{"took":317,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":969,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17867917","_score":17.304497,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint because my bank denied my fraud claim without conducting a reasonable or thorough investigation and without allowing me to provide evidence demonstrating that the transactions were unauthorized. Such as proving my real location. \n\nDescription of the Issue In XX/XX/year>, multiple in-person transactions totaling approximately {$400.00} occurred in a city where I was not present. At the time of these transactions, I retained possession of my physical credit card. I did not authorize these purchases and could not have been physically present at the merchant location. \n\nGiven that the transactions were card-present while I retained the original card, this strongly indicates counterfeit or cloned card fraud. \n\nActions I Took I promptly reported the transactions as fraudulent. \n\nI informed the bank that I had my physical card in my possession at all times. \n\nI fully cooperated with the banks review process. \n\nI requested that the dispute be assessed as counterfeit card fraud. \n\n\nBanks Actions and Failures The bank denied my claim without a proper investigation, including the following failures : The bank denied my claim without a proper investigation, including the following failures : Failed to request or review documentation demonstrating that I was not in the city where the transactions occurred. \n\nFailed to provide me an opportunity to submit evidence of my physical location at the time of the transactions. \n\nFailed to request or review merchant video footage or other merchant verification to confirm the identity of the individual who made the purchases. \n\nFailed to adequately explain how in-person transactions could occur in a different city while I retained possession of the original physical card.","date_sent_to_company":"2025-12-09T12:35:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98391","tags":null,"has_narrative":true,"complaint_id":"17867917","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-12-09T12:22:23.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Banks</em> Actions and <em>Failures</em> The <em>bank</em> denied my claim without a proper <em>investigation</em>, including the following <em>failures</em> : The <em>bank</em> denied my claim without a proper <em>investigation</em>, including the following <em>failures</em> : Failed to request or review documentation demonstrating that I was not in the city where the transactions occurred. \n\nFailed to provide me an opportunity to submit evidence of my physical location at the time of the transactions."],"company":["<em>BANK</em> OF AMERICA, NATIONAL ASSOCIATION"]},"sort":[17.304497,"17867917"]},{"_index":"complaint-public-v1","_id":"3035168","_score":17.054136,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX client, XXXX XXXX is a victim of identity theft. She received an attempt to collect a debt related to an account established with XXXX XXXX Bank for an amount of {$850.00}. This account was established with her information without her consent and is an issue of true named fraud and identity theft. An official dispute of this account was provided to XXXX XXXX XXXX ( MCM ) office XX/XX/2018 and was received as verified with a return receipt. Shortly after XX/XX/2018 MCM sent a second \" pre-legal notification '' concerning this attempt to collect. MCM has violated the FDCPA and the FCRA in their failure to not conduct an investigation into this matter and still they tried to collect this debt. In addition the original creditor XXXX XXXX bank was also notified XX/XX/2018.","date_sent_to_company":"2018-10-02T13:44:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30223","tags":null,"has_narrative":true,"complaint_id":"3035168","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2018-10-02T13:30:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["MCM has violated the FDCPA and the FCRA in their <em>failure</em> to not conduct an <em>investigation</em> into this matter and still they tried to collect this debt. In addition the <em>original</em> creditor XXXX XXXX <em>bank</em> was also notified XX/XX/2018."]},"sort":[17.054136,"3035168"]},{"_index":"complaint-public-v1","_id":"21662850","_score":16.682705,"_source":{"product":"Credit card","complaint_what_happened":"CFPB Complaint New Submission Consumer : XXXX XXXX XXXX XXXX : Synchrony Bank ( Amazon Store Card ) Account : Ending in XXXXXXXX XXXX XXXX I am filing this complaint against Synchrony Bank for inaccurate credit reporting and failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). \n\n-- - # # # INACCURATE AND UNVERIFIABLE REPORTING Synchrony Bank is currently reporting an Amazon Store Card account on my credit report that I have formally disputed as inaccurate and unverifiable. \n\nDespite my disputes, the company continues to report this account without providing sufficient evidence that : - I authorized or opened the account - A valid contract exists- The balance being reported is accurate -- - # # # FAILURE TO CONDUCT A REASONABLE INVESTIGATION Synchrony previously responded to my dispute claiming the account was verified. However, their response relied only on internal records and billing statements, which does not meet the legal standard required under 15 U.S.C. 1681s-2 ( b ).\n\nBilling statements alone do not establish liability or prove the accuracy of the account. \n\n-- - # # # CRITICAL ISSUE NO CONTRACT OR APPLICATION Synchrony admitted in their prior response that : > The application is no longer available based on record retention guidelines. \n\nThis means they are reporting a financial obligation without possessing the original contract or application. \n\nWithout this documentation, the account is unverifiable and should not be reported. \n\n-- - # # # FORMAL DISPUTE SENT NO PROPER RESPONSE On XX/XX/2026, I sent Synchrony Bank a formal dispute and Method of Verification ( MOV ) request via certified mail, which was delivered and accepted. \n\nIn that letter, I requested : - The original signed application or contract - Proof of authorization - Method of Verification details- All documentation used to verify the account Synchrony has failed to provide the requested documentation. \n\n-- - # # # FAILURE TO PROVIDE METHOD OF VERIFICATION Synchrony has not provided : - The identity of the person who verified the account - The specific documents reviewed - Any explanation of how they determined the account belongs to me This demonstrates a failure to conduct a proper investigation. \n\n-- - # # # VIOLATIONS Synchrony Bank appears to be in violation of : - 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation - 15 U.S.C. 1681e ( b ) Reporting inaccurate or unverifiable information -- - # # # REQUEST FOR RESOLUTION I am requesting that the CFPB require Synchrony Bank to : 1. Conduct a proper investigation in compliance with FCRA 2. Provide verifiable documentary evidence of this account 3. Delete this account immediately from all credit reporting agencies if such documentation can not be produced -- - # # # CONCLUSION Synchrony Bank continues to report this account despite lacking the necessary documentation to verify it. Their reliance on internal records and their admission that no application exists shows that this account is unverifiable and should not be reported. \n\nI am requesting immediate deletion of this account. \n\n-- - Submitted by : XXXX XXXX XXXX","date_sent_to_company":"2026-04-28T12:41:54.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"08610","tags":null,"has_narrative":true,"complaint_id":"21662850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-04-28T12:37:01.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In that letter, I requested : - The <em>original</em> signed application or contract - Proof of authorization - Method of <em>Verification</em> details- All documentation used to <em>verify</em> the account Synchrony has failed to provide the requested documentation. \n\n-- - # # # <em>FAILURE</em> TO PROVIDE METHOD OF <em>VERIFICATION</em> Synchrony has not provided : - The <em>identity</em> of the person who <em>verified</em> the account - The specific documents reviewed - Any explanation of how they determined the account belongs to me This demonstrates a <em>failure</em>"]},"sort":[16.682705,"21662850"]},{"_index":"complaint-public-v1","_id":"14566755","_score":16.54502,"_source":{"product":"Credit card","complaint_what_happened":"I am a victim of identity theft. TD Bank ( XXXX XXXX ) is reporting a fraudulent account ending in XXXX to my credit report without my authorization or consent. I have never opened, used, benefited from, or approved this account in any way. My identity was stolen and used for fraudulent purposes and I am the one suffering the consequences. \n\nI submitted all the required identity theft documentation, including a sworn affidavit, FTC Identity Theft Report, and XXXX Police Report # XXXX. Despite this, TD Bank has ignored my documentation, refused to delete the account, and continues to report this information as valid. They have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), especially : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation 15 U.S.C. 1681c-2 ( Section 605B ) Failure to block fraudulent information after identity theft was reported 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be false California Civil Code 1798.92 et seq. Refusal to correct identity theft records Gramm-Leach-Bliley Act ( GLBA ) Failure to safeguard nonpublic personal information Defamation of credit Knowingly reporting false and harmful data TD Banks only response was to imply that the account was valid because payments were once made. However, this is not a legal basis to deny an identity theft claim. Federal law and case precedent are clear : the fact that someone made a payment does not prove the account is legitimate. ( See Valentine v. First Advantage Saferent , Inc., 2009 WL 4349694. ) They never provided : A copy of the original application Any signed contract IP address or metadata used to open the account Any internal investigation notes This shows a complete failure to investigate as required by law. They did not verify with the original system or database. If they are using third-party software to \" verify '' without actual records, this is a procedural FCRA violation. A real investigation includes checking actual data not just relying on automated systems. \n\nAlso, I never lived at the address associated with this account. Specifically, XXXX XXXX XXXX is not and has never been my residence. Including this address in my file is further evidence of fraud and mishandling. \n\nI first notified TD Bank in early XX/XX/XXXX, and my affidavit of truth and legal demand was sent on XX/XX/XXXX, and went unrebutted. They had more than enough time to act and delete this account. Their continued inaction has caused financial, emotional, and reputational harm. I have lost housing opportunities and the ability to secure vital credit due to this ongoing defamation of my name. \n\nI take this matter seriously and will use any and all evidence, along with every legal remedy available, to clear my good name and correct the defamation that this fraudulent account has caused. TD Banks continued negligence and willful noncompliance will not be ignored. I respectfully request that the CFPB enforce all appropriate remedies and require the immediate and permanent deletion of this account from all consumer reporting systems","date_sent_to_company":"2025-08-13T21:46:15.