or disclosure without my explicit consent. I have reason to believe that my personal dataincluding loan informationwas accessed, mishandled, or potentially used without authorization, which constitutes a serious breach of federal law and directly undermines the integrity and legitimacy of the loans in question. \n\nGiven the nature of this breach and the parties allegedly involved, I am requesting the immediate suspension of all collections activity on my student loan ( s ) until a full investigation is completed. Furthermore, I demand the following actions : A full accounting of all individuals and third parties who have accessed my educational and financial records. \n\nImmediate documentation proving the chain of custody and data access logs for my student loan file. \n\nWritten confirmation that the loan servicer and associated institutions were compliant with FERPA at all times. \n\nIf these demands are not addressed within 30 days of receipt of this letter, I will be compelled to escalate this matter to the U.S. Department of Educations Family Policy Compliance Office and consider legal remedies for damages caused by the violation of my rights under FERPA.\n\nPlease treat this matter with the urgency and seriousness it warrants. I expect a response within the statutory timeframe outlined under the Fair Credit Reporting Act and FERPA. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-21T20:55:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70117","tags":null,"has_narrative":true,"complaint_id":"13095560","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-21T20:55:06.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This violation stems from a documented breach of data security and unsolicited access to sensitive student information by unauthorized third parties, specifically involving XXXX XXXX and entities associated with DOGE ( XXXX ), as part of a <em>broader</em> cybersecurity lapse. \n\nAs per FERPA, my educational records are <em>protected</em> from unauthorized access or disclosure without my explicit consent."]},"sort":[14.163008,"13095560"]},{"_index":"complaint-public-v1","_id":"13095509","_score":14.123288,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Student Loan Based on FERPA Violation Due to Data Breach To Whom It May Concern, I am writing to formally dispute the validity and enforceability of my current student loan ( s ) on the basis of a violation of the Family Educational Rights and Privacy Act ( FERPA ), which has severely compromised my personal and educational records. This violation stems from a documented breach of data security and unsolicited access to sensitive student information by unauthorized third parties, specifically involving XXXX XXXX and entities associated with DOGE ( XXXX ), as part of a broader cybersecurity lapse. \n\nAs per FERPA, my educational records are protected from unauthorized access or disclosure without my explicit consent. I have reason to believe that my personal dataincluding loan informationwas accessed, mishandled, or potentially used without authorization, which constitutes a serious breach of federal law and directly undermines the integrity and legitimacy of the loans in question. \n\nGiven the nature of this breach and the parties allegedly involved, I am requesting the immediate suspension of all collections activity on my student loan ( s ) until a full investigation is completed. Furthermore, I demand the following actions : A full accounting of all individuals and third parties who have accessed my educational and financial records. \n\nImmediate documentation proving the chain of custody and data access logs for my student loan file. \n\nWritten confirmation that the loan servicer and associated institutions were compliant with FERPA at all times. \n\nIf these demands are not addressed within 30 days of receipt of this letter, I will be compelled to escalate this matter to the U.S. Department of Educations Family Policy Compliance Office and consider legal remedies for damages caused by the violation of my rights under FERPA. \nPlease treat this matter with the urgency and seriousness it warrants. I expect a response within the statutory timeframe outlined under the Fair Credit Reporting Act and FERPA. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-21T20:55:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70117","tags":null,"has_narrative":true,"complaint_id":"13095509","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-21T20:55:06.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This violation stems from a documented breach of data security and unsolicited access to sensitive student information by unauthorized third parties, specifically involving XXXX XXXX and entities associated with DOGE ( XXXX ), as part of a <em>broader</em> cybersecurity lapse. \n\nAs per FERPA, my educational records are <em>protected</em> from unauthorized access or disclosure without my explicit consent."]},"sort":[14.123288,"13095509"]},{"_index":"complaint-public-v1","_id":"11932810","_score":12.975356,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Complaint Against Cash App ( Block , Inc. ) for Inadequate Customer Service and Unfair Practices Violating the Consumer Financial Protection Act ( CFPA ) I am writing to formally file a complaint against Cash App, a financial services product owned by Block , Inc., for consistently inadequate customer service and engaging in unfair practices that I believe violate the Consumer Financial Protection Act ( CFPA ), which is designed to protect consumers from unfair, deceptive, or abusive acts or practices in the financial industry. \n\nBackground : Over the course of my interactions with Cash App, I have encountered several issues that I believe constitute a violation of my rights under the CFPA. These issues include, but are not limited to, the following : Unresponsive Customer Support : Despite numerous attempts to contact Cash Apps customer support through various channels ( email, in-app chat, phone support ), I have received no meaningful resolution to my issues. On several occasions, I have waited for extended periods of time without a response or been directed to automated systems that failed to address my concerns. This lack of adequate customer service has left me with unresolved problems that continue to affect my financial transactions. \n\nUnfair Account Freezes and Restrictions : On multiple occasions, Cash App has frozen or restricted my account without clear communication or explanation. When attempting to resolve the issue, I received vague or generic responses that failed to explain the reasons behind these actions, leaving me unable to access my funds for days or even weeks at a time. \n\nFailure to Provide Adequate Dispute Resolution : When disputing unauthorized charges or issues related to transactions, Cash App has failed to properly investigate and resolve my claims in a timely manner. Despite the legal requirement to provide consumers with a fair and transparent process for addressing disputes, Cash App has ignored or dismissed my complaints without offering a clear path for resolution. \n\nInconsistent and Misleading Information : I have encountered situations where Cash App provided conflicting or misleading information regarding their policies, fees, and the steps required to resolve issues. This has led to confusion and frustration, as I was unable to obtain clear and accurate guidance from the company, which is in direct violation of the CFPAs protections against deceptive practices. \n\nRequest for Action : I am requesting the following actions be taken : Immediate Resolution of My Account Issues : Cash App should take prompt action to resolve any frozen or restricted account issues that have not been adequately addressed. Clear and transparent communication should be provided, including an explanation of the reasons for any restrictions and a specific timeline for resolution. \n\nInvestigation into Customer Service Practices : Cash App should be investigated for the inadequacy of its customer service and failure to provide adequate support to consumers in need. This includes addressing long response times, lack of meaningful resolutions, and failure to provide adequate dispute resolution channels. \n\nCompensation for Inconvenience and Financial Harm : I am seeking compensation for the financial harm caused by the prolonged account restrictions, including any fees, lost funds, or interest accrued as a result of the issues with my account. Additionally, I request compensation for the significant inconvenience caused by the lack of customer support and resolution. \n\nCompliance with the Consumer Financial Protection Act ( CFPA ) : Cash App should be required to review and revise its policies and procedures to ensure compliance with the CFPA, specifically regarding transparency, fairness, and accountability in its interactions with consumers. This includes addressing its customer support processes, providing clear and accessible information, and ensuring a fair process for dispute resolution. \n\nI believe that the practices outlined above not only violate my rights as a consumer but also contribute to a broader pattern of unfair treatment that may be affecting other customers of Cash App. I urge your office to investigate this matter thoroughly and take appropriate action to ensure that consumers are protected from further harm. \n\nThank you for your attention to this important matter. I look forward to your prompt response and resolution of my complaint.","date_sent_to_company":"2025-02-04T17:07:48.