{"took":235,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":225,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15454515","_score":15.309945,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this second complaint because my original complaint ( ID XXXX ) was closed without addressing the actual issue.\n\nMy original complaint stated that when I accepted an invitation to become a co-owner on my spouses Apple Card account, the invitation did not disclose that my own individual account would be closed, my separate credit line eliminated, and my credit history merged.\n\nGoldman Sachss response was a generic restatement of account terms and did not address the core issue : the lack of disclosure and informed consent. They avoided the substance of my complaint and provided a non-responsive answer. \n\nIt is unacceptable that CFPB marked my case Closed simply because the company replied. The company did not resolve my complaint, did not answer my allegations, and did not explain why critical disclosures were missing. \n\nKey issues requiring investigation : Why was there no disclosure that accepting the invitation would close my individual account? \nWhy is a simple click treated as informed consent to terminate an account when consequences were not disclosed? \nWhy does CFPB close complaints when companies avoid answering the core issue? \n\nRequested action : I request that CFPB re-open this matter, compel Goldman Sachs to address the disclosure failures directly, and treat this case as evidence of systemic violations of TILA, Regulation Z, and the CARD Act.","date_sent_to_company":"2025-08-22T16:22:04.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"34787","tags":null,"has_narrative":true,"complaint_id":"15454515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-08-22T16:10:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["My original complaint stated that when I accepted an invitation to become a co-owner on my spouses Apple <em>Card</em> <em>account</em>, the invitation did not disclose that my own individual <em>account</em> would be closed, my separate <em>credit</em> line eliminated, and my <em>credit</em> history merged.\n\nGoldman Sachss response was a generic restatement of <em>account</em> terms and did not address the core issue : the lack of <em>disclosure</em> and informed consent. They avoided the substance of my complaint and provided a non-responsive answer."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[15.309945,"15454515"]},{"_index":"complaint-public-v1","_id":"2048475","_score":14.538782,"_source":{"product":"Credit card","complaint_what_happened":"Basically, I have XXXX balance on my card believe I may be the victim of stolen identity. \nI tried twice on or before XXXX/XXXX/16 I called Bank Of America, and had already sent them a check for XXXX they claim it was returned. XXXX XXXX has no record of this transaction. Bank Of America claims that the check was returned by my bank ( XXXX ) However, XXXX XXXX according to XXXX as of XXXX, today has no record of such. No returned check or even an attempt made to pay this rather large and noticeable amount. On XXXX/XXXX/16 I called BOA and gave them a payment of XXXX from my debit card.. The confirmation number given to me is XXXX. Still there is no record of payment. My bank XXXX XXXX XXXX XXXX has informed me that neither of these payments have even been submitted. \nSomething is fishy Bank of America has gone so far as to charge fees for XXXX of these payments being returned. Neither payment had been returned according to XXXX XXXX I have an XXXX check missing as well as XXXX debit card payment which is missing I question whether or not I made these credit card purchases and respectfully request full disclosure of all records of this account as it seems I may be in fact a victim of identity theft.","date_sent_to_company":"2016-08-05T20:27:53.000Z","issue":"Other","sub_product":null,"zip_code":"070XX","tags":"Older American","has_narrative":true,"complaint_id":"2048475","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-08-05T20:27:53.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Neither payment had been returned according to XXXX XXXX I have an XXXX check <em>missing</em> as well as XXXX debit <em>card</em> payment which is <em>missing</em> I question whether or not I made these <em>credit</em> <em>card</em> purchases and respectfully request full <em>disclosure</em> of all records of this <em>account</em> as it seems I may be in fact a victim of identity theft."],"product":["<em>Credit</em> <em>card</em>"]},"sort":[14.538782,"2048475"]},{"_index":"complaint-public-v1","_id":"13051715","_score":14.031571,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Title : Lack of Transparency Regarding High Interest Rate and Non-Reducing Balance What happened? \nI applied for a CareCredit account online ( issued by Synchrony Bank ) over a year and a half ago to cover the cost of XXXX XXXX XXXX XXXX XXXX. At the time, I was not clearly informed that the interest rate would be 39.99 % APR. If the rate had been clearly disclosed, I would not have accepted those terms especially since I did not have trouble credit at the time. \nDespite making every monthly payment on time, my balance has barely gone down. It seems the majority of my payments are being applied to interest, and the monthly interest charges often exceed my minimum payment, making it feel like I'm falling deeper into debt despite paying consistently. \nThis feels misleading and predatory, particularly considering that this line of credit was meant to help with essential XXXX XXXX. I believe this violates fair lending and disclosure practices. \n\nCompany Name : CareCredit ( Synchrony Bank ) Product : Credit card or prepaid card Healthcare credit card Issue : Charged fees or interest I didn't expect ( Also could apply under : Problem with a purchase shown on your statement, Confusing or missing disclosures ) Account Number : XXXX","date_sent_to_company":"2025-04-17T16:45:51.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"295XX","tags":null,"has_narrative":true,"complaint_id":"13051715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-04-17T16:32:00.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["This feels misleading and predatory, particularly considering that this line of <em>credit</em> was meant to help with essential XXXX XXXX. I believe this violates fair lending and <em>disclosure</em> practices. \n\nCompany Name : Care<em>Credit</em> ( Synchrony Bank ) Product : <em>Credit</em> <em>card</em> or prepaid <em>card</em> Healthcare <em>credit</em> <em>card</em> Issue : Charged fees or interest I didn't expect ( Also could apply under : Problem with a purchase shown on your statement, Confusing or <em>missing</em> <em>disclosures</em> ) <em>Account</em> Number : XXXX"],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[14.031571,"13051715"]},{"_index":"complaint-public-v1","_id":"11068499","_score":13.961765,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Mortgage closing missing necessary disclosures and according to XXXX XXXX XXXX, policy listed and paid for through closing but not purchased nor was Settlement Agent of XXXX XXXX XXXX or authorized agent provided. Closing docs provided to XXXX XXXX. Recorded docs of conveyance never seen nor received. XXXX XXXX stated to myself and Previously to CFPB that they weren't aware nor Servicing this loan. I filed claim with XXXX XXXX and finally was contacted by XXXX XXXX department canceling loan however dept hasn't been cleared to date. Received email from attorney that recission was received and accepted by XXXX. Initially began canceling in XXXX continuing to escalate since. Everything must be resolved within XXXX according to cancelation laws. Missing TIL, TITLE insurance policy, purchase agreement, XXXX of right to cancel, XXXX XXXX XXXX, etc... I signed cancelation however, this isn't new information for CFPB. \nThis continues to negatively impact my credit and score due to debt being on XXXX XXXX XXXX credit card and different information being provided to each bureau for many accounts","date_sent_to_company":"2024-12-07T06:46:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30126","tags":null,"has_narrative":true,"complaint_id":"11068499","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Concord Servicing Corporation","date_received":"2024-12-07T04:59:16.