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"14566755","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-07-11T01:38:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["First Advantage Saferent , Inc., 2009 WL 4349694. ) They never provided : A copy of the <em>original</em> application Any signed contract IP address or metadata used to open the account Any internal <em>investigation</em> notes This shows a complete <em>failure</em> to <em>investigate</em> as required by law. They did not <em>verify</em> with the <em>original</em> system or database. If they are using third-party software to \" <em>verify</em> '' without actual records, this is a procedural FCRA violation."],"company":["TD <em>BANK</em> US HOLDING COMPANY"]},"sort":[16.54502,"14566755"]},{"_index":"complaint-public-v1","_id":"18273663","_score":16.386415,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Synchrony Bank ( XXXX XXXX XXXX ) Issue : Identity theft, inaccurate credit reporting, failure to investigate, refusal to delete fraudulent account, continued contact/collection Complaint Summary I am submitting this complaint against Synchrony Bank regarding a fraudulent Amazon Store Card account that was opened as a result of identity theft. Despite multiple disputes, formal identity theft reports, and written confirmation from XXXX that no such account has ever been associated with my XXXX profile, Synchrony Bank continues to report this account on my credit files and refuses to remove it. \nTheir conduct has caused ongoing financial harm, emotional distress, and damage to my credit, and constitutes violations of the Fair Credit Reporting Act ( FCRA ) and federal identity theft protections. \nDetailed Explanation My identity was stolen several years ago. Since that time, I have taken extensive steps to protect myself, including filing FTC identity theft reports, freezing and flagging my credit reports for fraud, and disputing all fraudulent accounts. \nIn 2023, years after the original identity theft, a Synchrony Bank XXXX XXXX XXXX XXXX tradeline suddenly appeared on my credit reports. This account does not belong to me. \nI immediately disputed the account with the credit bureaus and with Synchrony Bank. I also provided : FTC Identity Theft Reports Identity theft affidavits and documentation Written confirmation from XXXX stating that no Synchrony XXXX charge account has ever been attached to my XXXX profile or purchase history Despite receiving this evidence, Synchrony Bank has : Refused to remove the fraudulent account Failed to conduct a reasonable investigation Continued to verify and re-report inaccurate information Refused to cease contact regarding this fraudulent debt I have disputed this account multiple times, and I will continue to do so until this fraudulent tradeline is permanently deleted. \nViolations Synchrony Banks actions appear to violate, at minimum : FCRA 1681c-2 ( Section 605B ) Failure to block information resulting from identity theft after receiving proper documentation FCRA 1681s-2 ( b ) Failure to reasonably investigate disputes and correct inaccurate information FCRA 1681e ( b ) Failure to ensure maximum possible accuracy in reporting FDCPA / UDAAP principles Continuing collection and contact regarding a debt they can not validate Failure to honor federal identity theft protections and consumer rights They are effectively forcing a proven identity theft victim to live indefinitely with fraudulent credit reporting.\n\nHarm Caused Synchrony Banks refusal to correct this error has caused : Ongoing damage to my credit reports and financial standing Emotional distress and anxiety from continuous harassment and disputes Time, expense, and burden repeatedly defending against a debt that is not mine Fear of further retaliation or collection attempts This is especially harmful given my long history of identity theft and the extensive documentation already provided.","date_sent_to_company":"2025-12-24T16:33:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"690XX","tags":null,"has_narrative":true,"complaint_id":"18273663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-12-24T16:13:26.000Z","state":"NE","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":["Company : Synchrony <em>Bank</em> ( XXXX XXXX XXXX ) Issue : <em>Identity</em> theft, inaccurate credit reporting, <em>failure</em> to <em>investigate</em>, refusal to delete fraudulent account, continued contact/collection Complaint Summary I am submitting this complaint against Synchrony <em>Bank</em> regarding a fraudulent Amazon Store Card account that was opened as a result of <em>identity</em> theft."]},"sort":[16.386415,"18273663"]},{"_index":"complaint-public-v1","_id":"21947258","_score":16.254765,"_source":{"product":"Credit card","complaint_what_happened":"} CFPB Complaint Escalation ( Failure to Investigate & Identity Inconsistency ) Consumer : XXXX XXXX XXXX XXXX : Synchrony Bank XXXX Amazon XXXX XXXX ) Account : Ending in XXXX -- - I am filing this complaint due to Synchrony XXXX  continued failure to properly investigate and verify an account they are reporting on my credit file. \n\n-- - # # # FAILURE TO CONDUCT A REASONABLE INVESTIGATION Synchrony continues to claim the account was verified, yet they have failed to provide any documentation demonstrating : - A signed application or contract - Proof that I authorized this account - Any independent verification beyond internal records Their responses rely only on billing statements, which do not meet the legal requirements under XXXX U.S.C. XXXX ( b ). \n\n-- - # # # CRITICAL ISSUE IDENTITY INCONSISTENCY In their most recent response, Synchrony stated : XXXX The address provided differs from the address associated with the account. \n\nThis raises a serious issue : - If the identifying information does not match, then the account can not be reliably attributed to me - Despite this inconsistency, Synchrony continues to report the account as accurate This demonstrates a failure to properly verify identity before reporting. \n\n-- - # # # PRIOR FRAUD CONFIRMED BY SYNCHRONY Synchrony also confirmed that : - A separate Amazon XXXX XXXX account ( ending in XXXX ) was previously determined to be fraudulent - That account was deleted from my credit file This establishes that fraud activity has already occurred involving this creditor, making their current verification process even more questionable. \n\n-- - # # # FORMAL DISPUTE IGNORED I sent Synchrony a formal XXXX dispute and XXXX XXXX XXXX request via certified mail, which was delivered and accepted. \n\nIn that letter, I requested : - The original signed application - Proof of authorization - Full Method of Verification - All documents used in their investigation Synchrony has failed to provide any of this information. \n\n-- - # # # FAILURE TO PROVIDE METHOD OF VERIFICATION Synchrony has not provided : - The identity of the individual who verified the account - The documents used - Any explanation of how they linked this account to me despite conflicting information -- - # # # CONTINUED REPORTING OF UNVERIFIABLE INFORMATION Because Synchrony can not provide : - A signed agreement - Proof of authorization - A consistent identity match The account is unverifiable and should not be reported. \n\n-- - # # # REQUEST FOR RESOLUTION I request that the CFPB require Synchrony Bank to : XXXX. Conduct a proper investigation compliant with FCRA XXXX. Provide verifiable documentation proving this account belongs to me XXXX. Delete this account immediately if such documentation can not be produced -- - # # # CONCLUSION XXXX  own statements confirm identity inconsistencies, prior fraud, and lack of documentation. Their continued reporting of this account is improper and violates federal law. \n\nI am requesting immediate deletion of this account. \n\n-- - Submitted by : XXXX XXXX XXXX","date_sent_to_company":"2026-05-06T20:13:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"08610","tags":null,"has_narrative":true,"complaint_id":"21947258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-05-06T20:06:18.000Z","state":"NJ","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":["} CFPB Complaint Escalation ( <em>Failure</em> to <em>Investigate</em> & <em>Identity</em> Inconsistency ) Consumer : XXXX XXXX XXXX XXXX : Synchrony <em>Bank</em> XXXX Amazon XXXX XXXX ) Account : Ending in XXXX -- - I am filing this complaint due to Synchrony XXXX  continued <em>failure</em> to properly <em>investigate</em> and <em>verify</em> an account they are reporting on my credit file. \n\n-- - # # # <em>FAILURE</em> TO CONDUCT A REASONABLE <em>INVESTIGATION</em> Synchrony continues to claim the account was <em>verified</em>, yet they have failed to provide any documentation demonstrating"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.254765,"21947258"]},{"_index":"complaint-public-v1","_id":"14346666","_score":16.155483,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against First Horizon Bank and XXXX  for their failure to investigate, respond appropriately, and comply with my rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. XXXX  is conducting sham investigations and leaving consumers helpless to stop fraud. \n\nOn XX/XX/year>, I received notification from First Horizon Bank that I could submit a request for information regarding a fraudulent account allegedly opened in my name. I immediately responded the same day ( XX/XX/year> ) via email, submitting all the requested documents to verify my identity and request full disclosure of the account details. \n\nDespite my timely response, I was told via email that they could not verify my identity, even though I submitted the documentation they explicitly requested. Furthermore, they stated in writing that the only method they would use to communicate further details was via phone call, which is not an appropriate nor verifiable method of recordkeeping for identity theft disputes. I clearly informed their representative that I required a full report in writing as part of my identity theft documentation process. \n\nSince that time, First Horizon has refused to respond to multiple follow-up requests for written documentation or verification of the alleged account. They have failed to provide any explanation, any evidence of the accounts legitimacy, or any documentation proving their attempts to properly investigate the matter. \n\nIn parallel, XXXX  has failed to uphold their legal obligations under FCRA by not thoroughly reinvestigating the disputed account and by ignoring my repeated Method of Verification ( MOV ) requests. They have continued to report this inaccurate, fraudulent account on my credit file, despite a lack of verifiable information from the furnisher ( First Horizon ). \n\nMy Requests : That First Horizon Bank be required to provide full written documentation of the account they allege is associated with me, or immediately delete any such account if they can not provide verified records. \n\nThat XXXX  be held accountable for failing to perform a meaningful reinvestigation and for violating my rights under FCRA 611 and 1681i ( a ) ( 7 ). \n\nThat this account be immediately deleted from my credit file with all bureaus and I be notified in writing of the action taken. \n\nThat both entities be investigated for failure to respond in good faith to a documented identity theft dispute. \n\nAttached are copies of : My original dispute letters Email communications with First Horizon Identity verification documents XXXX  dispute confirmations A copy of my credit report showing the disputed account Please consider this my formal complaint, and I respectfully request that your office intervene to ensure these institutions fulfill their legal obligations.","date_sent_to_company":"2025-06-28T15:06:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33467","tags":null,"has_narrative":true,"complaint_id":"14346666","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST HORIZON BANK","date_received":"2025-06-28T14:37:36.000Z","state":"FL","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I am writing to file a formal complaint against First Horizon <em>Bank</em> and XXXX  for their <em>failure</em> to <em>investigate</em>, respond appropriately, and comply with my rights under the Fair Credit Reporting Act ( FCRA ) and the <em>Identity</em> Theft and Assumption Deterrence Act. XXXX  is conducting sham <em>investigations</em> and leaving consumers helpless to stop fraud."