{"took":628,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":838,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21182840","_score":17.335196,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint against Cash App regarding an unresolved transaction dispute. On or around XX/XX/year>, I sent a payment of {$100.00} through Cash App. After the transaction, an issue occurred, and I did not receive the expected outcome for this payment. \nI reported the issue to Cash App and have now submitted multiple disputes ( at least four times ). Each time, my case has been closed with the same automated response stating that a response was provided or that they had not heard from me, which is not accurate. \nI have consistently followed up and responded, but Cash App has failed to properly investigate or resolve my issue. I have not received my money back, and no clear explanation has been provided regarding their decision. \nI requested information about the status of my dispute, details of any investigation conducted, and the reason for repeatedly closing my case, but Cash App did not provide any meaningful response. \nThis situation has caused unnecessary stress and financial loss. I am requesting a full investigation into this matter and the return of my funds. I am also requesting that Cash App be held accountable for repeatedly closing my case without resolution.","date_sent_to_company":"2026-04-13T11:47:15.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"21182840","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-04-13T11:32:24.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I reported the issue to Cash App and <em>have</em> now submitted multiple disputes ( at least four times ). Each time, my case has been closed with the same <em>automated</em> <em>response</em> stating that a <em>response</em> was provided or that they had not heard from me, which is not accurate. \nI <em>have</em> consistently followed up and responded, but Cash App has failed to properly <em>investigate</em> or resolve my issue. I <em>have</em> not received my money back, and no clear explanation has been provided regarding their decision."]},"sort":[17.335196,"21182840"]},{"_index":"complaint-public-v1","_id":"20817903","_score":16.504026,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint against Cash App ( Block , Inc. ) regarding their failure to properly investigate and respond to a scam involving unauthorized financial loss through their platform. Between XX/XX/year>, I transferred funds from my bank account to Cash App, which were then used to purchase Bitcoin and sent to a fraudulent third-party investment platform introduced through XXXX. This was part of a scam. I was advised I was being assisted in learning how to trade bitcoin/ cryptocurrency. After realizing I was being defrauded, I immediately contacted Cash App support. However, instead of conducting a meaningful investigation, I have repeatedly received automated or bot responses stating that my case is closed due to lack of response or that the transactions are irreversible. This is inaccurate and unacceptable for the following reasons : - I did respond and attempted to follow up, but my case was closed anyway.- Cash App has not provided any real investigation details, documentation, or evidence of review.- The responses appear automated and dismissive, not compliant with fair consumer complaint handling standards.- As a financial services provider handling cryptocurrency transactions, Cash App has a responsibility to properly review fraud claims, especially those involving scams. I am requesting1. A full and documented investigation into my case 2. A detailed explanation of how my claim was reviewed 3. Any available recovery options or escalation procedures 4. A review of Cash Apps practice of automatically closing fraud complaints without proper handling this situation has caused significant financial and XXXX XXXX, and I am seeking a fair and legitimate resolution. They should have additional checks in place to make sure the site we are submitting to is legit since its hard to tell now adays with all the AI. \n\nI tried to connect a few times with Cash App and they keep sending out automated responses. \n\nAny assistance you can provide will be greatly appreciated. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-03-31T19:08:00.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"89011","tags":"Servicemember","has_narrative":true,"complaint_id":"20817903","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-03-31T18:45:08.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["However, instead of conducting a meaningful <em>investigation</em>, I <em>have</em> <em>repeatedly</em> received <em>automated</em> or bot <em>responses</em> stating that my case is closed due to lack of <em>response</em> or that the transactions are irreversible."]},"sort":[16.504026,"20817903"]},{"_index":"complaint-public-v1","_id":"21147141","_score":16.374664,"_source":{"product":"Checking or savings account","complaint_what_happened":"PayPal repeatedly rejects linking my XXXX XXXX account despite the bank confirming the account is active and allowed to link with thirdparty services. I have bank confirmation emails attached. \nPayPal agents have refused to escalate to Security/Linking investigations or provide internal error/hold codes, upstream bank response codes, or a case/ticket ID. \nThis prevents me from using my PayPal account for normal transactions. \n\nTheyve blocked human escalation in the app PayPals automated assistant will not connect me to a human or accept a secure message ; it returns Were currently experiencing an issue transferring you to a customer support agent. My XXXX XXXX account is being rejected when I try to link it despite XXXX XXXX confirming the account is active and able to link. I have XXXX XXXX confirmation emails and screenshots showing the PayPal assistant repeatedly failing to transfer me to support","date_sent_to_company":"2026-04-10T22:28:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"235XX","tags":null,"has_narrative":true,"complaint_id":"21147141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-10T22:05:18.000Z","state":"VA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["PayPal <em>repeatedly</em> rejects linking my XXXX XXXX account despite the bank confirming the account is active and allowed to link with thirdparty services. I <em>have</em> bank confirmation emails attached. \nPayPal agents <em>have</em> refused to escalate to Security/Linking <em>investigations</em> or provide internal error/hold codes, upstream bank <em>response</em> codes, or a case/ticket ID. \nThis prevents me from using my PayPal account for normal transactions."]