{"took":213,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1659,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8013009","_score":14.712777,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2023, I, the consumer, sent to Navy Federal a billing error notice under 12 CFR 1026.13 disputing the entire amount of alleged credit card debt and to request all documentary evidence related to my account. They responded on XX/XX/2023 stating that they can assure that the debt is valid without conducting any reasonable investigation nor producing any documents they are required to provide following a billing error dispute along with three of my most recent statements, credit card agreement, and my initial billing notice error attached via USPS mail. I responded on XX/XX/2023 stating that I further dispute any alleged debt that has been deemed valid without any proper investigations done. They then responded on XX/XX/2023 stating that there are unable to identify an open Credit Card Dispute. It has not been 90 days since notice has been sent and by Navy Federal completely disregarding the consumer 's wishes and concerns is in direct violation of TILA and Regulation Z by failing to comply with requirements for creditors during billing error resolutions. Navy Federal also continues to collect on at least the minimum payment due even though the entire amount is in dispute, which means they are prohibited from collection.","date_sent_to_company":"2023-12-16T20:09:51.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"28546","tags":null,"has_narrative":true,"complaint_id":"8013009","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-12-16T19:21:33.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["They responded on XX/XX/2023 stating that they can assure that the debt is valid <em>without</em> conducting any <em>reasonable</em> <em>investigation</em> nor producing any documents they are required to provide following a billing <em>error</em> dispute along with three of my most recent statements, credit card agreement, and my initial billing notice <em>error</em> attached via USPS mail. I responded on XX/XX/2023 stating that I further dispute any <em>alleged</em> debt that has been deemed valid <em>without</em> any proper <em>investigations</em> done."]},"sort":[14.712777,"8013009"]},{"_index":"complaint-public-v1","_id":"18351652","_score":13.137225,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against XXXX XXXX XXXX for furnishing inaccurate and unverifiable credit information to Experian in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ). \n\nXXXX XXXX XXXX is reporting my account ( Account # XXXX ) as open and current, while simultaneously reporting 30-day late payments. This reporting is internally inconsistent and materially inaccurate. The payment history grid does not support the alleged late payments, and there is no corresponding billing activity, due date documentation, or contractual evidence to substantiate any delinquency. \n\nI have disputed this information multiple times directly with Experian and XXXX XXXX XXXX. Despite these disputes, the furnisher has failed to conduct a reasonable investigation and has continued to report the same inaccurate late payment information without providing documentation to verify its accuracy. This constitutes a failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). \n\nAdditionally, XXXX XXXX XXXX has failed to comply with the Fair Credit Billing Act. I disputed the alleged late payments as billing errors, yet the creditor has not provided billing statements, payment due dates, grace periods, or any explanation showing how or why a delinquency was assessed. Reporting a late payment that can not be substantiated by billing records constitutes an unresolved billing error under 15 U.S.C. 1666. \n\nAt this stage, continued reporting of these late payments is willful noncompliance. The inaccurate information is damaging my credit profile and is being reported without lawful verification.","date_sent_to_company":"2025-12-29T21:21:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91405","tags":null,"has_narrative":true,"complaint_id":"18351652","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-29T21:18:45.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Despite these disputes, the furnisher has failed to conduct a <em>reasonable</em> <em>investigation</em> and has continued to report the same inaccurate late payment information <em>without</em> providing documentation to verify its accuracy. This constitutes a failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and a failure to conduct a <em>reasonable</em> reinvestigation under 15 U.S.C. 1681i ( a ). \n\nAdditionally, XXXX XXXX XXXX has failed to comply with the Fair Credit Billing Act."]},"sort":[13.137225,"18351652"]},{"_index":"complaint-public-v1","_id":"21440945","_score":12.915352,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a formal complaint against KeyBank regarding its handling of unauthorized recurring ACH debits from my account. \n\nBeginning in XX/XX/year>, a series of recurring ACH withdrawals in the amount of {$140.00} were debited from my account each month on or around the 10th, by a merchant listed as XXXX XXXX XXXX AP. These withdrawals continued consistently for approximately four years. I did not authorize these transactions and have no relationship with this company. Upon discovering the issue, I promptly contacted KeyBank to report the transactions as unauthorized. The bank closed my account and initiated a dispute.\n\nKeyBank denied reimbursement for the majority of the debits, citing a 60-day notification rule and asserting that no error occurred. This determination is conclusory, unsupported by evidence, and reflects a failure to conduct a reasonable investigation. \nThis determination is conclusory, unsupported by evidence, and reflects a failure to conduct a reasonable investigation.\n\nCritically, KeyBanks response does not indicate that it : -Obtained or reviewed any ACH authorization -Requested proof of authorization from the originating merchant -Conducted any substantive analysis as to whether t\n\nhe debits were authorized Instead, KeyBank relied exclusively on a procedural timing defense to deny the claim. Under the Electronic Fund Transfer Act, a financial institution is required to conduct a good-faith and reasonable investigation of alleged errors. While notification timing may affect certain liability limitations, it does not eliminate the requirement that transactions be authorized in the first instance.\n\nAdditionally, ACH network rules require that valid authorization be obtained and retained for all debits. To date, KeyBank has not produced, referenced, or confirmed the existence of any such authorization.\n\nKeyBanks position raises serious concerns : -It declared no error occurred without verifying authorization -It failed to perform a reasonable investigation into whether the debits were authorized -It relied on a timing technicality while disregarding whether the transactions were authorized This conduct also raises concerns under New York law XXXX By asserting that no error occurred without verifying whether the recurring debits were authorized, KeyBank provided a misleading and incomplete explanation of my rights as a consumer. This appears inconsistent with New York General Business Law 349, which prohibits deceptive acts and practices in consumer transactions. A reasonable consumer would expect that a bank claiming no error has verified whether the transactions were in fact authorized. \n\nFurther, the failure to determine whether these debits were properly authorized raises concerns as to whether these transactions were properly payable under applicable law. \n\nI am formally requesting that KeyBank : -Produce the complete ACH authorization ( signed, recorded, or otherwise verifiable ) permitting XXXX XXXX XXXX AP to debit my account -Provide a detailed account of its investigation, including all steps taken to verify authorization -Reimburse all debits if valid authorization can not be produced If KeyBank is unable to produce valid authorization, its continued refusal to reimburse these transactions raises significant concerns regarding compliance with consumer protection obligations governing electronic fund transfers. \n\nI am requesting regulatory review of KeyBanks investigative practices and denial rationale.","date_sent_to_company":"2026-04-21T15:22:51.