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["FIRST HORIZON <em>BANK</em>"]},"sort":[16.155483,"14346666"]},{"_index":"complaint-public-v1","_id":"14079860","_score":16.125721,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"BANK OF AMERICA Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Subject : Fraudulent Secured Card Account Bank of America FCRA Violations and Demand for Permanent Deletion To Whom It May Concern, This complaint concerns a fraudulently reported secured credit card account by Bank of America : Account # : XXXX Opened XX/XX/XXXX Balance : {$420.00} FTC Identity Theft Report No. : XXXX I did not apply for this card nor did I authorize any application, use, or transaction. I discovered this fraudulent account only after reviewing my credit file in XXXX. \n\nThis reporting violates : 15 U.S.C. 1681i ( a ) Failure to reinvestigate disputed information 15 U.S.C. 1681s-2 ( b ) Furnishers failure to investigate accurately 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681c-2 Identity theft protection requirements I demand Bank of America XXXX XXXX following immediately : XXXX. Certified copy of the original application or contract XXXX. Full description of the method of verification XXXX. The complete investigation results with audit history XXXX. Documentation of any ownership, assignment, or securitization XXXX. Metro 2 compliance logs verifying the accuracy of tradeline reporting If accuracy, authorization, and lawful ownership can not be legally validated, this account must be permanently deleted.\n\nBank of America is now on notice of its potential liability under : 15 U.S.C. 1681n ( Willful violation ) 15 U.S.C. 1681o ( Negligent violation ) 15 U.S.C. 1681q ( False pretenses ) Sincerely, XXXX XXXX","date_sent_to_company":"2025-06-14T17:56:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90047","tags":null,"has_narrative":true,"complaint_id":"14079860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-06-14T17:49:42.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This reporting violates : 15 U.S.C. 1681i ( a ) <em>Failure</em> to reinvestigate disputed information 15 U.S.C. 1681s-2 ( b ) Furnishers <em>failure</em> to <em>investigate</em> accurately 15 U.S.C. 1681e ( b ) <em>Failure</em> to ensure maximum possible accuracy 15 U.S.C. 1681c-2 <em>Identity</em> theft protection requirements I demand <em>Bank</em> of America XXXX XXXX following immediately : XXXX. Certified copy of the <em>original</em> application or contract XXXX. Full description of the method of <em>verification</em> XXXX."],"company":["<em>BANK</em> OF AMERICA, NATIONAL ASSOCIATION"]},"sort":[16.125721,"14079860"]},{"_index":"complaint-public-v1","_id":"11868856","_score":15.971677,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because Equifax has failed to conduct a reasonable investigation into my credit dispute and continues to ask for identity verification, despite already receiving the required documents. This violates my rights under the Fair Credit Reporting Act ( FCRA ). \n\nXXXX. Details of the Dispute On XX/XX/year>, I submitted a dispute to Equifax regarding an inaccurate/unverified debt on my credit report. \nAlong with my dispute, I included a copy of my government-issued ID, and a recent bank statement to verify my identity. \nDespite this, Equifax has repeatedly sent letters requesting the same verification documents, rather than investigating my dispute. \nThis is a deliberate delay tactic that prevents me from exercising my rights under the FCRA.\n\n3. FCRA Violations Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) Equifax is required to investigate my dispute within 30 days but has instead delayed the process by repeatedly requesting documents they already have.\n\nFailure to Provide a Meaningful Response Instead of investigating, Equifax is sending form letters requesting verification already provided.\n\n4. Desired Resolution I request that the Consumer Financial Protection Bureau ( CFPB ) order Equifax to immediately process my dispute as required under the FCRA.\n\nIf Equifax can not verify the debt, they must remove it.\n\nIf Equifax claims they need further verification, they must provide a legitimate explanation rather than delaying my dispute with repetitive requests.\n\n5. Supporting Documents I have attached : A copy of my original dispute letter to Equifax Copies of the verification documents I already provided Equifaxs repeated requests for verification A copy of my credit report showing the disputed debt","date_sent_to_company":"2025-01-31T03:37:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46260","tags":null,"has_narrative":true,"complaint_id":"11868856","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-31T03:27:18.000Z","state":"IN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Along with my dispute, I included a copy of my government-issued ID, and a recent <em>bank</em> statement to <em>verify</em> my <em>identity</em>. \nDespite this, Equifax has repeatedly sent letters requesting the same <em>verification</em> documents, rather than <em>investigating</em> my dispute. \nThis is a deliberate delay tactic that prevents me from exercising my rights under the FCRA.\n\n3."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.971677,"11868856"]},{"_index":"complaint-public-v1","_id":"13944507","_score":15.868467,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB Complaint follow up Product : Dlebt Collection Type : Credit card debt Issue : Attempts to collect debt not owed Identity theft Narrative/ What happened?\n\nI am filing this complaint to formally dispute a fraudulent debt that is being reported under my name. The account in question is a Kohls store credit card ( Account # : XXXX ), issued and managed by Capital One. I have never opened or authorized this account, and I have strong evidence that it is the result of identity theft. \n\nUpon discovering this account on my credit reports, I initiated a full investigation. I contacted the original bank, which confirmed that the account was opened without verifying the identity of the applicant and that it had been sold or transferred to a third-party collection agency. Despite repeated efforts, neither Capital One nor the collection agency has provided any documentation bearing my signature or showing that I authorized the account. \n\nI have taken the following actions : Filed a police report for identity theft. \n\nSubmitted a FTC Identity Theft Affidavit. \n\nDisputed the account with all three major credit bureaus filed to OCC Sent a written demand for validation of the debt, including a request for the full account number, original application, and signed documentation. \n\n\nDespite these efforts, the account continues to appear on my credit reports, causing harm to my credit profile. My prior CFPB complaint ( # XXXX ) was closed after the company claimed it was not responsible, but the account still exists and has not been resolved or Removed Desired Resolution : > I request the CFPB assist in compelling Capital One ( Kohls ) or the third-party debt collector currently reporting this account to : 1. Provide full validation, including original application and documents signed by me, or 2. Immediately delete this fraudulent account from all three major credit bureaus XXXX XXXX XXXX and XXXX ). \n\nI also request investigation into the original banks failure to verify the identity of the individual who opened the account, and their negligence in selling an unverified debt to a third party.\n\nCompany You're Complaining About : > Capital One Bank ( USA ), N.A.\n\n( Include the name of the debt collector as a second company if it's on your credit report )","date_sent_to_company":"2025-06-18T16:56:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"019XX","tags":null,"has_narrative":true,"complaint_id":"13944507","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-06T11:11:00.000Z","state":"MA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Provide full validation, including <em>original</em> application and documents signed by me, or 2. Immediately delete this fraudulent account from all three major credit bureaus XXXX XXXX XXXX and XXXX ). \n\nI also request <em>investigation</em> into the <em>original</em> <em>banks</em> <em>failure</em> to <em>verify</em> the <em>identity</em> of the individual who opened the account, and their negligence in selling an unverified debt to a third party.\n\nCompany You're Complaining About : > Capital One <em>Bank</em> ( USA ), N.A."]},"sort":[15.868467,"13944507"]},{"_index":"complaint-public-v1","_id":"17870516","_score":15.821503,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally file a complaint against Bank of America regarding an extremely frustrating and inefficient customer service experience I encountered this afternoon. \n\nThis afternoon, I contacted Bank of Americas customer service line to address a personal banking matter. I completed the full identity verification process as requiredproviding all requested personal information, account details, and security credentialsto the satisfaction of the initial representative. After verifying my identity, I requested a callback at a more convenient time, which the representative confirmed would be arranged.\n\nWhen Bank of America called me back as promised, the new representative informed me that I would need to complete the identity verification process again. Despite my explanation that I had already fully verified my identity prior to the callback, the representative insisted on repeating the process. To my dismay, the verification system failed to recognize my previously confirmed information, making it impossible to complete the second verification. Instead of resolving this internal error, the representative advised me to hang up, redial the original customer service number, and wait on hold for another 30 minutes to restart the entire process.\n\nThis experience is unacceptable, unreasonable, and a blatant waste of my time. Requiring redundant identity verification after a confirmed callback, combined with a faulty system that blocks successful verification and forces customers to endure excessive wait times, reflects a serious failure in Bank of Americas customer service protocols. Such inefficiency not only undermines consumer trust but also imposes unnecessary burdens on customers who have already fulfilled their obligations to verify their identity.\n\nI kindly request that both the CFPB and BBB investigate this matter thoroughly. My desired resolution includes : 1.A formal apology from Bank of America for the inconvenience caused.\n\n2.A review and correction of their callback and verification processes to eliminate redundant steps and system errors.\n\n3.Assurance that future customer interactions will not require repeated verification for the same inquiry.