{"took":189,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3019,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17870518","_score":14.875974,"_source":{"product":"Checking or savings account","complaint_what_happened":"Unauthorized control of accounts without subpoena or notice Illegal release of funds and halting of trading activity Denial of access to credit/financial services ( de-banking ) Potential violations of XXXX rules XXXX Regulation P, and federal due process laws Requested Actions : XXXX. Immediate acknowledgment of receipt. \nXXXX. Investigation by your Compliance Department or XXXX Escalation Office. \nXXXX. Written response within XXXX hours outlining findings, rationale, and corrective measures. \nXXXX. Confirmation that all future actions will comply with federal law, internal policies, and regulatory obligations.","date_sent_to_company":"2025-12-09T14:07:59.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"919XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17870518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-18T19:09:07.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Unauthorized control of accounts without subpoena or notice Illegal release of funds and halting of trading activity Denial of access to credit/financial services ( de-banking ) Potential <em>violations</em> of XXXX rules XXXX Regulation P, and federal due process laws Requested Actions : XXXX. Immediate acknowledgment of receipt. \nXXXX. <em>Investigation</em> by your Compliance Department or XXXX Escalation <em>Office</em>. \nXXXX."]},"sort":[14.875974,"17870518"]},{"_index":"complaint-public-v1","_id":"13997004","_score":14.319738,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, XXXX unauthorized Cash App transactions totaling {$4900.00} were debited from my USAA checking account. I reported the transactions immediately, the same day, explaining that I had been scammed. USAA issued provisional credits while investigating, then reversed those credits on XX/XX/XXXX, claiming the transactions were authorized and that no fraud had occurred. \n\nI dispute this conclusion in the strongest possible terms. These transactions were part of a scam, and I was in a mentally vulnerable state at the time. I am a disabled veteran with documented neurological and psychological impairments, and I clearly informed USAA of this. Their investigation failed to consider this context and lacked transparency. \n\nToday, on XX/XX/year>, a representative from XXXX XXXX XXXX contacted me directly. They reiterated that the bank considers me liable for the transactions and declared that the matter is now closed. No new evidence was offered. No further consideration was given to my medical circumstances, the timing of my report, or my vulnerability. \n\n\n\nLegal and Regulatory Violations : 12 CFR 1005.6 ( Reg E ) I reported the unauthorized activity within XXXX business days. Under Reg E, I should be liable for no more than {$50.00}. \n12 CFR 1005.11 USAAs investigation lacked transparency and fairness, violating the requirements for prompt, thorough, and reasonable dispute handling.\n\nEqual Credit Opportunity Act ( ECOA ) By ignoring my disclosed medical vulnerabilities, USAA may be in violation of their obligations under ECOA and general fiduciary duty.\n\nAmericans with Disabilities Act ( ADA ) implications There may be a broader pattern of USAA not accommodating the cognitive impairments or mental disabilities of customers. \n\n\n\nRequested Relief : Immediate reopening of the case and a fair, medically-informed reassessment Reinstatement of the {$4900.00} in losses due to scam Review of XXXX dispute handling practices regarding vulnerable consumers Referral to enforcement staff for possible regulatory violations I am also submitting this case to the Office of the Comptroller of the Currency, the office of Congresswoman XXXX XXXX XXXX and my legal counsel. I request CFPBs urgent assistance in securing justice in this matter.","date_sent_to_company":"2025-06-10T17:25:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"79904","tags":"Servicemember","has_narrative":true,"complaint_id":"13997004","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-06-10T17:01:02.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Legal and <em>Regulatory</em> <em>Violations</em> : 12 CFR 1005.6 ( Reg E ) I reported the unauthorized activity within XXXX business days. Under Reg E, I should be liable for no more than {$50.00}. \n12 CFR 1005.11 USAAs <em>investigation</em> lacked transparency and fairness, <em>violating</em> the requirements for prompt, thorough, and reasonable dispute handling."]},"sort":[14.319738,"13997004"]},{"_index":"complaint-public-v1","_id":"16749166","_score":14.010823,"_source":{"product":"Credit card","complaint_what_happened":"WHAT HAPPENED : BANK OF AMERICA CONTINUES TO VIOLATE MY RIGHTS UNDER THE FDCPA AND CALIFORNIA ROSENTHAL ACT BY IGNORING MY WRITTEN-ONLY COMMUNICATION REQUEST. DESPITE MULTIPLE EMAILS AND FILINGS, INCLUDING AN ACTIVE CASE REFERRED TO THE OFFICE OF THE COMPTROLLER OF THE CURRENCY ( OCC ), THE BANKS REPRESENTATIVE, TREA SO FROM THE ENTERPRISE RESOLUTION DEPARTMENT, CONTINUES TO DIRECT ME TO CALL COLLECTIONS AS THEY continue with the late fees.\n\nTHIS IS A DIRECT VIOLATION OF MY LEGAL RIGHT TO WRITTEN COMMUNICATION ONLY. BANK OF AMERICA HAS ALSO CONTINUED TO ADD LATE FEES TO MY ACCOUNT DURING AN ACTIVE REGULATORY INVESTIGATION, WHICH SHOWS BAD FAITH AND RETALIATORY CONDUCT. I HAVE PROVIDED EVIDENCE OF THESE ACTIONS TO THE OCC AND DFPI.\n\nI AM REQUESTING THAT THE CFPB DOCUMENT THIS AS A CONTINUING VIOLATION AND ENSURE THAT BANK OF AMERICA IS HELD ACCOUNTABLE FOR IGNORING FEDERAL LAW, ACTIVE COMPLAINTS, AND CONSUMER RIGHTS.","date_sent_to_company":"2025-10-22T23:00:46.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"16749166","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-10-22T20:58:46.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["THIS IS A DIRECT <em>VIOLATION</em> OF MY LEGAL RIGHT TO WRITTEN COMMUNICATION ONLY. BANK OF AMERICA HAS ALSO CONTINUED TO ADD LATE FEES TO MY ACCOUNT DURING AN ACTIVE <em>REGULATORY</em> <em>INVESTIGATION</em>, WHICH SHOWS BAD FAITH AND RETALIATORY CONDUCT. I HAVE PROVIDED EVIDENCE OF THESE ACTIONS TO THE OCC AND DFPI.\n\nI AM REQUESTING THAT THE CFPB DOCUMENT THIS AS A CONTINUING <em>VIOLATION</em> AND ENSURE THAT BANK OF AMERICA IS HELD ACCOUNTABLE FOR IGNORING FEDERAL LAW, ACTIVE COMPLAINTS, AND CONSUMER RIGHTS."]