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"10977","tags":null,"has_narrative":true,"complaint_id":"21440945","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"KEYCORP","date_received":"2026-04-21T15:14:19.000Z","state":"NY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["KeyBanks position raises serious concerns : -It declared no <em>error</em> occurred <em>without</em> verifying authorization -It failed to perform a <em>reasonable</em> <em>investigation</em> into whether the debits were authorized -It relied on a timing technicality while disregarding whether the transactions were authorized This conduct also raises concerns under New York law XXXX By asserting that no <em>error</em> occurred <em>without</em> verifying whether the recurring debits were authorized, KeyBank provided a misleading and incomplete explanation"]},"sort":[12.915352,"21440945"]},{"_index":"complaint-public-v1","_id":"14686113","_score":12.692807,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX and the Credit Bureau has Violated the Fair Credit Reporting Act Involving Fraudulent Inaccurate Bank Records for the past Six ( 6 ) Years. Despite Numerous Disputes the Erroneous Credit Information was never Corrected the Bank Failed to perform a Reasonable Investigation after Written Notice and Demand to the Bank and the Credit Bureau. Time for and Contents of Notice, Procedure upon Receipt of Notice. The Bank has Fraudulently Charge Off Two Line of Credit the first opened XX/XX/XXXX and charged Off on XX/XX/XXXX with a {$340.00} First Delinquency Illegally Reporting to the Credit Bureau 's Accounts My Bank Statements show the Transactional Error and Inaccuracy of the Outstanding Balance of {$340.00} my Bank Statement XXXX Dated XX/XX/XXXX shows a Line of Credit dated XX/XX/XXXX with a total amount due of {$75.00} not the Inaccurate {$340.00} Reporting to the Credit Bureau 's the Alleged Delinquency is under my XXXXXXXX XXXX XXXX XXXX with a Beginning Balance of {$33000.00} with a {$1000.00} late fee dated XX/XX/XXXX this Erroneous Transaction is reporting to the Credit Bureau 's without a Reasonable Investigation into my Complaints","date_sent_to_company":"2025-07-16T17:19:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89128","tags":null,"has_narrative":true,"complaint_id":"14686113","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-16T17:19:28.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["is under my XXXXXXXX XXXX XXXX XXXX with a Beginning Balance of {$33000.00} with a {$1000.00} late fee dated XX/XX/XXXX this Erroneous Transaction is reporting to the Credit Bureau 's <em>without</em> a <em>Reasonable</em> <em>Investigation</em> into my Complaints"]},"sort":[12.692807,"14686113"]},{"_index":"complaint-public-v1","_id":"18338242","_score":12.671964,"_source":{"product":"Credit card","complaint_what_happened":"Unresolved Credit Card Billing Error Charged for Merchandise Not Received ( {$2000.00} ) I am submitting this complaint regarding Barclays Bank Delawares failure to properly resolve a credit card billing dispute involving a {$2000.00} charge for merchandise I do not possess. \nOn XX/XX/year>, I purchased a new-with-tags XXXX dress from merchant XXXX using my Barclays credit card. I received the item on XX/XX/year>. The dress was significantly too large and was returned the very next day in unworn condition, with all tags attached, exactly as received, in compliance with the merchants published return policy. \nXXXX improperly denied the return, alleging a minor interior mark that did not reflect the condition in which the item was received or returned. Weeks later, without my authorization, the merchant shipped the dress back to me. I immediately contacted Barclays and was explicitly instructed by a Barclays representative to refuse acceptance of the shipment. I followed those instructions. The merchandise was never re-delivered to me and is not in my possession. \nBarclays initially ruled in my favor and indicated that I was not responsible for the charge. That decision was later reversed without a clear or reasonable explanation. I was then informed the dispute had been closed due to alleged inability to reach me, despite only one attempted call and my return call within minutes. Since then, Barclays has failed to meaningfully engage or correct the error. \nThis dispute is not about product quality or merchant preference. It is a billing error involving failure to issue a refund after a valid return and billing for merchandise not received. Under the Fair Credit Billing Act, I should not be held responsible for this charge. \nI am requesting that the CFPB require Barclays to conduct a proper investigation, reopen this dispute, and permanently reverse the {$2000.00} charge.","date_sent_to_company":"2025-12-29T12:14:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"18338242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-12-29T12:06:46.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["That decision was later reversed <em>without</em> a clear or <em>reasonable</em> explanation. I was then informed the dispute had been closed due to <em>alleged</em> inability to reach me, despite only one attempted call and my return call within minutes. Since then, Barclays has failed to meaningfully engage or correct the <em>error</em>. \nThis dispute is not about product quality or merchant preference. It is a billing <em>error</em> involving failure to issue a refund after a valid return and billing for merchandise not received."]},"sort":[12.671964,"18338242"]},{"_index":"complaint-public-v1","_id":"14691627","_score":12.665358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX and the Credit Bureau has Violated the Fair Credit Reporting Act Involving Fraudulent Inaccurate Bank Records for the past Six ( 6 ) Years. Despite Numerous Disputes the Erroneous Credit Information was never Corrected the Bank Failed to perform a Reasonable Investigation after Written Notice and Demand to the Bank and the Credit Bureau. Time for and Contents of Notice, Procedure upon Receipt of Notice. The Bank has Fraudulently Charge Off Two Line of Credit the first opened XX/XX/XXXX and charged Off on XX/XX/XXXX with a {$340.00} First Delinquency Illegally Reporting to the Credit Bureau 's Accounts My Bank Statements show the Transactional Error and Inaccuracy of the Outstanding Balance of {$340.00} my Bank Statement XXXX Dated XX/XX/XXXX shows a Line of Credit dated XX/XX/XXXX with a total amount due of {$75.00} not the Inaccurate {$340.00} Reporting to the Credit Bureau 's the Alleged Delinquency is under my XXXXXXXX XXXX XXXX XXXX with a Beginning Balance of {$33000.00} with a {$1000.00} late fee dated XX/XX/XXXX this Erroneous Transaction is reporting to the Credit Bureau 's without a Reasonable Investigation into my Complaints","date_sent_to_company":"2025-07-16T17:20:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89128","tags":null,"has_narrative":true,"complaint_id":"14691627","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-16T14:47:47.000Z","state":"NV","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["is under my XXXXXXXX XXXX XXXX XXXX with a Beginning Balance of {$33000.00} with a {$1000.00} late fee dated XX/XX/XXXX this Erroneous Transaction is reporting to the Credit Bureau 's <em>without</em> a <em>Reasonable</em> <em>Investigation</em> into my Complaints"]},"sort":[12.665358,"14691627"]},{"_index":"complaint-public-v1","_id":"14686112","_score":12.656822,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX and the Credit Bureau has Violated the Fair Credit Reporting Act Involving Fraudulent Inaccurate Bank Records for the past Six ( 6 ) Years. Despite Numerous Disputes the Erroneous Credit Information was never Corrected the Bank Failed to perform a Reasonable Investigation after Written Notice and Demand to the Bank and the Credit Bureau. Time for and Contents of Notice, Procedure upon Receipt of Notice. The Bank has Fraudulently Charge Off Two Line of Credit the first opened XX/XX/XXXX and charged Off on XX/XX/XXXX with a {$340.00} First Delinquency Illegally Reporting to the Credit Bureau 's Accounts My Bank Statements show the Transactional Error and Inaccuracy of the Outstanding Balance of {$340.00} my Bank Statement XXXX Dated XX/XX/XXXX shows a Line of Credit dated XX/XX/XXXX with a total amount due of {$75.00} not the Inaccurate {$340.00} Reporting to the Credit Bureau 's the Alleged Delinquency is under my XXXXXXXX XXXX XXXX XXXX with a Beginning Balance of {$33000.00} with a {$1000.00} late fee dated XX/XX/XXXX this Erroneous Transaction is reporting to the Credit Bureau 's without a Reasonable Investigation into my Complaints","date_sent_to_company":"2025-07-16T17:19:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89128","tags":null,"has_narrative":true,"complaint_id":"14686112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-16T17:19:28.