{"took":244,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":457,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2972635","_score":16.507183,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On the date of XX/XX/XXXX I moved out of an apartment not oweing anything, in transformation, my name were removed from the least, my cousin remained and now the complex is saying I owe {$1500.00} from XX/XX/XXXX","date_sent_to_company":"2018-07-26T05:00:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"2972635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-07-26T01:00:46.000Z","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":["On the date of XX/XX/XXXX I moved out of an apartment not oweing anything, in <em>transformation</em>, my name were removed from the least, my cousin remained and now the complex is saying I owe {$1500.00} from XX/XX/XXXX"]},"sort":[16.507183,"2972635"]},{"_index":"complaint-public-v1","_id":"2972619","_score":16.507183,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On the date of XX/XX/XXXX I moved out of an apartment not oweing anything, in transformation, my name were removed from the least, my cousin remained and now the complex is saying I owe {$1500.00} from XX/XX/XXXX","date_sent_to_company":"2018-07-26T05:00:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"2972619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-07-26T00:06:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On the date of XX/XX/XXXX I moved out of an apartment not oweing anything, in <em>transformation</em>, my name were removed from the least, my cousin remained and now the complex is saying I owe {$1500.00} from XX/XX/XXXX"]},"sort":[16.507183,"2972619"]},{"_index":"complaint-public-v1","_id":"14612854","_score":14.941605,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am reporting identity theft by Experian, Equifax, and TransUnion. These credit reporting agencies have bought, sold, or shared my personal informationincluding my name, SSN, and credit historyfor monetary gain without my knowledge or consent. This fits the legal definition of identity theft : the unauthorized use of personal identifying information for financial benefit. I never granted permission for my data to be commercialized. These actions violate my privacy rights and constitute unfair and deceptive practices under federal law. I request an immediate investigation, a cease and desist on any further unauthorized use of my data, and disclosure of all entities who have received my information. I am filing this complaint with both the FTC and CFPB and consider this a formal report of identity theft","date_sent_to_company":"2025-07-12T14:19:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46123","tags":null,"has_narrative":true,"complaint_id":"14612854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-12T14:18:47.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I never granted permission for my data to be <em>commercialized</em>. These actions violate my privacy rights and constitute unfair and deceptive practices under federal law. I request an immediate investigation, a cease and desist on any further unauthorized use of my data, and disclosure of all entities who have received my information. I am filing this complaint with both the FTC and CFPB and consider this a formal report of identity theft"]},"sort":[14.941605,"14612854"]},{"_index":"complaint-public-v1","_id":"14612997","_score":14.628966,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am reporting identity theft by Experian, Equifax, and TransUnion. These credit reporting agencies have bought, sold, or shared my personal informationincluding my name, SSN, and credit historyfor monetary gain without my knowledge or consent. This fits the legal definition of identity theft : the unauthorized use of personal identifying information for financial benefit. I never granted permission for my data to be commercialized. These actions violate my privacy rights and constitute unfair and deceptive practices under federal law. I request an immediate investigation, a cease and desist on any further unauthorized use of my data, and disclosure of all entities who have received my information. I am filing this complaint with both the FTC and CFPB and consider this a formal report of identity theft","date_sent_to_company":"2025-07-12T14:19:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46123","tags":null,"has_narrative":true,"complaint_id":"14612997","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-12T13:47:57.000Z","state":"IN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I never granted permission for my data to be <em>commercialized</em>. These actions violate my privacy rights and constitute unfair and deceptive practices under federal law. I request an immediate investigation, a cease and desist on any further unauthorized use of my data, and disclosure of all entities who have received my information. I am filing this complaint with both the FTC and CFPB and consider this a formal report of identity theft"]},"sort":[14.628966,"14612997"]},{"_index":"complaint-public-v1","_id":"14612853","_score":14.628966,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am reporting identity theft by Experian, Equifax, and TransUnion. These credit reporting agencies have bought, sold, or shared my personal informationincluding my name, SSN, and credit historyfor monetary gain without my knowledge or consent. This fits the legal definition of identity theft : the unauthorized use of personal identifying information for financial benefit. I never granted permission for my data to be commercialized. These actions violate my privacy rights and constitute unfair and deceptive practices under federal law. I request an immediate investigation, a cease and desist on any further unauthorized use of my data, and disclosure of all entities who have received my information. I am filing this complaint with both the FTC and CFPB and consider this a formal report of identity theft","date_sent_to_company":"2025-07-12T14:19:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46123","tags":null,"has_narrative":true,"complaint_id":"14612853","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-12T14:18:47.