{"took":246,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3627,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3225183","_score":16.33538,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, I noticed several fraudulent charges to my card and notified American Express. While on the call the agent questioned one fo the charges and said it was \" related to charges from other businesses '' and named them. I told him that I didn't see any charges of those sort on the dates in question. We finished the call and I got the confirmation mail, which included charges from many months ago to those two merchants, which were valid and should not be disputed. \n\nThen I got a Declaration of Fraud form which I submitted with only the fraudulent charges on it. This was rejected by them as incomplete because it didn't include the two ( non-fraud ) charges. I called and explained that those were erroneous and are not fraud. They asked me to resubmit it. I did so. Then a final charge settled and I called to add it, as I had been instructed to do, with no problem ( on the XXXX ). According to the customer agreement, \" If you contact us by phone, we may require that you send us your complaint or question in writing within ten ( 10 ) business days. We will determine whether an error occurred within ten ( 10 ) business days after we hear from you and will correct any error promptly. If, however, we need more time, we may take up to forty-five ( 45 ) days to investigate your complaint or question. If we decide to do this, we will credit your Account ... within ten ( 10 ) business days after your contacting us for the amount you have reported to us is in error so that you will have the use of the funds during the time it takes us to complete the investigation. '' We have exceeded the 10 days. I've called every single day since then and spoken with a supervisor, who has told me ( every day ) that I will receive a notification from them that day by close of business. And that has not happened - not a single time of the five that it has been promised.","date_sent_to_company":"2019-04-28T05:09:48.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"941XX","tags":null,"has_narrative":true,"complaint_id":"3225183","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-04-28T00:59:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["We will determine whether an error occurred <em>within</em> ten ( 10 ) <em>business</em> <em>days</em> after we hear from you and will correct any error promptly. If, however, we need more time, we may take up to forty-five ( 45 ) <em>days</em> to <em>investigate</em> your complaint or question."]},"sort":[16.33538,"3225183"]},{"_index":"complaint-public-v1","_id":"16635971","_score":16.087523,"_source":{"product":"Checking or savings account","complaint_what_happened":"The rules around provisional credit for disputes on debit cards, like the Cash App XXXX XXXX, are governed by a federal regulation in the U.S. called Regulation XXXX ( XXXX XXXX ). \nHere 's a breakdown of the key points regarding provisional credit under XXXX XXXX for XXXX XXXX Transfer ( EFT ) errors, which includes unauthorized or incorrect debit card transactions : XXXX. XXXX XXXX : A financial institution has XXXX business days from receiving the notice of error to complete its investigation. \nXXXX. XXXX XXXX & XXXX XXXX : If the institution can not complete the investigation within those XXXX business days, it can take up to 45 days ( or 90 days in certain cases, such as point-of-sale debit card transactions, foreign transactions, or new accounts ). \nCrucially, to use this extended timeframe ( beyond XXXX business days ), the institution must provisionally credit the consumer 's account in the amount of the alleged error within the initial XXXX business days of receiving the notice. \nIn short, based on federal regulation ( XXXX XXXX ) : If the institution takes more than XXXX business days to investigate my dispute, they are generally required to issue a provisional credit within that XXXX window. \nIf they resolve the dispute within XXXX business days, they are not required to issue a provisional credit. \nWhat Cash App 's statement suggests : Cash App 's response ( \" XXXX credits aren't guaranteed or automatictimelines can vary ... '' ) is technically correct in that a credit isn't automatic if they can resolve the dispute quickly ( within XXXX business days ). However, if they need the full extended time ( up to XXXX or 90 days ), they are required by Regulation XXXX to issue the provisional credit within XXXX business days. \nMy situation : i filed the dispute on XX/XX/XXXX. \nIt is now XX/XX/XXXX. \nCounting business days ( XXXX, excluding federal holidays ), the XXXX window has passed by XX/XX/XXXX at latest. \nSince your dispute is \" still under review '' after the XXXX period, and they haven't issued provisional credit, they engaged in illegal tactics.","date_sent_to_company":"2025-10-16T11:33:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"16635971","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-10-16T11:20:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["XXXX XXXX : A financial institution has XXXX <em>business</em> <em>days</em> from receiving the notice of error to complete its <em>investigation</em>. \nXXXX. XXXX XXXX & XXXX XXXX : If the institution can not complete the <em>investigation</em> <em>within</em> <em>those</em> XXXX <em>business</em> <em>days</em>, it can take up to 45 <em>days</em> ( or 90 <em>days</em> in certain cases, such as point-of-sale debit card transactions, foreign transactions, or new accounts )."]