{"took":107,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":36,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1717503","_score":15.9747305,"_source":{"product":"Credit reporting","complaint_what_happened":"I have just checked in to view the status of my investigation sent through this website regarding an invalid Civil Judgment reporting on my credit report through XXXX under Judgment XXXX. I have waited already 32 days for a response and have not received one and I am getting extremely worried regarding what is going on. XXXX is not supposed to be reflecting on my credit report an this investigation has surpassed its limit and on top of forwarding all invalid judgment documentation to Experian which i received from the XXXX XXXX court records office ; I have been patient enough and I would like to know how soon this jusomenmt can be removed from my credit report. My investigation on this Consumer Financial Protection website has lead me to believe and to know for a fact that the law ( 168. section B ) states that reinvestigation may take a 30-day period to complete. I have not forwarded any more relevant documents regarding this expunged judgment in these 30 days, so I do not understand what the hold up is. Please remove this invalid judgment and so I can finally return to my financial life and try to correct the wrongs done this past 8 years with Experian having displayed this account unlawfully barring many financial institutions to deny me credit. I think i have awaited and suffered enough.","date_sent_to_company":"2015-12-28T20:48:07.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"91401","tags":"Older American","has_narrative":true,"complaint_id":"1717503","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-12-28T20:48:07.000Z","state":"CA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Investigation took too long"},"highlight":{"complaint_what_happened":["My <em>investigation</em> on this Consumer Financial Protection website has lead me to believe and to know for a fact that the law ( 168. section B ) states that reinvestigation may <em>take</em> a 30-day period to complete. I <em>have</em> not forwarded any more relevant documents regarding this expunged judgment in these 30 <em>days</em>, so I do not understand what the hold up is."],"issue":["Credit reporting company's <em>investigation</em>"],"sub_issue":["<em>Investigation</em> took too long"]},"sort":[15.9747305,"1717503"]},{"_index":"complaint-public-v1","_id":"4670612","_score":14.939621,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Please refer to disputes that were sent under complaints XXXX TransUnion XXXX XXXX  XXXX XXXX  As of today XX/XX/XXXX it has been 60 days since this was suppose to be put under investigation TransUnion and XXXX. XXXX requested authorization which they can consider this my written authorization to conduct an investigation and I have also attached proof of my identity which is required. I have included on each authorization this errors or inaccuracies on my report and NOTHING HAS BEEN DONE. The bureaus have now violated my consumer rights and it has been passed 60 days and per FCRA these items need to be removed that's on the attached disputes. I have filed a complaint with my local attorney general 's office and have attached what was said and the complaint number and documentation. I keep very good records so if I have to take further with civil action by getting a consumer attorney I will do so as well. Please just delete these items at this point Complaint Comment to Missouri 's Local Attorney General 's Office I am filing a complaint because since XX/XX/XXXX I have been disputing items listed on my credit report due to inaccuracies and errors which are my rights as a consumer. As of XX/XX/XXXX I filed a complaint with CFPB and TransUnion and XXXX  stated on XX/XX/XXXX that they were putting these items under investigation and XXXX  stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 days now and still I have not received any investigation and according to the FCRA at this point because they have surpassed the timeframe to investigation that these are grounds for permanent deletion. This is what I am requesting at this point are I will be forced to get a consumer attorney because my rights or not being honored by a government entity as a consumer to investigate. \n\nThank You","date_sent_to_company":"2021-08-28T15:19:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63136","tags":null,"has_narrative":true,"complaint_id":"4670612","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-08-28T15:07:27.000Z","state":"MO","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":["As of XX/XX/XXXX I filed a complaint with CFPB and TransUnion and XXXX  stated on XX/XX/XXXX that they were putting these items under <em>investigation</em> and XXXX  stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 <em>days</em> now and still I <em>have</em> not received any <em>investigation</em> and according to the FCRA at this point because they <em>have</em> <em>surpassed</em> the timeframe to <em>investigation</em> that these are grounds for permanent deletion."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[14.939621,"4670612"]},{"_index":"complaint-public-v1","_id":"4670609","_score":14.875385,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Please refer to disputes that were sent under complaints XXXX TransUnion XXXX Experian XXXX XXXX As of today XX/XX/XXXX it has been 60 days since this was suppose to be put under investigation XXXX and XXXX. Experian requested authorization which they can consider this my written authorization to conduct an investigation and I have also attached proof of my identity which is required. I have included on each authorization this errors or inaccuracies on my report and NOTHING HAS BEEN DONE. The bureaus have now violated my consumer rights and it has been passed 60 days and per FCRA these items need to be removed that's on the attached disputes. I have filed a complaint with my local attorney general 's office and have attached what was said and the complaint number and documentation. I keep very good records so if I have to take further with civil action by getting a consumer attorney I will do so as well. Please just delete these items at this point Complaint Comment to Missouri 's Local Attorney General 's Office I am filing a complaint because since XX/XX/XXXX I have been disputing items listed on my credit report due to inaccuracies and errors which are my rights as a consumer. As of XX/XX/XXXX I filed a complaint with CFPB and XXXX and XXXX stated on XX/XX/XXXX that they were putting these items under investigation and Experian stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 days now and still I have not received any investigation and according to the FCRA at this point because they have surpassed the timeframe to investigation that these are grounds for permanent deletion. This is what I am requesting at this point are I will be forced to get a consumer attorney because my rights or not being honored by a government entity as a consumer to investigate. \n\nThank You","date_sent_to_company":"2021-08-28T15:19:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63136","tags":null,"has_narrative":true,"complaint_id":"4670609","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-08-28T15:19:50.000Z","state":"MO","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":["As of XX/XX/XXXX I filed a complaint with CFPB and XXXX and XXXX stated on XX/XX/XXXX that they were putting these items under <em>investigation</em> and Experian stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 <em>days</em> now and still I <em>have</em> not received any <em>investigation</em> and according to the FCRA at this point because they <em>have</em> <em>surpassed</em> the timeframe to <em>investigation</em> that these are grounds for permanent deletion."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[14.875385,"4670609"]},{"_index":"complaint-public-v1","_id":"4670610","_score":14.792471,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Please refer to disputes that were sent under complaints XXXX XXXX  XXXX XXXX XXXX Equifax As of today XX/XX/XXXX it has been 60 days since this was suppose to be put under investigation XXXX and Equifax. XXXX requested authorization which they can consider this my written authorization to conduct an investigation and I have also attached proof of my identity which is required. I have included on each authorization this errors or inaccuracies on my report and NOTHING HAS BEEN DONE. The bureaus have now violated my consumer rights and it has been passed 60 days and per FCRA these items need to be removed that's on the attached disputes. I have filed a complaint with my local attorney general 's office and have attached what was said and the complaint number and documentation. I keep very good records so if I have to take further with civil action by getting a consumer attorney I will do so as well. Please just delete these items at this point Complaint Comment to Missouri 's Local Attorney General 's Office I am filing a complaint because since XX/XX/XXXX I have been disputing items listed on my credit report due to inaccuracies and errors which are my rights as a consumer. As of XX/XX/XXXX I filed a complaint with CFPB and XXXX  and Equifax stated on XX/XX/XXXX that they were putting these items under investigation and XXXX stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 days now and still I have not received any investigation and according to the FCRA at this point because they have surpassed the timeframe to investigation that these are grounds for permanent deletion. This is what I am requesting at this point are I will be forced to get a consumer attorney because my rights or not being honored by a government entity as a consumer to investigate. \n\nThank You","date_sent_to_company":"2021-08-28T15:19:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63136","tags":null,"has_narrative":true,"complaint_id":"4670610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-08-28T15:19:50.000Z","state":"MO","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["As of XX/XX/XXXX I filed a complaint with CFPB and XXXX  and Equifax stated on XX/XX/XXXX that they were putting these items under <em>investigation</em> and XXXX stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 <em>days</em> now and still I <em>have</em> not received any <em>investigation</em> and according to the FCRA at this point because they <em>have</em> <em>surpassed</em> the timeframe to <em>investigation</em> that these are grounds for permanent deletion."