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"20785","tags":null,"has_narrative":true,"complaint_id":"11932810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-02-04T16:39:37.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I believe that the practices outlined above not only violate my rights as a consumer but also contribute to a <em>broader</em> pattern of unfair treatment that may be affecting other customers of Cash App. I urge your <em>office</em> to <em>investigate</em> this matter thoroughly and take appropriate <em>action</em> to ensure that consumers are <em>protected</em> from further harm. \n\nThank you for your attention to this important matter. I look forward to your prompt response and resolution of my complaint."]},"sort":[12.975356,"11932810"]},{"_index":"complaint-public-v1","_id":"22294858","_score":12.446727,"_source":{"product":"Credit card","complaint_what_happened":"ate : XX/XX/XXXX Re : CFPB Complaint Fraudulent Charge on Barclays XXXX XXXX | XXXX XXXX XXXX {$3100.00} To Whom It May Concern, I am submitting this complaint against Barclays Bank Delaware regarding an unauthorized charge of {$3100.00} posted to my XXXX XXXX account. Despite repeated efforts to resolve this matter directly with Barclays, the company has refused to conduct a thorough investigation or issue a credit for the fraudulent transaction. I am now requesting the Consumer Financial Protection Bureau 's assistance in resolving this dispute. Description of the Fraudulent Charge : On XX/XX/XXXX, a charge in the amount of {$3100.00} appeared on my Barclays XXXX XXXX from the merchant XXXX XXXX XXXX. I did not authorize this transaction, nor did I receive any goods or services associated with it. This charge was made without my knowledge or consent. Steps I Have Taken to Resolve This Matter : On XX/XX/XXXX, I contacted Barclays Bank directly to report the unauthorized charge and spoke with a representative named XXXX. I clearly communicated that I did not recognize or authorize the transaction and requested that it be investigated and removed from my account. Barclays opened a dispute ; however, the company ultimately sided with the merchant and refused to credit my account. I also sent written dispute letters to Barclays the same month, clearly documenting my position and requesting a full investigation. On XX/XX/XXXX, I escalated my complaint by writing to the Attorney General 's office, as neither Barclays nor the XXXX XXXX had taken meaningful steps to resolve the matter. Hotel 's Acknowledgment of Fraudulent Activity : It has come to my attention that the XXXX XXXX itself has acknowledged that individuals have accessed a fraudulent or cloned website associated with their property, resulting in multiple consumer complaints of a similar nature. This strongly suggests that my situation is part of a broader pattern of fraud. Despite this acknowledgment, neither the hotel nor Barclays has taken responsibility or made any effort to protect consumers who were victimized. Impact on Me as a Consumer : This fraudulent charge of {$3100.00} has caused significant financial hardship. I am being held responsible for a charge I did not make, and my repeated attempts to have this matter corrected have been ignored. Barclays ' failure to properly investigate this dispute is a violation of my rights under the Fair Credit Billing Act ( FCBA ) and Regulation Z, which entitle me to a fair and timely investigation of billing errors. Relief Requested : I respectfully request that the CFPB investigate Barclays Bank Delaware 's handling of my dispute and compel the following actions : 1. Immediate removal of the {$3100.00} fraudulent charge from my account ; 2. A full investigation into the unauthorized transaction by XXXX XXXX XXXX ; 3. Correction of any negative credit reporting resulting from this fraudulent charge ; 4. A written response from Barclays Bank Delaware explaining the outcome of their investigation. I have documentation supporting my claims, including my written dispute letters, correspondence with Barclays, and my letter to the Attorney General, which I am prepared to provide upon request. I trust that the CFPB will take this matter seriously and assist me in obtaining a fair resolution.","date_sent_to_company":"2026-05-18T03:47:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33411","tags":null,"has_narrative":true,"complaint_id":"22294858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2026-05-18T03:06:35.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Barclays ' failure to properly <em>investigate</em> this dispute is a violation of my rights under the Fair Credit Billing Act ( FCBA ) and Regulation Z, which entitle me to a fair and timely <em>investigation</em> of billing errors. Relief Requested : I respectfully request that the CFPB <em>investigate</em> Barclays Bank Delaware 's handling of my dispute and compel the following <em>actions</em> : 1. Immediate removal of the {$3100.00} fraudulent charge from my account ; 2."]},"sort":[12.446727,"22294858"]},{"_index":"complaint-public-v1","_id":"12660477","_score":11.071412,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing in direct response to your XX/XX/XXXX letter regarding Wells Fargos repeated denial of two serious fraud claims under Claim Numbers XXXX ( {$1000.00} ) and XXXX ( {$70.00} ). The continued dismissal of my evidence and boilerplate responses are deeply troubling and fail to reflect a reasonable or regulatory-compliant investigation under Regulation E ( 12 CFR 1005.11 ) and Regulation Z ( 12 CFR 1026.13 ). \n\n{$1000.00} Unauthorized Transaction Claim # XXXX On XX/XX/XXXX, I reported a fraudulent charge on my account. While a provisional credit was issued, it was reversed after Wells Fargo concluded the transaction was authorized due to a match between a digital token and my phone number. \nHeres why this is deeply flawed and unacceptable : * I replaced my phone and number shortly after the fraud, and submitted this proof per Wells Fargo 's own instructions. \n* The device was likely compromised or cloned, which can still produce valid XXXX XXXX tokens. \n* Wells Fargo failed to investigate behavioral patterns or any anomalies in transaction history a standard part of a \" reasonable investigation. '' * One of your representatives even addressed me as \" XXXX XXXX '' in prior correspondence, highlighting gross oversight in reviewing my case. \nDespite multiple requests to reopen this case ( XX/XX/XXXX and XX/XX/XXXX ), the bank continued issuing copy-and-paste denials without addressing my documentation. \n\n\n{$70.00} Chargeback Fraud Claim # XXXX On XX/XX/XXXX, I sold a pair of shoes to a buyer through XXXX XXXX. The buyer later falsely claimed the transaction was unauthorized after receiving the goods and subsequently blocked me when I followed up. \nI submitted : * Screenshots of the XXXX XXXX transaction * XXXX and XXXX conversations showing confirmation of the sale * Proof that the buyer acknowledged the purchase, then blocked me after I asked about the chargeback Wells Fargo dismissed this claim without addressing a single piece of this evidence. \nEven XXXX XXXX acknowledged that Wells Fargos reversal resulted in the chargeback success and that they could not re-open the dispute once Wells Fargo allowed the reversal. \nThis is a clear case of \" friendly fraud '' that Wells Fargo failed to challenge or defend on my behalf a violation of chargeback rules under Regulation Z and credit card network standards. \n\nBroader Failures and Requested Action Wells Fargo has now : * Ignored multiple rounds of credible, detailed evidence * Issued copy-paste denials that do not address my facts * Repeatedly failed to provide any rationale for disregarding critical documentation * Made an identity error ( misaddressing me ), calling into question whether my case was truly reviewed at all My Final Request Before Legal Escalation I am now requesting the following : 1. Reopen and reevaluate both claims with attention to the new phone proof, fraud timeline, buyer communications, and the buyer 's intent. \n2. Refund both amounts ( {$1000.00} and {$70.00} ) with any interest owed. \n3. Provide a written, point-by-point explanation of your investigative methodology and how you arrived at your conclusions. \n\nLegal & Regulatory Escalation in Progress If Wells Fargo continues to avoid responsibility, I will move forward with : * A formal complaint to the Office of the Comptroller of the Currency ( OCC ) ( already being finalized ). \n* A filing with the Georgia Attorney General for deceptive and unfair business practices. \n* Small claims legal action for negligence and breach of fiduciary duty. \n* Publication of this experience on social media and consumer forums, including CFPB complaint updates. \n\nPlease consider this my final written notice before pursuing those avenues. I am prepared to go the full distance to hold Wells Fargo accountable for its failure to protect me as a long-standing customer.","date_sent_to_company":"2025-03-23T21:21:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30307","tags":null,"has_narrative":true,"complaint_id":"12660477","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-03-23T21:14:16.