},"sort":[14.010823,"16749166"]},{"_index":"complaint-public-v1","_id":"16761680","_score":13.954841,"_source":{"product":"Credit card","complaint_what_happened":"I am a long-time USAA member disputing fraudulent credit-card charges that occurred XXXX XXXX XXXX totaling {$760.00}. \nDespite filing a XXXX Police Department report ( # XXXX ) and an FTC identity-theft report ( # XXXX ), USAA re-debited my account, claiming that because I had the card in my possession, I made the charges. The transactions occurred within roughly XXXX hours across multiple merchants in XXXX, XXXX, XXXX, XXXX, and XXXX it physically impossible for one person to complete them all. \nNo merchant receipts, timestamps, or surveillance footage were reviewed or disclosed. In 2025, XXXX XXXX, acting on USAAs behalf, issued a {$320.00} check citing inconsistent bank processes. This partial restitution confirms internal acknowledgment of error but did not cover the full amount or correct the flawed investigation. \nIn XX/XX/year>, XXXX from USAAs CEO Office called me. During our conversation, she reaffirmed the prior decision that I made the charges because I had possession of the card, without addressing the clear regulatory non-compliance or the missing transaction timestamps and merchant-location data that prove physical impossibility. When I attempted to send a follow-up email to her for written documentation, the address provided was invalid and my message bounced back. \nRegulatory non-compliance : USAA failed to perform a reasonable investigation as required by Regulation Z ( 12 C.F.R. 1026.13 ) and Regulation E ( 12 C.F.R. 1005.11 ), which mandate review of relevant evidence ( such as time, location, and merchant data ) before assigning liability. \nBy denying my claim without reviewing timestamps, location data, or police documentation, USAA violated the CFPBs UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) standards under 12 U.S.C. 55315536.\n\nThe invalid executive-office contact channel further obstructed my ability to obtain timely written acknowledgment as required under 12 C.F.R. 1026.13 ( d ) ( 1 ). \nI request : Full reimbursement of the remaining {$440.00} plus any related interest or fees. \nCopies of all merchant timestamps, investigation records, and internal correspondence between USAA and FTI Consulting.\n\nRegulatory review of USAAs fraud-investigation and executive-escalation procedures for compliance with Reg Z, Reg E , and UDAAP .","date_sent_to_company":"2025-10-22T05:42:35.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94596","tags":"Servicemember","has_narrative":true,"complaint_id":"16761680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-10-22T05:34:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["<em>Regulatory</em> review of USAAs fraud-<em>investigation</em> and executive-escalation procedures for compliance with Reg Z, Reg E , and UDAAP ."]},"sort":[13.954841,"16761680"]},{"_index":"complaint-public-v1","_id":"12159494","_score":13.811631,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Reporting of Civil Liability for Negligence and Non-Compliance I am writing to formally report an issue related to civil liability for negligence and non-compliance that I believe warrants your investigation. \n\nExperian and XXXX XXXX have not removed negative accounts from my credit after I submitted proper disputes and I need this situation handled correctly and fairly. My credit is being misused and I understand that there is a lawsuit currently due to the companies not removing negative accounts as they are supposed to be doing. \n\nGiven the nature of this situation, I believe it is in the public interest that the appropriate measures are taken to ensure compliance and prevent further issues. I kindly request that your office investigate this matter to determine if any violations of regulatory standards have occurred. \nShould you require any further information or documentation to assist with your investigation, please do not hesitate to contact me. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-21T10:22:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33647","tags":null,"has_narrative":true,"complaint_id":"12159494","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-21T10:21:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I kindly request that your <em>office</em> <em>investigate</em> this matter to determine if any <em>violations</em> of <em>regulatory</em> standards have occurred. \nShould you require any further information or documentation to assist with your <em>investigation</em>, please do not hesitate to contact me. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX"],"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":[13.811631,"12159494"]},{"_index":"complaint-public-v1","_id":"13462388","_score":13.789671,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a formal complaint against Hunter Warfield INC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and unlawful debt collection activity. \n\nI received communication from the above-named collection agency regarding an alleged debt with account number XXXX. I do not recognize this debt and immediately sent a written dispute and request for validation per my rights under 15 U.S.C. 1692g. \n\nDespite this, the agency has : Continued collection efforts without providing any proof of the debt ; Threatened or harassed me, directly or indirectly ; Reported the alleged debt to credit reporting agencies without proper validation or marking it as disputed, in violation of FCRA guidelines. \n\nThese actions are illegal and unethical. I am requesting that your office investigate this matter and take the appropriate regulatory or enforcement actions against Hunter Warfield INC.\n\nThank You.","date_sent_to_company":"2025-05-22T16:29:35.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"75104","tags":"Servicemember","has_narrative":true,"complaint_id":"13462388","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2025-05-13T00:06:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Despite this, the agency has : Continued collection efforts without providing any proof of the debt ; Threatened or harassed me, directly or indirectly ; Reported the alleged debt to credit reporting agencies without proper validation or marking it as disputed, in <em>violation</em> of FCRA guidelines. \n\nThese actions are illegal and unethical. I am requesting that your <em>office</em> <em>investigate</em> this matter and take the appropriate <em>regulatory</em> or enforcement actions against Hunter Warfield INC.\n\nThank You."]},"sort":[13.789671,"13462388"]},{"_index":"complaint-public-v1","_id":"13533152","_score":13.619337,"_source":{"product":"Student loan","complaint_what_happened":"To date, I have received no satisfactory resolution or response to my initial demand.\n\nFERPA strictly prohibits unauthorized access, modification, or deletion of student records without explicit consent. Your failure to properly address my dispute is a direct violation of federal law and may result in severe penalties, including legal and regulatory consequences.