{"took":169,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2970,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15152263","_score":15.482901,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As of XX/XX/year>, the dispute I filed with Experian regarding the charged-off account from XXXX XXXX is still pending. Experian has not yet completed their investigation or provided a resolution. I have attached a screenshot of the pending dispute status for your review. \n\nI respectfully ask the CFPB to monitor this process and ensure that Experian and the data furnisher XXXX XXXX XXXX complete their investigation properly and in compliance with the Fair Credit Reporting Act. If the account can not be verified, it should be removed from my credit report.","date_sent_to_company":"2025-08-07T10:05:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33165","tags":null,"has_narrative":true,"complaint_id":"15152263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-07T09:55:40.000Z","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":["As of XX/XX/year>, the dispute I filed with Experian regarding the charged-off <em>account</em> from XXXX XXXX is still <em>pending</em>. Experian has not yet <em>completed</em> their <em>investigation</em> or provided a resolution. I have attached a screenshot of the <em>pending</em> dispute status for your review. \n\nI respectfully ask the CFPB to monitor this process and ensure that Experian and the data furnisher XXXX XXXX XXXX <em>complete</em> their <em>investigation</em> properly and in compliance with the Fair Credit Reporting Act."]},"sort":[15.482901,"15152263"]},{"_index":"complaint-public-v1","_id":"23244786","_score":14.893717,"_source":{"product":"Checking or savings account","complaint_what_happened":"I initiated a XXXX payment for {$990.00} from my bank account to a recipient account at Wells Fargo. The transaction shows as pending and has not been completed or delivered to the recipient. \n\nI have confirmed with my sending bank that the funds were sent through XXXX, but the payment has not been successfully received, completed, or returned. The status has remained pending without a clear resolution or explanation. \n\nI contacted Wells Fargo customer support to determine the status of the transfer. However, I did not receive a clear explanation of why the payment is pending, when it will be completed, or whether it is being held, delayed, or rejected. I was not provided a clear timeline or resolution process. \n\nAt this time : * {$990.00} is still in a pending XXXX status * The funds have not been received by the recipient * The funds have not been returned to my account * I have not received a clear resolution or detailed explanation from the bank I am requesting that the issue be fully investigated, the status of the transfer be clarified, and the funds either be delivered to the correct recipient or returned to my account without further delay.","date_sent_to_company":"2026-06-16T05:49:26.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"554XX","tags":null,"has_narrative":true,"complaint_id":"23244786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-06-16T05:38:43.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["I initiated a XXXX payment for {$990.00} from my bank <em>account</em> to a recipient <em>account</em> at Wells Fargo. The transaction shows as <em>pending</em> and has not been <em>completed</em> or delivered to the recipient. \n\nI have confirmed with my sending bank that the funds were sent through XXXX, but the payment has not been successfully received, <em>completed</em>, or returned. The status has remained <em>pending</em> without a clear resolution or explanation."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.893717,"23244786"]},{"_index":"complaint-public-v1","_id":"2116399","_score":14.473871,"_source":{"product":"Credit reporting","complaint_what_happened":"I submitted a dispute on a collection account on XXXX/XXXX/2016 to Equifax. To date, the dispute has n't been resolved. There have been no updates, verifications, or deletion made to the account. Currently, when I log in to Equifax with my confirmation number the investigation still shows as pending. I contacted Equifax on XXXX/XXXX/2016 to ask why the investigation had not been completed, and why the account had not been removed. They replied with a generic response stating that I should call during business hours. I emailed again today, XXXX/XXXX/2016 to make sure that my inquiry would be reopened. I have not yet received a response. During the 30 day investigation period I was not notified by Equifax that they needed additional time to complete the investigation. I have just been waiting. I would like the account removed. I have attached a screenshot of the status of my dispute, comfirmation # XXXX. It was submitted XXXX/XXXX/16 and is still pending.","date_sent_to_company":"2016-09-16T20:42:36.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"67213","tags":null,"has_narrative":true,"complaint_id":"2116399","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-09-16T20:42:35.000Z","state":"KS","company_public_response":null,"sub_issue":"Investigation took too long"},"highlight":{"complaint_what_happened":["I submitted a dispute on a collection <em>account</em> on XXXX/XXXX/2016 to Equifax. To date, the dispute has n't been resolved. There have been no updates, verifications, or deletion made to the <em>account</em>. Currently, when I log in to Equifax with my confirmation number the <em>investigation</em> still shows as <em>pending</em>. I contacted Equifax on XXXX/XXXX/2016 to ask why the <em>investigation</em> had not been <em>completed</em>, and why the <em>account</em> had not been removed."],"issue":["Credit reporting company's <em>investigation</em>"],"sub_issue":["<em>Investigation</em> took too long"]},"sort":[14.473871,"2116399"]},{"_index":"complaint-public-v1","_id":"17988135","_score":14.426337,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a business account with Capitol One for my XXXX XXXX XXXX and made a deposit of about {$1300.00} to the account on my account was frozen, pending and investigation to verify the legitimacy of