\n\nI trust that you will take this complaint seriously and hold Bank of America accountable for providing efficient, respectful customer service. Please contact me at [ your phone number ] or [ your email address ] if additional information is needed. \n\nThank you for your attention to this matter and for advocating for consumer rights.","date_sent_to_company":"2025-12-09T14:08:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78626","tags":null,"has_narrative":true,"complaint_id":"17870516","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-17T21:47:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Requiring redundant <em>identity</em> <em>verification</em> after a confirmed callback, combined with a faulty system that blocks successful <em>verification</em> and forces customers to endure excessive wait times, reflects a serious <em>failure</em> in <em>Bank</em> of Americas customer service protocols. Such inefficiency not only undermines consumer trust but also imposes unnecessary burdens on customers who have already fulfilled their obligations to <em>verify</em> their <em>identity</em>."],"company":["<em>BANK</em> OF AMERICA, NATIONAL ASSOCIATION"]},"sort":[15.821503,"17870516"]},{"_index":"complaint-public-v1","_id":"14766085","_score":15.673861,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint against Barclays Bank Delaware According to public records from the Consumer Financial Protection Bureau ( CFPB ), Barclays Bank Delaware has received thousands of consumer complaints, including cases involving improper identity verification and failure to provide legally required documentation during the debt validation process. My experience appears to follow this same concerning pattern. \n\nFACTS : On XX/XX/XXXX, I was served by a Florida state court with notice of a civil lawsuit filed under the name XXXX XXXX, which does not match my full legal name : XXXX XXXX XXXX XXXX. \n\nThe firm that filed the lawsuit, XXXX XXXX XXXX XXXX XXXX, claims to act on behalf of Barclays Bank Delaware. In a letter dated XX/XX/XXXX, which I received on XX/XX/XXXX, they also claimed to be the original creditor, but provided no legal documentation to support that claim. \n\nSince they are asserting that Barclays is the original creditor, I formally demand the original signed agreement that supports this allegation. However : No signed contract was provided No credit application or account opening documentation was included Only partial account statements from XXXX  and part of XXXX were enclosed, which do not meet the validation requirements under 1692g of the FDCPA On XX/XX/XXXX, I mailed a formal dispute letter via certified mail with return receipt, denying the debt, rejecting the use of an incorrect name, and demanding proper validation under the law. \nTo this day, I have received no valid response, and yet the lawsuit remains active. \n\nI am certain that I never applied for or authorized any credit card account with Barclays Bank Delaware. I never signed any contract with this company, nor have I ever maintained a credit relationship with them. \n\nVIOLATIONS : I believe Barclays Bank Delaware acted with serious negligence by : Allowing legal action to proceed against me based on an incorrect and incomplete identity Failing to verify whether I had any legal relationship to the alleged account Allowing a third party to initiate legal action while claiming to be the original creditor, without presenting the original signed agreement Failing to provide legally sufficient documentation to validate the alleged debt REQUEST : That the CFPB investigate Barclays Bank Delaware for permitting legal and collection actions without proper identity verification or legal basis That Barclays confirm in writing whether any account is legally associated with my full legal name, and if so, provide the original signed agreement and full supporting documentation That, in the absence of such documentation, Barclays close any internal claim and instruct its legal representative to withdraw the lawsuit immediately That this complaint be formally recorded in my CFPB file as legal evidence in connection with the ongoing court case","date_sent_to_company":"2025-07-22T02:02:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"322XX","tags":null,"has_narrative":true,"complaint_id":"14766085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-07-22T01:45:19.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Complaint against Barclays <em>Bank</em> Delaware According to public records from the Consumer Financial Protection Bureau ( CFPB ), Barclays <em>Bank</em> Delaware has received thousands of consumer complaints, including cases involving improper <em>identity</em> <em>verification</em> and <em>failure</em> to provide legally required documentation during the debt validation process. My experience appears to follow this same concerning pattern."],"company":["BARCLAYS <em>BANK</em> DELAWARE"]},"sort":[15.673861,"14766085"]},{"_index":"complaint-public-v1","_id":"17249517","_score":15.53506,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting a combined complaint regarding debt collection and enforcement actions taken by XXXX XXXX XXXX XXXX XXXX and specifically the law firm representing them in Arkansas, XXXX XXXX XXXX XXXX formerly operating as Allen & Withrow. My concerns involve improper judgment renewal, lack of notice, misidentification, and a wrongful garnishment placed on my bank account. \n\n\n\nI. Original Issues ( Judgment Renewal / Lack of Notice ) I discovered that a judgment in XXXX  was renewed without my knowledge or consent. I was never served, never notified, and received no communication regarding the renewal or any intent to pursue enforcement. I do not live in XXXX  nor do I have legal representation in that state. \n\nI only became aware of this situation after my bank account was frozen without prior notice. \n\nI did not receive : Any notice of the intent to renew the judgment Any copy of the renewal filing Any debt validation as required by the FDCPA Any proof that service for either the original case or renewal was properly completed Despite this lack of legally required notice, the collector proceeded with enforcement actions. This has caused financial loss, disruption, and emotional distress. \n\nI am requesting that the CFPB investigate : XXXX. Whether the law firm failed to notify me of the judgment renewal XXXX. Whether the debt collector violated FDCPA requirements for validation XXXX. Whether proper service was ever completed in the original case XXXX. The legality of freezing my account without proper notice or identity confirmation I also request that the collector provide : Full account history Proof of service ( original case + renewal ) All renewal filings A complete ledger showing how the amount was calculated At this time, I dispute the validity, enforceability, and amount of the alleged judgment. \n\n\n\nXXXX. Updated Issues ( New Garnishment Notice / Misidentified Defendant ) I recently received a new garnishment notice, which escalates the situation. The notice states that the case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my name, does not match my identity, and appears to involve a different person entirely. Despite this, the garnishment was directed at my bank account. \n\nAs a result, XXXX XXXX placed my account under a legal hold, showing a negative balance exceeding {$7000.00}. This occurred even though the lawsuit referenced in the notice appears to involve someone else. \n\nI believe this garnishment was initiated : XXXX. Without proper identity verification XXXX. Without confirming that the judgment belongs to me XXXX. Without providing any proof that the case is connected to me in any way I have not received : Proof that this judgment is attached to my name Any FDCPA-required debt verification Any proper legal notice addressed to me This error has caused serious harm, including loss of access to funds and financial instability. \n\nI request that the CFPB investigate : The misidentification of the defendant The law firms failure to verify identity before issuing a garnishment The collectors failure to provide legally required notices and validation The improper garnishment of my bank account Attachments I will provide : Garnishment notice Objection to Judgment Renewal that was sent certified mail to lawyers and the XXXX XXXX I am requesting immediate review because my funds remain restricted.","date_sent_to_company":"2025-11-14T23:45:00.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"94806","tags":null,"has_narrative":true,"complaint_id":"17249517","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Allen & Withrow","date_received":"2025-11-14T23:04:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Sued you in a state where you do not live or did not sign for the debt"},"highlight":{"complaint_what_happened":["I request that the CFPB <em>investigate</em> : The misidentification of the defendant The law firms <em>failure</em> to <em>verify</em> <em>identity</em> before issuing a garnishment The collectors <em>failure</em> to provide legally required notices and validation The improper garnishment of my <em>bank</em> account Attachments I will provide : Garnishment notice Objection to Judgment Renewal that was sent certified mail to lawyers and the XXXX XXXX I am requesting immediate review because my funds remain restricted."]},"sort":[15.53506,"17249517"]},{"_index":"complaint-public-v1","_id":"14056496","_score":15.35006,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX filing this complaint because TransUnion has failed to respond to my formal credit dispute, violating my rights under the Fair Credit Reporting Act ( FCRA ) and causing serious XXXX to my credit profile. \nOn XX/XX/year>, I mailed a certified dispute letter ( Tracking XXXX XXXX ) to address multiple inaccuracies on my credit report. Included with the dispute were all required identity verification documents : a government-issued photo ID, Social Security XXXX XXXX and a recent bank statement reflecting my current address. \nOn XX/XX/year>, TransUnion sent an email acknowledging receipt of my dispute and stated they would notify me once the investigation was complete. Since then, I have received no further updatesno results, no resolution, no communication. \nThis delay has real consequences. The inaccuracies continue to XXXX my credit, limit my financial options, and cause me XXXX XXXX  XXXX failure to complete the investigation within the FCRAs XXXX requirement is both unacceptable and unlawful. \nThis constitutes a violation of FCRA Section XXXX, which requires that disputes be investigated and results communicated within XXXX  days of receipt. XXXX failure to act within the required timeframe has allowed inaccurate and potentially XXXX information to remain on my credit report without challenge. \nTo support my claim, I have attached the following documents : a copy of my original dispute letter with identity verification documents, the XXXX XXXX Mail receipt ( Tracking XXXX XXXXXXXX ), and XXXX email response.","date_sent_to_company":"2025-06-13T19:33:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10451","tags":null,"has_narrative":true,"complaint_id":"14056496","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-13T19:26:31.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX <em>failure</em> to act within the required timeframe has allowed inaccurate and potentially XXXX information to remain on my credit report without challenge. \nTo support my claim, I have attached the following documents : a copy of my <em>original</em> dispute letter with <em>identity</em> <em>verification</em> documents, the XXXX XXXX Mail receipt ( Tracking XXXX XXXXXXXX ), and XXXX email response."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[15.35006,"14056496"]},{"_index":"complaint-public-v1","_id":"17756044","_score":15.194793,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a new complaint regarding First Commonwealth Banks failure to comply with Regulation E in handling fraud on my account. This is separate from my original complaint because the issue now concerns the banks investigation misconduct, not just the original fraud transactions. \n\nReference Prior Case : CFPB Complaint ID XXXX That case is not resolved and should not be considered closed. \n\nI reported XXXX unauthorized debit card transactions from the same merchant and date. Instead of treating them as a single fraud event, the bank improperly split the case and came to inconsistent conclusions using different standards on identical charges. They approved {$100.00} as fraud but denied the XXXX {$210.00} charges solely based on merchant documentation showing delivery to my address and two-factor verification via text. A criminal possessing my personal information and access to SMS does not constitute my authorization under 12 CFR 1005.11.