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[14.792471,"4670610"]},{"_index":"complaint-public-v1","_id":"14842691","_score":14.416875,"_source":{"product":"Checking or savings account","complaint_what_happened":"Upon me checking my bank statements I noticed several transactions over the course of XX/XX/2025 that had been deducted from my account of {$1000.00} each. There were a total of six transactions total. I contacted the bank the moment I noticed the transactions had posted onto my account. From the time I filed my claim, five transactions posted and one transaction was pending. all five transactions that were posted were not honored and stated that there was no error occurred, however, the pending transaction was for the exact same amount for the same merchant and under the same type of claim that it was a fraudulent transaction and they honored this transaction. But left me hanging for the remaining 5 transactions. \n\nI reached out to the merchant/creditor XXXX XXXX to provide me supporting information that I did not perform these transactions. They were able to confirm that these transactions were indeed fraudulent, and I needed to speak with my bank directly to dispute the charges. I have submitted my claim for a second review once on XX/XX/2025 and XX/XX/2025. Each time I submitted a statement answering the identity theft affidavit, and sent emails from the merchant supporting the fact that these transactions were fraudulent. I was told that this investigation can take up to 90 days and we have surpassed the 90 days I have yet to receive credit for the {$5000.00} remaining From Navy Federal credit Union. \nThey are not honoring the XXXX Liabilty protection on my account these transactions were never authorized and I did not even have an account with the company. This is fraud","date_sent_to_company":"2025-07-23T13:57:43.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"92324","tags":"Servicemember","has_narrative":true,"complaint_id":"14842691","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-07-23T13:41:27.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I <em>have</em> submitted my claim for a second review once on XX/XX/2025 and XX/XX/2025. Each time I submitted a statement answering the identity theft affidavit, and sent emails from the merchant supporting the fact that these transactions were fraudulent. I was told that this <em>investigation</em> can <em>take</em> up to 90 <em>days</em> and we <em>have</em> <em>surpassed</em> the 90 <em>days</em> I <em>have</em> yet to receive credit for the {$5000.00} remaining From Navy Federal credit Union."]},"sort":[14.416875,"14842691"]},{"_index":"complaint-public-v1","_id":"8225244","_score":13.24456,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, XX/XX/XXXX, of XX/XX/2023, three transactions transactions that were not authorized by me were processed through my bank via a fraudulent and unauthorized XXXX purchase/transaction. The amounts were {$2100.00}, {$1100.00}, {$4800.00}. Immediately upon identifying these unauthorized transaction, I went to my bank and submitted in person a signed \" disputed transaction affidavit '' stating such. At this time, I immediately closed my bank account and assured me that I would be refunded the stolen money in a few days. Several months have now surpassed and regardless of the documentation depicting extremely unusual purchase history and or payment history, that included a police report filed, Chase bank relayed that it was XXXX 's issue, and that I needed to take it up with them. I have contacted XXXX and spoken with representatives multiple times and for several weeks now but to no avail. They claim that it was Chase Bank 's responsibility to keep your money safe. They claim to be merely a transaction service and the reason for denying my claim was that according to their investigation, my purchased history was consistent with my prior purchase history? I requested that they provide me with information pertaining to how they can claim such a reason as I have never purchased multiple notepads or laptops value the in the thousands of dollars all in one day or two and or had anything ever shipped to an address that was not on record?? When I asked him to provide the documentation they said that would but had yet to receive anything. Chase bank said that I allowed XXXX party company, XXXX, to access my account? That is the reason that they gave me as to why their nonculpable for these stolen funds. I asked representatives who appeared to be an XXXX call center and who claim to be the fraud department, if my money at the bank was insured? They can provide me a straight answer. I asked him that if they knew whether or not my money was insured from theft, and that I wanted to follow claim for my stolen money. XXXX had no answer other than they were sorry and that I needed to take it up with XXXX? There are multiple recorded messages with the numerous conversations that I had with XXXX and Chase bank. I have requested that XXXX send me all records of my conversations since the conception of this problem. XXXX has relayed that they were going to process this request and that could take up to 30 days? My money 's were stolen and I thought I was insured by my bank. I was never told or advised that I could not sign up with a XXXX or cash service transaction provider that would void my insurance?.","date_sent_to_company":"2024-01-25T23:14:03.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"92780","tags":null,"has_narrative":true,"complaint_id":"8225244","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-01-25T21:55:23.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["At this time, I immediately closed my bank account and assured me that I would be refunded the stolen money in a few <em>days</em>. Several months <em>have</em> now <em>surpassed</em> and regardless of the documentation depicting extremely unusual purchase history and or payment history, that included a police report filed, Chase bank relayed that it was XXXX 's issue, and that I needed to <em>take</em> it up with them. I <em>have</em> contacted XXXX and spoken with representatives multiple times and for several weeks now but to no avail."]},"sort":[13.24456,"8225244"]},{"_index":"complaint-public-v1","_id":"6558529","_score":12.927202,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/XXXX opened XXXX XXXX store credit card when I purchased a set of tires the total was {$1000.00} there was a promotional offer of no interest if paid withing 12 months. When I received the 2nd statement in XXXX, interest had been charged. I made first contact with Comenity customer service. I was told that an error could have been made and the person that opened my account did not select the \" promotional '' option on my card. I was told they would investigate, and considering they found the promotion active at the time and terms were met the changes would be made to my account within 30 days. I made 2nd contact with Comenity in XXXX, after that initial 30 days. I was told that it could, in fact, take up to 60 days. They saw the previous notes on my account and it was \" in process to be reviewed. '' Due to XXXX, my 3rd contact to Comenity was in early XX/XX/XXXX as the issue had still not been resolved, my account is still accruing interest. I called Comenity customer service and asked to be escalated to a supervisor. I was told by this supervisor that it could take up to 180 days and they had nothing but attitude to offer. At this point I made contact with the original point of sale, I went back to the store I made the purchase and opened the card. They told me that this has happened before and that they would refund the amount of the charge, switch the account to promotional, reapply the charge and it should be good as they have had to do it several times before. The refund and reapplication of the charge did happen, but the interest was still on the account and had accrued more, this time the terminology used on my statement changed it went from \" interest for this period '' to \" XXXX XXXX XXXX int XXXX XXXX '' as if my account had surpassed the promotional period and was accruing deferred interest. The amount of interest seems to have decreased but it should be XXXX and all the previous interest is still on the account. The terminology has changed again, now saying \" Interest charge on purchase. '' I went back to the XXXX XXXX XXXX XXXXXX/XX/XXXX to once again attempt to have the issue resolved. The associate at the store once again helped make contact to customer support, they see all the previous notes, agree on the fact that there is an error on the account and it is accruing interest in error. The Comenity customer service agent calculated the interest, which is currently {$99.00} made note of that and said they would submit a ticket and I should look to hear from someone within 5-10 business days, that was nearly 3 weeks ago. I have not heard anything and the account is still not resolved.","date_sent_to_company":"2023-02-10T13:49:49.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"641XX","tags":null,"has_narrative":true,"complaint_id":"6558529","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2023-02-10T13:18:57.000Z","state":"MO","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["I was told that an error could <em>have</em> been made and the person that opened my account did not select the \" promotional '' option on my card. I was told they would <em>investigate</em>, and considering they found the promotion active at the time and terms were met the changes would be made to my account within 30 <em>days</em>. I made 2nd contact with Comenity in XXXX, after that initial 30 <em>days</em>. I was told that it could, in fact, <em>take</em> up to 60 <em>days</em>."]