{"took":192,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":14502,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18274669","_score":14.663584,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed a XXXX XXXX account on my Experian credit report. Experian completed its reinvestigation and reported the account as verified, but did not provide any explanation of how the information was verified. \n\nExperian did not disclose who was contacted, what documentation was reviewed, or how the accuracy of the information was determined. A generic statement that the account was verified does not demonstrate that a reasonable investigation was conducted. \n\nBecause Experian failed to explain the method of verification or provide evidence that the disputed information was properly investigated, I believe Experian did not meet its obligations under the Fair Credit Reporting Act. \n\nI am requesting that Experian either provide a complete explanation of the verification process used for this account or remove the account from my credit report.","date_sent_to_company":"2025-12-24T18:11:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92277","tags":null,"has_narrative":true,"complaint_id":"18274669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-24T17:59:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Because Experian failed to explain the method of verification or <em>provide</em> evidence that the disputed <em>information</em> was properly <em>investigated</em>, I believe Experian did not meet its obligations under the Fair Credit Reporting Act. \n\nI am <em>requesting</em> that Experian either <em>provide</em> a complete <em>explanation</em> of the verification process used for this account or remove the account from my credit report."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.663584,"18274669"]},{"_index":"complaint-public-v1","_id":"22714244","_score":14.539192,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2026, I disputed a XXXX charge for {$340.00} related to XXXX tickets after I was unable to access the tickets for several hours due to issues with XXXX app. I attempted to resolve the matter directly with XXXX first, but XXXX denied my request for assistance. \n\nI then filed a dispute with BMO Harris Bank ( Dispute ID : XXXX ). On XX/XX/2026, BMO issued a provisional credit for the disputed amount of {$340.00} while the investigation was pending.\n\nAfter receiving the provisional credit, I received no requests for additional information, no follow-up communication regarding the investigation, and no opportunity to provide supporting evidence. In fact, a BMO representative previously informed me that I would have an opportunity to submit screenshots and supporting documentation once the bank contacted me regarding the dispute. That contact never occurred.\n\nOn XX/XX/2026, BMO reversed the provisional credit without any prior notice or explanation. When I contacted BMO through chat, I was initially told that the investigation was still pending. The representative later corrected herself and stated that the investigation had been completed and decided against me. However, I was never provided with the results of the investigation, a written explanation of the findings, notice of the evidence relied upon, or notice that the provisional credit would be reversed. \n\nBased on the information available to me, BMO appears to have failed to provide the notices and explanations required under Regulation E, including the written explanation of findings and notice associated with the reversal of a provisional credit. I am requesting CFPB assistance in obtaining a complete explanation of BMOs actions and ensuring compliance with applicable consumer protection laws.","date_sent_to_company":"2026-05-29T20:00:04.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85029","tags":null,"has_narrative":true,"complaint_id":"22714244","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2026-05-29T19:36:08.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I attempted to resolve the matter directly with XXXX first, but XXXX denied my <em>request</em> for assistance. \n\nI then filed a dispute with BMO Harris Bank ( Dispute ID : XXXX ). On XX/XX/2026, BMO issued a provisional credit for the disputed amount of {$340.00} while the <em>investigation</em> was pending.\n\nAfter receiving the provisional credit, I received no <em>requests</em> for additional <em>information</em>, no follow-up communication regarding the <em>investigation</em>, and no opportunity to <em>provide</em> supporting evidence."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.539192,"22714244"]},{"_index":"complaint-public-v1","_id":"18264809","_score":14.511,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I needed help correcting inaccurate information on TransUnion credit report. We contacted TransUnion multiple times to dispute the information and to request clarification on the investigation process. \nOn an earlier call, a TransUnion representative stated that a supervisor would contact us within XXXX hours. When we called back after that time passed, TransUnion stated that there was no record of any supervisor escalation or callback request. \nWe were then transferred to a supervisor identified as XXXX XXXX, who was dismissive, repeatedly interrupted me, and failed to provide clear information regarding the status of the dispute or the investigation. Despite attempts to remain professional and request assistance, the supervisor was uncooperative and ultimately terminated the call without resolving the issue or providing the requested information. \nTransUnion has failed to properly document escalation requests, failed to clearly explain or complete its reinvestigation, and failed to provide accurate information about the status of the dispute. Incorrect information continues to appear on the credit report without a clear explanation or resolution. \nI am requesting that TransUnion conduct a proper reinvestigation under the Fair Credit Reporting Act, correct any inaccurate information, and provide a written explanation of its findings and actions taken.","date_sent_to_company":"2025-12-24T01:06:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07206","tags":null,"has_narrative":true,"complaint_id":"18264809","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-24T00:56:05.