{"took":116,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":84,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11742875","_score":21.874123,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute on XX/XX/year> on XXXX, XXXX XXXX  XXXX  due to a problem with the company 's investigation into an existing problem. The investigation did not fix the error on my report. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.","date_sent_to_company":"2025-01-25T01:31:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21043","tags":null,"has_narrative":true,"complaint_id":"11742875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-25T00:48:20.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I filed a dispute on XX/XX/year> on XXXX, XXXX XXXX  XXXX  due to a <em>problem</em> with the company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. The <em>investigation</em> did not fix the error on my report. Experian denied to follow up with the <em>investigation</em>. I recently was <em>notified</em> that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to <em>notify</em> consumer dispute <em>results</em>. This aligns well with my situation."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[21.874123,"11742875"]},{"_index":"complaint-public-v1","_id":"12497429","_score":21.592756,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute on account XXXX XXXX XXXX  XXXX and account XXXX XXXX XXXX due to a problem with the company investigating the existing situation. Did not fix the problem. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I'm requesting these derogatory remarks be removed or corrected immediately as it's affecting my chances of getting a house, a car etc. Experian violates my rights as a consumer, as well as federal laws.","date_sent_to_company":"2025-03-16T00:47:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"12497429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-16T00:16:15.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I filed a dispute on account XXXX XXXX XXXX  XXXX and account XXXX XXXX XXXX due to a <em>problem</em> with the company <em>investigating</em> the <em>existing</em> situation. Did not fix the <em>problem</em>. Experian denied to follow up with the <em>investigation</em>. I recently was <em>notified</em> that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to <em>notify</em> consumer dispute <em>results</em>. This aligns well with my situation."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[21.592756,"12497429"]},{"_index":"complaint-public-v1","_id":"11776008","_score":20.347115,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute on XXXX, XXXX & XXXX XXXX due to problem with the companies Experian and XXXX investigating XXXX my existing problem and denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ) ( XXXX ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results. After disputing multiple times I got a remark that brought my XXXX down to the XXXX and the remark stated Account closed at credit grantor 's request and still haven't see improvement. i work extremely hard for it to be tampered with. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates","date_sent_to_company":"2025-01-26T23:59:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"11776008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-26T23:59:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I filed a dispute on XXXX, XXXX & XXXX XXXX due to <em>problem</em> with the companies Experian and XXXX <em>investigating</em> XXXX my <em>existing</em> <em>problem</em> and denied to follow up with the <em>investigation</em>. I recently was <em>notified</em> that CFPB has filed a lawsuit against the company ( experian ) ( XXXX ) They alleged the company of accepting unreliable information, failure to <em>notify</em> consumer dispute <em>results</em>."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.347115,"11776008"]},{"_index":"complaint-public-v1","_id":"11776009","_score":20.323349,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute on XXXX, XXXX & XXXX XXXX due to problem with the companies XXXX and transunion investigating into my existing problem and denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ) ( transunion ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results. After disputing multiple times I got a remark that brought my XXXX down to the XXXX and the remark stated Account closed at credit grantor 's request and still haven't see improvement. i work extremely hard for it to be tampered with. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates","date_sent_to_company":"2025-01-26T23:59:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"11776009","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-26T23:59:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I filed a dispute on XXXX, XXXX & XXXX XXXX due to <em>problem</em> with the companies XXXX and transunion <em>investigating</em> into my <em>existing</em> <em>problem</em> and denied to follow up with the <em>investigation</em>. I recently was <em>notified</em> that CFPB has filed a lawsuit against the company ( experian ) ( transunion ) They alleged the company of accepting unreliable information, failure to <em>notify</em> consumer dispute <em>results</em>."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.323349,"11776009"]},{"_index":"complaint-public-v1","_id":"11774408","_score":19.947897,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute on XXXX, XXXX XXXX XXXX XXXX due to problem with the companies XXXXXXXX XXXX XXXX investigating into my existing problem and denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX XXXX XXXX  ( XXXX ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results. After disputing multiple times I got a remark that brought my XXXX XXXX XXXX XXXX XXXX  and the remark stated Account closed at credit grantor 's request and still haven't see improvement. i work extremely hard for it to be tampered with. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates","date_sent_to_company":"2025-01-26T23:59:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"11774408","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-26T23:24:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I filed a dispute on XXXX, XXXX XXXX XXXX XXXX due to <em>problem</em> with the companies XXXXXXXX XXXX XXXX <em>investigating</em> into my <em>existing</em> <em>problem</em> and denied to follow up with the <em>investigation</em>. I recently was <em>notified</em> that CFPB has filed a lawsuit against the company XXXX XXXX XXXX  ( XXXX ) They alleged the company of accepting unreliable information, failure to <em>notify</em> consumer dispute <em>results</em>."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.947897,"11774408"]},{"_index":"complaint-public-v1","_id":"11002279","_score":19.664083,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of XXXX, XXXX, and TransUnion to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/year>, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe.\n\nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within 5 business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided. \nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \n\nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nEmotional Distress : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant emotional distress and mental anguish. \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-03T02:50:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002279","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-03T02:50:05.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Violations of the FCRA and CFPA Failure to <em>Investigate</em> and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must <em>investigate</em> disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe.\n\nFailure to Provide Notification of <em>Investigation</em> <em>Results</em> Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must <em>notify</em> consumers of the <em>results</em> of <em>investigations</em> within 5 business days. I have not received any such notifications."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[19.664083,"11002279"]},{"_index":"complaint-public-v1","_id":"11002283","_score":19.647215,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of Experian, XXXX, and XXXX to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/year>, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe. \nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within XXXX business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided. \nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \n\nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nXXXX XXXX : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant XXXX XXXX XXXX XXXX XXXX \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-12T12:56:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-03T02:46:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Violations of the FCRA and CFPA Failure to <em>Investigate</em> and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must <em>investigate</em> disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe. \nFailure to Provide Notification of <em>Investigation</em> <em>Results</em> Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must <em>notify</em> consumers of the <em>results</em> of <em>investigations</em> within XXXX business days. I have not received any such notifications."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[19.647215,"11002283"]},{"_index":"complaint-public-v1","_id":"11002238","_score":19.647215,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of Experian, XXXX, and XXXX to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/2024, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe. \nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within 5 business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided.\n\nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nEmotional Distress : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant emotional distress and XXXX XXXX. \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-03T02:53:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-03T02:51:29.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Violations of the FCRA and CFPA Failure to <em>Investigate</em> and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must <em>investigate</em> disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe. \nFailure to Provide Notification of <em>Investigation</em> <em>Results</em> Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must <em>notify</em> consumers of the <em>results</em> of <em>investigations</em> within 5 business days. I have not received any such notifications."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[19.647215,"11002238"]},{"_index":"complaint-public-v1","_id":"11003332","_score":19.644297,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of XXXX, Equifax, and XXXX to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/year>, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints Equifax Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nXXXX Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nXXXX  Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' XXXX, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe.\n\nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within 5 business days. I have not received any such notifications.\n\nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided. \nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits.\n\nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nEmotional Distress : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant emotional distress and mental anguish. \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-03T02:50:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11003332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-03T02:50:05.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Violations of the FCRA and CFPA Failure to <em>Investigate</em> and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must <em>investigate</em> disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe.\n\nFailure to Provide Notification of <em>Investigation</em> <em>Results</em> Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must <em>notify</em> consumers of the <em>results</em> of <em>investigations</em> within 5 business days. I have not received any such notifications."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[19.644297,"11003332"]},{"_index":"complaint-public-v1","_id":"3855115","_score":16.550539,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is in reference to a problem with Transunion Credit Bureau 's investigation into an existing problem. To explain, upon request for free copies of all three credit reports via XXXX  XXXX XXXX, I discovered an account with an adverse history previously reported by XXXX XXXX  did appear on more than one of the reports. Thus, XX/XX/XXXX via certified mail, I notified Transunion, XXXX, and XXXX  Consumer Reporting Agencies regarding an item reported by creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Because the first delinquency reported by XXXX occurred seven years ( 7 ) years prior, more specifically, XX/XX/XXXX, I did provide a copy of a previous Transunion Credit report dated XX/XX/XXXX, and a previous XXXX  report dated XX/XX/XXXX which verifies my claim that the first delinquency reported by XXXX was in fact XX/XX/XXXX as noted on both credit reports. Therefore, I requested that the account be deleted per the statute of limitations. On the positive side, an investigation was conducted by Transunion, XXXX, and XXXX  and the results were mailed to me. Notably, XXXX  and XXXX  Credit Bureaus deleted the item ; however, on the negative side, Transunion did not remove the item. Moreover, Transunion verified the item as accurate. In addition, the report shows that the account will remain on my Transunion file until XX/XX/XXXX.","date_sent_to_company":"2020-09-23T19:55:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"195XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3855115","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-09-18T07:12:34.