},"sort":[12.927202,"6558529"]},{"_index":"complaint-public-v1","_id":"8383459","_score":11.896294,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing way over 30 DAYS only One Bureau ( XXXX XXXX ) has taken action into removing these ACCOUNTS my FTC REPORT has been filed and attached below reporting the un-authorized accounts that have been furnished on to my credit report with out my consent! The other two bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other two bureaus to do the same makes no sense for them to still be reflecting on two bureaus while being DELETED from one. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation according to the FCRA! This is now ground for removal. \n\nACCOUNT NAME - XXXX XXXX XXXX / ACCOUNT # XXXX ACCOUNT NAME - XXXX XXXX XXXXXXXX / ACCOUNT # XXXX XXXX5 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT NAME / ACCOUNT #. ) Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY!! \n\nI XXXX XXXX DEMAND XXXX AND EXPERIAN TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DIPUTES RESULTS RECEVIED BY XXXX!","date_sent_to_company":"2024-02-20T23:33:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"346XX","tags":null,"has_narrative":true,"complaint_id":"8383459","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-20T22:35:38.000Z","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":["Credit bureaus <em>have</em> <em>surpassed</em> 30 <em>days</em> and <em>have</em> failed to <em>take</em> action in to responding or removing these accounts OR conducting a proper <em>investigation</em> according to the FCRA! This is now ground for removal. \n\nACCOUNT NAME - XXXX XXXX XXXX / ACCOUNT # XXXX ACCOUNT NAME - XXXX XXXX XXXXXXXX / ACCOUNT # XXXX XXXX5 U.S."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 <em>days</em>"]},"sort":[11.896294,"8383459"]},{"_index":"complaint-public-v1","_id":"8383410","_score":11.823845,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing way over 30 DAYS only One Bureau ( XXXX XXXX ) has taken action into removing these ACCOUNTS my FTC REPORT has been filed and attached below reporting the un-authorized accounts that have been furnished on to my credit report with out my consent! The other two bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other two bureaus to do the same makes no sense for them to still be reflecting on two bureaus while being DELETED from one. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation according to the FCRA! This is now ground for removal.\n\nACCOUNT NAME - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT NAME / ACCOUNT #. ) Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY!! \n\nI XXXX XXXX DEMAND EQUIFAX AND XXXX TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DIPUTES RESULTS RECEVIED BY XXXX!","date_sent_to_company":"2024-02-20T23:33:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"346XX","tags":null,"has_narrative":true,"complaint_id":"8383410","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-20T23:33:43.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Credit bureaus <em>have</em> <em>surpassed</em> 30 <em>days</em> and <em>have</em> failed to <em>take</em> action in to responding or removing these accounts OR conducting a proper <em>investigation</em> according to the FCRA! This is now ground for removal.\n\nACCOUNT NAME - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 <em>days</em>"]},"sort":[11.823845,"8383410"]},{"_index":"complaint-public-v1","_id":"6201739","_score":11.666134,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing 30 DAYS no action has been taken into removing these ACCOUNTS my dispute results and documents are attached to this complain as well as my FTC REPORT! The bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other bureaus to do the same makes no sense for them to still be reflecting on bureaus while being DELETED from others. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction the term *investigation consumer report* means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer of from the consumer. The Credit Bureaus stated my account was properly investigated but how is that possible if only one bureau has deleted the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate They did not interview any neighbors and have also failed to respond or take action with in the 30 day period they have failed to follow any proper investigation Law under the FCRA. These accounts listed below are ground for removal! 15 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT NAME - XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX / ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX, ACCOUNT # XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT NAMXXXX XXXX XXXX XXXX XXXX XXXX , ACCOUNT # XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX, ACCOUNT # XXXX*. ) Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY!! I DEMAND XXXX AND XXXX TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DISPUTE RESULTS RECEIVED BY TRANSUNION!","date_sent_to_company":"2022-11-14T21:56:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33175","tags":null,"has_narrative":true,"complaint_id":"6201739","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-11-14T21:56:20.000Z","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":["The bureaus <em>have</em> still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other bureaus to do the same makes no sense for them to still be reflecting on bureaus while being DELETED from others. Credit bureaus <em>have</em> <em>surpassed</em> 30 <em>days</em> and <em>have</em> failed to <em>take</em> action in to responding or removing these accounts OR conducting a proper <em>investigation</em>. According to the law 15 U.S."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 <em>days</em>"]},"sort":[11.666134,"6201739"]},{"_index":"complaint-public-v1","_id":"6201588","_score":11.666134,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing 30 DAYS no action has been taken into removing these ACCOUNTS my dispute results and documents are attached to this complain as well as my FTC REPORT! The bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other bureaus to do the same makes no sense for them to still be reflecting on bureaus while being DELETED from others. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction the term *investigation consumer report* means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer of from the consumer. The Credit Bureaus stated my account was properly investigated but how is that possible if only one bureau has deleted the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate They did not interview any neighbors and have also failed to respond or take action with in the 30 day period they have failed to follow any proper investigation Law under the FCRA. These accounts listed below are ground for removal! 15 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT NAME - XXXX XXXX XXXX XXXX, ACCOUNT # XXXX / ACCOUNT NAME - XXXX XXXX XXXX XXXX  ACCOUNT # XXXX / ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # XXXX / ACCOUNT NAME - XXXX XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX / ACCOUNT NAME - XXXX XXXX XXXX ACCOUNT # XXXX. ) Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY!! I DEMAND XXXX AND EXPERIAN TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DISPUTE RESULTS RECEIVED BY XXXX!","date_sent_to_company":"2022-11-14T21:56:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33175","tags":null,"has_narrative":true,"complaint_id":"6201588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-14T21:56:20.000Z","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":["The bureaus <em>have</em> still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other bureaus to do the same makes no sense for them to still be reflecting on bureaus while being DELETED from others. Credit bureaus <em>have</em> <em>surpassed</em> 30 <em>days</em> and <em>have</em> failed to <em>take</em> action in to responding or removing these accounts OR conducting a proper <em>investigation</em>. According to the law 15 U.S."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 <em>days</em>"]},"sort":[11.666134,"6201588"]},{"_index":"complaint-public-v1","_id":"7959675","_score":11.643223,"_source":{"product":"Credit card","complaint_what_happened":"In XXXX I applied for the Amazon store card with synchrony bank as they were offering a {$100.00} gift card in exchange. Not even a month later I get an email that showed a balance of $ XXXX despite the fact that I hadnt even received a physical card, nor had EVER used the credit card. I called synchrony immediately and was told they had a {$0.00} fraud liability policy and that she was going to file the dispute for me over the phone. I even got a follow up email from them. To my surprise one month later in XXXX, I got a bill for {$980.00}. I called, yet again and was told it could take up to 90 days. I was annoyed but agreed. In XXXX the 90 days had surpassed and I got a phone call asking to collect an overdue payment. I called once more, was transferred three times and when placed on hold for 15 minutes the call disconnected. No one ever tried to call me back. I called again last week finally reaching an account manager who claimed I only disputed {$100.00}. I was in tears. I had been calling them every few months and was told the claim was still being investigated just to have XXXX tell me theres no documentation of fraud. He was so beyond rude and threatened to hang up on me. He then asked me so which purchases are fraud? I told him i had no clue what this person purchased only that when i first called 6 months ago, I was told it was one {$400.00} and one {$500.00} purchase made. He then said theyd send me a statement so i could dispute the individual claims and I have received NOTHING. They claim to record the phone calls for training purposes so I asked him to review my phone calls that would solidify my claims and he laughed and said yeah, no. Synchrony bank is disgusting and looking at the other 488 complaints made in the last 6 months, pertaining to similar issues, they should be shut down. I worked so hard to raise my credit store and am STILL taking hits to my score today. I filed a claim with the XXXX  and will be involving an attorney if this isnt resolved before the new year, Please help me.","date_sent_to_company":"2023-12-06T16:59:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"01886","tags":null,"has_narrative":true,"complaint_id":"7959675","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-12-06T16:37:14.