},"sort":[16.087523,"16635971"]},{"_index":"complaint-public-v1","_id":"6239276","_score":15.834647,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/22 and XX/XX/22 I sent Experian Identity Theft reports from the FTC regarding erroneous accounts on my credit file. Experian did not block and remove those accounts from my credit file within 4 business days as required to by law. In Experians recent response, it didnt bother to investigate my claim again. Experian is enabling identity fraud and defamation of my character. The fact of the matter is that this company can not verify an item is mine when it doesnt belong to me. I sent you the FTC report, as I was instructed to do. You failed to follow the FCRA and remove the accounts mentioned on the report within four business days. You hereby admitting to being guilty of the Enablement of Identity Fraud.","date_sent_to_company":"2022-11-23T16:11:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77044","tags":null,"has_narrative":true,"complaint_id":"6239276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-23T15:58:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Experian did not block and remove <em>those</em> accounts from my credit file <em>within</em> 4 <em>business</em> <em>days</em> as required to by law. In Experians recent response, it didnt bother to <em>investigate</em> my claim again. Experian is enabling identity fraud and defamation of my character. The fact of the matter is that this company can not verify an item is mine when it doesnt belong to me. I sent you the FTC report, as I was instructed to do."]},"sort":[15.834647,"6239276"]},{"_index":"complaint-public-v1","_id":"15965238","_score":15.618861,"_source":{"product":"Credit card","complaint_what_happened":"I called Bank of America a month or so to dispute charges on my credit card ending in XXXX as I noticed in my online account that I had charges on them. During that call, I spoke with a male rep and advised him that I never received paper statements so I was wondering what those charges are. I told him that BOA is not my primary credit card and only using my checking account with them to pay my son 's school expenses so I do not log into my account compared to my other primary accounts. I was told that I will get an investigation results in the mail but I never did as of today, XX/XX/XXXX. I placed a call today because I finally received a credit card paper statement as I found out that they have not stopped charging my account after my first attempt to report a suspected fraud transactions, and continued to charge late fee. I asked the lady rep for the date I last called them to refer my request to dispute charges for those suspected fraud, but was informed that she does not have a record or found notation about that call. She however confirmed that they have closed my credit card account. I could have paid it off when I called them upon initial report as I also have an active checking account with them. It was easy for me to debit my account if they are legitimate transactions, but I relied to the promised result of their fraud investigation. I expected that their obligation as fiduciary will be fulfilled, but it seemed that they took my call for granted. I understand that under Regulation XXXX, financial institutions must promptly investigate errors reported by consumers. The basic timeline is to resolve most errors within XXXX business days and report findings within XXXX days of completing the investigation. If an institution needs more time, they may take up to 45 days by provisionally crediting the consumer 's account within XXXX business days. However, extended deadlines of up to 90 days apply for specific transactions like point-of-sale debit card transactions or those involving new accounts within XXXX  days of the first deposit. The institution must notify the consumer of its findings and explain their right to request supporting documents. In my frustration, I requested today to debit my BOA checking account to settle it. I am writing to let you know that Bank of America did not comply with the consumer protection guidelines and kept on charging fees to the disputed transactions.","date_sent_to_company":"2025-09-16T14:09:03.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"22030","tags":null,"has_narrative":true,"complaint_id":"15965238","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-09-16T13:27:51.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["The basic timeline is to resolve most errors <em>within</em> XXXX <em>business</em> <em>days</em> and report findings <em>within</em> XXXX <em>days</em> of completing the <em>investigation</em>. If an institution needs more time, they may take up to 45 <em>days</em> by provisionally crediting the consumer 's account <em>within</em> XXXX <em>business</em> <em>days</em>. However, extended deadlines of up to 90 <em>days</em> apply for specific transactions like point-of-sale debit card transactions or <em>those</em> involving new accounts <em>within</em> XXXX  <em>days</em> of the first deposit."]},"sort":[15.618861,"15965238"]},{"_index":"complaint-public-v1","_id":"7574386","_score":15.5240555,"_source":{"product":"Credit card","complaint_what_happened":"This is the 3rd issue in 12 months. I mailed a check for payment on account on XX/XX/23 for {$50.00} and then on XX/XX/23 I mailed a check for {$140.00} for a charge incurred on XX/XX/23 well within the billing cycle. Neither check has cleared yet. Checks sent to other businesses sent on those dates have been received and cleared. XXXX checks have not been removed from the mailbox Previously checks have been received and cleared within 4 days. This is not the first issue with this company. I have had checks improperly recorded on amount and been charge service fees on payments made, recieved and recorded within 4 days within the billing cycle. These people should be investigated.","date_sent_to_company":"2023-09-19T16:57:32.