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This complaint is in reference to a <em>problem</em> with Transunion Credit Bureau 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. To explain, upon request for free copies of all three credit reports via XXXX  XXXX XXXX, I discovered an account with an adverse history previously reported by XXXX XXXX  did appear on more than one of the reports."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.550539,"3855115"]},{"_index":"complaint-public-v1","_id":"6728486","_score":16.44171,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXXXXXX CAPITAL ONE XXXXXXXX, XXXX 's XXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''.","date_sent_to_company":"2023-03-21T17:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"6728486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-21T17:52:57.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX, XXXX AND XXXX has violated so many laws, the <em>investigation</em> <em>results</em> and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not <em>notified</em> about the <em>investigation</em> as well as the <em>results</em> so I'm not even sure whether or not they did the <em>investigation</em>."]},"sort":[16.44171,"6728486"]},{"_index":"complaint-public-v1","_id":"6728499","_score":16.41521,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * 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 NORDSTROM XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''.","date_sent_to_company":"2023-03-21T17:52:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"6728499","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2023-03-21T17:08:08.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX, XXXX AND XXXX has violated so many laws, the <em>investigation</em> <em>results</em> and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not <em>notified</em> about the <em>investigation</em> as well as the <em>results</em> so I'm not even sure whether or not they did the <em>investigation</em>."]},"sort":[16.41521,"6728499"]},{"_index":"complaint-public-v1","_id":"6728064","_score":16.40194,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''.","date_sent_to_company":"2023-03-21T17:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"6728064","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-03-21T17:52:57.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX, XXXX AND XXXX has violated so many laws, the <em>investigation</em> <em>results</em> and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not <em>notified</em> about the <em>investigation</em> as well as the <em>results</em> so I'm not even sure whether or not they did the <em>investigation</em>."]},"sort":[16.40194,"6728064"]},{"_index":"complaint-public-v1","_id":"9640541","_score":15.938675,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : : CFPB Case XXXX XXXXXXXX I spoke with the United States Bankruptcy Court District of Utah Court XXXX XXXX XXXX United States CourtHouse XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX court clerk XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> and verified this is incorrect delete this ASAP! \n\nI have been telling you this since XXXX. I do not recognize the following inaccurate info. \nBankruptcy Records XXXX XXXX The bankruptcy status is inaccurate. \nBankruptcy Filing Number- This is incorrect delete this ASAP Bankruptcy Court Details- This is incorrect delete this ASAP Filing Details- This is incorrect delete this ASAP Trustee Name- This is incorrect delete this ASAP Assets Available - This is incorrect delete this ASAP To Whom It May Concern : Thank you for helping me get some of the accounts that incorrectly appeared on my credit report deleted. However, I still dispute the remaining items. These are still being reported inaccurately and are extremely damaging to my credit. \n\nAs stated in my last dispute, the filing number, court details, fililing details, trustee name & asset are INNACCURATE. \n\nI let the company know and they only verified my name, address and social security number matched the records. They still did not VERIFY OR DELETE THIS INNACCURATE INFO. \nI am still having a problem with a company 's investigation into an existing problem. \nI was not notified of investigation status or results account status incorrect. \nI have tried to fix this with the company. \nI requested information from the company I did not recieve the information company failed to provide. \n\n\nXXXX XXXX","date_sent_to_company":"2024-08-01T14:33:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9640541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-07-27T18:03:45.000Z","state":"UT","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I am still having a <em>problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. \nI was not <em>notified</em> of <em>investigation</em> status or <em>results</em> account status incorrect. \nI have tried to fix this with the company. \nI requested information from the company I did not recieve the information company failed to provide. \n\n\nXXXX XXXX"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Was not <em>notified</em> of <em>investigation</em> status or <em>results</em>"]},"sort":[15.938675,"9640541"]},{"_index":"complaint-public-v1","_id":"14927224","_score":15.250005,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed XXXX separate complaints with the CFPB against TransUnion for reporting inaccurate or unverifiable credit data and failing to conduct adequate investigations : Complaint # XXXX \" Incorrect information on your report '' XX/XX/XXXX Complaint # XXXX \" Problem with a companys investigation into an existing problem '' XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX \" Incorrect information on your report '' XX/XX/XXXX Each case was officially marked Closed with explanation, but none resulted in correction or removal of the disputed items : Missing hard inquiries since XX/XX/XXXX Incorrect late payment notations on multiple accounts ( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Duplicate XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, balance, status ) Credited utilization reported at XXXX XXXX which is mathematically impossible An XXXX account reported as XXXX despite being under forbearance ( protected under FCRA and CARES Act XXXX In all instances, TransUnion confirmed they investigated XXXX disputes and contacted furnishers but failed to explain why none of my detailed documentation was considered sufficient, and whether any disputes were deemed frivolous, as required under 15 U.S.C. 1681i ( b ) ( 1 ).\n\nDespite providing clear and documented evidenceincluding account statements, utilization calculations, forbearance status letters, and screenshotsTransUnion did not correct a single item, nor notify me of any frivolous dispute determination.","date_sent_to_company":"2025-07-28T18:38:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"00678","tags":null,"has_narrative":true,"complaint_id":"14927224","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-28T18:32:19.