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I called, yet again and was told it could <em>take</em> up to 90 <em>days</em>. I was annoyed but agreed. In XXXX the 90 <em>days</em> had <em>surpassed</em> and I got a phone call asking to collect an overdue payment. I called once more, was transferred three times and when placed on hold for 15 minutes the call disconnected. No one ever tried to call me back. I called again last week finally reaching an account manager who claimed I only disputed {$100.00}. I was in tears."]},"sort":[11.643223,"7959675"]},{"_index":"complaint-public-v1","_id":"6201745","_score":11.62923,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing 30 DAYS no action has been taken into removing these ACCOUNTS my dispute results and documents are attached to this complain as well as my FTC REPORT! The bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other bureaus to do the same makes no sense for them to still be reflecting on bureaus while being DELETED from others. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction the term *investigation consumer report* means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer of from the consumer. The Credit Bureaus stated my account was properly investigated but how is that possible if only one bureau has deleted the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate They did not interview any neighbors and have also failed to respond or take action with in the 30 day period they have failed to follow any proper investigation Law under the FCRA. These accounts listed below are ground for removal! 15 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT # XXXX / ACCOUNT NAME - XXXX XXXX XXXX XXXX, ACCOUNT # XXXX / ACCOUNT NAME - XXXX XXXX XXXX ACCOUNT # XXXX / ACCOUNT NAME - XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX / ACCOUNT NAME - XXXX XXXX XXXX, ACCOUNT # XXXX. ) Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY!! I DEMAND EQUIFAX AND XXXX TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DISPUTE RESULTS RECEIVED BY XXXX!","date_sent_to_company":"2022-11-14T21:56:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33175","tags":null,"has_narrative":true,"complaint_id":"6201745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-11-14T20:49:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The bureaus <em>have</em> still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other bureaus to do the same makes no sense for them to still be reflecting on bureaus while being DELETED from others. Credit bureaus <em>have</em> <em>surpassed</em> 30 <em>days</em> and <em>have</em> failed to <em>take</em> action in to responding or removing these accounts OR conducting a proper <em>investigation</em>. According to the law 15 U.S."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 <em>days</em>"]},"sort":[11.62923,"6201745"]},{"_index":"complaint-public-v1","_id":"7280420","_score":11.427285,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing 30 DAYS only One Bureau ( XXXX XXXX ) has taken action into removing these ACCOUNTS my dispute results and documents are attached to this complain as well as my FTC REPORT! The other two bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other two bureaus to do the same makes no sense for them to still be reflecting on two bureaus while being DELETED from one. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation according to the FCRA! This is now ground for removal. \n\nACCOUNT NAME - XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME - XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME - XXXX XXXX XXXX XXXX ACCOUNT # XXXX 15 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT NAME / ACCOUNT #. ) Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY!! \n\nI DEMAND EQUIFAX AND XXXX TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DIPUTES RESULTS RECEVIED BY XXXX!","date_sent_to_company":"2023-07-20T21:22:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33175","tags":null,"has_narrative":true,"complaint_id":"7280420","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-20T21:22:48.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Credit bureaus <em>have</em> <em>surpassed</em> 30 <em>days</em> and <em>have</em> failed to <em>take</em> action in to responding or removing these accounts OR conducting a proper <em>investigation</em> according to the FCRA! This is now ground for removal. \n\nACCOUNT NAME - XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME - XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME - XXXX XXXX XXXX XXXX ACCOUNT # XXXX 15 U.S."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 <em>days</em>"]},"sort":[11.427285,"7280420"]},{"_index":"complaint-public-v1","_id":"7280562","_score":11.34413,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing 30 DAYS only One Bureau ( XXXX XXXX ) has taken action into removing these ACCOUNTS my dispute results and documents are attached to this complain as well as my FTC REPORT! The other two bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other two bureaus to do the same makes no sense for them to still be reflecting on two bureaus while being DELETED from one. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation according to the FCRA! This is now ground for removal. \n\nACCOUNT NAME - XXXX XXXX XXXX XXXX # XXXX ACCOUNT NAME - XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX XXXX  XXXX  ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX XXXX  XXXX  ACCOUNT # XXXX 15 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT NAME / ACCOUNT #. ) Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY!! \n\nI DEMAND XXXX AND EXPERIAN TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DIPUTES RESULTS RECEVIED BY XXXX!","date_sent_to_company":"2023-07-20T21:22:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33175","tags":null,"has_narrative":true,"complaint_id":"7280562","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-20T20:58:53.000Z","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":["Credit bureaus <em>have</em> <em>surpassed</em> 30 <em>days</em> and <em>have</em> failed to <em>take</em> action in to responding or removing these accounts OR conducting a proper <em>investigation</em> according to the FCRA! This is now ground for removal. \n\nACCOUNT NAME - XXXX XXXX XXXX XXXX # XXXX ACCOUNT NAME - XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX XXXX  XXXX  ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX XXXX  XXXX  ACCOUNT # XXXX 15 U.S."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 <em>days</em>"]},"sort":[11.34413,"7280562"]},{"_index":"complaint-public-v1","_id":"7493849","_score":10.721338,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Outdated Account Reporting Past the Seven-Year Time Limit Dear Sir/Madam, I am writing to bring to your attention an issue regarding an outdated account appearing on my credit report that is causing significant harm to my creditworthiness. According to my records and the provisions of the Fair Credit Reporting Act ( FCRA ), this account has exceeded the seven-year reporting period and should no longer be reported in my credit file. \n\nAccount Information : Creditor Name : XXXX XXXX XXXXXXXX Original Account Number : XXXX Account Number on Credit Report : XXXX Date Opened : XX/XX/XXXX Account Status : 120 Days Past Due Current Balance : {$0.00} Creditor Name : XXXX XXXX XXXX XXXX Original Account Number : XXXX Account Number on Credit Report : XXXX Date Opened : XX/XX/XXXX Account Status : 120 Days Past Due Current Balance : $ XXXX I would like to highlight the following points : 1. Expiration of Seven-Year Reporting Period : The account in question was opened on XX/XX/XXXX, which means it has surpassed the seven-year reporting period as defined by the FCRA. As such, reporting this account as 120 days past due is inaccurate and misleading, as it unfairly portrays my creditworthiness. \n\n2. No Account Transfer : Contrary to the reported information, this account has not been transferred or assigned to another creditor. The account number provided on the credit report does not correspond to any other active or closed accounts in my records. This further raises concerns about the accuracy and integrity of the reporting.\n\n3. Zero Balance : It is important to note that the account in question currently carries a balance of {$0.00}. This corroborates the fact that the account is outdated and no longer relevant to my current credit profile. \n\nThe continued reporting of this outdated account as 120 days past due has a significant adverse impact on my creditworthiness and financial well-being. It undermines my efforts to maintain a positive credit history and obtain favorable credit terms. As a result, I kindly request that you take immediate action to rectify this situation in accordance with the FCRA. \n\nSpecifically, I am invoking my rights under 15 USC 1681n ( a ) ( 1 ), which states that credit reporting agencies may be held liable for willful noncompliance with the FCRA. \nIt is my expectation that you promptly investigate this matter, correct the inaccurate reporting, and provide written confirmation that the outdated account has been removed from my credit report. \n\nEnclosed with this letter are copies of relevant documentation, including account statements, credit reports, and any other evidence supporting my claim. I kindly request that you review this information thoroughly during your investigation. \n\nI appreciate your attention to this matter and expect a timely resolution. Please provide a written response within 30 days of receiving this letter, confirming the actions taken to rectify this situation. If this matter is not resolved satisfactorily, I will have no choice but to seek legal remedies and file a complaint with the appropriate regulatory authorities. \n\nThank you for your prompt attention to this matter, and I look forward to a favorable resolution. \n\nSincerely, XXXX XXXX XXXX Enclosures : - Copies of relevant documentation ( account statements, credit reports, supporting evidence )","date_sent_to_company":"2023-09-03T22:42:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"367XX","tags":null,"has_narrative":true,"complaint_id":"7493849","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-03T22:05:50.000Z","state":"AL","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":["The continued reporting of this outdated account as 120 <em>days</em> past due has a significant adverse impact on my creditworthiness and financial well-being. It undermines my efforts to maintain a positive credit history and obtain favorable credit terms. As a result, I kindly request that you <em>take</em> immediate action to rectify this situation in accordance with the FCRA."]