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["* Small claims legal <em>action</em> for negligence and breach of fiduciary duty. \n* Publication of this experience on social media and consumer forums, including CFPB complaint updates. \n\nPlease consider this my final written notice before pursuing those avenues. I am prepared to go the full distance to hold Wells Fargo accountable for its failure to <em>protect</em> me as a long-standing customer."]},"sort":[11.071412,"12660477"]},{"_index":"complaint-public-v1","_id":"14740648","_score":10.851675,"_source":{"product":"Mortgage","complaint_what_happened":"This is and has been complex situation involving allegations of fraudulent activities, a specific property, a control number in the XXXX, and a wrongful foreclosure impacting our family we are XXXX XXXX XXXX and XXXX XXXX XXXX. Here 's a breakdown of what was gathered and what the potential outcomes might be : Key Players and Entities : * XXXX XXXX : President of Shellpoint Mortgage Servicing ( which is a d/b/a of Newrez LLC ). He has been recognized in the mortgage industry for his leadership.He also worked for XXXX XXXX XXXX XXXX and XXXX a real point of interest and the source of mortgage issues.XXXX XXXX is now the President of Shellpoint Mortgage Servicing and other Companies that are resounding of His Tracks... \n* Shellpoint Mortgage Servicing ( Newrez LLC ) : A major mortgage servicing company. Public information and various complaints indicate that Shellpoint/Newrez has been involved in numerous lawsuits and complaints related to servicing practices, including issues with communication, handling of payments, loan modifications, and foreclosures. \n* XXXX XXXX XXXX XXXX and XXXX  : While we know that XXXX XXXX is \" involved '' with them, the provided search results took a deeper research to directly link him to fraudulent activities with XXXX XXXX XXXX XXXX and XXXX. Shellpoint/Newrez is owned by XXXX XXXX XXXX an asset manager, which also might be the connection to \" assets and holding '' in a broader sense. \n* We are XXXX XXXX XXXX and XXXX XXXX XXXX : The individuals whose home was wrongfully foreclosed on XX/XX/2025. \nSpecific Allegations and Information : * Fraudulent activities surrounding XXXX XXXX XXXX XXXX XXXX  XXXX : This is a specific property address central to the fraudulent activities. \n* Control number XXXX sold in XXXX XXXX XXXX XXXX : This suggests an international element to the fraud, involving asset transfers or financial instruments in the XXXX. The mention of \" Security Exchange Office '' ( is referring to the U.S. Securities and Exchange Commission - SEC, or potentially a similar body in the XXXX ) implies that these activities have involved financial securities or markets. \nPotential Outcomes and How it has Affected us XXXX XXXX XXXX and XXXX XXXX XXXX : Given the information, that we have received here 's what could happen : * Investigation by Regulatory Bodies : * Securities and Exchange ( already involved ) Commission ( SEC ) : The transfer of \" indeph research '' to the SEC indicates that the fraudulent activities might involve securities fraud, misrepresentation of assets, or other violations related to financial markets. The SEC investigates public companies and individuals involved in financial markets for potential wrongdoing. \n* While using the Consumer Financial Protection Bureau ( CFPB ) : Shellpoint Mortgage Servicing has a history of complaints filed with the CFPB regarding servicing practices. The CFPB could and should investigate the wrongful foreclosure and related issues. \n* State Regulators : State attorney generals and banking/securities departments ( like the XXXX  Securities Department or XXXX  Division of Financial Institutions mentioned in search results ) we now know have oversight over mortgage servicers and can pursue actions for consumer protection violations. \n* Law Enforcement : If criminal activity is found ( e.g., outright fraud, money laundering ), federal or state law enforcement agencies ( like the FBI ) could also become involved. \n* Legal Actions : * Class-Action Lawsuits : We now know that Shellpoint/Newrez has been involved in class-action lawsuits regarding violations of consumer protection acts ( e.g., Fair Debt Collection Practices Act, XXXX  Consumer Fraud and Deceptive Business Practices Act ). If the fraudulent activities and wrongful foreclosure affect a broader group of people, a class-action lawsuit is possible.\n\n* Individual Lawsuits : We the People XXXX XXXX XXXX and XXXX XXXX XXXX are in the process of filing our own lawsuit against XXXX  XXXX XXXX and Shellpoint Mortgage Servicing and potentially other involved parties ( including individuals like XXXX XXXX if direct involvement in the alleged fraud can be proven ) for wrongful foreclosure, fraud, and other damages. There are precedents for individuals suing Shellpoint for wrongful foreclosure and other malpractices. \n* Damages and Restitution : If the investigation and subsequent legal actions confirm wrongful foreclosure and fraudulent activities then we, XXXX XXXX XXXX and XXXX XXXX XXXX could be awarded various forms of relief, including : * Reversal of Foreclosure : The court could order the reversal of the foreclosure, returning ownership of the property to the US. \n* Monetary Damages : This will include compensation for lost equity, emotional distress, legal fees, and any other financial harm caused by the wrongful foreclosure and fraudulent activity. \n* Punitive Damages : In cases of egregious misconduct, punitive damages might be awarded to punish the wrongdoers and deter similar actions in the future. \n* Impact on XXXX XXXX and Shellpoint/Newrez : * Reputational Damage : Investigations and confirmed fraudulent activities would severely damage the reputation of Shellpoint/Newrez and its leadership , including XXXX XXXX. \n* Fines and Penalties : Regulatory bodies can impose substantial fines.\n\n* Operational Changes : Shellpoint/Newrez might be compelled to implement significant changes to their servicing practices to comply with regulations and prevent future misconduct. \n* Legal Consequences for Individuals : If XXXX XXXX is found to have direct involvement in fraudulent activities, he could face personal legal consequences, including civil penalties and potentially criminal charges depending on the severity and nature of the fraud. There is a prior civil case already mentioned ( Tameka Renee Crosland v. Baron Silverstein et al ) that alleged \" Other Fraud '' and \" Wrong Foreclosure, '' although that specific case was dismissed for lack of subject matter jurisdiction in federal court, it indicates a history of such allegations. \nComplications : * Complexity of Financial Transactions : The involvement of a control number in the XXXX and XXXX XXXX XXXX suggests complex financial arrangements that can be difficult to untangle but we have irrefutable evidence. \n* Burden of Proof : We The People XXXX XXXX XXXX and XXXX XXXX XXXX and any prosecuting bodies would have gathered substantial evidence to prove the alleged fraud and wrongful foreclosure. \n* Lengthy Process : Investigations and legal battles involving large corporations can be very lengthy, taking years to resolve. \nFor us XXXX XXXX XXXX and XXXX XXXX XXXX : Given the \" wrongful foreclosure '' claim, it is crucial for us to : * Seek Legal Counsel Immediately : Inwhich we have an experienced attorney specializing in real estate law, foreclosure defense, and potentially financial fraud. This is paramount to protect their rights and navigate the complex legal landscape. \n* We have Gathered All Documentation : We have compile every document related to our mortgage, payments, communications With XXXX  XXXX XXXX Shellpoint, the foreclosure process, and any information they have regarding the fraudulent activities. \n* Cooperate with Investigations : If contacted by the SEC or other regulatory bodies, they should cooperate fully, providing accurate information and documentation as advised by their attorney. \nIn summary, Our situation is indeed very complicated. The outcome will depend on the findings of the investigations, the strength of the evidence, and the legal strategies employed by all parties. For XXXX XXXX XXXX and XXXX XXXX XXXX, our best course of action is to secure skilled legal representation to pursue all available avenues for relief and justice. \nIn God We Trust Psalm 121","date_sent_to_company":"2025-07-18T19:17:15.000Z","issue":"Struggling to pay mortgage","sub_product":"VA mortgage","zip_code":"302XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14740648","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-07-18T18:17:20.