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I am <em>requesting</em> that TransUnion conduct a proper reinvestigation under the Fair Credit Reporting Act, correct any inaccurate <em>information</em>, and <em>provide</em> a written <em>explanation</em> of its findings and actions taken."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Difficulty submitting a dispute or getting <em>information</em> about a dispute over the phone"]},"sort":[14.511,"18264809"]},{"_index":"complaint-public-v1","_id":"15694360","_score":14.364698,"_source":{"product":"Checking or savings account","complaint_what_happened":"I disputed an unauthorized transaction of $ [ XXXX ] on [ XXXX XXXX ] from my Bank of America checking account. In compliance with Regulation E, the bank initially provided provisional credit while they investigated. However, on XX/XX/year>, Bank of America reversed that provisional credit without providing me with a written explanation of their findings or copies of any documentation they relied on. \n\nUnder Regulation E ( Electronic Fund Transfer Act, 12 CFR Part 1005 ), banks are required to : XXXX. Provide provisional credit during an investigation if more than XXXX business days are needed. \nXXXX. Give the consumer a written explanation of the findings before reversing provisional credit. \nXXXX. Provide copies of the documents relied on, if requested. \n\nI requested this information from Bank of America, but they did not provide it. Their actions left me without the required protections under Regulation E. \n\nI am requesting CFPB enforcement of my rights under Regulation E, reinstatement of my credit, and a full written explanation of the banks decision, including supporting documentation.","date_sent_to_company":"2025-09-03T19:48:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"15694360","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-09-03T18:59:03.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["Give the consumer a written <em>explanation</em> of the findings before reversing provisional credit. \nXXXX. <em>Provide</em> copies of the documents relied on, if <em>requested</em>. \n\nI <em>requested</em> this <em>information</em> from Bank of America, but they did not <em>provide</em> it. Their actions left me without the required protections under Regulation E. \n\nI am <em>requesting</em> CFPB enforcement of my rights under Regulation E, reinstatement of my credit, and a full written <em>explanation</em> of the banks decision, including supporting documentation."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.364698,"15694360"]},{"_index":"complaint-public-v1","_id":"12671476","_score":14.230517,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company Being Complained About : Affirm , Inc . \n\nIssue Type : Improperly reported charge-offs Lack of account information provided upon request Failure to provide details on the credit dispute investigation Complaint Details : I am filing this complaint against Affirm due to their failure to properly respond to multiple requests regarding charge-offs reported on my credit report. Despite my repeated attempts to obtain information about these accounts, Affirm has not provided any account details, statements, or documentation to verify these charge-offs. \n\nFurthermore, I disputed these charge-offs with the credit bureaus and requested that Affirm provide me with details on the steps taken to investigate my dispute. However, they have not responded with any documentation or explanation regarding their investigation process. \n\nUnder state and federal credit reporting laws, including the Fair Credit Reporting Act ( FCRA ), Affirm is required to provide accurate and complete information on charge-offs reported, including steps taken to investigate disputes. By failing to do so, I feel that my rights have been violated. I believe Affirm is not in compliance with these consumer protection laws, and I request that the CFPB take action to ensure they provide : A full and detailed explanation of the charge-offs, including account numbers, statements, and supporting documentation. \nA thorough report on the steps taken to investigate my credit dispute. \nA correction or removal of any unverifiable or inaccurate information from my credit report. \nDesired Resolution : If Affirm can not provide all of the steps taken on the investigations for all XXXX charge-off disputes, I request that the 3 charge-off accounts be removed from my credit report. \n\nThank you for your time and assistance.","date_sent_to_company":"2025-03-27T05:11:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"61701","tags":null,"has_narrative":true,"complaint_id":"12671476","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-03-27T04:53:25.000Z","state":"IL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Despite my repeated attempts to obtain <em>information</em> about these accounts, Affirm has not provided any account details, statements, or documentation to verify these charge-offs. \n\nFurthermore, I disputed these charge-offs with the credit bureaus and <em>requested</em> that Affirm <em>provide</em> me with details on the steps taken to <em>investigate</em> my dispute. However, they have not responded with any documentation or <em>explanation</em> regarding their <em>investigation</em> process."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[14.230517,"12671476"]},{"_index":"complaint-public-v1","_id":"15210069","_score":14.1382885,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted an investigation and request for verification to Equifax and they have not responded. Then they dropped my credit score XXXX points after I filed a dispute and did not provide any explanation. They havent replied or sent me any information that I requested or acknowledged my request for a reinvestigation.","date_sent_to_company":"2025-08-11T17:59:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92260","tags":null,"has_narrative":true,"complaint_id":"15210069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-11T17:50:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I submitted an <em>investigation</em> and <em>request</em> for verification to Equifax and they have not responded. Then they dropped my credit score XXXX points after I filed a dispute and did not <em>provide</em> any <em>explanation</em>. They havent replied or sent me any <em>information</em> that I <em>requested</em> or acknowledged my <em>request</em> for a reinvestigation."