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>Missing</em> TIL, TITLE insurance policy, purchase agreement, XXXX of right to cancel, XXXX XXXX XXXX, etc... I signed cancelation however, this isn't new information for CFPB. \nThis continues to negatively impact my <em>credit</em> and score due to debt being on XXXX XXXX XXXX <em>credit</em> <em>card</em> and different information being provided to each bureau for many <em>accounts</em>"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.961765,"11068499"]},{"_index":"complaint-public-v1","_id":"9555957","_score":13.844189,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX a statement was generated for XXXX with a missing credit card disclosure term. XX/XX/XXXX the company report to consumer reporting agencies a less amount XXXX, their is inaccuracies and potential errors using the accounts. There has been failure to correct and complete the present value term by working together for benefit of creditors. It has caused an unfair surprise and I am seeing greater potential for the use of rights to determine the true real meaning of the credit statement. In the beginning there was mistakes, now theres potential to add more important information and has been a failure to perform using the future payable. My heart desires that the collectively could work together as one to align with gods plan for everyone that all needs are met.\n\nSincerely","date_sent_to_company":"2024-07-19T14:41:35.000Z","issue":"Confusing or missing disclosures","sub_product":"Money order, traveler's check or cashier's check","zip_code":"77479","tags":null,"has_narrative":true,"complaint_id":"9555957","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-07-19T14:17:34.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/XXXX a statement was generated for XXXX with a <em>missing</em> <em>credit</em> <em>card</em> <em>disclosure</em> term. XX/XX/XXXX the company report to consumer reporting agencies a less amount XXXX, their is inaccuracies and potential errors using the <em>accounts</em>. There has been failure to correct and complete the present value term by working together for benefit of creditors."],"issue":["Confusing or <em>missing</em> <em>disclosures</em>"],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"]},"sort":[13.844189,"9555957"]},{"_index":"complaint-public-v1","_id":"13360462","_score":13.8417845,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding inaccurate reporting by XXXX XXXX  on my closed secured credit card account. The account was closed on XX/XX/XXXX, yet it continues to show recent payments ( XX/XX/XXXX ) and balance reporting ( XX/XX/XXXX ), which is factually impossible for a closed account. Additionally, the payment history is inconsistent, with missing data from XXXX, yet the report still calculates an 86 % on-time payment rate, which is misleading. \nInaccuracies : Post-closure activity being reported Conflicting dates and status information Improper charge-off remarks without full disclosure Missing but calculated payment history Violations of Law : FCRA 1681s-2 ( a ) : Reporting inaccurate information FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681s-2 ( b ) : Failure to correct errors after dispute CFPA ( XXXX  ) : Deceptive credit reporting practices This situation may constitute deceptive or unfair credit reporting practices, especially if a closed, paid-off account is being misrepresented.","date_sent_to_company":"2025-05-07T02:48:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37130","tags":null,"has_narrative":true,"complaint_id":"13360462","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-07T02:41:12.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint regarding inaccurate reporting by XXXX XXXX  on my closed secured <em>credit</em> <em>card</em> <em>account</em>. The <em>account</em> was closed on XX/XX/XXXX, yet it continues to show recent payments ( XX/XX/XXXX ) and balance reporting ( XX/XX/XXXX ), which is factually impossible for a closed <em>account</em>. Additionally, the payment history is inconsistent, with <em>missing</em> data from XXXX, yet the report still calculates an 86 % on-time payment rate, which is misleading."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.8417845,"13360462"]},{"_index":"complaint-public-v1","_id":"5999602","_score":13.76162,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Back in XX/XX/2021 I received a letter from XXXX stating my personal information was compromised and they were offering 2 yrs of free identity theft protection. When signing up for the protection I discovered that 2 credit cards had been opened using my personal information. When I reached out to Bank of America to report the card being fraudulently opened using my personal information They asked me what name was on the card and I was told they had no account in that name so I then provided them with the account number and they asked me how I got the account information and I said it was on my credit report and the credit bureau provided my with all the missing information. The bank seemed more bothered that I had the account information than what they needed to do to get a full disclosure as to how the account was opened and by who and what was provided to them by the thieves. Apparently, they used my personal info to open the account and then removed my name off the account and placed it in their name. They actually hung up on me after I insisted on them to investigate this fraudulent credit card account.","date_sent_to_company":"2022-09-20T20:25:50.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"28390","tags":null,"has_narrative":true,"complaint_id":"5999602","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-09-20T20:07:06.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["When I reached out to Bank of America to report the <em>card</em> being fraudulently opened using my personal information They asked me what name was on the <em>card</em> and I was told they had no <em>account</em> in that name so I then provided them with the <em>account</em> number and they asked me how I got the <em>account</em> information and I said it was on my <em>credit</em> report and the <em>credit</em> bureau provided my with all the <em>missing</em> information."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> opened as result of identity theft or fraud"]},"sort":[13.76162,"5999602"]},{"_index":"complaint-public-v1","_id":"11068693","_score":13.695479,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Mortgage closing missing necessary disclosures and according to XXXX XXXX XXXX, policy listed and paid for through closing but not purchased nor was Settlement Agent of XXXX XXXX XXXX or authorized agent provided. Closing docs provided to XXXX XXXX. Recorded docs of conveyance never seen nor received. XXXX XXXX stated to myself and Previously to CFPB that they weren't aware nor Servicing this loan. I filed claim with XXXX XXXX and finally was contacted by XXXX XXXX department canceling loan however dept hasn't been cleared to date. Received email from attorney that recission was received and accepted by XXXX. Initially began canceling in XXXX continuing to escalate since. Everything must be resolved within 20days according to cancelation laws. Missing TIL, TITLE insurance policy, purchase agreement, 2copies of right to cancel, Good Faith Estimate, etc... I signed cancelation however, this isn't new information for CFPB. \nThis continues to negatively impact my credit and score due to debt being on Chase XXXX XXXX credit card and different information being provided to each bureau for many accounts","date_sent_to_company":"2024-12-07T06:46:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30126","tags":null,"has_narrative":true,"complaint_id":"11068693","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-07T06:46:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>Missing</em> TIL, TITLE insurance policy, purchase agreement, 2copies of right to cancel, Good Faith Estimate, etc... I signed cancelation however, this isn't new information for CFPB. \nThis continues to negatively impact my <em>credit</em> and score due to debt being on Chase XXXX XXXX <em>credit</em> <em>card</em> and different information being provided to each bureau for many <em>accounts</em>"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.695479,"11068693"]},{"_index":"complaint-public-v1","_id":"4913919","_score":13.491967,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have had multiple credit cards at Bank of America for years. At this time, I have four credit card accounts with BofA. \n\nI have not been able to make payments to any of these credit cards from my XXXX XXXX checking account using the Bank of America web site. \n\nI have called both banks. They each say the problem is on the other bank 's side. I believe the issue is with BofA, however, since I can make payments to the BofA credit cards using the XXXX XXXX web site, but not using the BofA web site. \n\nThis is especially inconvenient for me. I pay my credit cards in full every month. The monthly amount is variable, dependent on actual charges. I would like to setup autopay from the Bank of America side, and have the bill automatically withdrawn from my XXXX checking account. However, I'm not able to do that due to this issue. I am forced to make manual payments using the XXXX XXXX web site instead. \n\nIn order to avoid missing a payment, I have had to set my bill preferences for all 4 BofA credit cards to paper instead of electronic, as an email bill notification is easy to miss. Paper bills are not good for the environment, and cost BofA money, as well. \n\nFrom what I have gathered, it appears that BofA has blacklisted the routing number for XXXX XXXX, which is XXXX, in their credit card online payment system. No disclosure is made of this blacklisting in any of the BofA disclosures for any of my 4 credit card accounts. I believe I should be able to pay my credit cards using any of my external accounts, including XXXX XXXX, using the Bank of America web site.","date_sent_to_company":"2021-11-15T22:07:40.