},"sort":[10.721338,"7493849"]},{"_index":"complaint-public-v1","_id":"7493455","_score":10.721338,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Outdated Account Reporting Past the Seven-Year Time Limit Dear Sir/Madam, I am writing to bring to your attention an issue regarding an outdated account appearing on my credit report that is causing significant harm to my creditworthiness. According to my records and the provisions of the Fair Credit Reporting Act ( FCRA ), this account has exceeded the seven-year reporting period and should no longer be reported in my credit file. \n\nAccount Information : Creditor Name : XXXX XXXX XXXXXXXX Original Account Number : XXXX Account Number on Credit Report : XXXX Date Opened : XX/XX/XXXX Account Status : 120 Days Past Due Current Balance : {$0.00} Creditor Name : XXXX XXXX XXXX XXXXXXXX Original Account Number : XXXX Account Number on Credit Report : XXXX Date Opened : XX/XX/XXXX Account Status : 120 Days Past Due Current Balance : $ XXXX I would like to highlight the following points : 1. Expiration of Seven-Year Reporting Period : The account in question was opened on XX/XX/XXXX, which means it has surpassed the seven-year reporting period as defined by the FCRA. As such, reporting this account as 120 days past due is inaccurate and misleading, as it unfairly portrays my creditworthiness. \n\n2. No Account Transfer : Contrary to the reported information, this account has not been transferred or assigned to another creditor. The account number provided on the credit report does not correspond to any other active or closed accounts in my records. This further raises concerns about the accuracy and integrity of the reporting.\n\n3. Zero Balance : It is important to note that the account in question currently carries a balance of {$0.00}. This corroborates the fact that the account is outdated and no longer relevant to my current credit profile. \n\nThe continued reporting of this outdated account as 120 days past due has a significant adverse impact on my creditworthiness and financial well-being. It undermines my efforts to maintain a positive credit history and obtain favorable credit terms. As a result, I kindly request that you take immediate action to rectify this situation in accordance with the FCRA. \n\nSpecifically, I am invoking my rights under 15 USC 1681n ( a ) ( 1 ), which states that credit reporting agencies may be held liable for willful noncompliance with the FCRA.\n\nIt is my expectation that you promptly investigate this matter, correct the inaccurate reporting, and provide written confirmation that the outdated account has been removed from my credit report. \n\nEnclosed with this letter are copies of relevant documentation, including account statements, credit reports, and any other evidence supporting my claim. I kindly request that you review this information thoroughly during your investigation. \n\nI appreciate your attention to this matter and expect a timely resolution. Please provide a written response within 30 days of receiving this letter, confirming the actions taken to rectify this situation. If this matter is not resolved satisfactorily, I will have no choice but to seek legal remedies and file a complaint with the appropriate regulatory authorities. \n\nThank you for your prompt attention to this matter, and I look forward to a favorable resolution. \n\nSincerely, XXXX XXXX XXXX Enclosures : - Copies of relevant documentation ( account statements, credit reports, supporting evidence )","date_sent_to_company":"2023-09-03T22:42:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"367XX","tags":null,"has_narrative":true,"complaint_id":"7493455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-03T22:42:40.000Z","state":"AL","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":["The continued reporting of this outdated account as 120 <em>days</em> past due has a significant adverse impact on my creditworthiness and financial well-being. It undermines my efforts to maintain a positive credit history and obtain favorable credit terms. As a result, I kindly request that you <em>take</em> immediate action to rectify this situation in accordance with the FCRA."]},"sort":[10.721338,"7493455"]},{"_index":"complaint-public-v1","_id":"6332325","_score":10.222274,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I contacted Bank of America regarding unauthorized transactions made on my XXXX debit card account for my XXXX XXXX  Benefits multiple times in XXXX and XXXX. When they were initially notified of the unauthorized transactions in XXXX, they denied my claim without properly conducting an investigation. I had to resubmit the claim in XXXX after receiving a notification from them stating that they were reopening the claims which were previously denied. After the final time that the claims were resubmitted, I called to receive an update on the status of the claims in XX/XX/XXXX and was told by a representative that the claims were in a pending status. The representative filed a complaint regarding the claims due to them being in a pending status for a longer period than the legal limit allowed for an investigation. I called again to check the status of the claims two months later in XXXX of XXXX and was told by another representative that the claims were still in a pending status since XX/XX/XXXX. Another complaint was submitted on my behalf for these claims, in addition to an escalation request. I called again a month later and was told the same thing regarding the claims being in a pending status, and another complaint was submitted. Following the third call, after being told that the claims were in a pending status since XX/XX/XXXX, I reached out to my local senator 's office to request assistance, due to the claims involving XXXX XXXX XXXXXXXX funds which were stolen from my account using my stolen debit card. Back in XXXX, my mail was being stolen from my mailbox and fraudulently forwarded to an unknown address after a fraudulent change of address request was submitted for my address without my knowledge or consent. My mail was being forward for several weeks and months while I was away from home. This allowed the individual who stole my mail gain access to my XXXX debit card and make several unauthorized transactions on my account. I never received the debit cards which were mailed to me by Bank of America. After reviewing the unauthorized transactions made on my account, I saw several international transactions and other transactions which were clear indicators of fraud. My initial claims should have never been denied and after they were reopened, they should have never been in a pending status for several months. They have been in this same pending status since XX/XX/XXXX, which was six months ago. According to Regulation E, a bank has up to 90 days to complete an investigation regarding errors reported on checking account. These claims have surpassed that time frame and no provisional credit was ever issued for these claims despite them exceeding the legal time limit allowed for an investigation. I sent Bank of America several documents to prove that these transactions were fraudulent, including police reports for the unauthorized transactions, identity theft reports from the Federal Trade Commission, mail theft reports from the XXXX XXXX XXXX and the United States Postal Service, and written letters explaining the details of what happened regarding my stole mail. I was even XXXX with XXXX in XXXX when some of the unauthorized transactions were made with my stolen debit card and can provide doctor 's notes that I received when I was XXXX from the XXXX This money that was stolen from my account using my stolen XXXX debit card are government benefits which were issued to me during the pandemic that I need to pay back rent owed to my landlord from the times I was unable to pay my rent due to being unemployed from the XXXX pandemic. I have been trying to resolve this matter directly with Bank of America for over a year now. With my claims being in a pending status for six months now, Bank of America is in violation of federal law and has violated my consumer rights. According to Regulation E 1005.11 ( c ) ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. ( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. My claim numbers which are currently in a pending status are claim numbers : XXXX and XXXX.","date_sent_to_company":"2022-12-18T02:10:57.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"94103","tags":null,"has_narrative":true,"complaint_id":"6332325","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-12-18T02:04:35.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["These claims <em>have</em> <em>surpassed</em> that time frame and no provisional credit was ever issued for these claims despite them exceeding the legal time limit allowed for an <em>investigation</em>."]