{"took":58,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":307,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10174468","_score":16.612226,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There is information in my file, stated below, that I have identified as information that resulted from identity theft. \n\nIn XX/XX/XXXX, pursuant to XXXX XXXX police report, case number XXXX, I was a victim of identity theft when my wallet, drivers license, social security card and credit cards were stolen and these items were used over XXXX times by different parties to commit fraud. \n\nOn XX/XX/XXXX, I was a victim of identity theft when a female impersonating me shoplifted items from a XXXX XXXX in XXXX XXXX, Maryland. I received a summons to appear in court to answer charges of XXXX XXXX. Upon investigation, I learned that that my information was made available in an identity theft ring that spanned across the united states and that there were multiple copies of my drivers license and actual social security card that was made available to multiple identity thieves across the U.S. I was able to get the criminal case number XXXX filed by the XXXX XXXX XXXX Police Department expunged due to the theft of my identity. \n\nOn or about XX/XX/XXXX, XXXX announced that an unauthorized party stole data associated with certain user accounts in XX/XX/XXXX. It was then that I learned that my personal information was made available to third-parties and actually being sold on the internet. The number of times criminals used my personal information to commit identity fraud and open fraudulent credit accounts and apply for loans and other benefits is too many to count. Even though I have taken all of the security precautions after having my identity stolen multiple times, thieves continue to use or sell my data, which affects me to this day. \n\n\nXXXX XXXX XXXX, XXXX - XXXX XXXX - Date Opened XX/XX/XXXX. \nXXXX XXXX XXXX - XXXX - XXXX Bankruptcy XXXX XXXX XXXX Reference Number : XXXX Date : XX/XX/XXXX XXXX","date_sent_to_company":"2024-09-19T00:42:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33021","tags":null,"has_narrative":true,"complaint_id":"10174468","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-19T00:42:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Upon <em>investigation</em>, I <em>learned</em> that that my <em>information</em> was <em>made</em> <em>available</em> in an identity theft ring that spanned across the united states and that there were multiple copies of my drivers license and actual social security card that was <em>made</em> <em>available</em> to multiple identity thieves across the U.S. I was able to get the criminal case number XXXX filed by the XXXX XXXX XXXX Police Department expunged due to the theft of my identity."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[16.612226,"10174468"]},{"_index":"complaint-public-v1","_id":"10173773","_score":16.582497,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There is information in my file, stated below, that I have identified as information that resulted from identity theft. \n\nIn XX/XX/XXXX, pursuant to XXXX XXXX police report, case number XXXX, I was a victim of identity theft when my wallet, drivers license, social security card and credit cards were stolen and these items were used over 20 times by different parties to commit fraud. \n\nOn XX/XX/XXXX, I was a victim of identity theft when a female impersonating me shoplifted items from a XXXX XXXX in XXXX XXXX, Maryland. I received a summons to appear in court to answer charges of grand larceny. Upon investigation, I learned that that my information was made available in an identity theft ring that spanned across the united states and that there were multiple copies of my drivers license and actual social security card that was made available to multiple identity thieves across the U.S. I was able to get the criminal case number XXXX filed by the XXXX XXXX XXXX Police Department expunged due to the theft of my identity. \n\nOn or about XX/XX/XXXX, XXXX announced that an unauthorized party stole data associated with certain user accounts in XX/XX/XXXX. It was then that I learned that my personal information was made available to third-parties and actually being sold on the internet. The number of times criminals used my personal information to commit identity fraud and open fraudulent credit accounts and apply for loans and other benefits is too many to count. Even though I have taken all of the security precautions after having my identity stolen multiple times, thieves continue to use or sell my data, which affects me to this day. \n\n\nXXXX XXXX XXXX, XXXX - XXXX XXXX - Date Opened XX/XX/XXXX. \nXXXX XXXX XXXX - XXXX - US Bankruptcy Court XXXX XXXX Reference Number : XXXX Date : XX/XX/XXXX XXXX","date_sent_to_company":"2024-09-19T00:42:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33021","tags":null,"has_narrative":true,"complaint_id":"10173773","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-18T23:46:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Upon <em>investigation</em>, I <em>learned</em> that that my <em>information</em> was <em>made</em> <em>available</em> in an identity theft ring that spanned across the united states and that there were multiple copies of my drivers license and actual social security card that was <em>made</em> <em>available</em> to multiple identity thieves across the U.S. I was able to get the criminal case number XXXX filed by the XXXX XXXX XXXX Police Department expunged due to the theft of my identity."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[16.582497,"10173773"]},{"_index":"complaint-public-v1","_id":"3359358","_score":15.043087,"_source":{"product":"Checking or savings account","complaint_what_happened":"On or around XX/XX/2018, I reported 30 days of Charges on by business debt card estimating to discrepancy of XXXX to Bank Of America and the XXXX police dept.. Sometime in XXXX claim denied due to charges made with pin use. In that conversation, I explain that I realized that the 2 business accounts ( XXXX XXXX ) I had one was the primary account and sub-account and the original report I stated I had possession of the card. I realized I did not and sent in a statement correcting the original report.I also learned from that conversation the charges had been made during my working hours, so I submitted a detail report of the time card. I then followed up with the XXXX police dept who stated they record the incident but do not do an investigation because banks usually pay. requested an investigation that did not start until early summer because the officer assigned was not available. Officer ( XXXX cell phone XXXX ) reports back to me that he can not obtain the actual transaction to investigate with the vendors the fraudulent activities was made at because BOA will not release to him. I spoke to the store manager of one of the places the card was used and they state card transactions can be traced back a year if I can obtain information of detail times the card was used each transaction.","date_sent_to_company":"2019-08-30T20:43:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"06514","tags":null,"has_narrative":true,"complaint_id":"3359358","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-08-30T20:03:16.000Z","state":"CT","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":["I then followed up with the XXXX police dept who stated they record the incident but do not do an <em>investigation</em> because banks usually pay. requested an <em>investigation</em> that did not start until early summer because the officer assigned was not <em>available</em>. Officer ( XXXX cell phone XXXX ) reports back to me that he can not obtain the actual transaction to <em>investigate</em> with the vendors the fraudulent activities was <em>made</em> at because BOA will not release to him."]},"sort":[15.043087,"3359358"]},{"_index":"complaint-public-v1","_id":"12026618","_score":14.882507,"_source":{"product":"Credit card","complaint_what_happened":"I noticed an unrecognized charge on my credit card, which I initially believed was related to an international gym visit. I spoke with several gym representatives, but they were unfamiliar with the credit card processing system, and the language barrier made communication difficult. I am no longer certain this charge is related to the gym, as the charge does not reference the business name. \n\nAfter receiving more information from US Bank, I learned the charge was from a clothing store.\n\nI request that US Bank initiate a fraud investigation as required under Regulation Z of the Consumer Credit Protection Act.\n\nAt a minimum, I request details about the purchased products ( proof of purchase ), the identity of the merchant ( business name and address ), and contact information for the merchant. Despite multiple attempts to reach US Bank 's fraud research department ( call times available upon request ), I have been unable to contact the investigator or receive a satisfactory resolution.\n\nI do not believe I should be held responsible for an unrecognized charge without receiving a product or service.","date_sent_to_company":"2025-02-20T20:02:08.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"80214","tags":null,"has_narrative":true,"complaint_id":"12026618","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2025-02-13T00:50:34.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I spoke with several gym representatives, but they were unfamiliar with the credit card processing system, and the language barrier <em>made</em> communication difficult. I am no longer certain this charge is related to the gym, as the charge does not reference the business name. \n\nAfter receiving more <em>information</em> from US Bank, I <em>learned</em> the charge was from a clothing store.\n\nI request that US Bank initiate a fraud <em>investigation</em> as required under Regulation Z of the Consumer Credit Protection Act."]