my business. This was about 60 days ago. Ive been calling Capitol One to find out whether or not the investigation has been completed. The investigation is not complete. Theyre not able to provide me with any information as to why the account was flagged or when the investigation would be done or when I would be able to receive my funds","date_sent_to_company":"2025-11-28T15:29:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07112","tags":null,"has_narrative":true,"complaint_id":"17988135","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-28T15:23:14.000Z","state":"NJ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I opened a business <em>account</em> with Capitol One for my XXXX XXXX XXXX and made a deposit of about {$1300.00} to the <em>account</em> on my <em>account</em> was frozen, <em>pending</em> and <em>investigation</em> to verify the legitimacy of my business. This was about 60 days ago. Ive been calling Capitol One to find out whether or not the <em>investigation</em> has been <em>completed</em>. The <em>investigation</em> is not <em>complete</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.426337,"17988135"]},{"_index":"complaint-public-v1","_id":"2333745","_score":14.245292,"_source":{"product":"Debt collection","complaint_what_happened":"I completed a purchase through PayPal on XXXX/XXXX/XX/XX/XXXX, that I canceled on the same day. The transaction refund was started but continues to show as pending. After 6 weeks, and an internal investigation by Paypal they issued a temporary credit, citing there is a known problem with the retailer account. That was XXXX. This was on XXXX XXXX, XX/XX/XXXX. On XXXX XXXXXX/XX/XXXX that temporary credit was undone, leaving my paypal account with a negative balance. I had my bank investigate for a refund into the account. No such refund. XXXX confirmed the funds actually never left paypal. PayPal is claiming the refund was issued, yet the status of the refund as of right now ( XXXX XXXX XXXX ) is pending. They sent the account to a collection agency and wo n't talk to me about it any more. No one has ever been able to give me a date when the refund was completed.","date_sent_to_company":"2017-02-09T03:32:28.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"275XX","tags":null,"has_narrative":true,"complaint_id":"2333745","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2017-02-09T03:32:27.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["I had my bank <em>investigate</em> for a refund into the <em>account</em>. No such refund. XXXX confirmed the funds actually never left paypal. PayPal is claiming the refund was issued, yet the status of the refund as of right now ( XXXX XXXX XXXX ) is <em>pending</em>. They sent the <em>account</em> to a collection agency and wo n't talk to me about it any more. No one has ever been able to give me a date when the refund was <em>completed</em>."]},"sort":[14.245292,"2333745"]},{"_index":"complaint-public-v1","_id":"14570056","_score":14.201179,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I had made a transaction and its been 21 days and {$590.00} is still pending when I reach out about why the transaction is still pending they give me the run around about my funds. I tried to dispute a transaction for {$1400.00} ( unauthorized for the date they took it out of my account ) that Im rightfully owed & they denied my dispute without a full complete investigation and without documentation.","date_sent_to_company":"2025-07-10T22:44:01.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"46226","tags":null,"has_narrative":true,"complaint_id":"14570056","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-07-10T22:28:45.000Z","state":"IN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I had made a transaction and its been 21 days and {$590.00} is still <em>pending</em> when I reach out about why the transaction is still <em>pending</em> they give me the run around about my funds. I tried to dispute a transaction for {$1400.00} ( unauthorized for the date they took it out of my <em>account</em> ) that Im rightfully owed & they denied my dispute without a full <em>complete</em> <em>investigation</em> and without documentation."]},"sort":[14.201179,"14570056"]},{"_index":"complaint-public-v1","_id":"2781421","_score":13.912737,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had initiated several disputes with Equifax on XX/XX/XXXX. The date the investigation was to be completed was XX/XX/XXXX. As of today, XX/XX/XXXX, the investigation is still pending and I have accounts still showing delinquent when, they dont belong to me or should have been paid by the third party involved.","date_sent_to_company":"2018-01-15T09:56:00.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"437XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2781421","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-01-15T04:47:52.000Z","state":"OH","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The date the <em>investigation</em> was to be <em>completed</em> was XX/XX/XXXX. As of today, XX/XX/XXXX, the <em>investigation</em> is still <em>pending</em> and I have <em>accounts</em> still showing delinquent when, they dont belong to me or should have been paid by the third party involved."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.912737,"2781421"]},{"_index":"complaint-public-v1","_id":"7056925","_score":13.870165,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX of XXXX a XXXX credit card was opened in my name using a different address, I notified Experian to dispute and also XXXX fraud department XX/XX/XXXX. XX/XX/XXXX Experian notified me through email stating that the account was complete and accurate to belongs to me. I notified XXXX and the shared with me that they have not completed the investigation it is still pending.","date_sent_to_company":"2023-06-02T01:13:09.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"89148","tags":"Servicemember","has_narrative":true,"complaint_id":"7056925","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-02T01:01:30.