},"sort":[16.374664,"21147141"]},{"_index":"complaint-public-v1","_id":"13820874","_score":16.004349,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against Experian Information Solutions XXXX Inc., for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) particularly as it relates to their unlawful reinvestigation practices, known as sham investigations, and failure to correct or remove multiple inaccurate and unverifiable items on my credit report. \nI have repeatedly disputed specific accounts and personal information that are inaccurate, incomplete, and not verifiable. Despite multiple formal disputes submitted with documentation, Experian has continued to parrot the same response : that the items have been verified as accurate. Given the extremely short resolution times ( some within 2448 hours ) and the lack of meaningful documentation provided, I believe Experian is engaging in automated, non-substantive responses using e-OSCAR, and not complying with its obligations under 15 U.S.C. 1681i ( a ).","date_sent_to_company":"2025-06-01T03:47:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48127","tags":null,"has_narrative":true,"complaint_id":"13820874","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-01T03:43:30.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Despite multiple formal disputes submitted with documentation, Experian has continued to parrot the same <em>response</em> : that the items <em>have</em> been verified as accurate. Given the extremely short resolution times ( some within 2448 hours ) and the lack of meaningful documentation provided, I believe Experian is engaging in <em>automated</em>, non-substantive <em>responses</em> using e-OSCAR, and not complying with its obligations under 15 U.S.C. 1681i ( a )."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[16.004349,"13820874"]},{"_index":"complaint-public-v1","_id":"18159814","_score":15.907384,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX I reach out to original owner of debt, XXXX XXXX trying to seek verification and resolve account debt. After looking into the matter, they confirmed that the debt was now under True Accord and provided me an email to contact them, as well as my ID account number XX/XX/XXXX I emailed True Accord with my ID account number asking for information about the debt XX/XX/XXXX I receive response from XXXX XXXX that they received notice of my dispute and have paused collection activity until I was provided documentation of debt. I was told if I provided consent to receive documentation via email that this could get the documentation to me as fast as possible. \n\nXX/XX/XXXX XXXX consent to receive verification via email XX/XX/XXXX I reach out asking why this debt is still on my credit report when I have asked to resolve it XX/XX/XXXX I receive the same response from XXXX XXXX on XX/XX/XXXX that they received notice of my dispute and have paused collection activity until I was provided documentation of debt XX/XX/XXXX I reach out again frustrated inquiring why this is still on my credit report and is negatively impacting my score when I have repeatedly reached out XX/XX/XXXX I receive same automated response, this time from XXXX about receiving notice of my dispute XX/XX/XXXX I request via email for this to be escalated to a supervisor and attach screenshot of identical automated response from XX/XX/XXXX. I ask : Where is the investigation results from XXXX of XXXX when you started the investigation? Why was this added back onto my credit report causing further damage? \n\nXX/XX/XXXX I receive same automated response again from XXXX XXXX XX/XX/XXXX I ask if this is a joke and attach the same screenshot of the automated response. I ask my question again : What were the results of this investigation from XX/XX/XXXX for you to put this debt collection back on my credit as delinquent? \n\nXX/XX/XXXX XXXX emails me and says due to the nature of my request, they want to speak to me on the phone and provide me with a phone number XX/XX/XXXX I refuse to call and say I want everything in writing and that I had previously given my consent to receive results of investigation via email on XX/XX/XXXX. Again, I said to answer my question via email : What were the results of this investigation from XX/XX/XXXX for you to put this debt collection back on my credit as delinquent? \n\nThis has harmed me, my credit score, and taken hours of my life. I want this debt removed. They are using chat bots to respond to these emails which CLEARLY is not working for them. Trying to get me to discuss this matter on the phone to not have records is extremely manipulative","date_sent_to_company":"2025-12-19T00:18:22.000Z","issue":"Written notification about debt","sub_product":"Payday loan debt","zip_code":"94530","tags":null,"has_narrative":true,"complaint_id":"18159814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TrueAccord Corp.","date_received":"2025-12-18T23:59:33.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I ask : Where is the <em>investigation</em> results from XXXX of XXXX when you started the <em>investigation</em>? Why was this added back onto my credit report causing further damage? \n\nXX/XX/XXXX I receive same <em>automated</em> <em>response</em> again from XXXX XXXX XX/XX/XXXX I ask if this is a joke and attach the same screenshot of the <em>automated</em> <em>response</em>. I ask my question again : What were the results of this <em>investigation</em> from XX/XX/XXXX for you to put this debt collection back on my credit as delinquent?"]