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"33714","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"7574386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-09-19T16:18:30.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I have had checks improperly recorded on amount and been charge service fees on payments made, recieved and recorded <em>within</em> 4 <em>days</em> <em>within</em> the billing cycle. These people should be <em>investigated</em>."]},"sort":[15.5240555,"7574386"]},{"_index":"complaint-public-v1","_id":"14476375","_score":15.448515,"_source":{"product":"Checking or savings account","complaint_what_happened":"I filed a fraud claim with Navy Federal Credit Union on XX/XX/year>, for four unauthorized debit card transactions totaling {$210.00} on my debit card ending in XXXX. These included : {$110.00} XXXX XXXX ( XXXX, KY ) {$55.00} XXXX XXXX XXXX {$23.00} XXXX XXXX XXXXXXXX {$23.00XXXX XXXX XXXX XXXXXXXX I was physically outside the United States at the time of these charges, and I submitted flight documentation to Navy Federal showing I was in XXXX and could not have made these transactions. \n\nDespite this, Navy Federal has not issued provisional credit, nor confirmed that my claim has been assigned to an investigator. It is now 5 business days since the claim was filed, and I have received only an email accusing me of filing suspicious claims and threatening to revoke my debit card privileges for 3 years. \n\nI have held this account for years and submitted valid fraud claims in the past, all in good faith. Those prior claims were credited within 1 business day.\n\nThis feels like retaliation and an attempt to avoid compliance with Regulation E ( 12 CFR 1005.11 ), which requires provisional credit within 10 business days unless a narrow exemption applies. None of those exemptions apply here.","date_sent_to_company":"2025-07-07T02:04:18.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"40215","tags":"Servicemember","has_narrative":true,"complaint_id":"14476375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-07-07T01:38:54.000Z","state":"KY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["This feels like retaliation and an attempt to avoid compliance with Regulation E ( 12 CFR 1005.11 ), which requires provisional credit <em>within</em> 10 <em>business</em> <em>days</em> unless a narrow exemption applies. None of <em>those</em> exemptions apply here."]},"sort":[15.448515,"14476375"]},{"_index":"complaint-public-v1","_id":"21319646","_score":15.088615,"_source":{"product":"Checking or savings account","complaint_what_happened":"b\"Back on XXXX XXXX  I found out that on my business debit card with Bank Of America with the following account XXXX XXXX XXXX had been lost misused unauthorized activity on the following dates XXXX XXXX XXXX XXXX  there were 3 unauthorized withdrawals that I reported each found XXXX  for total of XXXX . Ive yet to even get an provisional credit from bank at all and my card was not in my possession either being XXXX XXXX I did lose my card or being XXXX  known for lots of theft via skimming ... I reported this to BOA on XXXX XXXX directly the XXXX  day\\n XXXX Procedures for resolving errors.\\nUnder Regulation E, financial institutions must investigate consumer electronic fund transfer (EFT) disputes promptly, generally within 10 business days of receiving notice of an error. If the investigation takes longer, the institution must provide provisional credit to the consumer's account within those 10 days for the amount of the alleged error.\\n\\nIt has been 11 Days now past federal regulated deadline\"","date_sent_to_company":"2026-04-16T21:32:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"97213","tags":null,"has_narrative":true,"complaint_id":"21319646","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-16T21:27:53.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["\\nUnder Regulation E, financial institutions must <em>investigate</em> consumer electronic fund transfer (EFT) disputes promptly, generally <em>within</em> 10 <em>business</em> <em>days</em> of receiving notice of an error. If the <em>investigation</em> takes longer, the institution must provide provisional credit to the consumer's account <em>within</em> <em>those</em> 10 <em>days</em> for the amount of the alleged error.\\n\\nIt has been 11 <em>Days</em> now past federal regulated deadline\""]},"sort":[15.088615,"21319646"]},{"_index":"complaint-public-v1","_id":"21283530","_score":15.008771,"_source":{"product":"Checking or savings account","complaint_what_happened":"b\"Back on XXXX XXXX I found out that on my business debit card with Bank Of America with the following account XXXX XXXX XXXX  had been lost misused unauthorized activity on the following dates XXXX XXXX XXXX XXXX  there were XXXX  unauthorized withdrawals that I reported each found XXXX  for total of XXXX XXXX Ive yet to even get an provisional credit from bank at all and my card was not in my possession either being XXXX XXXX I did lose my card or being XXXX  known for lots of theft via skimming ... I reported this to BOA on XXXX XXXX directly the XXXXh day \\n XXXX Procedures for resolving errors.\\nUnder Regulation E, financial institutions must investigate consumer electronic fund transfer (EFT) disputes promptly, generally within XXXX  business days of receiving notice of an error. If the investigation takes longer, the institution must provide provisional credit to the consumer's account within those XXXX  days for the amount of the alleged error. \\nConsumer Financial Protection Bureau\"","date_sent_to_company":"2026-04-15T22:55:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"97213","tags":null,"has_narrative":true,"complaint_id":"21283530","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-15T22:49:31.