},"sort":[10.222274,"6332325"]},{"_index":"complaint-public-v1","_id":"6332180","_score":10.192256,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I contacted Bank of America regarding unauthorized transactions made on my XXXX debit card account for my CA Unemployment Benefits multiple times in XXXX and XXXX. When they were initially notified of the unauthorized transactions in XXXX, they denied my claim without properly conducting an investigation. I had to resubmit the claim in XXXX  after receiving a notification from them stating that they were reopening the claims which were previously denied. After the final time that the claims were resubmitted, I called to receive an update on the status of the claims in XX/XX/XXXX and was told by a representative that the claims were in a pending status. The representative filed a complaint regarding the claims due to them being in a pending status for a longer period than the legal limit allowed for an investigation. I called again to check the status of the claims two months later in XXXX XXXX XXXX  and was told by another representative that the claims were still in a pending status since XX/XX/XXXX. Another complaint was submitted on my behalf for these claims, in addition to an escalation request. I called again a month later and was told the same thing regarding the claims being in a pending status, and another complaint was submitted. Following the third call, after being told that the claims were in a pending status since XXXX XXXX  I reached out to my local senator 's office to request assistance, due to the claims involving XXXX CA XXXX funds which were stolen from my account using my stolen debit card. Back in XXXX, my mail was being stolen from my mailbox and fraudulently forwarded to an unknown address after a fraudulent change of address request was submitted for my address without my knowledge or consent. My mail was being forward for several weeks and months while I was away from home. This allowed the individual who stole my mail gain access to my XXXX debit card and make several unauthorized transactions on my account. I never received the debit cards which were mailed to me by Bank of America. After reviewing the unauthorized transactions made on my account, I saw several international transactions and other transactions which were clear indicators of fraud. My initial claims should have never been denied and after they were reopened, they should have never been in a pending status for several months. They have been in this same pending status since XX/XX/XXXX, which was six months ago. According to Regulation E, a bank has up to 90 days to complete an investigation regarding errors reported on checking account. These claims have surpassed that time frame and no provisional credit was ever issued for these claims despite them exceeding the legal time limit allowed for an investigation. I sent Bank of America several documents to prove that these transactions were fraudulent, including police reports for the unauthorized transactions, identity theft reports from the Federal Trade Commission, mail theft reports from the XXXX XXXX XXXX and the United States Postal Service, and written letters explaining the details of what happened regarding my stole mail. I was even hospitalized with COVID in XXXX when some of the unauthorized transactions were made with my stolen debit card and can provide doctor 's notes that I received when I was discharged from the hospital. This money that was stolen from my account using my stolen XXXX debit card are government benefits which were issued to me during the pandemic that I need to pay back rent owed to my landlord from the times I was unable to pay my rent due to being unemployed from the XXXX pandemic. I have been trying to resolve this matter directly with Bank of America for over a year now. With my claims being in a pending status for six months now, Bank of America is in violation of federal law and has violated my consumer rights. According to Regulation E 1005.11 ( c ) ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. ( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. My claim numbers which are currently in a pending status are claim numbers : XXXX XXXX XXXX","date_sent_to_company":"2022-12-18T02:15:53.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"94103","tags":null,"has_narrative":true,"complaint_id":"6332180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-12-18T02:12:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["These claims <em>have</em> <em>surpassed</em> that time frame and no provisional credit was ever issued for these claims despite them exceeding the legal time limit allowed for an <em>investigation</em>."]},"sort":[10.192256,"6332180"]},{"_index":"complaint-public-v1","_id":"2775054","_score":10.136676,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Around XX/XX/XXXX, I received a letter specifically addressed to me from American Express Cards Company. It tempted me to apply for a Blue Cash Everyday Card from them with the words \" Earn {$250.00} back after you spend {$1000.00} in purchases on your new Card in your first 3 months ''. \n\nI applied for it and got a new card in XX/XX/XXXX. When I received the new card in mail, I called the American Express Cards Company 's customer service phone number to confirm their promise of earning {$250.00} back was a true deal. They confirmed {$250.00} could be redeemed as a statement credit after I use the new card in my purchases of {$1000.00} in the first 3 months. They also said the new card was effective from XX/XX/XXXX. So I started to use the card to pay my bills, buy insurance policy, and various kinds of shopping. By the end of the 3rd month, my purchases surpassed {$1000.00} on this card. To my surprise, the American Express Cards XX/XX/XXXX statement only redeemed {$100.00} as credit. I called their customer service, only to learn that I was entitled to earn {$100.00} instead of {$250.00} as cash back. I explained to them I had fulfilled my obligation to spend {$1000.00} in the first 3 months and requested them to respect their promise in the invitation letter sent to me. The representative said they had to make an investigation about the issue and then send me a letter about the result. There was never any response from them after that. No letter, no phone calls, or emails. Nothing. I made two more phone calls to their customer service. In the second call, a woman said the case is still being investigated and there was no decision made by her superior administrators. However, she said she saw the RSVP Code on that invitation letter shown on my application, but the case was pending. It would take 7 to 10 days to have any answer. Today I called them again, the Rep. said they could n't make good on their promise of {$250.00}. I asked to talk to his supervisor. After put me on hold for more than 10 minutes, a woman supervisor said that I am not eligible for that {$250.00} cash back because I did n't comply some of their conditions. What conditions? I asked, the only conditions on your invitation letter was to spend {$1000.00}, which I did as we agreed. I ca n't tell you more information, she said, but you just not eligible for {$250.00}. End of the call. \n\nAs you can see, the American Express Cards Company made false advertisements to allure people like me for making them profit and then breached unscrupulously the agreement between us two parties. this kind of fraudulent schemes should be stopped.","date_sent_to_company":"2018-01-09T05:33:36.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"91745","tags":"Older American","has_narrative":true,"complaint_id":"2775054","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-01-09T04:02:22.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["It would <em>take</em> 7 to 10 <em>days</em> to <em>have</em> any answer. Today I called them again, the Rep. said they could n't make good on their promise of {$250.00}. I asked to talk to his supervisor. After put me on hold for more than 10 minutes, a woman supervisor said that I am not eligible for that {$250.00} cash back because I did n't comply some of their conditions. What conditions? I asked, the only conditions on your invitation letter was to spend {$1000.00}, which I did as we agreed."]},"sort":[10.136676,"2775054"]},{"_index":"complaint-public-v1","_id":"6332263","_score":10.109336,"_source":{"product":"Checking or savings account","complaint_what_happened":"I contacted Bank of America regarding unauthorized transactions made on my XXXX debit card account for my CA Unemployment Benefits multiple times in XXXX and XXXX. When they were initially notified of the unauthorized transactions in XXXX, they denied my claim without properly conducting an investigation. I had to resubmit the claim in XXXX after receiving a notification from them stating that they were reopening the claims which were previously denied. After the final time that the claims were resubmitted, I called to receive an update on the status of the claims in XX/XX/XXXX and was told by a representative that the claims were in a pending status. The representative filed a complaint regarding the claims due to them being in a pending status for a longer period than the legal limit allowed for an investigation. I called again to check the status of the claims two months later in XXXX of XXXX and was told by another representative that the claims were still in a pending status since XX/XX/XXXX. Another complaint was submitted on my behalf for these claims, in addition to an escalation request. I called again a month later and was told the same thing regarding the claims being in a pending status, and another complaint was submitted. Following the third call, after being told that the claims were in a pending status since XX/XX/XXXX, I reached out to my local senator 's office to request assistance, due to the claims involving XXXX CA Unemployment funds which were stolen from my account using my stolen debit card. Back in XXXX, my mail was being stolen from my mailbox and fraudulently forwarded to an unknown address after a fraudulent change of address request was submitted for my address without my knowledge or consent. My mail was being forward for several weeks and months while I was away from home. This allowed the individual who stole my mail gain access to my XXXX debit card and make several unauthorized transactions on my account. I never received the debit cards which were mailed to me by Bank of America. After reviewing the unauthorized transactions made on my account, I saw several international transactions and other transactions which were clear indicators of fraud. My initial claims should have never been denied and after they were reopened, they should have never been in a pending status for