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"95127","tags":null,"has_narrative":true,"complaint_id":"4913919","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-11-15T21:58:27.000Z","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 during payment process"},"highlight":{"complaint_what_happened":["No <em>disclosure</em> is made of this blacklisting in any of the BofA <em>disclosures</em> for any of my 4 <em>credit</em> <em>card</em> <em>accounts</em>. I believe I should be able to pay my <em>credit</em> cards using any of my external <em>accounts</em>, including XXXX XXXX, using the Bank of America web site."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[13.491967,"4913919"]},{"_index":"complaint-public-v1","_id":"15562985","_score":13.09681,"_source":{"product":"Checking or savings account","complaint_what_happened":"In early XXXX, I used my PNC debit card for a hotel deposit. I have a receipt from the hotel showing my card was charged, and the funds were debited from my account immediately. However, the transaction never appeared on my statement not as pending and not as posted. When the hotel released the deposit, the funds were never returned. I reported this to PNC and sent them the receipt, but they failed to investigate or credit my account. \n\nLater in XXXX, I withdrew {$500.00} from my account. My official PNC receipt, printed at the ATM, showed that after the withdrawal my balance was {$100.00} positive. The very next day, PNC claimed that at the time of the withdrawal my account had actually been {$560.00}, and after the {$500.00} withdrawal it became {$1000.00}. To cover this, PNC removed over {$1000.00} from my other PNC account through overdraft protection. \n\nThis explanation makes no sense. Every time I swipe my card, PNC immediately deducts the amount from my available balance. If they are already deducting funds when pending, they can not deduct them again when the transaction posts. My receipt proves that at the time of the withdrawal, PNCs own system recognized a positive balance of {$100.00}. If I had truly been negative {$560.00}, the system should not have approved a {$500.00} withdrawal or printed a receipt showing a positive balance. \n\nPNCs actions show a pattern of mishandling funds : first with the missing hotel deposit that was never refunded, and now with the double-counting of pending vs. posted transactions to justify taking over {$1000.00} from my other account. I request that the CFPB investigate, require PNC to return both the missing hotel deposit and the XXXX XXXX transfer, reverse all related fees, and ensure PNC stops providing misleading balance disclosures to customers.","date_sent_to_company":"2025-08-28T00:29:10.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75081","tags":null,"has_narrative":true,"complaint_id":"15562985","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2025-08-28T00:07:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["In early XXXX, I used my PNC debit <em>card</em> for a hotel deposit. I have a receipt from the hotel showing my <em>card</em> was charged, and the funds were debited from my <em>account</em> immediately. However, the transaction never appeared on my statement not as pending and not as posted. When the hotel released the deposit, the funds were never returned. I reported this to PNC and sent them the receipt, but they failed to investigate or <em>credit</em> my <em>account</em>. \n\nLater in XXXX, I withdrew {$500.00} from my <em>account</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.09681,"15562985"]},{"_index":"complaint-public-v1","_id":"11131827","_score":12.973194,"_source":{"product":"Credit card","complaint_what_happened":"I was approved for the XXXX XXXX XXXX on XX/XX/XXXX I received it on XXXX the XXXX in the mail upon looking at the card and trying to contact someone about questions I have I noticed that there was no way to contact anyone unless you activated the card no matter what number you call you have to enter your card number then activate it so I sent an email on XX/XX/XXXX at XXXX making it clear I don't want this card and to remove the inquiry from my credit. I receive a statement from them on XX/XX/XXXX via email saying I owe them {$75.00} for the annual fee and they opened accounts on my credit. I tried to get someone on the phone XX/XX/XXXX after being transferred outside the bank to the lost department she was able to get a live person on the phone from the credit card department I explained to her what I just said and that I have not activated this card she said it doesn't matter I will still owe {$75.00} and it will be charged to the account she also said if I closed the account I would still be billed $ XXXXIf a consumer applies for a CC and they are approved if they are going to be charged {$75.00} just for being approved that should clearly be stated before a consumer applies for this card this an Unfair and Deceptive Acts and Practices also the fact that a consumer is forced to activate the card before they can speak to anyone is also an UDAP. Consumers can not be forced to do business with a creditor just for being approved and consumers need to be made aware with no deception about anything that they are going to be charged for. The fact that a consumer can apply for a card get approved decides he does not like the credit limit or the fact that the card is a mobile app card and the not being able to get anyone on the phone about this issue the fact that that would cost me {$75.00} is ridicules at the point you are approved there is no way to get out of this and you owe them there has to be a warning for consumers before applying or has to be stated clearly upfront. this is a UDAP. As you can see, I clearly complained about the {$75.00} fee that I am being charged just for applying for the card I clearly complained about the not disclosing this Unfair and Deceptive Act before a consumer applies. Again they have not responded to the XXXX  complaint however they did send me an email on XX/XX/XXXX and this is a copy of what it said. \n\n\nView in browser XXXX XXXX Your account ending in XXXX Log in Dear XXXX, As part of our account review procedures, we noticed that the Credit Card Agreement provided to you at the time you opened your credit card account was missing certain disclosures. Specifically, disclosures explaining that your available credit will be reduced by the amount of your Annual Fee. We have added these disclosures to the Account Opening Table of your Credit Card Agreement. Please review the updated Credit Card Agreement link, and contact us if you have any questions. \n\nThank you for being a XXXX customer. \n\nSincerely, The OneMain Financial XXXX team Clearly, I'm being ignored they won't remove this account and now they are attempting to damage my credit with this balance Disclosers are required for a reason please remove this account from my report I am seeing legal advice. I only applied for this card and was approved","date_sent_to_company":"2024-12-12T20:50:22.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"11131827","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2024-12-12T20:18:55.000Z","state":"GA","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["View in browser XXXX XXXX Your <em>account</em> ending in XXXX Log in Dear XXXX, As part of our <em>account</em> review procedures, we noticed that the <em>Credit</em> <em>Card</em> Agreement provided to you at the time you opened your <em>credit</em> <em>card</em> <em>account</em> was <em>missing</em> certain <em>disclosures</em>. Specifically, <em>disclosures</em> explaining that your available <em>credit</em> will be reduced by the amount of your Annual Fee. We have added these <em>disclosures</em> to the <em>Account</em> Opening Table of your <em>Credit</em> <em>Card</em> Agreement."