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["\\nUnder Regulation E, financial institutions must <em>investigate</em> consumer electronic fund transfer (EFT) disputes promptly, generally <em>within</em> XXXX  <em>business</em> <em>days</em> of receiving notice of an error. If the <em>investigation</em> takes longer, the institution must provide provisional credit to the consumer's account <em>within</em> <em>those</em> XXXX  <em>days</em> for the amount of the alleged error. \\nConsumer Financial Protection Bureau\""]},"sort":[15.008771,"21283530"]},{"_index":"complaint-public-v1","_id":"12862522","_score":14.996307,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this formal complaint regarding Ally Banks handling of unauthorized electronic fund transfers from my personal checking account, which I believe may be in violation of Regulation E under the Electronic Fund Transfer Act ( EFTA ). \n\nOn XXXX XXXX XXXX, I contacted Ally Bank to report several unauthorized XXXX transfers totaling {$2000.00} made to an individual with whom I have no personal or professional relationship. I also filed a police report documenting this fraud. \n\nAlly Bank informed me that they would initiate a fraud investigation and temporarily freeze access to my account during the review period. I was told by a customer service representative that the investigation could take up to 10 business days, and that I could expect communication from an investigator within that timeframe, as well as any applicable provisional credit.\n\nHowever, once those 10 business days had passed, I received no communication, no provisional credit, and no resolution to my claim. I proactively contacted Ally Bank again, only to be told that there were no updates, and no timeline could be provided for either resolving the investigation or restoring access to my account. \n\nAs a result of being locked out of my account, I have been unable to access my own funds. This has severely disrupted my ability to make bill payments, particularly for those set up through ACH autopay, and has resulted in multiple rejected transfer fees, delayed receipt of my paycheck, and significant financial hardship.\n\nUnder Regulation E, consumers are entitled to prompt investigation of unauthorized electronic transfers, as well as timely notification of the results andif applicableprovisional credit within 10 business days. Ally Banks failure to provide updates or access to funds beyond this window appears to be non-compliant with these regulatory requirements.\n\nThis situation has caused me significant distress, both financially and emotionally. I am therefore requesting that the CFPB investigate Ally Banks handling of my case and determine whether they are in violation of their obligations under 12 CFR 1005.11 of Regulation E.\n\nThank you for your attention to this matter.","date_sent_to_company":"2025-04-07T14:51:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78702","tags":null,"has_narrative":true,"complaint_id":"12862522","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-04-07T14:25:46.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Ally Bank informed me that they would initiate a fraud <em>investigation</em> and temporarily freeze access to my account during the review period. I was told by a customer service representative that the <em>investigation</em> could take up to 10 <em>business</em> <em>days</em>, and that I could expect communication from an <em>investigator</em> <em>within</em> that timeframe, as well as any applicable provisional credit."]},"sort":[14.996307,"12862522"]},{"_index":"complaint-public-v1","_id":"17051434","_score":14.932586,"_source":{"product":"Checking or savings account","complaint_what_happened":"claim : XXXX im victim of fraud by a merchant taking money from my account. i reported it to bank of america.the merchant acknowledge the fraud by reimbursing one of the transactions. \nbank of america failed to issue temporary credit within 10 business day even when the merchant did not reply within those 10 business day. \nbank of america did not investigate properly and refuse to defend me their customer when i was victim of this fraud siding with the merchant even if the merchant did not issu any proves or new documents babk of america still did nit reimburse after more than 50 days now. i have a letter from the merchant stating it was a fraud, a police report, a federal trade bureau report as identy theft, a XXXX XXXX  bill my phone was stolen, and occ and cfpb complain.","date_sent_to_company":"2025-11-05T08:39:29.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"33141","tags":null,"has_narrative":true,"complaint_id":"17051434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-05T08:20:01.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["bank of america failed to issue temporary credit <em>within</em> 10 <em>business</em> day even when the merchant did not reply <em>within</em> <em>those</em> 10 <em>business</em> day."]},"sort":[14.932586,"17051434"]},{"_index":"complaint-public-v1","_id":"7617358","_score":14.812879,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XX/XX/2023, Chase decided to end relationship with me with no reason. In XX/XX/2023, Chase closed both my saving and checking account, and at that time they told me they will send me the check about the money in both accounts within XXXX business days, but it already 20 days gone. I called them everyday, and they just can't give me a clear day to give me the check just told me their department is investigating. I am an international student here, this really give a a big trouble without those amount of money, nearly {$4400.00}. Please return the check as soon as possible!!!","date_sent_to_company":"2023-09-29T02:44:38.