{"took":352,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":175,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21474057","_score":21.222313,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a formal complaint regarding fraudulent activity and unauthorized access to my Cash App account. \n\nMy account was compromised due to unauthorized access, and as a result, transactions occurred that I did not authorize. The account has since been closed, and I no longer have access to it. Despite reporting this issue, the company has failed to provide any meaningful resolution. \n\nCash App has stated that they conducted an investigation, however : * They have not identified the specific transactions or balance in question * They have not provided any documentation or findings * They have not explained the basis of their decision * They continue to avoid addressing the unauthorized nature of the activity Their responses have been vague, dismissive, and do not reflect a good-faith effort to investigate fraud on their platform. \n\nI am requesting : * A full and transparent investigation into the unauthorized activity * Documentation of all transactions and findings * Confirmation that my account is classified as compromised/fraudulent * Written confirmation that I am not liable for any unauthorized transactions or balances * Assurance that no negative reporting or collections activity will occur If this matter is not properly addressed, I will pursue further legal and regulatory action.","date_sent_to_company":"2026-04-22T07:07:44.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"484XX","tags":null,"has_narrative":true,"complaint_id":"21474057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-04-22T06:58:29.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Cash App has stated that they conducted an <em>investigation</em>, <em>however</em> : * They <em>have</em> not <em>identified</em> the <em>specific</em> <em>transactions</em> or <em>balance</em> in question * They <em>have</em> not provided any documentation or findings * They <em>have</em> not explained the basis of their decision * They continue to avoid addressing the unauthorized nature of the activity Their responses <em>have</em> been vague, dismissive, and do not reflect a good-faith effort to <em>investigate</em> fraud on their platform."],"issue":["Unauthorized <em>transactions</em> or other transaction problem"]},"sort":[21.222313,"21474057"]},{"_index":"complaint-public-v1","_id":"19699551","_score":20.65313,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against PNC Bank regarding repeated account restrictions and improper handling of a prior fraud designation. Previously, my account was flagged for fraud, but I was not provided clear documentation identifying the specific transaction ( XXXX ) at issue or a formal resolution notice. Despite this, my account continued to function. \n\nMy account is structured so that it should not allow negative balances ; however, it repeatedly went negative. When legitimate deposits were made, those funds were immediately applied toward the negative balance. I was then denied ATM access and locked out of online banking without prior notice or a current explanation. \n\nI have not been provided written documentation explaining why my account was allowed to go negative, why deposits were applied in this manner, or why access has now been restricted again. As a result, I have been left without access to my funds for basic living expenses. \n\nI am requesting a full written explanation of all fraud-related actions on my account, documentation identifying specific transactions involved, confirmation of whether any investigation is currently active, restoration of access to available funds, and correction of any improper balances or fees.","date_sent_to_company":"2026-02-23T10:15:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"491XX","tags":null,"has_narrative":true,"complaint_id":"19699551","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2026-02-23T10:06:13.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["I am requesting a full written explanation of all fraud-related actions on my account, documentation <em>identifying</em> <em>specific</em> <em>transactions</em> involved, confirmation of whether any <em>investigation</em> is currently active, restoration of access to available funds, and correction of any improper <em>balances</em> or fees."]},"sort":[20.65313,"19699551"]},{"_index":"complaint-public-v1","_id":"21611292","_score":15.929402,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding the closure of my Checking Account, Savings Account, and Investing Account, with Cash App, a service of Block , Inc., immediately following my attempts to dispute inaccurate and potentially fraudulent transactions. After identifying charges on my account that I did not authorize or that were materially incorrect, I exercised my rights as a consumer to dispute those transactions in good faith. Shortly thereafter, on XX/XX/year>, my account was abruptly closed.\n\nWhen attempting to log in, I am presented with a message stating that my account was closed due to suspected fraudulent or unauthorized activity allegedly in violation of the platforms Terms of Service. Additionally, I received an email indicating that, after review, my account would remain permanently deactivated due to unspecified violations. I formally appealed this decision, and on XX/XX/year>, I was notified that a review had been completed and that my account would continue to remain permanently closed. However, at no point has Cash App provided any specific details, evidence, or explanation identifying the activity in question.\n\nSince the account closure, I have made multiple attempts to obtain clarification through Cash App support channels. Each time, I am told that my case will be escalated, yet I never receive any follow-up communication, resolution, or substantive response. This pattern of non-response has effectively prevented me from understanding or contesting the basis for the account closure.\n\nPrior to the closure, I was actively using my account for legitimate purposes, including receiving direct deposits. I had also become eligible for and utilized the Cash App Borrow feature. I borrowed {$150.00}, which is a feature I had used responsibly in the past and repaid over time without issue. However, due to the sudden closure of my account, I have been unable to access the platform to repay the outstanding balance.\n\nDespite being locked out of my account, I have continued to receive emails indicating that interest and additional charges are being applied to the outstanding balance. As of now, the amount has increased to {$160.00}. This is particularly concerning, as I am being charged fees on a balance that I am actively prevented from repaying due to the account restriction imposed by Cash App.\n\nI find this action particularly concerning because it appears I am being penalized for exercising my lawful right to dispute unauthorized or inaccurate charges. Financial institutions are required to investigate disputes and provide transparency in their determinations. Instead, my account was terminated without due process, explanation, or an opportunity to respond to the allegations being made against me. Additionally, based on the circumstances and lack of transparency surrounding this decision, I have concerns that I may have been unfairly targeted or treated\ndifferently due to my XXXX orientation and/or political affiliation. While I have not been provided sufficient information to confirm the basis of the decision, the absence of any clear justification raises serious concerns about whether prohibited discriminatory factors may have played a role.\n\nThis lack of transparency, failure to provide requested information, continued assessment of fees while restricting account access, and potential retaliation for exercising consumer protection rights raises serious concerns regarding compliance with applicable financial regulations and consumer protection laws. I am requesting a full and detailed explanation of the specific reasons for my account closure, including any evidence relied upon, a resolution regarding the outstanding balance and accrued charges, and a review of whether this action was taken in accordance with governing laws and regulations.","date_sent_to_company":"2026-04-26T15:19:50.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"681XX","tags":null,"has_narrative":true,"complaint_id":"21611292","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-04-26T14:48:00.000Z","state":"NE","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["<em>However</em>, due to the sudden closure of my account, I <em>have</em> been unable to access the platform to repay the outstanding <em>balance</em>.\n\nDespite being locked out of my account, I <em>have</em> continued to receive emails indicating that interest and additional charges are being applied to the outstanding <em>balance</em>. As of now, the amount has increased to {$160.00}."]},"sort":[15.929402,"21611292"]},{"_index":"complaint-public-v1","_id":"12877828","_score":15.295282,"_source":{"product":"Credit card","complaint_what_happened":"Recently, in XX/XX/XXXX, I missed the payment deadline for my Capital One XXXX branded for Cabela 's Club. On my XXXX XXXX the information detailing the interest charges identified a balance of over {$400.00} from purchases made at XXXX XXXX XXXX however, I have not made a purchase from either of those stores in over a year. \nPrior XXXX my XXXX statement I have paid off the balance each month in full going back XXXX XX/XX/XXXX. \nEach statement from XX/XX/XXXX XXXX XX/XX/XXXX identifies that the balance has been paid in full XXXX that there is no balance subject XXXX XXXXnterest. \nEach statement from XX/XX/XXXX to XX/XX/XXXX includes summary statements from the card holder agreement identifying that \" we will not charge you interest on any new transactions posted XXXX the purchase Segment of your Account if you paid the total balance across all Segments of your Account in full by the due date on your Statement each month. '' On my XXXX Statement Capital One indicated that I have a new balance of over {$400.00} from purchases made at XXXX XXXX XXXX subject XXXX interest. THIS IS AN ERROR. \nXXXX. This violates the card holder agreement indicating that Capital One will not charge interest on purchases when the balance is paid in full. \nXXXX. Each month in XXXX the balance was paid in full and no transactions were eligible XXXX be charged interest. \n\nXXXX. There was no purchase made at XXXX XXXXXXXX XXXX  within the last 12 months that the Capital One Senior Account Supervisor, XXXX, could identify that would qualify as eligible for interest. \nXXXX. Capital one Senior Account Supervisor, XXXX, did communicate that she found a transaction from XXXX that was eligible for the promotional interest rate XXXX  that transaction is why I'm being changed interest in XXXX. \nXXXX. Based on the information Capital One XXXX XXXX XXXX provided the XXXX transaction had been paid off years ago. \nXXXX. For every month in XXXX I carried no balance XXXX had no balance subject to interest. \nXXXX. I communicated XXXX Capital One XXXX XXXX XXXX charging interest on a balance that was paid off violates the card holder agreement. \nXXXX. Capital One XXXX XXXX XXXX insisted that Capital One did not incorrectly calculate or create a balance that did not exist. \nXXXX. I asked Capital One XXXX XXXX XXXX to explain how that balance existed in XXXX but not in the years prior, she stated that the interest was correctly calculated. \n\nXXXX. I advised that I am extremely concerned that Capital One does not maintain adequate controls over the calculation of interest XXXX does not have controls XXXX validate the accuracy of the interest it charges XXXX  customers. \nXXXX. Capital One relies on a third-party to calculate interest. \nXXXX. Almost on a monthly basis the Capital One Card Operations team investigates incorrect interest calculations performed by their third-party and works XXXX  refund those incorrect interest charges to customers. \nXXXX. The third-party Capital One uses to calculate interest does not disclose to Capital One how they calculate interest on individual credit accounts. They do not provide specific information on the logical programming they rely on to ensure accurate calculations. \nXXXX. It is known within Capital One 's Card Operations teams, Risk Department, and XXXX group that Capital One does not review or attempt to recalculate specific account interest charges for accuracy. Rather Capital One 's Card Operations teams rely on estimates calculated internally and by their external Auditor to evaluate the \" reasonableness '' of interest charges but is unable to exactly replicate a group of individual cardholder 's actual interest charges. \nXXXX. As a result, there are numerous customers incorrectly charged interest which Capital One indicates in the Cardholder agreement it is the customer 's responsibility to review their monthly statements XXXX dispute any inaccurate charges. If a customer does not dispute Capital One assumes there are no issues. \n\nXXXX. Capital One XXXX XXXX XXXX stated that based on her research I made a purchase in XXXX XXXX despite paying off the balance in the years prior, the balance I am not being charged interest originated from XXXX. \nXXXX. Capital One XXXX XXXX XXXX refused to escalate my concern XXXX a Unit Manager or someone above her. \nXXXX. Capital One XXXX XXXX XXXX stated I am unable XXXX dispute interest charges. \nXXXX. Capital One Senior Supervisor XXXX stated my dispute will be sent XXXX the appropriate team within Capital One, but I will not receive a call back or indication of resolution.","date_sent_to_company":"2025-04-08T22:18:31.