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I never granted permission for my data to be <em>commercialized</em>. These actions violate my privacy rights and constitute unfair and deceptive practices under federal law. I request an immediate investigation, a cease and desist on any further unauthorized use of my data, and disclosure of all entities who have received my information. I am filing this complaint with both the FTC and CFPB and consider this a formal report of identity theft"]},"sort":[14.628966,"14612853"]},{"_index":"complaint-public-v1","_id":"2316611","_score":14.62851,"_source":{"product":"Student loan","complaint_what_happened":"Have some student loans by XXXX now Navient they did did the transformation doing the time I was in a chapterXXXX bankruptcy and it being converted to a XXXX Navient continue to call me wanting me to set up a payment plan and give them my checking account information no way they continue to harness me and now I am getting letters and calls from XXXX requested the same thing set up a payment plan or get garnish was n't told how much my loans was and was n't willing to. Make a deal on the payments or how much they needed up front","date_sent_to_company":"2017-02-02T14:44:53.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"245XX","tags":null,"has_narrative":true,"complaint_id":"2316611","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-01-29T22:25:22.000Z","state":"VA","company_public_response":null,"sub_issue":"Keep getting calls about my loan"},"highlight":{"complaint_what_happened":["Have some student loans by XXXX now Navient they did did the <em>transformation</em> doing the time I was in a chapterXXXX bankruptcy and it being converted to a XXXX Navient continue to call me wanting me to set up a payment plan and give them my checking account information no way they continue to harness me and now I am getting letters and calls from XXXX requested the same thing set up a payment plan or get garnish was n't told how much my loans was and was n't willing to."]},"sort":[14.62851,"2316611"]},{"_index":"complaint-public-v1","_id":"11059919","_score":13.896294,"_source":{"product":"Credit card","complaint_what_happened":"Someone open a credit card under my name at capital one ( Walmart ) with everything matching accept the address I had called multiple times to resolve the issue and also explained to them my situation I also have a complaint filed with the department of Agriculture regarding this issue, and a police report that was filled online. \nI need this issue resolve as soon as possible is COSTING ME AN ISSUE WITH MY NEW MORTGAGE TRYING TO MOVE TO A NEW HOUSE AND HAVING DIFFICULTIES WITH MY CREDIT SCORE DUE TO THIS SITUATION. I also have a XXXX XXXX credit card open under my name as a result of fraud I have reach to them multiple times as well the close my account but still showing on my credit report I would like that removed as well. I will attach the home depot letter stating of the fraud and also a letter of the department of Agriculture.","date_sent_to_company":"2024-12-06T19:31:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Store credit card","zip_code":"53220","tags":null,"has_narrative":true,"complaint_id":"11059919","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-12-06T19:07:56.000Z","state":"WI","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I will attach the home depot letter stating of the fraud and also a letter of the department of <em>Agriculture</em>."]},"sort":[13.896294,"11059919"]},{"_index":"complaint-public-v1","_id":"5150749","_score":13.380831,"_source":{"product":"Mortgage","complaint_what_happened":"There was a transformation at Citizens during which they attempted to merge checking and mortgage accounts. Unfortunately the integration didnt work for me, see below response I received from the company : XXXX XXXX it appears the merge between your Mortgage and your already existing deposit accounts did not complete correctly, and you would need to contact the Mortgage Department in order to put in a request to have these accounts merged. With the merge between Citizens Online Banking and Mortgage, it was meant to allow you to access your deposit accounts and Mortgage from the same login. In this case, it would not show you Mortgage upon logging in due to an error. I would suggest that in order to access your Mortgage that you contact the Mortgage Team at XXXX. \n\nI have called already three times the number above and was not able to get a support needed to access my mortgage account","date_sent_to_company":"2022-01-25T19:29:54.