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Experian notified me through email stating that the <em>account</em> was <em>complete</em> and accurate to belongs to me. I notified XXXX and the shared with me that they have not <em>completed</em> the <em>investigation</em> it is still <em>pending</em>."]},"sort":[13.870165,"7056925"]},{"_index":"complaint-public-v1","_id":"5335365","_score":13.819134,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I currently have 3 pending complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the accounts are to be deleted off my credit report while the investigation is in progress. Please ensure XXXX XXXX Equifax remove the following accounts off my credit report until the investigation is complete. \n\nComplaint ID XXXX XXXX XXXX","date_sent_to_company":"2022-03-17T15:26:48.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10701","tags":null,"has_narrative":true,"complaint_id":"5335365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-17T15:26:44.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I currently have 3 <em>pending</em> complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the <em>accounts</em> are to be deleted off my credit report while the <em>investigation</em> is in progress. Please ensure XXXX XXXX Equifax remove the following <em>accounts</em> off my credit report until the <em>investigation</em> is <em>complete</em>. \n\nComplaint ID XXXX XXXX XXXX"],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.819134,"5335365"]},{"_index":"complaint-public-v1","_id":"5335621","_score":13.818483,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I currently have 3 pending complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the accounts are to be deleted off my credit report while the investigation is in progress. Please ensure Transunion XXXX XXXX remove the following accounts off my credit report until the investigation is complete. \n\nComplaint ID XXXX XXXX XXXX","date_sent_to_company":"2022-03-17T15:26:37.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10701","tags":null,"has_narrative":true,"complaint_id":"5335621","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-17T15:12:05.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I currently have 3 <em>pending</em> complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the <em>accounts</em> are to be deleted off my credit report while the <em>investigation</em> is in progress. Please ensure Transunion XXXX XXXX remove the following <em>accounts</em> off my credit report until the <em>investigation</em> is <em>complete</em>. \n\nComplaint ID XXXX XXXX XXXX"],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.818483,"5335621"]},{"_index":"complaint-public-v1","_id":"5335384","_score":13.818483,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I currently have 3 pending complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the accounts are to be deleted off my credit report while the investigation is in progress. Please ensure XXXX Experian XXXX remove the following accounts off my credit report until the investigation is complete. \n\nComplaint ID XXXX XXXX XXXX","date_sent_to_company":"2022-03-17T15:26:48.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10701","tags":null,"has_narrative":true,"complaint_id":"5335384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-17T15:26:44.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I currently have 3 <em>pending</em> complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the <em>accounts</em> are to be deleted off my credit report while the <em>investigation</em> is in progress. Please ensure XXXX Experian XXXX remove the following <em>accounts</em> off my credit report until the <em>investigation</em> is <em>complete</em>. \n\nComplaint ID XXXX XXXX XXXX"],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.818483,"5335384"]},{"_index":"complaint-public-v1","_id":"2377192","_score":13.693531,"_source":{"product":"Credit reporting","complaint_what_happened":"Past Disputes XX/XX/XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Completion Date XXXX Account Name Original Creditor Open Date Status Balance XXXX XXXX XXXX XX/XX/XXXX Open {$120.00} Item Results Result : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. \n\nDispute Reason Accuracy : Fraudulent charges were made on my account. \nDispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. \n\nIf you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to TransUnion at the address below, along with any supporting documentation. You may also request that TransUnion add an explanatory statement of XXXX words or less to your credit report. \n\nIf you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. \n\nMail : TransUnion -- Dispute XX/XX/XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Completion Date XXXX Account Name Original Creditor Open Date Status Balance XXXX XXXX XXXX XX/XX/XXXX Open {$120.00} Item Results Result : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. \n\nDispute Reason Ownership : I have no knowledge of this account. \nDispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. \n\n. When contacting TransUnion, provide your current file number : XXXX. \n\nXX/XX/XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Completion Date XXXX Account Name Account Type Open Date Status Balance XXXX Other XX/XX/XXXX Closed {$2300.00} Item Results Result : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. \n\nDispute Reason Ownership : This account was fraudulently opened by someone who stole my identity. \nDispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XXXX XXXX, XXXX. Please review the results carefully. \ne current file number : XXXX. \n\ni have disputed the accounts listed with transunion and XXXX over a year! I had them investigated as well. The credit companies keep denying me the removal or refuse to update my credit report. As well as remove fraudulently placed Credit Inquiries","date_sent_to_company":"2017-03-08T23:08:02.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"196XX","tags":null,"has_narrative":true,"complaint_id":"2377192","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-03-08T23:08:00.