\n\n# # # I am escalating my demands and require the following actions within 15 days : 1. Comprehensive Investigation A full, written report of all findings regarding unauthorized access and data tampering.\n\n2. Full Data Disclosure A detailed list of individuals or entities ( including Doge or Musk-affiliated organizations ) that accessed or altered my records.\n\n3. Immediate Data Restoration Full correction of my records, with an official statement verifying that my loan data has been restored to its original, accurate state.\n\n4. Formal Written Compliance Assurance A signed confirmation stating that my records will remain FERPA-compliant and fully protected moving forward.\n\nIf I do not receive compliance within 15 days, I will escalate this dispute immediately by taking the following actions : File a formal FERPA complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ).\n\nSubmit a complaint to the Consumer Financial Protection Bureau ( CFPB ) for deceptive practices regarding student loan record handling.\n\nReport your noncompliance to the State Attorney Generals Office for consumer rights violations.\n\nPursue legal action for damages incurred due to your failure to protect my student loan data. \nThis is your final opportunity to resolve this issue before facing further regulatory and legal action. I expect a written response within 15 days confirming all corrective measures taken.","date_sent_to_company":"2025-05-15T05:57:15.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"49504","tags":null,"has_narrative":true,"complaint_id":"13533152","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-05-15T05:54:00.000Z","state":"MI","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Your failure to properly address my dispute is a direct <em>violation</em> of federal law and may result in severe penalties, including legal and <em>regulatory</em> consequences.\n\n# # # I am escalating my demands and require the following actions within 15 days : 1. Comprehensive <em>Investigation</em> A full, written report of all findings regarding unauthorized access and data tampering.\n\n2."]},"sort":[13.619337,"13533152"]},{"_index":"complaint-public-v1","_id":"13453422","_score":13.566183,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XX/XX/XXXX, Chase Bank allowed a {$50000.00} transfer from my personal checking account without my authorization. This was done using my Social Security number and date of birth, by a third party ( XXXX XXXX ). Chase failed to detect the fraud, mishandled the investigation, and refused to reverse the transaction. Despite escalating to the executive office, they have avoided responsibility.\n\nAdditionally, Chase refuses to provide written confirmation that a {$700000.00} deposit in XXXX originated from an account held by XXXX XXXX, despite my documentation and verbal confirmation from bank staff. This evidence is critical for a legal matter scheduled for XX/XX/XXXX. \n\nChases failure to act violates consumer protections under the Gramm-Leach-Bliley Act and has exposed me to significant financial and legal harm. I request regulatory intervention.","date_sent_to_company":"2025-05-11T15:45:42.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94596","tags":null,"has_narrative":true,"complaint_id":"13453422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-05-11T15:35:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Chases failure to act <em>violates</em> consumer protections under the Gramm-Leach-Bliley Act and has exposed me to significant financial and legal harm. I request <em>regulatory</em> intervention."]},"sort":[13.566183,"13453422"]},{"_index":"complaint-public-v1","_id":"11228399","_score":13.537773,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX T o Experians Back Office T eam, I am writing to formally address your blatant and egregious violations of my rights under the Fair Credit Reporting Act ( FCRA ). Your actionsincluding the fabrication of dispute results, maintenance of hidden records, and failure to conduct reasonable investigationsare not only unlawful but also cause significant harm to my financial stability, reputation, and emotional well-being. \nYour misconduct exposes Experian to severe civil penalties, regulatory consequences, and reputational damage. It is imperative that you immediately rectify these violations and take corrective action to ensure full compliance with the FCRA. \nReport Number Date Generated XXXX XX/XX/year> XXXX. Fabrication of Dispute Results for Nonexistent Disputes I have received dispute results from Experian containing fabricated data, including addresses that I never disputed and that are not part of my official consumer report. This fraudulent practice violates my rights under the FCRA by : Generating dispute results for items that were never disputed.\n\nIncluding fabricated and hidden records that are not visible on my credit report.\n\nKey Violations : 15 U.S.C. 1681g : You are required to provide me with access to all information in my credit file.\n\n15 U.S.C. 1681i ( a ) : You must conduct accurate and reasonable investigations into disputes.\n\nBy fabricating dispute results, you create the false appearance of resolving disputes while concealing your failure to properly investigate. This is nothing short of fraud and carries severe penalties under federal law, including : Statutory damages of up to {$1000.00} per individual violation. \nActual damages for financial and emotional harm caused by false dispute results. \nPunitive damages for willful noncompliance, which can result in significant financial liability.\n\n2. Unlawful Maintenance of Parallel Records ( Back Office Files ) The discrepancies between my official credit report and the fabricated dispute results strongly suggest that Experian is maintaining hidden or parallel records tied to my identity. This back office file appears to contain unauthorized, outdated, or fabricated information.\n\nSuch practices directly violate the FCRAs transparency and accuracy requirements : 15 U.S.C. 1681e ( b ) : You are required to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports.\n\n15 U.S.C. 1681g ( a ) : You must provide consumers with access to all information maintained about them.\n\nBy maintaining a hidden database, you undermine the integrity of the credit reporting system and violate my rights as a consumer. This practice exposes Experian to massive civil penalties and increases the likelihood of regulatory and legal action, including : Substantial fines by the CFPB and FTC for systemic violations.