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["is under my XXXXXXXX XXXX XXXX XXXX with a Beginning Balance of {$33000.00} with a {$1000.00} late fee dated XX/XX/XXXX this Erroneous Transaction is reporting to the Credit Bureau 's <em>without</em> a <em>Reasonable</em> <em>Investigation</em> into my Complaints"]},"sort":[12.656822,"14686112"]},{"_index":"complaint-public-v1","_id":"11658066","_score":12.517573,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the information on my ChexSystems file, specifically the entry provided by XXXX XXXX XXXX XXXX ( source of information ). This dispute concerns the account marked for Account Abuse, which ChexSystems has verified as accurate per their recent communication dated [ XX/XX/year> ]. I assert that the process used to verify the information does not satisfy the requirements set forth by the Fair Credit Reporting Act ( FCRA ), specifically under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that all disputed information must be verifiable through a reasonable investigation. \n\nI am requesting that ChexSystems provide the following information to substantiate their verification of the disputed account entry : Provide documentation or a detailed description of the method used to verify the accuracy and completeness of the information reported by XXXX XXXX XXXX XXXX, including how the alleged account abuse was validated. \n\nPlease provide copies of any supporting documents or communications obtained from XXXX XXXX XXXX XXXX, confirming that the information they provided is accurate and complete, especially in relation to the alleged account abuse. \n\nA clear explanation of how the investigation was conducted by ChexSystems to ensure the accuracy of the disputed entry, and why it was determined to be accurate without any errors or omissions.","date_sent_to_company":"2025-01-17T21:56:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"030XX","tags":null,"has_narrative":true,"complaint_id":"11658066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2025-01-17T21:56:49.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please provide copies of any supporting documents or communications obtained from XXXX XXXX XXXX XXXX, confirming that the information they provided is accurate and complete, especially in relation to the <em>alleged</em> account abuse. \n\nA clear explanation of how the <em>investigation</em> was conducted by ChexSystems to ensure the accuracy of the disputed entry, and why it was determined to be accurate <em>without</em> any <em>errors</em> or omissions."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an <em>error</em> on your report"]},"sort":[12.517573,"11658066"]},{"_index":"complaint-public-v1","_id":"19004372","_score":12.4659195,"_source":{"product":"Debt collection","complaint_what_happened":"This is in response to CFPB Complaint # XXXX -- -i will attach to this complaint I will attach the screenshot of how this account is being reported incorrectly on my consumer report and yet unresolved. \n\nI am disputing Concora Credit Inc. and XXXX XXXX XXXX XXXXXXXX response to my prior CFPB complaint regarding my Milestone Mastercard account. \n\nThe response fails to address violations of the Fair Credit Billing Act ( FCBA ) and relies on conclusory statements rather than evidence establishing the accuracy or authorization of the alleged debt. \n\nFailure to Comply With FCBA Billing Error Requirements I submitted a written billing dispute regarding the alleged {$450.00} balance and inaccurate credit reporting. Under 15 U.S.C. 1666 ( a ), the creditor was required to conduct a reasonable investigation and either correct the account or explain, with evidence, why the balance is accurate. \n\nInstead, Concora issued a generic response asserting that it is authorized to report without addressing the specific billing errors raised. \n\nThis constitutes a violation of 15 U.S.C. 1666 ( a ).\n\nFailure to Prove Charges Were Authorized Concora has not produced a contract or agreement bearing my signature, nor any documentation demonstrating that the alleged charges were authorized by me.\n\nA billing error includes charges not made or authorized by the consumer. Continuing to assert liability without proof violates 15 U.S.C. 1666 ( b ) ( 1 ).\n\nAccount printouts and billing statements do not establish consumer authorization Failure to Substantiate the Amount Allegedly Owed Concora has failed to substantiate how the alleged {$450.00} balance was calculated, particularly where the same account is reported inconsistently across consumer reporting agencies, including : One bureau reporting the account as open, current, and {$0.00} balance Others reporting closed, 60 days late, and {$450.00} balance Conflicting monthly payment obligations This constitutes a violation of 15 U.S.C. 1666a ( a ).\n\nImproper Credit Reporting During an Unresolved Billing Dispute Despite the unresolved billing dispute, Concora continued adverse credit reporting without correcting inaccuracies or ensuring consistent reporting across CRAs.\n\nThis conduct frustrates the purpose of the FCBA and results in ongoing consumer harm I am forwarding this to the NYS Attorney General 's office as well.","date_sent_to_company":"2026-01-26T14:57:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"10467","tags":null,"has_narrative":true,"complaint_id":"19004372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2026-01-26T14:41:58.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Under 15 U.S.C. 1666 ( a ), the creditor was required to conduct a <em>reasonable</em> <em>investigation</em> and either correct the account or explain, with evidence, why the balance is accurate. \n\nInstead, Concora issued a generic response asserting that it is authorized to report <em>without</em> addressing the specific billing <em>errors</em> raised. \n\nThis constitutes a violation of 15 U.S.C. 1666 ( a )."]},"sort":[12.4659195,"19004372"]},{"_index":"complaint-public-v1","_id":"17814759","_score":12.431453,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Portfolio Recovery Associates has not conducted a proper reinvestigation of the disputed accounts. Despite multiple disputes, PRA continues to send the same generic documents and has not addressed any of the inaccuracies I identified. Their repeated responses do not constitute a reasonable investigation under FCRA 1681s-2 ( b ) or FCRA 1681i. \n\nPRA was asked to verify the accuracy of the information they are furnishing. Instead of investigating the specific issues raised, they repeatedly sent the same recycled statements and form letters, without verifying ownership, correcting inconsistencies, or resolving the reporting errors. \n\nKey issues PRA failed to investigate : Two separate alleged accounts are being reported under the same masked account number on my XXXX file. PRA has not addressed or corrected this discrepancy. \n\nPRA reports Date Opened as XXXX and XXXX, despite stating the accounts originated years earlier. PRA has not provided or verified the original Date of First Delinquency, which is required for accurate reporting. \n\nPRA has not provided any documentation proving they are the legal owner of these alleged accounts or that the amounts they are reporting are accurate.\n\nPRA has not provided or verified the chain of title for either account. \n\nPRA has not provided any documentation showing it has the legal right to furnish my information to the credit bureaus. \n\nDespite these unresolved issues, PRA continues to report the accounts as verified. This demonstrates an inadequate and incomplete reinvestigation process. I will attach the documents PRA sent me, which they claim are sufficient validation, so the CFPB can see that they do not meet FDCPA or FCRA requirements.","date_sent_to_company":"2025-12-07T22:31:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33033","tags":null,"has_narrative":true,"complaint_id":"17814759","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-12-07T22:12:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Their repeated responses do not constitute a <em>reasonable</em> <em>investigation</em> under FCRA 1681s-2 ( b ) or FCRA 1681i. \n\nPRA was asked to verify the accuracy of the information they are furnishing. Instead of <em>investigating</em> the specific issues raised, they repeatedly sent the same recycled statements and form letters, <em>without</em> verifying ownership, correcting inconsistencies, or resolving the reporting <em>errors</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an <em>error</em> on your report"]},"sort":[12.431453,"17814759"]},{"_index":"complaint-public-v1","_id":"5877246","_score":12.386543,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint Against XXXX and EXPERIAN XXXX XXXX XXXX made false claims ( that they have since retracted ) about XXXX ( XXXX ) late payment dating back to XX/XX/2020. Although XXXX XXXX XXXX fixed the error on their side, and has notified XXXX and Experian, XXXX and Experian refuse to correct the false report and is publishing false information about me without my consent. \n\nIt is my understanding that : According to : 15 U.S. Code 1681b - A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless the consumer consents to the furnishing of the report.