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"106XX","tags":null,"has_narrative":true,"complaint_id":"5150749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2022-01-25T19:09:18.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["There was a <em>transformation</em> at Citizens during which they attempted to merge checking and mortgage accounts. Unfortunately the integration didnt work for me, see below response I received from the company : XXXX XXXX it appears the merge between your Mortgage and your already existing deposit accounts did not complete correctly, and you would need to contact the Mortgage Department in order to put in a request to have these accounts merged."]},"sort":[13.380831,"5150749"]},{"_index":"complaint-public-v1","_id":"4975697","_score":13.311352,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Citibank reverse credit from a defective service, I am still disputing the charge. \nI also file a complaint with Florida Department of Agriculture the department that regulate this type of business and will continue to dispute until credit is reverse. \nI send pictures of the oil leak by certified letter XXXX and return receipt XXXX merchant needs to be charge back until oil leak is resolved.","date_sent_to_company":"2021-12-04T22:06:05.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33496","tags":null,"has_narrative":true,"complaint_id":"4975697","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-12-04T21:33:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I also file a complaint with Florida Department of <em>Agriculture</em> the department that regulate this type of business and will continue to dispute until credit is reverse. \nI send pictures of the oil leak by certified letter XXXX and return receipt XXXX merchant needs to be charge back until oil leak is resolved."]},"sort":[13.311352,"4975697"]},{"_index":"complaint-public-v1","_id":"2243439","_score":13.075485,"_source":{"product":"Bank account or service","complaint_what_happened":"This is a complaint against Pentagon Federal Credit Union my member # XXXX. A check number # XXXX in the amount {$980.00} was cashed XX/XX/XXXX. On review of my bank statement for taxes recently after recovering from my ill health I do not know who wrote the check and who cashed it.The line says Usda XXXX. This is the same line that is seen when the bank charges a fee Pentagon says cjheck was transmitted to them electronically and they cashed it they do not have a copy of it. Initially Pentagon said that it is not Pentagon 's policy to verify electronic transaction unless the consumer alerts them anything that comes through they just cash it. I question that if anyone having access to my account information can write checks electronically and they get cashed. Pentagon now allege they had two years to inquire and the time has passed so they can not inquire any further from the other institution. They allege it could be department of agriculture so I write to department of agriculture and inquire from them as they are not responsible for the check that was cashed since it came electronically. I have nothing to do with department of agriculture they provide no documentation of their inquiry either There is a check number to this transaction and so they should have had a copy i did not authorize an electronic transaction. I need them to give me my money as this was not an authorized transaction or Pentagon provide proof that the check was written by me. Two weeks ago I had spoken to the following XXXX XXXX XXXX ext XXXX, I spoke on XX/XX/XXXX XXXX XXXX ext XXXX and her assistant XXXX ext XXXX as XXXX has not answered my messages. XXXX and XXXX have tried to block information and were non cooperative. XXXX was cooperative first now she has disappeared and does not return my calls XXXX XXXX XXXX XXXXXXXXXXXX","date_sent_to_company":"2016-12-10T00:49:35.000Z","issue":"Making/receiving payments, sending money","sub_product":"Checking account","zip_code":"210XX","tags":null,"has_narrative":true,"complaint_id":"2243439","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2016-12-10T00:49:34.000Z","state":"MD","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":["They allege it could be department of <em>agriculture</em> so I write to department of <em>agriculture</em> and inquire from them as they are not responsible for the check that was cashed since it came electronically. I have nothing to do with department of <em>agriculture</em> they provide no documentation of their inquiry either There is a check number to this transaction and so they should have had a copy i did not authorize an electronic transaction."]},"sort":[13.075485,"2243439"]},{"_index":"complaint-public-v1","_id":"9274422","_score":12.918526,"_source":{"product":"Checking or savings account","complaint_what_happened":"I live in North Carolina and I am havening a dispute with CapitalOne Bank which is located in XXXX Virginia. Prior to my wife passing she apples to change her account to a Trust. For some reason the transformation never took place. The only explanation that I have been given is that the submitted paperwork was incomplete. I have the original copy of the paperwork and offered to resubmit it. I was told that the policy of the bank was not change the status of the account after the owners death. That policy was appealed to the office of the President without much success. They now wish me to go through probate r to settle the account. This is going to involve delay and expense which I think through improper conduct on their part. What are my options to force them to reconsider?","date_sent_to_company":"2024-06-16T19:14:33.000Z","issue":"Managing an account","sub_product":"CD (Certificate of Deposit)","zip_code":"27615","tags":"Older American","has_narrative":true,"complaint_id":"9274422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-06-16T18:51:41.