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"30309","tags":null,"has_narrative":true,"complaint_id":"7617358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-09-29T02:34:15.000Z","state":"GA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["In XX/XX/2023, Chase closed both my saving and checking account, and at that time they told me they will send me the check about the money in both accounts <em>within</em> XXXX <em>business</em> <em>days</em>, but it already 20 <em>days</em> gone. I called them everyday, and they just can't give me a clear day to give me the check just told me their department is <em>investigating</em>. I am an international student here, this really give a a big trouble without <em>those</em> amount of money, nearly {$4400.00}."]},"sort":[14.812879,"7617358"]},{"_index":"complaint-public-v1","_id":"2686341","_score":14.776683,"_source":{"product":"Debt collection","complaint_what_happened":"American Express is in violation of 15 U.S.C 1693 ( f ) as well as FDIC 6000 - Consumer Protection ; TITLE VI - ELECTRONIC FUND TRANSFER 908 Error Resolution based on the facts of American Express 's failure to ; conduct a good faith investigation of alleged error and mail the results of said investigation within ten business days of XX/XX/XXXX, American Express did not provide a provisional recredit of my account in lieu of those requirements within ten business days of XX/XX/XXXX, American Express failed to mail any explanation of findings within 3 business days of the good faith investigation that should 've taken place within the first 10 business days of XX/XX/XXXX ( this did not take place ), American Express failed to mail any of the documents that were used to conclude that an error did not occur on my account, American Express concluded that my account was not in error when no such conclusion could not reasonably been drawn from the evidence available to your company at the time of its investigation, American Express failed to provide the verified, certified and complete transaction history that was requested, American Express did not have a reasonable basis for believing that my account was not in error. These are all direct violations of 15 U.S.C 1693 ( f ) as well as FDIC 6000 - Consumer Protection ; TITLE VI - ELECTRONIC FUND TRANSFER 908 Error Resolution. How this all took place is I submitted two payments to them in the amount of {$3200.00} one on XX/XX/XXXX and XX/XX/XXXX, American Express stated they did n't receive the funds. I requested an audit of transaction history and investigation as to where my funds went. They have failed to even attempt to reach me or comply with the stated statute. I stated in the request for the investigation and audit that failure to comply treble damages would apply. When they failed to make any good faith efforts in complying with the statute I sent a demand letter requesting the damages in the amount of {$19000.00} in which they still have failed to even reach out or try to settle this matter.","date_sent_to_company":"2017-09-27T18:30:54.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"53590","tags":null,"has_narrative":true,"complaint_id":"2686341","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2017-09-27T18:26:34.000Z","state":"WI","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["American Express is in violation of 15 U.S.C 1693 ( f ) as well as FDIC 6000 - Consumer Protection ; TITLE VI - ELECTRONIC FUND TRANSFER 908 Error Resolution based on the facts of American Express 's failure to ; conduct a good faith <em>investigation</em> of alleged error and mail the results of said <em>investigation</em> <em>within</em> ten <em>business</em> <em>days</em> of XX/XX/XXXX, American Express did not provide a provisional recredit of my account in lieu of <em>those</em> requirements <em>within</em> ten <em>business</em> <em>days</em> of XX/XX/XXXX, American Express"]},"sort":[14.776683,"2686341"]},{"_index":"complaint-public-v1","_id":"5369871","_score":14.631565,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Inaccurate information is reporting on my credit report and need to be removed. It's been 60 days and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to investigate these items within 30days give reason to immediately remove those items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please see my letters of complaint with the companies that is attached.","date_sent_to_company":"2022-03-26T06:21:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28083","tags":null,"has_narrative":true,"complaint_id":"5369871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-26T02:21:32.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["It's been 60 <em>days</em> and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to <em>investigate</em> these items <em>within</em> 30<em>days</em> give reason to immediately remove <em>those</em> items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and <em>business</em> addresses of each individual with whom you verified with so that I may follow up."]},"sort":[14.631565,"5369871"]},{"_index":"complaint-public-v1","_id":"5369889","_score":14.622622,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Inaccurate information is reporting on my credit report and need to be removed. It's been 60 days and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to investigate these items within 30days give reason to immediately remove those items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please see my letters of complaint with the companies that is attached.","date_sent_to_company":"2022-03-26T06:21:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28083","tags":null,"has_narrative":true,"complaint_id":"5369889","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-26T02:21:32.