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[14.1382885,"15210069"]},{"_index":"complaint-public-v1","_id":"17262531","_score":14.132774,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding Bank of Americas handling of claim number XXXX. \n\nBank of America issued temporary credits for disputed transactions totaling {$750.00} and {$500.00}, but removed the credits without providing : A clear explanation for denial The investigation notes The reason code The evidence used Any request for additional information from me I was never contacted during the investigation, and the claim decision letter contains no specific justification. I am requesting Bank of America to provide a full explanation, documentation, and a supervisor-level reinvestigation, as required by Regulation E. \n\nThe removal of these credits has caused financial harm, and I believe the claim was closed prematurely without a complete investigation. \n\nI am requesting that Bank of America reopen and properly investigate this claim.","date_sent_to_company":"2025-11-14T09:00:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95207","tags":null,"has_narrative":true,"complaint_id":"17262531","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-14T08:54:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I am <em>requesting</em> Bank of America to <em>provide</em> a full <em>explanation</em>, documentation, and a supervisor-level reinvestigation, as required by Regulation E. \n\nThe removal of these credits has caused financial harm, and I believe the claim was closed prematurely without a complete <em>investigation</em>. \n\nI am <em>requesting</em> that Bank of America reopen and properly <em>investigate</em> this claim."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.132774,"17262531"]},{"_index":"complaint-public-v1","_id":"6472014","_score":13.980262,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I requested that Transunion investigate a Bankruptcy on my credit report. I opened the request on XX/XX/22 and they completed their investigation on XX/XX/22 without providing an explanation. I requested from the Bankruptcy court the procedure that they utilize to investigate issues on Bankruptcy filings and the court indicated to me that they do not provide information to the Credit Reporting Agencies. I then submitted a follow up letter including the letter from the court to Transunion asking the process that they follow to investigate Bankruptcy information, but I have not received any additional follow-up letters.","date_sent_to_company":"2023-01-22T19:29:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11554","tags":null,"has_narrative":true,"complaint_id":"6472014","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-22T18:45:39.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>requested</em> that Transunion <em>investigate</em> a Bankruptcy on my credit report. I opened the <em>request</em> on XX/XX/22 and they completed their <em>investigation</em> on XX/XX/22 without providing an <em>explanation</em>. I <em>requested</em> from the Bankruptcy court the procedure that they utilize to <em>investigate</em> issues on Bankruptcy filings and the court indicated to me that they do not <em>provide</em> <em>information</em> to the Credit Reporting Agencies."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.980262,"6472014"]},{"_index":"complaint-public-v1","_id":"17506493","_score":13.9751005,"_source":{"product":"Checking or savings account","complaint_what_happened":"Issue : Navy Federal Credit Union denied the fraud claim without explanation and withheld the required documentation. \n\nCompany : Navy Federal Credit Union What Happened : I filed a fraud claim with Navy Federal initially on XX/XX/year> and provided a police report, receipts, and evidence. Navy Federal denied the claim multiple times ( XXXX, XXXX, XXXX, XXXX, XXXX ) without providing any explanation, findings, reason codes, or documentation. The denial messages were incomplete, unsigned, and lacked the required written notice of investigation results, violating Regulation E ( 12 CFR 1005.11 ).\n\nEven after appealing, the decision I received was a one-sentence email with no details. I have repeatedly requested an explanation and have not received any information.\n\nAdditionally, Navy Federal removed {$470.00} from my savings account during an active dispute without explanation.\n\nThis raises major concerns regarding : Failure to provide written findings Failure to provide documents relied upon Potential mishandling of evidence Potential improper internal withdrawals Non-compliance with Regulation E requirements I am requesting CFPBs assistance in requiring Navy Federal to : Provide the complete investigative file Provide the reason code and evidence used to deny my claim Explain the savings account withdrawal Reevaluate the claim according to federal law","date_sent_to_company":"2025-11-25T23:41:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"20744","tags":null,"has_narrative":true,"complaint_id":"17506493","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-11-25T23:20:13.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["The denial messages were incomplete, unsigned, and lacked the required written notice of <em>investigation</em> results, violating Regulation E ( 12 CFR 1005.11 ).\n\nEven after appealing, the decision I received was a one-sentence email with no details. I have repeatedly <em>requested</em> an <em>explanation</em> and have not received any <em>information</em>.\n\nAdditionally, Navy Federal removed {$470.00} from my savings account during an active dispute without <em>explanation</em>."]},"sort":[13.9751005,"17506493"]},{"_index":"complaint-public-v1","_id":"19062811","_score":13.965704,"_source":{"product":"Student loan","complaint_what_happened":"In XX/XX/year>, I contacted Discover XXXX XXXX to request complete information about my private XXXX XXXX  account, including historical servicing records, a breakdown of charges and interest, and an investigation into discrepancies in my loan history. I submitted my inquiry using my XXXX  email address. \nXXXX XXXX XXXX acknowledged receipt of my request but did not provide any of the information I asked for. They stated only that an investigation was in process and did not give a timeline, next steps, or any substantive response. I have not received the required account records, explanations, or documentation needed to understand or verify the servicing of my loan. \nI attempted to resolve this directly with Discover, but the company has not provided the information I requested and has not completed an investigation. Because I can not obtain accurate records or a clear explanation from the lender, I am filing this complaint for regulatory review.","date_sent_to_company":"2026-02-04T19:39:54.