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["For some reason the <em>transformation</em> never took place. The only explanation that I have been given is that the submitted paperwork was incomplete. I have the original copy of the paperwork and offered to resubmit it. I was told that the policy of the bank was not change the status of the account after the owners death. That policy was appealed to the office of the President without much success. They now wish me to go through probate r to settle the account."]},"sort":[12.918526,"9274422"]},{"_index":"complaint-public-v1","_id":"3090235","_score":12.67891,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Checkr background reporting company has reported inaccurate information to XXXX and XXXX regarding an issue I had with USDA. The item was an administrative action that Checkr is reporting as if I am on a XXXX XXXX for criminal activity. This item is a dispute and was handled administratively, never adjudicated in a court of law, never a case or charge filed, and never a criminal or civil complaint filed against me in this matter. This was simple an administrative action to limit board members of the organization from using this service until the issue is resolved to satisfaction. \n\nCheckr 's report is misleading and inaccurate in that it reports this item as follows 1 ) Court Jurisdiction- US DEPARTMENT OF AGRICULTURE FOOD AND NUTRITION SERVICE. There is no such court jurisdiction - this information is inaccurate and misleading 2 ) Charge- US DEPARTMENT OF AGRICULTURE FOOD AND NUTRITION SERVICE DISQUALIFIED INDIVIDUALS LIST Disposition INDIVIDUAL TYPE : INSTITUTION RPI ; DISQUALIFIED There is and was never a charge associated with this issue in a court of law. This was simple an administrative action, not a case, charge or any such. \n\nI request this item be removed from this portion of the report, and re-issued to XXXX and XXXX as correction of items reported in error. Also I request information on how I can pursue damages for the loss of income in the amount of {$1200.00}, to date for lost income from XXXX since XX/XX/18.","date_sent_to_company":"2018-12-03T21:46:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"440XX","tags":null,"has_narrative":true,"complaint_id":"3090235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Checkr, Inc","date_received":"2018-12-03T20:39:53.000Z","state":"OH","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Checkr 's report is misleading and inaccurate in that it reports this item as follows 1 ) Court Jurisdiction- US DEPARTMENT OF <em>AGRICULTURE</em> FOOD AND NUTRITION SERVICE. There is no such court jurisdiction - this information is inaccurate and misleading 2 ) Charge- US DEPARTMENT OF <em>AGRICULTURE</em> FOOD AND NUTRITION SERVICE DISQUALIFIED INDIVIDUALS LIST Disposition INDIVIDUAL TYPE : INSTITUTION RPI ; DISQUALIFIED There is and was never a charge associated with this issue in a court of law."]},"sort":[12.67891,"3090235"]},{"_index":"complaint-public-v1","_id":"3542088","_score":12.479516,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"1. Change of Address was complete to ensure XXXX XXXX was directed back to our Estate. Dated, XX/XX/2020. Claim 1. XXXX Hospital, where request was originated did perform service of changing address of Title for Foreign Trust. Claim 2. XXXX  hospital STOLE and SOLD my RAW data to the U.S Department of Agriculture. Claim 3. We have the proof. Claim. XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX USPS, is party who recorder the transaction.","date_sent_to_company":"2020-02-24T17:16:43.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"99208","tags":null,"has_narrative":true,"complaint_id":"3542088","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"CONSUMER PROTECTION ASSISTANCE COALITION, INC","date_received":"2020-02-24T15:30:21.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX  hospital STOLE and SOLD my RAW data to the U.S Department of <em>Agriculture</em>. Claim 3. We have the proof. Claim. XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX USPS, is party who recorder the transaction."]},"sort":[12.479516,"3542088"]},{"_index":"complaint-public-v1","_id":"16851486","_score":12.467342,"_source":{"product":"Debt collection","complaint_what_happened":"This debt is not valid. The original creditor, XXXX XXXX, was found non-compliant with Wisconsin Administrative Code ATCP 134.06 by the Department of Agriculture, Trade, and Consumer Protection ( DATCP ). Despite this, they referred the alleged debt to a collection agency.\n\nThe debt collector CENTRAL COLLECTION CORPORATION is attempting to collect two separate balances for the same alleged amount one in my name XXXX XXXX and one in my XXXX XXXX which is false and misleading under the FDCPA","date_sent_to_company":"2025-10-27T15:03:54.