},"sort":[14.882507,"12026618"]},{"_index":"complaint-public-v1","_id":"2852793","_score":13.372269,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hi, Thank you for your time helping us with this. \n\nIn XXXX of XXXX my husband and I noticed XXXX charges on my debit card for XXXX and XXXX that we did not make. \n\nXX/XX/XXXX - XXXX {$260.00} XX/XX/XXXX - XXXX XXXX {$400.00} Upon contacting Bank of America regarding the purchases they cancelled the card, issued another, and began a fraud investigation. Shortly thereafter, they credited our account for both the amounts totaling {$670.00}. We did not hear back from them until the beginning of XX/XX/XXXX when they sent us a letter saying that the fraud claim had been resolved and no error had occurred ( See attached BofA_Fraud_Resolution_Letter ). They subsequently withdrew the amounts back out of our bank account. ( Note the wording \" error '' of the letter. Fraud is not an error. ) I contacted Bank of America regarding this issue to find out why the case had been reversed and they told me that one charge was confirmed as fraudulent XXXX XXXX XXXX. Then they proceeded to tell me that both were then denied because we physically shopped at both XXXX and XXXX XXXX before, because there were a number of days in between the charges and us noticing them, because we had logged into our account around the same time, and because no attempt was made to drain the account. Frustrated, I began questioning them on their investigation practices and learned that they use a third party \" back office investigators '' and could not tell me what steps were taken during the investigation. They also told me that the federal government didn't allow them to investigate further so they \" had to deny '' the claim. \n\nAfter speaking with a representative at the Consumer Financial Protection Bureau, I began a little bit of research on my own in order to provide as much information as I could for this report. Upon contacting XXXX XXXX I found that only the XXXX purchases that I made in the summer of XXXX in person in XXXX XXXX, AZ showed under my account name. Thus confirming my card was used for a purchase which happened under another account name. \n\nBringing this to BofA 's attention they suggested I submit a faxed letter stating the findings and requesting that the case be reopened. ( See attached BofAFraudLetter XXXX. I did so and on XX/XX/XXXX called and confirmed that the case had been reopened. \n\nNot having seen nor heard anything since, I obtained my old card number from the bank and once again contacted both XXXX and XXXX XXXX regarding the charges. \nThe woman at XXXX XXXX said she had just had the same experience and suggested I contact the Atty General in this matter. She was able to confirm for me that the account holders name, address, and phone number were not mine because they did not match the billing information that I gave her. She was able to tell me that the purchase was of a XXXX amp circular saw work bench. \n\nNext, I contacted XXXX and went through the same process with the gentleman there. I was able to learn that the purchase was for a XXXX 60 volt maximum lithium ion battery. I was also able to deduce that the account holders name, address, and phone number were not the same as mine, yet again. Then I learned that the last name of the purchaser was XXXX of which, I know none. \n\nFinally, I contacted BofA again today only to find that the case had been once again closed for the same reasons as before. The investigators failing to do their due diligence or choosing to not pursue the case further, instead allowing Bank of America to steal the money from me rather than the responsible parties. \n\nI learned that XXXX XXXX and XXXX both would pay the amounts to Bank of America if the case was proven then would have to pursue a suit against the perpetrators to recover their losses. Also, the personal information of the perpetrator is not available to the victim by law, however, it is available to the investigators and Bank of America. \n\nI respectfully request this issue be investigated in order to right the wrong that has happened and return our money that we did not spend. \n\nAgain, thank you for your time in this matter.","date_sent_to_company":"2018-03-24T05:06:36.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"856XX","tags":null,"has_narrative":true,"complaint_id":"2852793","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-03-24T00:02:54.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I <em>learned</em> that XXXX XXXX and XXXX both would pay the amounts to Bank of America if the case was proven then would have to pursue a suit against the perpetrators to recover their losses. Also, the personal <em>information</em> of the perpetrator is not <em>available</em> to the victim by law, however, it is <em>available</em> to the <em>investigators</em> and Bank of America. \n\nI respectfully request this issue be <em>investigated</em> in order to right the wrong that has happened and return our money that we did not spend."]},"sort":[13.372269,"2852793"]},{"_index":"complaint-public-v1","_id":"18633519","_score":12.652512,"_source":{"product":"Credit card","complaint_what_happened":"My credit card issuer, Capital One reduced my credit limit from {$2000.00} to {$1500.00} sometime in XXXX or XX/XX/XXXX. The reduction was made without any written or electronic notice. \nI did not receive any adverse action notice before or after the decrease. I learned of the reduction only when I accessed the issuers mobile application to investigate why my available credit had changed. The application displayed the lower limit but provided no legally required disclosure. \nAfter further inquiry, the issuer confirmed that the reduction was based in whole or in part on information obtained from my consumer credit report reflecting late payments reported by a different creditor. No notice identified the consumer reporting agency relied upon. No notice stated that the consumer reporting agency did not make the decision. No notice advised me of my right to obtain a free copy of my credit report within 60 days. No notice advised me of my right to dispute the accuracy or completeness of the information. \nThis conduct violates the Fair Credit Reporting Act, 15 U.S.C. 1681m ( a ). A credit limit reduction based on a consumer report constitutes an adverse action requiring strict compliance with FCRA notice requirements. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ). Oral explanations or passive display of a reduced limit in an application do not satisfy the statute. \nThe reduction also implicates the Truth in Lending Act and Regulation Z, 15 U.S.C. 1637 ( i ) and 12 C.F.R. 1026.9 ( c ), because it was not based on delinquency on this account and was implemented without required disclosure. \nThe failure to provide notice deprived me of the statutory opportunity to timely obtain my credit report and dispute potentially inaccurate information. It also increased my credit utilization ratio and reduced my available credit without lawful process.","date_sent_to_company":"2026-01-11T07:45:03.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"89148","tags":null,"has_narrative":true,"complaint_id":"18633519","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-11T07:35:41.000Z","state":"NV","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The reduction was <em>made</em> without any written or electronic notice. \nI did not receive any adverse action notice before or after the decrease. I <em>learned</em> of the reduction only when I accessed the issuers mobile application to <em>investigate</em> why my <em>available</em> credit had changed. The application displayed the lower limit but provided no legally required disclosure."]},"sort":[12.652512,"18633519"]},{"_index":"complaint-public-v1","_id":"18435783","_score":12.595017,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2025, I was approached by an outdoor vendor operating at XXXX XXXX XXXX in XXXX XXXX XXXX, Utah, who represented themselves as affiliated with a company called XXXX XXXX XXXX XXXX. The vendor claimed to be selling music CDs and stated that a portion of the proceeds would benefit youth in the community. I agreed to make XXXX {$20.00} donations ( totaling {$40.00} ) using my Wells Fargo debit card. \nThe vendor used a handheld chip reader and explicitly stated they could not accept cash when I attempted to pay that way. After completing the transaction, I requested a receipt and was told that they were unable to provide one. This immediately raised concern.\n\nI stepped away to verify my account by calling Wells Fargo using the phone number on the back of my debit card. While on the phone with Wells Fargo representatives, I learned that instead of a {$20.00} charge, a single transaction of {$1800.00} had been processed, leaving my account with {$320.00} and some change. I then learned that a second unauthorized charge of {$1000.00} had also been attempted.\n\nI immediately returned to the location of the vendor, but they had fled the scene.\n\nAfter I had reported the fraud, the {$1800.00} transaction was still pending for approximately a week or longer. Despite my repeated communications with Wells Fargo during this periodexplicitly informing them that the transaction was fraudulentthe bank made no attempt to stop or reverse the pending charge before it posted. \nWells Fargo initially provisionally credited my account during the investigation. However, they later removed the funds, asserting that there was evidence supporting the charge, without providing meaningful justification. The merchant, XXXX XXXX XXXX XXXX, has no publicly available contact information, and Wells Fargo themselves acknowledged they had no contact information for this merchant. \nWells Fargo has now stated that unless I can produce a receipt showing that I only authorized a {$20.00} transaction, they will not reverse the charge. This requirement is unreasonable and impossible to satisfy. I had no ability to compel the vendor to provide a receipt, and the lack of a receipt is itself a key indicator of fraud. I reported the unauthorized transaction immediately, while it was still pending, and complied with every request made of me, including filing a police report. Wells Fargo initially indicated the police report would be sufficient, only to later reverse that position.","date_sent_to_company":"2026-01-03T01:36:50.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"84116","tags":null,"has_narrative":true,"complaint_id":"18435783","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-03T01:02:30.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["The merchant, XXXX XXXX XXXX XXXX, has no publicly <em>available</em> contact <em>information</em>, and Wells Fargo themselves acknowledged they had no contact <em>information</em> for this merchant. \nWells Fargo has now stated that unless I can produce a receipt showing that I only authorized a {$20.00} transaction, they will not reverse the charge. This requirement is unreasonable and impossible to satisfy."]