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"95035","tags":null,"has_narrative":true,"complaint_id":"19062811","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2026-01-28T07:10:30.000Z","state":"CA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["In XX/XX/year>, I contacted Discover XXXX XXXX to <em>request</em> complete <em>information</em> about my private XXXX XXXX  account, including historical servicing records, a breakdown of charges and interest, and an <em>investigation</em> into discrepancies in my loan history. I submitted my inquiry using my XXXX  email address. \nXXXX XXXX XXXX acknowledged receipt of my <em>request</em> but did not <em>provide</em> any of the <em>information</em> I asked for."],"sub_issue":["Received bad <em>information</em> about your loan"]},"sort":[13.965704,"19062811"]},{"_index":"complaint-public-v1","_id":"13246890","_score":13.915598,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I noticed a collection appear on my account on XX/XX/scrub>/2025 by collection company XXXX XXXX XXXX for original creditor of XXXX XXXX FOR ACCOUNT in the amount of {$2700.00}. I immediately disputed it with Experian on XXXX2025 by XXXX2025 the dispute investigation was already completed. However in the results Experian did not inform me on how they validated the account belonged to me. Within 7 days, Experian responded stating the account would remain but did not provide a specific explanation or documentation supporting the validity of the information. I believe this violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), which requires them to provide written results of the reinvestigation and the method used to determine the informations accuracy.\n\nFurthermore, I believe the investigation was not reasonably conducted. I am requesting that the CFPB ensure Experian provides a full explanation, underlying documentation from the furnisher, and conducts","date_sent_to_company":"2025-04-30T05:01:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"731XX","tags":null,"has_narrative":true,"complaint_id":"13246890","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-30T04:28:02.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I believe this violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), which requires them to <em>provide</em> written results of the reinvestigation and the method used to determine the <em>informations</em> accuracy.\n\nFurthermore, I believe the <em>investigation</em> was not reasonably conducted. I am <em>requesting</em> that the CFPB ensure Experian <em>provides</em> a full <em>explanation</em>, underlying documentation from the furnisher, and conducts"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.915598,"13246890"]},{"_index":"complaint-public-v1","_id":"7037986","_score":13.912879,"_source":{"product":"Checking or savings account","complaint_what_happened":"Provide me with an update on your investigation into the fraud that occured with my stolen check that was cashed at your bank, my original complaint XXXX I am also requesting all documentation related to this fraud complaint. You need to provide me with the protocol that was followed by your bank when accepting the fraudulent check. \n\nYou are supposed to give me a written explanation of what you found, and you have not provided any information to me. I have a right to request the documents you are relying on during this investigation.","date_sent_to_company":"2023-05-28T15:17:20.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"19125","tags":null,"has_narrative":true,"complaint_id":"7037986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-05-28T15:09:59.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Cashing a check"},"highlight":{"complaint_what_happened":["<em>Provide</em> me with an update on your <em>investigation</em> into the fraud that occured with my stolen check that was cashed at your bank, my original complaint XXXX I am also <em>requesting</em> all documentation related to this fraud complaint. You need to <em>provide</em> me with the protocol that was followed by your bank when accepting the fraudulent check. \n\nYou are supposed to give me a written <em>explanation</em> of what you found, and you have not provided any <em>information</em> to me."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.912879,"7037986"]},{"_index":"complaint-public-v1","_id":"11122131","_score":13.900177,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute the repeated appearance of XXXX XXXX on my credit report. I previously disputed this account on XXXX XXXX and it was removed following your investigation. However, this account has now reappeared on my credit report without proper notice or explanation. This action violates my rights under the FAIR CREDIT REPORTING ACT ( FCRA ), which requires credit reporting agencies to ensure that information on credit reports is accurate and verifiable. Additionally, accounts that have already been investigated and removed should not be reinserted unless the furnisher of the information provides new, verified evidence of accuracy. If this has occurred, I request a full explanation and documentation supporting the reinsertion. I am formally requesting an immediate re-investigation of this account, removal of this account if verification can not be provided and a detailed explanation of why this account was reinserted. Please find attached copies of my previous dispute correspondence, the original confirmation of removal and other supporting documents for your reference. I request that this matter be resolved within 30 days, as stipulated by law. Thank you for your prompt attention to this matter.","date_sent_to_company":"2024-12-12T06:27:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19018","tags":null,"has_narrative":true,"complaint_id":"11122131","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-12T05:49:33.