{"took":178,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3340,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14347896","_score":18.21384,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax has claimed the following accounts supposedly have been \" verified that this item belongs to you '' after their investigation. These accounts DO NOT BELONG to me whatsoever so they have failed to actual investigate let alone provide proof of their findings. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  They have failed to provide any documentation whatsoever and must remove these accounts as they are inaccurate and lacks verifiable documentation ANY verifiable documentation","date_sent_to_company":"2025-06-28T13:55:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"14347896","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-28T13:51:17.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax has claimed the following accounts supposedly have been \" verified that this item belongs to you '' after their <em>investigation</em>. These accounts DO NOT BELONG to me whatsoever so they have <em>failed</em> to actual <em>investigate</em> let alone <em>provide</em> <em>proof</em> of their <em>findings</em>. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  They have <em>failed</em> to <em>provide</em> any documentation whatsoever and must remove these accounts as they are inaccurate and lacks verifiable documentation ANY verifiable documentation"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an error on your report"]},"sort":[18.21384,"14347896"]},{"_index":"complaint-public-v1","_id":"13960613","_score":17.404951,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I requested a dispute on my XXXX XXXX XXXX XXXX card, I requested the lender XXXX to validate deb, as it retains inaccurate information, the amount is not correct and comenity has failed to validate debt. I requested Experian to investigate and report results in writing which has failed to do so. \nThis account must be deleted as the status is not correct, the amount is not correct. \nThis information is NOT CORRECT & NOT ACCURATE. There For it must be DELETED IMMEDIATELY. \nThis is a clear violation the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! \nExperian failed to conduct an investigation and provide proof of findings.","date_sent_to_company":"2025-06-08T16:51:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90650","tags":null,"has_narrative":true,"complaint_id":"13960613","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-08T16:51:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Experian <em>failed</em> to conduct an <em>investigation</em> and <em>provide</em> <em>proof</em> of <em>findings</em>."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an error on your report"]},"sort":[17.404951,"13960613"]},{"_index":"complaint-public-v1","_id":"4553090","_score":16.770245,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Disputed several items on report, inquiries & paid some balances down but XXXX, XXXX  & Transunion didnt update or investigate my disputes from last month. I asked for each agency to provide proof of their findings & all 3 failed to do so. It almost seems as if Im being kept on a bad credit treadmill by this company. I want my entire report investigated by a live agent instead of a computer or I will be forced to take legal action","date_sent_to_company":"2021-07-18T19:50:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77045","tags":null,"has_narrative":true,"complaint_id":"4553090","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-07-18T19:50:20.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Disputed several items on report, inquiries & paid some balances down but XXXX, XXXX  & Transunion didnt update or <em>investigate</em> my disputes from last month. I asked for each agency to <em>provide</em> <em>proof</em> of their <em>findings</em> & all 3 <em>failed</em> to do so. It almost seems as if Im being kept on a bad credit treadmill by this company. I want my entire report <em>investigated</em> by a live agent instead of a computer or I will be forced to take legal action"],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an error on your report"]},"sort":[16.770245,"4553090"]},{"_index":"complaint-public-v1","_id":"4553091","_score":16.737972,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Disputed several items on report, inquiries & paid some balances down but Equifax, XXXX  & XXXX  didnt update or investigate my disputes from last month. I asked for each agency to provide proof of their findings & all XXXX failed to do so. It almost seems as if Im being kept on a bad credit treadmill by this company. I want my entire report investigated by a live agent instead of a computer or I will be forced to take legal action","date_sent_to_company":"2021-07-18T19:50:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77045","tags":null,"has_narrative":true,"complaint_id":"4553091","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-07-18T19:35:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Disputed several items on report, inquiries & paid some balances down but Equifax, XXXX  & XXXX  didnt update or <em>investigate</em> my disputes from last month. I asked for each agency to <em>provide</em> <em>proof</em> of their <em>findings</em> & all XXXX <em>failed</em> to do so. It almost seems as if Im being kept on a bad credit treadmill by this company. I want my entire report <em>investigated</em> by a live agent instead of a computer or I will be forced to take legal action"],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an error on your report"]},"sort":[16.737972,"4553091"]},{"_index":"complaint-public-v1","_id":"8785624","_score":16.648474,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/23 at XXXX an ATM withdraw was attempted. \nAt this time with eye witnesses no money or transaction receipt was dispensed At the time of the failed transaction, a call was immediately executed to report the problem to my banking institute. \n\nMy account was frozen at this time pending further investigation My banking institute posted the funds completed on XX/XX/23 from the Merchant XXXX XXXX XXXX as completed transaction. \n\nA week later, my banking institute Wells Fargo provided me a provisional credit was given. \n\nUpon completion of my case, the banking institute denied my claim and reclaimed their provisionary money back without sufficient evidence to