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I filed XXXX separate complaints with the CFPB against TransUnion for reporting inaccurate or unverifiable credit data and failing to conduct adequate <em>investigations</em> : Complaint # XXXX \" Incorrect information on your report '' XX/XX/XXXX Complaint # XXXX \" <em>Problem</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> '' XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint #"]},"sort":[15.250005,"14927224"]},{"_index":"complaint-public-v1","_id":"11271177","_score":13.425135,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I found that fraudulently opened credit card accounts that were previously deleted were re-added to my Transunion credit report. Before this, I had submitted a complaint to Transunion regarding this issue, along with supporting documentation, and Transunion removed the fraudulent account ( CFPB XXXX. XXXX ). After XXXX XXXX responded, I submitted additional information to Transunion ( CFPB XXXX. XXXX ), including a police report, proof of identity, and a host of other things to prove that the account was fraudulently opened to stop the account from being re-added. Still, Transunion never took this information seriously, resulting in the account being re-added. The practice may have violated the relevant provisions of the FCRA ( 1681e ( b ) ).\n\nI want to reiterate the following : As a victim of identity theft, I would like to submit additional supporting documentation to credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) I have made. It is the result of identity theft : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX consumption and late payment Account Number : XXXX In XXXX XXXX XXXX XXXX XXXX to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : XXXX. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster. 2. The XXXX XXXX  XXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history. \n\nI will attach Transunion 's findings in CFPB XXXX. XXXX indicating that the agency has removed the account from the credit report before. In the meantime, I will again attach the police report, state ID, FTC Identity Theft Report, bank statement for proof of current address, and original SSN and address history for 2 years as supporting documentation.","date_sent_to_company":"2024-12-24T00:41:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11271177","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-24T00:03:54.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Still, Transunion never took this information seriously, <em>resulting</em> in the account being re-added. The practice may have violated the relevant provisions of the FCRA ( 1681e ( b ) ).\n\nI want to reiterate the following : As a victim of identity theft, I would like to submit additional supporting documentation to credit bureaus for an <em>existing</em> credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous <em>investigation</em>."]},"sort":[13.425135,"11271177"]},{"_index":"complaint-public-v1","_id":"10972995","_score":13.019576,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As a victim of identity theft, I would like to submit additional supporting documentation to the XXXX credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. \n\nThe information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft : XXXX XXXXXXXX XXXX XXXX  XXXX fraudulent consumption and late payment Account Number : XXXX In XXXX XXXX XXXXXXXX XXXX XXXX to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : 1. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster. \n\nXXXX XXXX XXXX XXXX XXXXXXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history. \n\nI have contacted XXXX and submitted additional support documentation using experian.com/upload, which involves a Report Number of XXXX, but I am unable to get a confirmation of the submission on my account home page. \n\nFor Equifax, I noticed XXXX Confirmation numbers : XXXX, as of XXXX XXXX, both show as completed. \n\nFor XXXX, I have not looked up any disputed records in the account, but the account and Late payment records currently involved have been removed from the credit report. CFPB complaint ID : XXXX. \n\nEnclosed are the following Supporting Documents : A copy of the Police Report. \nA copy of my identity document ( a bank statement with a physical residence address is commonly used as proof of identity because the address on the driver 's license is no longer valid ). \nA copy of the FTC Identity Theft Report. \nA copy of the Identity Theft letter. \n\nThe credit bureau should exercise independent judgment and not rely solely on information provided by the bank. The additional supporting documentation is sufficient to demonstrate the facts.","date_sent_to_company":"2024-11-29T05:42:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10972995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-29T04:27:09.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["It is the <em>result</em> of identity theft : XXXX XXXXXXXX XXXX XXXX  XXXX fraudulent consumption and late payment Account Number : XXXX In XXXX XXXX XXXXXXXX XXXX XXXX to the CFPB complaint, the bank asserted that the customer was responsible for the account and had <em>notified</em> the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following <em>problems</em> : 1."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[13.019576,"10972995"]},{"_index":"complaint-public-v1","_id":"10974722","_score":13.0014715,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As a victim of identity theft, I would like to submit additional supporting documentation to the XXXX credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. \n\nThe information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft : XXXX XXXX XXXX XXXX : fraudulent consumption and late payment Account Number : XXXX In XXXX XXXX XXXX XXXX response to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : 1. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster.\n\n2. The XXXX XXXX XXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history. \n\nI have contacted XXXX and submitted additional support documentation using XXXX, which involves a Report XXXX of XXXX, but I am unable to get a confirmation of the submission on my account home page. \n\nFor XXXX, I noticed 2 Confirmation numbers : XXXX, as of XXXX XXXX, both show as completed.\n\nFor Transunion, I have not looked up any disputed records in the account, but the account and Late payment records currently involved have been removed from the credit report. CFPB complaint ID : XXXX. \n\nEnclosed are the following Supporting Documents : A copy of the Police Report.\n\nA copy of my identity document ( a bank statement with a physical residence address is commonly used as proof of identity because the address on the driver 's license is no longer valid ).\n\nA copy of the FTC Identity Theft Report.\n\nA copy of the Identity Theft letter.