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Additionally, accounts that have already been <em>investigated</em> and removed should not be reinserted unless the furnisher of the <em>information</em> <em>provides</em> new, verified evidence of accuracy. If this has occurred, I <em>request</em> a full <em>explanation</em> and documentation supporting the reinsertion. I am formally <em>requesting</em> an immediate re-<em>investigation</em> of this account, removal of this account if verification can not be provided and a detailed <em>explanation</em> of why this account was reinserted."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.900177,"11122131"]},{"_index":"complaint-public-v1","_id":"11122071","_score":13.900177,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute the repeated appearance of XXXX XXXX on my credit report. I previously disputed this account on XXXX XXXX and it was removed following your investigation. However, this account has now reappeared on my credit report without proper notice or explanation. This action violates my rights under the FAIR CREDIT REPORTING ACT ( FCRA ), which requires credit reporting agencies to ensure that information on credit reports is accurate and verifiable. Additionally, accounts that have already been investigated and removed should not be reinserted unless the furnisher of the information provides new, verified evidence of accuracy. If this has occurred, I request a full explanation and documentation supporting the reinsertion. I am formally requesting an immediate re-investigation of this account, removal of this account if verification can not be provided and a detailed explanation of why this account was reinserted. Please find attached copies of my previous dispute correspondence, the original confirmation of removal and other supporting documents for your reference. I request that this matter be resolved within 30 days, as stipulated by law. Thank you for your prompt attention to this matter.","date_sent_to_company":"2024-12-12T06:27:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19018","tags":null,"has_narrative":true,"complaint_id":"11122071","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-12T06:27:54.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Additionally, accounts that have already been <em>investigated</em> and removed should not be reinserted unless the furnisher of the <em>information</em> <em>provides</em> new, verified evidence of accuracy. If this has occurred, I <em>request</em> a full <em>explanation</em> and documentation supporting the reinsertion. I am formally <em>requesting</em> an immediate re-<em>investigation</em> of this account, removal of this account if verification can not be provided and a detailed <em>explanation</em> of why this account was reinserted."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.900177,"11122071"]},{"_index":"complaint-public-v1","_id":"17642300","_score":13.895596,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"All three credit reporting agencies failed to provide the documentation I requested in my dispute. I specifically asked each bureau to provide verification of the information being reported, including the original signed contract, the method of verification, and details on how each disputed item was investigated. None of the credit bureaus provided the original contracts, proof of verification, or any explanation of their investigation process. Because they did not validate the information as required under FCRA 611, any item that can not be verified must be deleted from my credit report. I am requesting the removal of all accounts and negative items that were not properly validated during their investigation.","date_sent_to_company":"2025-12-03T01:41:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"314XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17642300","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-03T01:41:01.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["All three credit reporting agencies failed to <em>provide</em> the documentation I <em>requested</em> in my dispute. I specifically asked each bureau to <em>provide</em> verification of the <em>information</em> being reported, including the original signed contract, the method of verification, and details on how each disputed item was <em>investigated</em>. None of the credit bureaus provided the original contracts, proof of verification, or any <em>explanation</em> of their <em>investigation</em> process."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.895596,"17642300"]},{"_index":"complaint-public-v1","_id":"12012440","_score":13.8899355,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to the credit bureaus ' failure to properly investigate and resolve discrepancies in my credit report. Despite submitting a dispute regarding inaccurate information, the credit bureaus have not conducted a proper investigation and have failed to correct the errors. \n\nI recently reviewed my credit report and noticed that there are several inaccurate items such as late payments, charge offs, and collections that are negatively impacting my credit score. I disputed these inaccuracies with the credit bureaus, Equifax, Experian, and TransUnion since XXXX, providing supporting documentation to show that the information is incorrect.\n\nHowever, the credit bureaus have failed to conduct a proper investigation or provide a satisfactory response. They either did not respond to my dispute or provided an incomplete or incorrect resolution that did not address the inaccuracies. The incorrect information remains on my credit report, and I have not received any meaningful explanation or follow-up from the bureaus about their investigation.\n\nThis has caused a significant negative impact on my credit score and financial well-being, and I am requesting your assistance in ensuring that the credit bureaus follow the proper procedures under the Fair Credit Reporting Act ( FCRA ). \n\n\nI am requesting that the Consumer Financial Protection Bureau help ensure that the credit bureaus follow the law and properly investigate my dispute. I request that the incorrect information be removed or corrected from my credit report and that I receive confirmation of this action. Additionally, I request that the credit bureaus provide a full explanation of their investigation process and the results.","date_sent_to_company":"2025-02-11T03:17:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"232XX","tags":null,"has_narrative":true,"complaint_id":"12012440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-11T03:06:59.