\n\nSection 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.\n\nSection 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. \n\nXXXX. I have provided NO WRITTEN CONSENT to XXXX or Experian or to XXXX XXXX XXXX to provide/publish/display/collect information about me, my credit or financials XXXX. XXXX and Experian have been informed about the error and continues to provide false information XXXX. XXXX and Experian have not performed a reasonable investigation into the matter, which if they had, would quickly determine the report was false, as was realized by XXXX XXXX XXXX. \n\nNeed XXXX and Experian to remedy this immediately : XXXX. Remove false late payment information","date_sent_to_company":"2022-08-15T01:10:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33823","tags":null,"has_narrative":true,"complaint_id":"5877246","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-08-15T01:10:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX and Experian have been informed about the <em>error</em> and continues to provide false information XXXX. XXXX and Experian have not performed a <em>reasonable</em> <em>investigation</em> into the matter, which if they had, would quickly determine the report was false, as was realized by XXXX XXXX XXXX. \n\nNeed XXXX and Experian to remedy this immediately : XXXX. Remove false late payment information"]},"sort":[12.386543,"5877246"]},{"_index":"complaint-public-v1","_id":"11984292","_score":12.37364,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX for XXXX to Investigate and Respond to XXXX XXXX I am filing a formal complaint against XXXX for its continued failure to properly investigate and respond to my disputes regarding an alleged medical debt from Aargon Collection Agency. Despite multiple disputes submitted over the past year, including documentation directly from the data furnisher, XXXX has refused to take appropriate action. \n\nSummary of Events : Over the past 12 months, I have submitted multiple disputes to XXXX requesting verification of the validity of a XXXX debt allegedly placed by Aargon Collection Agency. \nI provided supporting documentation from the data furnisher itself, demonstrating errors in the reporting. \nXXXX has failed to conduct a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ), and has ignored my requests for clarification. \nDespite my repeated efforts, XXXX has either failed to respond or has provided vague, automated responses without a proper reinvestigation. \n\nViolations of XXXX Rights : Under 15 U.S. Code 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and provide a response within 30 days. XXXX has failed to meet this obligation. \nUnder 15 U.S. Code 1681e ( b ), XXXX is required to maintain reasonable procedures to ensure maximum possible accuracy in credit reporting. Their failure to investigate properly calls into question their compliance with this requirement. \nThe refusal to respond despite receiving direct evidence from the data furnisher constitutes willful noncompliance, making them potentially liable under 15 U.S. Code 1681n. \n\nXXXX XXXX : A full and proper investigation into the disputed XXXX  debt. \nRemoval of the alleged debt from my credit report due to XXXX failure to verify its accuracy. \nA detailed explanation of the procedures used in their previous investigations. \nCompliance with the FCRA in all future disputes. \n\nI am submitting this complaint because XXXX inaction has caused financial harm by negatively affecting my credit profile. I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure compliance with federal law.","date_sent_to_company":"2025-02-08T01:45:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89148","tags":null,"has_narrative":true,"complaint_id":"11984292","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aargon Agency, Inc.","date_received":"2025-02-08T01:45:05.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I provided supporting documentation from the data furnisher itself, demonstrating <em>errors</em> in the reporting. \nXXXX has failed to conduct a <em>reasonable</em> <em>investigation</em>, as required under the Fair Credit Reporting Act ( FCRA ), and has ignored my requests for clarification. \nDespite my repeated efforts, XXXX has either failed to respond or has provided vague, automated responses <em>without</em> a proper reinvestigation. \n\nViolations of XXXX Rights : Under 15 U.S."],"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":[12.37364,"11984292"]},{"_index":"complaint-public-v1","_id":"11984052","_score":12.37364,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against Experian for Failure to Investigate and Respond to Credit Dispute I am filing a formal complaint against Experian for its continued failure to properly investigate and respond to my disputes regarding an alleged medical debt from XXXX XXXX XXXX. Despite multiple disputes submitted over the past year, including documentation directly from the data furnisher, Experian has refused to take appropriate action. \n\nSummary of Events : Over the past XXXX months, I have submitted multiple disputes to Experian requesting verification of the validity of a medical debt allegedly placed by XXXX XXXX XXXX. \nI provided supporting documentation from the data furnisher itself, demonstrating errors in the reporting. \nExperian has failed to conduct a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ), and has ignored my requests for clarification. \nDespite my repeated efforts, Experian has either failed to respond or has provided vague, automated responses without a proper reinvestigation. \n\nViolations of Consumer Rights : Under 15 U.S. Code 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and provide a response within 30 days. Experian has failed to meet this obligation.\n\nUnder 15 U.S. Code 1681e ( b ), Experian is required to maintain reasonable procedures to ensure maximum possible accuracy in credit reporting. Their failure to investigate properly calls into question their compliance with this requirement. \nThe refusal to respond despite receiving direct evidence from the data furnisher constitutes willful noncompliance, making them potentially liable under 15 U.S. Code 1681n.\n\nRelief Sought : A full and proper investigation into the disputed medical debt. \nRemoval of the alleged debt from my credit report due to XXXX failure to verify its accuracy. \nA detailed explanation of the procedures used in their previous investigations. \nCompliance with the FCRA in all future disputes. \n\nI am submitting this complaint because XXXX inaction has caused financial harm by negatively affecting my credit profile. I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure compliance with federal law.","date_sent_to_company":"2025-02-08T01:45:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89148","tags":null,"has_narrative":true,"complaint_id":"11984052","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-08T01:29:42.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I provided supporting documentation from the data furnisher itself, demonstrating <em>errors</em> in the reporting. \nExperian has failed to conduct a <em>reasonable</em> <em>investigation</em>, as required under the Fair Credit Reporting Act ( FCRA ), and has ignored my requests for clarification. \nDespite my repeated efforts, Experian has either failed to respond or has provided vague, automated responses <em>without</em> a proper reinvestigation. \n\nViolations of Consumer Rights : Under 15 U.S."],"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":[12.37364,"11984052"]},{"_index":"complaint-public-v1","_id":"5877213","_score":12.36321,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint Against EQUIFAX and XXXX XXXX XXXX XXXX made false claims ( that they have since retracted ) about XXXX ( XXXX ) late payment dating back to XX/XX/2020. Although XXXX XXXX XXXX fixed the error on their side, and has notified Equifax and XXXX, Equifax and XXXX refuse to correct the false report and is publishing false information about me without my consent. \n\nIt is my understanding that : According to : 15 U.S. Code 1681b - A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless the consumer consents to the furnishing of the report.\n\nSection 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.