},"sort":[12.595017,"18435783"]},{"_index":"complaint-public-v1","_id":"2716153","_score":12.485567,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX Date Outcome XXXX Fraudulent purchase at XXXX XXXX Fraud dispute credit XXXX Fraud dispute reopened {$970.00} charged again to acct. \nMem. weekend. Call BOA. Unable to contact fraud dept. because of memorial day XXXX Contact fraud dept to dispute fraud charge reinstatement XXXX '' Fraud dept. will call you back '' XXXX '' Fraud dept. is def. going to call you back '' XXXX '' You will hear from fraud dept. within the next few days via mail or online banking '' XXXX Claim denied letter received XXXX Message left w XXXX XXXX, claims investigator responsible for denying \" second '' claim : No new information presented justifying 2nd denial. Awaiting callback. \nXXXX No call back received XXXX Called back and spoke to fraud supervisor. She asks me to submit police report to XXXX. Please include CC # XXXX Police Report and letter faxed to Bank of America fraud center XXXX BOA rejects fraud claim again by message center XXXX Sent letter to BOA again refuting denied claim XXXX XXXX, XXXX Bank of America : Please find attached a police report for the fraud claim on my credit card account # for a fraudulent charge of {$970.00} received on XXXX/XXXX/XXXX from XXXX XXXX. This police report was requested by a supervisor in the Fraud Department on XXXX/XXXX/XXXX. In addition to the attached report, please take into consideration my unique-in-the-world first and last name, publicly available address, publicly available phone number, and publicly available email. Using this publicly available data as evidence in dismissing a fraud claim is highly problematic for individuals like myself with public profiles and uncommon names. \nPlease continue your investigation of this crime and refund my account in the amount of {$970.00}. You may confirm the receipt of these materials to me at my disclosed home address, phone, or email. \n\nThank you for your time, XXXX XXXX, XXXX Bank of America : I am writing again in regard to the fraud claim on my credit card account # for a fraudulent charge of {$970.00} received on XXXX/XXXX/XXXX from XXXX XXXX. I am very disappointed that you are unable to resolve this claim in my favor. I repeat my concern that you have based the validity of this charge on publicly-available information such as address, email, and phone number. I am especially concerned that your investigator also disregarded the fact that my last name was spelled wrong on the supplementary documentation submitted to you by this online ticketing agency. It is unbelievable to think the retailer submitted anything but the original name input made by whomever committed this fraud and equally unbelievable to claim I go around spelling my name incorrectly as. I am also highly disappointed that I only learned of this fact after nearly six months of calling your office during my last conversation with a BOA employee on XXXX. \nPlease reverse your decision. I am beginning the process to shut down all of my Bank of America credit cards and accounts. \n\nThank you for your time,","date_sent_to_company":"2017-10-30T19:24:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"11105","tags":null,"has_narrative":true,"complaint_id":"2716153","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-10-30T19:14:58.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I repeat my concern that you have based the validity of this charge on publicly-<em>available</em> <em>information</em> such as address, email, and phone number. I am especially concerned that your <em>investigator</em> also disregarded the fact that my last name was spelled wrong on the supplementary documentation submitted to you by this online ticketing agency."]},"sort":[12.485567,"2716153"]},{"_index":"complaint-public-v1","_id":"7125521","_score":12.211777,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I spent a year in XXXX my information was stolen by XXXX XXXX XXXX in the country including my passport. The group cloned my phone and created fake credit cards and debit cards and made many transactions I was unable to report the information because I was still in the country and the threat of XXXX was a constant and I was under duress and my coworkers also so even leaving the country and reporting the issues was life and death. I had my apartment broken into and had my computer and other personal items stolen which I reported to the local police in XXXX and I asked them to use discretion because the perpetrators are unknown. I reported everything when I returned to the United States and my coworkers were all back on American soil. My bank XXXX XXXX denied my claim and refused to return the money and credit my credit card accounts. They returned some money to my personal account of {$560.00} but denied all the bigger claims even with police reports and emails from the XXXX XXXX XXXX. I have provided all the proof that is available to me as a US citizen in a foreign country. XXXX XXXX XXXX is not alerting me to why they are denying my claims until I have to keep calling for answers. This is an ongoing problem with the bank ive learned through various social media sites. The incident began in XXXX of XXXX, They were alerted to the situation when I returned to the United States and to help track the stolen money I had to hire a private investigator. The supervisors of the fraud department agree with my evidence and don't know why the claim keeps getting denied and this can be verified with the tapped conversations. Also, the investigator is not reading the emails that I keep sending because they are responding without reading the information and making various mistakes. I fear I will lose my money in retaliation. The investigation has been ongoing since XXXX of XXXX it is now XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-06-17T03:19:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19050","tags":null,"has_narrative":true,"complaint_id":"7125521","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-17T03:19:29.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Also, the <em>investigator</em> is not reading the emails that I keep sending because they are responding without reading the <em>information</em> and making various mistakes. I fear I will lose my money in retaliation. The <em>investigation</em> has been ongoing since XXXX of XXXX it is now XXXX XXXX XXXX XXXX"],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[12.211777,"7125521"]},{"_index":"complaint-public-v1","_id":"15694955","_score":12.118787,"_source":{"product":"Student loan","complaint_what_happened":"XX/XX/XXXX Since XXXX, XXXX ( so for 18 months now ) I have been trying to get answers from MOHELA regarding anomalies I have found in the financial accounting for the XXXX student loans they are servicing on behalf of the federal government. MOHELA has been unable or unwilling to provide answers. \n\nHere are a few examples of some of the irregularities documented in my account history, as excerpted directly from correspondence I have sent to MOHELA : ===== In XXXX, XXXX, and XXXX XXXX, 100 % of my payments made was applied to interest. If you look at my payment history, I always pay in round numbers. It is virtually impossible that the interest accrued on all XXXX of my loans came to a round number. \n===== The payments I made to loans XXXX and XXXX at the end of XX/XX/XXXX were inexplicably applied entirely to interest. I pay in round numbers. Even before digging into the books, you surely can see how unlikely it is that each loan accrued an even multiple of XXXX. More incomprehensible still is the payment I made that same month to loan XXXX : my account history shows that {$190.00} of the {$300.00} payment was applied to principle, but my principle balance did not change by a XXXX. \n\nThe interest accrued on loans XXXX, XXXX, and XXXX fluctuates more than is even logical. There seems to have been some sort of adjustment made in XX/XX/XXXX to the interest accrued on loan XXXX. Loan XXXX likewise seems to have had some accounting adjustment made to it in XX/XX/XXXX. These irregularities are not in my financial favor. \n\n===== For the past 18 months, I have submitted a complaint with a request for answers every month when I complete my on-time payment. I have also called MOHELA several times. When my case rose to the highest customer service expert at MOHELA, I learned in speaking with her that she has no financial or information-technology background or knowledge. \n\nI learned this when I asked if some of the errors could have occurred when MOHELA was changing platforms. Twice since MOHELA took over servicing my loans, my account information and history has been unavailable for XXXX weeks or more as they change platforms. My payment history prior to XX/XX/XXXX is also shown as unavailable on MOHELAs website. I, however, have copies of my payment history. That history shows the anomalies I mentioned above as well as others. \n\nMOHELA has declined or neglected to respond to any of my inquiries since XXXX, XXXX. Earlier this year, I escalated my case through the Ombudsman website. I have now written to the Ombudsman XXXX times. I received XXXX reply, which was to my original inquiry of the Ombudsman. \n\nI am a former CPA and keep my own records of what I owe. MOHELA, as I mentioned, does not make my history available. Neither does it keep record of all of my inquiries ( or it makes them unavailable on the site. ) In total, I have sent XXXX inquiries and only XXXX of them are available on the site. \n\nI am not alone in my accusations of MOHELA for mismanaging my loans. In XXXX, XXXX, the XXXX XXXX XXXX XXXX published an article about a lawsuit in which the XXXX alleges XXXX illegally overcharged borrowers on their monthly student loan bills, failed to timely process paperwork, and actively misled borrowers about their student loan accounts. In XXXX, XXXX, MOHELA was once again sued. MOHELA is currently under investigation by the government for its fraudulent practices. \n\nWhy is this company allowed to continue to abuse student borrowers? And what can borrowers do to shut them down? \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-09-03T19:04:42.