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"23236","tags":null,"has_narrative":true,"complaint_id":"12877828","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-04-08T21:19:03.000Z","state":"VA","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["On my XXXX XXXX the information detailing the interest charges <em>identified</em> a <em>balance</em> of over {$400.00} from purchases made at XXXX XXXX XXXX <em>however</em>, I <em>have</em> not made a purchase from either of those stores in over a year. \nPrior XXXX my XXXX statement I <em>have</em> paid off the <em>balance</em> each month in full going back XXXX XX/XX/XXXX. \nEach statement from XX/XX/XXXX XXXX XX/XX/XXXX <em>identifies</em> that the <em>balance</em> has been paid in full XXXX that there is no <em>balance</em> subject XXXX XXXXnterest."]},"sort":[15.295282,"12877828"]},{"_index":"complaint-public-v1","_id":"8182185","_score":15.1063795,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JP Morgan Chase & Co regarding the closure of my checking account, which had a remaining balance of {$4200.00} on XXXXXXXXXXXX XXXX XXXX \n\nA letter from Chase dated XXXXXXXX XXXX XXXX that I received a couple of weeks later stated they restricted my account and may close it and that the remaining balance in my checking account would be sent to me by mail. However, despite this assurance, I have not received the remaining balance. Subsequent calls to Chase to inquire about the status of my funds have been met with conflicting information and an overall lack of transparency. \n\nUpon contacting Chase multiple times, I was informed that an investigation was underway to determine the whereabouts of my money. However, during a call on XXXXXXXXXXXX XXXX XXXXXXXX two out of three representatives denied the existence of any investigation and falsely claimed that I had withdrawn {$4200.00} on XX/XX/XXXXXXXX XXXX XXXX I was not able to access my online checking account app since XX/XX/XXXXXXXX XXXX Yet, the last statement I received from Chase dated XX/XX/XXXX, showed a withdrawal of my remaining balance {$4200.00}, which could not have been made by me because I already lost access to the account on XX/XX/XXXX. The third person, identified as the manager, asserted that there was indeed an investigation and that Chase decided to return the funds to the XXXX senders. \n\nWhen I requested information about the specific XXXX senders, so I could attempt to recover my money, Chase refused to provide a list and insisted that I involve a lawyer to obtain such details. I find this refusal to share crucial information concerning and believe that I have a right to know the recipients of my funds. \n\nI also strongly dispute Chase 's claim that my money was returned to XXXX senders, especially given the number of XXXX transactions involved. And if the money was actually sent back to some XXXX senders, which XXXX sender, and it should show up as a separate transaction for each XXXX sender instead of a one-transaction withdrawal of {$4200.00}. I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure the prompt return of my {$4200.00}. \n\nAttached with this complaint are copies of the last statement I received, the letters from Chase, and a detailed record of the phone calls made to Chase and the visits I made to Chase branches to inquire about this since XX/XX/XXXX. I also moved from XXXX XXXX XXXX state during this time and updated my address with Chase to ensure they'd mail the check to the right place. The manager in the last phone call claimed that Chase will not send a check for my remaining balance. \n\nI appreciate your attention to this matter and look forward to a swift resolution. \n\nSincerely,","date_sent_to_company":"2024-01-19T17:09:49.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"98074","tags":null,"has_narrative":true,"complaint_id":"8182185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-01-19T16:29:08.000Z","state":"WA","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["<em>However</em>, despite this assurance, I <em>have</em> not received the remaining <em>balance</em>. Subsequent calls to Chase to inquire about the status of my funds <em>have</em> been met with conflicting information and an overall lack of transparency. \n\nUpon contacting Chase multiple times, I was informed that an <em>investigation</em> was underway to determine the whereabouts of my money."]},"sort":[15.1063795,"8182185"]},{"_index":"complaint-public-v1","_id":"21074662","_score":14.09812,"_source":{"product":"Checking or savings account","complaint_what_happened":"Formal Complaint : Identity Theft & Regulation E Violation 1. The Incident : I am a victim of identity theft involving unauthorized online transfers from my Huntington account. This was reported to the XXXX XXXX XXXX Police, and a finalized report was issued : Case # XXXX, approved by XXXX XXXX XXXX on XX/XX/year>. \n2. Bank Admission of Fraud : The bank has already partially acknowledged the fraud by reversing several transactions, which moved my balance from {$19.00} to {$100.00}. However, they are still withholding the remaining stolen funds ( approximately {$1400.00} ). \nXXXX. Legal Violations ( Regulation E ) : Under 12 CFR 1005.11, Huntington is required to provide provisional credit or provide me with the specific evidence ( IP logs and device identifiers ) used to deny the remainder of my claim. They have done neither, which is a direct violation of federal law.\n\n4. XXXX & Accessibility Issues : I am a XXXX XXXX XXXX veteran with XXXX  XXXX and XXXX XXXX issues. The bank insisted on an in-person branch visit to collect my undisputed {$100.00}, refusing my request for a reasonable accommodation ( mailing a check ). This requirement creates a discriminatory barrier to accessing my own funds.\n\n5. Financial Hardship : I am currently pursuing a Bachelors in Accounting at XXXX XXXX XXXX XXXX. This withholding is causing extreme financial distress and interfering with my VA-approved educational path. \nDesired Resolution : Full reversal and credit of the remaining {$1400.00} in fraudulent charges.\n\nImmediate release of all funds via a mailed cashier 's check to avoid further physical strain on my health. \nProvision of all technical logs used in the bank 's investigation.","date_sent_to_company":"2026-04-09T00:52:20.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"43227","tags":"Servicemember","has_narrative":true,"complaint_id":"21074662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2026-04-09T00:07:42.000Z","state":"OH","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Bank Admission of Fraud : The bank has already partially acknowledged the fraud by reversing several <em>transactions</em>, which moved my <em>balance</em> from {$19.00} to {$100.00}. <em>However</em>, they are still withholding the remaining stolen funds ( approximately {$1400.00} ). \nXXXX. Legal Violations ( Regulation E ) : Under 12 CFR 1005.11, Huntington is required to provide provisional credit or provide me with the <em>specific</em> evidence ( IP logs and device <em>identifiers</em> ) used to deny the remainder of my claim."]},"sort":[14.09812,"21074662"]},{"_index":"complaint-public-v1","_id":"11349370","_score":13.485788,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. \nDetails of the Disputed Account : Account Name : XXXX XXXX  Account Number : XXXX High Balance : {$19000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Account Status : Open Payment Status : Current Account Description : Auto Loan Two-Year Payment History : Discrepancies noted between XXXX to XX/XX/XXXX for XXXX and XXXX XXXX XX/XX/XXXX for XXXX and TransUnion. \nExplanation of the Issue : The account in question reflects late payments during the specified months ; however, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors have been identified in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus. \nDate of Last Activity : Inconsistent reporting across TransUnion, XXXX, and XXXX. \nUnder 15 USC 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, per 15 USC 1681i ( a ) ( XXXX ) ( A ), you are required to reinvestigate any disputed information unless you deem it frivolous or irrelevant. \nLegal References Supporting My Request : 15 USC 1681a ( c ) : My consumer report should not contain information regarding transactions or experiences solely between me and the reporting entity unless verified and accurate.\n\n15 USC 1681s-2 : Data furnishers are required to report accurate information and correct inaccuracies promptly.\n\n15 USC 1666 ( b ) : Lenders must provide periodic statements that comply with specific timing and content requirements to avoid misleading consumers.\n\nSpecific Request : Conduct a thorough reinvestigation of the disputed account and provide a description of the procedures used in the investigation. \nProvide verifiable proof of the alleged late payments, including specific dates, amounts, and any communication that substantiates the claim. \nIf the investigation reveals errors, update the account status to \" Paid As Agreed, Never Late. '' If, after your investigation, you are unable to verify the accuracy of the reported late payments, I request that the inaccurate information be removed or corrected promptly. Failure to resolve this matter in a timely manner XXXX result in further action, as permitted under the FCRA. \nThank you for your prompt attention to this matter. Please provide a written response within the XXXX period stipulated by the FCRA. I look forward to your response and resolution of this issue. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-02T22:21:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33909","tags":null,"has_narrative":true,"complaint_id":"11349370","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-02T22:21:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Explanation of the Issue : The account in question reflects late payments during the specified months ; <em>however</em>, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors <em>have</em> been <em>identified</em> in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus."],"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":[13.485788,"11349370"]},{"_index":"complaint-public-v1","_id":"11349429","_score":13.4705105,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. \nDetails of the Disputed Account : Account Name XXXX XXXX XXXX Account Number : XXXX High Balance : {$19000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Account Status : Open Payment Status : Current Account Description : Auto Loan Two-Year Payment History : Discrepancies noted between XXXX to XX/XX/XXXX for XXXX and XXXX XXXX XX/XX/XXXX for Experian and XXXX. \nExplanation of the Issue : The account in question reflects late payments during the specified months ; however, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors have been identified in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus. \nDate of Last Activity : Inconsistent reporting across XXXX, Experian, and XXXX. \nUnder 15 USC 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, per 15 USC 1681i ( a ) ( 1 ) ( A ), you are required to reinvestigate any disputed information unless you deem it frivolous or irrelevant.\n\nLegal References Supporting My Request : 15 USC 1681a ( c ) : My consumer report should not contain information regarding transactions or experiences solely between me and the reporting entity unless verified and accurate.\n\n15 USC 1681s-2 : Data furnishers are required to report accurate information and correct inaccuracies promptly.\n\n15 USC 1666 ( b ) : Lenders must provide periodic statements that comply with specific timing and content requirements to avoid misleading consumers.\n\nSpecific Request : Conduct a thorough reinvestigation of the disputed account and provide a description of the procedures used in the investigation.\n\nProvide verifiable proof of the alleged late payments, including specific dates, amounts, and any communication that substantiates the claim.\n\nIf the investigation reveals errors, update the account status to \" Paid As Agreed, Never Late. '' If, after your investigation, you are unable to verify the accuracy of the reported late payments, I request that the inaccurate information be removed or corrected promptly. Failure to resolve this matter in a timely manner may result in further action, as permitted under the FCRA.\n\nThank you for your prompt attention to this matter. Please provide a written response within the 30-day period stipulated by the FCRA. I look forward to your response and resolution of this issue. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-02T22:13:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33909","tags":null,"has_narrative":true,"complaint_id":"11349429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-02T22:13:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Explanation of the Issue : The account in question reflects late payments during the specified months ; <em>however</em>, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors <em>have</em> been <em>identified</em> in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus."],"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":[13.4705105,"11349429"]},{"_index":"complaint-public-v1","_id":"11346749","_score":13.4705105,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. \nDetails of the Disputed Account : Account Name : XXXX XXXX Account Number : XXXX High Balance : {$19000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Account Status : Open Payment Status : Current Account Description : Auto Loan Two-Year Payment History : Discrepancies noted between XXXX to XX/XX/XXXX for XXXX and XXXX XXXX XX/XX/XXXX for XXXX and TransUnion. \nExplanation of the Issue : The account in question reflects late payments during the specified months ; however, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors have been identified in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus. \nDate of Last Activity : Inconsistent reporting across TransUnion, XXXX, and XXXX. \nUnder 15 USC 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, per 15 USC 1681i ( a ) ( 1 ) ( A ), you are required to reinvestigate any disputed information unless you deem it frivolous or irrelevant.