},"sort":[15.907384,"18159814"]},{"_index":"complaint-public-v1","_id":"17886281","_score":15.902327,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian has repeatedly violated FCRA 1681i by marking multiple disputed accounts as verified without providing ANY documentation or explanation of how the verification was conducted. I have attached PDF evidence showing Experian repeatedly updating items with the same automated language ( verified/updated ) and providing no supporting records from the data furnishers.\n\nThis pattern demonstrates : Failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 1 ) ( A ) Failure to provide the method of verification FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Improper reliance on automated e-OSCAR responses XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 1997 ) requires Experian to do MORE than passively accept a furnishers electronic response. \n\nFailure to obtain and provide actual documentation No contracts, no payment histories, no signed agreements, no proof of delinquency, no charge-off records nothing. \n\nWhat would be a fair resolution? \n\n1. Require Experian to conduct a TRUE reinvestigation and provide : Copies of all documents it used Contracts Payment records Account notes Charge-off documentation Actual proof from each furnisher 2. If the furnisher can not or will not provide documentation, require Experian to DELETE the accounts, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accounts ) XXXX  XXXX ( both accounts ) XXXX XXXX XXXX XXXX both accounts ) XXXX XXXX  XXXX ( both accounts ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FHA mortgage lates ) XXXX  ( verified removed by other bureau ) 3. Require Experian to stop using automated e-OSCAR templates as verification, which violates the FCRA standard of reasonableness.\n\n4. Require Experian to documentNOT summarizeits investigation.\n\nIf Experian can not provide documentary evidence, deletion is required under FCRA 1681i.","date_sent_to_company":"2025-12-09T17:35:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"22191","tags":null,"has_narrative":true,"complaint_id":"17886281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-09T17:22:16.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Experian has <em>repeatedly</em> violated FCRA 1681i by marking multiple disputed accounts as verified without providing ANY documentation or explanation of how the verification was conducted. I <em>have</em> attached PDF evidence showing Experian <em>repeatedly</em> updating items with the same <em>automated</em> language ( verified/updated ) and providing no supporting records from the data furnishers."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[15.902327,"17886281"]},{"_index":"complaint-public-v1","_id":"11691549","_score":15.850022,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by transunion. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. \n\nI have identified inconsistencies in this account information across the reports from the three major credit bureaus, These discrepancies suggest that the information reported is inaccurate and does not meet the FCRAs accuracy standards, warranting immediate corrective action. \n\nLegal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score. \n2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the XXXX major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information bytransunion, which further underscores the lack of accuracy and FCRA compliance. \n\nReferences to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. \nXXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. \nXXXX v. XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case emphasizes the responsibility of XXXX XXXX and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA. \nThese cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.","date_sent_to_company":"2025-01-22T23:17:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90301","tags":null,"has_narrative":true,"complaint_id":"11691549","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-22T23:17:05.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This account has been <em>repeatedly</em> disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for <em>investigation</em> and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on <em>automated</em> and inconsistent <em>responses</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.850022,"11691549"]},{"_index":"complaint-public-v1","_id":"11691100","_score":15.850022,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by EXPERIAN. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses.\n\nI have identified inconsistencies in this account information across the reports from the three major credit bureaus. These discrepancies suggest that the information reported is inaccurate and does not meet the FCRAs accuracy standards, warranting immediate corrective action.\n\nLegal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score.\n\n2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by EXPERIAN, which further underscores the lack of accuracy and FCRA compliance.\n\nReferences to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA.\n\nThese cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.","date_sent_to_company":"2025-01-22T23:31:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90301","tags":null,"has_narrative":true,"complaint_id":"11691100","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-22T23:26:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This account has been <em>repeatedly</em> disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for <em>investigation</em> and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on <em>automated</em> and inconsistent <em>responses</em>.\n\nI <em>have</em> identified inconsistencies in this account information across the reports from the three major credit bureaus."