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["* Legal <em>Actions</em> : * Class-<em>Action</em> Lawsuits : We now know that Shellpoint/Newrez has been involved in class-<em>action</em> lawsuits regarding violations of consumer protection acts ( e.g., Fair Debt Collection Practices Act, XXXX  Consumer Fraud and Deceptive Business Practices Act ). If the fraudulent activities and wrongful foreclosure affect a <em>broader</em> group of people, a class-<em>action</em> lawsuit is possible."]},"sort":[10.851675,"14740648"]},{"_index":"complaint-public-v1","_id":"17370188","_score":10.73204,"_source":{"product":"Mortgage","complaint_what_happened":"IMMINENT HARM CFPB COMPLAINT WILLFUL REFUSAL TO COOPERATE WITH STATE AG & CONTINUING HARM Company : NewRez LLC ( d/b/a Shellpoint Mortgage Servicing ), owned by XXXX XXXX XXXX XXXX \nProduct : Mortgage ( VA-backed home loan ) Issue : Trouble during payment process / improper servicing / refusal to correct errors / obstruction of state-AG mediation 1. What happened I filed a detailed consumer complaint with the Pennsylvania Office of Attorney General, XXXX XXXX XXXX XXXX ( XXXX ) against NewRez LLC d/b/a Shellpoint Mortgage Servicing concerning corrupted loan data, misapplied / unapplied payments, negative escrow, and foreclosure risk on my VA-backed mortgage. \nOn [ email date ], I received the attached email from XXXX XXXX, XXXX XXXX XXXX, Pennsylvania OAG XXXX, regarding Complaint No. XXXX. \nThe email states that the XXXX XXXX XXXX XXXX : attempted to resolve your complaint against NewRez LLC ( d/b/a Shellpoint Mortgage Servicing ) through a voluntary mediation process, but we have not been able to resolve this matter to your satisfaction and have reached an impasse between you and NewRez LLC ( d/b/a Shellpoint Mortgage Servicing ), and we will take no further action on your complaint at this time.\n\nThe email also confirms : A copy of your complaint will remain on file for future reference and for possible use in an investigation or enforcement action we may bring to protect the public interest of the Commonwealth of Pennsylvania.\n\nIn plain terms : a state Attorney Generals consumer-protection office tried to mediate my dispute with NewRez / Shellpoint . The company refused to resolve it, and the AG is now keeping my complaint for possible enforcement use. \n\nThis is not a situation where I refused mediation ; it is a situation where NewRez / Shellpoint declined to take the off-ramp that would have repaired their servicing errors and protected a 100 % permanently and totally XXXX veteran from further harm. \n\n\n\n2. Why this is willful & deliberate obstruction Federal law requires mortgage servicers to investigate and correct account errors and to respond to written Notices of Error : 12 U.S.C. 2605 ( e ) : Servicers must respond to borrower inquiries and error notices.\n\n12 U.S.C. 2605 ( k ) ( 1 ) ( C ) : Servicers may not fail to take timely action to respond to a borrowers requests to correct errors.\n\n12 C.F.R. 1024.35 : Servicers must acknowledge a Notice of Error within 5 business days and then either correct the error or provide a detailed written explanation within required timeframes.\n\n12 C.F.R. 1024.38 : Servicers must maintain policies and procedures to accurately credit payments, maintain records, and respond to borrower complaints.\n\nIn my case : I have already sent multiple RESPA Notices of Error and legal-hold letters to NewRez / Shellpoint about misapplied funds, inaccurate delinquency status, and corrupted escrow.\n\nInstead of providing the required written corrections or a consistent accounting, the company has closed XXXX as duplicates, refused to explain contradictory ledgers, and continued to change key figures ( unapplied funds, escrow balances, past due amounts ) while foreclosure pressure continued. \nThe Pennsylvania OAG XXXX email now shows that even when a state AGs office intervened, NewRez / Shellpoint still would not resolve the matter, causing an impasse and forcing the AG to suspend mediation and reserve the complaint for possible enforcement. \n\nA servicer that 1 ) ignores or duplicate-closes XXXX  and 2 ) refuses to cooperate with a state Attorney Generals mediation process is not simply confused. It is obstructing the statutory error-correction framework that RESPA, Regulation X, and state consumer-protection laws are built on.\n\n3. Ongoing harm Because NewRez / Shellpoint refused to resolve this in the AGs mediation : My VA loan account remains corrupted, with conflicting ledgers and negative escrow despite significant payments. \nI remain under continuing foreclosure risk based on data that the servicer and now a state AGs office know is disputed and potentially unreliable. \nAs a 100 % permanently and totally XXXX veteran, this prolonged uncertainty and threat of losing my home causes severe emotional and psychological harm on top of the financial harm. \nOther borrowers who complain to the Pennsylvania OAG may face the same impasse, meaning this pattern is not just about me ; it raises a systemic risk that NewRez / Shellpoint / XXXX will stonewall state-level mediation while continuing harmful servicing practices. \n\n\n\n4. Damages requested For CFPB purposes, I am asking that this complaint be treated as both an individual harm case and an indicator of a broader pattern and practice : Individual relief requested {>= $1,000,000} in compensatory, statutory, and punitive damages for : financial harm from corrupted servicing, threats of foreclosure, and fees ; severe emotional and psychological distress aggravated by my status as a 100 % permanently and totally XXXX veteran ; time, cost, and effort spent pursuing corrections through multiple regulators and now the Pennsylvania OAG.\n\nFull payoff and release of my VA-backed mortgage so that my home is secured free and clear. \nFull correction of all tradelines and credit reports to remove any delinquencies, late fees, or negative remarks that stem from the corrupted data and unresolved errors. \n\nSystemic / public-interest relief requested Creation of a {>= $1,000,000} restitution and remediation fund for other borrowers serviced by NewRez / Shellpoint XXXX XXXX whose accounts have been impacted by similar data corruption, misapplied payments, or refusal to correct errors, with priority for VA loans XXXX FHA loans XXXX and loans to active-duty military and XXXX veterans. \nA comprehensive servicing-platform audit ( data integrity, escrow handling, payment application, XXXX response procedures ) supervised by CFPB and state regulators ( including Pennsylvania OAG and Tennessee  XXXX XXXX. \nAppropriate civil money penalties for pattern-and-practice violations of RESPA, Regulation X, and unfair / deceptive acts or practices under the Consumer Financial Protection Act and applicable state UDAP laws. \n\n\n\n5. What I am asking CFPB to do Given the Pennsylvania OAG email, I respectfully request that CFPB : Treat this as evidence that NewRez / Shellpoint are refusing to participate in good-faith resolution with a state Attorney General, despite active servicing errors. \nOpen ( or expand ) a supervisory or enforcement investigation into NewRez LLC, Shellpoint Mortgage Servicing, and XXXX XXXX XXXX for violations of 12 U.S.C. 2605, 12 C.F.R. 1024.35 & 1024.38, and unfair / deceptive acts or practices. \nCoordinate with the Pennsylvania OAG XXXX XXXX XXXX XXXX to use my complaint file ( XXXX ) as part of any joint or parallel enforcement action. \nRequire the company to correct my account, pay damages, and implement systemic fixes so that other consumers are not forced into the same situation. \n\nAttached is the full email from XXXX XXXX, XXXX XXXX XXXX, Pennsylvania Office of Attorney General, XXXX XXXX XXXX XXXX, which documents the failed mediation and confirms that my complaint is being retained for possible enforcement use.","date_sent_to_company":"2025-11-19T15:07:50.