\n\nThe banks investigation did not : Determine whether I actually authorized the transactions Consider how my personal data or SMS access was compromised Consider my identity theft history or my police report Apply consistent standards to identical fraudulent transactions Instead, the bank used improper criteria such as whether the merchant verified information and whether the merchant refused to refund, which is not allowed under Regulation E. The bank explicitly stated that if the merchant will not provide credit, the bank will not take the loss. That reveals that they assigned liability to me based on merchant reimbursement, not based on whether I authorized the charges. \n\nAs a result of their non-compliant investigation, provisional credits were reversed and my account was left overdrawn, causing additional harm. I remain held financially responsible for fraud. \n\nI am requesting that CFPB require First Commonwealth Bank to : Reopen and properly investigate both {$210.00} charges Apply proper authorization standards to all three identical fraud transactions Restore the provisional credits during reinvestigation as required Fix my account balance so I am not paying for fraud losses I can provide all supporting documents including the police report, dispute form, bank letters, and merchant evidence used against me. \n\nThis complaint should remain open until First Commonwealth Bank complies with Regulation E and relieves me of the fraudulent charges.","date_sent_to_company":"2025-12-04T19:59:36.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"150XX","tags":null,"has_narrative":true,"complaint_id":"17756044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST COMMONWEALTH FINANCIAL CORPORATION","date_received":"2025-12-04T19:52:39.000Z","state":"PA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am filing a new complaint regarding First Commonwealth <em>Banks</em> <em>failure</em> to comply with Regulation E in handling fraud on my account. This is separate from my <em>original</em> complaint because the issue now concerns the <em>banks</em> <em>investigation</em> misconduct, not just the <em>original</em> fraud transactions. \n\nReference Prior Case : CFPB Complaint ID XXXX That case is not resolved and should not be considered closed. \n\nI reported XXXX unauthorized debit card transactions from the same merchant and date."]},"sort":[15.194793,"17756044"]},{"_index":"complaint-public-v1","_id":"15549280","_score":15.161667,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2025, I mailed a formal dispute letter to Experian via USPS Certified Mail, tracking number XXXX. The letter included copies of my government-issued photo ID, Social Security card , and a recent bank statement showing my current address to comply with identity verification requirements. In this dispute, I requested an investigation into inaccuracies on my credit report as well as the correction of erroneous personal information. \nUSPS tracking confirms that Experian received my dispute on XX/XX/2025. However, to date, Experian has failed to provide any response, acknowledgment, or evidence of investigation. This disregard for their legal obligations under the Fair Credit Reporting Act constitutes willful noncompliance. The FCRA requires consumer reporting agencies to conduct a reasonable investigation and provide timely results, and Experians refusal to act represents a direct violation of these statutory duties.\n\nExperians inaction is not a minor oversight but a deliberate failure to comply with federal law, exposing them to liability for damages under the FCRA. Their conduct undermines consumer rights and calls into question the integrity of their credit reporting practices. \nI have attached copies of my original dispute letter along with USPS proof of delivery, as evidence of Experians failure to fulfill its legal obligations.","date_sent_to_company":"2025-08-27T18:08:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"84094","tags":null,"has_narrative":true,"complaint_id":"15549280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-27T18:03:22.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["The letter included copies of my government-issued photo ID, Social Security card , and a recent <em>bank</em> statement showing my current address to comply with <em>identity</em> <em>verification</em> requirements. In this dispute, I requested an <em>investigation</em> into inaccuracies on my credit report as well as the correction of erroneous personal information. \nUSPS tracking confirms that Experian received my dispute on XX/XX/2025."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[15.161667,"15549280"]},{"_index":"complaint-public-v1","_id":"14881766","_score":15.138022,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian for its failure to respond to a formal dispute I mailed in connection with a letter dated XX/XX/year>. In that letter, I requested an investigation into inaccurate items on my credit report, as well as the correction of incorrect personal information listed in my credit file. To support verification of my identity, I included a copy of my photo ID, Social Security card, and a recent bank statement reflecting my current address. Despite providing complete documentation and a clearly stated request, Experian has not issued any response or provided the results of an investigation. \nIt has now been over 30 days since I submitted the dispute, yet I have received no communication or resolution from Experian. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of information in their file. Experians failure to act appears to be a direct violation of this obligation and a denial of my rights under federal law. \nI am including a copy of the original dispute letter dated XX/XX/year>, as supporting evidence for this complaint.","date_sent_to_company":"2025-07-25T16:34:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"310XX","tags":null,"has_narrative":true,"complaint_id":"14881766","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-25T16:26:15.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I am filing this complaint against Experian for its <em>failure</em> to respond to a formal dispute I mailed in connection with a letter dated XX/XX/year>. In that letter, I requested an <em>investigation</em> into inaccurate items on my credit report, as well as the correction of incorrect personal information listed in my credit file. To support <em>verification</em> of my <em>identity</em>, I included a copy of my photo ID, Social Security card, and a recent <em>bank</em> statement reflecting my current address."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[15.138022,"14881766"]},{"_index":"complaint-public-v1","_id":"11943847","_score":15.091336,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, an unauthorized account was fraudulently opened in my name with Fulton Bank for {$460.00} without my knowledge or consent. This account was a direct result of identity theft, and I did not initiate, authorize, or benefit from it in any way. \n\nUpon discovering this fraudulent account, I immediately took action to dispute it by filing an Identity Theft Report with the Federal Trade Commission ( FTC ) and submitting it along with : A copy of my government-issued ID A copy of my Social Security card Proof of address Other supporting materials substantiating my identity theft claim Under 15 U.S.C. 1681c-2 ( a ) ( FCRA 605B ), XXXX is legally required to block fraudulent information within four ( 4 ) business days upon receiving a valid identity theft report. The FTC Identity Theft Report is explicitly recognized as a valid and sufficient document under federal law, and no additional police report or law enforcement signature is required.\n\nFulton Banks Failure to Provide Proof of Account Authorization As the financial institution that allegedly opened this account, Fulton Bank has failed to produce any evidence verifying that I authorized or benefited from this account. Specifically, Fulton Bank has not provided any of the following : A copy of the original account application with my signature IP address logs, call recordings, or any other verification method used at the time of account opening Transaction history showing any personal benefit I received from this account If Fulton Bank claims this account is legitimate, it is legally required to provide proof of authorization. Since no such proof has been provided, it is evident that this account was fraudulently opened and must be removed immediately. \n\nLegal Violations and Consumer Harm By failing to remove this fraudulent account and falsely verifying it as accurate, Fulton Bank is in violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to properly acknowledge and remove fraudulent information upon receiving a valid identity theft report.\n\nFCRA 611 ( 15 U.S.C. 1681i ) Providing false or misleading verification of an accounts accuracy.\n\nFCRA 616 ( 15 U.S.C. 1681n ) & 617 ( 15 U.S.C. 1681o ) Engaging in willful and negligent noncompliance with federal law, causing harm to my financial reputation.\n\nRequested Action I am formally requesting that Fulton Bank immediately contact XXXX to block and remove this fraudulent account from my consumer file, as legally required under FCRA XXXX. Specifically, I demand : XXXX. Immediate Removal of the Fraudulent Fulton Bank Account Fulton Bank must notify XXXX to permanently block this fraudulent account and confirm that it has been removed from my file. \n2. Written Confirmation of Account Deletion Fulton Bank must provide written confirmation within five ( 5 ) business days stating that the fraudulent account has been removed and will not be reinserted into my XXXX report. \nXXXX. Cessation of False Account Verification Fulton Bank must cease verifying fraudulent accounts as legitimate when no proof of consumer authorization exists. \n\nSocial Security Number for Account Identification To ensure that Fulton Bank properly identifies my file and takes immediate corrective action, my Social Security XXXX last XXXX digits are XXXX. There should be no confusion or delay in identifying the fraudulent account and taking immediate corrective action. \n\nNext Steps if Fulton Bank Fails to Comply If Fulton Bank does not remove this fraudulent account, I will escalate this matter further, including : Filing a formal complaint with the Federal Trade Commission ( FTC ) against Fulton Bank for FCRA violations. \nPursuing legal action against Fulton Bank for knowingly reporting false information and failing to conduct a proper investigation. \nRequesting an investigation from the Office of the Attorney General to review Fulton Banks handling of fraudulent accounts.\n\nThis fraudulent account is actively harming my ability to open and maintain financial accounts, and Fulton Banks failure to comply with federal law is unacceptable. I expect immediate corrective action and written confirmation within five ( 5 ) business days confirming that the fraudulent account has been removed.","date_sent_to_company":"2025-02-05T23:56:16.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"198XX","tags":null,"has_narrative":true,"complaint_id":"11943847","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FULTON FINANCIAL CORPORATION","date_received":"2025-02-05T23:39:40.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["Legal Violations and Consumer Harm By failing to remove this fraudulent account and falsely <em>verifying</em> it as accurate, Fulton <em>Bank</em> is in violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( 15 U.S.C. 1681c-2 ) <em>Failure</em> to properly acknowledge and remove fraudulent information upon receiving a valid <em>identity</em> theft report.\n\nFCRA 611 ( 15 U.S.C. 1681i ) Providing false or misleading <em>verification</em> of an accounts accuracy."]