\n\nLegal References Supporting My Request : 15 USC 1681a ( c ) : My consumer report should not contain information regarding transactions or experiences solely between me and the reporting entity unless verified and accurate. \nXXXX XXXX XXXX : Data furnishers are required to report accurate information and correct inaccuracies promptly. \nXXXX XXXX XXXX ( b ) : Lenders must provide periodic statements that comply with specific timing and content requirements to avoid misleading consumers. \nSpecific Request : XXXX a thorough reinvestigation of the disputed account and provide a description of the procedures used in the investigation. \nProvide verifiable proof of the alleged late payments, including specific dates, amounts, and any communication that substantiates the claim. \nIf the investigation reveals errors, update the account status to \" Paid As Agreed, Never Late. '' If, after your investigation, you are unable to verify the accuracy of the reported late payments, I request that the inaccurate information be removed or corrected promptly. Failure to resolve this matter in a timely manner XXXX result in further action, as permitted under the FCRA. \nThank you for your prompt attention to this matter. Please provide a written response within the XXXX period stipulated by the FCRA. I look forward to your response and resolution of this issue. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-02T22:21:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33909","tags":null,"has_narrative":true,"complaint_id":"11346749","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-02T22:14:21.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Explanation of the Issue : The account in question reflects late payments during the specified months ; <em>however</em>, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors <em>have</em> been <em>identified</em> in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus."],"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":[13.4705105,"11346749"]},{"_index":"complaint-public-v1","_id":"11349430","_score":13.458293,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. \nDetails of the Disputed Account : Account Name XXXX XXXX XXXX Account Number : XXXX High Balance : {$19000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Account Status : Open Payment Status : Current Account Description : Auto Loan Two-Year Payment History : Discrepancies noted between XXXX to XX/XX/XXXX for XXXX and XXXX XXXX XX/XX/XXXX for Experian and XXXX. \nExplanation of the Issue : The account in question reflects late payments during the specified months ; however, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors have been identified in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus. \nDate of Last Activity : Inconsistent reporting across XXXX, Experian, and XXXX. \nUnder 15 USC 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, per 15 USC 1681i ( a ) ( 1 ) ( A ), you are required to reinvestigate any disputed information unless you deem it frivolous or irrelevant.\n\nLegal References Supporting My Request : 15 USC 1681a ( c ) : My consumer report should not contain information regarding transactions or experiences solely between me and the reporting entity unless verified and accurate.\n\n15 USC 1681s-2 : Data furnishers are required to report accurate information and correct inaccuracies promptly.\n\n15 USC 1666 ( b ) : Lenders must provide periodic statements that comply with specific timing and content requirements to avoid misleading consumers.\n\nSpecific Request : Conduct a thorough reinvestigation of the disputed account and provide a description of the procedures used in the investigation.\n\nProvide verifiable proof of the alleged late payments, including specific dates, amounts, and any communication that substantiates the claim.\n\nIf the investigation reveals errors, update the account status to \" Paid As Agreed, Never Late. '' If, after your investigation, you are unable to verify the accuracy of the reported late payments, I request that the inaccurate information be removed or corrected promptly. Failure to resolve this matter in a timely manner may result in further action, as permitted under the FCRA.\n\nThank you for your prompt attention to this matter. Please provide a written response within the 30-day period stipulated by the FCRA. I look forward to your response and resolution of this issue. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-02T22:13:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33909","tags":null,"has_narrative":true,"complaint_id":"11349430","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-02T22:13:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Explanation of the Issue : The account in question reflects late payments during the specified months ; <em>however</em>, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors <em>have</em> been <em>identified</em> in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus."],"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":[13.458293,"11349430"]},{"_index":"complaint-public-v1","_id":"11349232","_score":13.458293,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. \nDetails of the Disputed Account : Account Name XXXX XXXX XXXX Account Number : XXXX High Balance : {$19000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Account Status : Open Payment Status : Current Account Description : Auto Loan Two-Year Payment History : Discrepancies noted between XXXX to XX/XX/XXXX for XXXX and XXXX XXXX XX/XX/XXXX for Experian and XXXX. \nExplanation of the Issue : The account in question reflects late payments during the specified months ; however, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors have been identified in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus. \nDate of Last Activity : Inconsistent reporting across XXXX, Experian, and XXXX. \nUnder 15 USC 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, per 15 USC 1681i ( a ) ( 1 ) ( A ), you are required to reinvestigate any disputed information unless you deem it frivolous or irrelevant.\n\nLegal References Supporting My Request : 15 USC 1681a ( c ) : My consumer report should not contain information regarding transactions or experiences solely between me and the reporting entity unless verified and accurate.\n\n15 USC 1681s-2 : Data furnishers are required to report accurate information and correct inaccuracies promptly.\n\n15 USC 1666 ( b ) : Lenders must provide periodic statements that comply with specific timing and content requirements to avoid misleading consumers.\n\nSpecific Request : Conduct a thorough reinvestigation of the disputed account and provide a description of the procedures used in the investigation. \nProvide verifiable proof of the alleged late payments, including specific dates, amounts, and any communication that substantiates the claim. \nIf the investigation reveals errors, update the account status to \" Paid As Agreed, Never Late. '' If, after your investigation, you are unable to verify the accuracy of the reported late payments, I request that the inaccurate information be removed or corrected promptly. Failure to resolve this matter in a timely manner may result in further action, as permitted under the FCRA.\n\nThank you for your prompt attention to this matter. Please provide a written response within the 30-day period stipulated by the FCRA. I look forward to your response and resolution of this issue. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-02T22:13:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33909","tags":null,"has_narrative":true,"complaint_id":"11349232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-02T22:06:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Explanation of the Issue : The account in question reflects late payments during the specified months ; <em>however</em>, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors <em>have</em> been <em>identified</em> in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus."],"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":[13.458293,"11349232"]},{"_index":"complaint-public-v1","_id":"11349368","_score":13.448792,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. \nDetails of the Disputed Account : Account Name XXXX XXXX XXXX Account Number : XXXX High Balance : {$19000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Account Status : Open Payment Status : Current Account Description : Auto Loan Two-Year Payment History : Discrepancies noted between XXXX to XX/XX/XXXX for XXXX and XXXX XXXX XX/XX/XXXX for XXXX and TransUnion. \nExplanation of the Issue : The account in question reflects late payments during the specified months ; however, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors have been identified in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus. \nDate of Last Activity : Inconsistent reporting across TransUnion, XXXX, and XXXX. \nUnder 15 USC 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, per 15 USC 1681i ( a ) ( 1 ) ( A ), you are required to reinvestigate any disputed information unless you deem it frivolous or irrelevant.\n\nLegal References Supporting My Request : 15 USC 1681a ( c ) : My consumer report should not contain information regarding transactions or experiences solely between me and the reporting entity unless verified and accurate.\n\n15 USC 1681s-2 : Data furnishers are required to report accurate information and correct inaccuracies promptly.\n\n15 USC 1666 ( b ) : Lenders must provide periodic statements that comply with specific timing and content requirements to avoid misleading consumers. \nSpecific Request : XXXX a thorough reinvestigation of the disputed account and provide a description of the procedures used in the investigation. \nProvide verifiable proof of the alleged late payments, including specific dates, amounts, and any communication that substantiates the claim. \nIf the investigation reveals errors, update the account status to \" Paid As Agreed, Never XXXX. '' If, after your investigation, you are unable to verify the accuracy of the reported late payments, I request that the inaccurate information be removed or corrected promptly. Failure to resolve this matter in a timely manner XXXX result in further action, as permitted under the FCRA. \nThank you for your prompt attention to this matter. Please provide a written response within the 30-day period stipulated by the FCRA. I look forward to your response and resolution of this issue. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-02T22:21:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33909","tags":null,"has_narrative":true,"complaint_id":"11349368","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-02T22:21:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Explanation of the Issue : The account in question reflects late payments during the specified months ; <em>however</em>, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors <em>have</em> been <em>identified</em> in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus."],"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":[13.448792,"11349368"]},{"_index":"complaint-public-v1","_id":"11346724","_score":13.448792,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. \nDetails of the Disputed Account : Account Name : XXXX XXXX Account Number : XXXX High Balance : {$19000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Account Status : Open Payment Status : Current Account Description : Auto Loan Two-Year Payment History : Discrepancies noted between XXXX to XX/XX/XXXX for Equifax and XXXX XXXX XX/XX/XXXX for XXXX and XXXX. \nExplanation of the Issue : The account in question reflects late payments during the specified months ; however, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors have been identified in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus. \nDate of Last Activity : Inconsistent reporting across XXXX, XXXX, and Equifax. \nUnder 15 USC 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, per 15 USC 1681i ( a ) ( 1 ) ( A ), you are required to reinvestigate any disputed information unless you deem it frivolous or irrelevant.\n\nLegal References Supporting My Request : 15 USC 1681a ( c ) : My consumer report should not contain information regarding transactions or experiences solely between me and the reporting entity unless verified and accurate.\n\n15 USC 1681s-2 : Data furnishers are required to report accurate information and correct inaccuracies promptly.\n\n15 USC 1666 ( b ) : Lenders must provide periodic statements that comply with specific timing and content requirements to avoid misleading consumers. \nSpecific Request : Conduct a thorough reinvestigation of the disputed account and provide a description of the procedures used in the investigation. \nProvide verifiable proof of the alleged late payments, including specific dates, amounts, and any communication that substantiates the claim. \nIf the investigation reveals errors, update the account status to \" Paid As Agreed, Never Late. '' If, after your investigation, you are unable to verify the accuracy of the reported late payments, I request that the inaccurate information be removed or corrected promptly. Failure to resolve this matter in a timely manner may result in further action, as permitted under the FCRA.