\n\nSection 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. \n\nXXXX. I have provided NO WRITTEN CONSENT to Equifax or XXXX or to XXXX XXXX XXXX to provide/publish/display/collect information about me, my credit or financials XXXX. XXXX and XXXX have been informed about the error and continues to provide false information 3. Equifax and XXXX have not performed a reasonable investigation into the matter, which if they had, would quickly determine the report was false, as was realized by XXXX XXXX XXXX. \n\nNeed Equifax and XXXX to remedy this immediately : 1. Remove false late payment information","date_sent_to_company":"2022-08-15T01:10:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33823","tags":null,"has_narrative":true,"complaint_id":"5877213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-08-15T01:03:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX and XXXX have been informed about the <em>error</em> and continues to provide false information 3. Equifax and XXXX have not performed a <em>reasonable</em> <em>investigation</em> into the matter, which if they had, would quickly determine the report was false, as was realized by XXXX XXXX XXXX. \n\nNeed Equifax and XXXX to remedy this immediately : 1. Remove false late payment information"]},"sort":[12.36321,"5877213"]},{"_index":"complaint-public-v1","_id":"12077175","_score":12.324225,"_source":{"product":"Credit card","complaint_what_happened":"There was a Billing Error incurred on my XXXX XXXX XXXX account on XX/XX/year> in the total amount of {$370.00} from reseller / vendor XXXX XXXX XXXX comprised of : {$320.00} in goods not delivered, and {$57.00} in goods not agreed i.e. XXXX items that I felt were misrepresented on the website however I havent been granted an opportunity to return them for a refund. \n\nBased on everything that I have witnessed during the past year : XXXX. In conducting their ( ongoing ) investigation of a billing error notice alleging the non-delivery of property or services under XXXX ( a ) ( XXXX ), Synchrony has repeatedly denied ( or at a minimum attempted to deny ) the assertion without conducting a reasonable investigation to determine that the property or services were actually delivered, mailed, or sent as agreed. As outlined in this report I have contacted XXXX  myself, obtained concrete evidence of non-delivery and submitted this to Synchrony along with a XXXX reference number. They have seemingly never contacted XXXX  themselves and have never made any effort to explain to me why they are unwilling or unable to refute, or even merely address, the evidence that I have furnished them straight from the XXXX XXXX. \n\nXXXX. In conducting their ( ongoing ) investigation of a notice of billing error alleging an unauthorized transaction under XXXX ( a ) ( XXXX ), Synchrony has failed to properly offer any sort of recourse to this issue after I submitted evidence that I attempted to initiate a return on XXXX of the items that were delivered to my address. XXXX XXXX XXXX ( XXXX ) ceased communicating with me after I had offered to send back the items while paying return shipping at my own expense. This was immediately explained to Synchrony when I initiated the dispute, yet XXXX only proposed solution regarding resolving this problem thus far is to contact the seller to deal with it myself which I would be happy to do if the seller was still being communicative.","date_sent_to_company":"2025-02-21T22:52:52.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"21921","tags":null,"has_narrative":true,"complaint_id":"12077175","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-02-15T02:42:21.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["In conducting their ( ongoing ) <em>investigation</em> of a billing <em>error</em> notice <em>alleging</em> the non-delivery of property or services under XXXX ( a ) ( XXXX ), Synchrony has repeatedly denied ( or at a minimum attempted to deny ) the assertion <em>without</em> conducting a <em>reasonable</em> <em>investigation</em> to determine that the property or services were actually delivered, mailed, or sent as agreed."]},"sort":[12.324225,"12077175"]},{"_index":"complaint-public-v1","_id":"18332080","_score":12.310528,"_source":{"product":"Debt collection","complaint_what_happened":"I am reporting false and inaccurate credit reporting and improper collection activity related to an alleged XXXX XXXX XXXX XXXX XXXX account that was properly returned years ago. \nAfter returning the instrument to the XXXX & XXXX XXXX XXXX location, I was later contacted and informed it had allegedly not been returned. I immediately spoke with store management, who acknowledged this was likely an internal inventory error and assured me the issue would be corrected. Relying on that representation, I believed the matter was resolved. \nYears later, without notice or verification, an alleged balance of approximately {$1800.00} was sent to collections and reported to consumer reporting agencies by Kinum, causing significant damage to my credit profile and interfering with active financial and assistance applications. \nI dispute owing any balance. The debt is invalid, results from internal record-keeping failures, and is being reported without proper verification or investigation. Despite multiple written notices and disputes, the companies involved have failed to respond or correct the reporting. \nThis conduct appears to violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) by furnishing materially inaccurate information, failing to conduct a reasonable investigation after notice, and continuing to report an unverified debt. \nI am requesting regulatory intervention to require : Immediate deletion of the account from all consumer reporting agencies Cessation of all collection activity Written confirmation that the account has been closed with a zero balance","date_sent_to_company":"2025-12-28T23:39:31.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"92504","tags":null,"has_narrative":true,"complaint_id":"18332080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kinum, Inc., Indianapolis, IN Branch","date_received":"2025-12-28T23:30:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Years later, <em>without</em> notice or verification, an <em>alleged</em> balance of approximately {$1800.00} was sent to collections and reported to consumer reporting agencies by Kinum, causing significant damage to my credit profile and interfering with active financial and assistance applications. \nI dispute owing any balance. The debt is invalid, results from internal record-keeping failures, and is being reported <em>without</em> proper verification or <em>investigation</em>."]},"sort":[12.310528,"18332080"]},{"_index":"complaint-public-v1","_id":"7337045","_score":12.304911,"_source":{"product":"Debt collection","complaint_what_happened":"Attached is a copy of a check from NFCU/Navy Federal Credit Union bearing my alleged signature. Also, attached is a promissory note ( a copy ) unsigned bearing no signature, just alleged loan information i.e. amounts and my personal information. The promissory Note has lined titled \" Applicant ( Member ) '' notice it has no signature. NFCU, this is my 18th request of Debt Validation pursuant 15 USC 1692g of the Fair Debt Collection Practices Act.\n\nI am asking for a signed original ( bearing my wet signature ) copy of the Promissory Note, Security Agreement and Disclosure loan # XXXX in the amount of {$48000.00}. \n\nI am not asking for a copy check ( addressed NAVY FEDERAL CREDIT UNION ) that has xeroxed front and back bearing what is to be my alleged signature. I am asking for the Promissory Note. \n\nNFCU is reporting information that it knows is incorrect, false and wrong. \nAccording to the 15 USC1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n\n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. \n\nI HAVE INFORMED NFCU 18 TIMES OF THIS ERROR! Yet you report information that is wrong without out proof or investigation. \n\nRemove yourselves from my consumer report immediately","date_sent_to_company":"2023-08-01T15:54:12.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"60411","tags":"Servicemember","has_narrative":true,"complaint_id":"7337045","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-08-01T15:11:19.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["( B ) Reporting information after notice and confirmation of <em>errors</em> A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. \n\nI HAVE INFORMED NFCU 18 TIMES OF THIS <em>ERROR</em>! Yet you report information that is wrong <em>without</em> out proof or <em>investigation</em>."]