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"37066","tags":"Servicemember","has_narrative":true,"complaint_id":"17370188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-11-19T14:47:57.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["The email also confirms : A copy of your complaint will remain on file for future reference and for possible use in an <em>investigation</em> or enforcement <em>action</em> we may bring to <em>protect</em> the public interest of the Commonwealth of Pennsylvania.\n\nIn plain terms : a state Attorney Generals consumer-protection <em>office</em> tried to mediate my dispute with NewRez / Shellpoint . The company refused to resolve it, and the AG is now keeping my complaint for possible enforcement use."]},"sort":[10.73204,"17370188"]},{"_index":"complaint-public-v1","_id":"18387916","_score":10.539093,"_source":{"product":"Credit card","complaint_what_happened":"Please find my letter sent to the Office of Attorney General for the state of Florida, as it contains helpful information regarding CareCredits deceptive practices and unfair credit practices : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Phone : XXXX Email : XXXX Date : XXXX XXXX, XXXX. \n\nOffice of the Attorney General State of Florida Consumer Protection Division XXXX The XXXX XXXX, FL XXXX Re : XXXX XXXX CareCredit/Synchrony Bank Sudden Closure of PerfectPayment Account , Misleading Late Payment Justification, and Severe Credit Harm Dear Attorney General Office : I am a Florida resident submitting this complaint regarding CareCredit, a medical credit card product issued by Synchrony Bank , for what I believe are unfair, deceptive, and harmful credit practices affecting my credit and potentially that of many other Floridians. \nMy specific case I opened a CareCredit account issued by Synchrony Bank in XX/XX/XXXX. The account was open for exactly XXXXXXXX XXXX \nOn or about XX/XX/XXXX, Synchrony closed this CareCredit account. \nDuring the entire period from opening through closure ( XXXX XXXX XXXX XXXXXXXX ), I never paid late on this account. All payments were made in at least the minimum required amount and on time. \nMy consumer credit reports show no XXXX, XXXX, or XXXX late codes on this CareCredit tradeline. The payment history is 100 % on time and the account is coded as Closed by credit grantor, not delinquent. \nDespite this, Synchrony/CareCredit communicated that the closure was due to late payments or similar delinquencybased reasoning, which directly conflicts with both my statements and the tradeline as reported to the credit bureaus. \nImmediately after the closure, my credit score dropped by more than XXXX points, significantly harming my credit standing, ability to obtain credit, and overall financial position. \nI believe closing a clean, oneyearold account and then citing late payments as the justification, while no late payments appear on the credit reports, is misleading and unfair, and that this behavior may be part of a broader pattern by CareCredit/Synchrony .\n\nEvidence of a broader pattern with CareCredit/Synchrony Public complaint databases, forums, and media show that my experience is not unique. There is a pattern of CareCredit/Synchrony : Closing accounts that consumers say were in good standing or paid on time. \nAttributing closures to late payments or generic risk despite the accounts being reported as current or never late. \nCausing substantial creditscore damage to consumers, including in cases involving medical and veterinary expenses. \nCFPB complaint data Examples from the Consumer Financial Protection Bureau ( CFPB ) complaint database include : CFPB Complaint No. XXXX ( Synchrony/CareCredit ) The consumer reports : CARECREDIT/SYNCHRONY BANK also closed my account when there were no missed payments or reason to close my account, and characterizes this as a violation. \nCFPB Complaint No. XXXX ( Synchrony ) A consumer reports their Synchrony account being closed without any warning whatsoever, discovering the closure only when attempting to use the card while traveling, despite believing the account was in good standing. \nCFPB Complaint No. XXXX ( CareCredit ) A consumer describes their CareCredit account being closed and their APR increased on the remaining balance while they were on automatic payments, implying that payments were being made as agreed. \nAdditional CFPB complaints and comment compilations concerning Synchrony/CareCredit have been highlighted by national consumer advocates such as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  indicating ongoing concerns with medical credit card practices and Synchronys conduct. \nForums and user reports CareCredit in good standing closed Multiple independent forum posts describe CareCredit or other Synchrony accounts closed despite being current or never late : On the XXXX XXXX ( XXXX ) XXXX a user reports that Synchrony closed my Care Credit account after nearly XXXX XXXX  with 100 % on time payments, stating Synchrony first reduced the limit and then closed the account, causing their credit score to tank. \nAnother XXXXXXXX  user describes receiving a letter that their CareCredit account was closed due to too many late payments, while they state they only had XXXX late payment and dispute the banks characterization. \nIn another XXXX thread titled CareCredit Account Closure, a user reports that CareCredit flagged them for a late payment and closed the account, while they assert they have never had a late payment in life. \nOn XXXX credit forums, users report similar conduct : In a XXXX thread Synchrony Accounts closed without warning, a poster reports that both their XXXX and XXXX Synchrony accounts always in good standing were suddenly closed after a routine review, and that their reports now show closed, never late and paid/closed, never late, both at the request of credit grantor. \nAnother XXXX  thread titled Account in good standing closed by issuer ( Synchrony ) describes an account being closed despite being in good standing, with participants noting Synchronys capricious behavior and advanced analytics used to shut accounts down suddenly. \nSynchrony closing accounts in good standing / never late across products While not all of these are CareCredit, they demonstrate Synchronys broader pattern toward Florida and U.S. consumers : On XXXX, multiple threads report Synchrony closing all or most Synchronyissued accounts even when users state they have never had a late payment ever, have high credit scores, or have just received credit limit increases. \nThese users report significant credit score drops and difficulty obtaining future credit after account closed by credit grantor appears across multiple tradelines. \nSocial media/ Florida consumer context A XXXX post titled Synchrony Bank closed my Care Credit account includes a consumer claiming that Synchrony lied in correspondence to the CFPB and states that My wife and I never had any late payments with synchrony. We always while describing closure of a CareCredit account. \nAnother XXXX XXXX XXXX bank closed account and reported to creditors in a CareCreditfocused group recounts CareCredit closures and negative reporting while consumers were paying or had corrected onetime errors. \nA XXXX XXXX post in XXXX mentions a consumer impacted by XXXX XXXX XXXX  and payment issues involving Synchrony, stating they filed a complaint with the Florida  XXXX XXXX XXXXXXXX XXXXXXXX and also opened a dispute ticket with synchrony bank, illustrating that Floridians are already seeking relief in similar financial contexts. \nMedia / litigation context A XXXX article in XXXX XXXX XXXXXXXX describes Synchrony/CareCredit as a predatory medical lender and notes prior enforcement actions ( e.g., a XXXX action returning {$34.00} XXXX for deceptive practices ) and more recent classaction litigation alleging unfair and deceptive business practices. \nThe article highlights Synchronys use of a very strong arbitration clause to limit class actions, which makes regulatory enforcement and statelevel intervention particularly important to protect consumers who have little practical recourse individually. \nWhy this matters for Florida consumers CareCredit is heavily marketed in medical, dental, and veterinary settings, often at moments of distress ( emergency care, urgent procedures ), leaving patients and pet owners feeling they have no real choice. Once consumers use the card : Synchrony can abruptly close an account, even with a perfect internal payment history, and attribute the closure to late payments or vague risk that is not visible on the tradeline. \nThis can lead to massive creditscore drops, as in my case ( over XXXX points ), affecting the consumers ability to obtain housing, transportation, and other essential credit. \nThe emerging pattern of closed, never late or closed with no missed payments accounts suggests a systemic practice rather than isolated mistakes. \nIn my case, the account was open for exactly XXXX XXXX, reported 100 % ontime payments, then was suddenly closed by the credit grantor with a late payments justification that is unsupported by the reporting data. This is particularly concerning when combined with similar stories and the medicalcredit context in which CareCredit operates.