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"29609","tags":null,"has_narrative":true,"complaint_id":"15694955","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2025-09-03T18:54:18.000Z","state":"SC","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["When my case rose to the highest customer service expert at MOHELA, I <em>learned</em> in speaking with her that she has no financial or <em>information</em>-technology background or knowledge. \n\nI <em>learned</em> this when I asked if some of the errors could have occurred when MOHELA was changing platforms. Twice since MOHELA took over servicing my loans, my account <em>information</em> and history has been unavailable for XXXX weeks or more as they change platforms."],"sub_issue":["Received bad <em>information</em> about your loan"]},"sort":[12.118787,"15694955"]},{"_index":"complaint-public-v1","_id":"4382199","_score":12.09069,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am an account holder at Bank of America and I hereby wish to notify you that I have been the victim of a scam on my Bank of America account. \nOn XX/XX/2021, Mr. XXXX XXXX, account holder # XXXX at Bank of America, made a purchase of a kayak for me through my XXXX account for an amount of {$790.00}. We agreed that said amount ( {$790.00} ) would be transferred to my account at Bank of America according to messages that he transmitted to me from his XXXX  number XXXX to my XXXX number on XX/XX/2021 ( I have the supports of this conversation, from be necessary ). \nOn XX/XX/2021, when checking my account at Bank of America, I found an unexpected deposit in the amount of {$9100.00} and immediately sent an email to Mr. XXXX XXXX, who is the Bank of America employee who opened my account. and he is the person to whom I must report any irregularity in my account ( I have the support of the mail sent to Mr. XXXX XXXX, if necessary ). Additionally, I contact Mr. XXXX XXXX, through his XXXX  number XXXX to transmit the irregular situation, since I did not expect any other deposit in my account except the {$790.00} agreed with him for the sale of the kayak. \nImmediately, he explained to me that it was indeed an error, since he mistakenly deposited into my account the amount of {$9100.00} that was for another beneficiary ( I have the support of this deposit, if necessary ) and the payment that corresponded to me for {$790.00} he made it to another beneficiary ( I have the support of this deposit, if necessary ) claiming that it had been an error of his secretary ( I have the support of this conversation through his XXXX number XXXX, if necessary ). \nTo solve the problem, he demanded that I transfer, immediately, the difference between the amount deposited by mistake of {$9100.00} and the amount agreed for the sale of the kayak of {$790.00}, to his account # XXXX in Bank of America in the name of XXXX XXXX. I proceeded then, always in my good faith, again to check the balance in my account at Bank of America and it actually appeared added ( AVAILABLE ) the amount deposited of {$9100.00}. After this, on XX/XX/2021 I made the transfer ( of the difference ) for an amount of {$8300.00} ( I have the support of this transfer, if necessary ) and I sent the information of said transfer to your XXXX number XXXX ( I have the support of this conversation, if necessary ). \nWhen reviewing my account at Bank of America, I find that on XX/XX/2021 the bank debited from it the {$9100.00} ( which had been deposited to me ) plus a charge of {$12.00} ( I have the support, if necessary ). I want to note that it was only as of XX/XX/2021 that the Bank of America system allowed me to find out about the debit made to my account and additionally that the deposit had been made by check. \nOn the other hand, on XX/XX/XXXX, XXXX, the date from which the digital image of the check was available in the Bank of America system, I learned that the person who issued the check for {$9100.00} is not Mr. XXXX XXXX but the company XXXX XXXX XXXX XXXX ( I have the support of the check, if necessary ). When I found out about this check, which according to the digital image, is from XXXX XXXX XXXX, I contact said bank and they send me an e-mail where they say that the company XXXX XXXX XXXX XXXX has never been or is a client of that bank ( I have the support of that e-mail, if necessary ). \nObviously, Mr. XXXX XXXX forged a check and deposited it or had it deposited into my account at Bank of America, knowing this vulnerability that Bank of America has, which immediately puts the money available in the beneficiary 's account, without previously verifying the effective availability of the money deposited for the purposes of crediting it into the account. In effect, the amount deposited was reflected in my account, as available, without any type of alert, for example : deferred or pending, which meant for me that all the necessary procedures were overcome so that it is properly credited to my account and consequently available. \nHowever, when I made the claim to Bank of America under the number : XXXX ( I have the support, if necessary ), they replied that Bank of America has no responsibility in this regard and that my claim is not applicable. That is, they credit as available an amount that was not available because it was a false check as indicated by them and investigated by me ( as mentioned above ) and they argue that they have no responsibility, UNACCEPTABLE. That is, they do not respond for the certainty of what they credit as available. \nThe seriousness of the case is such that it was a false check, which shows the serious and inconceivable security breach of Bank of America that seriously harms those of us who have our money at Bank of America and who handle our accounts honestly. and seriously. This policy benefits all these scammers who are on the lookout for any weakness of the bank, in order to carry out their scams. \nI am coming to you to submit to a rigorous investigation Mr. XXXX XXXX, owner of account # XXXX at Bank of America. \nWithout further ado for the moment and thanking you sincerely for your attention","date_sent_to_company":"2021-05-17T15:09:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"10025","tags":"Older American","has_narrative":true,"complaint_id":"4382199","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-05-17T14:40:22.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I want to note that it was only as of XX/XX/2021 that the Bank of America system allowed me to find out about the debit <em>made</em> to my account and additionally that the deposit had been <em>made</em> by check. \nOn the other hand, on XX/XX/XXXX, XXXX, the date from which the digital image of the check was <em>available</em> in the Bank of America system, I <em>learned</em> that the person who issued the check for {$9100.00} is not Mr."]},"sort":[12.09069,"4382199"]},{"_index":"complaint-public-v1","_id":"4821639","_score":11.932619,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have been with Wells Fargo since the 1990s, and have also been in business since that time. This morning, I was solicited by a Wells Fargo Bank Personal Banker, in the branch, for a \" Wells Fargo Business Credit Card ''. Although I immediately declined interest ( as I have enough revolving credit available already ), the employee tried to sell me on the fact that \" this business card would build the business 's credit ''. Being very familiar with Wells Fargo 's \" sales practices '' and their history of unethical credit sales practices ( for which they have been fined in the past by the U.S. government ) ; AND, my knowledge and experience with business credit, I expressed my skepticism to the banker. I tried to give her the benefit of the doubt, and allow her to address my reticence, but she became quite defensive, argumentative, and rude. So, I stuck to my declination, and decided to look into her claims later. I've now done that, and not surprisingly, she was lying through her teeth ( as I suspected ). According to XXXX ( since Wells Fargo does not make the necessary information readily available online ), like most retail \" business '' credit cards, they \" do not help build your business credit ''. The reason I am so upset, is because not only has Wells Fargo been punished for unethical practices involving their credit products in the past, but most customers are not as savvy about credit as I am, and I know that this dishonest practice has undoubtedly enticed countless others into availing themselves of this Wells Fargo product, for a promised benefit that is not available. I also know this is not an isolated issue, because I've received the same dishonest \" pitch '' for this exact same product for decades, from employees in branches across the country. What made this occasion more objectionable, is the attitude that the employee had. Previous employees have acknowledged their lack of understanding and certainty about the false claim ; this one became defensive, argumentative, and rude -- another tactic that likely coerces customers of a different constitution. Since unnecessary credit has a tangibly negative impact on consumers, I believe that this issue ought to be adequately investigated by the CFPB, and that they should hold Wells Fargo accountable for the continued pattern of unethical credit sales practices ( since they clearly have not learned their lesson from the last round of fines ).","date_sent_to_company":"2021-10-19T00:13:20.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"92592","tags":null,"has_narrative":true,"complaint_id":"4821639","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-10-18T23:47:47.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["According to XXXX ( since Wells Fargo does not make the necessary <em>information</em> readily <em>available</em> online ), like most retail \" business '' credit cards, they \" do not help build your business credit ''."]