},"sort":[12.304911,"7337045"]},{"_index":"complaint-public-v1","_id":"15591110","_score":12.296266,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing in response to Goldman Sachs Bank XXXX reply dated XX/XX/year>, concerning my complaint regarding the Apple Card and its reporting to the credit bureaus. While the Bank asserts that no error occurred and has closed the matter, I respectfully disagree and request that the CFPB continue its review based on the following points : -- - 1. Failure to Conduct a Reasonable Investigation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation of disputes. Goldman Sachs response merely restates its internal records without demonstrating that it evaluated whether the information furnished was fair, accurate, complete, and not misleading.\n\nSimply confirming that late payments appear in internal records does not satisfy the statutory requirement of a reasonable investigation.\n\nThere is no evidence the Bank reviewed potential systemic errors, payment posting delays, or electronic notice delivery failures that could have contributed to the alleged delinquency.\n\n-- - 2. Incomplete and Misleading Reporting Even if late payments occurred, the FCRA mandates that data furnished must be both accurate and complete. Information can be technically accurate but still misleading, rendering it inaccurate under the FCRA.\n\nGoldman Sachs did not address whether : All reported delinquencies were consistently reported to all three major credit reporting agencies ( CRAs ).\n\nMy accounts disputed status was properly noted, as required by law under 15 U.S.C. 1681c ( f ).\n\nContextual factors, such as system errors or payment processing issues, were considered before reporting derogatory information.\n\nWithout addressing these factors, the Bank can not claim its reporting was complete or lawful.\n\n-- - 3. Inadequate Documentation and Validation While Goldman Sachs provided copies of the Apple Card Customer Agreement and account statements, this does not prove that the tradeline was reported accurately, lawfully, or fairly.\n\nUnder the FCRA, furnishers are required to do more than produce statements ; they must verify that the information provided to CRAs is correct, complete, and not misleading. The documentation offered does not satisfy that standard.\n\n-- - 4. Procedural Deficiencies and Notice Failures The Bank claims that reminders were successfully delivered to my email address. However : I never acknowledged receipt of these alleged notices.\n\nThe Bank has provided no proof of actual delivery or receipt, only assertions that emails were sent.\n\nUnder the Equal Credit Opportunity Act ( ECOA ) and FCRA, proper and documented notice is required when adverse reporting may occur.\n\nGoldman Sachs failure to substantiate delivery of such notices demonstrates a procedural deficiency in its handling of this account.\n\n-- - 5. Request for CFPB Review and Enforcement Given these unresolved issues, I respectfully request that the CFPB : Require Goldman Sachs to re-investigate this matter in compliance with 15 U.S.C. 1681s-2 ( b ).\n\nEnsure the Bank verifies that the reporting is fair, complete, and not misleading.\n\nConfirm whether my accounts disputed status is being properly reported to all CRAs, as required by law.\n\nUntil Goldman Sachs demonstrates compliance with the FCRAs investigatory and accuracy standards, I maintain that the information furnished remains in dispute.","date_sent_to_company":"2025-08-28T12:57:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60637","tags":null,"has_narrative":true,"complaint_id":"15591110","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-08-28T12:51:58.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["While the Bank asserts that no <em>error</em> occurred and has closed the matter, I respectfully disagree and request that the CFPB continue its review based on the following points : -- - 1. Failure to Conduct a <em>Reasonable</em> <em>Investigation</em> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a <em>reasonable</em> <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an <em>error</em> on your report"]},"sort":[12.296266,"15591110"]},{"_index":"complaint-public-v1","_id":"12503144","_score":12.24913,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint regarding an incorrect late payment being reported on my Capital One account for XX/XX/XXXX. I have maintained a flawless payment history since opening this account in XX/XX/XXXX, and this alleged late payment is entirely inaccurate. \n\nI contacted Capital One directly, and they confirmed that they received my payment on time. Despite this, XXXX is falsely reporting it as late, which is a clear and unjustified error. This misinformation is severely damaging my credit standing and impacting my financial opportunities. \n\nUnder the Fair Credit Reporting Act ( FCRA ), XXXX is legally required to conduct a reasonable reinvestigation when a dispute is filed. However, they have failed to properly verify this information, allowing a clear inaccuracy to persist on my report. Their negligence in handling this matter is unacceptable. \n\nI am demanding immediate corrective action to remove this inaccurate late payment from my credit report. I request that the CFPB investigate this matter and hold XXXX accountable for failing to uphold their legal obligations under the FCRA. This error is causing me undue harm, and I expect it to be resolved without further delay.","date_sent_to_company":"2025-03-17T00:12:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"110XX","tags":null,"has_narrative":true,"complaint_id":"12503144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-03-17T00:10:32.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request that the CFPB <em>investigate</em> this matter and hold XXXX accountable for failing to uphold their legal obligations under the FCRA. This <em>error</em> is causing me undue harm, and I expect it to be resolved <em>without</em> further delay."]},"sort":[12.24913,"12503144"]},{"_index":"complaint-public-v1","_id":"13227016","_score":12.242201,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information on my credit report ( Report Number : XXXX in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i, and to demand immediate correction. My dispute mirrors systemic issues outlined in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX ( filed in 2023 ), where the CFPB alleged Equifax failed to properly investigate consumer disputes, used flawed automated systems, and retained demonstrably inaccurate information. Inaccurate Items Under Dispute : Account Name/Creditor : XXXX XXXX XXXX Account Number : XXXX Error : Incorrect account never late Account Name/Creditor : XXXX XXXX XXXX Account Number : XXXX Error : balance/payment history/status/ownership Legal Basis for Dispute : As highlighted in the CFPBs lawsuit, XXXX  failure to conduct reasonable investigations and reliance on automated systems to dismiss disputes without proper review violates the FCRA. Despite my prior disputes dated [ Insert dates of prior disputes ], Equifax has failed to correct these errors, which directly harms my creditworthiness and violates my rights under federal law. Immediately remove all inaccuracies listed above and provide me with an updated credit report. Disclose the method of investigation used to verify the disputed items, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Confirm in writing that the errors have been resolved and will not reappear on my report.","date_sent_to_company":"2025-04-28T16:48:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30319","tags":null,"has_narrative":true,"complaint_id":"13227016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-28T16:31:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Inaccurate Items Under Dispute : Account Name/Creditor : XXXX XXXX XXXX Account Number : XXXX <em>Error</em> : Incorrect account never late Account Name/Creditor : XXXX XXXX XXXX Account Number : XXXX <em>Error</em> : balance/payment history/status/ownership Legal Basis for Dispute : As highlighted in the CFPBs lawsuit, XXXX  failure to conduct <em>reasonable</em> <em>investigations</em> and reliance on automated systems to dismiss disputes <em>without</em> proper review violates the FCRA."]