},"sort":[15.091336,"11943847"]},{"_index":"complaint-public-v1","_id":"18261446","_score":15.089047,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB FORMAL COMPLAINT AND DEMAND FOR RE-INVESTIGATION To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX : XX/XX/XXXX Regarding : Early Warning Services , LLC ( EWS ) Subject : Formal Appeal, Request for New Investigator, and Removal of Inaccurate/Unverifiable Information 1. Summary of Dispute I am filing this formal complaint against Early Warning Services , LLC ( EWS ) for their failure to conduct a reasonable re-investigation of several fraudulent accounts as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite my clear notification of identity theft, EWS continues to report inaccurate and unverifiable information provided by the following institutions : XXXX XXXX : Dispute # XXXX ( Complaints received XX/XX/XXXX, and XXXX, XXXX ). \n\n\n\n\nXXXX XXXX XXXX : Dispute # XXXX ( Re-investigation completed XX/XX/XXXX ). \n\n\n\n\n\nXXXX XXXX XXXX : Dispute # XXXX ( Complaints received XX/XX/XXXX and XXXX, XXXX ). \n\n\n\n\n2. Grounds for Appeal & Failure to Verify EWS has admitted in writing that they do not have access to the original account opening records or authorizations, yet they continue to report these items solely because the banks \" asserted '' they were accurate. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is inaccurate or can not be verified, it must be deleted. Since EWS can not verify the underlying authorization documents, they are in violation of federal law by maintaining these records. \n\n\n\n\n\n3. Request for New Investigator The previous investigators failed to address the specific evidence of fraud and identity theft. I demand that a new, senior investigator be assigned to these cases to perform a human review of the facts, rather than an automated verification. \n\n\n\n\n\n4. Mandatory Identity Theft Protections I have previously notified EWS that I am a victim of identity theft. Under 15 U.S.C. 1681c-2, EWS is legally required to block the reporting of any information that resulted from alleged identity theft. Their failure to do so is a willful violation of my consumer rights. \n\n\n\n\n\n5. Formal Rebuttal Statement ( 15 U.S.C. 1681i ( b ) ) If these records are not removed, I am exercising my right to have the following rebuttal attached to my file : \" I, XXXX XXXX XXXX, formally dispute these records as fraudulent results of identity theft. Early Warning has admitted they do not have access to the required verification documents but continues to report this unverifiable data in violation of the FCRA. \". \n\n\n\n\n\n6. Desired Resolution I demand the immediate and permanent removal or deletion of all referenced dispute records from my Early Warning file.","date_sent_to_company":"2025-12-23T22:46:01.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"17057","tags":null,"has_narrative":true,"complaint_id":"18261446","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-12-23T22:32:08.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX : Dispute # XXXX ( Re-<em>investigation</em> completed XX/XX/XXXX ). \n\n\n\n\n\nXXXX XXXX XXXX : Dispute # XXXX ( Complaints received XX/XX/XXXX and XXXX, XXXX ). \n\n\n\n\n2. Grounds for Appeal & <em>Failure</em> to <em>Verify</em> EWS has admitted in writing that they do not have access to the <em>original</em> account opening records or authorizations, yet they continue to report these items solely because the <em>banks</em> \" asserted '' they were accurate."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing issue"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.089047,"18261446"]},{"_index":"complaint-public-v1","_id":"18935018","_score":15.088611,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Bank of America Inaccurate Consumer Reporting ( FCRA Violations ) Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Bank of America , N.A . regarding inaccurate and unverifiable information being reported on my consumer banking reports through XXXX XXXX XXXX XXXXXXXX XXXX. \nAccount involved : Bank of America account ending in XXXX. \nSummary of Complaint : Bank of America is reporting negative account information that I believe to be inaccurate, incomplete, and/or unverifiable. I previously disputed this matter directly with Bank of America, as well as with XXXX XXXX XXXX XXXX XXXX. \nOn XX/XX/XXXX, Bank of America responded that the information was verified as accurate, but failed to provide proper documentation or disclose their method of verification as required under the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ). \nDespite my follow-up dispute demanding verification, Bank of America continues to furnish this information without producing : Original account application bearing my signature Complete transaction history Contractual agreement establishing liability Identity verification documentation Method of verification used I believe Bank of America is violating the following : FCRA 611 Failure to conduct a reasonable investigation FCRA 623 Furnishing inaccurate or unverifiable information Failure to correct or delete disputed information Requested Resolution : I respectfully request that the CFPB : 1. Require Bank of America to provide full documentary verification of the account, OR 2. Require immediate deletion of the account from XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX. Ensure my consumer banking reports reflect accurate information only. \nThis inaccurate reporting has negatively affected my ability to open bank accounts and conduct normal financial activity. \nThank you for your time and assistance in this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-22T20:58:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Checking account","zip_code":"21117","tags":null,"has_narrative":true,"complaint_id":"18935018","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-01-22T20:37:26.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Despite my follow-up dispute demanding <em>verification</em>, <em>Bank</em> of America continues to furnish this information without producing : <em>Original</em> account application bearing my signature Complete transaction history Contractual agreement establishing liability <em>Identity</em> <em>verification</em> documentation Method of <em>verification</em> used I believe <em>Bank</em> of America is violating the following : FCRA 611 <em>Failure</em> to conduct a reasonable <em>investigation</em> FCRA 623 Furnishing inaccurate or unverifiable information <em>Failure</em> to correct"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>BANK</em> OF AMERICA, NATIONAL ASSOCIATION"]},"sort":[15.088611,"18935018"]},{"_index":"complaint-public-v1","_id":"21728120","_score":15.050721,"_source":{"product":"Prepaid card","complaint_what_happened":"Company : Optum XXXX  Issue : Failure to safeguard payment during active bank account update ; financial harm I am filing this complaint regarding a payment processing failure involving Optum XXXX and I initiated a bank account change request and completed identity verification in order to update my direct deposit information over a week before they released this deposit. The only outstanding item was an EFT document. Despite this active update process, no safeguards were placed on outgoing payments. \n\nPayment Details : - Payment Date : XX/XX/year> - Amount : {$3600.00} - Case Number ( Optum ) : [ INSERT CASE NUMBER ] XXXX Prior to disbursement, I contacted this company and the insurance payor while the payment was still in pending status and requested that it be held or stopped before release due to issues with the receiving account. No effective action was taken. \n\nThe payment was subsequently deposited into the original account, which is restricted, causing the funds to be frozen and inaccessible. \n\nThis has created significant financial hardship, including disruption to my business operations and inability to meet payroll obligations, exposing me to potential legal risk under labor laws. \n\nThis situation reflects a failure in payment safeguards, as funds were disbursed despite : - An active and verified bank account change request - Advance notice and request for intervention prior to settlement I am requesting : 1. Immediate assistance with ACH recall and reissue 2. A formal investigation into this processing failure 3. Review for financial remediation due to damages caused 4. Implementation of safeguards to prevent this from occurring during account updates I attempted to resolve this directly and now have an active escalation case on file, but I am seeking regulatory review due to the seriousness of the issue.","date_sent_to_company":"2026-04-29T22:34:14.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"46256","tags":null,"has_narrative":true,"complaint_id":"21728120","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OPTUM BANK, INC.","date_received":"2026-04-29T22:23:31.000Z","state":"IN","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["Company : Optum XXXX  Issue : <em>Failure</em> to safeguard payment during active <em>bank</em> account update ; financial harm I am filing this complaint regarding a payment processing <em>failure</em> involving Optum XXXX and I initiated a <em>bank</em> account change request and completed <em>identity</em> <em>verification</em> in order to update my direct deposit information over a week before they released this deposit. The only outstanding item was an EFT document."],"company":["OPTUM <em>BANK</em>, INC."]},"sort":[15.050721,"21728120"]},{"_index":"complaint-public-v1","_id":"18003824","_score":15.03137,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint to formally report that all Synchrony Bankrelated accounts appearing on my credit reports are the result of identity theft, and I am requesting a full investigation under the rights granted to me by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and all federal regulations governing fraudulent accounts, unauthorized credit activity, and inaccurate reporting. I have already filed an official FTC Identity Theft Report and have taken all reasonable steps to secure my identity, including placing fraud alerts, credit freezes, and repeatedly disputing these fraudulent Synchrony Bank accounts with the major credit reporting agencies. Despite my documented identity theft, these accounts continue to report inaccurate information, harming and misrepresenting my credit profile. \n\nThis statement explains in clear detail what happened, what actions I have already taken, why the accounts are fraudulent, and why Synchrony Bank must comply with federal law and remove these accounts. \n\n1. Identity Theft Discovery and Initial Red Flags I first became aware that my identity had been compromised when I noticed unfamiliar Synchrony Bank accounts appearing on my credit reports. These accounts included several retail credit cards and lines of credit associated with Synchrony Bank-issued partners ( such as XXXX, XXXXXXXX XXXX XXXX XXXX, Synchrony Home XXXX and other store-branded credit accounts ). None of these accounts were legitimately opened by me, and none were authorized, used, or applied for by me. \n\nUpon reviewing the details, I immediately recognized multiple red flags indicating identity theft : The accounts did not match any credit applications I have ever made. \n\nThe accounts had addresses, usage patterns, and spending behaviors inconsistent with my history. \n\nMany accounts showed delinquencies, charge-offs, or collections that I could not have been responsible for. \n\nI had never received any card, billing statements, approval notices, or disclosures for these accounts. \n\nThese indicators confirmed that someone had fraudulently used my personal information to open Synchrony Bank credit accounts without my permission.\n\n2. FTC Identity Theft Report Filed and Documented As soon as I confirmed identity theft, I took immediate legal action. I filed a formal report with the Federal Trade Commission ( FTC ) documenting the identity theft incident. This official FTC Identity Theft Report serves as a sworn statement affirming that all Synchrony Bank accounts reporting under my name are unauthorized, fraudulent, and not connected to me in any way.