sustain the vendors transaction. \n\nWe called our bank Wells Fargo to obtain written proof of their findings. \n\nUpon review of their findings, they provided computer a transaction report that was faulty as there was no money or ticket that came out from the Machine. We offered eye witness evidence, but the bank failed to take their reports. The reports obtained were not sufficient to have denied the loss of our funds. \n\nWe again pursued to keep filing more grievances and they have gone denied. \n\nWe are in search of again reopening and re investigating the case. \n\nWe pointed out, that in accordance with our immediate calls at the time of the incident along with eye witnesses the machine may have printed out a false receipt to the vendor allowing them to fraudulently report their findings. \nThe receipt from the investigation department did not provide video evidence of a video of a completed transaction. \nWithout video verification and using a faulty machine, how can the vendor conclude their findings without their depository receipts. \n\nIf the machine worked properly, my banking institutions flags would not have gone unnoticed. My daily limit would have been reached. Again, this faulty or fraudulent machine from the vendor which must be investigated. \n\ni will need to continue to pursue losses and file additional grievances in pursuit of loss and distress why would Banking Intuition Wells Fargo not ask for proof of video verification and the their daily receipts from the ATM Machine. \n\nNote : with the location of the atm machine, there was clear video on site. why was this not taken into consideration nor provided by the vendor. \n\nWells Fargo failed to fully investigate on our behalf and failed to provide in a timely manner the full spectrum of their investigation department. if they would have done so, video evidence would have been received immediately within the area of security where the machines were located","date_sent_to_company":"2024-04-17T01:26:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92337","tags":null,"has_narrative":true,"complaint_id":"8785624","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-04-17T00:09:35.000Z","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 using a debit or ATM card"},"highlight":{"complaint_what_happened":["Wells Fargo <em>failed</em> to fully <em>investigate</em> on our behalf and <em>failed</em> to <em>provide</em> in a timely manner the full spectrum of their <em>investigation</em> department. if they would have done so, video evidence would have been received immediately within the area of security where the machines were located"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.648474,"8785624"]},{"_index":"complaint-public-v1","_id":"21685570","_score":16.330399,"_source":{"product":"Checking or savings account","complaint_what_happened":"The institution did not provide the evidence relied upon in its decision, and therefore I dispute that a reasonable investigation was completed. \n\nI am submitting a complaint regarding my financial institutions handling of an electronic fund transfer dispute and their failure to comply with federal consumer protection requirements. \n\nIn XXXX, I disputed a transaction on my account that I believe was unauthorized and/or improperly charged. The financial institution conducted an investigation and ultimately denied my dispute, stating they sided with the merchant. \n\nHowever, I was not provided with sufficient documentation or evidence supporting their decision, despite my explicit request for the materials used in their determination, including any signed authorization, proof of purchase, or equivalent verification. \nI submitted a timely dispute for an electronic transaction on my account. \nThe bank denied the dispute and upheld the merchants claim. \nI requested documentation supporting their investigation and decision. \nThe bank failed to provide adequate evidence or a clear explanation of their findings. \n\nThis appears to be a failure to comply with : 12 CFR 1005.11 Electronic Fund Transfer Act Under Regulation E, financial institutions are required to : Conduct a reasonable and timely investigation of disputed transactions Provide a written explanation of their findings Retain and rely on documentation supporting their determination Correct errors or provide substantiated justification for denial","date_sent_to_company":"2026-04-28T22:07:07.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"38305","tags":null,"has_narrative":true,"complaint_id":"21685570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2026-04-28T21:50:44.000Z","state":"TN","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I requested documentation supporting their <em>investigation</em> and decision. \nThe bank <em>failed</em> to <em>provide</em> adequate evidence or a clear explanation of their <em>findings</em>."]},"sort":[16.330399,"21685570"]},{"_index":"complaint-public-v1","_id":"6375930","_score":15.928776,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NCTUE continues to provide false information to close complaints but continues to fail to properly investigate disputed accounts on my consumer file. NCTUE continues to close out my CFPB complaints without providing any of the requested and required documentation of its investigative findings regarding disputed accounts under the FCRA. NCTUE continues to violate my rights under The Fair Credit Reporting Act and the Fair Debt Collection Practices Act by continuing to report fraudulent, inaccurate, incomplete information on my consumer file, failing to investigate my disputes and failure to provide me with proof of the investigation results showing that the alleged debt belongs to me and is 100 % accurate. NCTUE is causing damage to my reputation, loss opportunity, cost and damage to my livelihood by defamation, misrepresentation and negligent enablement of IDENTITY FRAUD.","date_sent_to_company":"2022-12-29T20:35:28.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85041","tags":null,"has_narrative":true,"complaint_id":"6375930","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Consumer Telecom & Utilities Exchange, Inc.","date_received":"2022-12-29T19:50:16.000Z","state":"AZ","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["NCTUE continues to <em>provide</em> false information to close complaints but continues to <em>fail</em> to properly <em>investigate</em> disputed accounts on my consumer file. NCTUE continues to close out my CFPB complaints without providing any of the requested and required documentation of its <em>investigative</em> <em>findings</em> regarding disputed accounts under the FCRA."