},"sort":[11.932619,"4821639"]},{"_index":"complaint-public-v1","_id":"4858358","_score":11.8774805,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I deposited a handwritten check for {$40000.00} into my business acct using an ATM in a branch. Unexpectedly, a deposit hold of 7 business days was placed until XX/XX/XXXX. To avoid the same problem, my client issued the second payment for the same amount, {$40000.00}, as a cashier 's check which was deposited on XX/XX/XXXX with a teller in a branch. A portion was supposed to be made available at XXXX XX/XX/XXXX and the remainder at XXXX on XX/XX/XXXX. The handwritten check I deposited on XX/XX/XXXX cleared my client 's account on XX/XX/XXXX. Bank of America said that they had not received the funds and the reasons I was given for the funds not being available to my company to use, did not make sense, and were not consistent with my understanding of Title 12 or Regulation CC. I was left to feel as though I was being racially profiled and filed such complaint in good faith on XX/XX/XXXX. On XX/XX/XXXX a bank representative followed up with me, promised to investigate and committed to calling back within 24-48 hours. I have since learned that the next day, on XX/XX/XXXX the bank decided to falsely classify the cashier check I deposited on XX/XX/XXXX as counterfeit and are using the false information as the basis to close my business account. When the cashier check was presented to the issuing bank it was not returned, the funds are not in my client 's account, and there is no evidence Bank of America has of it being counterfeit. Yet they have made this false allegation and are refusing to provide me access to the funds. Furthermore, I am unable to access the funds that were deposited on XX/XX/XXXX, debited from my client 's account on XX/XX/XXXX, and the deposit hold released on XX/XX/XXXX. On XX/XX/XXXX I entered a branch to request a cashier check for {$40000.00} and was denied. On the same day I attempted to withdraw {$800.00} from an ATM and was denied. It is my perception that the decision to falsely classify the check as counterfeit and to close my company 's account are in retaliation for my good faith reporting of a XXXX profiling concern. As of XX/XX/XXXX my online banking account shows the funds as available but there is some flag deeper in their system that is stopping any debits from being processed. They said they were going to close the account on XX/XX/XXXX, then XX/XX/XXXX, and today they have now changed the date to XXXX. I have made repeated requests for official notification that is compliant with Title 12 and Reg CC for funds availability and been told that they will not do that. I have been lied to repeatedly by multiple Bank of America employees, to the extent that they make up their names and associate IDs. I have been given the run around and asked to do work that should not be required of any banking customer. The only representative with who I have spoken that made any sense said that because of the ( false ) counterfeit finding the bank had no intention of returning the funds to me, rather they would be put into an Unclaimed Funds account and the only way to retrieve them would be for my client to submit a complaint with their bank, their bank to forward it to BoA, for BoA to investigate and should there be a favorable outcome they would return to the original bank to credit my client who would then have to issue another payment to me. The same representative disclosed that there was no evidence of the check being counterfeit, just a flag in the system that could not be substantiated. As of the date of filing this complaint the bank has held my company 's funds for ten business days and reportedly intends to for a minimum of three more business days on XXXX, unless of course they change the account closure date again.","date_sent_to_company":"2021-10-29T23:53:03.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30319","tags":null,"has_narrative":true,"complaint_id":"4858358","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-10-29T23:42:36.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX a bank representative followed up with me, promised to <em>investigate</em> and committed to calling back within 24-48 hours. I have since <em>learned</em> that the next day, on XX/XX/XXXX the bank decided to falsely classify the cashier check I deposited on XX/XX/XXXX as counterfeit and are using the false <em>information</em> as the basis to close my business account."]},"sort":[11.8774805,"4858358"]},{"_index":"complaint-public-v1","_id":"7125519","_score":11.858263,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I spent a year in XXXX my information was stolen by XXXX XXXX XXXX in the country including my passport. The group cloned my phone and created fake credit cards and debit cards and made many transactions I was unable to report the information because I was still in the country and the threat of violence was a constant and I was under duress and my coworkers also so even leaving the country and reporting the issues was life and death. I had my apartment broken into and had my computer and other personal items stolen which I reported to the local police in XXXX and I asked them to use discretion because the perpetrators are unknown. I reported everything when I returned to the United States and my coworkers were all back on American soil. My bank NAVY FEDERAL denied my claim and refused to return the money and credit my credit card accounts. They returned some money to my personal account of {$560.00} but denied all the bigger claims even with police reports and emails from the XXXX  Attorney General. I have provided all the proof that is available to me as a XXXX citizen in a foreign country. Navy Federal Bank is not alerting me to why they are denying my claims until I have to keep calling for answers. This is an ongoing problem with the bank ive learned through various social media sites. The incident began in XXXX of XXXX, They were alerted to the situation when I returned to the United States and to help track the stolen money I had to hire a private XXXX. The supervisors of the fraud department agree with my evidence and don't know why the claim keeps getting denied and this can be verified with the tapped conversations. Also, the investigator is not reading the emails that I keep sending because they are responding without reading the information and making various mistakes. I fear I will lose my money in retaliation. The investigation has been ongoing since XXXX of XXXX it is now XX/XX/XXXX 2023","date_sent_to_company":"2023-06-17T03:19:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19050","tags":null,"has_narrative":true,"complaint_id":"7125519","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-06-17T02:34:02.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Also, the <em>investigator</em> is not reading the emails that I keep sending because they are responding without reading the <em>information</em> and making various mistakes. I fear I will lose my money in retaliation. The <em>investigation</em> has been ongoing since XXXX of XXXX it is now XX/XX/XXXX 2023"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[11.858263,"7125519"]},{"_index":"complaint-public-v1","_id":"4823479","_score":11.768631,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/ My wife and I have a joint checking account at Citizens Bank. On XX/XX/, my wife deposited {$2900.00} in cash at an ATM of a branch office. During the transaction, the process hung, and a teller told my wife she would come out and resolve it. The teller and others from the office could not retrieve the debit card but saw that the cash was deposited. A 'DDA Statement Inquiry ' was printed out for my wife to acknowledge the ATM deposit of {$2900.00} and the balance on the account was updated as such. \n\nOn XX/XX/XXXX, I paid a mortgage. My account should have had plenty of funds in it, but then, to my surprise, I received a notification by email that an 'overdraft line transfer ' occurred. On reviewing my account, I learned that on XX/XX/XXXX, Citizens bank made a 'Debit Memo, DDA Debit ' of {$2900.00}, which is a reversal of the deposit made on XX/XX/XXXX. \n\nI called a customer service line at Citizens Bank and asked what had happened. After about an hour of confusion at Citizens Bank, the best the person could do was open an investigation. He admitted that there were no notes or records that would justify taking the money. \n\nA few days after XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) from Citizens Bank stating that they completed their investigation and based on the information you provided and the documentation available to us, we concluded that the nature of your dispute is unclear. As a result, your claim is denied. \n\nOn XX/XX/XXXX, my wife went and spoke to the branch manager and asked about the status of returning our money. The manager didn't know what my wife was talking about and did not see any debit of {$2900.00}. When my wife returned and told me, I realized there was a severe problem, took an hour off from work, and went and talked to the manager. When she reviewed the account, she immediately saw that her office had debited {$2900.00} from the account. She had no explanation. She said she would look into it. I asked how long it would take? She said ten days. I said that is nonsense. She said, 'give me two days. ' I did not hear back from her. I called her on XX/XX/XXXX, and she was not available, so I left a message. She returned the call two hours later but didn't know who I was or why I was calling. I reminded her, and she said she would look into it. \n\nAs of XXXX, on XX/XX/XXXX, I have not received a status.","date_sent_to_company":"2021-10-19T15:40:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"03060","tags":"Servicemember","has_narrative":true,"complaint_id":"4823479","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2021-10-19T14:37:41.000Z","state":"NH","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On reviewing my account, I <em>learned</em> that on XX/XX/XXXX, Citizens bank <em>made</em> a 'Debit Memo, DDA Debit ' of {$2900.00}, which is a reversal of the deposit <em>made</em> on XX/XX/XXXX. \n\nI called a customer service line at Citizens Bank and asked what had happened. After about an hour of confusion at Citizens Bank, the best the person could do was open an <em>investigation</em>. He admitted that there were no notes or records that would justify taking the money."]},"sort":[11.768631,"4823479"]},{"_index":"complaint-public-v1","_id":"11972778","_score":11.717449,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am filing this complaint against Experian for repeatedly violating the Fair Credit Reporting Act ( FCRA ) and failing to properly investigate and correct inaccuracies on my credit report. These violations have caused significant harm to my financial well-being and creditworthiness. \n\nBackground : I have made multiple attempts to dispute inaccurate information on my Experian credit report, including by phone on XX/XX/year>2024. Despite my efforts, Experian has failed to comply with its legal obligations under the FCRA, specifically : 15 USC 1681e ( b ) : Experian did not maintain reasonable procedures to ensure the accuracy of my credit report.