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["It's been 60 <em>days</em> and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to <em>investigate</em> these items <em>within</em> 30<em>days</em> give reason to immediately remove <em>those</em> items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and <em>business</em> addresses of each individual with whom you verified with so that I may follow up."]},"sort":[14.622622,"5369889"]},{"_index":"complaint-public-v1","_id":"5369885","_score":14.622622,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Inaccurate information is reporting on my credit report and need to be removed. It's been 60 days and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to investigate these items within 30days give reason to immediately remove those items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please see my letters of complaint with the companies that is attached.","date_sent_to_company":"2022-03-26T06:21:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28083","tags":null,"has_narrative":true,"complaint_id":"5369885","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-26T01:48:15.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["It's been 60 <em>days</em> and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to <em>investigate</em> these items <em>within</em> 30<em>days</em> give reason to immediately remove <em>those</em> items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and <em>business</em> addresses of each individual with whom you verified with so that I may follow up."]},"sort":[14.622622,"5369885"]},{"_index":"complaint-public-v1","_id":"17307478","_score":14.425929,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Fraudulent accounts have/are been opened using my personal identifying information these accounts are illegally reporting to my credit profile with the CRA. I filed a dispute against the unlawful and fraudulent accounts with TRANSUNION LLC whom by law was supposed to conduct a proper and full investigation and then mail me those results. which they did not. and also updated the fraudulent accounts as verifiable which is false misleading and illegal at this point i am preparing to take legal action against CRA if accounts due to identity theft/ Fraud are not deleted from my credit profile within 4 business days per FCRA","date_sent_to_company":"2025-11-17T13:49:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30093","tags":null,"has_narrative":true,"complaint_id":"17307478","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-17T13:10:34.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I filed a dispute against the unlawful and fraudulent accounts with TRANSUNION LLC whom by law was supposed to conduct a proper and full <em>investigation</em> and then mail me <em>those</em> results. which they did not. and also updated the fraudulent accounts as verifiable which is false misleading and illegal at this point i am preparing to take legal action against CRA if accounts due to identity theft/ Fraud are not deleted from my credit profile <em>within</em> 4 <em>business</em> <em>days</em> per FCRA"]},"sort":[14.425929,"17307478"]},{"_index":"complaint-public-v1","_id":"3324502","_score":14.422333,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"First, I'm thankful that you're finally taking the matter of this illegally opened account seriously. \n\nSecond, I am well versed in my rights and know that the course of action you outlined in your response to my last complaint violates my rights ; by now you have received a copy of the FTC ID Theft Affidavit that accompanied a copy of the letter from my wireless carrier. According to the FCRA, once you're received the ID Theft affidavit, you are to stop all collection actions and stop reporting to CRAs until investigations are complete. I also know those investigations are 30 days long, not 90 days. \n\nFinally, if you do not remove any negative information from CRAs within 10 business days, and if this said investigation takes longer than 30 days, I will file suite on day 31. At which point, every lie you've written on this forum will be shared in open court as evidence of your willful disregard for the truth and laws that govern this environment.","date_sent_to_company":"2019-07-31T14:23:48.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3324502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2019-07-31T14:06:42.000Z","state":"DC","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["According to the FCRA, once you're received the ID Theft affidavit, you are to stop all collection actions and stop reporting to CRAs until <em>investigations</em> are complete. I also know <em>those</em> <em>investigations</em> are 30 <em>days</em> long, not 90 <em>days</em>. \n\nFinally, if you do not remove any negative information from CRAs <em>within</em> 10 <em>business</em> <em>days</em>, and if this said <em>investigation</em> takes longer than 30 <em>days</em>, I will file suite on day 31."]