\n\nClass action liability for maintaining unauthorized records that harm consumers. \n3. Failure to Conduct a Reasonable Investigation Experian has consistently failed to conduct a reasonable investigation into my legitimate disputes. Instead, your response has been to claim that the disputed data is verified and accurate without providing any proof. Specifically : You have failed to provide verifiable documentation from furnishers supporting the validity of unauthorized information, including : Unauthorized addresses : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, RI XXXX were never on my report Unauthorized accounts : XXXX XXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX, Account : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Remains Account XXXX 15 U.S.C. 1681i ( a ) : A reasonable investigation requires independent verification of disputed items. Simply reiterating unverifiable information from furnishers is inadequate and unlawful.\n\nYour refusal to properly investigate my disputes has caused significant harm to my credit standing and financial opportunities. It is clear that Experian is intentionally avoiding accountability, further compounding your liability under federal law. \nGrand Penalties for Noncompliance and Fabrication Experians systemic violations of the FCRA expose the company to severe legal and regulatory consequences, including : 1. Civil Liability : Statutory damages of {$1000.00} per violation.\n\nActual damages for harm caused by false reporting, fabrication, and negligence.\n\nPunitive damages for willful noncompliance, with no statutory cap.\n\n2. Regulatory Enforcement : The CFPB and FTC may impose substantial fines for systemic violations, with penalties exceeding {$10000.00} per instance of misconduct.\n\nState Attorneys General may pursue additional actions for deceptive and fraudulent practices.\n\n3. Class Action Exposure : The maintenance of hidden records and fabricated dispute results could trigger multi-billion-dollar class-action lawsuits with devastating financial consequences.\n\n4. Loss of Public Trust and Reputation : Your repeated and deliberate violations erode consumer trust and damage Experians credibility with regulators, furnishers, and the public.\n\n5. Class Action Exposure : Systemic issues, such as hidden records and fabricated dispute results, expose Experian to multi-billion-dollar class-action liability. \nRemove all unauthorized, and accounts from credit reporT","date_sent_to_company":"2024-12-20T18:56:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33993","tags":null,"has_narrative":true,"complaint_id":"11228399","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-20T18:45:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This practice exposes Experian to massive civil penalties and increases the likelihood of <em>regulatory</em> and legal action, including : Substantial fines by the CFPB and FTC for systemic <em>violations</em>.\n\nClass action liability for maintaining unauthorized records that harm consumers. \n3. Failure to Conduct a Reasonable <em>Investigation</em> Experian has consistently failed to conduct a reasonable <em>investigation</em> into my legitimate disputes."]},"sort":[13.537773,"11228399"]},{"_index":"complaint-public-v1","_id":"16298088","_score":13.512001,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit reporting, I am submitting this rebuttal to formally document that both Experian and TransUnion have refused to respond to my complaint through the CFPB process. I contacted each company directly and escalated the issue to my state Attorney Generals office. Despite these efforts, both companies declined to cooperate or investigate the matter.This complaint involves a failure to properly investigate an existing credit reporting issue, which may constitute a violation of the Fair Credit Reporting Act ( FCRA ). Their refusal to engage in any resolution process has caused ongoing harm and undermines consumer protections.I request that the CFPB flag this pattern of noncompliance for supervisory review and consider further regulatory action. I am also pursuing additional remedies through the FTC and legal channels. \n\nYou believe the issue remains unresolved and harmful Request that CFPB flag this pattern for supervisory review.","date_sent_to_company":"2025-10-01T14:11:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38654","tags":"Older American","has_narrative":true,"complaint_id":"16298088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-01T14:10:45.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I contacted each company directly and escalated the issue to my state Attorney Generals <em>office</em>. Despite these efforts, both companies declined to cooperate or <em>investigate</em> the matter.This complaint involves a failure to properly <em>investigate</em> an existing credit reporting issue, which may constitute a <em>violation</em> of the Fair Credit Reporting Act ( FCRA )."],"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":[13.512001,"16298088"]},{"_index":"complaint-public-v1","_id":"16297970","_score":13.512001,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit reporting, I am submitting this rebuttal to formally document that both Experian and TransUnion have refused to respond to my complaint through the CFPB process. I contacted each company directly and escalated the issue to my state Attorney Generals office. Despite these efforts, both companies declined to cooperate or investigate the matter.This complaint involves a failure to properly investigate an existing credit reporting issue, which may constitute a violation of the Fair Credit Reporting Act ( FCRA ). Their refusal to engage in any resolution process has caused ongoing harm and undermines consumer protections.I request that the CFPB flag this pattern of noncompliance for supervisory review and consider further regulatory action. I am also pursuing additional remedies through the FTC and legal channels. \n\nYou believe the issue remains unresolved and harmful Request that CFPB flag this pattern for supervisory review.","date_sent_to_company":"2025-10-01T14:11:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38654","tags":"Older American","has_narrative":true,"complaint_id":"16297970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-01T13:46:15.