\n\nThe credit bureau should exercise independent judgment and not rely solely on information provided by the bank. The additional supporting documentation is sufficient to demonstrate the facts.","date_sent_to_company":"2024-11-29T05:42:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10974722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-29T05:42:09.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["It is the <em>result</em> of identity theft : XXXX XXXX XXXX XXXX : fraudulent consumption and late payment Account Number : XXXX In XXXX XXXX XXXX XXXX response to the CFPB complaint, the bank asserted that the customer was responsible for the account and had <em>notified</em> the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following <em>problems</em> : 1."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[13.0014715,"10974722"]},{"_index":"complaint-public-v1","_id":"10974721","_score":13.00046,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As a victim of identity theft, I would like to submit additional supporting documentation to the XXXX credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. \n\nThe information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft : XXXX XXXX XXXX XXXX : fraudulent consumption and late payment Account Number : XXXX In XXXX XXXX XXXX XXXX response to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : 1. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster. \n\n2. The XXXX XXXX XXXX  never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history.\n\nI have contacted Experian and submitted additional support documentation using experian.com/upload, which involves a Report Number of XXXX, but I am unable to get a confirmation of the submission on my account home page. \n\nFor XXXX, I noticed 2 Confirmation numbers : XXXX, as of XXXX XXXX, both show as completed. \n\nFor XXXX, I have not looked up any disputed records in the account, but the account and Late payment records currently involved have been removed from the credit report. CFPB complaint ID : XXXX. \n\nEnclosed are the following Supporting Documents : A copy of the Police Report.\n\nA copy of my identity document ( a bank statement with a physical residence address is commonly used as proof of identity because the address on the driver 's license is no longer valid ).\n\nA copy of the FTC Identity Theft Report.\n\nA copy of the Identity Theft letter.\n\nThe credit bureau should exercise independent judgment and not rely solely on information provided by the bank. The additional supporting documentation is sufficient to demonstrate the facts.","date_sent_to_company":"2024-11-29T05:42:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10974721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-29T05:42:09.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["It is the <em>result</em> of identity theft : XXXX XXXX XXXX XXXX : fraudulent consumption and late payment Account Number : XXXX In XXXX XXXX XXXX XXXX response to the CFPB complaint, the bank asserted that the customer was responsible for the account and had <em>notified</em> the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following <em>problems</em> : 1."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[13.00046,"10974721"]},{"_index":"complaint-public-v1","_id":"14362290","_score":12.80986,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TRANS UNIONDue to the recent class Action lawsuit filed against TransUnion on XX/XX/XXXX. I insist you conduct an investigation as you are required by the FCRA Law. Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. You have failed tremendously not taking my letters and documents information seriously. I have been trying to solve this issue for a year now you have not shown me any documents in how you investigated the items in questioned. I have prove to you all violations in my consumer credit report. I have now been in the position in taking further legal steps locally at my county courthouse if there is no cooperation within the 30 days. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY This is a clear violation of the FCRA as this is not accurate or complete. I am writing to formally dispute the account listed by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed my records after receiving an updated report from TransUnion. Problem with the company 's investigation into an existing problem not verified correctly. \nAccording to the records I the consumer has disputed and has disagreed for some time now and nothing has been done to correct the matter.\n\nI provided a brief explanation of why I believe the debt is incorrect some reasons include : The amount was paid in full/never a charge off. I own the pink slip. all three credit bureaus are reporting different information. payments are showing unknown/never late so how could it be a charge off. account status derogatory and paid.\n\nThe account is beyond the statute of limitations ( 9yrs ) TransUnion are extending the years. account closed showing different dates. last payment made shows different dates. not showing all the years paid since XXXX. The results have not been resolved to be accurate. I can't believe that I'm still pointing out the same issues and it has not been updated to be accurate, fair and complete. This is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Failure to properly investigate consumer disputes, citing \" sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate reports. I am deeply concerned that my dispute may be mishandled in a similar manner. Please review the inaccurate information and violations being reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. \nUnder the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. Provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal of this information from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with appropriate agencies. Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. \nXXXX XXXX","date_sent_to_company":"2025-06-29T03:01:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91709","tags":null,"has_narrative":true,"complaint_id":"14362290","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-29T01:51:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["<em>Problem</em> with the company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> not verified correctly. \nAccording to the records I the consumer has disputed and has disagreed for some time now and nothing has been done to correct the matter.\n\nI provided a brief explanation of why I believe the debt is incorrect some reasons include : The amount was paid in full/never a charge off."