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.928776,"6375930"]},{"_index":"complaint-public-v1","_id":"14473193","_score":15.872704,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this as a follow-up complaint. I previously submitted disputes to TransUnion regarding multiple accounts and personal information that are inaccurate and the result of identity theft. I provided a formal written dispute, a copy of my FTC Identity Theft Report, proof of identity, and proof of address.\n\nTransUnion failed to block or delete these fraudulent accounts as required under FCRA 1681c-2 and did not provide adequate verification. Some disputed items remain on my credit file without proper investigation or evidence. These include unauthorized accounts, false late payments, and addresses/employers that are not mine. \n\nI am requesting the CFPB to require TransUnion to fully investigate, block, and delete any unverifiable or fraudulent information, and to provide me with a clear explanation of their procedures and findings as required by the FCRA. This situation has caused significant harm to my credit and personal life.","date_sent_to_company":"2025-07-05T15:19:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77578","tags":null,"has_narrative":true,"complaint_id":"14473193","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-05T15:12:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I provided a formal written dispute, a copy of my FTC Identity Theft Report, <em>proof</em> of identity, and <em>proof</em> of address.\n\nTransUnion <em>failed</em> to block or delete these fraudulent accounts as required under FCRA 1681c-2 and did not <em>provide</em> adequate verification. Some disputed items remain on my credit file without proper <em>investigation</em> or evidence. These include unauthorized accounts, false late payments, and addresses/employers that are not mine."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an error on your report"]},"sort":[15.872704,"14473193"]},{"_index":"complaint-public-v1","_id":"16779305","_score":15.498745,"_source":{"product":"Debt collection","complaint_what_happened":"I submitted a formal written dispute to the credit bureau regarding several fraudulent and inaccurate accounts that appear on my credit report. In accordance with 15 U.S.C. 1681c-2, I provided all required documentation, including proof of identity, a police/FTC Identity Theft Report, and a detailed list of the disputed accounts. \n\nDespite my proper and timely submission, the credit bureau failed to provide me with the required information or documentation regarding their investigation. I did not receive any explanation, verification, or documentation to substantiate the continued reporting of the disputed items. The bureau also failed to notify me of their actions within the legally required time frame. \n\nThis lack of response violates my rights under the Fair Credit Reporting Act, which requires the bureau to conduct a reasonable investigation, provide the results in writing, and, if applicable, delete or block fraudulent information within four business days once an identity theft report has been submitted. \n\nI am requesting that the CFPB investigate this matter to ensure the credit bureau complies with federal law, removes the fraudulent accounts from my credit report, and provides me with a full explanation of their actions and findings.","date_sent_to_company":"2025-10-23T17:08:48.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"30269","tags":null,"has_narrative":true,"complaint_id":"16779305","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-23T16:57:47.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB <em>investigate</em> this matter to ensure the credit bureau complies with federal law, removes the fraudulent accounts from my credit report, and <em>provides</em> me with a full explanation of their actions and <em>findings</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.498745,"16779305"]},{"_index":"complaint-public-v1","_id":"14358610","_score":15.393465,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I filed some disputes due to accounts reporting inaccurate information in across all ( 3 ) three credit agencies violation of the FCRA. Instead of properly investigating my disputes. The Credit Agency verified the inaccurate information on XX/XX/year>. The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are reporting inaccurate information between the credit agencies. On XX/XX/year>, I requested to be provided with the procedures used to verify these accounts, along with the name and addresses of the person contacted. In late XXXX, the Agency again failed to comply with my request. It rubber-stamped all it's alleged findings. Yet, failed to provide me with the proof I requested in my XX/XX/XXXX dispute letter.","date_sent_to_company":"2025-06-29T22:38:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48504","tags":null,"has_narrative":true,"complaint_id":"14358610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-29T21:26:01.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Yet, <em>failed</em> to <em>provide</em> me with the <em>proof</em> I requested in my XX/XX/XXXX dispute letter."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an error on your report"]},"sort":[15.393465,"14358610"]},{"_index":"complaint-public-v1","_id":"11674384","_score":15.305207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EXPERIAN failed to conduct a thorough and accurate investigation of the dispute I submitted on XX/XX/year>, Experian provided a response stating, The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. \n\nDespite my request for evidence supporting their findings, EXPERIAN did not provide any documentation or proof of verification. Furthermore, instead of addressing the validity of the disputed item, they increased the reported balance from {$1300.00} to {$1400.00} without offering an itemized statement, a copy of a written agreement, or an explanation of how the balance was calculated or validated with the debt buyer. I believe this response demonstrates a failure to adequately investigate the dispute.","date_sent_to_company":"2025-01-17T07:52:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"11674384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-17T07:43:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["EXPERIAN <em>failed</em> to conduct a thorough and accurate <em>investigation</em> of the dispute I submitted on XX/XX/year>, Experian provided a response stating, The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. \n\nDespite my request for evidence supporting their <em>findings</em>, EXPERIAN did not <em>provide</em> any documentation or <em>proof</em> of verification."