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I contacted each company directly and escalated the issue to my state Attorney Generals <em>office</em>. Despite these efforts, both companies declined to cooperate or <em>investigate</em> the matter.This complaint involves a failure to properly <em>investigate</em> an existing credit reporting issue, which may constitute a <em>violation</em> of the Fair Credit Reporting Act ( FCRA )."],"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":[13.512001,"16297970"]},{"_index":"complaint-public-v1","_id":"11501586","_score":13.488456,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally request an investigation into XXXX XXXX for potential violations of regulations governing financial institutions, including possible violations of XXXX rules, in connection with the handling of my brokerage account. Their repeated delays, lack of transparency, and failure to release my funds have caused significant financial and emotional distress, and I believe their actions warrant immediate scrutiny. \n\nI opened an account with XXXX XXXX on XX/XX/year>, and shortly thereafter, my account was subjected to restrictions. Despite adhering to all instructions provided by XXXX XXXX, including a visit to their branch office to provide my identification and verify my account, they have continued to impose restrictions and deny access to my funds. \n\nOn XX/XX/year>, I visited XXXX XXXX XXXX XXXX, PA office and presented all requested identification documents. Their staff confirmed that my identity had been successfully verified. However, even after fulfilling these requirements, XXXX XXXX has continued to find reasons to delay the release of my funds and the reactivation of my account. \n\nTheir representatives have failed to provide a clear explanation for these restrictions or a timeline for resolution. This lack of transparency and prolonged delay raises significant concerns about their compliance with applicable financial regulations and fair treatment of customers. \n\nI respectfully request that the CFPB investigate XXXX XXXX  practices to ensure they are in compliance with all regulatory requirements and consumer protection laws. Their actions have not only caused undue hardship but also highlight systemic issues that may affect other customers. \n\nThank you for your time and attention to this matter. I am available to provide any additional documentation or details to support your investigation.","date_sent_to_company":"2025-01-24T17:26:29.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"194XX","tags":null,"has_narrative":true,"complaint_id":"11501586","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-01-13T20:40:33.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I am writing to formally request an <em>investigation</em> into XXXX XXXX for potential <em>violations</em> of regulations governing financial institutions, including possible <em>violations</em> of XXXX rules, in connection with the handling of my brokerage account. Their repeated delays, lack of transparency, and failure to release my funds have caused significant financial and emotional distress, and I believe their actions warrant immediate scrutiny."]},"sort":[13.488456,"11501586"]},{"_index":"complaint-public-v1","_id":"13481675","_score":13.478574,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a formal complaint against LVNV FUNDING LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and unlawful debt collection activity. \n\nOn or about [ insert date ], I received communication from the above-named collection agency regarding an alleged debt with account number XXXXXXXX XXXX XXXX XXXX XXXX. I do not recognize this debt and immediately sent a written dispute and request for validation per my rights under 15 U.S.C. 1692g. \n\nDespite this, the agency has : Continued collection efforts without providing any proof of the debt ; Threatened or harassed me, directly or indirectly ; Reported the alleged debt to credit reporting agencies without proper validation or marking it as disputed, in violation of FCRA guidelines. \n\nThese actions are illegal and unethical. I am requesting that your office investigate this matter and take the appropriate regulatory or enforcement actions against LVNV FUNDING LLC","date_sent_to_company":"2025-05-13T23:50:07.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"75104","tags":"Servicemember","has_narrative":true,"complaint_id":"13481675","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-05-13T23:45:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Despite this, the agency has : Continued collection efforts without providing any proof of the debt ; Threatened or harassed me, directly or indirectly ; Reported the alleged debt to credit reporting agencies without proper validation or marking it as disputed, in <em>violation</em> of FCRA guidelines. \n\nThese actions are illegal and unethical. I am requesting that your <em>office</em> <em>investigate</em> this matter and take the appropriate <em>regulatory</em> or enforcement actions against LVNV FUNDING LLC"]},"sort":[13.478574,"13481675"]},{"_index":"complaint-public-v1","_id":"13486858","_score":13.43415,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a formal complaint against XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) and unlawful debt collection activity. \n\nI received communication from the above-named collection agency regarding an alleged debt with account number XXXX XXXX XXXX. I do not recognize this debt and immediately sent a written dispute and request for validation per my rights under 15 U.S.C. 1692g.\n\nDespite this, the agency has : Continued collection efforts without providing any proof of the debt ; Threatened or harassed me, directly or indirectly ; Reported the alleged debt to credit reporting agencies without proper validation or marking it as disputed, in violation of FCRA guidelines. \n\nThese actions are illegal and unethical. I am requesting that your office investigate this matter and take the appropriate regulatory or enforcement actions against [ XXXX XXXX XXXX XXXX ].","date_sent_to_company":"2025-05-13T23:42:02.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"75104","tags":"Servicemember","has_narrative":true,"complaint_id":"13486858","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Omega RMS, LLC","date_received":"2025-05-13T23:33:01.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Despite this, the agency has : Continued collection efforts without providing any proof of the debt ; Threatened or harassed me, directly or indirectly ; Reported the alleged debt to credit reporting agencies without proper validation or marking it as disputed, in <em>violation</em> of FCRA guidelines. \n\nThese actions are illegal and unethical. I am requesting that your <em>office</em> <em>investigate</em> this matter and take the appropriate <em>regulatory</em> or enforcement actions against [ XXXX XXXX XXXX XXXX ]."]},"sort":[13.43415,"13486858"]},{"_index":"complaint-public-v1","_id":"21905978","_score":13.428135,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2026, a {$94.00} transaction was authorized to a merchant who failed to deliver goods and subsequently admitted to the debt in writing before obstructing all communication. I initiated a dispute on XX/XX/2026, which the bank has repeatedly denied using legacy policies that bypass current federal mandates. \n\nIn a final written response dated XX/XX/2026, FNBOs Office of the President made several admissions of regulatory non-compliance : Rejection of Federal Standards : The bank explicitly claimed that \" XXXX rules do not apply to purchases made using XXXX ''. This is a direct rejection of the XX/XX/2026 Phase 1 Framework, which mandates risk-management and coordination for \" False Pretenses '' in credit-push payments.