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["Past Disputes XX/XX/XXXX <em>Completed</em> Submission <em>Pending</em> Submitted to TransUnion Under <em>Investigation</em> <em>Completed</em> XX/XX/XXXX XX/XX/XXXX Completion Date XXXX <em>Account</em> Name Original Creditor Open Date Status Balance XXXX XXXX XXXX XX/XX/XXXX Open {$120.00} Item Results Result : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. \n\nDispute Reason Accuracy : Fraudulent charges were made on my <em>account</em>."],"issue":["Credit reporting company's <em>investigation</em>"],"sub_issue":["No notice of <em>investigation</em> status/result"]},"sort":[13.693531,"2377192"]},{"_index":"complaint-public-v1","_id":"3462047","_score":13.621544,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of Identity theft and there is incorrect information reporting on my credit report that I have been disputing since XX/XX/2019. All of my dispute letters are mailed certified and I have all receipts of them being received. Ive done my part as a consumer and I still dont have any results. I have submitted my government inssued ID as well as police reports for these fraudulent accounts. These accounts do not belong to me and are very detrimental to my credit worthiness.Equifax wont even remove the fraudulent address being reported. When I file a dispute online its never available for me to view. Just like today there is a status that says a dispute was completed on XX/XX/2019 but the results are showing pending ... ... .why are the results pending if the investigation is complete?? I want these fraudulent accounts removed immediately.","date_sent_to_company":"2019-12-08T23:16:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"386XX","tags":null,"has_narrative":true,"complaint_id":"3462047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-12-08T23:03:52.000Z","state":"MS","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Just like today there is a status that says a dispute was <em>completed</em> on XX/XX/2019 but the results are showing <em>pending</em> ... ... .why are the results <em>pending</em> if the <em>investigation</em> is <em>complete</em>?? I want these fraudulent <em>accounts</em> removed immediately."]},"sort":[13.621544,"3462047"]},{"_index":"complaint-public-v1","_id":"1907713","_score":13.61147,"_source":{"product":"Credit reporting","complaint_what_happened":"Experian has not responded properly to my demand letter, I am not asking for verification thru your automated process, I am lawfully demanding PHYSICAL PROOF, completeness of record for the accounts I listed in the attached letter. \n\nIn the court of law we will need to prove a record to it 's fullness as being COMPLETE. This is what I am requesting and that the accounts which are damaging my reputation be removed until or unless there is a complete record for the accounts mailed to me. \n\nYour negligence to remove these accounts pending your investigation will result in civil action. \n\nI thank you for your time and consideration.","date_sent_to_company":"2016-05-03T22:43:18.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"76010","tags":null,"has_narrative":true,"complaint_id":"1907713","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-05-03T22:43:17.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["Your negligence to remove these <em>accounts</em> <em>pending</em> your <em>investigation</em> will result in civil action. \n\nI thank you for your time and consideration."],"issue":["Credit reporting company's <em>investigation</em>"],"sub_issue":["No notice of <em>investigation</em> status/result"]},"sort":[13.61147,"1907713"]},{"_index":"complaint-public-v1","_id":"6743810","_score":13.609058,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was injured due to me not being able to delegate my funds that were visibly pending even though accounting shows I did not have enough cash to complete the purchase ( s ). As a result, and subsequently, a partial payment was made, with no in store authorized price adjustment. My body and emotional state paid the rest of the actual or overall cost of the transaction ( s ). At the time of the injuries either Cashapp or XXXX XXXX had my cash and I did not possess access to spend any of the pending amounts for any reason. As the company says, the transaction ( s ) were not completed and were voided. Prior to them being voided. I was injured because I did not have access to cash and the release of it to any other companys possession, or peer of the investigated amounts. Those injuries are to be remedied.","date_sent_to_company":"2023-03-24T15:59:29.000Z","issue":"Problem with overdraft","sub_product":"General-purpose prepaid card","zip_code":"53209","tags":null,"has_narrative":true,"complaint_id":"6743810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2023-03-24T15:44:07.000Z","state":"WI","company_public_response":null,"sub_issue":"Overdraft charges"},"highlight":{"complaint_what_happened":["I was injured due to me not being able to delegate my funds that were visibly <em>pending</em> even though <em>accounting</em> shows I did not have enough cash to <em>complete</em> the purchase ( s ). As a result, and subsequently, a partial payment was made, with no in store authorized price adjustment. My body and emotional state paid the rest of the actual or overall cost of the transaction ( s )."]},"sort":[13.609058,"6743810"]},{"_index":"complaint-public-v1","_id":"16719968","_score":13.566732,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally file a complaint regarding multiple XXXX XXXX  transactions that were processed incorrectly on my Chime account. \n\nThe following transactions were initiated and completed by me and appeared as pending at the time : XXXX XXXX XXXX XXXX XXXX Add Ca XX/XX/XXXX at XXXXXXXX XXXX {$25.00} ( Pending ) XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX {$75.00} ( Pending ) XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX {$200.00} ( Pending ) XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX at XXXX PM {$110.00} ( Pending ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX  {$70.00} ( Pending ) However, I later discovered that the following transactions were processed and completed even though there were no available funds in my account at the time. This resulted in unauthorized deductions and a negative balance, which Chime has refused to correct : XXXX XXXX * XXXX * Add Ca XX/XX/XXXX at XXXXXXXX XXXX  {$25.