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.850022,"11691100"]},{"_index":"complaint-public-v1","_id":"11691493","_score":15.820717,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by EQUIFAX. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. \nI have identified inconsistencies in this account information across the reports from the three major credit bureaus. These discrepancies suggest that the information reported is inaccurate and does not meet the FCRAs accuracy standards, warranting immediate corrective action. \n\nLegal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score. \n2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by EQUIFAX, which further underscores the lack of accuracy and FCRA compliance. \n\nReferences to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. \nXXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA. \nThese cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.","date_sent_to_company":"2025-01-22T23:36:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90301","tags":null,"has_narrative":true,"complaint_id":"11691493","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-22T23:32:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This account has been <em>repeatedly</em> disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for <em>investigation</em> and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on <em>automated</em> and inconsistent <em>responses</em>. \nI <em>have</em> identified inconsistencies in this account information across the reports from the three major credit bureaus."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.820717,"11691493"]},{"_index":"complaint-public-v1","_id":"16920665","_score":15.696295,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by Equifax Information Services LLC. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. \nDetails of the Account in Dispute Account Number : XXXX, XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX  Legal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score.\n\n2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by Equifax Information Services LLC which further underscores the lack of accuracy and FCRA compliance. \n\nReferences to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. \nXXXX v. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. \nXXXX v. XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA.\n\nThese cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.","date_sent_to_company":"2025-10-30T18:28:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"16920665","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-30T18:22:27.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This account has been <em>repeatedly</em> disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for <em>investigation</em> and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on <em>automated</em> and inconsistent <em>responses</em>."]},"sort":[15.696295,"16920665"]},{"_index":"complaint-public-v1","_id":"16920312","_score":15.681915,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by Equifax Information Services LLC. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. \nDetails of the Account in Dispute Account Number : XXXX, XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX  Legal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score.\n\n2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by Equifax Information Services LLC which further underscores the lack of accuracy and FCRA compliance. \n\nReferences to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. \nXXXX v. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. \nXXXX v. XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA.\n\nThese cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.","date_sent_to_company":"2025-10-30T18:28:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"16920312","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-30T18:28:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This account has been <em>repeatedly</em> disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for <em>investigation</em> and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on <em>automated</em> and inconsistent <em>responses</em>."]},"sort":[15.681915,"16920312"]},{"_index":"complaint-public-v1","_id":"16920313","_score":15.666997,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by Equifax Information Services LLC. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. \nDetails of the Account in Dispute Account Number : XXXX, XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX  Legal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score.\n\n2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by Equifax Information Services LLC which further underscores the lack of accuracy and FCRA compliance. \n\nReferences to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. \nXXXX v. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. \nXXXX v. XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA.\n\nThese cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.","date_sent_to_company":"2025-10-30T18:28:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"16920313","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-30T18:28:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This account has been <em>repeatedly</em> disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for <em>investigation</em> and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on <em>automated</em> and inconsistent <em>responses</em>."]