\n\nAdmitted Failure to Investigate : The bank admitted in writing that \" there is no additional documentation to provide '' regarding their investigation. This confirms the bank failed to maintain a required audit trail or conduct a \" reasonable investigation '' as mandated by Regulation E.\n\nRegulatory Defiance : During a recorded supervisor call on XX/XX/2026, a manager ( Ext : XXXX ) stated that \" bank policy succeeds federal law, '' which is a violation of 15 U.S.C. 1693l.\n\nDespite the merchant 's written admission of non-delivery, FNBO refuses to utilize the recovery tools provided by the XXXX  federal framework, claiming they have \" no further recourse ''. I am requesting a forensic audit of FNBOs dispute department for systemic non-compliance with the XX/XX/2026 fraud standards.","date_sent_to_company":"2026-05-05T20:12:24.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"68144","tags":null,"has_narrative":true,"complaint_id":"21905978","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF OMAHA","date_received":"2026-05-05T19:48:51.000Z","state":"NE","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Admitted Failure to <em>Investigate</em> : The bank admitted in writing that \" there is no additional documentation to provide '' regarding their <em>investigation</em>. This confirms the bank failed to maintain a required audit trail or conduct a \" reasonable <em>investigation</em> '' as mandated by Regulation E.\n\n<em>Regulatory</em> Defiance : During a recorded supervisor call on XX/XX/2026, a manager ( Ext : XXXX ) stated that \" bank policy succeeds federal law, '' which is a <em>violation</em> of 15 U.S.C. 1693l."]},"sort":[13.428135,"21905978"]},{"_index":"complaint-public-v1","_id":"7856045","_score":13.427544,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is NOT THE SAME CASE OR DISPUTE Dear Chase Bank Customer Relations, I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the outcome of your recent review of the unauthorized XXXX transactions associated with my account, as detailed in your letter dated [ Date ] ( attached for reference ). \n\nUpon careful examination of your response, I must assert my disagreement with your findings and bring attention to critical aspects of this case that, in my opinion, warrant further investigation and reconsideration. \n\nXXXX. Lack of XXXX Agreements Upon Account Creation : It has come to my attention that, despite your assertions, I was not provided with the XXXX Service Agreement and Privacy Notice upon the creation of my Chase bank account. This omission is a clear violation of regulatory standards and hinders my ability to make informed decisions about utilizing the XXXX service. \n\nRegulatory Violations : Regulation E ( Electronic Fund Transfer Act ) : The failure to provide clear and accessible information about the XXXX service at the account creation stage is a breach of Regulation E, which requires financial institutions to provide consumers with proper disclosures. \nXXXX. Unjust Denial of Claims and Identity Theft : Your denial of the claims associated with my account is deeply troubling, especially considering the circumstances surrounding the unauthorized XXXX transactions. I would like to emphasize the following points : Lack of Visual or Biological Evidence : Chase Bank lacks visual or biological evidence linking me to the alleged unauthorized transactions. My phone was stolen, and despite providing a police report, I have not been afforded the appropriate consideration. \nIdentity Theft Reporting and Regulation E : The denial of my claims without due diligence in investigating potential identity theft is a violation of both customer trust and Regulation E, which mandates financial institutions to promptly investigate and resolve unauthorized transactions. \nXXXX. Request for Evidence and Transparency : I respectfully request that Chase Bank provides me with the evidence used to deny my claims. The lack of transparency in this matter raises concerns about the integrity of the decision-making process, and I believe it is my right as an account holder to be fully informed about the basis for such denials. \n\nXXXX. Escalation and Regulatory Reporting : In light of the aforementioned issues, I am compelled to escalate this matter further. I intend to forward all relevant documentation, including the police report, to the Office of Comptroller of Currency ( OCC ) for their thorough review. It is my belief that the OCC will find merit in investigating the apparent violations of regulatory standards. \n\nConclusion : I trust that Chase Bank will conduct a comprehensive reevaluation of the unauthorized XXXX transactions and address the regulatory concerns raised in this letter. I anticipate a timely resolution to this matter and the rightful return of the funds lost due to identity theft. \n\nI appreciate your attention to this serious issue and look forward to a prompt and satisfactory resolution. Please acknowledge the receipt of this letter within [ reasonable timeframe ] and provide a detailed plan of action for its resolution. \n\nThank you for your understanding and cooperation. \n\nYours sincerely, XXXX XXXX","date_sent_to_company":"2023-11-16T01:32:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"329XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7856045","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-11-16T01:21:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Escalation and <em>Regulatory</em> Reporting : In light of the aforementioned issues, I am compelled to escalate this matter further. I intend to forward all relevant documentation, including the police report, to the <em>Office</em> of Comptroller of Currency ( OCC ) for their thorough review. It is my belief that the OCC will find merit in <em>investigating</em> the apparent <em>violations</em> of <em>regulatory</em> standards."]