\n\nThank you for your prompt attention to this matter. Please provide a written response within the 30-day period stipulated by the FCRA. I look forward to your response and resolution of this issue. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-02T22:03:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33909","tags":null,"has_narrative":true,"complaint_id":"11346724","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-02T21:46:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Explanation of the Issue : The account in question reflects late payments during the specified months ; <em>however</em>, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors <em>have</em> been <em>identified</em> in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus."],"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":[13.448792,"11346724"]},{"_index":"complaint-public-v1","_id":"21109449","_score":13.338476,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"enrolled my XXXX  into a \" XXXXXXXX XXXX XXXX XXXXXXXX competition, ran by XXXX. After unauthorized funds were deducted from accounts, being given false information from XXXXXXXX XXXX XXXX XXXXXXXX team, and continued experiences of poor customer service, I requested that my XXXX  be withdrawn from the competition. I am requesting a full refund of all funds collected through transactions made by a XXXX  and through practices that were misleading and lacked transparency. \n\nSpecifically, I am requesting : Full reimbursement of all transactions totaling approximately {$2700.00} ( or the corrected total upon full investigation ) Credit for the remaining balance of {$2600.00} after accounting for the {$44.00} already refunded A full audit of all transactions related to this matter Written confirmation that these transactions have been voided and removed These transactions involve a XXXX XXXX, and according to XXXX XXXX XXXX XXXX own rules, XXXX  are not permitted to make donations. Despite this, multiple transactions were accepted and processed. \n\nAdditionally, I made multiple attempts to contact XXXX XXXX XXXX XXXX through their website chat feature and email, and I did not receive responses. The company later claimed they responded to all concerns, which is inaccurate. When I requested proof of their responses, none was provided. \n\nThe attached email reflects that I had to initiate direct contact after receiving no response through their chat system. I have documentation of repeated outreach attempts. \n\nFurthermore, I began contacting the company after multiple individualsincluding family members and friendsreported that funds were taken from their accounts without consent after donating. While one individual was able to recover funds through their bank, several others have not, resulting in a combined financial impact exceeding {$5000.00}. \n\nI also have concerns regarding misleading and incomplete information provided during the contest, including : Failure to disclose the number of participants within each group Failure to provide or allow access to actual vote counts for participants or competitors Refusal to provide this information even when directly requested Participants are instead shown relative rankings ( such as being in first place ) without meaningful context. This creates a misleading impression of proximity to winning, while withholding critical information about overall competition size and actual standing. \n\nAdditionally, the company has represented that participants do not need a large social media following or significant financial contributions to win, and that it is possible to win using only daily free votes. Based on my experience and observations, this representation is misleading and does not reflect the practical reality of how the competition operates. \n\nThis lack of transparency created a misleading impression that continued donations would meaningfully impact the outcome, when critical information was withheld. \n\nDue to these issues, I am also requesting : A formal explanation of how transactions from a minor were accepted An explanation of their communication failures and inability to provide proof of responses Clarification of what information is disclosed to participants regarding competition structure and vote tracking Corrective action to ensure transparency and prevent similar issues affecting other families Due to the financial loss, lack of transparency, and failure to respond appropriately, I am also requesting appropriate compensation for the time, distress, and impact caused. \n\nAdditionally, a partial refund in the amount of {$44.00} was issued through the Cash App account associated with these transactions. However, due to Cash App closing the unauthorized account, I no longer have access to retrieve that specific transaction record. \n\nFurther, Cash App closed my account after I submitted my complaint and dispute, without providing a clear explanation or identifying any violation of terms. This action further restricted my access to records and raises concerns regarding their handling of this matter. \n\nAll transaction records, including refunds, are within the control of Cash App and associated payment processors, and I request that these records be obtained as part of any investigation.","date_sent_to_company":"2026-04-09T22:20:29.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"44212","tags":null,"has_narrative":true,"complaint_id":"21109449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-04-09T21:47:02.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Additionally, a partial refund in the amount of {$44.00} was issued through the Cash App account associated with these <em>transactions</em>. <em>However</em>, due to Cash App closing the unauthorized account, I no longer <em>have</em> access to retrieve that <em>specific</em> transaction record. \n\nFurther, Cash App closed my account after I submitted my complaint and dispute, without providing a clear explanation or <em>identifying</em> any violation of terms."],"issue":["Unauthorized <em>transactions</em> or other transaction problem"]},"sort":[13.338476,"21109449"]},{"_index":"complaint-public-v1","_id":"11347128","_score":13.290201,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. \nDetails of the Disputed Account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Equifax XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Account Status : Open Payment Status : Current Account Description : Auto Loan Two-Year Payment History : Discrepancies noted between XXXX to XX/XX/XXXX for Equifax and XXXX XXXX XX/XX/XXXX for XXXX and XXXX. \nExplanation of the Issue : The account in question reflects late payments during the specified months ; however, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors have been identified in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus. \nDate of Last Activity : Inconsistent reporting across XXXX, XXXX, and Equifax. \nUnder 15 USC 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, per 15 USC 1681i ( a ) ( 1 ) ( A ), you are required to reinvestigate any disputed information unless you deem it frivolous or irrelevant.\n\nLegal References Supporting My Request : 15 USC 1681a ( c ) : My consumer report should not contain information regarding transactions or experiences solely between me and the reporting entity unless verified and accurate.\n\n15 USC 1681s-2 : Data furnishers are required to report accurate information and correct inaccuracies promptly.\n\n15 USC 1666 ( b ) : Lenders must provide periodic statements that comply with specific timing and content requirements to avoid misleading consumers.\n\nSpecific Request : Conduct a thorough reinvestigation of the disputed account and provide a description of the procedures used in the investigation.\n\nProvide verifiable proof of the alleged late payments, including specific dates, amounts, and any communication that substantiates the claim.\n\nIf the investigation reveals errors, update the account status to \" Paid As Agreed, Never Late. '' If, after your investigation, you are unable to verify the accuracy of the reported late payments, I request that the inaccurate information be removed or corrected promptly. Failure to resolve this matter in a timely manner may result in further action, as permitted under the FCRA.\n\nThank you for your prompt attention to this matter. Please provide a written response within the 30-day period stipulated by the FCRA. I look forward to your response and resolution of this issue. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-02T22:03:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33909","tags":null,"has_narrative":true,"complaint_id":"11347128","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-02T22:03:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Explanation of the Issue : The account in question reflects late payments during the specified months ; <em>however</em>, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors <em>have</em> been <em>identified</em> in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus."],"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":[13.290201,"11347128"]},{"_index":"complaint-public-v1","_id":"11869865","_score":13.110219,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Re : Dispute of Inaccurate Late Payments on XXXX Account : XXXX Dear CFPB, I am submitting this dispute regarding inaccurate late payments that are reported on my credit file maintained by Equifax . These late payments are erroneous and do not accurately reflect my payment history. Below, I outline the nature of my complaint and request resolution under the Fair Credit Reporting Act ( FCRA ).\n\nNature of the Complaint : Inaccurate Reporting : According to the Equifax report, the account shows two 30-day late payments and one 60-day late payment in the \" Days Late - 7 Year History '' section. However, no specific dates are provided, and the Two-Year Payment History for XXXX and XXXX shows no marked late payments. This inconsistency is inaccurate and misleading. \nMy records confirm that I have consistently made all payments on time, as I am enrolled in autopay for all my accounts.\n\nContradictions in Account Information : Credit Limit : Equifax reports the credit limit as {$1300.00}, but no transactions or balances have been reported.\n\nPayment Status : The account is listed as Current, yet late payments are simultaneously indicated, which is contradictory.\n\nViolation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates FCRA Section 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.\n\nIt also violates 15 U.S. Code 1681i ( reinvestigations of disputed information ) and 15 U.S. Code 1681s-2 ( responsibilities of furnishers of information ). \nDetails of the Account Discrepancies : Account Information from Equifax Report : Account Number : XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$1300.00} Issues Identified : No Specific Late Payment Dates : The report indicates late payments ( XXXX occurrences at 30 days and XXXX occurrence at 60 days ) but fails to provide any dates or specific months in which these payments allegedly occurred. \nContradictions in Reporting : The Two-Year Payment History shows no late payments in XXXX and XXXX, yet the Days Late section records late payments without supporting detail. \nRequested Resolution : I request that Equifax take the following actions : Conduct a thorough investigation into the reported inaccuracies for the XXXX account. \nRemove the erroneous late payments and update my credit report to accurately reflect my consistent on-time payment history. \nVerify the accuracy of the reported late payments by contacting the furnisher ( XXXX ). \nProvide documentation supporting the claims of late payments if they are accurate, including exact dates. \nProvide written confirmation of these corrections within 30 days of this complaint submission. \nFailure to resolve this issue may lead to further action to protect my rights as a consumer under the FCRA, including possible civil remedies as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o.\n\nAttachments : Include a copy of your credit report highlighting the discrepancies and any supporting documentation. \nThank you for your immediate attention to this matter. I look forward to resolving this issue promptly. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-31T04:43:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33709","tags":null,"has_narrative":true,"complaint_id":"11869865","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-31T04:42:44.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>However</em>, no <em>specific</em> dates are provided, and the Two-Year Payment History for XXXX and XXXX shows no marked late payments. This inconsistency is inaccurate and misleading. \nMy records confirm that I <em>have</em> consistently made all payments on time, as I am enrolled in autopay for all my accounts.\n\nContradictions in Account Information : Credit Limit : Equifax reports the credit limit as {$1300.00}, but no <em>transactions</em> or <em>balances</em> <em>have</em> been reported."]},"sort":[13.110219,"11869865"]},{"_index":"complaint-public-v1","_id":"11869838","_score":13.101473,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Re : Dispute of Inaccurate Late Payments on XXXX Account : XXXX Dear CFPB, I am submitting this dispute regarding inaccurate late payments that are reported on my credit file maintained by Equifax . These late payments are erroneous and do not accurately reflect my payment history. Below, I outline the nature of my complaint and request resolution under the Fair Credit Reporting Act ( FCRA ).