\n\nRequested action by the Florida Attorney General I respectfully request that the Florida Attorney Generals Consumer Protection Division : Review and investigate CareCredit and Synchrony Banks accountclosure and creditreporting practices as they affect Florida residents, particularly where : Accounts with 100 % ontime payment history are closed with justifications referencing late payments or unspecified risk. \nClosures cause substantial creditscore harm while the tradelines show never late or closed, never late status. \nEvaluate whether these practices constitute unfair or deceptive acts or practices under Florida law and whether enforcement or corrective action is warranted. \nRequest from Synchrony/CareCredit : Aggregate data on account closures in Florida where the internal reason code involves late payments or risk, but the tradeline shows no XXXX, XXXX, or XXXX lates. \nCopies of policies governing closures of medical credit card accounts, particularly those with current or perfect payment histories. \nEncourage or require appropriate remediation for affected Floridians, including : Correcting any inaccurate or misleading adverse explanations given to consumers. \nRemediation where closures with misleading reasoning have caused significant credit damage to accounts that were in fact on time. \nI am prepared to provide copies of : My full credit reports showing the XXXX tradeline with 100 % ontime history and closed by credit grantor notation. \nScreenshots/PDFs of the CFPB complaints, forum posts, XXXX XXXX  XXXX and media reports cited above. \nThank you for your attention to this matter and for the protection your office provides to Florida consumers. \nRespectfully submitted, XXXX XXXX XXXXXXXX XXXX XXXXXXXX","date_sent_to_company":"2025-12-31T03:17:27.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"327XX","tags":null,"has_narrative":true,"complaint_id":"18387916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-12-31T03:13:07.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The article highlights Synchronys use of a very strong arbitration clause to limit class <em>actions</em>, which makes regulatory enforcement and statelevel intervention particularly important to <em>protect</em> consumers who have little practical recourse individually."]},"sort":[10.539093,"18387916"]},{"_index":"complaint-public-v1","_id":"16242928","_score":9.592456,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to file a formal complaint regarding a wire fraud incident that occurred in XX/XX/year>, in which I was scammed out of {$2500.00}. The funds were sent via wire transfer to a Wells Fargo account, which has since been confirmed by Wells Fargo as valid. However, the bank has failed to take responsibility or cooperate meaningfully with law enforcement, despite clear violations of its own published wire transfer policies. \n\nI am a XXXX  mother, and the {$2500.00} I sent was money I had carefully saved over a long period to help my daughter purchase her first vehicle. This was not a small amount to meit represented a significant sacrifice and a milestone for our family. Losing it to fraud has caused not only financial hardship but emotional distress, especially given the lack of cooperation from Wells Fargo in resolving the matter. \n\nSummary of Incident On XX/XX/year>, I wired {$2500.00} to an individual I know personally in Indiana, believing the transaction to be legitimate. \nThe recipient account was held at Wells Fargo, and the transaction was processed without the required verification steps outlined in Wells Fargos own wire transfer policies. \nInitially, Wells Fargo claimed the account was invalid. Later, they acknowledged it was valid but refused to disclose any further information. \nI received a written response from Wells Fargos fraud investigation team acknowledging that their wire policy requires specific information to process incoming wire information that was not provided in this case.\n\nIn Wells Fargos written response dated, they confirmed that to receive a domestic wire, the following information is required : routing transit number, bank name, city and state, account number, beneficiary name, and residential address. This matches their published policy, which I have also attached as a screenshot. However, this required information was not provided, and Wells Fargo acknowledged that the name and address did not match any records in their system. Despite this, the wire was processed via XXXX XXXX XXXX ( XXXX ), without manual review or rejection. This directly contradicts their stated policy and raises serious concerns about their internal safeguards. Despite this acknowledgment, Wells Fargo has refused to explain why the wire was processed without meeting those requirements, nor have they taken any responsibility for the failure to enforce their own safeguards. \nWells Fargo also cited Section 8 ( c ) of their Online Access Agreement, which states that wires may be processed based on the account number even if the beneficiarys name does not match. However, this section applies only to outgoing wires initiated by Wells Fargo customers, not to incoming wires being received by Wells Fargo. My wire was sent to a Wells Fargo account, making this clause irrelevant. Furthermore, the section includes a disclaimer at the bottom stating : Note : among other things, this section does not apply to wire transfers that debit or credit a consumers account. Since my wire transfer did debit my consumer account, this policy does not apply. Wells Fargos use of this language to justify their actions is misleading and inconsistent with their own published terms.\n\nDespite Wells Fargos own published wire transfer policywhich requires that the account number, account holder name, and account holder address match, they processed the wire even though none of these details aligned. Wells Fargo confirmed that the account number and beneficiary name did not match any active customer, and the address provided was also incorrect. Additionally, the bank address listed in the wire instructions did not match the actual accounts bank location, which is another required field under their policy. Under standard banking protocols and their own XXXX XXXX XXXXXXXX ( XXXX ) system, this wire should have been rejected or flagged for manual review. Their failure to do so suggests either a breakdown in automated safeguards or a manual override without proper verification. \nAdditionally, the Indiana XXXX Police were informed by Wells Fargos XXXX XXXX XXXX XXXX, XXXX XXXX, during a phone call that the account holder name and address I provided did not match any records in their system. While I do not have written documentation of this call, I believe Wells Fargo maintains recordings or logs of such communications, especially those involving law enforcement and fraud investigations. \n\nLaw Enforcement Involvement The case is being actively investigated by Detective XXXX of the Indiana XXXX Police. The Indiana XXXX Police report number is XXXX. Detective XXXX has issued three subpoenas to addresses provided by Wells Fargo. Additionally, Detective XXXX was instructed by Wells Fargo to send a fourth subpoena to XXXX  instead of Wells Fargo to obtain information, which he is in the process of contacting them today. \nEach time, Wells Fargo redirected the subpoena to a different location, requiring a new subpoena to be issued, delaying the investigation and obstructing progress. \nMost recently, Wells Fargo instructed law enforcement to send the subpoena to XXXX, suggesting that XXXX may have been involved in processing the transaction. This raises further questions about Wells Fargos role and oversight. \nI also filed a report on XX/XX/year>, with the XXXX Police Department in Alabama, where I reside. The report number is XXXX. \nSubmitted a complaint on XX/XX/year>, to the FBIs XXXX ( XXXX XXXX XXXX XXXX  ). This submission number is XXXX. \n\nWells Fargos Pattern of Avoidance Based on Wells Fargos repeated failure to provide clear answers, their redirection of multiple law enforcement subpoenas, and their decision to close my case without addressing the core issues, I believe they are actively avoiding responsibility and hoping I will simply go away. This pattern of behavior is deeply troubling and unacceptable, especially given the financial and emotional harm this has caused.