},"sort":[12.242201,"13227016"]},{"_index":"complaint-public-v1","_id":"18422128","_score":12.205034,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"CFPB Complaint Narrative XXXX  ( PayPal XXXX XXXX ) Company : XXXX ( a PayPal, XXXX service ) Issue : Dispute handling, denial of escalation rights, failure to investigate, Regulation XXXX violations Product : Digital wallet / XXXX payments Consumer Location : United States XXXX XXXX XXXX violated my rights under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX by refusing to allow me to escalate timely disputes to formal claims, denying me the opportunity to submit supporting documentation, and then denying every dispute without conducting a reasonable investigationdespite the fact that identical transactions were previously resolved in my favor by PayPal, XXXX parent company. \n\nDetailed Explanation I initiated disputes with XXXX  regarding unauthorized and/or improper digital transactions. On day XXXX of the dispute period, I contacted XXXX customer support specifically to escalate my disputes to formal claims, which I was entitled to do within the required timeframe under Regulation XXXX. \n\nXXXX  representatives refused to allow escalation, falsely stating that escalation was unavailable, and blocked me from submitting any supporting documentation or evidence. As a result, XXXX denied every dispute without reviewing evidence or allowing me to be heard. \n\nThis conduct is particularly concerning because PayPal previously approved an identical dispute in my favor involving the same type of transactions, same factual circumstances, and same merchants/apps. XXXX  nevertheless denied all subsequent identical disputes without explanation or reconciliation, demonstrating inconsistent adjudication and arbitrary decision-making. \n\nXXXX Violations XXXX actions appear to violate the following : XXXX CFR XXXX ( b ) & ( c ) Failure to properly investigate an alleged error after receiving timely notice. \nXXXX CFR XXXX ( d ) Failure to conduct a reasonable investigation and provide a valid explanation for denial. \nXXXX ( XXXX XXXX. XXXX ) Denial of consumer rights to error resolution. \nUnfair, Deceptive, or Abusive Acts or Practices ( XXXX ) Misrepresenting dispute escalation rights, blocking evidence submission, and issuing blanket denials. \n\nXXXX refusal to accept documentation and refusal to escalate the disputes effectively prejudged the outcome, rendering the investigation meaningless and non-compliant with federal law. \n\nHarm to Consumer Denial of statutory dispute and investigation rights Procedural obstruction and inconsistent treatment compared to PayPal Emotional and financial distress caused by arbitrary denials","date_sent_to_company":"2026-01-02T16:47:21.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"75070","tags":null,"has_narrative":true,"complaint_id":"18422128","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-01-02T16:35:44.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX Violations XXXX actions appear to violate the following : XXXX CFR XXXX ( b ) & ( c ) Failure to properly <em>investigate</em> an <em>alleged</em> <em>error</em> after receiving timely notice. \nXXXX CFR XXXX ( d ) Failure to conduct a <em>reasonable</em> <em>investigation</em> and provide a valid explanation for denial. \nXXXX ( XXXX XXXX. XXXX ) Denial of consumer rights to <em>error</em> resolution."]},"sort":[12.205034,"18422128"]},{"_index":"complaint-public-v1","_id":"22173554","_score":12.156684,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against National Recovery Agency regarding the reporting and collection of an alleged medical debt that appears inaccurate, incomplete, misleading, and insufficiently verified under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nNational Recovery Agency is furnishing a derogatory collection account on my consumer credit reports in the amount of {$1600.00} allegedly associated with XXXX XXXX XXXX XXXX. \n\nDespite the serious negative impact this account has on my credit profile, the furnisher has failed to provide competent documentary evidence establishing the validity, completeness, and accuracy of the alleged debt. \n\nThe reporting appears materially deficient because it lacks : Complete itemized medical billing records ; Dates of service; Insurance adjustment and payment history ; Explanation of Benefits ( EOB ) documentation ; Signed financial responsibility agreement; Proof establishing my legal liability for the balance ; Proof of assignment or legal authority to collect ; Documentation establishing the date of first delinquency ; Competent evidence demonstrating how the alleged balance of {$1600.00} was calculated. \n\nPursuant to 15 U.S.C. 1692g, a debt collector must provide proper validation of an alleged debt when disputed. National Recovery Agency has failed to provide sufficient verification establishing that this account is accurate, legally enforceable, and properly reportable. \n\nFurthermore, under 15 U.S.C. 1681e ( b ), furnishers and consumer reporting agencies are required to maintain reasonable procedures to assure the maximum possible accuracy of information furnished on consumer reports. \n\nFurnishing a derogatory medical collection account without competent supporting documentation raises substantial concerns regarding compliance with the FCRAs accuracy and investigation requirements. \n\nMedical collection accounts require heightened scrutiny because such accounts are frequently affected by : XXXX billing errors ; Coding discrepancies ; Duplicate billing ; Improper patient responsibility calculations ; Pending insurance adjustments ; Administrative processing errors. \n\nThe furnisher appears to be relying upon conclusory database reporting rather than competent documentary verification sufficient to satisfy the standards required under federal law. \n\nContinued reporting of unverifiable or misleading information after dispute may constitute negligent or willful noncompliance with the FCRA and unlawful collection activity under the FDCPA. \n\nI formally request that the CFPB require National Recovery Agency and all associated consumer reporting agencies to : Conduct a reasonable investigation into this account ; Produce complete documentary validation of the alleged debt ; Provide the full method of verification used; Produce itemized medical billing records and insurance adjustment history ; Produce proof of legal authority to collect ; Cease furnishing inaccurate, incomplete, or unverifiable information ; and Delete the account from all consumer reporting agencies if competent verification can not be produced. \n\nI also request preservation of all investigative records, account-level documentation, communications, furnishing records, audit trails, and verification procedures associated with this account. \n\nThis complaint concerns violations and potential violations of : 15 U.S.C. 1692g 15 U.S.C. 1692c 15 U.S.C. 1681e ( b ) Any other applicable provisions of the FDCPA and FCRA governing debt validation, reasonable investigation, and maximum possible accuracy. \n\nI request a formal written response together with all supporting documentation relied upon in furnishing and verifying this account.","date_sent_to_company":"2026-05-13T20:30:51.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"46234","tags":null,"has_narrative":true,"complaint_id":"22173554","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NRA Group, LLC","date_received":"2026-05-13T20:24:52.000Z","state":"IN","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["Furnishing a derogatory medical collection account <em>without</em> competent supporting documentation raises substantial concerns regarding compliance with the FCRAs accuracy and <em>investigation</em> requirements. \n\nMedical collection accounts require heightened scrutiny because such accounts are frequently affected by : XXXX billing <em>errors</em> ; Coding discrepancies ; Duplicate billing ; Improper patient responsibility calculations ; Pending insurance adjustments ; Administrative processing <em>errors</em>."]},"sort":[12.156684,"22173554"]},{"_index":"complaint-public-v1","_id":"18241462","_score":12.119215,"_source":{"product":"Student loan","complaint_what_happened":"I am filing this complaint regarding serious servicing errors by Nelnet in connection with my federal student loan account. \nNelnet reinstated a loan balance, resumed interest accrual, and furnished information to consumer reporting agencies without providing proof that I received the required written notice. In response to my dispute, Nelnet supplied only generic account summaries and transaction records, which do not resolve the errors or satisfy federal servicing obligations. \nNelnet has failed to conduct a reasonable investigation or provide required explanations for the following issues : Failure to provide proof of written notice prior to reinstating a balance, resuming interest accrual, or reporting to credit bureaus Failure to account for payments made to my original loan servicer prior to transfer, resulting in incomplete and inaccurate loan accounting Improper capitalization of interest during periods when my required payment under an income-driven repayment ( IDR ) plan was {$0.00} Improper capitalization of interest during CARES Act administrative forbearance, when interest and capitalization were prohibited Capitalization of interest without identifying any borrower-initiated or regulatory event authorizing capitalization Capitalization of amounts that had previously been refunded by a prior loan servicer, without statutory authority Failure to evaluate or document my eligibility for income-driven repayment ( IDR ) forgiveness, despite extended periods of qualifying repayment and administrative forbearance These servicing failures resulted in an inflated and inaccurate loan balance and inaccurate credit reporting. I submitted a formal Notice of Error identifying these violations and requesting correction. Nelnet has not cured the errors and has not provided the documentation required to justify its actions. \nNelnets response consisted of record production only and did not identify the alleged errors, explain how they were evaluated, or demonstrate compliance with federal servicing requirements. \nI am requesting CFPB assistance to ensure that Nelnet conducts a lawful investigation, reverses improper interest capitalization, provides a complete and accurate loan accounting ( including prior-servicer payments ), properly evaluates IDR forgiveness eligibility, and corrects or removes inaccurate credit reporting associated with this account.","date_sent_to_company":"2025-12-23T08:47:49.