\n\nNature of the Complaint : Inaccurate Reporting : According to the Equifax report, the account shows two 30-day late payments and one 60-day late payment in the \" Days Late - 7 Year History '' section. However, no specific dates are provided, and the Two-Year Payment History for XXXX and XXXX shows no marked late payments. This inconsistency is inaccurate and misleading. \nMy records confirm that I have consistently made all payments on time, as I am enrolled in autopay for all my accounts.\n\nContradictions in Account Information : Credit Limit : Equifax reports the credit limit as {$1300.00}, but no transactions or balances have been reported.\n\nPayment Status : The account is listed as Current, yet late payments are simultaneously indicated, which is contradictory.\n\nViolation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates FCRA Section 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.\n\nIt also violates 15 U.S. Code 1681i ( reinvestigations of disputed information ) and 15 U.S. Code 1681s-2 ( responsibilities of furnishers of information ). \nDetails of the Account Discrepancies : Account Information from Equifax Report : Account Number : XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$1300.00} Issues Identified : No Specific Late Payment Dates : The report indicates late payments ( XXXX occurrences at 30 days and XXXX occurrence at 60 days ) but fails to provide any dates or specific months in which these payments allegedly occurred. \nContradictions in Reporting : The Two-Year Payment History shows no late payments in XXXX and XXXX, yet the Days Late section records late payments without supporting detail. \nRequested Resolution : I request that Equifax take the following actions : Conduct a thorough investigation into the reported inaccuracies for the XXXX account. \nRemove the erroneous late payments and update my credit report to accurately reflect my consistent on-time payment history. \nVerify the accuracy of the reported late payments by contacting the furnisher ( XXXX ). \nProvide documentation supporting the claims of late payments if they are accurate, including exact dates. \nProvide written confirmation of these corrections within 30 days of this complaint submission. \nFailure to resolve this issue may lead to further action to protect my rights as a consumer under the FCRA, including possible civil remedies as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o.\n\nAttachments : Include a copy of your credit report highlighting the discrepancies and any supporting documentation. \nThank you for your immediate attention to this matter. I look forward to resolving this issue promptly. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-31T04:43:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33709","tags":null,"has_narrative":true,"complaint_id":"11869838","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-31T04:37:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>However</em>, no <em>specific</em> dates are provided, and the Two-Year Payment History for XXXX and XXXX shows no marked late payments. This inconsistency is inaccurate and misleading. \nMy records confirm that I <em>have</em> consistently made all payments on time, as I am enrolled in autopay for all my accounts.\n\nContradictions in Account Information : Credit Limit : Equifax reports the credit limit as {$1300.00}, but no <em>transactions</em> or <em>balances</em> <em>have</em> been reported."]},"sort":[13.101473,"11869838"]},{"_index":"complaint-public-v1","_id":"11869866","_score":13.086054,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Re : Dispute of Inaccurate Late Payments on XXXX Account : XXXX Dear CFPB, I am submitting this dispute regarding inaccurate late payments that are reported on my credit file maintained by Equifax . These late payments are erroneous and do not accurately reflect my payment history. Below, I outline the nature of my complaint and request resolution under the Fair Credit Reporting Act ( FCRA ).\n\nNature of the Complaint : Inaccurate Reporting : According to the Equifax report, the account shows two 30-day late payments and one 60-day late payment in the \" Days Late - 7 Year History '' section. However, no specific dates are provided, and the Two-Year Payment History for XXXX and XXXX shows no marked late payments. This inconsistency is inaccurate and misleading. \nMy records confirm that I have consistently made all payments on time, as I am enrolled in autopay for all my accounts.\n\nContradictions in Account Information : Credit Limit : Equifax reports the credit limit as {$1300.00}, but no transactions or balances have been reported.\n\nPayment Status : The account is listed as Current, yet late payments are simultaneously indicated, which is contradictory.\n\nViolation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates FCRA Section 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.\n\nIt also violates 15 U.S. Code 1681i ( reinvestigations of disputed information ) and 15 U.S. Code 1681s-2 ( responsibilities of furnishers of information ). \nDetails of the Account Discrepancies : Account Information from Equifax Report : Account Number : XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$1300.00} Issues Identified : No Specific Late Payment Dates : The report indicates late payments ( XXXX occurrences at 30 days and XXXX occurrence at 60 days ) but fails to provide any dates or specific months in which these payments allegedly occurred. \nContradictions in Reporting : The Two-Year Payment History shows no late payments in XXXX and XXXX, yet the Days Late section records late payments without supporting detail. \nRequested Resolution : I request that Equifax take the following actions : Conduct a thorough investigation into the reported inaccuracies for the XXXX account. \nRemove the erroneous late payments and update my credit report to accurately reflect my consistent on-time payment history. \nVerify the accuracy of the reported late payments by contacting the furnisher ( XXXX ). \nProvide documentation supporting the claims of late payments if they are accurate, including exact dates. \nProvide written confirmation of these corrections within 30 days of this complaint submission. \nFailure to resolve this issue may lead to further action to protect my rights as a consumer under the FCRA, including possible civil remedies as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o.\n\nAttachments : Include a copy of your credit report highlighting the discrepancies and any supporting documentation. \nThank you for your immediate attention to this matter. I look forward to resolving this issue promptly. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-31T04:43:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33709","tags":null,"has_narrative":true,"complaint_id":"11869866","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-31T04:42:44.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>However</em>, no <em>specific</em> dates are provided, and the Two-Year Payment History for XXXX and XXXX shows no marked late payments. This inconsistency is inaccurate and misleading. \nMy records confirm that I <em>have</em> consistently made all payments on time, as I am enrolled in autopay for all my accounts.\n\nContradictions in Account Information : Credit Limit : Equifax reports the credit limit as {$1300.00}, but no <em>transactions</em> or <em>balances</em> <em>have</em> been reported."]},"sort":[13.086054,"11869866"]},{"_index":"complaint-public-v1","_id":"10471049","_score":12.855484,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Inaccurate Information on Credit Report Credit Report Number : [ Insert if available ] Dear Sir/Madam, I am writing to formally dispute the inaccurate information that appears on my credit reports issued by both Equifax and XXXX. This dispute is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and related statutes. Below are the specific details of the discrepancies and legal violations I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracy : Balance Information According to my Equifax report, the balance on this account is shown as {$7100.00}, with no original balance provided. However, on my XXXX report, the original balance is listed as {$16000.00}. This discrepancy violates my rights under the FCRA to have accurate information reported on my credit report.\n\nApplicable Law : 15 USC 1681e ( b ) This law requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. The inconsistency in the original balance violates this requirement. \n15 USC 1681i ( a ) ( 5 ) This section mandates that incorrect or unverifiable information be deleted after investigation. \nResolution Request : Please investigate this discrepancy and correct the balance information to be consistent across all reports. \n\n2. Inaccuracy : Payment History XXXX XXXX report lacks any payment history for this account, while my Equifax report shows consistent delinquencies from XXXX XXXX XXXX  The failure to report accurate payment history across both reports is misleading and incorrect. \nApplicable Law : 15 USC 1681i ( a ) ( 1 ) ( A ) This section gives me the right to dispute inaccurate information, and the credit bureau is required to investigate the disputed items. Omitting crucial details like payment history can misrepresent my creditworthiness. \n15 USC 1681e ( b ) This law mandates that credit bureaus follow procedures to ensure maximum accuracy in reporting. Failure to include accurate payment history is a violation. \nResolution Request : Please update the payment history to reflect accurate information on all reports. \n\n3. Inaccuracy : Comments/Additional Information My Equifax report states that the account is currently under investigation ( \" Consumer Disputes- Reinvestigation in Progress '' ). However, no such note appears on my XXXX report. All credit reports should accurately reflect this status until the investigation is completed. \nApplicable Law : 15 USC 1681i ( a ) ( 2 ) ( A ) This section requires the credit reporting agency to notify the creditor of a dispute within five business days. XXXX failure to reflect the dispute status could constitute a violation of this requirement. \nResolution Request : Ensure the dispute status is reflected on all reports, and update me on the progress of the investigation. \n\nAdditional Consumer Rights & Requests : Based on 15 U.S. Code 1681c-2, a consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from alleged identity theft within four business days after receiving notice. I am requesting that the information related to the disputed accounts be blocked within this timeframe, as required by law. \nUnder 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), the credit reporting agency is required to ensure 100 % accuracy of the information being reported. The failure to provide accurate reporting of this account is in direct violation of these statutes.\n\nIn accordance with 15 USC 1681, these accounts have violated my federally protected consumer rights to privacy and confidentiality. Specifically : 15 USC 1681 Section 602 ( a ) : I have the right to privacy, and the reporting of inaccurate or unverifiable information violates this right. \n15 USC 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish information on my credit report without my written instructions. \nI am requesting a copy of the original agreement and terms & conditions related to this account. Failure to comply with this request will forfeit your claims and require you to delete all disputed items. \n\n\nI am requesting the immediate deletion of the disputed accounts unless you can provide proper verification in compliance with the laws mentioned. Failure to correct these inaccuracies or provide sufficient documentation will result in further action, as I may seek statutory damages of {$1000.00} per account under the FCRA for violations of my rights.\n\nYou are required to block these transactions from being reported to my consumer report within four business days from the date of receipt of this notice, as outlined in 15 U.S. Code 1681c-2. \nI look forward to your prompt response and resolution to this matter within the legally required timeframe. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-10-17T01:23:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77803","tags":null,"has_narrative":true,"complaint_id":"10471049","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-17T01:23:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Below are the <em>specific</em> details of the discrepancies and legal violations I <em>have</em> <em>identified</em> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracy : <em>Balance</em> Information According to my Equifax report, the <em>balance</em> on this account is shown as {$7100.00}, with no original <em>balance</em> provided. <em>However</em>, on my XXXX report, the original <em>balance</em> is listed as {$16000.00}. This discrepancy violates my rights under the FCRA to <em>have</em> accurate information reported on my credit report."]},"sort":[12.855484,"10471049"]},{"_index":"complaint-public-v1","_id":"11347018","_score":12.749212,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. \nDetails of the Disputed Account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Equifax XXXX Date Reported : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Equifax XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Account Status : Open Payment Status : Current Account Description : Auto Loan Two-Year Payment History : Discrepancies noted between XXXX to XX/XX/XXXX for Equifax and XXXX XXXX XX/XX/XXXX for XXXX and XXXX. \nExplanation of the Issue : The account in question reflects late payments during the specified months ; however, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors have been identified in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus. \nDate of Last Activity : Inconsistent reporting across XXXX, XXXX, and Equifax. \nUnder 15 USC 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, per 15 USC 1681i ( a ) ( 1 ) ( A ), you are required to reinvestigate any disputed information unless you deem it frivolous or irrelevant.