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>requesting</em> that the Consumer Financial Protection Bureau help ensure that the credit bureaus follow the law and properly <em>investigate</em> my dispute. I <em>request</em> that the incorrect <em>information</em> be removed or corrected from my credit report and that I receive confirmation of this action. Additionally, I <em>request</em> that the credit bureaus <em>provide</em> a full <em>explanation</em> of their <em>investigation</em> process and the results."],"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":[13.8899355,"12012440"]},{"_index":"complaint-public-v1","_id":"11832932","_score":13.875317,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Follow up on Report Number XXXX Request for Explanation of Procedures Used to Verify Late Payments 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Dear Experian, I am writing to request clarification regarding the investigation process you followed to determine the accuracy of the late payments reported on my credit report, specifically under Acc # XXXX XXXX  - XX/XX/year> 60days. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are required to conduct a reasonable investigation when a consumer disputes information on their report. As part of this investigation, I would like a detailed explanation of the procedures used to verify the accuracy of the late payment information provided by the creditor and how the decision was reached. \nPlease provide me with the following : 1. A description of the steps taken to verify the accuracy of the late payment information.\n\n2. The sources and records you consulted during your investigation.\n\n3. The criteria used to determine the information was accurate or reliable.\n\nI request that you provide this information in accordance with your obligations under the Fair Credit Reporting Act.\n\nThank you for your attention to this matter. I look forward to your response.","date_sent_to_company":"2025-01-29T17:39:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11368","tags":null,"has_narrative":true,"complaint_id":"11832932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-29T17:07:08.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are required to conduct a reasonable <em>investigation</em> when a consumer disputes <em>information</em> on their report. As part of this <em>investigation</em>, I would like a detailed <em>explanation</em> of the procedures used to verify the accuracy of the late payment <em>information</em> provided by the creditor and how the decision was reached. \nPlease <em>provide</em> me with the following : 1."],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.875317,"11832932"]},{"_index":"complaint-public-v1","_id":"17642321","_score":13.8750725,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"All three credit reporting agencies failed to provide the documentation I requested in my dispute. I specifically asked each bureau to provide verification of the information being reported, including the original signed contract, the method of verification, and details on how each disputed item was investigated. None of the credit bureaus provided the original contracts, proof of verification, or any explanation of their investigation process. Because they did not validate the information as required under FCRA 611, any item that can not be verified must be deleted from my credit report. I am requesting the removal of all accounts and negative items that were not properly validated during their investigation.","date_sent_to_company":"2025-12-03T01:41:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"314XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17642321","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-03T01:18:38.000Z","state":"GA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["All three credit reporting agencies failed to <em>provide</em> the documentation I <em>requested</em> in my dispute. I specifically asked each bureau to <em>provide</em> verification of the <em>information</em> being reported, including the original signed contract, the method of verification, and details on how each disputed item was <em>investigated</em>. None of the credit bureaus provided the original contracts, proof of verification, or any <em>explanation</em> of their <em>investigation</em> process."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.8750725,"17642321"]},{"_index":"complaint-public-v1","_id":"12012235","_score":13.864102,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to the credit bureaus ' failure to properly investigate and resolve discrepancies in my credit report. Despite submitting a dispute regarding inaccurate information, the credit bureaus have not conducted a proper investigation and have failed to correct the errors. \n\nI recently reviewed my credit report and noticed that there are several inaccurate items such as late payments, charge offs, and collections that are negatively impacting my credit score. I disputed these inaccuracies with the credit bureaus, Equifax, Experian, and TransUnion since XXXX, providing supporting documentation to show that the information is incorrect.\n\nHowever, the credit bureaus have failed to conduct a proper investigation or provide a satisfactory response. They either did not respond to my dispute or provided an incomplete or incorrect resolution that did not address the inaccuracies. The incorrect information remains on my credit report, and I have not received any meaningful explanation or follow-up from the bureaus about their investigation.\n\nThis has caused a significant negative impact on my credit score and financial well-being, and I am requesting your assistance in ensuring that the credit bureaus follow the proper procedures under the Fair Credit Reporting Act ( FCRA ). \n\n\nI am requesting that the Consumer Financial Protection Bureau help ensure that the credit bureaus follow the law and properly investigate my dispute. I request that the incorrect information be removed or corrected from my credit report and that I receive confirmation of this action. Additionally, I request that the credit bureaus provide a full explanation of their investigation process and the results.","date_sent_to_company":"2025-02-11T03:17:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"232XX","tags":null,"has_narrative":true,"complaint_id":"12012235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-11T03:17:25.