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Closing your <em>account</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't close your <em>account</em>"]},"sort":[12.973194,"11131827"]},{"_index":"complaint-public-v1","_id":"15476485","_score":12.808816,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/2025, Chase failed to issue me a required monthly credit card statement for my Sapphire Preferred account ending in XXXX. Despite receiving email notifications that a statement was available, no actual statement was accessible. \n\nAs a result, I had no visibility into my billing, accrued plan fees, or interest charges for that month. I did not skip payments irresponsibly I made a substantial payment of {$6100.00} on XX/XX/2025, which Chase confirmed was received and credited. However, this payment was not properly applied against a XXXX statement, and Chase instead carried balances and fees forward. \n\nChase representatives later claimed the XX/XX/2025 statement was not generated due to a due date change, yet I never requested such a change. Their own email communications show conflicting explanations. To this day, no XX/XX/2025 statement has been provided despite multiple secure messages and documentation requests. \n\nThis lack of documentation has led to undisclosed interest charges and plan fees that I can not verify or dispute. I consider this a violation of my right to accurate billing and transparent disclosures under federal law.Chase claims my XX/XX/2025 billing statement was not generated because of a change to my billing cycle. I never authorized such a change, nor did I receive any correspondence, notice, or confirmation of this action. My account documents, branch notices, and statement archives confirm no such notice exists. \n\nAdditionally, Chases system sent me an email on XX/XX/2025, confirming a XXXX statement, but no email or notification was ever provided for XXXX. Despite this, I made a payment of {$6100.00} on XX/XX/2025, but Chase can not produce a XXXX statement showing this payment applied. \n\nThis creates missing documentation, unexplained interest/fees, and contradicting explanations from Chase. I request CFPB require Chase to produce the missing XXXX statement, provide proof of when and how my billing cycle was allegedly changed, and remove all interest/fees assessed during this period since they were charged without proper disclosure.","date_sent_to_company":"2025-08-23T20:20:48.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"15476485","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-23T19:23:35.000Z","state":"NJ","company_public_response":null,"sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["In XX/XX/2025, Chase failed to issue me a required monthly <em>credit</em> <em>card</em> statement for my Sapphire Preferred <em>account</em> ending in XXXX. Despite receiving email notifications that a statement was available, no actual statement was accessible. \n\nAs a result, I had no visibility into my billing, accrued plan fees, or interest charges for that month. I did not skip payments irresponsibly I made a substantial payment of {$6100.00} on XX/XX/2025, which Chase confirmed was received and <em>credited</em>."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[12.808816,"15476485"]},{"_index":"complaint-public-v1","_id":"9324261","_score":12.269641,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Dispute of Inaccurate Disclosure under Truth in Lending Act ( TILA ) Account Name : XXXX XXXX  Account Number : XXXX I am writing to formally dispute inaccurate and incomplete information reported on my credit file under the Truth in Lending Act ( TILA ). The account referenced above has several discrepancies and missing disclosures that violate TILA requirements. \n\nSpecific Issues Identified : 1. Inaccurate Reporting of Terms : The credit card terms, such as the APR and payment terms, are not reported, which violates the TILA requirement for clear disclosure.\n\n2. Discrepancy in High Balance vs. Credit Limit : The reported high balance of {$9600.00} exceeds the stated credit limit of {$9500.00}, which is unclear and possibly incorrect. \n\n3. Inconsistent Status Dates : The status date is listed as XX/XX/XXXX, while the account continues to show charge-offs through XX/XX/XXXX. This inconsistency needs to be corrected to reflect the most recent status accurately. \n\n4. Omitted Payment Information : The monthly payment history lacks reported payment amounts and dates, particularly between XX/XX/XXXX and XX/XX/XXXX, violating the transparency requirement under TILA.\n\nThese issues are in direct violation of the FCRA, specifically : Section 1681e ( b ) : \" Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' And Section 1681i ( a ) : \" If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer... the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' Enclosed with this dispute a copy of the section of my credit report highlighting the disputed items as a document to support my dispute.","date_sent_to_company":"2024-06-22T16:25:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"03103","tags":null,"has_narrative":true,"complaint_id":"9324261","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-22T16:25:51.000Z","state":"NH","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":["Re : Dispute of Inaccurate <em>Disclosure</em> under Truth in Lending Act ( TILA ) <em>Account</em> Name : XXXX XXXX  <em>Account</em> Number : XXXX I am writing to formally dispute inaccurate and incomplete information reported on my <em>credit</em> file under the Truth in Lending Act ( TILA ). The <em>account</em> referenced above has several discrepancies and <em>missing</em> <em>disclosures</em> that violate TILA requirements. \n\nSpecific Issues Identified : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[12.269641,"9324261"]},{"_index":"complaint-public-v1","_id":"13921795","_score":12.166943,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/XXXX, I made a single purchase of {$54.00} at Kohls using my credit card ending in XXXX. Since then, I have been charged excessive late fees and interest each monthdespite the small original balance. Between XXXX and XX/XX/XXXX, I was charged late fees ranging from {$29.00} to {$40.00} per month, plus interest. These charges have totaled over {$100.00}, more than double the original purchase. \n\nIn XX/XX/XXXX, I made a payment of {$61.00} toward the balance, yet the account continued to accrue additional late fees and interest. I believe this is unfair, especially considering Ive already paid more than the original purchase amount. \n\nI acknowledge that a payment may have been delayed, but the repeated high fees seem disproportionate and potentially in violation of the CARD Acts requirement that late fees be reasonable and proportional. There was no clear breakdown of the minimum amount due or adequate notice of the consequences for missing it. \n\nI contacted the issuer to resolve this and request that the excessive fees be reversed, but I have not received any assistance. I am asking for a full refund of the late fees and for the CFPB to review whether this issuer is complying with applicable fee regulations and disclosure requirements.","date_sent_to_company":"2025-06-05T14:59:57.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"33021","tags":null,"has_narrative":true,"complaint_id":"13921795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-05T14:47:49.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["There was no clear breakdown of the minimum amount due or adequate notice of the consequences for <em>missing</em> it. \n\nI contacted the issuer to resolve this and request that the excessive fees be reversed, but I have not received any assistance. I am asking for a full refund of the late fees and for the CFPB to review whether this issuer is complying with applicable fee regulations and <em>disclosure</em> requirements."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[12.166943,"13921795"]},{"_index":"complaint-public-v1","_id":"6441718","_score":11.965186,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Under section 611of the FCRA, in general, if after a reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must : 1. Promptly delete that item of information from the file of the consumer or modify that item of information to reflect the results of the reinvestigation ; and 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the customer 's file.\n\nSuppose any information is deleted from a consumers file. In that case, it may not be reinserted in the file by the consumer reporting agency unless the person who furnis\nhes the information certifies that the data is complete and accurate.