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"53189","tags":null,"has_narrative":true,"complaint_id":"16851486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Central Collection Corporation","date_received":"2025-10-27T14:44:29.000Z","state":"WI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The original creditor, XXXX XXXX, was found non-compliant with Wisconsin Administrative Code ATCP 134.06 by the Department of <em>Agriculture</em>, Trade, and Consumer Protection ( DATCP ). Despite this, they referred the alleged debt to a collection agency.\n\nThe debt collector CENTRAL COLLECTION CORPORATION is attempting to collect two separate balances for the same alleged amount one in my name XXXX XXXX and one in my XXXX XXXX which is false and misleading under the FDCPA"]},"sort":[12.467342,"16851486"]},{"_index":"complaint-public-v1","_id":"3242812","_score":12.398642,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also Experian keeps advertising this Boost program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them.","date_sent_to_company":"2019-05-15T11:23:20.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"65714","tags":null,"has_narrative":true,"complaint_id":"3242812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-05-15T11:23:15.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Maybe they shouldn't be allowed to be so <em>commercialized</em> or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them."]},"sort":[12.398642,"3242812"]},{"_index":"complaint-public-v1","_id":"3242811","_score":12.392746,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also XXXX   keeps advertising this XXXX  program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them.","date_sent_to_company":"2019-05-15T11:23:06.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"65714","tags":null,"has_narrative":true,"complaint_id":"3242811","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-05-15T10:45:50.000Z","state":"MO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Maybe they shouldn't be allowed to be so <em>commercialized</em> or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them."]},"sort":[12.392746,"3242811"]},{"_index":"complaint-public-v1","_id":"22446502","_score":12.391287,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, Citibank issued a closure notice for my business checking account ending XXXX belonging to XXXX XXXX XXXX XXXX. The account is scheduled to close on XX/XX/year>. The closure letter ( reference XXXX ) states only that \" following a recent review, Citibank , N.A . ( Citibank ) has chosen to close the account ( XXXX ) referenced above '' and that the decision was made \" following the results of a review of bank information and records. '' No specific transaction, pattern, counterparty, or behavior is identified. \nThis closure occurred approximately XXXX weeks after XXXX XXXX XXXX closed XXXX business accounts of mine on similar generic grounds. I filed a CFPB complaint against XXXX regarding those closures. In XXXX 's written response through the CFPB process, XXXX confirmed that the closed accounts were reported to XXXX XXXX XXXX as \" open and valid, with no negative reporting '' and that XXXX does not report to ChexSystems. This means Citibank 's closure decision was NOT triggered by adverse reporting from XXXX on either consumer reporting agency. \nAbout my business : XXXX XXXX XXXX XXXX is a legitimate XXXX business services firm that helps foreign investors establish qualifying US businesses XXXX the XXXX Treaty Investor visa program. Services include business plan preparation, legal and corporate formation, and assistance with the XXXX application process administered by the XXXX Department XXXX XXXX. Our clients are vetted by the XXXX government as part of the XXXX visa adjudication process. All client payments are received through traceable, regulated payment channels : domestic and international wire transfer, ACH, and XXXX. We do not accept cash. We have had no chargebacks, no disputes, no overdrafts, and no fraud events on the Citibank account. \nCitibank declined to provide any specific reason for the closure. Branch and customer service staff were unable to provide any further information. \nI am asking the CFPB to : Require Citibank to provide a specific written explanation of the activity Citibank deemed concerning. A vague reference to a \" review of bank information and records '' gives me no ability to understand what occurred, defend my business, or avoid the same outcome at future financial institutions. \nInvestigate whether this closure reflects categorical \" de-risking '' of legitimate immigration-related and international-facing business services rather than account-specific concerns. The timing ( XXXX weeks after XXXX 's similarly unexplained closure ), combined with XXXX 's confirmation that no adverse reports were filed, strongly suggests that XXXX of the largest XXXX banks have independently applied similar de-risking criteria to a documented legitimate business. \nConfirm what, if anything, Citibank has reported to ChexSystems, XXXX XXXX XXXX, or any other consumer reporting agency regarding this closure, so that any inaccurate information can be reviewed and disputed under the Fair Credit Reporting Act. \nConsider whether Citibank 's process providing no specific reason, no opportunity to respond before the closure decision, and no meaningful information through customer service or branch channels meets the consumer protection standards expected of a federally insured depository institution. \n\nThe harm from these simultaneous closures by XXXX of the country 's largest banks, with no specific reasons provided by either, is substantial. It places ongoing operational stress on a legitimate small business and creates reputational risk that XXXX affect future banking relationships even where no actual wrongdoing has occurred.","date_sent_to_company":"2026-05-21T20:49:34.