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an error on your report"]},"sort":[15.305207,"11674384"]},{"_index":"complaint-public-v1","_id":"14179493","_score":15.165912,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed a charged-off credit card account with Discover for {$18000.00}. Discover failed to provide validation, a signed agreement, or proof they still own or service the debt. I believe the account may have been securitized or sold, and Discover no longer has legal standing to report it. I requested the method of verification from XXXX  under 15 U.S.C. 1681i ( a ) ( 7 ) but received no documentation or response. The dispute was marked investigation complete without findings.This violates FCRA 1681i, 1681s-2 ( b ), 1681b, FDCPA 1692g, and TILA.","date_sent_to_company":"2025-06-19T12:18:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20020","tags":null,"has_narrative":true,"complaint_id":"14179493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-06-19T11:50:35.000Z","state":"DC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Discover <em>failed</em> to <em>provide</em> validation, a signed agreement, or <em>proof</em> they still own or service the debt. I believe the account may have been securitized or sold, and Discover no longer has legal standing to report it. I requested the method of verification from XXXX  under 15 U.S.C. 1681i ( a ) ( 7 ) but received no documentation or response. The dispute was marked <em>investigation</em> complete without <em>findings</em>.This violates FCRA 1681i, 1681s-2 ( b ), 1681b, FDCPA 1692g, and TILA."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an error on your report"]},"sort":[15.165912,"14179493"]},{"_index":"complaint-public-v1","_id":"11953774","_score":15.148545,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian has repeatedly failed to conduct a proper investigation into my previous disputes regarding inaccurate information on my credit report. Despite multiple complaints filed over the past several months, Experian has either ignored critical documentation, failed to provide a meaningful response, or simply verified inaccurate information without conducting a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). \n\nI submitted formal disputes to Experian, providing supporting documentation such as identity verification, proof of errors, and letters detailing why certain accounts should be corrected or removed. However, instead of addressing these concerns, Experian either : Closed the disputes without providing any evidence of an actual investigation, Verified inaccurate information without considering the documents I provided, Sent generic responses stating that the disputed accounts were verified, without explaining the method or sources used, Ignored requests for proof of verification from the furnishers, which they are required to obtain under 15 U.S.C. 1681i ( a ).\n\nAdditionally, Experian has failed to comply with the 30-day dispute resolution timeline outlined in the FCRA. Some of my disputes were left unresolved past the legally required timeframe, while others were closed prematurely without a proper investigation. \n\nDue to Experians negligence in handling these disputes, my credit report continues to reflect inaccurate and misleading information, negatively impacting my creditworthiness and financial opportunities. I am requesting that the CFPB intervene to ensure that Experian conducts a thorough and lawful investigation into these disputes, provides a clear explanation of their findings, and removes any unverifiable or incorrect information from my credit report.","date_sent_to_company":"2025-02-05T17:03:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10453","tags":null,"has_narrative":true,"complaint_id":"11953774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-05T16:52:45.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB intervene to ensure that Experian conducts a thorough and lawful <em>investigation</em> into these disputes, <em>provides</em> a clear explanation of their <em>findings</em>, and removes any unverifiable or incorrect information from my credit report."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an error on your report"]},"sort":[15.148545,"11953774"]},{"_index":"complaint-public-v1","_id":"12246876","_score":15.116425,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute an inaccurate debt reported on my credit file by Portfolio Recovery Associates ( PRA ). Based on a recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ), it has been established that PRA has engaged in illegal debt collection practices, including reporting unsubstantiated debt, failing to properly investigate consumer disputes, and violating the Fair Credit Reporting Act ( FCRA ).\n\nAccording to the CFPBs findings, PRA has : Collected on unsubstantiated debt without providing required documentation.\n\nFailed to properly investigate and resolve consumer disputes.\n\nEngaged in deceptive and illegal collection tactics, including attempting to collect on debts beyond the statute of limitations.\n\nGiven this history of misconduct, I have serious concerns about the accuracy and legitimacy of the debt PRA has reported on my credit file. I request that the credit bureau conduct a thorough investigation and provide the following : 1. Validation of the debt with supporting documentation proving its accuracy.\n\n2. Details of PRAs verification process, including whether PRA provided sufficient evidence of my obligation to pay this debt. \n3. Immediate removal of the debt if PRA fails to provide sufficient proof that the debt is valid, properly documented, and legally enforceable.\n\nUnder the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed information within 30 days. If you are unable to verify this debt with accurate, documented proof from PRA, it must be removed from my credit report immediately.","date_sent_to_company":"2025-02-28T02:36:09.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"30012","tags":null,"has_narrative":true,"complaint_id":"12246876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-02-28T02:28:15.