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>requesting</em> that the Consumer Financial Protection Bureau help ensure that the credit bureaus follow the law and properly <em>investigate</em> my dispute. I <em>request</em> that the incorrect <em>information</em> be removed or corrected from my credit report and that I receive confirmation of this action. Additionally, I <em>request</em> that the credit bureaus <em>provide</em> a full <em>explanation</em> of their <em>investigation</em> process and the results."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.864102,"12012235"]},{"_index":"complaint-public-v1","_id":"12012233","_score":13.864102,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to the credit bureaus ' failure to properly investigate and resolve discrepancies in my credit report. Despite submitting a dispute regarding inaccurate information, the credit bureaus have not conducted a proper investigation and have failed to correct the errors. \n\nI recently reviewed my credit report and noticed that there are several inaccurate items such as late payments, charge offs, and collections that are negatively impacting my credit score. I disputed these inaccuracies with the credit bureaus, Equifax, Experian, and TransUnion since XXXX, providing supporting documentation to show that the information is incorrect.\n\nHowever, the credit bureaus have failed to conduct a proper investigation or provide a satisfactory response. They either did not respond to my dispute or provided an incomplete or incorrect resolution that did not address the inaccuracies. The incorrect information remains on my credit report, and I have not received any meaningful explanation or follow-up from the bureaus about their investigation.\n\nThis has caused a significant negative impact on my credit score and financial well-being, and I am requesting your assistance in ensuring that the credit bureaus follow the proper procedures under the Fair Credit Reporting Act ( FCRA ). \n\n\nI am requesting that the Consumer Financial Protection Bureau help ensure that the credit bureaus follow the law and properly investigate my dispute. I request that the incorrect information be removed or corrected from my credit report and that I receive confirmation of this action. Additionally, I request that the credit bureaus provide a full explanation of their investigation process and the results.","date_sent_to_company":"2025-02-11T03:17:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"232XX","tags":null,"has_narrative":true,"complaint_id":"12012233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-11T03:17:25.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>requesting</em> that the Consumer Financial Protection Bureau help ensure that the credit bureaus follow the law and properly <em>investigate</em> my dispute. I <em>request</em> that the incorrect <em>information</em> be removed or corrected from my credit report and that I receive confirmation of this action. Additionally, I <em>request</em> that the credit bureaus <em>provide</em> a full <em>explanation</em> of their <em>investigation</em> process and the results."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.864102,"12012233"]},{"_index":"complaint-public-v1","_id":"17642301","_score":13.860167,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"All three credit reporting agencies failed to provide the documentation I requested in my dispute. I specifically asked each bureau to provide verification of the information being reported, including the original signed contract, the method of verification, and details on how each disputed item was investigated. None of the credit bureaus provided the original contracts, proof of verification, or any explanation of their investigation process. Because they did not validate the information as required under FCRA 611, any item that can not be verified must be deleted from my credit report. I am requesting the removal of all accounts and negative items that were not properly validated during their investigation.","date_sent_to_company":"2025-12-03T01:41:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"314XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17642301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-03T01:41:01.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["All three credit reporting agencies failed to <em>provide</em> the documentation I <em>requested</em> in my dispute. I specifically asked each bureau to <em>provide</em> verification of the <em>information</em> being reported, including the original signed contract, the method of verification, and details on how each disputed item was <em>investigated</em>. None of the credit bureaus provided the original contracts, proof of verification, or any <em>explanation</em> of their <em>investigation</em> process."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.860167,"17642301"]},{"_index":"complaint-public-v1","_id":"18653066","_score":13.800266,"_source":{"product":"Prepaid card","complaint_what_happened":"Im filing a complaint because Cash App did not conduct a thorough dispute investigation, did not provide written findings explaining why my dispute was denied, and did not provide a temporary credit for the disputed amount while the investigation was pending. \nI used Cash App to pay a merchant transaction for an online order ( Order # XXXX ) totaling {$57.00}. \nI requested cancellation from the merchant on their website 's contact us portal on XX/XX/2025 and followed up again by email on XX/XX/2025. \n\nDespite my cancellation request, the merchant shipped after the cancellation window I requested, and also downgraded the shipping method ( I paid for XXXX XXXX, but the merchant shipped using USPS XXXX XXXX  ), and did not mail it out until XX/XX/2025. \nI filed my dispute with Cash App on XX/XX/2025 and provided supporting documentation ( order confirmation/invoice, my cancellation communications, and shipping information ). Cash App denied the dispute, but did not provide a meaningful written explanation of why it was denied, what evidence was reviewed, what steps were taken to investigate, or what information ( if any ) was obtained from the merchant. \nI also requested a temporary credit for the disputed amount while the investigation was ongoing. Cash App did not provide a temporary credit and did not provide a written explanation for why a temporary credit was not provided. I requested written findings and clarification of the denial, but I have not received written findings that explain the basis for the decision. \nI am requesting CFPB assistance because Cash Apps handling of my dispute appears incomplete and lacks transparency.","date_sent_to_company":"2026-01-12T17:09:58.