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"89502","tags":null,"has_narrative":true,"complaint_id":"18241462","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-12-23T08:14:24.000Z","state":"NV","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I submitted a formal Notice of <em>Error</em> identifying these violations and requesting correction. Nelnet has not cured the <em>errors</em> and has not provided the documentation required to justify its actions. \nNelnets response consisted of record production only and did not identify the <em>alleged</em> <em>errors</em>, explain how they were evaluated, or demonstrate compliance with federal servicing requirements."]},"sort":[12.119215,"18241462"]},{"_index":"complaint-public-v1","_id":"11855712","_score":12.032896,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint against Equifax regarding its failure to properly investigate disputes on my credit report, which appears to be part of the systemic issues that led to the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against this company. \n\n1. Failure to Conduct Proper Credit Report Investigations I submitted a dispute to Equifax on XX/XX/year> and the investigation was done on XX/XX/year> regarding removal of improper names on my report. On XX/XX/year>, XX/XX/year> & XX/XX/year> requested an proper investigation and within a few hours the reports were completed regarding [ specific error ( s ) on the credit report, e.g., incorrect accounts, fraudulent charges, outdated information, mixed credit files ]. Despite providing identity verification, Equifax failed to properly investigate my claim and instead issued a generic response without addressing the issue. \n\nThis aligns with the CFPBs lawsuit, which alleges that Equifax has been improperly handling credit disputes by failing to : Conduct thorough investigations as required under the Fair Credit Reporting Act ( FCRA ). \nProvide consumers with accurate and meaningful dispute resolution instead of dismissing claims without review. \nFix systemic errors in credit files that harm consumers ' financial standing. \n2. Violations of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681i, Equifax is legally required to conduct a reasonable investigation of any dispute submitted by a consumer. However, my experiencealong with the findings in the CFPBs lawsuitdemonstrates that Equifax has been neglecting this duty, causing financial harm by allowing inaccurate information to remain on my credit report. \n\nAs a direct result of Equifaxs failure to investigate my dispute : My credit score has been unfairly impacted. \nI have faced loss of financial opportunities, emotional distress, etc. ] due to Equifaxs negligence.","date_sent_to_company":"2025-01-30T17:13:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"16602","tags":null,"has_narrative":true,"complaint_id":"11855712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-30T16:56:38.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This aligns with the CFPBs lawsuit, which <em>alleges</em> that Equifax has been improperly handling credit disputes by failing to : Conduct thorough <em>investigations</em> as required under the Fair Credit Reporting Act ( FCRA ). \nProvide consumers with accurate and meaningful dispute resolution instead of dismissing claims <em>without</em> review. \nFix systemic <em>errors</em> in credit files that harm consumers ' financial standing. \n2."]},"sort":[12.032896,"11855712"]},{"_index":"complaint-public-v1","_id":"19788283","_score":12.010127,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint due to concerns that Wells Fargo did not conduct a reasonable investigation as required under Regulation E ( 12 CFR 1005.11 ) in multiple disputed transactions. \n\nI timely reported the disputed transactions. However, the investigations were closed with a generic statement that my card and PIN were validated, without providing supporting documentation or technical evidence demonstrating how that determination was made. \n\nThis complaint is not simply about fraud ; it concerns whether Wells Fargo complied with its federal obligation to perform a reasonable, good-faith investigation. \n\nSpecifically : XXXX. XXXX XXXX XXXX ( {$480.00}, XX/XX/year> ) I did not purchase or travel on this flight. \n\nAirline transactions generate passenger name records ( PNR ), booking confirmations, email confirmations, and identity information tied to the ticket. Wells Fargo denied the claim but did not provide : Passenger name associated with the ticket Booking confirmation or PNR Method of authentication used to authorize the transaction IP address or digital authentication logs Evidence of XXXX Secure or equivalent authorization If the transaction was properly investigated, this documentation should exist. \n\n\n\nXXXX International Transactions ( XXXX XXXX and XXXX XXXX Transactions such as : {$280.00} XXXX ( XXXX XXXX XXXX XXXX ( XXXX XXXX These are international, higher-risk transactions that should trigger enhanced fraud review protocols. \n\nWells Fargo denied the disputes but did not provide : IP address data Device authentication information Digital authorization method Evidence of customer authentication Risk review documentation A reasonable investigation requires more than stating PIN validated without documentary support. \n\n\n\n3. Alleged PIN Validation Wells Fargo stated that my card and PIN were validated for certain disputed transactions. \n\nI formally request : Terminal ID Exact transaction timestamp Location verification data Method of PIN verification Authorization logs Without providing this information, the conclusion appears unsupported. \n\n\n\nXXXX. Duplicate Transactions Several transactions reflect duplicate charges of identical amounts, same merchant, and same date. \n\nI request a documented explanation of the processing method that resulted in duplicate entries and confirmation of whether this was a system error, merchant resubmission, or authorization anomaly. \n\n\n\nConclusion My concern is that Wells Fargo did not provide sufficient documentation demonstrating a reasonable investigation as required under federal law. \n\nI respectfully request : 1.\n\nDocumentation supporting the authentication of the disputed transactions.\n\n2. Detailed explanation of investigative procedures performed.\n\n3. Clarification of how the determination was made.\n\n4. Review by a higher-level fraud or compliance unit. \n\nThis complaint is based on compliance concerns under Regulation XXXX, not solely disagreement with the outcome. \n\n\n\nEnd of complaint.","date_sent_to_company":"2026-02-25T21:27:01.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"98056","tags":null,"has_narrative":true,"complaint_id":"19788283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-02-25T21:18:42.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Wells Fargo denied the disputes but did not provide : IP address data Device authentication information Digital authorization method Evidence of customer authentication Risk review documentation A <em>reasonable</em> <em>investigation</em> requires more than stating PIN validated <em>without</em> documentary support. \n\n\n\n3. <em>Alleged</em> PIN Validation Wells Fargo stated that my card and PIN were validated for certain disputed transactions."]},"sort":[12.010127,"19788283"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1659,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1659}]}},"product":{"doc_count":1659,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1127,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1108},{"key":"Other personal consumer report","doc_count":19}]}},{"key":"Debt 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