\n\nThe below information was sent out to the three credit reporting agencies, Equifax, XXXX, and XXXX. However, the data is still misreported. \n\nI looked at a copy of my credit report and noticed I had a few accounts I wanted more information on. I am not sure if they are reporting right or wrong, I just want everything to be 100 % correct on my report. I found something called the Fair Credit Reporting Act, whereby law I have the right to challenge anything I am not sure of on my report. \n\nDo you know of 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. I would like you to investigate these accounts and if they aren't 100 percent correct and right, they need to be deleted. \n\nPlease check on these and get back to me within 30 days to complete the investigation. Below are the following accounts I would like you to investigate and remove if anything is missing or incorrect. \n\nCharge off XXXX XXXX XXXX Please investigate this account! And provide me with the following : Pay off disclosure. \nInterest rate disclosure Balance history Payment history Credit Insurance I know if it is not reporting correctly, this needs to be deleted from my report. Thank you. \n\nCharge off XXXX store card XXXX Please investigate this account! And provide me with the following : Pay off disclosure. \nInterest rate disclosure Balance history Payment history Credit Insurance I know it is not reporting correctly because it has been paid in full since XXXX. This needs to be deleted from my report. Thank you. \n\nCharge off XXXX card XXXX Please investigate this account! And provide me with the following : Pay off disclosure. \nInterest rate disclosure Balance history Payment history XXXXredit Insurance I know if it is not reporting correctly, this needs to be deleted from my report. Thank you. \n\nCharge off XXXX XXXX Please investigate this account! And provide me with the following : Pay off disclosure. \nInterest rate disclosure Balance history Payment history Credit Insurance I know it is not reporting correctly because it has been paid in full since XX/XX/XXXX. This needs to be deleted from my report. Thank you. \n\nCharge off XXXX XXXX Please investigate this account! I know it is not reporting correctly because it has been paid in full as of XX/XX/XXXX. This needs to be deleted from my report. Thank you. \n\nI also read where I can get the updated report after you investigate this within 30 days. Could you please send it to me ( my address is below )? Also, please let me know who had access to my file as well. I appreciate your help in this matter. \n\nThank you, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX // Birthday XX/XX/XXXX","date_sent_to_company":"2023-01-14T16:08:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"318XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6441718","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-14T16:08:07.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["And provide me with the following : Pay off <em>disclosure</em>. \nInterest rate <em>disclosure</em> Balance history Payment history <em>Credit</em> Insurance I know if it is not reporting correctly, this needs to be deleted from my report. Thank you. \n\nCharge off XXXX store <em>card</em> XXXX Please investigate this <em>account</em>! And provide me with the following : Pay off <em>disclosure</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[11.965186,"6441718"]},{"_index":"complaint-public-v1","_id":"17960224","_score":11.907089,"_source":{"product":"Credit card","complaint_what_happened":"I used the Synchrony CareCredit card to finance necessary XXXXXXXX XXXX XXXX The clinic staff assured me the promotion was a 0 % interest offer. Relying on this oral representation for a medical procedure, I immediately set up automatic monthly payments, intending to pay off the debt quickly. If I had known the true retroactive nature of the interest, I would have paid the full amount immediately to avoid risk. \n\nDespite my diligence, the bank failed at every turn to provide conspicuous disclosure. \n\nI never received physical mail or warnings because my account address was missing my apartment number. \n\nI did not access the online statements because I believed the 0 % verbal assurance and had already set up automated payments. There was no clear, timely, or conspicuous disclosure that interest was accruing daily. \n\nI never missed a single monthly payment, demonstrating my consistent good-faith effort. \n\n\nBecause a balance remained at the expiration deadline, the bank retroactively applied interest on the entire original purchase amount. This outcome was financially devastating and completely unexpected. The moment I discovered the interest had been charged, I paid the entire outstanding balance immediately to avoid any further accrual. I am disputing the lump-sum charge o the unexpected interest. \n\nAfter paying the principal balance in full, I attempted internal resolution. A Synchrony Bank representative, via Live Chat, stated they could not \" raise a dispute '' because the account balance was {$0.00} ( I am seeking a refund for the interest amount ). Furthermore, when I requested the formal CareCredit Appeals Claim Form required for disclosure disputes, the representative failed to provide it. This confirms a continued pattern of procedural obstruction and misinformation. \n\nI urge the CFPB to review this issue in light of the Consent Order Dockets XXXX and XXXX, as this experience clearly perpetuates the deceptive practices previously identified regarding deferred interest promotions. \n\nI request a full and immediate refund of the entire retroactive interest charge.","date_sent_to_company":"2025-11-26T19:10:43.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"78660","tags":null,"has_narrative":true,"complaint_id":"17960224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-11-26T18:43:55.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Despite my diligence, the bank failed at every turn to provide conspicuous <em>disclosure</em>. \n\nI never received physical mail or warnings because my <em>account</em> address was <em>missing</em> my apartment number. \n\nI did not access the online statements because I believed the 0 % verbal assurance and had already set up automated payments. There was no clear, timely, or conspicuous <em>disclosure</em> that interest was accruing daily."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Confusing or misleading advertising about the <em>credit</em> <em>card</em>"]},"sort":[11.907089,"17960224"]},{"_index":"complaint-public-v1","_id":"16794221","_score":11.887536,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened an Amex HYSA on XX/XX/XXXX and was offered a {$350.00} bonus for depositing $ XXXX within 30 days ( by XXXX ), with funds to be maintained for 60 days. I deposited {$25000.00} by XX/XX/XXXX ( transactions : {$13000.00} and {$1600.00} on XXXX ; {$900.00} and {$3500.00} on XX/XX/XXXX ), and no withdrawals occurred until XX/XX/XXXX. Per Amexs FAQ, ACH transfers clear in XXXX business days, so funds shouldve been available by XX/XX/XXXX. I was told the bonus would post in XXXX weeks, but after 4 months ( XX/XX/XXXX ), I was denied because the balance was not met by XX/XX/XXXX. This early checkpoint wasnt disclosed, contradicting the XXXX window. Ive called and chatted, requesting clarification, and received only the vague XX/XX/XXXX excuse. This feels like a missing disclosure, and I seek the {$350.00} bonus or a detailed written explanation. Im closing all Amex accounts ( checking, savings, credit card ) due to this issue.","date_sent_to_company":"2025-10-24T23:11:38.000Z","issue":"Opening an account","sub_product":"Savings account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"16794221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-10-24T23:01:18.000Z","state":"AR","company_public_response":null,"sub_issue":"Confusing or missing disclosures"},"highlight":{"complaint_what_happened":["This feels like a <em>missing</em> <em>disclosure</em>, and I seek the {$350.00} bonus or a detailed written explanation. Im closing all Amex <em>accounts</em> ( checking, savings, <em>credit</em> <em>card</em> ) due to this issue."],"product":["Checking or savings <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["Savings <em>account</em>"],"sub_issue":["Confusing or <em>missing</em> <em>disclosures</em>"]},"sort":[11.887536,"16794221"]},{"_index":"complaint-public-v1","_id":"6438370","_score":11.30606,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Under section 611of the FCRA, in general, if after a reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must : 1. Promptly delete that item of information from the file of the consumer or modify that item of information to reflect the results of the reinvestigation ; and 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the customer 's file.\n\nSuppose any information is deleted from a consumers file. In that case, it may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the data is complete and accurate.