\n\nBroader Pattern of Wire Transfer Issues Wells Fargo has faced prior scrutiny and legal challenges related to wire transfer handling and customer complaints. My experience appears to reflect a broader pattern of inadequate safeguards and lack of transparency in resolving fraud-related wire transactions. This reinforces my concern that Wells Fargo is not taking appropriate responsibility and may be failing to protect consumers from preventable financial harm.\n\nMy Request I am requesting the following : 1. A full investigation into Wells Fargos handling of this wire transfer and their failure to follow their own policies.\n\n2. An explanation for the repeated redirection of subpoenas and lack of cooperation with law enforcement.\n\n3. Restitution of {$2500.00} that was lost due to Wells Fargos failure to enforce its wire transfer safeguards. \n\nI am prepared to provide all documentation, including : Wire transfer records Communications with Wells Fargo The fraud teams written acknowledgment of policy violations Police report numbers from both Indiana and Alabama My XXXX complaint confirmation This situation has caused significant financial and emotional distress. I am seeking accountability and resolution, and I urge your office to investigate this matter thoroughly. \n\nThank you for your time and attention.","date_sent_to_company":"2025-09-29T18:48:54.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"36535","tags":null,"has_narrative":true,"complaint_id":"16242928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-09-29T18:18:52.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am seeking accountability and resolution, and I urge your <em>office</em> to <em>investigate</em> this matter thoroughly. \n\nThank you for your time and attention."]},"sort":[9.592456,"16242928"]},{"_index":"complaint-public-v1","_id":"11181088","_score":9.513016,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I hope this letter finds you well. I am writing to formally request an investigation into the procedures employed by the major credit reporting agenciesTransUnion, XXXX, and Experianregarding the accuracy of information reported on my credit file. I am concerned about certain inaccuracies that I have identified and the subsequent failure of these agencies to provide adequate responses and documentation, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). \n\nBackground Recently, I submitted complaints to TransUnion, XXXX, and XXXX regarding incorrect information reported on my credit reports. Despite my efforts to address these inaccuracies, I have not received satisfactory responses or valid proof of the claims made by these agencies. Most importantly, I have repeatedly requested to review the \" Procedures of Accuracy '' that these agencies claim to use to verify the information in my reports. Thus far, I have not received any meaningful information or documentation in response to my requests.\n\nViolations of the Fair Credit Reporting Act ( FCRA ) The FCRA outlines specific responsibilities for credit reporting agencies, including the requirement to ensure maximum possible accuracy of the information they report. Below are specific violations of the FCRA that I believe warrant your investigation : 1. Section 607 ( b ) - Reasonable Procedures : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. I have doubts that TransUnion, XXXX, and XXXX have adhered to this requirement in my case, as the inaccuracies I reported have not been corrected nor explained. \n\n2. Section 611 - Procedure in Case of Disputed Accuracy : Upon receiving my dispute, these agencies are mandated to conduct a reasonable investigation of my claims within 30 days. I submitted my dispute to all three agencies, but they have failed to provide the required investigation results or documentation supporting the accuracy of the reported information. Their lack of response is a clear violation of this section. \n\nXXXX. Failure to Validate Debts : When I identified the inaccuracies, I requested that the agencies provide validation of the debts and the procedures they used to verify the informations accuracy. Under the FCRA, they are obligated to provide this information and their failure to do so represents another violation of my consumer rights. \n\n4. Section 623 ( a ) ( 1 ) ( A ) - Duty of Furnishers of Information : Any entity that provides information to consumer reporting agencies must ensure the accuracy of that information. If the information provided is found to be inaccurate, the furnishers have a duty to correct it. I am concerned that the agencies are not holding these furnishers accountable for the inaccurate reporting.\n\n5. Lack of Adequate Consumer Responses : The agencies have not provided timely or useful responses to my inquiries, which I believe underlines a broader failure to protect consumer rights as mandated by the FCRA. \n\nRequest for Action Given the collective issues I have faced, I respectfully ask the CFPB to conduct a thorough investigation into the practices of TransUnion, XXXX, and XXXX regarding how they handle inaccuracies and disputes. Furthermore, I urge your office to compel these agencies to provide their \" Procedures of XXXX '' and ensure they are compliant with the FCRA requirements. \n\nAs a consumer, I have the right to accurate credit reporting, and the current situation jeopardizes my financial health and fundamental rights. I appreciate your attention to this matter and look forward to your timely response. \n\nI am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is completely accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information.\n\nIt is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. \n\nPlease forward to me the name of the person you spoke with atIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. \n\nFYI, I DO NOT want a generalizedresponse stating what you typically do in an investigation. \n\nThanks!","date_sent_to_company":"2024-12-18T01:33:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90221","tags":null,"has_narrative":true,"complaint_id":"11181088","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-18T01:33:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Lack of Adequate Consumer Responses : The agencies have not provided timely or useful responses to my inquiries, which I believe underlines a <em>broader</em> failure to <em>protect</em> consumer rights as mandated by the FCRA. \n\nRequest for <em>Action</em> Given the collective issues I have faced, I respectfully ask the CFPB to conduct a thorough <em>investigation</em> into the practices of TransUnion, XXXX, and XXXX regarding how they handle inaccuracies and disputes."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[9.513016,"11181088"]},{"_index":"complaint-public-v1","_id":"11190547","_score":9.4980955,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I hope this letter finds you well. I am writing to formally request an investigation into the procedures employed by the major credit reporting agenciesXXXX XXXX  and Experianregarding the accuracy of information reported on my credit file. I am concerned about certain inaccuracies that I have identified and the subsequent failure of these agencies to provide adequate responses and documentation, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). \n\nBackground Recently, I submitted complaints to XXXX, XXXX, and Experian regarding incorrect information reported on my credit reports. Despite my efforts to address these inaccuracies, I have not received satisfactory responses or valid proof of the claims made by these agencies. Most importantly, I have repeatedly requested to review the \" Procedures of Accuracy '' that these agencies claim to use to verify the information in my reports. Thus far, I have not received any meaningful information or documentation in response to my requests. \n\nViolations of the Fair Credit Reporting Act ( FCRA ) The FCRA outlines specific responsibilities for credit reporting agencies, including the requirement to ensure maximum possible accuracy of the information they report. Below are specific violations of the FCRA that I believe warrant your investigation : 1. Section 607 ( b ) - Reasonable Procedures : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. I