\n\nLegal References Supporting My Request : 15 USC 1681a ( c ) : My consumer report should not contain information regarding transactions or experiences solely between me and the reporting entity unless verified and accurate.\n\n15 USC 1681s-2 : Data furnishers are required to report accurate information and correct inaccuracies promptly.\n\n15 USC 1666 ( b ) : Lenders must provide periodic statements that comply with specific timing and content requirements to avoid misleading consumers.\n\nSpecific Request : Conduct a thorough reinvestigation of the disputed account and provide a description of the procedures used in the investigation.\n\nProvide verifiable proof of the alleged late payments, including specific dates, amounts, and any communication that substantiates the claim.\n\nIf the investigation reveals errors, update the account status to \" Paid As Agreed, Never Late. '' If, after your investigation, you are unable to verify the accuracy of the reported late payments, I request that the inaccurate information be removed or corrected promptly. Failure to resolve this matter in a timely manner may result in further action, as permitted under the FCRA.\n\nThank you for your prompt attention to this matter. Please provide a written response within the 30-day period stipulated by the FCRA. I look forward to your response and resolution of this issue. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-02T22:03:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33909","tags":null,"has_narrative":true,"complaint_id":"11347018","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-02T22:03:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Explanation of the Issue : The account in question reflects late payments during the specified months ; <em>however</em>, to the best of my knowledge and records, all payments during this period were made on time and as agreed. These inaccuracies negatively impact my credit report and financial reputation. Additionally, the following errors <em>have</em> been <em>identified</em> in the reporting of this account : Last Verified Date : Discrepancies in the reported dates across the bureaus."],"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":[12.749212,"11347018"]},{"_index":"complaint-public-v1","_id":"21246598","_score":12.427271,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Against Capital One Failure to Investigate Unauthorized Transactions I am filing this complaint regarding Capital Ones handling of unauthorized debit card transactions totaling {$6600.00} ( Claim # XXXX ). \n\nBetween XX/XX/XXXX and XX/XX/XXXX, XXXX unauthorized transactions from XXXX XXXX posted to my checking account. These transactions overdrafted my account by over {$500.00} and I promptly filed a dispute on XX/XX/XXXX. \n\nCapital One denied my claim but never sent me any notice of the denial and I was only informed once calling to investigate on my own. They stated that I allegedly approved the transactions but did not provide any reasoning or evidence. I dispute this determination and requested documentation supporting that conclusion. \n\nOn XX/XX/XXXX, I submitted a formal request for reinvestigation along with extensive documentation including : Evidence showing the merchant is dissolved Pricing discrepancies proving charges were impossible Invalid merchant contact information Hospital documentation confirming my physical location Transaction timeline and fraud pattern Again, I never received any communication from Capital One. Therefore, on XX/XX/XXXX, I followed up asking for a receipt that the dispute had been reasserted. You can see the XX/XX/XXXX and XX/XX/XXXX communication attached as an attachment titled Capital One XX/XX/XXXX & XX/XX/XXXX. \n\nAgain, I never received any confirmation or communication from Capital One. So on XX/XX/XXXX, I sent a Final Notice Prior to Regulatory Escalation. \n\nOn XX/XX/XXXX, Capital One responded stating that my claim was being worked on but additional information was needed and requested that I call them. I requested in writing on XX/XX/XXXX that they specify what information was required and informed them I had sent extensive documentation via the email thread. Once again, Capital One never responded. \n\nI followed up again on XX/XX/XXXX stating I had not heard back and asked why I had not heard back. Unsurprisingly, I received no response. All correspondence has been ignored by Capital One. \n\nI temporarily held off with escalation due to the email stating my claim was being worked on and the request for additional information. However, since I have been repeatedly ignored since then, I sent another email on XX/XX/XXXX that informed them of all the ignored communication and served as a final warning prior to regulatory investigation. In this letter, I asked for specific documentation from capital one ; none of which was ever provided. \n\nYou can view the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX email thread as an attachment titled XX/XX/XXXX Notice, XX/XX/XXXX Additional Info Request, XXXX, XXXX, XXXX Follow Up Capital One Additionally, multiple emails I sent to Capital One resulted in bounce-back messages, raising concern that my documentation was never received. Despite repeated attempts to resolve this directly, Capital One has failed to : Identify what additional information is required Confirm the dispute has been reasserted Provide documentation supporting their denial Conduct a reasonable reinvestigation Communicate in writing despite repeated requests Meanwhile, my account remains restricted and the negative balance caused by fraud remains unresolved.\n\nI am requesting that Capital One : 1. Reopen and reinvestigate the dispute 2. Remove unauthorized transactions from my account 3. Provide provisional credit during investigation 4. Remove account restrictions and reinstate my account fully 5. Provide documentation supporting their determination I have attached all supporting documentation and email correspondence demonstrating my repeated attempts to resolve this matter directly. In addition to the documents mentioned above, I have provided all of the documentation provided directly to Capital One. Also, attached as a picture is a screenshot from the Capital One Mobile Application that shows that my account is permanently restricted by Capital One. This is unfair and is a result of them not properly investigating or handling a dispute that severely over drafted my account. I also have attached both XXXX and XXXX Statements which show the unauthorized activity and the overdrafting of my account. A XXXX statement was not provided by Capital One","date_sent_to_company":"2026-04-14T23:59:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"73072","tags":null,"has_narrative":true,"complaint_id":"21246598","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-04-14T23:31:19.000Z","state":"OK","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["<em>However</em>, since I <em>have</em> been repeatedly ignored since then, I sent another email on XX/XX/XXXX that informed them of all the ignored communication and served as a final warning prior to regulatory <em>investigation</em>. In this letter, I asked for <em>specific</em> documentation from capital one ; none of which was ever provided."]},"sort":[12.427271,"21246598"]},{"_index":"complaint-public-v1","_id":"17185632","_score":12.382619,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Telephone : XXXX Email : XXXX Date : XX/XX/year> To : Maryland Commissioner of Financial Regulation Subject : Formal Complaint and Request for Investigation : Identity Theft, Mishandled Financial Accounts, Unexplained Closure, and Lack of Communication Dear Sir or Madam, I am writing to request an urgent, multi-agency investigation into a complex series of events involving identity theft, unauthorized financial transactions, unexplained account closures, and an alarming lack of explanations or responses from the institutions involved. \n\n* * Summary of Major Issues * * - On XX/XX/year>, my email account was compromised. Fraudulent bank accounts were created in my name, and unauthorized transfers were initiated from multiple accounts, including attempted large transfers ( such as {$9000.00} ) allegedly destined for XXXX XXXX XXXXXXXX XXXX. \n- During my mortgage refinancing process with XXXX XXXX, I complied with a request for my Social Security card, only to face further identity-related fraud, email hacks, and the deletion of all XXXX XXXX  correspondence from my mailbox. While I reported these to XXXX XXXX and wrote to XXXX XXXX XXXXXXXX XXXX, neither institution has given substantive responses, and crucial requests ( like loan payoffs ) remain unanswered. \n- Robinhood, my brokerage, alerted me that my account had been depleted to {$0.00} and noted an attempt to transfer {$9000.00} to an unknown bank. When I contacted Robinhood support, an agent restored my account balance and claimed the money \" never actually left. '' However, I possess an email stating otherwise. Immediately after this resolution, Robinhood notified me that my account would be closed without any reasonable explanation or further detail. \n- These unresolved and conflicting financial events have left me deeply XXXX, unable to sleep, and uncertain about the security of my digital and financial life. \n\n* * Requested Investigations and Relief * * I respectfully request that your offices investigate the following : - The chain of events leading to the creation and use of fraudulent bank accounts in my name, with specific focus on XXXX XXXX XXXXXXXX XXXX and their apparent lack of response to my direct inquiries. \n- The actions ( or inactions ) of XXXX XXXX after sensitive personally identifying information, including my Social Security card, was requested and provided, and all subsequent suspicious activity. \n- Robinhoods mishandling of my account, unexplained account closure, management of my funds, and failure to provide a transparent account of the attempted transfer and the steps taken to restore my balance. \n- The possibility of coordination or gaps in controls among these institutions that have enabled or prolonged my victimization. \n\nA copy of the acknowledgment from XXXX XXXX, details of my communication with Robinhood, and relevant correspondence can be provided. I am seeking assurance that all relevant agencies will look into these institutions and take action to protect my identity, restore proper contact from these firms, and provide me with clear, timely explanations of what happenedand how it will be prevented in the future. \n\nThank you for your prompt attention to this urgent matter. \n\nSincerely XXXX XXXX","date_sent_to_company":"2025-11-12T23:00:31.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"20706","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"17185632","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2025-11-12T22:49:07.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["* * Requested <em>Investigations</em> and Relief * * I respectfully request that your offices <em>investigate</em> the following : - The chain of events leading to the creation and use of fraudulent bank accounts in my name, with <em>specific</em> focus on XXXX XXXX XXXXXXXX XXXX and their apparent lack of response to my direct inquiries."]},"sort":[12.382619,"17185632"]},{"_index":"complaint-public-v1","_id":"8384421","_score":12.027816,"_source":{"product":"Credit card","complaint_what_happened":"To whom it may concern, I have a XXXX Synchrony bank credit card. On XX/XX/XXXX of last year XXXX. It occurred to me something was very wrong when I called the automated service to make an extra payment and my balance was higher than the payment, I had just made about a week prior. I spoke to a customer service representative who seemed to care and after finding more than XXXX transactions she said we had to stop, and she would explain everything to the fraud department and then connect me so that the fraud person would help. The representative said not to worry you can see here that my use of my card is not extraordinary and is very limited to my local area and specific stores. I did explain I have no recurring payments ; I am a XXXX XXXX so I live in another XXXX XXXX XXXX so for example curtains, garden things, office supplies, technical purchases, camping, exercise, etc. etc. related purchases I would not, do not, and have not made. Another example all of my children are XXXX XXXX XXXX with careers and lives of their own so when the representative mentioned school supplies, she said it was obvious that it was all fraud, and the fraud department will make sure you are not responsible for any of this. Then she found more, and I cried, asking what about the payments I had already made. How could this happen? Will anyone believe Me? I have not even been using my card because as you can see, I was always paying my balances in full, however, my financial situation changed so unable to do that I wanted to pay my card off first, so I stopped using it. She responded, yes you can see that, this is fraud and explained to me that sadly this happens all of the time my payments paid for what I did and that the fraud department would restore my balance give me a new account and open an investigation so that it shouldn't happen again. I said ok and believed. \nThe fraud lady she connected me to, stated the representative was extremely thorough, she said you have nothing to worry about and validated what the representative already told me. She said I would receive an email letter, phone call, or paper letter in 30 to 45 days. Also, I asked how we stop more from happening can you stop my card or something from being able to be used? She said I would receive a new account number and card. I thanked her. I did receive a new card however it didn't take long before I noticed that all of the transactions were on my card once again and I was expected to make a payment.