\n\nThe below information was sent out to the three credit reporting agencies, XXXX, XXXX, and Experian. However, the data is still misreported. \n\nI looked at a copy of my credit report and noticed I had a few accounts I wanted more information on. I am not sure if they are reporting right or wrong, I just want everything to be 100 % correct on my report. I found something called the Fair Credit Reporting Act, whereby law I have the right to challenge anything I am not sure of on my report. \n\nDo you know of 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. I would like you to investigate these accounts and if they aren't 100 percent correct and right, they need to be deleted. \n\nPlease check on these and get back to me within 30 days to complete the investigation. Below are the following accounts I would like you to investigate and remove if anything is missing or incorrect. \n\nCharge off XXXX XXXX XXXX Please investigate this account! And provide me with the following : Pay off disclosure. \nInterest rate disclosure Balance history Payment history Credit Insurance I know if it is not reporting correctly, this needs to be deleted from my report. Thank you. \n\nCharge off XXXX store card XXXX Please investigate this account! And provide me with the following : Pay off disclosure. \nInterest rate disclosure Balance history Payment history Credit Insurance I know it is not reporting correctly because it has been paid in full since XXXX. This needs to be deleted from my report. Thank you. \n\nCharge off XXXX XXXX XXXX Please investigate this account! And provide me with the following : Pay off disclosure. \nInterest rate disclosure Balance history Payment history Credit Insurance I know if it is not reporting correctly, this needs to be deleted from my report. Thank you. \n\nCharge off XXXX XXXX Please investigate this account! And provide me with the following : Pay off disclosure. \nInterest rate disclosure Balance history Payment history Credit Insurance I know it is not reporting correctly because it has been paid in full since XX/XX/XXXX. This needs to be deleted from my report. Thank you. \n\nCharge off XXXX XXXX Please investigate this account! I know it is not reporting correctly because it has been paid in full as of XX/XX/XXXX. This needs to be deleted from my report. Thank you. \n\nI also read where I can get the updated report after you investigate this within 30 days. Could you please send it to me ( my address is below )? Also, please let me know who had access to my file as well. I appreciate your help in this matter. \n\nThank you, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA, XXXX XXXX // Birthday XX/XX/XXXX","date_sent_to_company":"2023-01-14T16:08:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"318XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6438370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-14T16:08:07.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["And provide me with the following : Pay off <em>disclosure</em>. \nInterest rate <em>disclosure</em> Balance history Payment history <em>Credit</em> Insurance I know if it is not reporting correctly, this needs to be deleted from my report. Thank you. \n\nCharge off XXXX store <em>card</em> XXXX Please investigate this <em>account</em>! And provide me with the following : Pay off <em>disclosure</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[11.30606,"6438370"]},{"_index":"complaint-public-v1","_id":"17314323","_score":11.206971,"_source":{"product":"Debt collection","complaint_what_happened":"Experian / XXXX  / XXXX  Re : Request for Deletion of Inaccurate, Fraudulent, and Non-Compliant Accounts Under FCRA 602, 607 ( b ), 609, 611, 623 ; TILA Violations ; and Impermissible Charge-Off & Delinquency Reporting To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and legality of the information you are reporting on my consumer file. The following accounts contain multiple factual inaccuracies, reporting contradictions, improper delinquency coding, TILA disclosure issues, and violations under the FCRA. Because these accounts are being furnished unlawfully and inaccurately, I am requesting immediate removal from my Experian, XXXX, and XXXX  credit files. \n\nACCOUNTS TO BE DELETED 1. XXXX XXXX XXXX XXXX XXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Status : 1 Late Payment ( Inaccurate ) Dispute Reasons Payment history shows only XX/XX/XXXX, but the account is being coded as having a late payment despite inconsistencies in reporting months. \n\n\nDates of last payment ( XX/XX/XXXX ) conflict with reported delinquency. \n\n\nViolates FCRA 607 ( b ) information must be complete and accurate.\n\nCreditor failed to provide required TILA disclosures for repayment terms despite reporting as a 72-month installment.\n\nRequested Action : Delete the account from my credit file for inaccurate and unverifiable reporting. \n\n2. XXXX XXXX XXXX XXXX  Closed Credit Card Acct : XXXX Status : 1 Late Payment / Closed by Grantor Dispute Reasons Inconsistent reporting : status updated XX/XX/XXXX, but late payment reported XX/XX/XXXX despite no activity. \n\n\nAccount reported as previously in dispute, which legally requires enhanced reinvestigation, yet inaccurate data remains violation of FCRA 611 ( a ). \n\n\nPayment history shows months marked XXXX, which is not a valid delinquency or payment indicator. \n\n\nCreditor failed to supply proper TILA disclosures for revolving terms. \n\n\nRequested Action : Permanent deletion from my credit file. \n\n3. XXXX XXXX XXXX  Charged Off Credit Card Acct : XXXX Status : Charge-Off / 9 Negative Months Dispute Reasons Payment history shows multiple incorrect and duplicate delinquencies ( 30, 60, 90, CO ) that do not align with actual activity. \n\n\nReport lists the last payment in XX/XX/XXXX, yet delinquency coding begins much earlier impossible timeline. \n\n\nBalance, past due amount, and charge-off amount are all listed as the same, violating FCRA 623 ( a ) ( 1 ) ( A ) for accuracy.\n\nFailure to provide evidence of TILA-required disclosures and account terms.\n\nAccount closed by credit grantor conflicts with the charge-off coding.\n\nRequested Action : Full deletion from the file. \n\n4. XXXX XXXX Charge-Off Acct : XXXX Status : Charge-Off / 12 Negative Months Dispute Reasons Timeline of delinquencies ( CO each month ) is not possible and not supported by payment history data.\n\nHighest balance not reported incomplete data violates FCRA 607 ( b ).\n\nPast due amount and balance inconsistencies.\n\nMissing TILA disclosures required for open account credit arrangements.\n\nNo documentation verifying the debt as required under FCRA 609 ( a ) ( 1 ).\n\nRequested Action : Delete immediately for unverifiable and inaccurate reporting.\n\n5. XXXX XXXX XXXX XXXX XXXX Revolving Account ( Closed ) Acct : XXXX Status : Charge-Off / 4 Late Payments Dispute Reasons Same erratic delinquency pattern as the other First Tech account, signifying systemic reporting errors.\n\nPast due, current balance, and charged-off amount all appear simultaneously not permissible under FCRA guidelines .\n\nDates conflict with the last payment of XX/XX/XXXX. \n\n\nTILA terms missing for revolving credit. \n\n\nRequested Action : Remove due to inconsistent, inaccurate reporting in violation of FCRA 602A, 623 ( a ).\n\n6. XXXX XXXX / XXXX XXXX Collection Account Acct : XXXX Status : Collection Dispute Reasons Account shows 0 % paid off but balance is still reported as owed, contradicting payment timeline history. \n\n\nStatus and comments conflict ( Collection vs. no delinquency coding ).\n\nCreditor failed to validate debt under FCRA 609 & FDCPA 809 ( b ). \n\n\nAccount opened in XXXX yet shows historical months ( Cs ) inconsistent with actual activity.\n\nRequested Action : Delete immediately. Data is unverifiable and inaccurate.\n\n7. XXXX XXXX XXXX  Revolving Account ( Open TransUnion ) Acct : XXXX Status : 120 Days Past Due Dispute Reasons Duplicate account reporting under different bureau versions double jeopardy reporting violation. \n\n\nPayment history conflicts with last payment date ( XX/XX/XXXX ). \n\n\nCredit limit vs. balance exceeds allowable reporting limits under TILA.\n\nInconsistent late-payment coding ( 30, 60, 90 ) across the same months.\n\nRequested Action : Delete due to inaccurate and duplicative reporting.","date_sent_to_company":"2025-11-18T00:39:27.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"89141","tags":null,"has_narrative":true,"complaint_id":"17314323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-18T00:28:02.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Missing</em> TILA <em>disclosures</em> required for open <em>account</em> <em>credit</em> arrangements.\n\nNo documentation verifying the debt as required under FCRA 609 ( a ) ( 1 ).\n\nRequested Action : Delete immediately for unverifiable and inaccurate reporting.\n\n5. XXXX XXXX XXXX XXXX XXXX Revolving <em>Account</em> ( Closed ) Acct : XXXX Status : Charge-Off / 4 Late Payments Dispute Reasons Same erratic delinquency pattern as the other First Tech <em>account</em>, signifying systemic reporting errors."]