have doubts that XXXX, XXXX, and Experian have adhered to this requirement in my case, as the inaccuracies I reported have not been corrected nor explained. \n\n2. Section 611 - Procedure in Case of Disputed Accuracy : Upon receiving my dispute, these agencies are mandated to conduct a reasonable investigation of my claims within 30 days. I submitted my dispute to all three agencies, but they have failed to provide the required investigation results or documentation supporting the accuracy of the reported information. Their lack of response is a clear violation of this section. \n\n3. Failure to Validate Debts : When I identified the inaccuracies, I requested that the agencies provide validation of the debts and the procedures they used to verify the informations accuracy. Under the FCRA, they are obligated to provide this information and their failure to do so represents another violation of my consumer rights. \n\n4. Section 623 ( a ) ( 1 ) ( A ) - Duty of Furnishers of Information : Any entity that provides information to consumer reporting agencies must ensure the accuracy of that information. If the information provided is found to be inaccurate, the furnishers have a duty to correct it. I am concerned that the agencies are not holding these furnishers accountable for the inaccurate reporting. \n\n5. Lack of Adequate Consumer Responses : The agencies have not provided timely or useful responses to my inquiries, which I believe underlines a broader failure to protect consumer rights as mandated by the FCRA. \n\nRequest for Action Given the collective issues I have faced, I respectfully ask the CFPB to conduct a thorough investigation into the practices of XXXX, XXXX, and Experian regarding how they handle inaccuracies and disputes. Furthermore, I urge your office to compel these agencies to provide their \" Procedures of Accuracy '' and ensure they are compliant with the FCRA requirements. \n\nAs a consumer, I have the right to accurate credit reporting, and the current situation jeopardizes my financial health and fundamental rights. I appreciate your attention to this matter and look forward to your timely response. \n\nI am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is completely accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. \n\nIt is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. \n\nPlease forward to me the name of the person you spoke with atINQUIRY, INQUIRY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. \n\nFYI, I DO NOT want a generalizedresponse stating what you typically do in an investigation. \n\nThanks!","date_sent_to_company":"2024-12-18T01:33:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90221","tags":null,"has_narrative":true,"complaint_id":"11190547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-18T01:06:39.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Lack of Adequate Consumer Responses : The agencies have not provided timely or useful responses to my inquiries, which I believe underlines a <em>broader</em> failure to <em>protect</em> consumer rights as mandated by the FCRA. \n\nRequest for <em>Action</em> Given the collective issues I have faced, I respectfully ask the CFPB to conduct a thorough <em>investigation</em> into the practices of XXXX, XXXX, and Experian regarding how they handle inaccuracies and disputes."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[9.4980955,"11190547"]},{"_index":"complaint-public-v1","_id":"11191021","_score":9.47875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I hope this letter finds you well. I am writing to formally request an investigation into the procedures employed by the major credit reporting agenciesTransUnion, Equifax, and Experianregarding the accuracy of information reported on my credit file. I am concerned about certain inaccuracies that I have identified and the subsequent failure of these agencies to provide adequate responses and documentation, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). \n\nBackground Recently, I submitted complaints to XXXX, Equifax, and XXXX regarding incorrect information reported on my credit reports. Despite my efforts to address these inaccuracies, I have not received satisfactory responses or valid proof of the claims made by these agencies. Most importantly, I have repeatedly requested to review the \" Procedures of Accuracy '' that these agencies claim to use to verify the information in my reports. Thus far, I have not received any meaningful information or documentation in response to my requests. \n\nViolations of the Fair Credit Reporting Act ( FCRA ) The FCRA outlines specific responsibilities for credit reporting agencies, including the requirement to ensure maximum possible accuracy of the information they report. Below are specific violations of the FCRA that I believe warrant your investigation : 1. Section 607 ( b ) - Reasonable Procedures : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. I have doubts that XXXX, Equifax, and XXXX have adhered to this requirement in my case, as the inaccuracies I reported have not been corrected nor explained. \n\n2. Section 611 - Procedure in Case of Disputed Accuracy : Upon receiving my dispute, these agencies are mandated to conduct a reasonable investigation of my claims within 30 days. I submitted my dispute to all three agencies, but they have failed to provide the required investigation results or documentation supporting the accuracy of the reported information. Their lack of response is a clear violation of this section.\n\n3. Failure to Validate Debts : When I identified the inaccuracies, I requested that the agencies provide validation of the debts and the procedures they used to verify the informations accuracy. Under the FCRA, they are obligated to provide this information and their failure to do so represents another violation of my consumer rights.\n\n4. Section 623 ( a ) ( 1 ) ( A ) - Duty of Furnishers of Information : Any entity that provides information to consumer reporting agencies must ensure the accuracy of that information. If the information provided is found to be inaccurate, the furnishers have a duty to correct it. I am concerned that the agencies are not holding these furnishers accountable for the inaccurate reporting.\n\n5. Lack of Adequate Consumer Responses : The agencies have not provided timely or useful responses to my inquiries, which I believe underlines a broader failure to protect consumer rights as mandated by the FCRA.\n\nRequest for Action Given the collective issues I have faced, I respectfully ask the CFPB to conduct a thorough investigation into the practices of XXXX, Equifax, and XXXX regarding how they handle inaccuracies and disputes. Furthermore, I urge your office to compel these agencies to provide their \" Procedures of Accuracy '' and ensure they are compliant with the FCRA requirements.\n\nAs a consumer, I have the right to accurate credit reporting, and the current situation jeopardizes my financial health and fundamental rights. I appreciate your attention to this matter and look forward to your timely response. \n\nI am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is completely accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information.\n\nIt is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. \n\nPlease forward to me the name of the person you spoke with atIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. \n\nINQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. \n\nFYI, I DO NOT want a generalizedresponse stating what you typically do in an investigation. \n\nThanks!","date_sent_to_company":"2024-12-18T01:33:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90221","tags":null,"has_narrative":true,"complaint_id":"11191021","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-18T01:33:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Lack of Adequate Consumer Responses : The agencies have not provided timely or useful responses to my inquiries, which I believe underlines a <em>broader</em> failure to <em>protect</em> consumer rights as mandated by the FCRA.\n\nRequest for <em>Action</em> Given the collective issues I have faced, I respectfully ask the CFPB to conduct a thorough <em>investigation</em> into the practices of XXXX, Equifax, and XXXX regarding how they handle inaccuracies and disputes."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[9.47875,"11191021"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":111,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":111}]}},"product":{"doc_count":111,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":70,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":69},{"key":"Other personal consumer 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