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX at XXXX XXXX {$75.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX at XXXX XXXX {$200.00} I did not authorize these transactions to be processed when there were no sufficient funds, and I am requesting a full review and correction of this error. \n\nPlease investigate this matter and provide a resolution or refund for the incorrectly processed transactions as soon as possible. \n\nThank you for your attention to this issue. I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-10-21T16:08:23.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"10016","tags":null,"has_narrative":true,"complaint_id":"16719968","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-10-21T15:58:40.000Z","state":"NY","company_public_response":null,"sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["that the following transactions were processed and <em>completed</em> even though there were no available funds in my <em>account</em> at the time."],"product":["Checking or savings <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.566732,"16719968"]},{"_index":"complaint-public-v1","_id":"2055350","_score":13.563172,"_source":{"product":"Credit reporting","complaint_what_happened":"I filed a dispute with Transunion concerning an account from XXXX that was on my credit report that did not belong to me. The account I disputed is listed as : XXXX XXXX XXXX XXXX # XXXX It has been over 30 days since I originally initiated the dispute online. Transunion sent me an email stating the investigation was complete and I was allowed to look at my updated credit report online. When I pulled my Transunion credit report, the XXXX account was still reporting, only this time there was a statement that read : \" The following item is suppressed pending credit grantor update '' pertaining to the XXXX account. I called a Transunion representative and inquired about this, in other words, what does this mean? The Transunion representative stated that this meant I was the only one that could see the XXXX account, no other creditors would be able to see this. I asked him if my investigation was complete and he said \" yes. '' I asked him to please remove the account and he said he could not, that it has to stay on my credit report for 7 years. This is unacceptable. XXXX needs to either verify that this account does indeed belong to me or simply delete the account. That 's what is stated in the FCRA. No where does it state in the FCRA that an account can be suppressed pending credit grantor update after the 30 days has taken place to complete an investigation. Transunion has had more that 30 days to complete my investigation. Please advise them to delete this account from my credit report since XXXX did not verify this account within the 30 day time frame allowed by law.","date_sent_to_company":"2016-08-11T02:48:44.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"278XX","tags":null,"has_narrative":true,"complaint_id":"2055350","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2016-08-11T02:48:43.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took too long"},"highlight":{"complaint_what_happened":["No where does it state in the FCRA that an <em>account</em> can be suppressed <em>pending</em> credit grantor update after the 30 days has taken place to <em>complete</em> an <em>investigation</em>. Transunion has had more that 30 days to <em>complete</em> my <em>investigation</em>. Please advise them to delete this <em>account</em> from my credit report since XXXX did not verify this <em>account</em> within the 30 day time frame allowed by law."],"issue":["Credit reporting company's <em>investigation</em>"],"sub_issue":["<em>Investigation</em> took too long"]},"sort":[13.563172,"2055350"]},{"_index":"complaint-public-v1","_id":"18354400","_score":13.491759,"_source":{"product":"Checking or savings account","complaint_what_happened":"I electronically sent myself XXXX from another account to my personal CitiBank checking account on XX/XX/XXXX or XX/XX/XXXX. I needed to sent an electronic wire transfer before XX/XX/year> and CitiBank was my only account with the ability to do such a transaction online. CitiBank typically takes one to two business days to process the request. I have been banking with them for several years, and this was never an issue before. While the electronic transfer is processing, the amount appears as \" pending. '' I have no problem with waiting for the transaction to be corroborated and legally completed. Once the funds change from \" pending '' to \" posted '' the transaction has been completed. \n\nOn XX/XX/XXXX, the XXXX appeared as \" Posted '' to my CitiBank account. It seemed I had the money available on my CitiBank account since XX/XX/XXXX, which is typically what I would expect. On XX/XX/XXXX, I could see online that the money had already cleared and the transaction appeared as \" Completed '' as of XX/XX/year>. The transaction was also listed in the \" Posted '' category and credited to my running balance on XX/XX/XXXX. \n\nI wanted to do the wire transfer, but I could not complete it because the bank did not want to release the {$50000.00}, even though the transaction was posted AND it appeared as completed as of XX/XX/year>. \n\nI called CitiBank 's customer service and ask for a reason for the hold. They told me they were holding it for another business day and that it would be available the next business day. I asked to be transferred to a supervisor. I waited on the line until XXXX, who said he was an Account Manager at CitiBank, answer the phone. I asked again why they were holding my XXXX when the transaction appeared as \" Completed. '' I told him it was me who did the transaction and I had evidence the money was available and everything was legitimate. I said there was nothing fraudulent or otherwise suspicious about this transaction. They told me they had to hold the money for another day and there was nothing I could say or do to avoid the hold. He confirmed they do this hold on