},"sort":[14.422333,"3324502"]},{"_index":"complaint-public-v1","_id":"17310037","_score":14.419592,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Fraudulent accounts have/are been opened using my personal identifying information these accounts are illegally reporting to my credit profile with the CRA. I filed a dispute against the unlawful and fraudulent accounts with XXXX XXXX whom by law was supposed to conduct a proper and full investigation and then mail me those results. which they did not. and also updated the fraudulent accounts as verifiable which is false misleading and illegal at this point i am preparing to take legal action against CRA if accounts due to identity XXXX XXXX are not deleted from my credit profile within XXXX business days per FCRA","date_sent_to_company":"2025-11-17T14:45:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30093","tags":null,"has_narrative":true,"complaint_id":"17310037","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-17T14:11:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I filed a dispute against the unlawful and fraudulent accounts with XXXX XXXX whom by law was supposed to conduct a proper and full <em>investigation</em> and then mail me <em>those</em> results. which they did not. and also updated the fraudulent accounts as verifiable which is false misleading and illegal at this point i am preparing to take legal action against CRA if accounts due to identity XXXX XXXX are not deleted from my credit profile <em>within</em> XXXX <em>business</em> <em>days</em> per FCRA"]},"sort":[14.419592,"17310037"]},{"_index":"complaint-public-v1","_id":"6066161","_score":14.355997,"_source":{"product":"Checking or savings account","complaint_what_happened":"I personally Called ( Bank Of America ) on XXXX XXXX to inform them that i noticed a transaction was done on my account that i had no knowledge of. I informed them of Account Withdrawal of {$15000.00} that was done from teller. Upon bringing this to their attention. I had to recieve new account information as well as have a new card sent out. Also my Current account went into the negative over {$1000.00}. Also Which i brought to their attention as well. I was connected to the Fraud Department all access to my account was frozen for my protection. I Have Recently under the rights of the Consumer process that within If the bank or credit union cant complete its investigation within ten ( or 20 ) business days as applicable, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of {$50.00}, while it continues to investigate.\n\nIn certain circumstances, however, it does not have to issue a temporary credit. For example, the bank or credit union may require you to provide written confirmation of the error if you initially provided the information by telephone. If you are asked to follow up in writing and you do not do so within ten business days, the bank or credit union is not required to temporarily credit your account during the course of its investigation.\n\nThe bank or credit union must then resolve the issue in 45 days, unless the disputed transactions were conducted in a foreign country, were conducted within 30 days of account opening, or were debit card point-of-sale purchases. In those cases, you may have to wait as long as 90 days for the issue to be fully resolved.\n\nIf the bank or credit union determines that the transactions were in fact authorized, it must provide you with written notice before taking the money that was credited to you during the investigation out of your account. None of the following process has been followed as well as the process being reflected on my account or while this is being open.","date_sent_to_company":"2022-10-09T05:21:14.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"37207","tags":null,"has_narrative":true,"complaint_id":"6066161","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-10-09T04:20:23.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["If you are asked to follow up in writing and you do not do so <em>within</em> ten <em>business</em> <em>days</em>, the bank or credit union is not required to temporarily credit your account during the course of its <em>investigation</em>.\n\nThe bank or credit union must then resolve the issue in 45 <em>days</em>, unless the disputed transactions were conducted in a foreign country, were conducted <em>within</em> 30 <em>days</em> of account opening, or were debit card point-of-sale purchases."]},"sort":[14.355997,"6066161"]},{"_index":"complaint-public-v1","_id":"4126420","_score":14.288067,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX/XXXX/2020, I sent a letter to Transunion about inaccurate and unverifiable items on my credit report. It has been over a month and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 30 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.","date_sent_to_company":"2021-02-09T07:00:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27330","tags":null,"has_narrative":true,"complaint_id":"4126420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-09T01:53:15.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["In section 611 ( a ), it plainly says that a failure to <em>investigate</em> these items <em>within</em> 30 <em>days</em> gives a reason to immediately remove <em>those</em> items from my credit report. Since it has been over 30 <em>days</em>, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own <em>business</em> but my credit is making the process a lot harder."],"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":[14.288067,"4126420"]},{"_index":"complaint-public-v1","_id":"3996878","_score":14.288067,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a letter to Experian on XX/XX/2020, about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.","date_sent_to_company":"2020-12-08T05:27:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"171XX","tags":null,"has_narrative":true,"complaint_id":"3996878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-12-08T00:15:55.