\n\n15 USC 1681s-2 : Experian failed to properly investigate my disputes and correct inaccuracies.\n\n15 USC 1681i ( 5 ) : Experian did not conduct a reasonable reinvestigation of the disputed information.\n\n15 USC 1681c ( c ) : Experian reported outdated or inaccurate information that should have been removed.\n\nRecent Developments : I recently learned about the CFPBs lawsuit against Experian ( CFPB Sues Experian for Sham Investigations of Credit Report Errors ), which alleges that Experian systematically fails to investigate disputes and continues to report inaccurate information. This lawsuit confirms my experience and demonstrates a pattern of non-compliance with federal law.\n\nHarm Caused : Due to Experians failure to correct inaccuracies on my credit report, my credit score has been severely impacted. As a direct resultXX/XX/XXXXXXXX recently closed two of my very important credit card accounts, citing my poor credit. This has further damaged my ability to access credit, housing, and employment opportunities.\n\nRequest for Action : I request that the CFPB : Investigate Experians handling of my disputes and ensure that all inaccuracies on my credit report are corrected.\n\nHold Experian accountable for its violations of the FCRA.\n\nProvide any additional remedies available under the law, including compensation for the harm caused by Experians actions.\n\nThank you for your attention to this matter. I look forward to your prompt response and resolution. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-06T18:07:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77056","tags":null,"has_narrative":true,"complaint_id":"11972778","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-06T16:38:32.000Z","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":["Recent Developments : I recently <em>learned</em> about the CFPBs lawsuit against Experian ( CFPB Sues Experian for Sham <em>Investigations</em> of Credit Report Errors ), which alleges that Experian systematically fails to <em>investigate</em> disputes and continues to report inaccurate <em>information</em>. This lawsuit confirms my experience and demonstrates a pattern of non-compliance with federal law."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[11.717449,"11972778"]},{"_index":"complaint-public-v1","_id":"12883220","_score":11.63501,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Formal Dispute of Fraud Claim Denial Urgent Request for XXXX Dear Wells Fargo XXXX XXXX XXXX, I am writing to formally dispute the recent denial of my fraud claim and to demand immediate reconsideration based on critical information and supporting documentation regarding the fraudulent activity that occurred on XX/XX/year>. \n\nSummary of Incident : At approximately XXXX XXXX  on XX/XX/year>, unauthorized access was gained to both my checking and savings accounts. \n\nWithin minutes, XXXX new accounts were fraudulently opened in my name. The fourth attempt was blocked. \n\nBy XXXX XXXX, I received a call alerting me to suspicious activity. I refused to give information over the phone and instead went directly to my Wells Fargo branch in XXXX, XXXX. \n\nThe local branch confirmed multiple accounts had been fraudulently opened and began the process of closing them and starting an investigation. \n\nSimultaneously, I discovered my cell phone was no longer functioning. Upon contacting XXXX, they confirmed that, overnight, my account had been accessed, my number cancelled, and a new phone number ( XXXX ) was activated on an XXXX using XXXX XXXX none of which was authorized by me. \n\nWith this new XXXX and access to my banking info, the fraudster made unauthorized XXXX XXXX charges, primarily in the XXXX XXXX. \n\nWells Fargo was able to recover {$2500.00}, but I have now received a denial letter stating that the claim has been denied based on the information available to us... we were unable to identify any indicators of fraudulent activity. This is a shocking and unacceptable conclusion. \n\nWhy Your Denial is Incorrect : The phone number and device used were not mine. Spectrum has verified that this change was not made by me and involved a new device. \n\nThe online sessions were not from my device or IP. Any claim that the login was secure does not mean it was me. My SIM and account were hijacked overnight. \n\nThe fraudulent activity began at XXXX AM, while I was asleep. I only learned of it at XXXX AM and took immediate action. \n\nTransactions occurred internationally, in locations I have never been. \n\nRequested Action : Reopen my fraud investigation with proper consideration of the full facts. \n\nProvide the IP addresses, device information, and timestamps of the sessions Wells Fargo believes were secure. \n\nRefund the remaining {$4800.00} that was fraudulently taken.","date_sent_to_company":"2025-04-08T14:38:13.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"34683","tags":"Older American","has_narrative":true,"complaint_id":"12883220","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-04-08T14:07:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["With this new XXXX and access to my banking info, the fraudster <em>made</em> unauthorized XXXX XXXX charges, primarily in the XXXX XXXX. \n\nWells Fargo was able to recover {$2500.00}, but I have now received a denial letter stating that the claim has been denied based on the <em>information</em> <em>available</em> to us... we were unable to identify any indicators of fraudulent activity. This is a shocking and unacceptable conclusion. \n\nWhy Your Denial is Incorrect : The phone number and device used were not mine."]},"sort":[11.63501,"12883220"]},{"_index":"complaint-public-v1","_id":"7075313","_score":11.624128,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Hello I called ells Fargo numerous times and even went to the bank manager within a hour learning the supposedly undenied fraudent situation. At the Bank, they assured me the charges will be removed so I did not need to pull my remaining money out. \n\n9 days later when I inquired a lady in XXXX  from Wells fargo said they investigated and left it charged in my account, so I can never get my money back. \n\nIn reality, I never made the charges and I actually, learned the charges were occurring with what the Wells fargo representative performing as putting in as disputes ... I verified it. On XX/XX/XXXX a wells fargo representative called me and said there were fraudelent activity on my account, I asked her by asking my balance in the account. She knew it and the called id said Wells fargo as well. Later I checked the phone records, it as a wells fargo phone number XXXX, I checked my phone records for the numberXXXX statements. \n\nThere were 17 chargers totalling {$2000.00} plus fees totaling # XXXX. \n\nUpon learning, I went to the police department and spend 5 hours talking to wells fargo representatives, everyone passed the buck to different departments. \n\nBased on my education and conversation and the phone records. It direct me to an inside job. Some one having access to Wells fargo phone line so it shows as Wells fargo and someone having access to data and someone that knows the investigation process. \nThen thay have a fast way to charge up the card with the same amount. \n\nI called and asked them to listen to my calls dated XX/XX/XXXX for 49 minutes and 37 minutes to see how this can be possible? \n\nI feel this situation requires more internal investigation with the information I have, I can be available and be glad to give my data for investigation. \n\nBasically they are charging cards fradulently and refusing /denying cases by offshore investigation that is not done properly. XXXX ladies name was XXXX. \n\nPlease investigate or call me at XXXX XXXX so I can provide all I have for clear investigation by professionals. I am very limited. \n\nThank you in advance for your cooperation. \n\nXXXX XXXX","date_sent_to_company":"2023-06-06T14:13:08.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"7075313","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-06-06T13:35:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I feel this situation requires more internal <em>investigation</em> with the <em>information</em> I have, I can be <em>available</em> and be glad to give my data for <em>investigation</em>. \n\nBasically they are charging cards fradulently and refusing /denying cases by offshore <em>investigation</em> that is not done properly. XXXX ladies name was XXXX. \n\nPlease <em>investigate</em> or call me at XXXX XXXX so I can provide all I have for clear <em>investigation</em> by professionals. I am very limited. \n\nThank you in advance for your cooperation. \n\nXXXX XXXX"]},"sort":[11.624128,"7075313"]},{"_index":"complaint-public-v1","_id":"2648408","_score":11.618275,"_source":{"product":"Debt collection","complaint_what_happened":"I received a letter from Phillips Cohen and Associates Ltd. on XX/XX/XXXX. The letter was dated XX/XX/XXXX. On XX/XX/XXXX I was shopping at XXXX XXXX and learned my account was frozen due to probate estate issues alleged by the aforementioned debt collector. I called the company but they were closed for the weekend. On Monday XX/XX/XXXX I called the company and was informed the collector was under the impression I was deceased. The person I talked to was a manager named XXXX, while talking to him I informed him I was not deceased. XXXX never informed me why or how his company reached this decision. He did say he would contact XXXX credit department and resolve the issue. He then gave me a number to call. The number was for XXXX XXXX probate department. I received more information from the representative from XXXXXXXXXXXX than I did from XXXX at PCA Ltd. The representative informed me my name got mixed up with my father who is a XXXX and I 'm a XXXX. I did not use the XXXX in my name, so thus the confusion. My complaint is freezing accounts without prior notice and not fully investigating who I was would have shown this was a non issue. I ca n't figure out why social security numbers were n't used to solve the issue before freezing accounts. This company has many complaints at the FDCPA. I was humiliated and embarrassed when my card was denied. I had available credit but account was frozen. PCA Ltd. seems to think this is normal business practice. I feel it must be business as normal if they 're never made to account for their actions. It is my hope no other consumers experience this humiliation.","date_sent_to_company":"2017-08-23T00:06:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"95376","tags":null,"has_narrative":true,"complaint_id":"2648408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Phillips & Cohen Associates, Ltd.","date_received":"2017-08-22T23:00:30.