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[12.80986,"14362290"]},{"_index":"complaint-public-v1","_id":"13522987","_score":12.16875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 Dear Sir or Madam, I am writing to formally dispute certain information on my credit report that I believe is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2, I am requesting that the following fraudulent information be blocked from my credit report : Creditor Name : XXXX # XXXX. I did not open this account, authorize its opening, or engage in any transactions related to it. Therefore, I assert that this information is not related to any transaction I have made. In accordance with 15 U.S.C. 1681c2 ( a ), I am providing the following documents to support my request : 1. Proof of Identity : [ e.g., Copy of Driver 's License, Utility Bill ] 2. Identity Theft Report : [ e.g., Police Report, FTC Identity Theft Report ] 3. Statement : I affirm that the above-mentioned information is not related to any transaction I have made. Please block the fraudulent information from my credit report within XXXX business days of receiving this request, as stipulated by the FCRA. Additionally, please notify the furnisher of this information that it XXXX be the result of identity theft, that an identity theft report has been filed, and that a block has been requested, including the effective dates of the block, as required under 15 U.S.C. 1681c2 ( b ). I appreciate your prompt attention to this matter and request written confirmation once the fraudulent information has been blocked. Sincerely, XXXX XXXX Enclosures :","date_sent_to_company":"2025-05-15T15:14:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30022","tags":null,"has_narrative":true,"complaint_id":"13522987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-15T14:42:35.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[12.16875,"13522987"]},{"_index":"complaint-public-v1","_id":"21143080","_score":11.421349,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting a complaint regarding an unresolved issue with rewards associated with my Best Buy credit card account issued by Citibank. \n\nThis issue has been present since I originally opened the account, however I did not begin actively investigating or reporting the problem until XX/XX/scrub> 2026, when I noticed that rewards tied to my credit card purchases were not tracking or posting correctly. \n\nWhen accessing the rewards section through Citis system, I consistently receive a system error, and no rewards are being accrued despite eligible purchases being made. \n\nThe issue was first formally raised around XX/XX/scrub> 2026, when I contacted customer support after confirming that rewards were not being applied. Since then, I have spent over XXXXXX/XX/XXXXacross multiple phone calls and chats attempting to resolve this issue. \n\nDuring this time : Multiple cases were opened and escalated ( including case IDs XXXX, XXXX, and XXXX ). \nCases were repeatedly misrouted to incorrect departments and denied without resolution. \nI was not notified when cases were denied, requiring repeated follow-up and restarting the process. \nI was incorrectly informed multiple times that my account was not properly linked, despite confirming and relinking it during multiple interactions. \n\nAt least XXXX representative indicated that the issue may involve a stuck or incorrect membership profile or internal system mismatch affecting how rewards are tracked. However, no confirmed root cause or resolution has been provided. \n\nOn XX/XX/year>2026, I was told the issue would be escalated to the appropriate internal department with an expected resolution timeframe of XXXXXX/XX/XXXX. No resolution occurred, and the issue persists. \n\nAs of my most recent interactions, I have not been provided with a viable solution. I was informed that creating a new account may be an option, but that any existing or missing rewards would not be restored. This would result in the loss of rewards earned through credit card usage due to a system issue outside of my control. \n\nI have made multiple good-faith attempts to resolve this issue through standard customer service channels. Despite this, rewards tied to my credit card account remain inaccessible due to what appears to be an internal system failure that has existed since account opening. \n\nThis issue directly impacts the benefits associated with my credit card account and represents a failure to deliver advertised rewards tied to eligible purchases.","date_sent_to_company":"2026-04-10T20:40:24.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"21143080","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-10T20:33:47.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["I was informed that creating a new account may be an option, but that any <em>existing</em> or missing rewards would not be restored. This would <em>result</em> in the loss of rewards earned through credit card usage due to a system issue outside of my control. \n\nI have made multiple good-faith attempts to resolve this issue through standard customer service channels."],"sub_issue":["<em>Problem</em> with rewards from credit card"]},"sort":[11.421349,"21143080"]},{"_index":"complaint-public-v1","_id":"17841682","_score":11.4076,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am a merchant using Square Point of Sale. Squares system displayed multiple customer card payments as Completed on my Square app at the time of sale, but laterwithout any notificationthese same transactions appeared as Declined/Denied on my online Square Dashboard.\n\nThis resulted in financial losses and created serious discrepancies in my records. Squares system never informed me of the later declines, even though the transactions appeared completed and were included in my daily settlement totals.\n\nI contacted Square support and requested the following specific information : 1. Confirmation of whether Offline Mode was ever enabled on my account, including date and time it was activated, device activation source, and proof that I, not the system, turned it on.\n\nSquare could not provide this information.\n\nI never enabled Offline Mode, and I did not even fully understand the feature until the representative explained it. My device ( laptop ) is always in my office, connected to WiFi, as is my Square reader. I therefore could not have been offline.\n\n2. Explanation of why my Square app showed a payment as completed, while the Dashboard later showed it as declined.\n\nSquare did not provide a technical explanation for this discrepancy.\n\n3. Clarification of processing fees, including whether fees were initially deducted when the transaction appeared completed, and whether any fees were later refunded once the transaction showed as declined. Square did not provide this information.\n\nI also reported that the first Square representative hung up on me during my call, and that the support manager then closed my case by email stating that there was no further escalation and no one above her to address my issue, despite acknowledging the earlier unprofessional conduct.\n\nSquare acknowledged that my feedback would be sent to their product teams for future improvements, which confirms there is an existing system weaknessspecifically, the lack of notifications when transactions later fail.\n\nTo date, Square has not resolved the problem, has not explained the discrepancies between the app and dashboard, and has not provided the documentation I requested. My records, revenue totals, and settlements were affected by Square showing payments as completed that were later declined with no notice.