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Immediate removal of the debt if PRA <em>fails</em> to <em>provide</em> sufficient <em>proof</em> that the debt is valid, properly documented, and legally enforceable.\n\nUnder the Fair Credit Reporting Act ( FCRA ), you are required to <em>investigate</em> disputed information within 30 days. If you are unable to verify this debt with accurate, documented <em>proof</em> from PRA, it must be removed from my credit report immediately."]},"sort":[15.116425,"12246876"]},{"_index":"complaint-public-v1","_id":"10287873","_score":14.968988,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding a credit reporting issue involving inaccurate and unverifiable information on my credit reports maintained by Equifax, XXXX, and XXXX. Despite my repeated attempts to dispute the validity of the account, the reporting entities have failed to provide proof of a contract or agreement that allegedly binds me to this debt.\n\n1. Lack of Proof of Contract : I have sent multiple written notices of debt dispute to both the creditor/collection agency and the credit bureaus requesting proof of the original contract or signed agreement. However, neither the creditor nor the credit bureaus have provided any verifiable documentation to substantiate this accounts legitimacy. This failure to provide the requested information constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable.\n\n2. Inconsistencies Across Credit Bureaus : In addition to the lack of verification, the information reported by Equifax, XXXX, and XXXX is inconsistent. The account details, including balances, dates, and statuses, vary significantly between the XXXX bureaus. This inconsistency further indicates that the information is inherently inaccurate, violating the FCRAs accuracy and completeness requirements. \n\nXXXX. Inadequate Investigation by Credit Bureaus : When I initially disputed this account, the credit bureaus responded by stating that the information was \" verified as accurate. '' However, they failed to provide any documentation or specific explanation to substantiate their findings. This inadequate investigation does not satisfy the FCRAs standards for resolving consumer disputes. \n\nSee Also previous Disputes : XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-09-28T02:02:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21220","tags":"Servicemember","has_narrative":true,"complaint_id":"10287873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-28T02:02:49.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Inadequate <em>Investigation</em> by Credit Bureaus : When I initially disputed this account, the credit bureaus responded by stating that the information was \" verified as accurate. '' However, they <em>failed</em> to <em>provide</em> any documentation or specific explanation to substantiate their <em>findings</em>. This inadequate <em>investigation</em> does not satisfy the FCRAs standards for resolving consumer disputes. \n\nSee Also previous Disputes : XXXX XXXX XXXX XXXX XXXX XXXX"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an error on your report"]},"sort":[14.968988,"10287873"]},{"_index":"complaint-public-v1","_id":"10287145","_score":14.968738,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding a credit reporting issue involving inaccurate and unverifiable information on my credit reports maintained by XXXX, XXXX, and TransUnion. Despite my repeated attempts to dispute the validity of the account, the reporting entities have failed to provide proof of a contract or agreement that allegedly binds me to this debt.\n\n1. Lack of Proof of Contract : I have sent multiple written notices of debt dispute to both the creditor/collection agency and the credit bureaus requesting proof of the original contract or signed agreement. However, neither the creditor nor the credit bureaus have provided any verifiable documentation to substantiate this accounts legitimacy. This failure to provide the requested information constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable.\n\n2. Inconsistencies Across Credit Bureaus : In addition to the lack of verification, the information reported by XXXX, XXXX, and TransUnion is inconsistent. The account details, including balances, dates, and statuses, vary significantly between the three bureaus. This inconsistency further indicates that the information is inherently inaccurate, violating the FCRAs accuracy and completeness requirements.\n\n3. Inadequate Investigation by Credit Bureaus : When I initially disputed this account, the credit bureaus responded by stating that the information was \" verified as accurate. '' However, they failed to provide any documentation or specific explanation to substantiate their findings. This inadequate investigation does not satisfy the FCRAs standards for resolving consumer disputes. \n\nSee Also previous Disputes : XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-09-28T02:02:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21220","tags":"Servicemember","has_narrative":true,"complaint_id":"10287145","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-28T01:47:03.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Inadequate <em>Investigation</em> by Credit Bureaus : When I initially disputed this account, the credit bureaus responded by stating that the information was \" verified as accurate. '' However, they <em>failed</em> to <em>provide</em> any documentation or specific explanation to substantiate their <em>findings</em>. This inadequate <em>investigation</em> does not satisfy the FCRAs standards for resolving consumer disputes. \n\nSee Also previous Disputes : XXXX XXXX XXXX XXXX XXXX XXXX"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an error on your report"]},"sort":[14.968738,"10287145"]},{"_index":"complaint-public-v1","_id":"10287872","_score":14.938112,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding a credit reporting issue involving inaccurate and unverifiable information on my credit reports maintained by XXXX, Experian, and XXXX. Despite my repeated attempts to dispute the validity of the account, the reporting entities have failed to provide proof of a contract or agreement that allegedly binds me to this debt.