\n\nUnder FCRA 605B, once a consumer submits an identity theft report ( including an FTC affidavit ), furnishers such as Synchrony Bank are legally obligated to : Block fraudulent information.\n\nStop reporting inaccurate accounts.\n\nConduct a reasonable investigation.\n\nRemove unverifiable or fraudulent tradelines.\n\nDespite this, the fraudulent Synchrony Bank accounts remain on my credit file, creating ongoing harm.\n\n3. Summary of All Synchrony Bank Accounts Involved To be clear, every single Synchrony Bank account appearing on my credit report is fraudulent. These include, but may not be limited to : Any Synchrony-issued XXXX account Any Synchrony-issued XXXX Credit account Any Synchrony-issued retail store cards ( e.g., furniture stores, jewelry stores, electronics retailers, home improvement stores, etc. ) Any Synchrony-issued CareCredit or medical financing accounts Any Synchrony-issued credit lines under store-partner brands I do not own, recognize, or have any relationship with these accounts. Any account Synchrony Bank is reporting under my profile is the product of identity theft.\n\nThese fraudulent accounts have harmed my credit by reporting : Charge-offs Late payments Delinquencies High credit utilization Collections Closed derogatory statuses None of these delinquent or derogatory entries reflect my credit behavior. They reflect the actions of an unknown identity thief.\n\n4. Actions I Have Already Taken to Resolve This I have taken every appropriate step a responsible consumer can take when victimized by identity theft : A. Filed an FTC Identity Theft Report This is an official federal document confirming the fraudulent activity.\n\nB. Filed a police report ( when applicable ) I have documented the identity theft with local law enforcement.\n\nC. Placed fraud alerts with all three major bureaus This notifies lenders that my identity has been compromised.\n\nD. Initiated multiple disputes with Experian, Equifax, and TransUnion I formally disputed each Synchrony Bank account as fraudulent.\n\nE. Froze my credit with all bureaus This prevents further fraudulent applications.\n\nF. Requested validation and verification from Synchrony Bank I requested that Synchrony Bank provide : Original signed applications IP addresses used to apply Recorded phone calls ( if any ) Proof of identity used Delivery addresses Transaction history Any contract or agreement bearing my signature Not only has Synchrony Bank failed to provide any original documentation, they have continued to report the fraudulent accounts, violating my rights under the FCRA.\n\n5. Synchrony Bank Failed to Provide Verification or Documentation Under FCRA 611 and FCRA 623, Synchrony Bank is required to verify the accuracy of the information they furnish. When a consumer files an identity theft report, the furnisher must : Conduct a reasonable reinvestigation.\n\nReview all evidence submitted by the consumer.\n\nProvide validation of the account.\n\nRemove information that can not be verified.\n\nSynchrony Bank has not provided : A signed credit application Proof of identity used in account creation Transaction summaries Delivery addresses Evidence showing I opened or benefited from these accounts Because no evidence exists, the accounts must be removed. Continuing to report them violates the FCRA and FDCPA.\n\n6. Synchrony Bank Reporting Has Caused Serious and Ongoing Harm Because of Synchrony Banks continued reporting of these fraudulent accounts, I have suffered measurable, documented harm : Lowered credit scores due to false delinquencies Increased interest rates on existing credit Difficulty obtaining new credit Denials for financial products Stress, anxiety, and emotional distress Damage to my financial reputation Every second that these fraudulent Synchrony Bank accounts remain on my credit file, the damage worsens.\n\n7. Synchrony Bank Failed Its Duty Under the Red Flags Rule The FACT Act Red Flags Rule requires financial institutions to identify, detect, and respond to patterns of identity theft. Synchrony Bank allowed someone to open accounts in my name : Without identity verification With mismatched personal information With suspicious application characteristics Without alerting me Without detecting the fraud This indicates a failure of Synchrony Banks internal controls for detecting and preventing identity theft.\n\n8. Synchrony Bank Automated Verification Through e-Oscar Is Not Legally Sufficient When I disputed these accounts with the credit bureaus, Synchrony Bank responded through the e-Oscar automated system, which simply confirmed the account exists in their system.\n\nUnder the FCRA, this type of investigation is legally inadequate because : It does not examine underlying documentation It does not verify identity It does not evaluate fraud indicators It does not involve a human review It does not confirm authenticity of the application A proper investigation requires reviewing actual evidencenot clicking a verification button.\n\n9. Synchrony Bank Has a Legal Obligation to Block Fraudulent Information Per FCRA 605B, when a consumer submits an identity theft report, a furnisher must : Block the reporting of fraudulent information within 4 business days Stop reporting the account to the credit bureaus Notify the credit bureaus to delete the information Provide documentation of compliance Synchrony Bank did none of these things.\n\n10. Requested Documentation That Synchrony Bank Has Failed to Provide As part of my disputes, I requested that Synchrony Bank produce : Original contracts bearing my signature IP logs from the application submission Device IDs tied to the fraudulent applications Copies of identification allegedly used Address history connected to the accounts Dates of account opening Proof that I activated or used any card Delivery locations of cards, purchases, or statements Synchrony Bank has not produced any such documentation, because these accounts were not opened by me and no legitimate verification materials exist.\n\n11. My Identity Theft Case Meets All FTC and FCRA Legal Standards To legally classify a case as identity theft, the consumer must provide : A signed FTC Identity Theft Report A statement that the accounts are unauthorized Evidence of fraudulent activity I have fulfilled all federal requirements. Synchrony Bank is legally obligated to delete the fraudulent accounts.\n\n12. Synchrony Banks Failure to Remove the Accounts Violates Federal Law By continuing to furnish information it can not verify, Synchrony Bank has violated : FCRA 602 ( A ) accuracy and fairness FCRA 607 ( B ) requirement to follow reasonable procedures FCRA 611 ( a ) reinvestigation failure FCRA 623 ( a ) ( 3 ) duty to report disputes accurately FCRA 623 ( b ) duty of furnishers to investigate FDCPA 807 ( 8 ) reporting false credit information Each day the accounts remain is another violation.\n\n13. I Have Never Had Any Relationship with Synchrony Bank To reiterate clearly : I have never applied for, opened, used, or benefited from any Synchrony Bank account, whether : Retail cards Store financing Promotional financing Credit lines Joint accounts Co-signed accounts I have never authorized Synchrony Bank to open credit in my name. Any accounts currently reporting are fraudulent.\n\n14. Synchrony Bank Must Cease All Reporting Until Verification Is Provided Under the FCRA, a furnisher may not continue reporting information it knows or should know is inaccurate or unverified.\n\nSince Synchrony Bank has produced no proof, further reporting constitutes negligent and willful noncompliance.\n\n15. The Fraudulent Synchrony Bank Accounts Must Be Deleted Immediately Given : The identity theft The FTC report The absence of verification The failure of internal controls The continued inaccurate reporting The harm done to my credit The only appropriate and lawful response is the immediate deletion of all Synchrony Bank accounts from all credit bureaus.\n\n16. Conclusion I have fully documented my identity theft, filed the required reports, disputed every fraudulent account, and requested verification that Synchrony Bank can not provide. Every Synchrony Bank account on my file is the result of identity theft. No evidence exists to validate them. Synchrony Bank has not complied with its obligations under the FCRA.\n\nThese accounts must be deleted.\n\nThey are fraudulent.\n\nI do not own them.\n\nI am an identity theft victim.\n\nI am requesting that the CFPB require Synchrony Bank to take the corrective action required by federal law and remove all fraudulent accounts immediately.","date_sent_to_company":"2025-12-04T18:37:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"10801","tags":null,"has_narrative":true,"complaint_id":"18003824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-12-04T18:28:16.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Synchrony <em>Bank</em> allowed someone to open accounts in my name : Without <em>identity</em> <em>verification</em> With mismatched personal information With suspicious application characteristics Without alerting me Without detecting the fraud This indicates a <em>failure</em> of Synchrony <em>Banks</em> internal controls for detecting and preventing <em>identity</em> theft.\n\n8."]},"sort":[15.03137,"18003824"]},{"_index":"complaint-public-v1","_id":"10374774","_score":14.943184,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this formal complaint regarding TransUnions failure to comply with my dispute letter, submitted onXX/XX/2024. My dispute requested a manual reinvestigation of specific items on my credit report, and I explicitly objected to the use of automated processes, such as XXXX, to verify these disputed items. TransUnion has failed to respond within the 30-day legally mandated period, as required by the Fair Credit Reporting Act ( FCRA ). \n\nSummary of Disputed Items : Late Payments : Accounts include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank , XXXX XXXX Bank , XXXX Financial XXXX XXXX XXXX XXXX XXXX and XXXX State Bank XXXX \nI requested direct verification of the reported late payments, with specific documentation from the original creditors. TransUnion has not responded or provided any verification. \nUnauthorized Hard Inquiries : Inquiries : XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX and others . \nThese inquiries were made without my authorization. I requested removal of these inquiries unless verifiable proof of my consent could be provided, but TransUnion has not responded. \nAccount Inaccuracies ( Charge-Offs ) : Accounts include : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX Bank XXXX \nThese accounts were inaccurately reported as charge-offs. I requested a manual investigation and correction of these inaccuracies, but TransUnion has not responded or corrected the errors. \nCollection Accounts : Accounts include : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. \nI disputed the accuracy of these collection accounts and requested detailed documentation showing how TransUnion verified the information with the original creditors. No response has been provided. \nViolations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 611 ( a ) ) : TransUnion has not conducted a reasonable reinvestigation of the disputed items within the legally required 30-day period. This failure to reinvestigate constitutes a violation of FCRA Section 611 ( a ).\n\nFailure to Provide Documentation ( FCRA Section 609 ( a ) ) : I explicitly requested documentation to support the accuracy of the disputed items, including original contracts, payment histories, and proof of identity. TransUnion has not provided this documentation, violating FCRA Section 609 ( a ).