},"sort":[13.427544,"7856045"]},{"_index":"complaint-public-v1","_id":"11762164","_score":13.427349,"_source":{"product":"Checking or savings account","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against JPMorgan Chase for Fraudulent Misrepresentations , Gross Negligence, and Regulatory Violations Description of the Issue : This complaint, on behalf of XXXX XXXX XXXX XXXX XXXX separate from my previous complaint due to JPMorgan XXXX XXXX false statements regarding fraud claims associated with multiple accounts under my businesses. Chase has repeatedly misrepresented facts to the CFPB and has engaged in deceptive practices that obstruct justice and violate federal banking regulations. \n\nDuring an internal audit in late XXXX and early XXXX, I discovered that a former employee, XXXX XXXX, embezzled millions from my business accounts held at JPMorgan Chase. Despite repeated fraud reports and claims filed with Chase, the bank knowingly facilitated fraudulent transactions, allowed the creation of shell companies, and failed to take any corrective action. \n\nWhen I escalated the matter through Chases fraud department, the bank delayed, obstructed, and ultimately falsely claimed that no fraud claims existed for certain accountsdespite documented claim numbers, multiple communications, and over XXXX email threads proving otherwise. Chases response to my previous CFPB complaint contains egregious misrepresentations that demand immediate correction. \n\nChases Specific Violations : Knowingly False Statements to the CFPB : Chase falsely claimed that no fraud claims were filed on certain accounts, despite documented evidence proving otherwise. \n\nAiding & Abetting Fraudulent Transactions : Chase allowed millions to be funneled through fraudulent shell entitiesXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXwithout triggering mandated Anti-Money Laundering ( AML ) or Bank Secrecy Act ( BSA ) alerts. \n\nGross Negligence in Account Security : Chase permitted XXXX to unilaterally add himself as a signatory on business accounts without my knowledge or consent, violating basic security protocols. \n\nFailure to Investigate & Recover Stolen Funds : Chase refused to take meaningful action despite early fraud reports, instead shielding the criminal from accountability. \n\nObstruction and Deception in Regulatory Responses : Chase deliberately delayed responses, misrepresented facts, and engaged in deceptive business practices to avoid liability.\n\nSystemic Abuse of Regulatory Timelines : Chase improperly denied claims under the pretext of a XXXX reporting window, despite timely reports and Chases active interference in my ability to recover funds. \n\nRelief Sought : Immediate Investigation & Correction of Fraudulent Statements : Chase must correct its false claims to the CFPB and acknowledge the existence of my fraud claims. \n\nFull Restitution of Stolen Funds : Chase must reimburse all affected accounts, including those under XXXX XXXX XXXX, and cover consequential damages. \n\nRegulatory Action Against JPMorgan Chase : The CFPB should sanction Chase for its violations of UDAAP, AMLA, BSA, and Regulation E and require compliance measures to prevent further fraudulent conduct.\n\nExecutive-Level Review and Response : A senior Chase XXXX should be required to respond directly, rather than continuing to issue form denials. \n\nChases pattern of fraud, deception, and regulatory noncompliance can not continue unchecked. The CFPB must take immediate action to hold Chase accountable for its role in enabling financial crimes, obstructing justice, and defrauding customers. \n\nAttachments : Fraud claims filed with Chase ( with case numbers ) Chases contradictory responses to CFPB and me Emails and supporting documents proving Chases obstruction and false claims Filed by : XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX : Office of the Comptroller of the Currency ( XXXX ) Federal Bureau of Investigation ( FBI ), Financial Crimes Division U.S. Department of Justice ( DOJ ) Financial Crimes Enforcement Network ( FinCEN ) Securities and Exchange Commission ( SEC ) State Attorney Generals Office","date_sent_to_company":"2025-01-24T15:32:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33404","tags":null,"has_narrative":true,"complaint_id":"11762164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-24T15:22:49.000Z","state":"FL","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Attachments : Fraud claims filed with Chase ( with case numbers ) Chases contradictory responses to CFPB and me Emails and supporting documents proving Chases obstruction and false claims Filed by : XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX : <em>Office</em> of the Comptroller of the Currency ( XXXX ) Federal Bureau of <em>Investigation</em> ( FBI ), Financial Crimes Division U.S."]},"sort":[13.427349,"11762164"]},{"_index":"complaint-public-v1","_id":"3280539","_score":13.384276,"_source":{"product":"Debt collection","complaint_what_happened":"Please note this complaint was also filed with the XXXX XXXX  XXXX XXXX. I previously settled a debt in full which was being collected by Messerli Kramer law office. Several days after they were paid in full and received a letter of stipulation, I began receiving repeated phone calls from their office which I did not answer or return. I assumed they had not updated their systems and were continuing to ( illegally ) attempt to collect a settled account. \n\nOn XX/XX/2019 at XXXX XXXX CST I received another call from their office from phone number XXXX and a voicemail message was left. I listened to the message which was from an XXXX XXXX ( spelling? ) who stated in the message that the message was intended for a XXXX LAST NAME REDACTED ( spelling? ) and further stated this is an attempt by a debt collector to collect a debt. A short time later I contacted the office and asked to speak to a supervisor. After a rude individual repeteadly demanded my personal information, which I refused to give, I was connected to a supervisor named XXXX. I communicated the concern to him and he indicated he would update their system to remove my number from the account they were attempting to collect from XXXX ( XXXX ) I have multiple concerns here, one being the disregard for the Fair Debt Collection Practices Act as it relates to the prohibition of third party disclosure as occurred in the voicemail message. Next my concern is the repeated calls. Finally, my concern is for the disclosure of my own information. As someone who previously paid a debt to this agency, I can not help but wonder how many times they called a wrong number and disclosed my name and information to a 3rd party? How many other debtors information has been disclosed to other 3rd parties as well? There appears to be a common practice by this agency which violates the FDCPA. I can not imagine that this is the first such complaint about this agency and I strongly encourage you to follow up on this matter. This is precisely what regulatory agencies like the XXXX  XXXX XXXX are charged with investigating and addressing. \n\nPlease note that I will be cross-filing this complaint with the Federal regulatory agency as well.","date_sent_to_company":"2019-06-19T21:24:39.