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"91301","tags":"Older American","has_narrative":true,"complaint_id":"22446502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-05-21T20:43:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Investigate whether this closure reflects categorical \" <em>de-risking</em> '' of legitimate immigration-related and international-facing business services rather than account-specific concerns. The timing ( XXXX weeks after XXXX 's similarly unexplained closure ), combined with XXXX 's confirmation that no adverse reports were filed, strongly suggests that XXXX of the largest XXXX banks have independently applied similar <em>de-risking</em> criteria to a documented legitimate business."]},"sort":[12.391287,"22446502"]},{"_index":"complaint-public-v1","_id":"20695132","_score":12.390729,"_source":{"product":"Checking or savings account","complaint_what_happened":"This account belongs to a registered charity, \" XXXX XXXX XXXX '', and we use these funds to support hundreds of families, especially with the upcoming XXXX holiday. Chase Bank recently restricted/closed our operating account containing over {$240000.00}, and their current demands to release our funds are abusive and practically impossible to fulfill. \n\nInitially, Chase flagged a single check for verification. We fully cooperated, went through the difficult process of coordinating a call between a busy donor and the bank, and successfully verified that specific check. However, instead of releasing the restriction, Chase moved the goalposts. They are now demanding that we provide contact information and arrange phone verification for every single donor from every check deposited over the past XX/XX/XXXX days. Furthermore, they explicitly require that this contact information perfectly match whatever outdated information Chase currently holds in its own internal systemsan impossible demand that we have no control over. \n\nThis is an unfair and abusive practice ( XXXX ) and appears to be a violation of standard funds availability timelines ( RegulationXX/XX/XXXX ) without reasonable cause. The bank is essentially holding charity funds XXXX behind an insurmountable administrative wall. \n\nBecause of this arbitrary \" de-risking '' tactic, needy families will literally go into the XXXX holiday with no food or essentials.","date_sent_to_company":"2026-03-26T21:18:31.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"08701","tags":null,"has_narrative":true,"complaint_id":"20695132","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-03-26T20:42:55.000Z","state":"NJ","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Because of this arbitrary \" <em>de-risking</em> '' tactic, needy families will literally go into the XXXX holiday with no food or essentials."]},"sort":[12.390729,"20695132"]},{"_index":"complaint-public-v1","_id":"9514873","_score":12.308589,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Creditor sent in debit. I sent in a XXXX requesting specific requested information to validate debit. creditor failed to send in the specific requested information to validate debit. This debit is currently being investigated by Florida Department of Agriculture and Consumer Services case number XXXX for breech of lease and illegally processing and keeping the security deposit. This debit was not to be turned over until the investigation was complete. Once it is complete all parties are planning on suing the Creditor for damages and loss of personal property. \n\nThis is for the following people including myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-07-15T19:12:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"9514873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2024-07-15T18:54:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This debit is currently being investigated by Florida Department of <em>Agriculture</em> and Consumer Services case number XXXX for breech of lease and illegally processing and keeping the security deposit. This debit was not to be turned over until the investigation was complete. Once it is complete all parties are planning on suing the Creditor for damages and loss of personal property. \n\nThis is for the following people including myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[12.308589,"9514873"]},{"_index":"complaint-public-v1","_id":"2180101","_score":12.026616,"_source":{"product":"Money transfers","complaint_what_happened":"I had sent {$1000.00} to repay my education loan in XXXX through Western Union. I made this transfer on XXXX of XXXX, 2016 ; However, they have not delivered my money yet as of XXXX XXXX, 2016. I have made tons of phone calls to customer care and I have never gotten any satisfactory answer 's other than wasting hours together during my day job. So, I made an attempt to track the transaction through my bank, On XXXX XXXX Western Union has sent the money through their partner Yes Bank to my bank. However, due to some technology transformations my bank did not process the transaction on the same day. SoXXXX Bank reverted the transaction on XXXX of XXXX and deposited to Western Union account which is register with XXXX Bank. When I being a customer can track this transaction so easily, Why is Western Union is taking so much time to do this? I feel something is not right in this case. I should have never trusted Western Union! I have complete email details from the XXXX Bank who has deposited my money to Western Union Account.","date_sent_to_company":"2016-10-27T02:31:09.000Z","issue":"Other transaction issues","sub_product":"International money transfer","zip_code":"01702","tags":null,"has_narrative":true,"complaint_id":"2180101","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WESTERN UNION COMPANY, THE","date_received":"2016-10-27T02:31:09.