\n\nI called and spoke with another fraud representative and brought this representative up to speed. I then asked why I am seeing all of these charges with a new account and account number. She responded, its us synchrony you will see it during the investigation I asked why am I being charged interest and asked to pay more and more payments. Please help me, I asked. Well, I can temporarily stop that. And this representative did and it was temporary. I kept calling because it took them longer than 45 days the account balances were fluctuating and I was worried, they said they would contact the credit bureaus, yet my credit score went down. \nHowever, I finally received a form to check boxes of what were my purchases and write about briefly when I noticed there was fraud. I did, there was an option to fax however after multiple times with my XXXX store trying to fax. The line was always busy and unable to be faxed. I reached out to them, and the fraud representative said yeah, it's small, one line. Unsure how to respond, I said ok thank you, and informed this fraud representative I would mail it. This representative said she would let them know. Being my worry about the situation was so overwhelming at this point I went to the post office and paid for it to be sent overnight so they would have it the next day. Approximately a few weeks later I received an XXXX  letter with XXXX boxes marked. The first box read a purchase was shipped to my address. The second box read, I authorized, participated, or benefited from the purchase. No details they were denying my entire claim. Leaving me responsible for {$4600.00} once again. \nI called Synchrony Bank requested to speak with a fraud representative and explained to this representative that unless they were referring to the XXXX XXXX, I ordered which was a purchase I marked on the paper they sent me as an authorized transaction. I have no idea what you're talking about or what is going on. I explained that from the beginning I was told that your investigation team would listen to all of my phone calls with you someone would reach out and everything would be resolved. I thought you were going to help me. This is when I requested to be sent by paper mail detailed supporting documentation of the two checked boxes, and their decision. I was told I would receive that within 30 days, and they opened a second investigation, I asked again if, they would stop the payments and interest please, and What about my credit? And I verified the fraud representative knew my request. Response, an investigation is being opened which would take 45 to I think 60 days for results, and I would receive the requested supporting documentation within 30 days.\n\nI have not heard nor received anything, No supporting documentation, no update, or even a decision this time with the 2nd investigation. I finally called again. This time I ask to only speak with a fraud supervisor. Thanking both representatives, I respectfully declined their offer to assist me wanting to only speak with a fraud supervisor. I am holding for quite some time when I hear a man come on and say hello, we are disconnected. I called back and once transferred to the fraud department I explained what happened, even apologized if it were I who accidentally disconnected, and asked if this person could be identified and reconnected with me. This was not possible. I was connected with another supervisor ; her name was XXXX. I briefly brought her up to speed and explained that I had questions and needed help with my account. I informed her that I had no word still, no update, nothing in an email or regular mail, no phone call except for when I called, and the automated system I think called me back after being disconnected earlier at a different time than with the supervisor before her. I informed her I had requested supporting documentation with regards to the first investigation decision and was told I would receive this within 30 days I have not received any supporting documentation, nor have I received any information regarding the second investigation, not an email, call, or letter.\n\nI also informed her that the account was now showing {$1500.00} owed and asked if this was the result of the investigation and is this {$1500.00} found to be the difference and if so then I still need everything I was told I would receive regarding the first investigation and marked boxes decisions that were made and everything I requested and that I was also told I would receive regarding the 2nd investigation and now I would need supporting documentation for this balance, because again, please, I don't owe you any money. my account should be current. This supervisor XXXX just repeated the same response that she would get me over to an investigation representative I think she referred to this person as. Now on hold again. This supervisor XXXX had no interest, concern, or time to give to me to help resolve this long-drawn-out nightmare of fraud, unjust credit hits, and emotional stress. The fraud representative she transferred me to, her name was XXXX. I let her know I was transferred to her and again brought up to speed, asked, and explained. This representative XXXX was short with me and made comments to me such as, I answered your questions already. I replied to her that she had not answered my questions. I asked all of the same questions I asked the supervisor XXXX who transferred me to her, I brought up the same concerns. I, after not receiving any support or being given any direct or specific answers repeated to her, I have not heard anything about the second investigation at all whatsoever. I had not received anything that was going on. Her response a third investigation is being opened. I wanted to know who decided that. I let her know I did not request a third investigation be open, again I had not received or heard anything of the second investigation. I didn't know a decision was made regarding the second investigation and that it was closed, which brought me back to asking about the current balance showing XXXX once again. She just repeated herself regarding a 3rd investigation was opened. I asked for the supporting documentation for the 1st investigation that I was promised would be given to me within 30 days of my request by the representative previously, when can I receive that I asked again for supporting documentation of this balance I asked and repeated it. XXXX stated I would not get that. I repeated the question a few times... so I understand that you are denying me supporting documentation, she said yes all of the times I asked and verified with her. I asked for her last name as well, she responded letting me know they do not give out their last names, she did give me her extension, XXXX. I mentioned politely, however overwhelming, it was my right to receive supporting documentation, and to have information. She denied me and gave the impression she too did not care and anyone could contact her. The answer was No I would not receive supporting documentation she would not tell me anything regarding the first the second, or this sudden unknown third investigation. I spoke with them on XX/XX/XXXX in the afternoon XX/XX/XXXX I received an email dated XX/XX/XXXX that looked the same as the email I received for the first investigation regarding my claim being denied same boxes were checked, but it did not say if it is the decision of the second investigation so it looks to be a copy of the one they already sent me regarding the first investigation that I had and have requested supporting documentation for that originally I was told when I requested this that I would receive these within 30 days. The first email was dated XX/XX/XXXX, this email looks like it is a duplicate of the other just the date changed. \nOverwhelmed with the situation I reached out for guidance from my primary banking institution, appalled by the situation they informed me of a possible unjustified practice some banks do regarding fees associated with a fraud claim. They explained to me although unethical and unjust they may be denying my claim because the fees outweigh the costs, and this could be very well why they do not have any supporting documentation to provide me with. They also mentioned that their repeated reopening of the investigation indicates uncertainty about their decision. \nFrom my understanding, I believe that this, and the denial of my right to supporting documentation is a violation of my consumer financial protection rights. If this company truly believes these are my transactions, why are they not being transparent with their decision? What do they have to hide? Lack of transparency implies they are taking part in unfair, deceptive, or abusive acts against their consumers. They are not protecting me as a consumer, I wonder why their system did not flag all these out-of-state unauthorized transactions. Like other well-established banks, Synchronys system seems to be outdated and unable to provide accurate account information, sending me multiple correspondences indicating different minimum payment amounts, due dates, and balances all in one day. You can not help to feel something just isnt fair or right. \nI hope, I summed everything up well enough. I have never had this happen. I was just XXXX  with an XXXX XXXX XXXX XXXXXXXX and am trying to not feel so overwhelmed and bullied. If you can, will you please help me have them renew my balance, send me something in writing stating my account with them is paid in full and contact all three credit bureaus, if possible, with proof that they have done this as well no more fluctuating balances no more online site showing I owe one amount of a minimum payment, and the automated system informing me I owe a different minimum payment. If you will please, help me help myself. I would like to close this account however I am unable to do so, until this matter is resolved honestly. This is what I intend to do once this is all resolved as I no longer wish to do business with synchrony bank. However, I need help. \nTo ensure that I fully disclose all relevant information, I would like to inform you that I intend to submit this letter to other agencies that may be able to assist me in this situation.","date_sent_to_company":"2024-02-20T21:41:37.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91311","tags":null,"has_narrative":true,"complaint_id":"8384421","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-02-20T20:17:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I, after not receiving any support or being given any direct or <em>specific</em> answers repeated to her, I <em>have</em> not heard anything about the second <em>investigation</em> at all whatsoever. I had not received anything that was going on. Her response a third <em>investigation</em> is being opened. I wanted to know who decided that. I let her know I did not request a third <em>investigation</em> be open, again I had not received or heard anything of the second <em>investigation</em>."]},"sort":[12.027816,"8384421"]},{"_index":"complaint-public-v1","_id":"13029841","_score":11.735428,"_source":{"product":"Credit card","complaint_what_happened":"Discover Complaint-CFPB The credit card issuer has engaged in practices that are in violation of the FCRA ( Fair Credit Reporting Act ). \n\nThe transactions in dispute are related to the transfer of an existing account to a new account number and the issuance of new cards. This transaction failed on XXXX occasions and deprived me of access to the credit line for approximately XXXX month. The credit card companys phone representative asserted that the Fraud Alert contact phone number I provided did not match their records which had no number on record, as the reason for the failed transaction. I asserted that this was impossible because one can not initiate a Fraud Alert with a CRA without providing a contact phone number. The CRAs are in possession of the phone number and I inquired why Discover did not have the same information. The representative speculated that if I recently initiated the Fraud Alert or changed the number recently then it was possible that Discover may not have record of the change. Discover only updates info from the CRAs once per billing cycle and that I may have to wait XXXX or XXXX billing cycles for the Discover data to synchronize to the data available to the CRAs. \n\nI presented to the credit card company in writing documents of XXXX facts : i ) that the initial Fraud Alert was placed XXXX  days before the denial, XXXX ) that the CRA which received the alert notification was sending the alert notifications to the XXXX other major CRAs, and iii ) finally that the CRAs were in possession of the contact number for the Fraud Alert. With these facts presented I requested a non-speculative explanation of why Discover Card Services data was not synchronized XXXX days after the initiation of the Fraud Alert and also to provide the source of the information that formed the basis for the denial. \n\nThe credit card company did not respond to either of these requests for information. The company did however fabricate a dispute of 6 months of merchant transactions and reported