},"sort":[15.666997,"16920313"]},{"_index":"complaint-public-v1","_id":"4022854","_score":15.658944,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The reason for this complaint, is because Equifax has repeatedly failed to address my concern and are acting in negligence. An account reporting on my Equifax credit file by the name of XXXX XXXX XXXX has been disputed numerous times for lack of validation. I have asked Equifax to conduct a reasonable investigation to which I receive automated responses stating that the account has been verified. See attached Confirmation # XXXX I have reached out to XXXX  XXXX XXXX to resolve this dispute to no avail. My last attempt was dated on XXXX XXXX where I made a request to XXXX XXXX XXXX to validate the debt. I never got a response. \nLetter sent on XX/XX/XXXX to Equifax to investigate the fraudulent account XXXX sent on XX/XX/XXXX to Equifax to re-investigate the fraudulent account Letter sent on XX/XX/XXXX to Equifax to request how the account was verified. \nLetter sent on XX/XX/XXXX to XXXX XXXX XXXX to validate the debt. Never got a response. \n\nI have done my due diligence to reach out to the creditor and Equifax, but I have yet to see any form of validation for this debt/account. If this complaint does not resolve my request, I will move forward and file a claim in the XXXX District Court of New York.","date_sent_to_company":"2020-12-20T22:30:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11370","tags":null,"has_narrative":true,"complaint_id":"4022854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-12-20T21:36:11.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The reason for this complaint, is because Equifax has <em>repeatedly</em> failed to address my concern and are acting in negligence. An account reporting on my Equifax credit file by the name of XXXX XXXX XXXX has been disputed numerous times for lack of validation. I <em>have</em> asked Equifax to conduct a reasonable <em>investigation</em> to which I receive <em>automated</em> <em>responses</em> stating that the account has been verified."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.658944,"4022854"]},{"_index":"complaint-public-v1","_id":"3131085","_score":15.425893,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have sent numerous ( 11 ) certified and Notarized letters to Equifax to correct errors found on my credit report but to no avail, the reply Ive gotten back is \" The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity ''. I have repeatedly requested the names, addresses and telephone numbers of individuals Equifax contacted during their investigation repeatedly advising any automated response or XXXX verification is unacceptable and again still no avail. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Repeatedly, I have asked Equifax with written notices requesting a correction on my report. Repeatedly, reporting incorrect information Equifax refuses to correct. I have sent copies of my identification to include Drivers License and SSNcard repeatedly. Again, failure to correct. After several ( 11 ) unsuccessful letters, I have experienced tremendous stress and anxiety as a result of multiple attempts to correct Equifaxs false reporting and failure to correct such errors which my identification has repeatedly been provided and the letters sent were Notarized. The entire experience and repeated attempts for correction have imposed upon my significant distrust, frustration, and distress, and has rendered me hopeless as to my ability to regain my good name and the credit rating that I deserve and has worked hard to earn. My requesting that Equifax delete specific items in my credit file that is blatantly inaccurate, by failing to conduct a reasonable investigation into my disputes in this regard, Equifax willfully and/or negligently violated the Fair Credit Reporting Act 611 ( a ) 15 U.S.C. 1681i ( a ) ( 1 ) with respect to each dispute lodge","date_sent_to_company":"2019-01-23T08:24:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30044","tags":null,"has_narrative":true,"complaint_id":"3131085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-01-23T03:15:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>repeatedly</em> requested the names, addresses and telephone numbers of individuals Equifax contacted during their <em>investigation</em> <em>repeatedly</em> advising any <em>automated</em> <em>response</em> or XXXX verification is unacceptable and again still no avail. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed items must be reinvestigated or deleted from my credit record within 30 days."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.425893,"3131085"]},{"_index":"complaint-public-v1","_id":"13776568","_score":15.414577,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Experian for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) during both the initial investigation and re-investigation of disputed accounts appearing on my credit report. \nDespite submitting valid disputes, Experian repeatedly verified inaccurate and misleading information without conducting a reasonable investigation or correcting the errors. I identified inaccurate or unverifiable information on my credit file with Experian. I have submitted multiple disputes through Experians online portal. Experian responded stating that the information was \" verified, '' without showing evidence of a reasonable investigation or contacting me for further details. I submitted multiple second disputes ( re-investigation ) and again received an automated response with no meaningful correction or explanation as to how the account was verified. Experian has failed to provide the method of verification or proof that a full and proper investigation was conducted, as required by 15 U.S. Code 1681i. These reporting errors have negatively impacted my creditworthiness and caused me harm.","date_sent_to_company":"2025-05-30T02:57:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38501","tags":null,"has_narrative":true,"complaint_id":"13776568","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-30T02:34:37.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> submitted multiple disputes through Experians online portal. Experian responded stating that the information was \" verified, '' without showing evidence of a reasonable <em>investigation</em> or contacting me for further details. I submitted multiple second disputes ( re-<em>investigation</em> ) and again received an <em>automated</em> <em>response</em> with no meaningful correction or explanation as to how the account was verified."