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["However, due to some technology <em>transformations</em> my bank did not process the transaction on the same day. SoXXXX Bank reverted the transaction on XXXX of XXXX and deposited to Western Union account which is register with XXXX Bank. When I being a customer can track this transaction so easily, Why is Western Union is taking so much time to do this? I feel something is not right in this case. I should have never trusted Western Union!"]},"sort":[12.026616,"2180101"]},{"_index":"complaint-public-v1","_id":"6368213","_score":11.89263,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I called Capital One on XX/XX/22 at XXXX am. I spoke with a person named XXXX who transferred me to a specialist by the name of XXXX employee # XXXX. During the call I asked XXXX if she was familiar with negotiable instruments. XXXX replied that she was not familiar with it and that she could not look it up and/or receive emails from me to send her the definition of negotiable instrument. I proceeded to give XXXX the definition and ask her if she was familiar with any Uniform Commercialized codes in particular UCC 3-603b, at which time she informed me that she wasn't. I then read UCC 3-603 b to XXXX to make sure that she was aware of what UCC 3-603 b sites. I informed XXXX that the wrong amount was credited to my account and ask if she would be crediting my account for the full amount, at which time XXXX read part of the provision that was written on the negotiable instrument and informed me that she could only credit my account for {$1.00}. I then asked, to be clear, you are in fact telling me that you will not be following the law and actually crediting my account and discharging it for being paid in full at this time? XXXX informed me that she would not be crediting my account and discharging it for being paid in full in the amount of {$2600.00} but only for {$1.00}. The call was ended at this time.","date_sent_to_company":"2022-12-27T16:08:31.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"48221","tags":null,"has_narrative":true,"complaint_id":"6368213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-12-27T14:53:06.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I proceeded to give XXXX the definition and ask her if she was familiar with any Uniform <em>Commercialized</em> codes in particular UCC 3-603b, at which time she informed me that she wasn't. I then read UCC 3-603 b to XXXX to make sure that she was aware of what UCC 3-603 b sites."]},"sort":[11.89263,"6368213"]},{"_index":"complaint-public-v1","_id":"6318301","_score":11.85307,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear XXXX, I am XXXX XXXX , the CEO of \" XXXX '' XXXX XXXX XXXX ) XXXX I am applying to you in connection with a payment transaction XXXX, which was made on XX/XX/2022 and has been blocked by JPMORGAN CHASE BANK up to the present moment. You can see all the necessary information on this case below. \n\nOn XX/XX/2022 XXXX XXXX sent a bank transaction in the amount of XXXX XXXX dollars from its currency account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX to the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX. The purpose of payment was PAYMENT FOR XXXX UNDER CONTRACT XXXX XXXX XXXX. \nXXXX : XXXX Sender 's Reference XXXX value date XXXX XX/XX/2022 The bank transaction was blocked by JPMORGAN CHASE BANK XXXX XXXX XXXX XXXX XXXX latest status XXXX. ON HOLD. \nXXXX XXXX is a company engaged in the supply of agricultural products such as vegetables and fruit. The company fulfills a social mission in the field of food supply, contributing to the development of agriculture. \nOn the basis of the contract made with XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/2022 the agricultural products were purchased in XXXX and the bank transaction in the amount of XXXX XXXX dollars was made to pay for this purchase. \nXXXX XXXX is not on the sanction list. XXXX XXXX XXXXis not on the sanction list either. \nThe delay of the bank transaction in the amount of XXXX XXXX dollars to the bank account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX has a negative impact on providing XXXX with XXXX products. It also blocks the development of agriculture in both XXXX and XXXX. \nDue to the delay of our bank XXXX XXXX XXXX has already paid its dept to XXXX XXXX XXXX  from another account. \nOn XX/XX/2022 \" XXXX XXXX XXXX submitted a request to JPMORGAN CHASE BANK ( the email address is XXXX ), but there was no reply back to us. By now the transaction neither has been returned to the debtor bank nor has been directed to the receiver. At the same time the products mentioned above have already been sent from the supplier in XXXX to the XXXX XXXX and have been received by the charterer. \nPlease check the current status of this transaction and come to an agreement to get it back so that we could regulate this issue. \nThank you for your understanding and cooperation. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-12-14T09:21:36.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6318301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-12-14T08:09:44.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX is a company engaged in the supply of <em>agricultural</em> products such as vegetables and fruit. The company fulfills a social mission in the field of food supply, contributing to the development of <em>agriculture</em>. \nOn the basis of the contract made with XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/2022 the <em>agricultural</em> products were purchased in XXXX and the bank transaction in the amount of XXXX XXXX dollars was made to pay for this purchase. \nXXXX XXXX is not on the sanction list."]},"sort":[11.85307,"6318301"]},{"_index":"complaint-public-v1","_id":"6045031","_score":11.822792,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Despite multiple attempts to remedy my issue, the company Equifax , Inc. located at XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX XXXX Phone XXXX has not reported my account information or is able to give me a credit report. They have given multiple reasons for this negligence. This lack of reporting an actual consumer credit report or even a credit score has caused an adverse action to my personal well being as I'm in the process of purchasing a home. I have filed a complaint with the FL department of agriculture and consumer services with XXXX  # XXXX Attached you will see the failure to produce any information from this company","date_sent_to_company":"2022-10-04T00:42:00.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"33193","tags":"Servicemember","has_narrative":true,"complaint_id":"6045031","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-04T00:16:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I have filed a complaint with the FL department of <em>agriculture</em> and consumer services with XXXX  # XXXX Attached you will see the failure to produce any information from this company"]},"sort":[11.822792,"6045031"]},{"_index":"complaint-public-v1","_id":"3242810","_score":11.793959,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also XXXX keeps advertising this Boost program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them.","date_sent_to_company":"2019-05-15T11:23:20.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"65714","tags":null,"has_narrative":true,"complaint_id":"3242810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-05-15T11:23:15.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Maybe they shouldn't be allowed to be so <em>commercialized</em> or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them."]},"sort":[11.793959,"3242810"]},{"_index":"complaint-public-v1","_id":"4916963","_score":11.773009,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My name is XXXX XXXX I've been using coinbase for quite some time never had a problem until Sunday XX/XX/XXXX I made an attempt to purchase a XXXX XXXX XXXX in order to use this XXXX to purchase another XXXX on my coinbase wallet after several attempts the money never tranfered to my portfolio on coinbase under etherium at first I thought there system was down and if I gave them a while things would set it self straight I waited until the next day still no etherium posted to my portfolio I called the bank and several transactions were sent to coinbase that never show up so the bank reimbursed me and I had to go to the local XXXX  branch to to do a security transformation were they gave me a new routing number and account number ok now that was done I'm still not able to buy any XXXX on coinbase or tranfer money from my coinbase wallet which I have thousands of dollars connected with both coinbase and coinbase wallet tried many different ways to connect with coinbase only to be told things are in review I'm getting the run around need help","date_sent_to_company":"2021-11-16T21:09:21.000Z","issue":"Problem adding money","sub_product":"Mobile or digital wallet","zip_code":"11207","tags":null,"has_narrative":true,"complaint_id":"4916963","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2021-11-16T20:40:28.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["to use this XXXX to purchase another XXXX on my coinbase wallet after several attempts the money never tranfered to my portfolio on coinbase under etherium at first I thought there system was down and if I gave them a while things would set it self straight I waited until the next day still no etherium posted to my portfolio I called the bank and several transactions were sent to coinbase that never show up so the bank reimbursed me and I had to go to the local XXXX  branch to to do a security <em>transformation</em>"]},"sort":[11.773009,"4916963"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":457,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":457}]}},"product":{"doc_count":457,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":170,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":167},{"key":"Other personal consumer report","doc_count":3}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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