\n\nImproper Use of Automated Systems : I requested a manual reinvestigation, as I objected to the use of automated systems like XXXX for verifying the disputed items. TransUnions failure to provide a manual review violates FCRA Section 611 ( a ). \n\nFailure to Correct Inaccurate Information : Despite my detailed dispute and request for corrections, TransUnion has not removed the incorrect information from my credit report, violating the FCRAs requirement to ensure the accuracy of consumer reports. \n\nImpact : The continued presence of inaccurate information on my credit report has caused : Emotional distress : The stress of unresolved inaccuracies has caused significant anxiety and frustration, negatively impacting my financial well-being. \nFinancial harm : The inaccurate reporting of late payments, charge-offs, and unauthorized hard inquiries has lowered my credit score, resulting in credit denials and higher interest rates. \nLong-term financial impact : The unresolved inaccuracies are preventing me from accessing financial products on fair terms, continuing to harm my creditworthiness. \nRequested Resolution : I request that the CFPB require TransUnion to : Delete all inaccurate late payments, charge-offs, and unauthorized hard inquiries from my credit report. \nProvide detailed documentation showing how each disputed item was verified, including direct verification from the original creditors. \nEnsure all future responses and communications are sent via certified mail, as I explicitly requested in my dispute letter that electronic responses would not be accepted.","date_sent_to_company":"2024-10-07T17:12:44.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"10374774","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-07T17:07:35.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Summary of Disputed Items : Late Payments : Accounts include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX <em>Bank</em> , XXXX XXXX <em>Bank</em> , XXXX Financial XXXX XXXX XXXX XXXX XXXX and XXXX State <em>Bank</em> XXXX \nI requested direct <em>verification</em> of the reported late payments, with specific documentation from the <em>original</em> creditors. TransUnion has not responded or provided any <em>verification</em>."]},"sort":[14.943184,"10374774"]},{"_index":"complaint-public-v1","_id":"13654595","_score":14.934784,"_source":{"product":"Debt collection","complaint_what_happened":"Since XX/XX/year>, I have been disputing this alleged debt. I have been demanding an answer from this debt collector of WHO THE ORIGINAL CREDITOR IS. Per 15 USC 1692g ( b ) : \" If the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' As of today, CITI BANK has not provided who the original creditor is. I have sent validation of debt, cease and desist, affidavit of truth letters via certified mail. CITI BANK claims this has been fully investigated, and the alleged debt is assumed validated. However, this is not true as the original creditor has not been identified by the debt collector. Therefore, the investigation has not been validated for this account and the assumption of it will be considered as false and misleading representations ( 15 US Code 1692e ). Until the identity of the original creditor has been revealed, collection on this account is to be permanently ceased and ultimately desist. Because CITI BANK refuses to identify the original creditor and continues to attempt collection on this account, I demand this account to be discharged, AND any derogatory remarks made to the credit file to be removed immediately. Continuation on attempting to collect on this account will result in multiple United States Code violations. Per 15 US Code 1692k, the debt collector is liable to pay compensation of {$1000.00} per violation. Failure to properly perform investigations to identify the original creditor will ultimately result in litigation being pursued. \n\nCITI BANK is in violation of at least ( 10 ) FEDERALLY PROTECTED CONSUMER RIGHTS willfully and knowingly, and are to be held civilly liable for each violation that are listed below.\n\n1. 15 U.S. Code 1681.\n\n2. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ).\n\n3. 15 U.S. Code 1692 4. 15 U.S. Code 1601 5. 15 U.S. Code 6802 6. 15 U.S. Code 552a ( 4 ) 7. 15 U.S. Code 1666 ( b ) 8. 15 U.S. Code 1692d 9. 15 U.S. Code 1692e 10. 15 U.S. Code 1692g ( b ) Any general statements about this investigation being fully investigated and validated without identifying the original creditor will not be valid/accepted. If CITI BANK claims they are the original creditor, please provide full documentation showing this including but not limited to : the receipts to the withdrawal of the Federal Reserve Notes from the debt collectors bank account, a receipt of where the Federal Reserve Notes came from being deposited into the debt collectors bank account, the copy of the original indorsed promissory note that was submitted to the XXXX XXXX XXXX XXXX in exchange for Federal Reserve Notes and also provide the individual who authorized this. This individual will be identified as the person who is holding me under involuntary servitude as I do not consider this contract to be beneficial, and I do not volunteer to be held as a servant. Please be advised, a valid contract requires consideration to be enforced. Please also be advised the 13th amendment abolishes involuntary servitude. \n\nPlease govern yourself accordingly.","date_sent_to_company":"2025-05-22T12:45:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"130XX","tags":null,"has_narrative":true,"complaint_id":"13654595","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-05-22T12:41:01.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Code 1692g ( b ) Any general statements about this <em>investigation</em> being fully <em>investigated</em> and validated without identifying the <em>original</em> creditor will not be valid/accepted."]},"sort":[14.934784,"13654595"]},{"_index":"complaint-public-v1","_id":"20988820","_score":14.929656,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this formal rebuttal in response to Comenity Bank and Comenity Capital Banks correspondence regarding the XXXX  Credit Card account and XXXX XXXX XXXX Credit Card account. After reviewing your response, I must clearly state that your position is incomplete, legally insufficient, and fails to address the core issuethat these accounts do not belong to me and are the result of identity theft. \n\nYour response states that you have verified the accounts and will continue reporting them. However, you have failed to provide any documentation proving that I am the lawful owner of these accounts. Instead, you rely on a generalized claim of verification without supporting evidence. \n\nAs stated in your letter, you claim : weve verified that were reporting the account correctly to the credit reporting agencies and similarly : we decline your request to remove our reporting because weve verified that were reporting the account correctly These statements are not sufficient under federal law.\n\n1. Failure to Provide Proof of Ownership At no point in your response have you provided : A signed contract bearing my signature The original application used to open the account Any identity verification used at the time of account opening Any documentation linking me directly to the account Without this, your claim of verification is meaningless. \nUnder the Fair Credit Reporting Act ( FCRA ), verification requires actual evidencenot internal assumptions or automated confirmations.\n\nIf you can not produce a signed agreement or equivalent proof, then you can not lawfully claim that this account belongs to me.\n\n2. Improper Reliance on Verification Without Documentation Your response repeatedly states that the account has been verified, yet you fail to disclose : The method of verification used The system or data source relied upon Whether verification was conducted electronically ( e-Oscar ) or manually The documentation reviewed Under FCRA 611 ( a ) ( 6 ), I am entitled to the Method of Verification.\n\nA generic statement of verification does not meet this requirement.\n\n3. Identity Theft Has Not Been Addressed You completely failed to address the most important aspect of this case : This is an identity theft claim I have clearly stated that : I do not own these accounts I did not open or authorize these accounts I filed an FTC Identity Theft Report Under FCRA 605B, once identity theft is reported, you are required to : Block the reporting of fraudulent accounts Remove them from my credit file Instead, you ignored this obligation and continued reporting.\n\nThis is a direct violation of federal law.\n\n4. Improper Deflection to XXXX XXXX XXXX XXXX response instructs me to contact XXXX XXXX XXXX : please contact XXXX XXXX XXXX for documents This is unacceptable. \n\nYou are the original creditor. You : Issued the account Created the account records Reported the account to credit bureaus You can not shift your legal responsibility to a third-party collector. \nIf you can not validate the account yourself, then you should not be reporting it.\n\n5. Disputed Status Is NOT a Resolution You state that you have notified credit bureaus that the account is disputed.\n\nThis is not a resolution. \n\nMarking an account as disputed : Does not remove the account Does not correct inaccuracies Does not prevent credit damage It simply acknowledges disagreement while continuing harm.\n\nThis does not meet FCRA requirements.\n\n6. Updating Account Numbers Does Not Address the Issue You stated that you requested Equifax to update the account number : we requested Equifax update your account number This is irrelevant.\n\nThe issue is not the formatting of the account number.\n\nThe issue is that the account does not belong to me.\n\nUpdating account details does not resolve identity theft.\n\n7. Legal Violations and Non-Compliance Your actions violate multiple provisions of federal law, including : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.\n\nFCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation.\n\nFCRA 1681s-2 ( b ) Failure to properly investigate a disputed account.\n\nFCRA 605B Failure to block identity theft accounts.\n\n8. My Position ( Clear and Final ) Let me be absolutely clear : I do not own any Comenity Bank accounts I do not own any Comenity Capital Bank accounts I did not authorize any XXXX  or XXXX accounts These accounts are fraudulent Your inability to provide documentation confirms this.\n\n9. Formal Demand for Resolution I am demanding the following actions immediately : 1. Full Deletion of All Comenity Accounts Remove all Comenity Bank and Comenity Capital Bank tradelines from all credit bureaus.\n\n2. Removal of All Derogatory Information Delete all associated : Late payments Charge-offs Negative remarks 3. Written Confirmation Provide written confirmation of : Deletion Date of removal Notification to all credit bureaus 4. Method of Verification Provide full disclosure of : How the account was verified What documentation was used XXXX. Proof of Ownership ( If You Continue to Claim Validity ) Provide : Signed contract Application Identity verification records If you can not provide this, the account must be deleted. \n\n10. Notice of Escalation If this matter is not resolved, I will pursue further action, including : Additional CFPB complaints Complaints with the Federal Trade Commission State Attorney General complaint Legal action for FCRA violations 11. Final Statement Your response fails to meet the legal standard required under federal law.\n\nYou have not provided proof.\n\nYou have not addressed identity theft.\n\nYou have not complied with FCRA requirements. \n\nA dispute notation is not a resolution. \nA referral to XXXX is not a resolution. \nA claim of verification without evidence is not a resolution. \n\nThe only acceptable resolution is : Full deletion of the fraudulent accounts from my credit report Until that happens, this matter remains unresolved.","date_sent_to_company":"2026-04-06T21:24:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"63031","tags":null,"has_narrative":true,"complaint_id":"20988820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2026-04-06T21:18:51.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Updating account details does not resolve <em>identity</em> theft.\n\n7. 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