\n\n1. Lack of Proof of Contract : I have sent multiple written notices of debt dispute to both the creditor/collection agency and the credit bureaus requesting proof of the original contract or signed agreement. However, neither the creditor nor the credit bureaus have provided any verifiable documentation to substantiate this accounts legitimacy. This failure to provide the requested information constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable.\n\n2. Inconsistencies Across Credit Bureaus : In addition to the lack of verification, the information reported by XXXX, Experian, and XXXX is inconsistent. The account details, including balances, dates, and statuses, vary significantly between the three bureaus. This inconsistency further indicates that the information is inherently inaccurate, violating the FCRAs accuracy and completeness requirements.\n\n3. Inadequate Investigation by Credit Bureaus : When I initially disputed this account, the credit bureaus responded by stating that the information was \" verified as accurate. '' However, they failed to provide any documentation or specific explanation to substantiate their findings. This inadequate investigation does not satisfy the FCRAs standards for resolving consumer disputes. \n\nSee Also previous Disputes : XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-09-28T02:02:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21220","tags":"Servicemember","has_narrative":true,"complaint_id":"10287872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-28T02:02:49.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Inadequate <em>Investigation</em> by Credit Bureaus : When I initially disputed this account, the credit bureaus responded by stating that the information was \" verified as accurate. '' However, they <em>failed</em> to <em>provide</em> any documentation or specific explanation to substantiate their <em>findings</em>. This inadequate <em>investigation</em> does not satisfy the FCRAs standards for resolving consumer disputes. \n\nSee Also previous Disputes : XXXX XXXX XXXX XXXX XXXX XXXX"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an error on your report"]},"sort":[14.938112,"10287872"]},{"_index":"complaint-public-v1","_id":"13974205","_score":14.760685,"_source":{"product":"Credit card","complaint_what_happened":"I filed a dispute with Barclays Bank XXXX on XX/XX/year>, regarding a charge of {$400.00} USD from the XXXX XXXX XXXX, which appeared on my credit card statement. The charge includes an unauthorized restaurant bill of approximately {$200.00} USD that I did not incur. \n\nDespite my repeated requests, XXXX XXXX failed to provide any proof, such as a signed restaurant bill, to justify the disputed charge. \n\nOn XX/XX/year>, I contacted Barclays to check the status of the dispute and was informed that the case had already been closedwithout any prior notification to me. I was not given a chance to respond to any findings or review the merchants evidence, if any. Barclays also failed to provide a written resolution report or disclose any documentation they received from the merchant. \n\nI believe this case was handled improperly and prematurely closed, without following appropriate procedures under the Fair Credit Billing Act. I am requesting that the CFPB investigate this matter and ensure Barclays reopens the dispute and properly reviews the evidence.","date_sent_to_company":"2025-06-09T23:09:20.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"15101","tags":null,"has_narrative":true,"complaint_id":"13974205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-06-09T22:42:51.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Despite my repeated requests, XXXX XXXX <em>failed</em> to <em>provide</em> any <em>proof</em>, such as a signed restaurant bill, to justify the disputed charge. \n\nOn XX/XX/year>, I contacted Barclays to check the status of the dispute and was informed that the case had already been closedwithout any prior notification to me. I was not given a chance to respond to any <em>findings</em> or review the merchants evidence, if any."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.760685,"13974205"]},{"_index":"complaint-public-v1","_id":"12908777","_score":14.744799,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In 2023 I noticed a fraudulent account on my credit report from XXXX in the amount of {$3000.00}. I have spent years trying to dispute this with the credit reporting agencies as well as XXXX directly. XXXX stopped responding to my calls or emails, they would not answer my request sent certified mail. The credit reporting agencies failed to provide me with the findings of their investigations so I had the opportunity to dispute the validity of those. Ive been fighting this for years and now its hindering me from obtaining a mortgage. I sent in police report, identity theft reports, I sent proof the vendor the funds were used had an address and name on the invoice that do not match mine.","date_sent_to_company":"2025-04-10T01:30:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37912","tags":"Servicemember","has_narrative":true,"complaint_id":"12908777","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-10T01:20:30.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The credit reporting agencies <em>failed</em> to <em>provide</em> me with the <em>findings</em> of their <em>investigations</em> so I had the opportunity to dispute the validity of those. Ive been fighting this for years and now its hindering me from obtaining a mortgage. I sent in police report, identity theft reports, I sent <em>proof</em> the vendor the funds were used had an address and name on the invoice that do not match mine."