several months. They have been in this same pending status since XX/XX/XXXX, which was XXXX months ago. According to Regulation XXXX, a bank has up to 90 days to complete an investigation regarding errors reported on checking account. These claims have surpassed that time frame and no provisional credit was ever issued for these claims despite them exceeding the legal time limit allowed for an investigation. I sent Bank of America several documents to prove that these transactions were fraudulent, including police reports for the unauthorized transactions, identity theft reports from the Federal Trade Commission, mail theft reports from the Post Master General and the United States Postal Service, and written letters explaining the details of what happened regarding my stole mail. I was even hospitalized with COVID in XXXX when some of the unauthorized transactions were made with my stolen debit card and can provide doctor 's notes that I received when I was XXXX from the hospital. This money that was stolen from my account using my stolen XXXX debit card are government benefits which were issued to me during the pandemic that I need to pay back rent owed to my landlord from the times I was unable to pay my rent due to being unemployed from the XXXX pandemic. I have been trying to resolve this matter directly with Bank of America for over a year now. With my claims being in a pending status for six months now, Bank of America is in violation of federal law and has violated my consumer rights. According to Regulation E 1005.11 ( c ) ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.\n\n( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. \n\nMy claim numbers which are currently in a pending status are claim numbers : XXXX and XXXX.","date_sent_to_company":"2023-01-04T16:23:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94103","tags":null,"has_narrative":true,"complaint_id":"6332263","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-12-18T01:09:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["These claims <em>have</em> <em>surpassed</em> that time frame and no provisional credit was ever issued for these claims despite them exceeding the legal time limit allowed for an <em>investigation</em>."]},"sort":[10.109336,"6332263"]},{"_index":"complaint-public-v1","_id":"2799978","_score":10.012214,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX XXXX has chosen to deliberately break the law and cause immediate financial harm towards myself and my family and unless XXXX XXXX and XXXX initiate an Expedited Dispute Resolution ( that means within 3-days ) by correcting the false and inaccurate information SXXXX XXXX furnished, they are all complicit. \nHere is a summary of the facts : *NOTE : XXXX XXXX , XXXX XXXX XXXX and XXXX are in the business of credit reporting and furnishing information to credit agencies. They are all very familiar with regulation and what their requirements are, therefore, when they adapt policy or take actions which violate the law, it is deliberate. \n\n1. On XX/XX/XXXXI filed a complaint with the CFPB case # XXXX claiming a XXXX Credit Card  I have not used in years displayed a balance of {$1700.00}. I disputed the entire balance and requested XXXX XXXX to make sure they have not or do not report this balance to the credit bureaus and to investigate and provide me with the results. \n\n2. OnXX/XX/XXXX, I filed my fraud claim through the CFPB case # XXXX, I provided an affidavit of fraud, informed them of the imminent harm I would suffer if this was not properly reported. \n\n3. On XX/XX/XXXX I certified mailed the same complaint to XXXX XXXX along with the original affidavit of fraud. \n\n4. As of XX/XX/XXXX, XXXX XXXX responded to case # XXXX. In their response SYNCHRONY Bank contradicted themselves numerous times ; 5. XXXX XXXX is aware they could have reported false information to the credit bureaus as a result of my dispute and affidavit.\n\na. ) a balance of {$1700.00} and wrongly closed the account 6. XXXX XXXX refused to remove the balance reported and status of account being closed by credit grantor 7. By claiming to have conducted a proper investigation between XX/XX/XXXX - XX/XX/XXXX On XX/XX/XXXX, a fraud investigation was initiated 8. XXXX XXXX  admitted a new card was mailed to me on XX/XX/XXXX and activated ONLINE on XX/XX/XXXX but they have no knowledge of the IP address it was activated from. \nA card for the above referenced account was reissued and mailed to the address on your account on XX/XX/XXXX The new card was activated onXX/XX/XXXXWe do not KNOW the IP address from which your account was activated. see letter attached NOTE : Claiming they do not know the IP ADDRESS it was activated from is absurd and I have contacted a few experts who concur. Either XXXX XXXX does not want to provide the IP ADDRESS because it will strengthen my claim or their security system dates back to the XXXX. Anyone with the most standard understanding of technology would be hard pressed to believe this claim. So why have they lied? \n\n9. XXXX XXXX claims to have concluded an investigation in four days and found the information they furnished to the credit bureaus is correct and they have NO reason to believe it is not. We have reviewed your account record and verified we have accurately reported your account history information to the major credit bureaus.\n\nIf XXXX XXXX investigated properly they would have known I was over 2000 miles away in XXXX Florida from XX/XX/XXXX through XX/XX/XXXX. Therefore, physically impossible for me to make most of the charges I am disputing. See attaching boarding pass 10. Falsely assuming I used their online banking platform, I have NOT! I receive paper statements and typically mail in my payments. \n\n11.XXXX XXXX is refusing to address an obvious security concern. This account has not been used in years, then suddenly over a few weeks it was activated and used dozens of times. How did their security system not recognize the increased activity? \n\n\nThe law clearly states when furnishers provide information to a Credit Reporting Agency ( CRA ), they have obligations under the FCRA to ensure the accuracy of the information they furnish. As a rule, its illegal to report information that they know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be  exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) I have provided more than allegations, every court in this  country recognizes an AFFIDAVIT of Fraud surpasses the threshold of reasonable cause Additionally, as of XX/XX/XXXX I have filed an ID theft claim with the FTC, requesting the Credit Bureaus to BLOCK this tradeline within 4 days.","date_sent_to_company":"2018-01-31T21:42:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"2799978","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2018-01-31T21:12:46.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["FCRA Section 623 ( a ) ( 1 ) ( C ) I <em>have</em> provided more than allegations, every court in this  country recognizes an AFFIDAVIT of Fraud <em>surpasses</em> the threshold of reasonable cause Additionally, as of XX/XX/XXXX I <em>have</em> filed an ID theft claim with the FTC, requesting the Credit Bureaus to BLOCK this tradeline within 4 <em>days</em>."]},"sort":[10.012214,"2799978"]},{"_index":"complaint-public-v1","_id":"3303898","_score":9.981455,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX I began a modification with my mortgage company. The final paperwork for the modification didn't come until XXXX of XXXX. The paperwork required my signature in front of a notary public which I completed. It also had to be within 5 days of receipt, which I also completed. In XXXX of XXXX Homepoint Financial began to refuse my payment saying that the final paperwork for the modification wasn't returned on time. I then had to prove to the that it had in fact been returned and signed for by a XXXX XXXX at their Texas branch. The representative I spoke to about the papers actually having been received said that there would be an investigation and I would hear from her by the following Tuesday at the latest. \nI never heard back from her again. I then received paperwork saying my loan had been sold, which I thought was odd since I was in the middle of a modification. Then for some reason out of the blue XXXX began accepting my payments again. I then paid for a past due XXXX payment and my XXXX payment. Then suddenly they began to refuse my payment again. So out of fear for losing my home I began the borrowers assistance package and sent out an email to an address that had emailed me in the past from Homepoint. They came back with a repayment plan that almost surpassed my income and was completely unrealistic. They wanted me to pay XXXX a month for XXXX months. I couldn't make those payments and again did yet another borrowers assistance package at the hopes of the repayment plan would doable. They then denied me any option that would allow me and my family to remain in the home. Based on the fact that I had had a previous modification in less than 24 months when in fact it had been denied due to lack of paperwork supposedly. During the modification process I was called on a Friday and told that some of the tax documents that I had submitted wasn't going to be sufficient. I stressed the entire weekend, literally a train wreck all weekend and when I called on Monday I was told All that was needed was in and it looked good. Just an example of how they have added stress and pressure to an already terrible situation. I have been handled terribly and talked down to as if me or my house truly means nothing to any of these people. Their idea of communication is to send a person to knock on your door but not wait for you but instead leave a note on the door and take off. I followed through with my part of the very first forbearance that XXXX is calling a modification. The same modification they denied existed while on the phone with me and my attorney. XXXX has been so all over the place with my mortgage statements, amounts and payments and whenever I call them they always say I have to talk to my case worker and they let me leave a message and my call is never returned. I also did reach out to a counselor with XXXX XXXX XXXX whicj also wasn't able to make heads or tails of what XXXX was doing. Thanks for you help in this matter","date_sent_to_company":"2019-07-17T10:41:59.