},"sort":[11.206971,"17314323"]},{"_index":"complaint-public-v1","_id":"11860984","_score":11.053677,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX CRIMINAL USE OF CAPITAL ONE BANK FOR XXXX XXXX PRECURSOR FINANCIAL XXXX CRIMES VIA CAPITAL ONE BANK VIOLATIONS OF TILA TRANSPARENCY LAWS, CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE (CARD) ACT, FDCP, FCRA,  AND MORE, POSTED AT: \nXXXX XXXX XXXX XXXX XXXX XXXX REGIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRECURSOR CRIMES, VIA REPLICATED FINANCIAL/CREDIT XXXX PROGRAMMING VIA CRIMINAL USE OF BANKS TO VIOLATE THE  XXXX XXXX VICTIMS PROTECTION ACT  22 U.S.C.  7102), SECTION 1:\n(1)ABUSE OR THREATENED ABUSE OF LAW OR LEGAL PROCESS. THE TERM ABUSE OR THREATENED ABUSE OF THE LEGAL PROCESS MEANS THE USE OR THREATENED USE OF A LAW OR LEGAL PROCESS, WHETHER ADMINISTRATIVE, CIVIL, OR CRIMINAL, IN ANY MANNER OR FOR ANY PURPOSE FOR WHICH THE LAW WAS NOT DESIGNED, IN ORDER TO EXERT PRESSURE ON ANOTHER PERSON TO CAUSE THAT PERSON TO TAKE SOME ACTION OR REFRAIN FROM TAKING SOME ACTION.\n\nREGIONAL XXXX XXXX XXXX  REPEATED PROGRAMMED AND PAID FOR USE OF BANKING AND CONSUMER PROTECTION TRANSPARENCY AND VALIDATION LAWS IN A MANNER THE LAW DID NOT INTEND. CAPITAL ONE CREDIT CARD ENDING IN  XXXX, ATTACHED ERRONEOUS CAPITAL ONE CREDIT CARD TRANSACTION RECORD, WITH NO PENDING TRANSACTIONS NOTED, WHILE XXXX IS MISSING FROM THE CREDIT CARD ACCOUNT WITH NOTHING IN WRITING.  THE PHONE AGENTS ALLEGE MONEY HAS BEEN LAWLESSLY TAKEN OUT OF THE BALANCE FOR A PREPAID XXXX XXXX XXXX, AND WAS TAKEN OUT OF THE AVAILABLE CREDIT AS AN ASSUMED  XXXX XXXX XXXXXXXX  SECURITY DEPOSIT WITH NOTHING IN WRITING.  THE XXXX XXXX XXXX $250.00 SECURITY HOLD WAS AND IS  SUPPOSED TO BE IN WRITING AND  WAS SUPPOSED TO BE TAKEN OUT OF THE AVAILABLE CREDIT ONLY, NOT THE BALANCE.  \nTHESE LAWLESS CREDIT CARD ACTS OBSTRUCT CREDIT CARD TRANSPARENCY AND VALIDATION LAWS AND USE BANK LAWS IN A MANNER NOT INTENDED. THE CAPITAL ONE BANKING AGENTS HAVE ADMINISTERED, AN ABUSE OF THE BANKING PROCESS, SPECIFICALLY, THEY HAVE USED BANKING LAWS IN A MANNER NOT INTENDED  AND IN DOING SO HAVE VIOLATED THE TRUTH IN LENDING ACT (TILA), AS IMPLEMENTED BY REGULATION Z, SPECIFICALLY, THE BANKS NOT IN WRITING BUDGET $250.00 SECURITY HOLD, LAWLESS NO PENDING TRANSACTION PUBLISHING, AND DOUBLE DIPPING THEFT OF THE $250.00 OUT OF THE BALANCE, WHILE THE RENTAL WAS PREPAID, IS CRIMINAL AND VIOLATES PROVISIONS THAT REQUIRE TRANSPARENCY IN CREDIT CARD TRANSACTIONS. SPECIFICALLY, SECTION 1026.9(C) OF REGULATION Z.","date_sent_to_company":"2025-01-30T13:25:57.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"10467","tags":null,"has_narrative":true,"complaint_id":"11860984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-30T12:51:16.000Z","state":"NY","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["CAPITAL ONE <em>CREDIT</em> <em>CARD</em> ENDING IN  XXXX, ATTACHED ERRONEOUS CAPITAL ONE <em>CREDIT</em> <em>CARD</em> TRANSACTION RECORD, WITH NO PENDING TRANSACTIONS NOTED, WHILE XXXX IS <em>MISSING</em> FROM THE <em>CREDIT</em> <em>CARD</em> <em>ACCOUNT</em> WITH NOTHING IN WRITING.  THE PHONE AGENTS ALLEGE MONEY HAS BEEN LAWLESSLY TAKEN OUT OF THE BALANCE FOR A PREPAID XXXX XXXX XXXX, AND WAS TAKEN OUT OF THE AVAILABLE <em>CREDIT</em> AS AN ASSUMED  XXXX XXXX XXXXXXXX  SECURITY DEPOSIT WITH NOTHING IN WRITING."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Trouble using your <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't use <em>card</em> to make purchases"]},"sort":[11.053677,"11860984"]},{"_index":"complaint-public-v1","_id":"8067731","_score":11.043532,"_source":{"product":"Credit card","complaint_what_happened":"I communicated to American Express National Bank directly to there PO Address communicated directly to their corporate inbox. I first communicated with them on XXXX of XXXX and they have yet to respond. \n\nAs the original cardholder and holder in due course, I exercised my right to initiate a consumer credit transactions with American Express National Bank to open a credit account. According to federal law ( 15 USC Section 1602 ), a \" credit card '' includes any device used to obtain credit, which I have granted your corporation. I am well aware of my rights as a consumer, and credit is a right granted by me, the creditor ( 15 USC Section 1602 ( f ) ). They denied my application, my right to extend credit, and discriminated against me. Additionally, reporting to consumer reporting agencies is voluntary, and I did not receive proper information to opt out. Additionally, I have not received any benefits from the use of my credit. The denial of my right to extend credit has caused me severe financial, discrimination, emotional, and mental distress. Also, I was deprived from my disclosure rights not to allow my personal information to be shared with the public and with 3rd party credit reporting agencies. The only credit bureau that exist is the CFPB. \nThere are no federal laws that empower a credit score, missing credit bureau information, age of account, or the bank to deny me my right to extend credit ( 15 USC Section 1691 ). Discrimination against an applicant in a credit transaction is unlawful ( 15 USC Section 1691 ).","date_sent_to_company":"2023-12-27T23:13:11.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"97338","tags":null,"has_narrative":true,"complaint_id":"8067731","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-12-27T23:03:54.000Z","state":"OR","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Also, I was deprived from my <em>disclosure</em> rights not to allow my personal information to be shared with the public and with 3rd party <em>credit</em> reporting agencies. The only <em>credit</em> bureau that exist is the CFPB. \nThere are no federal laws that empower a <em>credit</em> score, <em>missing</em> <em>credit</em> bureau information, age of <em>account</em>, or the bank to deny me my right to extend <em>credit</em> ( 15 USC Section 1691 ). Discrimination against an applicant in a <em>credit</em> transaction is unlawful ( 15 USC Section 1691 )."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[11.043532,"8067731"]},{"_index":"complaint-public-v1","_id":"13100961","_score":10.951383,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im filing a complaint about the Credit Builder account I opened through Credit Karma ( powered by XXXX and XXXX XXXX XXXX  ). I opened the account in XX/XX/year>, but changed my mind and withdrew {$20.00} soon after. I also turned off AutoPay and assumed the account would be closed or paused like other credit builder programs ( e.g., XXXX, XXXX ). \n\nI never received proper notice or warning about payment due dates. The only email I received said to make a contribution to continuebut didnt clearly explain that missing a contribution would result in a delinquency reported as a credit card. I was shocked to find out on XX/XX/year>, that my credit score dropped XXXX points ( XXXX to XXXX ) due to XXXX backdated late payments on this account. \n\nI was never told it would report like a credit card. I never received clear billing alerts. I didnt know it would damage my credit over {$10.00} per month, especially since I withdrew funds and thought it was closed. Then I got an email saying the account was closed for inactivitybut only after they reported me late. \n\nI called Credit Karma on XX/XX/year>, and they told me they couldnt do anything and refused a goodwill correction. This is extremely misleading and has caused unfair harm to my credit. \n\nAdditionally, a loan XXXX confirmed that it was reported as a credit card, which is inaccurate. I never had a credit card with Credit Karmajust a money account. \n\nIm requesting the CFPB intervene to have : Both late payments removed from my credit report Clarification from Credit KarmaXXXX on why this was reported this way Credit Karma held accountable for unclear communication and damage caused by a product marketed as a credit-building tool This situation may also be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which requires that furnishers of information ( like Credit Karma/XXXX  ) provide accurate and complete data to credit bureaus and correct any information that is incomplete or misleading. \n\nReporting XXXX backdated late payments on a misunderstood, inactive credit builder account with no clear disclosures may constitute furnishing inaccurate or misleading information. I am requesting that this be investigated and corrected in accordance with FCRA requirements. \n\nI have documentation of my request to their support team ( Case # XXXX ) and email notifications received after the damage was done.","date_sent_to_company":"2025-04-21T19:34:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30013","tags":"Servicemember","has_narrative":true,"complaint_id":"13100961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2025-04-21T19:17:48.