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an error on your report"]},"sort":[14.744799,"12908777"]},{"_index":"complaint-public-v1","_id":"2594059","_score":14.721542,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It has become overly apparent, how poorly TransUnion is conducting any type of investigation at this point. I filed a fraud alert on my account in conjunction with the inquiries on my account. TransUnion still has failed to validate these inquiries under section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA. You will not accept  XXXX  finds but yet have FAILED to provide adequate findings of your own. I have contacted the agencies who have accessed my report and they have no history of me, and as previously stated, I hold NO debt, mortgage nor account with the said agencies, THAT I PROVIDED YOU. You have NEGLECTED to contact these agencies for validation and yet continue to report false information on my report. Its evident it was lost in translation, because I did NOT receive per FCRA Section 611 any validation that I have requested on SEVERAL occasions. If you have followed protocol, and verified them, why has validation failed to be provided? FCRA 15 U.S.C 1681i states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me a copy of verifiable proof, than you must delete the inquiries from my credit report. I will continue filing disputes until you adequately conduct an investigation.","date_sent_to_company":"2017-08-03T16:03:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29483","tags":"Servicemember","has_narrative":true,"complaint_id":"2594059","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-08-03T15:44:30.000Z","state":"SC","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":["It has become overly apparent, how poorly TransUnion is conducting any type of <em>investigation</em> at this point. I filed a fraud alert on my account in conjunction with the inquiries on my account. TransUnion still has <em>failed</em> to validate these inquiries under section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA. You will not accept  XXXX  finds but yet have <em>FAILED</em> to <em>provide</em> adequate <em>findings</em> of your own."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[14.721542,"2594059"]},{"_index":"complaint-public-v1","_id":"4010365","_score":14.703631,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have attempted to dispute inaccurate information on my credit file with Experian for almost a year. I started disputing the incorrect information in XX/XX/2019. I have sent several letters disputing the inaccurate information in accordance with The Fair Credit Reporting Act and the Fair Debt Collection Practices Act and my request were completely ignored. I have sent certified mail providing proof of my identity which included a copy of my driver 's license and social security card. After several failed attempts to dispute the issues on my report I had to make several phone calls. Each time I spoke with an Experian reprehensive I asked them to provide evidence according to Federal Law of their findings of the investigation conducted and I was told that they do not have to provide me with any proof. Experian 's total disregard for federal law has taken a toll on my life regarding my finical well being and access to improve my credit worthiness.","date_sent_to_company":"2020-12-14T19:04:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"4010365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-12-14T17:50:07.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I have sent certified mail providing <em>proof</em> of my identity which included a copy of my driver 's license and social security card. After several <em>failed</em> attempts to dispute the issues on my report I had to make several phone calls. Each time I spoke with an Experian reprehensive I asked them to <em>provide</em> evidence according to Federal Law of their <em>findings</em> of the <em>investigation</em> conducted and I was told that they do not have to <em>provide</em> me with any <em>proof</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.703631,"4010365"]},{"_index":"complaint-public-v1","_id":"16247143","_score":14.648111,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My wages, totaling {$1700.00}, were successfully sent via direct deposit from my employer to my Cash App account. \n\nI first contacted Cash App Support on XX/XX/year> after the funds failed to appear in my balance. An Advocate responded, claiming they were \" unable to locate a direct deposit with the same amount of {$1700.00} ''. \n\nI immediately provided the requested screenshot of my pay stub as proof of payment, clearly showing the amount, date, and that the deposit was transmitted using the Cash App routing and account numbers. \n\nDespite providing definitive proof, Cash App has repeatedly failed to investigate the missing funds or provide any substantive update. I have received nothing but generic \" Advocate '' messages, such as the one on Friday, XXXX XXXX stating the case ( XXXX ) is \" escalated '' and \" actively reviewing, '' but providing no resolution. \n\nThis is a missing Electronic Fund Transfer ( EFT ). Cash App is violating Regulation E by failing to properly and timely investigate this unauthorized transaction or transaction error, and is preventing me from accessing my wages.\n\nResolution Requested : I demand the immediate location and credit of my {$1700.00} wages to my Cash App balance. I also request a written report of Cash App 's complete investigation findings, as required by law","date_sent_to_company":"2025-09-29T12:53:48.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"304XX","tags":null,"has_narrative":true,"complaint_id":"16247143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-09-29T12:29:04.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Despite providing definitive <em>proof</em>, Cash App has repeatedly <em>failed</em> to <em>investigate</em> the missing funds or <em>provide</em> any substantive update. I have received nothing but generic \" Advocate '' messages, such as the one on Friday, XXXX XXXX stating the case ( XXXX ) is \" escalated '' and \" actively reviewing, '' but providing no resolution. \n\nThis is a missing Electronic Fund Transfer ( EFT )."]},"sort":[14.648111,"16247143"]},{"_index":"complaint-public-v1","_id":"21078280","_score":14.356791,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Complaint Against Chase Bank for Failure to Comply with Regulation XXXX Unauthorized Debit Card Transaction Dispute To Whom It May Concern, I am submitting this complaint against Chase Bank regarding their failure to properly investigate and resolve a dispute involving a debit card transaction, in violation of Regulation XXXX under the Electronic Fund Transfer Act. \n\nOn or about XX/XX/year>, a debit card transaction in the amount of {$300.00} was processed from my account for a product that I did not receive. Upon realizing this, I promptly contacted the merchant, who acknowledged the issue and confirmed that a refund would be issued. I have provided Chase Bank with documentation supporting this acknowledgment, including [ emails/messages/receiptsdescribe evidence ]. \n\nDespite submitting clear evidence, Chase Bank denied my dispute and failed to provisionally credit my account or conduct a reasonable investigation as required under Regulation XXXX