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I had <em>available</em> credit but account was frozen. PCA Ltd. seems to think this is normal business practice. I feel it must be business as normal if they 're never <em>made</em> to account for their actions. It is my hope no other consumers experience this humiliation."]},"sort":[11.618275,"2648408"]},{"_index":"complaint-public-v1","_id":"6287552","_score":11.469953,"_source":{"product":"Checking or savings account","complaint_what_happened":"In the process of resolving a disputed transaction that occurred on XX/XX/XXXX ( for the amt of {$600.00} ) Direct Express, on XX/XX/XXXX, withdrew {$600.00} in total from my account, deposited only {$300.00} immediately there after ( which hasn't cleared as of the date of this complaint ), and justified its actions via phone call to their customer service Dispute Resolution Dept as the being part of the decision to only allow me to recoup one part of the financial losses that occurred on XX/XX/XXXX. \n\nThe disputed financial loss that is in dispute occurred from an XXXXXXXX XXXX that retracted the withdrawn amount due to timing out. I waited a few days to address the occurrence with the XXXX XXXX due to my thinking that the return of the credit would happen automatically. After a few days of the credit not posting for pending, i called the company and was informed that the only recourse for me was to contact my financial institution and dispute the transaction. They opened a case file and gave me the reference number to forward to my financial institution so they could use it in their investigation. When I called Direct Express the next day, I learned there was an additional ATM withdrawal that I wasn't aware of. I called XXXX again and informed them of that problem and they gave me a separate case number for that problem. It was also described by XXXX as a computer glitch. \n\nDirect Express provisionally resolved the dispute on XX/XX/XXXX and then later retracted that recoupment without posting the retractment to my account as a - XXXX Their process requires dispute documentation to be returned in a timely manner in order for the provisional credit to be made into an actual credit. That did not occur so the credit disappeared. This made it difficult for the service agent to adequately assist me in gathering information when I called on XXXX about the transactions. I was giving them more information than they had readily available to them. \nRevolving balance accounts are not available on the consumer side of Direct Express ' transaction records- otherwise I could attach documents that show the provisional credit was withdrawn from my account. As it stands it's only my word that i can offer. \n\nOn XX/XX/XXXX, i sent in the dispute documentation via email and on XX/XX/XXXX another credit totalling {$600.00} was deposited to my account and was withdrawn on XX/XX/XXXX. \n\nWhile contacting the dispute dept on XXXX, I was informed that Direct Express had determined that it was only going to replace XXXX of the XXXX ATM transaction losses that led to the dispute. Furthermore, i was explicitly told that the other transaction was addressed via credit from the ATM company without any proof either on the consumer end or the service agent of my Direct Express account.","date_sent_to_company":"2022-12-06T22:01:22.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"80211","tags":"Servicemember","has_narrative":true,"complaint_id":"6287552","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Comerica","date_received":"2022-12-06T21:14:23.000Z","state":"CO","company_public_response":null,"sub_issue":"Can't stop withdrawals from your account"},"highlight":{"complaint_what_happened":["I was giving them more <em>information</em> than they had readily <em>available</em> to them. \nRevolving balance accounts are not <em>available</em> on the consumer side of Direct Express ' transaction records- otherwise I could attach documents that show the provisional credit was withdrawn from my account. As it stands it's only my word that i can offer."]},"sort":[11.469953,"6287552"]},{"_index":"complaint-public-v1","_id":"14082164","_score":11.17895,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to urgently dispute a 60-day late payment reported by XXXX XXXX on my XXXX-branded credit card. This delinquency is not reflective of my payment behavior and resulted from communication errors on XXXX XXXX  part. I am requesting a thorough and expedited review and removal of this derogatory item. \n\nIn early XXXX, XXXX XXXX mailed a notice about changes to XXXX accounts, but it was sent to a very outdated address. I was never notified via email or online account alerts. As a result, I continued submitting payments via online banking to the prior account, unaware that my account had changed or that a balance had accrued. \n\nI only became aware of the issue upon receiving a credit bureau delinquency alert. Upon contacting XXXX XXXX, I learned that the outdated address was still in their system. I have since updated my information and made multiple documented attempts to resolve the issue. While XXXX XXXX issued a past due fee waiver, they have refused to provide written confirmation that the reporting was due to their communication failure. \n\nAs of XX/XX/XXXX, I have paid the account in full. XXXX XXXX should have internal records or call logs that document my repeated efforts to resolve this and confirm that I acted in good faith. I am now in the process of purchasing a home, and this one incorrect item is jeopardizing that process. \n\nI respectfully request an urgent investigation and removal of this late payment from my credit report. I have attached all supporting documentation available and am happy to provide further details if needed. \n\nThank you for your immediate attention. \n\nXXXX XXXX XXXX : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX Current Phone : ( XXXX ) XXXX Email : XXXX Account : XXXX","date_sent_to_company":"2025-06-14T14:33:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"856XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14082164","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-14T14:33:12.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Upon contacting XXXX XXXX, I <em>learned</em> that the outdated address was still in their system. I have since updated my <em>information</em> and <em>made</em> multiple documented attempts to resolve the issue. While XXXX XXXX issued a past due fee waiver, they have refused to provide written confirmation that the reporting was due to their communication failure. \n\nAs of XX/XX/XXXX, I have paid the account in full."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[11.17895,"14082164"]},{"_index":"complaint-public-v1","_id":"14080434","_score":11.176842,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to urgently dispute a 60-day late payment reported by Capital One on my Kohls-branded credit card. This delinquency is not reflective of my payment behavior and resulted from communication errors on Capital Ones part. I am requesting a thorough and expedited review and removal of this derogatory item. \n\nIn early XXXX, Capital One mailed a notice about changes to Kohls accounts, but it was sent to a very outdated address. I was never notified via email or online account alerts. As a result, I continued submitting payments via online banking to the prior account, unaware that my account had changed or that a balance had accrued. \n\nI only became aware of the issue upon receiving a credit bureau delinquency alert. Upon contacting Capital One, I learned that the outdated address was still in their system. I have since updated my information and made multiple documented attempts to resolve the issue. While Capital One issued a past due fee waiver, they have refused to provide written confirmation that the reporting was due to their communication failure. \n\nAs of XX/XX/XXXX, I have paid the account in full. Capital One should have internal records or call logs that document my repeated efforts to resolve this and confirm that I acted in good faith. I am now in the process of purchasing a home, and this one incorrect item is jeopardizing that process.\n\nI respectfully request an urgent investigation and removal of this late payment from my credit report. I have attached all supporting documentation available and am happy to provide further details if needed. \n\nThank you for your immediate attention. \n\nXXXX XXXX DOB : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX Current Phone : ( XXXX ) XXXX Email : XXXX Account : XXXX","date_sent_to_company":"2025-06-14T14:33:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"856XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14080434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-14T14:19:48.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Upon contacting Capital One, I <em>learned</em> that the outdated address was still in their system. I have since updated my <em>information</em> and <em>made</em> multiple documented attempts to resolve the issue. While Capital One issued a past due fee waiver, they have refused to provide written confirmation that the reporting was due to their communication failure. \n\nAs of XX/XX/XXXX, I have paid the account in full."