such to the CRAs. The result of the credit card companys investigation into its own manufactured dispute was that the transaction details were correct and the account balance was considered valid. These results were reported to the XXXX major CRAs and additionally to the CRA XXXX. The Discover Card company respondents seem to be unaware of the bi-directional nature of the communications between Credit Reporting Agencies and XXXX granting companies. The XXXX granting companies report to the CRAs individual consumer transaction history, credit balances and payments, including adherence to and violations of the terms of agreement. The XXXX granting companies also receive communications from the CRAs containing credit histories from multiple sources and also includes consumer provided personal statements which may include information regarding Fraud Alert contact information. This information may be used by Credit granting company to make decisions on the offer of new credit services or the maintenance of existing credit lines. Identifying the CRAs that information was reported XXXX is not compliant with the requirement to identify the CRAs with whom information was received FROM to make business policy decisions that have an adverse impact on the consumer. \n\nIn spite of the failure to comply with the disclosure requirements and hide the circumstances surrounding the denial of the requested transactions, I believe that I have discovered the actions of the company. I believe that Discover Card Services requested information from XXXX to verify the contact phone number for the Fraud Alert. XXXX is a secondary tier CRA which was not contacted by the consumer to initiate a Fraud Alert on the file that they manage. XXXX is not privy to the compact between the XXXX major CRAs who are required to notify the remaining XXXX CRAs when an initiated Fraud Alert is submitted to either CRA. XXXX had no Fraud Alert on the file that it managed and as a consequence had no Fraud Alert contact number on file. This would explain why the Discover Card Services phone representative would assert that there was no contact number in their data despite the fact that the major CRAs ( who actually had Fraud Alerts on the files they managed ) were in possession of the relevant information for XXXX days. \n\nThe FCRA, 12 CFR Part 1022 ( Regulation V ), Appendix N, Paragraph I.D provides specific guidance for these circumstances. for the establishment of new credit plan and the issuance of additional credit cards. the user must have reasonable policies and procedures in place to form a belief that the user knows the identity of the applicant or contact the consumer at a telephone number specified by the consumer. The policies and procedures employed by Discover Card Services obviously do not satisfy this requirement. The request of verification of Fraud Alert from a CRA that is not party to the Fraud Alert is a design for failure. Compounding this procedural flaw, Discover Card Services failed to adhere to the regulatory guidance to contact the consumer at the consumer provided number for XXXX consecutive denials. On the fifth occasion Discover Card Services did follow this advice and the transaction was completed. \nAdditionally, Discover Card Services hid the identity of the CRA which provided the information that formed the basis for the denial. This violates 12 CFR Part 1022 ( Regulation V ) Appendix N, Paragraph I. C. This violation deprived the consumer the opportunity to cure any defects, omissions or errors in the file of the CRA XXXX","date_sent_to_company":"2025-04-17T01:32:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"20772","tags":"Older American","has_narrative":true,"complaint_id":"13029841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-04-17T01:11:53.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["The company did <em>however</em> fabricate a dispute of 6 months of merchant <em>transactions</em> and reported such to the CRAs. The result of the credit card companys <em>investigation</em> into its own manufactured dispute was that the transaction details were correct and the account <em>balance</em> was considered valid. These results were reported to the XXXX major CRAs and additionally to the CRA XXXX."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"]},"sort":[11.735428,"13029841"]},{"_index":"complaint-public-v1","_id":"8393662","_score":11.708134,"_source":{"product":"Checking or savings account","complaint_what_happened":"In response to the unsatisfactory resolution and dismissive actions of Citibank following the submission of the original complaint, XXXX XXXX XXXX seeks to escalate the matter further to address the severe repercussions arising from the persistent account discrepancies and erroneous fees. The negligence displayed by Citibank, coupled with the lack of support from the Consumer Financial Protection Bureau ( CFPB ), mandates a formal follow-up complaint to demand accountability and restitution for the detrimental impact sustained by the company. \n\nRecap of Original Complaint The original complaint submitted on behalf of XXXX XXXX XXXX highlights the series of distressing events experienced between XXXX and XX/XX/XXXX, wherein the company 's Citibank business checking account was subjected to severe overdrawn balances, erroneous charges, and a cascade of unproductive interactions with Citibank 's customer service and branch staff. Despite extensive evidence and clear indications of systematic errors in balance calculations and transaction processing, Citibank 's inadequate response failed to rectify the situation, pushing XXXX XXXX XXXX to suffer exorbitant financial losses, business disruptions, and substantial personal strain. \n\nSubstantiating Evidence Duplicated Transactions and Miscalculated Balances An important addition to the pending complaint pertains to the provision of specific transactions that were duplicated, corresponding dates, and the inherent association of these transactions with the miscalculated balance discrepancies. Notably, the transactions duplicated during XX/XX/XXXX, as originally provided, offer tangible evidence of the recurring glitches that have inflicted undue financial burdens upon XXXX XXXX XXXX. These transactions, as detailed in the original complaint, manifest a pattern of discrepancies and inaccuracies that directly contribute to the unwarranted fees and overdrawn conditions experienced by the company. \n\nXXXX Bank Statement In conjunction with the aforementioned evidence, a comprehensive XXXX bank statement has been furnished to underscore the discrepancy between the posted balances depicted in the submitted screenshots and the actual balance amounts reflected in the official account statement. The compelling variation between the calculated balances and the documented statement affirms the veracity of the disparate figures, further substantiating the contention that Citibank 's response and review failed to acknowledge the gravity of the situation at hand. \n\nDisappointment in Citibank and CFPB The failure of Citibank to address the verifiable errors and discrepancies, despite repeated engagements, signifies a disregard for accountability and fair resolution, constituting a breach of trust and duty owed to XXXX XXXX XXXX. Furthermore, the lack of robust intervention from the Consumer Financial Protection Bureau underscores a critical oversight in enabling Citibank 's injurious actions, presenting a disconcerting deficiency in safeguarding the interests of affected consumers. \n\nDemand for Accountability and Restitution In light of the foregoing, XXXX XXXX XXXX beseeches the Consumer Financial Protection Bureau to fulfill its mandate by conducting a thorough and transparent investigation into the protracted account discrepancies, erroneous charges, and the pervasive impact on the business and personal well-being of the company 's principal. The demand for accountability extends to Citibank, necessitating substantive rectification, credible explanations for the identified errors, restitution for unwarranted fees, and comprehensive preventive measures to avert future recurrences of similar deleterious conduct by the financial institution. \n\nConclusion The amplification of evidence and expression of profound dissatisfaction with Citibank 's handling of the recurring account discrepancies and the lack of robust support from the Consumer Financial Protection Bureau reinforce the critical imperative for meaningful redress and restitution. In pursuit of equitable resolution and fair treatment, XXXX XXXX XXXX remains resolute in seeking the due accountability of Citibank and the proactive intervention of the Consumer Financial Protection Bureau to rectify the protracted distress and hardships inflicted upon the company. \n\n-- - The follow-up complaint echoes the profound discontent and frustration experienced due to Citibank 's dismissive response and the lack of robust intervention from the Consumer Financial Protection Bureau in adequately addressing the detrimental repercussions arising from the persistent account discrepancies and erroneous fees. It underscores the imperative for meaningful redress, accountability, and restitution for XXXX XXXX XXXX. \nOriginal Complaint : On or around XX/XX/XXXX, I was XXXX XXXX XXXX for a work related trip. I had used my card Citibank bank card attached to my XXXX business checking account for my accounting, tax and consulting company XXXX XXXX XXXX. When I woke up the next morning, the account was all of a sudden severely overdrawn. I noticed that the running balance of posted transactions was way off and had gaps in it even when the transactions were already posted. I had to call customer service 4 times and finally I was then connected with tech support who acknowledged that there was a glitch and some transactiions were being double counted and I was advised to let the balances clear and it would all straighten out. I did do that but had to call back to get a bunch of the overdraft fees cleared out. However, this problem kept happening. I really did not have a chance to delve into my account every day by mid XXXX, when I was almost certain I had plenty of funds, again I was overdraft. In XXXX things snowballed out of control only because the erroneously assessed fees were then putting me into an actual overdraft state. Between XXXX and XXXX alone I was charged more than {$3100.00}. This is ridiculous. I have spent literally more than XXXX hours on the phone with customer service and about XXXX hours in branches. The customer service phone people first tried to tell me originally that these were not Citibank fees. Then they said they were. Then I was told that the fees would have to be reversed at the branch level. I went to XXXX branch and was told they would look into it, then was told to go to the branch I opened the account in but the banker assigned ot me was out of town. Another nearby branch manager went to take a look but then she was going out of town so she had a business banker go on the phone with me with customer service. I literally on that phone call spent XXXX min asking for an explanation of just XXXX overdraft charge that was assessed on XX/XX/XXXX ( By this point I have noticed fees were being assessed throughout the whole year when as one can see from the balances on the statements, is just not possible ) and after being threatened that my account would be closed if I left it overdrawn ( it was about {$1500.00} that day ), I still had no answer on just XXXX transaction. Conveniently the customer services computer system didnt go back that far for her to be able to see. I have been told twice at the branch level that the fees are accurate and there is nothing they can do until I then demonstrated not only did I have screenshots that clearly shows the running balance is not being calculated properly, but I also showed them the notices I was sent by mail stating that on XX/XX/XXXX for example the available balance at the beginning of the day was {$100.00}, but on this day in particular, I had take a client and my assistant out to a nice lunch, my assistant and I had a drink at the bar after our client left, and I filed articles of organization and paid the filing fee for a new client that day. I would not have been able to use my card had that been the available balance. The other example is that the notices say my available balance at the start of a day is- {$480.00}. At the end of the day it was - {$1500.00}. But the notice for the very next day states that my available balance for that day started at {$120.00}. But there are no transactions whatsoever that could explain how {$1700.00} all of sudden becoming available when nothing had been deposited for a few days in that account so therefore nothing was waiting to clear. Citibank is now conducting another investigation after I stated I would take this to court if need be. I feel like Citibank is caring ore about not wanting to admit fault, not wanting to credit anything, and wanting me to shut up. This has devestated my business and has had some serious implications on me personally.","date_sent_to_company":"2024-02-21T19:33:36.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"60654","tags":null,"has_narrative":true,"complaint_id":"8393662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-02-21T19:11:25.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["Substantiating Evidence Duplicated <em>Transactions</em> and Miscalculated <em>Balances</em> An important addition to the pending complaint pertains to the provision of <em>specific</em> <em>transactions</em> that were duplicated, corresponding dates, and the inherent association of these <em>transactions</em> with the 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