\n\nI am requesting : a full investigation into Squares failure to notify merchants of delayed declines, a technical explanation of why the completed transactions later became declined, a record of whether Offline Mode was ever enabled on my account, clarification regarding any fees initially taken, and a resolution to prevent further financial harm.\n\nI am willing to provide screenshots and the full email thread if needed.","date_sent_to_company":"2025-11-24T18:44:44.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"26508","tags":null,"has_narrative":true,"complaint_id":"17841682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-11-24T18:30:45.000Z","state":"WV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Square acknowledged that my feedback would be sent to their product teams for future improvements, which confirms there is an <em>existing</em> system weaknessspecifically, the lack of notifications when transactions later fail.\n\nTo date, Square has not resolved the <em>problem</em>, has not explained the discrepancies between the app and dashboard, and has not provided the documentation I requested."],"issue":["Unauthorized transactions or other transaction <em>problem</em>"]},"sort":[11.4076,"17841682"]},{"_index":"complaint-public-v1","_id":"13407147","_score":9.447707,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed a late payment record history reported to the credit bureaus on my account with TD XXXX XXXX XXXX XXXX XXXX . This late payment in XXXX XXXX as more than XXXX late was the direct result of significant changes to TD XXXX XXXX XXXX XXXXXXXX account and XXXX XXXX XXXX, and the impact and details of which were not properly communicated to me as a customer. \nXXXX. In late XX/XX/XXXX, TD XXXX XXXX XXXX XXXX XXXX implemented changes to its payment processing systems, moving from the My Online Account ( XXXX ) system/platform to My TD XXXX  ( XXXX  ). \nXXXX. On XXXX, XXXX I received an email notification that TD Retail cards and my XXXX XXXX  account would be moving to a new system XXXX with a new Logon link to the new system. The email noted : WHATS Next : As we get closer to completing our system upgrade, we will provide any updates or important information by email, on your billing statement and on our Cardholder Resources page. We're working hard to minimize any disruptions and ensure this transition is as seamless as possible. \nNOTE : A copy of this and other email notifications is attached to this letter as supporting documentation. \nXXXX. On XX/XX/XXXX, an email notification was sent to customers informing that : IMPORTANT : The websites you currently use to log into your account XXXX and XXXX will no longer be available after XX/XX/XXXX. \nWHAT YOU NEED TO KNOW : From XX/XX/XXXX through XX/XX/XXXX, online account management will be unavailable. If you have a payment due during this period, please schedule your payment in advance or call XXXX make a one-time payment via our automated system. \nXXXX. There was NO notification that move to the new system would impact existing payment methods and Automatic Payments and require customers to re-register their payment methods and set up automatic payments anew, as well as other account management details such as notification alerts for late/missed payments etc. None of the communications sent me as a customer via email or otherwise, or on the website linked in the email communications provided this significant and important further information on the change. \nXXXX. The Only mention of any payment impact was during the dates of XX/XX/XXXX to XX/XX/XXXX in the XX/XX/XXXX notification email : During which time If you have a payment due during this period, please schedule your payment in advance or call XXXX make a one-time payment via our automated system. \no There was NO mention of other impacts, that existing payment setup and account settings would not be migrated/transferred to the new system and any requirements to re-register for payments including Automatic Payments and account notifications etc. \nXXXX. There was No clear information provided by TD XXXX XXXX XXXX on the details changes and any requirements for customers beyond registering for an account in the new system was provided in these notification emails and communications from TD Retail Card Services and the information page link provided for further details/learn more ( a copy of the website and the email notifications are attached to this letter as supporting evidentiary documentation ). \n\nUnfortunately, as a result of this lack of clear notification of changes by TD XXXX XXXX XXXX and the subsequent failure to re-register my automatic payments in the new system, and notify of a requirement to re-register payment accounts and re-setup Automatic Payments a payment was missed which I was not made aware of until it was more that 30 days past due, leading to a late payment record being reported to the credit bureaus. This has adversely affected my credit score and financial standing.\n\nIn accordance with the Consumer Financial Protection Bureau 's Truth in Lending Act ( Regulation Z ) : 1026.9 - Subsequent Disclosure Requirements, credit card issuers are required to provide timely and clear disclosures about significant changes to account terms, including payment systems. The failure to clearly notify me of these changes and requirements including those that impact payments constitutes a violation of this regulation.\n\nFurther, 1026.10 ( f ) Changes by the card issuer, states credit card issuers are required to notify consumers of significant changes to their systems that affect payment processing. Additionally, if such changes result in a late fee or finance charge, the issuer must waive or remove the fee or charge, or credit the consumer 's account in an amount equal to the fee or charge.\n\nReference 1026.10 ( f ) of the Consumer Financial Protection Bureau 's Truth in Lending Act ( Regulation Z ) : ( f ) Changes by card issuer. If a card issuer makes a material change in the address for receiving payments or procedures for handling payments, and such change causes a material delay in the crediting of a payment to the consumer 's account during the 60-day period following the date on which such change took effect, the card issuer may not impose any late fee or finance charge for a late payment on the credit card account during the 60-day period following the date on which the change took effect.\n\nI have provided copies of the various email notifications from TD XXXX XXXX XXXX XXXX XXXXXXXX and the transition webpage page as supporting documentation of the failure to provide clear disclosure and notification of changes to the account and payment management systems, including failing to notify customers that customers will be required re-register their payment methods and set up automatic payments anew, as well as other account management details such as notification alerts for late/missed payments etc. \nThese communications Stated Only : We're working hard to minimize any disruptions and ensure this transition is as seamless as possible. Without any other required significant information on the impact of the change to payment methods for customers, including Automatic Payments and account management alert settings etc. These significant details should have been provided in accordance with the Truth in Lending Act ( Regulation Z ) : 1026.9 and 1026.10 with at least 45 days notice.