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Additionally, a loan XXXX confirmed that it was reported as a <em>credit</em> <em>card</em>, which is inaccurate. I never had a <em>credit</em> <em>card</em> with <em>Credit</em> Karmajust a money <em>account</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"company":["<em>Credit</em> Karma, LLC"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[10.951383,"13100961"]},{"_index":"complaint-public-v1","_id":"3034608","_score":10.859956,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear CFPB, I contacted PNC Bank last week in regards to a check that I wrote to myself from my XXXX Account. I deposited the check on Monday XX/XX/2018. The disclosure on PNC mobile bank state that funds would be deposited within 2 business day. I waited the 2 business days and no funds were deposited to my PNC checking account. I contacted PNC on Friday XX/XX/XXXX and the representative told me I had a hold on the check and would be deposited to my account on XX/XX/2018. I checked my account today XX/XX/2018 and no funds were deposited. I contacted PNC again in regards to my missing funds and now are telling me because it is a new credit card now the funds are being held until XX/XX/XXXX. I advised the PNC representative that I have written numerous checks payable from myself from my XXXX account and do not understand why the bank is withholding funds that I need to pay a bill with. No one has helped me at all and I feel the bank is taking advantage of me. Without the funds, I can not pay a bill and is negatively impacting me. It is extremely unfair that PNC is withholding funds and keep being changing their reasoning why they won't give me my money, and if anything keep changing the story on their end. It appears to me that they simply want to take advantage of me and the situation. I am writing for assistance from the CFPB to help in this matter.","date_sent_to_company":"2018-10-02T12:28:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"08054","tags":null,"has_narrative":true,"complaint_id":"3034608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2018-10-02T12:15:48.000Z","state":"NJ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I checked my <em>account</em> today XX/XX/2018 and no funds were deposited. I contacted PNC again in regards to my <em>missing</em> funds and now are telling me because it is a new <em>credit</em> <em>card</em> now the funds are being held until XX/XX/XXXX. I advised the PNC representative that I have written numerous checks payable from myself from my XXXX <em>account</em> and do not understand why the bank is withholding funds that I need to pay a bill with. No one has helped me at all and I feel the bank is taking advantage of me."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[10.859956,"3034608"]},{"_index":"complaint-public-v1","_id":"4279520","_score":10.844798,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"i wanted to just add this complaint # XXXX but I couldn't find a way to do it. Capital One closed my XXXX rewards card because they learned I had a criminal record. I already stated before that I think they should have to ask before giving credit or at least have a disclaimer that if certain things are in your record, they will close the account. I mentioned that I thought it was against Ohio law as stated in their paperwork for this very card. Ohio 's anti-discrimination laws say they must provide credit equally to ALL credit worthy persons. My scores are near 800 so I think I'm credit worthy and they must have agreed because they issued a card. Under their \" Additional Disclosures and Term and Conditions, '' there is not one thing there that prohibits me. This is their own paperwork for this very card! I would agree that I can do things after a card is issued that would make me less credit worthy ( missing payments, running up high debt, etc ). None of that happened. Can they point to a single payment I missed? Can they point to a rising credit utilization rate? Can they even tell me how my background supposedly makes me less credit worthy? Since I've been released from prison, my credit score has only risen. Everything I did that they have a problem with happened before they issued the card. The more I look into it, however, I think even a Federal law was broken here. According to the Fair Credit Reporting Act, if they want to background check me, it requires a written authorization. Can they show me where I signed such an authorization? The whole thing was done online and I don't remember there being any mention of signing for a background check. Their paper work does say that I authorize Capital One to check my credit and employment history. I have good credit and I am employed, but I did not give consent to check my background. They never asked for it! The FCRA requires my signature for you to run it. No signature, no right according to federal law to run that check! Show me where I signed for that and show me where you're allowed to do that without my consent.","date_sent_to_company":"2021-04-07T22:35:49.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"43302","tags":null,"has_narrative":true,"complaint_id":"4279520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-04-07T21:26:40.000Z","state":"OH","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["My scores are near 800 so I think I'm <em>credit</em> worthy and they must have agreed because they issued a <em>card</em>. Under their \" Additional <em>Disclosures</em> and Term and Conditions, '' there is not one thing there that prohibits me. This is their own paperwork for this very <em>card</em>! I would agree that I can do things after a <em>card</em> is issued that would make me less <em>credit</em> worthy ( <em>missing</em> payments, running up high debt, etc ). None of that happened. Can they point to a single payment I missed?"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Closing your <em>account</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[10.844798,"4279520"]},{"_index":"complaint-public-v1","_id":"18817195","_score":10.804319,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding an XXXX XXXX medical credit card account issued by Comenity Bank. \n\nAt the time the account was opened through a medical providers office, the financing was presented as a no interest promotional option. Based on the explanation provided, I was under the clear impression that if the balance was not paid in full by the end of the promotional period, interest would begin accruing going forward, not that interest was accruing during the promotional period and would later be applied retroactively. \n\nIt was not verbally explained to me that this was a deferred interest plan where interest accrued in the background and would be added retroactively if the balance was not paid in full by the deadline. I was not informed that missing the payoff deadline by even a small amount would result in a substantial amount of backdated interest being added. \n\nAs a result, a significant amount of interest was later applied retroactively, causing the balance to increase far beyond what I reasonably understood or agreed to at the time the financing was presented. \n\nAt or around the same time, my credit limit was reduced by approximately {$1600.00}, which immediately caused the account to report as over the credit limit, significantly worsening the credit impact. This limit reduction occurred without meaningful warning and compounded the harm caused by the retroactive interest. \n\nThese actions placed significant and unexpected financial and mental stress on my household and caused direct damage to my credit profile. The credit harm associated with this account does not reflect my understanding or intent at the time the financing was agreed to, but rather the result of unclear disclosures, retroactive interest application, and account actions that materially worsened the impact. \n\nI believe these practices constitute unfair and deceptive lending, particularly in the context of medical financing, where consumers rely heavily on clear and accurate explanations of promotional terms.","date_sent_to_company":"2026-01-18T20:03:30.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"33065","tags":null,"has_narrative":true,"complaint_id":"18817195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2026-01-18T19:59:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I am submitting this complaint regarding an XXXX XXXX medical <em>credit</em> <em>card</em> <em>account</em> issued by Comenity Bank. \n\nAt the time the <em>account</em> was opened through a medical providers office, the financing was presented as a no interest promotional option."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Confusing or misleading advertising about the <em>credit</em> <em>card</em>"]},"sort":[10.804319,"18817195"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":225,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":225}]}},"product":{"doc_count":225,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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