Their response did not adequately address the documentation I provided, nor did it explain how they concluded their investigation. In response to my dispute, Chase Bank relied on a tracking number provided by the merchant as justification to deny my claim. However, the existence of a tracking number alone does not constitute sufficient proof that the merchandise was properly delivered to me. Furthermore, this does not address or outweigh the merchants direct acknowledgment that a refund was warranted and this acknowledgment on the merchants behalf was provided to Chase Bank in which they ignored. \n\nDespite submitting clear and relevant evidence, Chase Bank denied my dispute and failed to provide provisional credit or conduct a reasonable investigation as required under Regulation XXXX Their response did not adequately consider the documentation I provided, nor did it include a meaningful explanation of how their determination was reached. \n\nUnder Regulation XXXX, financial institutions are required to : - Conduct a timely and reasonable investigation of reported errors - Provide provisional credit within XXXX business days if the investigation is ongoing - Correct errors promptly when found - Provide a written explanation of findings and evidence used in their determination - Chase Bank informed me they would reopen my dispute with documentation provided in which they failed to do Chase Bank has failed to meet these obligations. \n\nAs a result, I am requesting the following : XXXX. A full refund of the disputed transaction amount of {$300.00} XXXX. A detailed explanation of their investigation findings, including all documentation relied upon XXXX. Confirmation that proper Regulation XXXX procedures will be followed moving forward I believe Chase Banks handling of my dispute reflects non-compliance with federal consumer protection laws, and I am seeking assistance from the Consumer Financial Protection Bureau to resolve this matter. \n\nThank you for your time and attention to this issue. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-04-09T03:22:22.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"241XX","tags":null,"has_narrative":true,"complaint_id":"21078280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-04-09T03:02:59.000Z","state":"VA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Under Regulation XXXX, financial institutions are required to : - Conduct a timely and reasonable <em>investigation</em> of reported errors - <em>Provide</em> provisional credit within XXXX business days if the <em>investigation</em> is ongoing - Correct errors promptly when found - <em>Provide</em> a written explanation of <em>findings</em> and evidence used in their determination - Chase Bank informed me they would reopen my dispute with documentation provided in which they <em>failed</em> to do Chase Bank has <em>failed</em> to meet these obligations."]},"sort":[14.356791,"21078280"]},{"_index":"complaint-public-v1","_id":"5061786","_score":14.217383,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I, the consumer am aware and have proof that BANK OF AMERICA has and continues to violate my consumer rights. I have observed at least 9 violations pursuant 15 USC 1693f. BANK OF AMERICA received a Cease and Desist in reference to this matter XX/XX/2021. They have failed to provide results of the investigation and its findings used to determine actions of withholding the consumers funds in a reported electronic transfer error since XX/XX/2021 ; notice of the right to request reproductions ; mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur ; or returning the funds as directed by the consumer. BOA has and continues to violate consumer pursuant to 15 USC 1693 f. As a result to their gross, negligent and willful behavior, I have been injured numerous times.","date_sent_to_company":"2022-01-02T05:20:24.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"48237","tags":null,"has_narrative":true,"complaint_id":"5061786","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-01-02T00:07:16.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["They have <em>failed</em> to <em>provide</em> results of the <em>investigation</em> and its <em>findings</em> used to determine actions of withholding the consumers funds in a reported electronic transfer error since XX/XX/2021 ; notice of the right to request reproductions ; mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur ; or returning the funds as directed by the consumer. BOA has and continues to violate consumer pursuant to 15 USC 1693 f."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.217383,"5061786"]},{"_index":"complaint-public-v1","_id":"19635105","_score":14.200155,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding a XXXX credit-card charge ( USD {$580.00} ) that I did not authorize and for which I did not receive goods or services. \n\nI first notified Chase of this billing error by phone within 60 days of the statement on which the charge appeared, thereby providing timely notice under the Fair Credit Billing Act. I later followed up in writing to formally dispute the charge. \n\nChase subsequently informed me that the transaction was considered valid, but did not provide any explanation or evidence supporting this determination. No signed receipt, proof of authorization, merchant documentation, or description of investigative steps has been provided to me. \n\nI sent a follow-up written request asking Chase to explain the basis for the denial and to provide the evidence relied upon. Chase did not respond to this request. \n\nIn addition, Chase has failed to conduct or demonstrate a reasonable investigation of this billing error. A conclusory statement that a charge is valid, without disclosure of supporting evidence or investigative findings, does not allow me to understand or verify the basis for the decision and is inconsistent with the creditors obligations under the XXXXair Credit Billing Act ( 15 U.S.C. 1666 ) to reasonably investigate and respond to billing disputes.","date_sent_to_company":"2026-02-19T21:50:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95051","tags":null,"has_narrative":true,"complaint_id":"19635105","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-02-19T21:19:13.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["In addition, Chase has <em>failed</em> to conduct or demonstrate a reasonable <em>investigation</em> of this billing error. 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