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[15.414577,"13776568"]},{"_index":"complaint-public-v1","_id":"11608838","_score":15.301613,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Transunion regarding their failure to conduct a full investigation into a fraudulent account listed on my credit report. The account in question is a XXXX XXXX XXXX, Account XXXX ( # XXXX ), which I have repeatedly disputed as fraudulent. Despite sending several letters to Transunion, providing evidence that I have no connection to this account, and requesting a thorough investigation, Transunion has only responded with automated letters stating that the account was verified. At no point have they provided any meaningful details or evidence of an actual investigation into my dispute. I suspect this fraudulent account is a result of my information being exposed during the XXXX data breach, in which I was a victim. Transunion failure to take my concerns seriously and to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) is unacceptable and has caused me significant distress. I request your assistance in ensuring that Transunion conducts a proper investigation and removes this fraudulent account from my credit report promptly. Thank you for your attention to this matter. I look forward to your response.","date_sent_to_company":"2025-01-21T04:45:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"189XX","tags":null,"has_narrative":true,"complaint_id":"11608838","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-21T04:40:41.000Z","state":"PA","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":["I am filing a complaint against Transunion regarding their failure to conduct a full <em>investigation</em> into a fraudulent account listed on my credit report. The account in question is a XXXX XXXX XXXX, Account XXXX ( # XXXX ), which I <em>have</em> <em>repeatedly</em> disputed as fraudulent."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.301613,"11608838"]},{"_index":"complaint-public-v1","_id":"11550543","_score":15.273047,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by Experian. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. \nInconsistency Reporting : I have identified inconsistencies in the information for this account across all three major credit bureau reports. The discrepancies suggest that the reported information is inaccurate and does not meet the FCRA 's accuracy standards, warranting immediate corrective action. \nLegal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score. \nXXXX. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by Experian, which further underscores the lack of accuracy and FCRA compliance. \n\nReferences to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. \nXXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA. \nThese cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.","date_sent_to_company":"2025-01-15T19:41:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11420","tags":null,"has_narrative":true,"complaint_id":"11550543","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-15T19:32:02.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This account has been <em>repeatedly</em> disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for <em>investigation</em> and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on <em>automated</em> and inconsistent <em>responses</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.273047,"11550543"]},{"_index":"complaint-public-v1","_id":"11694152","_score":15.270083,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by transunion. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. \n\nI have identified inconsistencies in this account information across the reports from the three major credit bureaus, These discrepancies suggest that the information reported is inaccurate and does not meet the FCRAs accuracy standards, warranting immediate corrective action. \n\nLegal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score. \n2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information bytransunion, which further underscores the lack of accuracy and FCRA compliance. \n\nReferences to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : Cushman v. Trans Union Corp., 115 F.3d 220 ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. \nXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. \nXXXX v. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA. \nThese cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.","date_sent_to_company":"2025-01-22T23:16:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90301","tags":null,"has_narrative":true,"complaint_id":"11694152","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-22T23:11:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This account has been <em>repeatedly</em> disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for <em>investigation</em> and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on <em>automated</em> and inconsistent <em>responses</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.270083,"11694152"]},{"_index":"complaint-public-v1","_id":"11466619","_score":15.269535,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax regarding their failure to conduct a full investigation into a fraudulent account listed on my credit report. The account in question is a XXXX XXXX XXXX, Account XXXX ( # XXXX ), which I have repeatedly disputed as fraudulent. \nDespite sending several letters to Equifax, providing evidence that I have no connection to this account, and requesting a thorough investigation, Equifax has only responded with automated letters stating that the account was verified. At no point have they provided any meaningful details or evidence of an actual investigation into my dispute. \nI suspect this fraudulent account is a result of my information being exposed during the Equifax data breach, in which I was a victim. Equifaxs failure to take my concerns seriously and to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) is unacceptable and has caused me significant distress. \nI request your assistance in ensuring that Equifax conducts a proper investigation and removes this fraudulent account from my credit report promptly. \nThank you for your attention to this matter. I look forward to your response.","date_sent_to_company":"2025-01-10T19:58:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"189XX","tags":null,"has_narrative":true,"complaint_id":"11466619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-10T19:51:31.