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[11.176842,"14080434"]},{"_index":"complaint-public-v1","_id":"18521202","_score":11.06167,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding Wells Fargos mishandling of legitimate check deposits and the resulting financial harm and unprofessional treatment I have experienced. \n\nI deposited two legitimate checks from two different companies totaling approximately {$15000.00} into my Wells Fargo checking account. One check was deposited on XX/XX/XXXX and the other on XX/XX/XXXX. Wells Fargo made the funds available, and I transferred the available funds to another bank. Several days later ( XX/XX/XXXX ), Wells Fargo reversed the full deposit amount, citing missing endorsement signatures on the checks, which immediately forced my account into a negative balance of approximately {$14000.00}. \n\nI was instructed by Wells Fargo to wait for the legal copies of the checks, endorse them properly, and redeposit them, which I did promptly. The legal copies of the checks, generated by Wells Fargo, were deposited on XX/XX/XXXX. However, Wells Fargo has now placed an additional extended hold of up to 15 days ( estimated fund release date is XX/XX/XXXX ) on the redeposited checks while my account remains severely negative, without any provisional credit or reasonable accommodation. The funds represented by these checks are legitimate and already existed when the original deposits were made available. Wells Fargo is effectively holding the same funds twice while subjecting me to extreme financial hardship. Wells Fargo has clearly stated during the multiple calls, that I have no choice but to wait. \n\nThis situation has caused significant and immediate harm. My paycheck is set up on direct deposit to this same checking account. Because the account is deeply negative due to this issue, I will not have access to my own working wages, which compounds the financial damage and places me in an untenable position. \n\nIn addition to the financial issues, on XX/XX/XXXX at approximately XXXX, I experienced extremely unprofessional conduct from a Loss Prevention representative. Over the course of this issue, I have been forced to explain the same situation more than 20 times across at least 8 phone calls ( XXXX and XXXX ) and 2 branch visits, often repeating the full details multiple times within the same call due to repeated transfers. When I asked for continuity and for the situation to be documented so I would not have to continuously repeat myself, I was told that its being recorded, which I later learned is not accessible to other representatives and provided no continuity of service. \nWhen I asked reasonable clarifying questions about why the redeposited checks were still on hold even though the funds had been made available originally, the representative responded rudely and dismissively, stating she had already explained, instead of providing the clarification I explicitly requested. When I asked what steps were required to close my account due to this experience, the representative repeatedly stated only that I could not close the account while checks are pending, but refused to provide any information on the actual process for closing the account or what would be required once the holds were resolved. \n\nThis conduct, combined with the prolonged mishandling of my account, was sufficient to cause me to lose confidence in Wells Fargo after nearly 20 years as a customer. The actions of the institution and its representative significantly worsened an already XXXX  financial situation and fell far below reasonable standards of professional customer service. \n\nRequested Resolution : Immediate provisional credit for the redeposited check amounts, removal of the negative balance and all related fees, written confirmation that this incident will not result in any adverse reporting or penalties, and a formal investigation of the Loss Prevention interaction using Wells Fargos call logs and recordings.","date_sent_to_company":"2026-01-07T03:38:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90660","tags":null,"has_narrative":true,"complaint_id":"18521202","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-07T03:27:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Wells Fargo <em>made</em> the funds <em>available</em>, and I transferred the <em>available</em> funds to another bank. Several days later ( XX/XX/XXXX ), Wells Fargo reversed the full deposit amount, citing missing endorsement signatures on the checks, which immediately forced my account into a negative balance of approximately {$14000.00}. \n\nI was instructed by Wells Fargo to wait for the legal copies of the checks, endorse them properly, and redeposit them, which I did promptly."]},"sort":[11.06167,"18521202"]},{"_index":"complaint-public-v1","_id":"9264492","_score":11.053737,"_source":{"product":"Checking or savings account","complaint_what_happened":"In between XX/XX/2024 and XX/XX/2024 there were several unauthorized transactions made from my debit card from XXXX XXXX XXXX XXXXXXXX, and other companies I have never dealt with. As soon as I learned of these transactions I reported it to my bank on XX/XX/XXXX and was given claim number XXXX. After days of waiting I received a phone call from the bank telling me my claim was denied and no further information was available other than they didnt think it was unauthorized. So I asked that my dispute be escalated and asked that I be sent paper work or some investigation report or something to show me why my claim was denied. XX/XX/XXXX I received an email saying my dispute had been escalated. A couple days later I received a voicemail asking me to call in. When I did I was told that my dispute was denied again. I asked why? After 10 minutes of the representative trying to figure out why, she finally told me that my dispute was denied because my account had been linked through my routing and account number to make these transactions. I asked if this was the only reason and she said yes. I logged in my account while I was on the phone with her and explained to her that these were all debit card transactions. She stated I was wrong. I further explained that every unauthorized transaction says right on the transaction that they were made with card ending in XXXX which was my current debit card so it is impossible that they came from my account being linked to anything. She said she couldnt give me anymore information and to try to contact the companies. My issue is whether the transactions were with my account number or my debit card they were still unauthorized. But the fact that they are blatantly lying to me, telling me they were done with my account numbers when their own records clearly say that they were debit card transactions, just in an effort to deny my claim is unethical. I am submitting screenshots of the emails between them and I, I also am sending screenshots of some of the actual transactions and as u will see the transactions clearly say they were done with card XXXX.","date_sent_to_company":"2024-06-14T16:22:22.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"432XX","tags":null,"has_narrative":true,"complaint_id":"9264492","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-06-14T15:55:34.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["In between XX/XX/2024 and XX/XX/2024 there were several unauthorized transactions <em>made</em> from my debit card from XXXX XXXX XXXX XXXXXXXX, and other companies I have never dealt with. As soon as I <em>learned</em> of these transactions I reported it to my bank on XX/XX/XXXX and was given claim number XXXX. After days of waiting I received a phone call from the bank telling me my claim was denied and no further <em>information</em> was <em>available</em> other than they didnt think it was unauthorized."]},"sort":[11.053737,"9264492"]},{"_index":"complaint-public-v1","_id":"7682597","_score":10.941571,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/2023. Card physically stolen while in a foreign country. Within 10 mins of the card being stolen I called Bank of America ( hereafter BoA ) and reported the card stolen.All charges that had already been made on the card were rejected by BoA. Because this was the only card I had available to complete my travel back into the XXXX and the agent would only be able to overnight a card to my home ( XXXX ) address, he suggested I place hold on the card, so that I could lift it if needed to pay for charges on my return to the XXXX. \n\nXX/XX/2023 BoA approves charges for {$4700.00} and {$5000.00} plus foreign transaction fees. \n\nXXXX XXXX we are enroute to the XXXX. Upon my return to the XXXX the card was cancelled. I had added no additional charges at that time. \n\nXX/XX/XXXX, prior to the end of the billing cycle I notice the charges from XX/XX/XXXX and call BoA. The fraud agent credits my account {$11000.00} for the disputed charges. \n\nXX/XX/XXXX sends a letter stating they \" confirmed the card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' It further states, \" If you'd like copies of the documents we used to make this decision please call ... '' To date and with multiple request no additional information has been provided. Over the next 7 phone calls I have been told that this is a form letter and the statement above is not specific to my case. Agents have indeed confirmed that these charges were approved while the card was on hold. They have confirmed the charges put my account over the credit limit and I did was not contacted to authorize the charges. \n\nI have reopened the investigation a few times, and have never received any further communication from the investigators. I have learned the investigators are prohibited from returning my request for a phone call, and that if the new investigation produces the same result, I will not receive further communication from BoA. \n\nI would like full credit from BoA for the charges, fees, and interest for charges they approved without my authorization while the account was on hold as recommended by a fraud agent.","date_sent_to_company":"2023-10-11T18:04:13.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"80226","tags":null,"has_narrative":true,"complaint_id":"7682597","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-10-11T17:35:57.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I have reopened the <em>investigation</em> a few times, and have never received any further communication from the <em>investigators</em>. I have <em>learned</em> the <em>investigators</em> are prohibited from returning my request for a phone call, and that if the new <em>investigation</em> produces the same result, I will not receive further communication from BoA."]},"sort":[10.941571,"7682597"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":307,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":307}]}},"product":{"doc_count":307,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":114,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":114}]}},{"key":"Checking or savings account","doc_count":46,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":43},{"key":"Savings 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