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"55016","tags":null,"has_narrative":true,"complaint_id":"3280539","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Messerli & Kramer P.A.","date_received":"2019-06-19T21:05:25.000Z","state":"MN","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["There appears to be a common practice by this agency which <em>violates</em> the FDCPA. I can not imagine that this is the first such complaint about this agency and I strongly encourage you to follow up on this matter. This is precisely what <em>regulatory</em> agencies like the XXXX  XXXX XXXX are charged with <em>investigating</em> and addressing. \n\nPlease note that I will be cross-filing this complaint with the Federal <em>regulatory</em> agency as well."]},"sort":[13.384276,"3280539"]},{"_index":"complaint-public-v1","_id":"22193668","_score":13.383583,"_source":{"product":"Debt collection","complaint_what_happened":"I formally dispute the alleged debt your office claims to be collecting. \n\nIt has come to my attention that your office may have obtained, accessed, used, or relied upon information connected to a sealed matter or sealed court record. Any use or dissemination of sealed information raises serious concerns regarding unlawful collection practices, privacy violations, and potential violations of California and federal law.\n\nPursuant to the Fair Debt Collection Practices Act ( FDCPA ), I demand full validation of this alleged debt, including : * The name and address of the original creditor; * A complete itemized accounting of the amount claimed ; * Copies of any agreements or documents bearing my signature; * Proof that your office has legal authority to collect; * Documentation showing how my information was obtained ; * Identification of any court filings, databases, tenant screening reports, or third parties used in connection with this matter.\n\nAdditionally, pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to CEASE AND DESIST all communication and collection activity directed toward me unless and until proper legal validation is provided.\n\nThis includes, but is not limited to : phone calls, emails, letters, credit reporting, third-party disclosures, and any further attempts to collect on the alleged debt.\n\nIf your office obtained information from a sealed case, you are further instructed to immediately cease any use, reporting, retention, or dissemination of that information pending investigation.\n\nBe advised that I am preserving all rights and remedies available to me under : the FDCP and the FCRA, California consumer privacy laws and applicable court sealing and confidentiality protections.\n\nAny continued collection activity or reporting involving improperly obtained sealed information may constitute willful noncompliance and expose your office to liability for damages, attorneys fees, and regulatory complaints.","date_sent_to_company":"2026-05-14T09:20:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"91601","tags":null,"has_narrative":true,"complaint_id":"22193668","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kimball, Tirey & St. John LLP","date_received":"2026-05-14T08:58:09.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I formally dispute the alleged debt your <em>office</em> claims to be collecting. \n\nIt has come to my attention that your <em>office</em> may have obtained, accessed, used, or relied upon information connected to a sealed matter or sealed court record. Any use or dissemination of sealed information raises serious concerns regarding unlawful collection practices, privacy <em>violations</em>, and potential <em>violations</em> of California and federal law."]},"sort":[13.383583,"22193668"]},{"_index":"complaint-public-v1","_id":"14014403","_score":13.314257,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to TRANSUNION to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that TRANSUNION being sued for engaging in \" sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors. 3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.","date_sent_to_company":"2025-06-11T16:26:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33467","tags":null,"has_narrative":true,"complaint_id":"14014403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-11T16:21:01.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Failure to properly <em>investigate</em> and correct these errors will leave me no choice but to escalate my complaint to <em>regulatory</em> authorities, and my state attorney generals <em>office</em>, and to seek legal remedies for damages caused by your agencys failure to comply with the law."]},"sort":[13.314257,"14014403"]},{"_index":"complaint-public-v1","_id":"11912420","_score":13.314257,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to EXPERIAN to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that EXPERIAN being sued for engaging in \" sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors. \n3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.","date_sent_to_company":"2025-02-03T19:12:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33444","tags":null,"has_narrative":true,"complaint_id":"11912420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-03T18:58:19.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Failure to properly <em>investigate</em> and correct these errors will leave me no choice but to escalate my complaint to <em>regulatory</em> authorities, and my state attorney generals <em>office</em>, and to seek legal remedies for damages caused by your agencys failure to comply with the law."]},"sort":[13.314257,"11912420"]},{"_index":"complaint-public-v1","_id":"11756892","_score":13.314257,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to EQUIFAX to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that EQUIFAX being sued for engaging in \" sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors.\n\n3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.","date_sent_to_company":"2025-01-24T19:31:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33467","tags":null,"has_narrative":true,"complaint_id":"11756892","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-24T19:14:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Failure to properly <em>investigate</em> and correct these errors will leave me no choice but to escalate my complaint to <em>regulatory</em> authorities, and my state attorney generals <em>office</em>, and to seek legal remedies for damages caused by your agencys failure to comply with the law."]},"sort":[13.314257,"11756892"]},{"_index":"complaint-public-v1","_id":"14025514","_score":13.287521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am rewriting this to EXPERIAN to formally redispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that EXPERIAN being sued for engaging in \" sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors. 3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. 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