\n\nI have NEVER had any payment late 30 days or more in my credit history with ANY account and always been diligent in managing my financial obligations. As a loyal customer, I have always taken great care to ensure timely payments on my account since opening my XXXX XXXXTD XXXXXXXX XXXX account in XX/XX/XXXX I have experienced ongoing issues with Auto Payment processing with the older myonlineaccount.net system that resulted in payments not being properly processed by TD Retail XXXX XXXX as scheduled. This was confirmed on multiple occasions with TD agents with whom I spoke with to understand the issues in the past 18 months, resolve and correct to withdrawal from my TD Bank checking account. Agents helped to both edit and/or remove and re-add the TD Checking account directly on multiple occasions because they could see this was an error on TDs system which had failed to attempt to take the payment from my TD bank account, despite all the details being correct. The last time the agent still could not explain why this had been happening. You will find all these problems and agents assisting to correct the issues on TD Retail Card systems noted on my account history. \n\nI have directly contacted the lender in writing with a letter including these details and supporting documentation. The response received was that they completed their investigation and not changes have been made. There was not information specifically regarding the late payment history record from XXXX and my supporting documentation and statements that they failed to provide proper notification to consumers such as myself of the change impact on payments including automatic payments and account management alerts and that customer need to take important action to re-setup payment accounts and automatic payments to avoid payment issues. They provided no supporting information to demonstrate that they had in fact provided such required detailed information to customers. Attempts to call directly and speak to anyone in the Dispute department results and endless call transfers and told you must mail a dispute. I have not been able to speak with a supervisor or anyone regarding the issue being disputed and why they will not remove the late payment /miss payment history record.","date_sent_to_company":"2025-05-08T22:15:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"13407147","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-05-08T21:24:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["You will find all these <em>problems</em> and agents assisting to correct the issues on TD Retail Card systems noted on my account history. \n\nI have directly contacted the lender in writing with a letter including these details and supporting documentation. The response received was that they completed their <em>investigation</em> and not changes have been made."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[9.447707,"13407147"]},{"_index":"complaint-public-v1","_id":"3522878","_score":9.198402,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a new JP Morgan Chase Personal Savings and Checking account online on Monday, XX/XX/XXXX. I made the initial minimum deposit amounts of {$50.00} into each account to complete the opening. I then did a wire transfer from my XXXX  XXXX XXXX checking account to Chase  in the amount of {$22000.00}. On Friday, XX/XX/XXXX, I attempted to login into my new Chase account online at which time I was notified that my account had been locked due to, \" suspicious activity. '' I was provided a number to call. Upon calling, I was informed by Chase that both my checking and savings accounts were closed. I asked them why and they said it was an internal determination that they could not share with me. I then filed a complaint with their, \" Executive Office '' on XX/XX/XXXX. I did not receive any updates, so I called the Executive Office again on Tuesday, XX/XX/XXXX and left a message. My call was not returned. Then I called the Executive Office a 3rd time on XX/XX/XXXX, at which time I was told the specialist handling my case would contact me later in the day. The specialist, XXXX, contacted me around XXXX PST on XX/XX/XXXX. She confirmed that the account was not closed due an error in spelling of my first name and that a petition to keep the account open due to an existing business account relationship was still under review. I asked her to provide the information that Chase reviewed to determine to close my newly opened accounts. She said she could not do this and told me I would need to send a subpoena to their registered agent XXXX   XXXX XXXX. I then called back and asked that Chase provide me with the consumer reporting agency they use to make determinations on new personal account openings, but she said she could not provide this information either. \n\nI have a credit score in the mid to high 700s, 27 years of good banking history with XXXX  XXXX XXXX, a Chase credit card in good standing, and a Chase business account in good standing. Despite this, Chase has denied me a personal checking and savings account. Worse yet, I transferred a significant portion of my checking account balance and moved my direct deposit from my employer to Chase. Chase said they could accept these deposits, but it would take up to 14 days to close my accounts, then another 7 days before I received the funds. This amounts to over {$25000.00} of my personal money that I can't access now due to Chase closing my account without any sort of notification, just days after they allowed me to open it. Additionally, I had changed my auto-debit accounts over to Chase, including my mortgage payment which has caused a significant financial problem that could have adverse repercussions for my personal finances and credit reports. \n\nPer Enforcement Action taken by the CFPB against Chase in XXXX, Chase has filed to comply with this action by refusing to do any of the following : Ensure accurate information is reported : Chase must implement reasonable policies and procedures regarding the accuracy of information on consumers checking account behavior that it sends to consumer reporting companies. \n\nInform consumers of investigation outcomes : Chase must report the results of its investigations to consumers who filed disputes with the bank regarding the information reported about them to consumer reporting companies. \n\nProvide consumers with contact information : Chase must provide consumers with the contact information of the consumer reporting company that supplied information that 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