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against Equifax regarding their failure to conduct a full <em>investigation</em> into a fraudulent account listed on my credit report. The account in question is a XXXX XXXX XXXX, Account XXXX ( # XXXX ), which I <em>have</em> <em>repeatedly</em> disputed as fraudulent."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.269535,"11466619"]},{"_index":"complaint-public-v1","_id":"16922339","_score":15.121056,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by Experian Information Solutions Inc . This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. \nDetails of the Account in Dispute Account Number : XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score.\n\n2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by Experian Information Solutions Inc which further underscores the lack of accuracy and FCRA compliance.\n\nReferences to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information.\n\nHenson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question.\n\nJohnson v. MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA.\n\nThese cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.","date_sent_to_company":"2025-10-30T18:12:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"16922339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-30T18:12:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This account has been <em>repeatedly</em> disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for <em>investigation</em> and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on <em>automated</em> and inconsistent <em>responses</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[15.121056,"16922339"]},{"_index":"complaint-public-v1","_id":"17187165","_score":15.117829,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by TransUnion Consumer Solutions. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. \n\nDetails of the Account in Dispute Account Number : XXXX XXXX XXXXXXXX Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXXXXXX Legal Basis and Violations of the FCRA 3. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score. \n4. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by TransUnion Consumer Solutions, which further underscores the lack of accuracy and FCRA compliance. \n\nReferences to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. \nXXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA. \nThese cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.","date_sent_to_company":"2025-11-12T20:39:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75287","tags":null,"has_narrative":true,"complaint_id":"17187165","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-12T20:31:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This account has been <em>repeatedly</em> disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for <em>investigation</em> and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on <em>automated</em> and inconsistent <em>responses</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[15.117829,"17187165"]},{"_index":"complaint-public-v1","_id":"17068845","_score":15.103719,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by Equifax Information Services LLC. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses.\n\nDetails of the Account in Dispute Account Number : XXXX  XXXX Creditor Name : # XXXX Account Number : XXXX  XXXX Creditor Name : # XXXX Legal Basis and Violations of the FCRA 5. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score.\n\n6. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by\nEquifax Information Services LLC, which further underscores the lack of accuracy and FCRA compliance.\n\nReferences to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information.\n\nHenson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question.\n\nJohnson v. MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA.\n\nThese cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.","date_sent_to_company":"2025-11-06T20:05:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"17068845","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-06T19:54:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This account has been <em>repeatedly</em> disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for <em>investigation</em> and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on <em>automated</em> and inconsistent <em>responses</em>."]},"sort":[15.103719,"17068845"]},{"_index":"complaint-public-v1","_id":"17068457","_score":15.103719,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by TransUnion Consumer Solutions. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. \n\nDetails of the Account in Dispute Account Number : XXXX  XXXX Creditor Name : # XXXX Account Number : XXXX  XXXX Creditor Name : # XXXX Legal Basis and Violations of the FCRA XXXX. Inaccuracy and XXXX of XXXX : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score. \nXXXX. XXXX XXXX Credit Bureaus : Upon reviewing my reports from the XXXX major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by TransUnion Consumer Solutions, which further underscores the lack of accuracy and FCRA compliance. \n\nReferences to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information.\n\nHenson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question.\n\nJohnson v. MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA. \nThese cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.","date_sent_to_company":"2025-11-06T19:54:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"17068457","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-06T19:54:28.