everyone. I asked, though, whether they would hold the money even when the transaction appeared as Completed and Posted. He said \" YES. '' I said I have never experienced that in the past, and usually the money is on hold while it is \" pending '' and the transaction HAS NOT been completed. I asked again whether there was any legitimate reason or anything to investigate. He said no. I then told him that this was illegal, and that he did not have any reason to hold my money once the transaction was completed. He then insisted the transaction was not Completed, which is not true as the evidence below shows ( I am attaching a print out of the online status that shows it was completed on XX/XX/XXXX. ) I also asked whether there were other debits or pending transactions that would require the bank to hold the money because they would exceed the {$50000.00} and cause an overdraft? They said No. I asked whether there were any pending debits that would cause the account to overdraft, and they said NO. I asked for the pending debits, and confirmed all pending debits were available online. The total of pending debits were less than XXXX. \n\nI was unable to do the wire transfer, and I will incur in fees and delays because CITI BANK without any reason or justification, did not allow me to withdraw ( or wire ) the money that was already listed as \" posted '' in my bank account and that was rightfully mine. It is unfair that the Citibank withholds money for no reason just because no one will dare do anything about it. One day, seems a short time, but in reality they have had that money and being able to invest it since XX/XX/XXXX. It is the little things that go unnoticed and they confirmed during my phone call that they do this same practice with every single American citizen and holds money even though there is no reason to believe fraud or suspicious activity has transpired.","date_sent_to_company":"2025-12-29T22:33:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92116","tags":null,"has_narrative":true,"complaint_id":"18354400","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-12-29T21:43:29.000Z","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":["While the electronic transfer is processing, the amount appears as \" <em>pending</em>. '' I have no problem with waiting for the transaction to be corroborated and legally <em>completed</em>. Once the funds change from \" <em>pending</em> '' to \" posted '' the transaction has been <em>completed</em>. \n\nOn XX/XX/XXXX, the XXXX appeared as \" Posted '' to my CitiBank <em>account</em>. It seemed I had the money available on my CitiBank <em>account</em> since XX/XX/XXXX, which is typically what I would expect."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.491759,"18354400"]},{"_index":"complaint-public-v1","_id":"16152556","_score":13.354131,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I lost {$300.00} in a failed XXXX transfer through Ally Bank. The {$300.00} was debited from my account on the first day, but the transaction showed pending for two days. While pending, my recipient got a denial notice. I reported this by telephone, which launched an investigation. During that time, an Ally representative admitted the situation was strange, she said the transfer should have gone through the day before, and promised to look into it and get back to me. They never followed up. A few hours later, the transaction flipped to completed, but my recipient never received the money. Weeks later, Ally closed the case as no error and told me if I still believed there was an issue, I should refile an identical dispute to restart the process essentially repeating what I had already done. \n\nOn XX/XX/year>, I initiated a XXXX transfer of {$300.00} from my Ally Bank account, using the correct recipient information The {$300.00} was debited from my account immediately on day one. \n\nDespite this, the transaction remained pending for two days. \n\nWhile it was pending, my recipient received a XXXX notice stating I had denied his request for money. This was false I had already authorized the transfer. \n\nAfter my recipient got that denial notice, I called Ally. \n\nThe Ally representative I spoke with acknowledged the issue, saying it was strange and that the transfer should have gone to him yesterday. She said Ally would look into it and get back to me, but no follow-up ever came. \n\nA few hours after that call, the transaction status flipped from pending to completed on my Ally account. My recipient never received the {$300.00}. \n\nWeeks later, Ally concluded their investigation with a finding of no error, claiming the money went to the correct location. \n\nAt the same time, they told me that if I still thought there was a problem, I should repeat the exact same process refile another identical dispute so they could look in further. \n\nAlly has never provided proof of where the funds went or explained how a denial notice could occur while the transfer was pending. \n\n\nWhy I am filing this complaint : This was a processing error in an electronic fund transfer. \n\nAllys handling of my dispute was inadequate and contradictory : They admitted something was wrong in real time. \n\nThey promised to investigate and never followed up. \n\nThey closed the case as no error. \n\nThen they told me to start the process over again weeks later by refiling the same dispute, rather than conducting a deeper review. \n\n\nUnder the Electronic Fund Transfer Act ( Regulation E ), Ally is required to properly investigate and resolve errors. Their response has been inconsistent, circular, and non-compliant.","date_sent_to_company":"2025-09-24T20:28:34.000Z","issue":"Wrong amount charged or received","sub_product":"Domestic (US) money transfer","zip_code":"980XX","tags":null,"has_narrative":true,"complaint_id":"16152556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-09-24T19:17:35.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["A few hours after that call, the transaction status flipped from <em>pending</em> to <em>completed</em> on my Ally <em>account</em>. My recipient never received the {$300.00}. \n\nWeeks later, Ally concluded their <em>investigation</em> with a finding of no error, claiming the money went to the correct location. \n\nAt the same time, they told me that if I still thought there was a problem, I should repeat the exact same process refile another identical dispute so they could look in further."]