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"21222","tags":null,"has_narrative":true,"complaint_id":"18653066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-01-12T16:54:49.000Z","state":"MD","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["I filed my dispute with Cash App on XX/XX/2025 and provided supporting documentation ( order confirmation/invoice, my cancellation communications, and shipping <em>information</em> ). Cash App denied the dispute, but did not <em>provide</em> a meaningful written <em>explanation</em> of why it was denied, what evidence was reviewed, what steps were taken to <em>investigate</em>, or what <em>information</em> ( if any ) was obtained from the merchant."]},"sort":[13.800266,"18653066"]},{"_index":"complaint-public-v1","_id":"17641956","_score":13.79335,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Ally Financial and XXXX XXXX XXXX engaged in unfair and deceptive practices. My auto loan balance was repeatedly changed without explanation. Ally failed to provide required loan documentation, accounting records, or proof of how my balance increased. My GAP, tire/wheel, and service contract refunds were mishandled. Large credits such as {$9000.00} and {$9300.00} appeared on my credit report with no explanation. Ally also continued reporting inaccurate balances and derogatory information. I requested full documentation and validation and they did not provide it. I believe the dealer and lender misrepresented fees, added products without proper disclosure, and failed to properly apply payments or refunds. I am requesting a full investigation.","date_sent_to_company":"2025-12-03T03:07:09.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"48088","tags":null,"has_narrative":true,"complaint_id":"17641956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-12-03T02:49:15.000Z","state":"MI","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["I am <em>requesting</em> a full <em>investigation</em>."]},"sort":[13.79335,"17641956"]},{"_index":"complaint-public-v1","_id":"8473626","_score":13.769102,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2014 I received written notice that my dispute request was open and being processed. I requested that they provide me with their method of verification including but not limited to a detailed explanation of the verification process conducted, a copy of any written agreement or contract that obligates me to pay the alleged debt. I asked that if they were unable to provide me with the requested information to remove the information from my report immediately. The company has made the results of this investigation available without providing me with anything that I requested, thus resulting in inaccurate information being reported on my report.","date_sent_to_company":"2024-03-06T01:37:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11434","tags":null,"has_narrative":true,"complaint_id":"8473626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-06T01:09:50.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/2014 I received written notice that my dispute <em>request</em> was open and being processed. I <em>requested</em> that they <em>provide</em> me with their method of verification including but not limited to a detailed <em>explanation</em> of the verification process conducted, a copy of any written agreement or contract that obligates me to pay the alleged debt. I asked that if they were unable to <em>provide</em> me with the <em>requested</em> <em>information</em> to remove the <em>information</em> from my report immediately."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.769102,"8473626"]},{"_index":"complaint-public-v1","_id":"20516074","_score":13.73125,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I discovered unauthorized transactions on my Golden 1 account totaling {$11000.00}. I reported the fraud to Golden 1 on XX/XX/year>, and requested an investigation. Golden 1 later denied my claim on XX/XX/year>, stating the transactions were authorized, but did not explain the factual basis for that conclusion or identify the evidence, records, device/authentication data, or other information it relied on. I then requested clarification and the supporting documentation on XX/XX/year>, including an explanation of why the claim was denied and what evidence Golden 1 reviewed. Golden 1 did not provide a meaningful explanation or the requested information. I dispute that these transactions were authorized and believe Golden 1 applied an unreasonable standard by expecting me to disprove authorization without providing the evidence supporting its denial. I am seeking a fair re-evaluation of my fraud claim, a clear explanation of the basis for the denial, identification of the evidence relied upon, and reimbursement for the unauthorized transactions and any related fees or losses if Golden 1 can not provide a reasonable factual basis for denying my claim.","date_sent_to_company":"2026-03-23T20:21:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95670","tags":null,"has_narrative":true,"complaint_id":"20516074","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDEN 1 CREDIT UNION, THE","date_received":"2026-03-23T19:55:11.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Golden 1 did not <em>provide</em> a meaningful <em>explanation</em> or the <em>requested</em> <em>information</em>. I dispute that these transactions were authorized and believe Golden 1 applied an unreasonable standard by expecting me to disprove authorization without providing the evidence supporting its denial."]},"sort":[13.73125,"20516074"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":14502,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":14502}]}},"product":{"doc_count":14502,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":9044,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":8982},{"key":"Other personal consumer report","doc_count":62}]}},{"key":"Debt collection","doc_count":1133,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":499},{"key":"Credit card 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