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"55060","tags":null,"has_narrative":true,"complaint_id":"3303898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Home Point Financial Corporation","date_received":"2019-07-12T02:51:24.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Just an example of how they <em>have</em> added stress and pressure to an already terrible situation. I <em>have</em> been handled terribly and talked down to as if me or my house truly means nothing to any of these people. Their idea of communication is to send a person to knock on your door but not wait for you but instead leave a note on the door and <em>take</em> off. I followed through with my part of the very first forbearance that XXXX is calling a modification."]},"sort":[9.981455,"3303898"]},{"_index":"complaint-public-v1","_id":"4126284","_score":9.445614,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XX/XX/XXXX, I applied for and was approved for a Hilton Honors Surpass card from America Express ( \" AmEx '' XXXX. Per product materials, the card was supposed to be delivered to me in a week from approval. I was initally approved on XX/XX/XXXX. The card comes with a signup incentive bonus of XXXX Hilton rewards points if the cardholder spends {$2000.00} within 3 months from the date the card is approved. \n\nIn XXXX, with the card having never shown up, I contacted AmEx to request a card replacement as the original never arrived in my mailbox. Upon actually receiving the replacment card and confirming/activating it with AmEx XXXX nearly one month after the initial approval, on XX/XX/XXXX ), I spoke with an AmEx representative about the reward points offer and they were ( at that time, at least ) understanding that the {$2000.00} spend threshold would be difficult to hit given that ( a ) lockdowns in New York would prevent me from being able to use the card as often as I otherwise would and ( b ) the fact that I received the card a month late due to delivery issues ( no fault of my own ) makes this entirely practical. I was assured at the time by the representative I spoke with that I would receive an \" extra few weeks '' ( through XX/XX/XXXX or XXXX, XXXX ) to spend the {$2000.00} threshold for the rewards points. Satisfied with the response on this issue, I used the card as instructed. \n\nUnfortunately what the first representative told me was false. Assuming rewards points simply take time to be placed into an account, I waited until XX/XX/XXXX to call AmEx to check on this. For the avoidance of doubt, I did check my historical spending on the card per the AmEx account site and confirmed that more than {$2000.00} was spent even before the first week of XXXX ended. \n\nI called an AmEx representative to check on this discrepancy between what I was told and what actually happened - this second call was on XX/XX/XXXX. During this call I outlined the issue above and was told that they would \" look into it '' as they do not have \" record on my account '' of that conversation with the first representative. I was told to call back in 10 days. \n\nToday ( XX/XX/XXXX ), I called to follow up on the above as I was instructed for a third call with AmEx. I was told again that there is no \" record on my account '' of that discussion point that was represented to me in the first call ( back in XXXX XXXX, and that an \" investigation '' had been completed and that no rewards points would be given as I did not spend {$2000.00} within 3 months of the initial account opening ( for clarity, I did spend that much within 3 months of actually receiving the card, and as was represented on the first customer service call above, therefore qualified for the signup rewards bonus ). This last representative declined to provide any details on the purported \" investigation '' and said I could not speak with another department closer to the investigation and decision process. They did acknowledge that customer calls are all recorded, but would not tell me if anyone at AmEx checked the recording of the first customer service call at the root of this issue. \n\nIn conclusion, I was lied to by AmEx with respect to the timing in which rewards benefits could be earned. Had they not misrepresented this, I would not have kept the card, nor paid the annual membership fee on the card, nor used the card for any transactions allowing AmEx to earn merchant discount fees from me.","date_sent_to_company":"2021-02-09T06:00:26.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"10012","tags":null,"has_narrative":true,"complaint_id":"4126284","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-02-09T00:55:39.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["During this call I outlined the issue above and was told that they would \" look into it '' as they do not <em>have</em> \" record on my account '' of that conversation with the first representative. I was told to call back in 10 <em>days</em>. \n\nToday ( XX/XX/XXXX ), I called to follow up on the above as I was instructed for a third call with AmEx."]},"sort":[9.445614,"4126284"]},{"_index":"complaint-public-v1","_id":"12129998","_score":9.364876,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint to the Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, and Equifax for Violations of the Fair Credit Reporting Act ( FCRA ) & Unlawful Re-Aging of Debt Complaint Details : I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TransUnion , and Equifax for the unlawful re-aging of accounts on my credit report, failure to correct inaccurate information, and violations of the Fair Credit Reporting Act ( FCRA ) and California Consumer Credit Reporting Agencies Act ( CCCRAA ). \n\nDespite multiple disputes filed with the credit bureaus, TransUnion and Equifax have refused to investigate or correct the inaccurate reporting of XXXX aged accounts on my credit report. These accounts have exceeded the legal reporting time limit and must be immediately deleted as required under FCRA 15 U.S. Code 1681c ( a ) ( 4 ). \n\nXXXX. XXXX XXXX XXXX XXXX Account # XXXX ) I contacted XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX and spoke with XXXX ( Rep ID XXXX XXXX ) from the XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX \nI was informed that my first date of delinquency was XX/XX/XXXX ( XXXX days late ). \nUnder FCRA 15 U.S. Code 1681c ( a ) ( 4 ), negative credit information must be removed after 7 years from the first delinquency, which means this account should no longer be reported. \nInstead, XXXX XXXX XXXX unlawfully re-aged the account, extending its reporting period beyond what is legally allowed in an attempt to continue collection efforts. \n\nXXXX. XXXX XXXX XXXX ( Account # XXXX ) I contacted XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX  and spoke with XXXX from Customer Resolutions ( XXXX ). \nI was informed that my first date of delinquency was XX/XX/XXXX ( XXXX days late ). \nDespite this, XXXX XXXX XXXX refuses to remove the aged account from my credit report, even though it has surpassed the 7-year reporting limit under FCRA 15 U.S. Code 1681c ( a ) ( 4 ). \nXXXX XXXX XXXX has also re-aged this account, unlawfully extending the collection and reporting period to harm my credit score. \n\n3. Credit Bureau Failures ( TransUnion & Equifax ) I have filed XXXX previous disputes with TransUnion and Equifax , yet they have failed to investigate or remove these aged accounts. \nThis is a direct violation of FCRA 15 U.S. Code 1681i ( a ), which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes an account. \nTheir failure to act constitutes willful noncompliance under FCRA 15 U.S. Code 1681n, making them liable for damages. \n\nRequest for Resolution I formally request that the CFPB take immediate action and : 1. Direct TransUnion and Equifax to immediately delete the XXXX unlawful collection accounts ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX from my credit report. \nXXXX. Investigate XXXX XXXX XXXX and XXXX XXXX XXXX for illegal re-aging of debt, which violates the FCRA and CCCRAA. \nXXXX. Impose penalties on TransUnion and Equifax for failure to conduct a proper investigation and update my credit file as required under FCRA 15 U.S. Code 1681i ( a ). \nXXXX. Expedite this process as these unlawful accounts are negatively affecting my credit score and preventing me from securing an auto loan. \n\nIf these issues are not resolved immediately, I am prepared to escalate this matter through legal action. \n\nSupporting Evidence : Sworn affidavit detailing the violations by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX \nCredit reports showing these accounts still reporting beyond the legal time frame. \nCall records and representative statements confirming the first date of delinquency. \n\nI appreciate the CFPBs prompt attention to this matter and look forward to a swift resolution. \n\nSincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX","date_sent_to_company":"2025-02-25T23:59:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90064","tags":null,"has_narrative":true,"complaint_id":"12129998","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-20T02:34:46.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Despite multiple disputes filed with the credit bureaus, TransUnion and Equifax <em>have</em> refused to <em>investigate</em> or correct the inaccurate reporting of XXXX aged accounts on my credit report. These accounts <em>have</em> exceeded the legal reporting time limit and must be immediately deleted as required under FCRA 15 U.S. Code 1681c ( a ) ( 4 ). \n\nXXXX."]},"sort":[9.364876,"12129998"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":36,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":36}]}},"product":{"doc_count":36,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card or prepaid card","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":6},{"key":"Government benefit card","doc_count":2},{"key":"General-purpose prepaid card","doc_count":1},{"key":"Store credit card","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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