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["In section 611 ( a ), it plainly says that a failure to <em>investigate</em> these items <em>within</em> 30 <em>days</em> gives a reason to immediately remove <em>those</em> items from my credit report. Since it has been over 60 <em>days</em>, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own <em>business</em> but my credit is making the process a lot harder."],"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":[14.288067,"3996878"]},{"_index":"complaint-public-v1","_id":"4049641","_score":14.282223,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2020, I sent a letter to Transunion about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. Please have the inaccurate/invalid accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.","date_sent_to_company":"2021-01-06T06:34:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11420","tags":null,"has_narrative":true,"complaint_id":"4049641","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-01-06T01:24:06.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In section 611 ( a ), it plainly says that a failure to <em>investigate</em> these items <em>within</em> 30 <em>days</em> gives a reason to immediately remove <em>those</em> items from my credit report. Since it has been over 60 <em>days</em>, these items should be deleted immediately. Please have the inaccurate/invalid accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own <em>business</em> but my credit is making the process a lot harder."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.282223,"4049641"]},{"_index":"complaint-public-v1","_id":"13777961","_score":14.281542,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I filed a dispute with Chime regarding an unauthorized transaction and requested a provisional credit in accordance with Regulation E. I do not have a Credit Builder account, so I am not subject to the 20-business-day investigation timeline that applies to those new accounts. Under Regulation E, I should have received a provisional credit within 10 business days of my dispute. \nI contacted Chime again on XX/XX/XXXX to express the urgency of the matter and request an expedited resolution. I followed up again on XX/XX/XXXX, and was informed that someone might reach out, but I have not received any update or the required provisional credit. I also informed Chime representatives that their delay was in violation of Regulation E and their own terms and conditions.\n\nIt has now been more than 10 business days since I reported the issue, and Chime has failed to issue a provisional credit or complete the investigation. I believe this is a clear violation of Regulation E ( 12 CFR 1005.11 ), which protects consumers from delays in resolving unauthorized transaction disputes. \nI am requesting that Chime immediately issue the provisional credit owed to me, provide a written update regarding the investigation, and bring their practices into compliance with federal consumer protection laws.","date_sent_to_company":"2025-05-30T02:07:59.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"44035","tags":null,"has_narrative":true,"complaint_id":"13777961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-05-30T01:57:18.000Z","state":"OH","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I do not have a Credit Builder account, so I am not subject to the 20-<em>business</em>-day <em>investigation</em> timeline that applies to <em>those</em> new accounts. Under Regulation E, I should have received a provisional credit <em>within</em> 10 <em>business</em> <em>days</em> of my dispute. \nI contacted Chime again on XX/XX/XXXX to express the urgency of the matter and request an expedited resolution."]},"sort":[14.281542,"13777961"]},{"_index":"complaint-public-v1","_id":"3984774","_score":14.280874,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2020, I sent a letter to TransUnion about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.","date_sent_to_company":"2020-12-02T07:50:57.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27332","tags":null,"has_narrative":true,"complaint_id":"3984774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-12-02T02:25:26.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["In section 611 ( a ), it plainly says that a failure to <em>investigate</em> these items <em>within</em> 30 <em>days</em> gives a reason to immediately remove <em>those</em> items from my credit report. Since it has been over 60 <em>days</em>, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own <em>business</em> but my credit is making the process a lot harder."],"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":[14.280874,"3984774"]},{"_index":"complaint-public-v1","_id":"3984610","_score":14.280874,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2020, I sent a letter to Experian about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a funding to start my own business but my credit is making the process a lot harder.","date_sent_to_company":"2020-12-02T07:24:23.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27332","tags":null,"has_narrative":true,"complaint_id":"3984610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-12-02T01:44:57.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["In section 611 ( a ), it plainly says that a failure to <em>investigate</em> these items <em>within</em> 30 <em>days</em> gives a reason to immediately remove <em>those</em> items from my credit report. Since it has been over 60 <em>days</em>, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a funding to start my own <em>business</em> but my credit is making the process a lot harder."],"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":[14.280874,"3984610"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3627,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3627}]}},"product":{"doc_count":3627,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1738,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1730},{"key":"Other personal consumer report","doc_count":8}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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