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This account has been <em>repeatedly</em> disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for <em>investigation</em> and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on <em>automated</em> and inconsistent <em>responses</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[15.103719,"17068457"]},{"_index":"complaint-public-v1","_id":"17188803","_score":15.088942,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by Equifax Information Services LLC. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. \n\nDetails of the Account in Dispute Account Number : XXXXXXXX XXXX XXXXXXXX Creditor Name : # XXXX Account Number : XXXX Creditor Name : # XXXX Legal Basis and Violations of the FCRA 5. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like XXXX to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score. \n6. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by Equifax Information Services LLC, which further underscores the lack of accuracy and FCRA compliance. \n\nReferences to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA. \nThese cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.","date_sent_to_company":"2025-11-12T20:46:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75287","tags":null,"has_narrative":true,"complaint_id":"17188803","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-12T20:39:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This account has been <em>repeatedly</em> disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for <em>investigation</em> and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on <em>automated</em> and inconsistent <em>responses</em>."]},"sort":[15.088942,"17188803"]},{"_index":"complaint-public-v1","_id":"18703199","_score":15.080272,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I lost XXXX XXXX due to a sophisticated scam involving a fake token contract address on the XXXX XXXX. I immediately contacted Coinbase support for assistance. The core of my complaint is not just the initial loss, but Coinbase 's subsequent gross negligence, multi-year failure to investigate the correct transaction, and their misrepresentation to the CFPB in a previous complaint. \n\nHere is a timeline of events : Following the loss of XXXX XXXX, I opened a support case with Coinbase. Despite providing the correct transaction hash ID for the fraudulent transaction, Coinbase support repeatedly investigated a completely unrelated, successful transaction of a negligible amount ( XXXXXXXX XXXX ). They used this incorrect analysis to dismiss my case, claiming the funds were sent successfully. \n\nOver the following months and years, I contacted Coinbase support numerous times via email and support tickets. In every communication, I explicitly pointed out their error, providing the correct transaction hash and a clear explanation. I repeatedly asked them to look at the correct, fraudulent transaction involving the XXXX XXXX. Every single time, my requests were ignored or met with automated responses referencing the same, incorrect transaction. \n\nI filed a complaint with the CFPB ( XXXX XXXX XXXXXXXX ). In their response to the CFPB, Coinbase once again referenced the wrong transaction and stated that the issue had been explained and resolved. I immediately followed up with Coinbase to correct this egregious error, informing them that they had provided false information to a government agency by claiming resolution while having investigated the wrong issue entirely. Coinbase ignored my correction and took no action. \n\nThis was not an isolated incident. A full review of my support history, which has been provided, shows that on at least XXXX separate occasions over several years, Coinbase support made the exact same mistake of analyzing the wrong transaction, demonstrating a systemic failure in their support and investigation process. \n\nCoinbase failed in its basic duty to conduct a competent investigation. They repeatedly analyzed the wrong evidence despite being corrected multiple times. \nCoinbase knowingly or through gross negligence provided misleading information to the CFPB, claiming a resolution to my case based on a flawed and irrelevant investigation, and then failed to correct the record when notified of their error. \nTheir failure to properly investigate at the time prevented any possibility of recourse and has resulted in a significant, unresolved financial loss. \nEmotional Distress : The past several years of dealing with dismissive, incompetent, and circular responses from Coinbase has caused immense frustration and emotional distress.","date_sent_to_company":"2026-01-14T02:25:04.000Z","issue":"Money was not available when promised","sub_product":"Virtual currency","zip_code":"27511","tags":null,"has_narrative":true,"complaint_id":"18703199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2026-01-14T02:04:28.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>repeatedly</em> asked them to look at the correct, fraudulent transaction involving the XXXX XXXX. Every single time, my requests were ignored or met with <em>automated</em> <em>responses</em> referencing the same, incorrect transaction. \n\nI filed a complaint with the CFPB ( XXXX XXXX XXXXXXXX ). In their <em>response</em> to the CFPB, Coinbase once again referenced the wrong transaction and stated that the issue had been explained and resolved."]},"sort":[15.080272,"18703199"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":838,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":838}]}},"product":{"doc_count":838,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":648,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":645},{"key":"Other personal consumer report","doc_count":3}]}},{"key":"Debt collection","doc_count":56,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":37},{"key":"Credit card debt","doc_count":12},{"key":"Other 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