},"sort":[13.354131,"16152556"]},{"_index":"complaint-public-v1","_id":"18503899","_score":13.325458,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I noticed a XXXX XXXX charge in my Venmo account for XXXX that I did make or authorize. I have a XXXX account that all my purchases are bought through. I logged into my account to check & I had no purchases in my account for XXXX XXXX I immediately called Venmo and reported it as an unauthorized charge and closed my card. The charge still showed pending so they said I could not file a dispute until the transaction was complete. To call back when it shows complete. On XX/XX/XXXX that XXXX $ charge was still pending then they changed it to XXXX and that pended over a week then finally completed after my card was already closed & a new one issued. I called venmo filed a dispute .. told them about how long payment was pendingsent screenshots of my XXXX account, verified I reported it within seconds of the charge coming in as unauthorized. And how they changed the amount! They filed the dispute & in 2 days denied it and their reason was : because their was money in the account before the dispute took place! I always have money in that account and the amount was pending for XXXX weeks. I had to wait to file but their denisl reason does not make sense nor is accurate because there were no purchases from account to XXXX for that price so they did not properly investigate. This was an unauthorized charge!!! Contacted XXXX & there was no charge in either of those amounts in my account or delivered to my home & my orderes are always delivered. I can provide screenshots of my XXXX orders.","date_sent_to_company":"2026-04-09T21:12:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"18505","tags":null,"has_narrative":true,"complaint_id":"18503899","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-01-06T17:17:35.000Z","state":"PA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I noticed a XXXX XXXX charge in my Venmo <em>account</em> for XXXX that I did make or authorize. I have a XXXX <em>account</em> that all my purchases are bought through. I logged into my <em>account</em> to check & I had no purchases in my <em>account</em> for XXXX XXXX I immediately called Venmo and reported it as an unauthorized charge and closed my card. The charge still showed <em>pending</em> so they said I could not file a dispute until the transaction was <em>complete</em>. To call back when it shows <em>complete</em>."]},"sort":[13.325458,"18503899"]},{"_index":"complaint-public-v1","_id":"9306994","_score":13.298786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have have file several disputes with Equifax regarding the XXXX account. This account has a status of \" NOTAVAILABLE '' which constitutes a violation of FCRA. Equifax is responsible for making sure the information posted in my credit profile is complete and accurate. They have failed to comply with this requirement. \n\nAdditionally, I have also requested that they provide a description of the procedure used to determine the accuracy and completeness of the information contained for this account as indicated in FCRA Section 611, paragraph ( 6 ) ( B ) ( iii ) and they have failed to provide this information as well. \n\nWhen I contacted them via telephone, they only insisted that the account was under investigation and could not remove the information. Every time their investigation is finished, the account is placed again under investigation so as to avoid have to remove the account. Even if I had no pending investigations.","date_sent_to_company":"2024-06-20T21:09:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"84094","tags":"Older American","has_narrative":true,"complaint_id":"9306994","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-20T20:55:07.000Z","state":"UT","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Every time their <em>investigation</em> is finished, the <em>account</em> is placed again under <em>investigation</em> so as to avoid have to remove the <em>account</em>. Even if I had no <em>pending</em> <em>investigations</em>."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[13.298786,"9306994"]},{"_index":"complaint-public-v1","_id":"6224094","_score":13.229498,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2022 I was notified by Wells Fargo E-Mail of \" unauthorized transactions '' on my online account. I contacted Wells Fargo and was transferred to their Fraud Department about the transactions and was told, one was a Bank Wire Transfer in the amount of {$14000.00} and another to XXXX for {$1000.00} that were ATTEMPTED. Wells Fargo fraud representative \" XXXX '' told me the wire transfer and the XXXX transfer were stopped and he was going to open a new account because of the \" XXXX '' which he did. On XX/XX/2022 The XXXX transfer was showing as \" Pending '' on the NEW account. On XX/XX/2022 the \" pending '' was now shown as completed. I again contacted Wells Fargo Fraud Department about the now transferred {$1000.00} from my account and was told by \" XXXX  '' and XXXX '' that the transfer was in fact NOT STOPPED as it was suppose to be and I would need to wait until an investigation was completed to determine IF the unauthorized transaction would be refunded.","date_sent_to_company":"2022-11-19T20:42:07.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"6224094","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-11-19T20:08:34.000Z","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":["Wells Fargo fraud representative \" XXXX '' told me the wire transfer and the XXXX transfer were stopped and he was going to open a new <em>account</em> because of the \" XXXX '' which he did. On XX/XX/2022 The XXXX transfer was showing as \" <em>Pending</em> '' on the NEW <em>account</em>. On XX/XX/2022 the \" <em>pending</em> '' was now shown as <em>completed</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["Savings <em>account</em>"]},"sort":[13.229498,"6224094"]},{"_index":"complaint-public-v1","_id":"23152516","_score":13.213884,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Citi Bank regarding two unresolved XXXX transactions of {$170.00} each ( {$340.00} total ). \n\nOne transaction remains Pending and the other is marked Expired. The recipient did not receive the funds, and the money has not been returned to my account.\n\nI successfully completed three previous XXXX payments to the same company. The problem began only after the company changed its XXXX system. \n\nI visited a Citi Bank branch and requested a formal investigation. Citi refused to open a case, provide a case number, or explain what happened to the funds. They also refused to cancel the pending transaction. \n\nThe transactions remain documented in XXXX records, but Citi representatives stated they could not properly locate or track them in their system. Citi has provided no explanation for the missing funds and has not updated the transaction status accurately in its app. \n\nI request a formal investigation, a written explanation, and the return of my funds if the transactions can not be completed. \n\nI contacted Citi Bank by phone on four separate occasions and was never provided with a case number, complaint reference number, or investigation record. I also visited a Citi Bank branch in XXXX XXXX, where Branch XXXX XXXX XXXX refused to open an investigation or provide any explanation regarding the missing funds.","date_sent_to_company":"2026-06-12T14:26:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33428","tags":null,"has_narrative":true,"complaint_id":"23152516","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-06-12T14:15:50.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["One transaction remains <em>Pending</em> and the other is marked Expired. The recipient did not receive the funds, and the money has not been returned to my <em>account</em>.\n\nI successfully <em>completed</em> three previous XXXX payments to the same company. The problem began only after the company changed its XXXX system. \n\nI visited a Citi Bank branch and requested a formal <em>investigation</em>. Citi refused to open a case, provide a case number, or explain what happened to the funds."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.213884,"23152516"]},{"_index":"complaint-public-v1","_id":"14250563","_score":13.12389,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have had a depute processing with TransUnion on my Credit report since XXXX with XXXX it is now XXXX I have not been able to access my credit report and I also called about the depute I filed under 15 usc 1681i they have 30 to 45 days to complete there investigation it been over the allowed amount of time but transunion refuses to delete the account that is required by the FCRA they then after talking to them updated the system and removed the pending depute but I have the screen shots of the pending deputes and I also have the screen shot of the online agent and a recording of me on the phone with the supervisor and the refusal to remove the XXXX account off my transunion credit report ... Transunion is violating the","date_sent_to_company":"2025-06-25T00:02:43.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"32536","tags":null,"has_narrative":true,"complaint_id":"14250563","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-24T23:36:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I have had a depute processing with TransUnion on my Credit report since XXXX with XXXX it is now XXXX I have not been able to access my credit report and I also called about the depute I filed under 15 usc 1681i they have 30 to 45 days to <em>complete</em> there <em>investigation</em> it been over the allowed amount of time but transunion refuses to delete the <em>account</em> that is required by the FCRA they then after talking to them updated the system and removed the <em>pending</em> depute but I have the screen shots of the <em>pending</em>"]},"sort":[13.12389,"14250563"]},{"_index":"complaint-public-v1","_id":"14287183","_score":13.108822,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have had a depute processing with TransUnion on my Credit report since XXXX with XXXX it is now XXXX I have not been able to access my credit report and I also called about the depute I filed under 15 usc 1681i they have XXXX to XXXX  days to complete there investigation it been over the allowed amount of time but transunion refuses to delete the account that is required by the FCRA they then after talking to them updated the system and removed the pending depute but I have the screen shots of the pending deputes and I also have the screen shot of the online agent and a recording of me on the phone with the supervisor and the refusal to remove the LVNV account off my transunion credit report ... Transunion is violating the FCRA.","date_sent_to_company":"2025-06-25T20:07:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32536","tags":null,"has_narrative":true,"complaint_id":"14287183","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-25T19:46:21.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have had a depute processing with TransUnion on my Credit report since XXXX with XXXX it is now XXXX I have not been able to access my credit report and I also called about the depute I filed under 15 usc 1681i they have XXXX to XXXX  days to <em>complete</em> there <em>investigation</em> it been over the allowed amount of time but transunion refuses to delete the <em>account</em> that is required by the FCRA they then after talking to them updated the system and removed the <em>pending</em> depute but I have the screen shots of"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.108822,"14287183"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2970,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2970}]}},"product":{"doc_count":2970,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":950,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":945},{"key":"Other personal consumer report","doc_count":5}]}},{"key":"Checking or 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